23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

portfolio recovery  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Citi Costco credit card that is able to be used anywhere, supposedly. Since the end of XX/XX/2023, there have been many numerous times where the card hasn't worked and I've had to call Citibank to clear the card. I've verified everything on this account MANY times since then. They've sent out 4 letters with reference numbers since the XX/XX/XXXX, of which I've already verified 3 of those numbers. They've also had me verify the account by using text messages, phone calls, and providing account information. I've had no issue being able to complete the verifications, yet they continue to block the account and reissue more letters. It's been non-stop trying to resolve this matter. I've called at least 100 times if not more, spoken to just as many agents and supervisors, just to be spoken to rudely or hung up on. There have been several who actually cared to listen and acknowledge the issue and tried helping. They've stated that they added notes to the account, in the effort to prevent the problem from continuing, but it still continues. They refuse to acknowledge a problem within the system and just keep subjecting me and my account to this constant harassment. Their Fraud Early Warning Department is a joke and obviously no one there has any real concern about helping their cardholders.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Debt collection

I rented a home, and subsequent to my move out inspection, which was signed and dated by me, I was sent a different fabricated move out inspection form which was inaccurate and had on it whatever the company decided to add. I then was sent a deposit reconciliation form with inaccurate and inflated charges. To which, I repeatedly wrote to them, sending them pictures of the preexisting condition of the home. They have since responded by not reading the documentation I submit and reassigning me to a new property manager after the end of my lease. Asking or requiring me to resubmit all the documentation I had already submitted to the property manager who was in charge at the termination of my lease and who did the final inspection with me. They have ignored my emails and unilaterally sent my file to debt collection. Who in turn calls me and states to me that they will be sending me written correspondence to my office in Florida, however the documentation never arrived and there was a collection added to my credit account shortly thereafter. In addition to the pictures and email of the pre existing conditions of the home. I also have multiple witnesses who assisted me during my move out to clean and replace items that needed the same. Its quite clear that some of the things they are trying to collect from me for are fraudulent and or exorbitant and I have proof in pictures, witnesses, along with discrepancies in where the property management contradicts it 's self in its own documentation. They have kept my deposit and have fabricated damage that doesnt exist and or was preexisting.
Product: Credit reporting or other personal consumer reports

I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. 

XXXX. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX  XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delte the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. XXXX XXXX XXXXXX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B
Product: Vehicle loan or lease

On or around XX/XX/year>, XXXX  XXXX XXXX XXXX repossessed my vehicle. They are now reporting a charge-off amount of {$26000.00} on my credit report. However, there are significant inconsistencies and issues with their handling of this account : 1. Inconsistent Reporting : The charge-off amount changes every time I submit a dispute, raising concerns about its accuracy and validity. 

They also report different payment amounts for the same months or for different months, making it difficult to track what has been applied to my account. 

2. Failure to Provide Supporting Documentation : XXXX  XXXX XXXX XXXX has not provided any documentation to validate the reported charge-off amount. 

They have failed to issue a 1099-C form, which is required if the debt was forgiven or canceled. 

I have also requested a statement showing all payments I made, along with a detailed breakdown of the charge-off amount, but they have failed to provide this information. 

3. Failure to Send Required Notices : XXXX  XXXX XXXX XXXX did not provide a default letter of repossession or any formal communication outlining the repossession process or charge-off details, leaving me without the ability to address or verify the issue effectively. 

4. Negative Impact on Credit Report : The inaccurate and inconsistent reporting of this charge-off has severely impacted my credit score, preventing me from obtaining another auto loan.
Product: Money transfer, virtual currency, or money service

At the beginning of XX/XX/2023 I initiated a transfer of funds from my HSA operated by the Bank of New York Mellon via XXXX in the amount of {$510.00}. The funds were removed from my HSA account and the transaction listed as posted on XX/XX/2023. The funds never made it to my checking account with XXXX XXXX XXXX I called XXXX XX/XX/2023. The blamed the delay on a weeklong outage and guaranteed me the funds would be in my checking account by Friday of the same week. On Saturday XX/XX/2023 the funds still were not in my account so I called again and the customer service representative again blamed the delay on an outage but had no explanation for why an outage would affect a transaction listed as posted and not in process. She told me the funds would definitely be in the checking account by Tuesday the XXXX, but they are not.
Product: Debt collection

On XX/XX/19, I received a call on my cell phone from a woman working for XXXX XXXX XXXX ( XXXX ) asking to speak to my husband. I asked the woman what the call was in reference to and she stated it was to collect a debt owed by my husband for a XXXX XXXX XXXX account. Knowing that my husband doesn't have an account with XXXX XXXX XXXX and that he had received a similar debt collector call the year before, I advised her that we had never received anything in writing regarding this alleged debt and I asked her to provide me with more information about the amount owed. She told me that she'd give me that information if I could provide her with my husband 's address and social security number which I refused to do and told her to never contact me again. 

After this phone call, I contacted my husband to explain what happened. He told me he had the same conversation with this agency a year ago and the person he spoke to admitted that not only do they not have our mailing address, but they also do not have his social security number. The person demanded that my husband give him this information over the phone before the person would provide him with the alleged amount owed. We checked my husband 's credit reports from the three bureaus and he does not have an account with XXXX XXXX XXXX and there are no late payments or any collection activities on any of his accounts. We have surmised that this debt collector is a scam. 

On top of this, ever since the agency contacted me, I have been receiving 7-8 telemarketing calls every day even though I am on the do not call registry. I sincerely believe that this agency has sold my contact information without my permission. 

I looked online and I believe that this collection agency was recently purchased by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX, NMLS # XXXX, XXXX, XXXX XXXX XXXX I do not have an account number associated with this debt, as none has been provided to me but the woman I spoke to was able to look up the account using my cellular phone number, XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I can not get a response regarding a purchase interest charge that is ongoing on a disputed amount with Chase. Each month, another purchase interest charge is added. I 'd like to attached a letter and attachments to XXXX XXXX at Chase. In his response to me, he said to call if I had questions or concerns and I do. HOWEVER, after calling several times, leaving at least XXXX voice mail messages, he chooses not to return. I have e-mailed and faxed him today about the last purchase interest charge. The disputed amount was {$1200.00}. On XXXX XXXX, 2016, Chase charged another purchase interest charge of {$14.00}. The account is being paid in full on or before the due date of XXXX/XXXX/2016. I would not like to be continuously charged a purchase interest charge. You are the only ones who can stop this. Thank you.
Product: Consumer Loan

I have an auto-loan with U.S. Bank and regularly make my payment via the U.S. Bank iphone app. I made my XXXX payment via the iphone app as I had for the past year and a half. According to U.S. Bank, when I attempted to make my XXXX payment, I entered my paying bank account number incorrectly. However, there was no notification whatsoever at the time via the iphone app. From my perspective, the payment went through as it had for the past year and a half. I received a call over 2 weeks later from US Bank telling me that my payment did not go through. I immediately made payment over the phone. Despite this, they still charged me a {$35.00} late fee. I believe it is an unfair and deceptive trade practice for US Bank to make no notification that the payment did not go through at the time of the transaction through its app, and then to turn around and charge a late fee. I spoke to a manager at US Bank, explained the circumstances and the fact that I have always made my payments on time, and they still charged me the late fee. I am sure other consumers have been similarly placed in this situation and that US Bank is making a fortune charging consumers late fees - lulling consumers into believing that their payments have gone through via their app, and then charging them a late fees when there is an input error ( it is still not clear to me whether the error was caused by the input system itself, or me ).
Product: Mortgage

CFPB, In XXXX 2012, I sold a property located in XXXX, CA that had a loan serviced by XXXX. It was listed at {$100000.00}, which would have resulted in a short sale. Fortunately, I was able to get the property into contract and sell for significantly more, thus avoiding a short sale. However, Seterus is reporting this as a short sale, which is damaging my credit. 
I have tried working with Seterus and the credit bureaus to get this corrected, but thus far, have been unsuccessful and that is why I am now asking for your help. 
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet, they are reporting this as a short sale. I am trying to refi my home and this is negatively impacting my ability to do so. 
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly, they received a full principal pay off plus expenses. 
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them, it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried, but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint, but it seems to just disappear into a XXXX hole. 
I appreciate your assistance in helping resolve this very frustrating situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX login system is very bad, I am putting correct email and password and still it says wrong credentials. When I try to click forgot password to get access I put my username. Click submit. It says : " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' When I click " Forgot Username '' it sends me same username to my email and the circle continues. I tried again to login and follow the same procedure as I am writing this complaint - XXXXXXXX XXXX_ish. The customer service phone number : XXXX is not connecting me to agent. I am stuck. 
Exceptionally, I am able to login only when I click create account ( sign up ) on experian portal - but ideally it is not the right way to login. Upon logging in today, I came to know 1 past address and phone number in experian credit report is wrong. 

XXXX In XXXX Credit Report : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX WRONG PHONE NUMBER : XXXX. 
WRONG HARD INQUIRY : XXXX XXXX XXXX XX/XX/2023 ( Taken Care ) Just FYI : XXXX In Equifax Credit Report : WRONG HARD INQUIRY : XXXX XXXX - XX/XX/2023 ( Still taking care )