23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is over 8 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/2024 XXXX XXXX Open. {$930.00} past due as of XX/XX/2024. 
XXXX XXXX XXXXXXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/2024. 
XXXX XXXX XXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/2024. 
XXXX XXXX  XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/2024. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/2024. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!
Product: Credit card or prepaid card

Capital One reported Account ending in XXXX as " charge off ''. The IRS definition of a charge off is income. Income should not be reported on any consumer 's report. 
See attached.
Product: Debt collection

Company : General Revenue Corp Collection reported on XX/XX/2019 Amount {$430.00} I applied to go to school at the XXXX  XXXX Texas and registered for one class, however I ended up attending XXXX  XXXX & XXXX XXXX XXXX. I was told that I was charged to withdraw from the class since I never dropped the class. I do not have to pay for school out of pocket because the VA pays my school. Whenever I did not pay for classes they were automatically dropped. XXXX  XXXX Texas however did not drop me and I was withdrawn and then charged and I did not know about the debt. When I was made aware about the debt that was filed on my credit report I paid for it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account in the amount of {$3700.00} was placed back on my credit reports after being taken off following an investigation. XXXX XXXX XXXX purchased the account. Previously a police report was presented with this account listed as fraud. All 3 of the credit reporting agencies removed this information from my report. It has now showed up under another name. I did not authorize this account. It was obtained fraudulently and needs to be removed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX - XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit card or prepaid card

42 USC color of law Citi bank upon entry phone system stated that no credit report would be consider for line incresse. However letter recieved was upon credit report.Decitful business practices.
Product: Consumer Loan

During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed
Product: Credit reporting, credit repair services, or other personal consumer reports

After using XXXX to check rates for mortgage refinancing in XXXX 2017, I was contacted by multiple companies. One of these was XXXX XXXX. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that XXXX XXXX had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that Credco had information from XXXX XXXX, 2017 for an inquiry. I called Credco and they indicated XXXX XXXX had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this XXXX XXXX organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to XXXX XXXX was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States CXXXXe Law ( TILA 15 U.S. Code XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advised all 3 credit reporting agencies of XXXX XXXX which they violated the legal rights of consumers by charging or permitting dealerships to charge impermissible documentary or dealer fees in connection with lease-end vehicle purchases pursuant to purchase option provisions in consumers leases which led into my payoff amount is not correct as to date. 

For over a year I have advised Experian the information that is being reported by XXXX was incorrect. Last attempt via phone 2 weeks ago. XXXX and XXXX has cooperated and deleted the account due to inaccurate reporting from their investigation, which are the same results sent to all 3 bureaus ( 1 company ) but Experian will not delete.
Product: Debt collection

We received several phone calls from different 1-800 numbers saying that we need to call to XXXX to schedule an appointment for them to send the plaintiff with the court papers, in other words, to serve my mother. 
When I called the phone number a gentleman answers and, without saying the name of the company or what is regarding to, he asked for the " case '' number. After a bit of back and forth he said that they purchased a loan from XXXX XXXX and now they are collecting, the debt is for {$1600.00} but we can settle the debt for 50 % over the phone, otherwise they 'll send the papers and she 'll be sued. When I explained the serving procedures to him and that they way he was conducting the call was n't professional nor accurate, he got upset, started to threat saying " you better pay up buddy or she 'll be sued '' and " Let me put it this way bro, if you 're gon na ask for money, you better be ready to pay up '' then he followed to hang the phone. That was the XXXX time that I spoke with him, the XXXX XXXX was a very rude conversation about the same deal.
Product: Debt collection

I have been disputing the obligation of this debt in writing directly with the Creditor as well as with the credit bureaus. The credit bureaus fail to conduct a thorough investigation and simply parrot information from the Creditor. The results have continued to come back as verified. I have sent the Creditor over 4 letters requesting that they verify this debt they are claiming I owe them or remove it from my credit profile. The very first letter was sent to the Creditor the last week of XX/XX/2021. Not only have they failed to respond to my requests, they also continue to report this derogatory information on my credit profile. I have even noticed that the debt has been re-aged by 2 years with one of the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

AL Financial Corp has been pulling my credit report without my consent. I have not been in contact with them for credit checking since XXXX. They pulled my report XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to dispute this with the company with no success. These inquiries are impacting my credit negatively and affecting my abilities to use my credit to my advantage in finding a home or other necessities.
Product: Credit reporting

I have sent many letters explaining in DETAIL what personal information and accounts I want to be investigated. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''
Product: Credit card

I received an E-mail from one of my financial institutions that there was a hard inquiry on my credit report from XXXX. I also received an E-mail from Citi stating that an application for a new credit card had been received and was in the review process. 

I contacted Citi and told them that I had not applied for a new credit card and that I thought the application was fraudulent. The Citi operator said that they would mark the application as fraudulent, stop it and report it to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}
Product: Credit reporting

Hi, I paid both collection under my equifax account, even though, they both shown as open.
Product: Credit card or prepaid card

To Whom it May Concern : On XX/XX/2022 ; I submitted a request for a balance transfer to pay off most of my Comenity BankXXXX XXXX Credit Card account to a new credit card account at my personal bank. 

On XX/XX/2022 ; at XXXXXXXX XXXX  I received a phone call from XXXX at the Comenity BankXXXX XXXX Card call center . She was attempting to collect a payment that I had missed on my account. I explained to her that I submitted a request to pay my balance off on the 1st. She interrupted me and stated they DO NOT TAKE credit card payments. And, went on to say that I needed to make payment arrangements or my account would go into collections. 

I agreed to automatic monthly payments for the next 6 months, under the assumption that my balance transfer was denied by ComenityXXXX XXXX XXXX 

On XX/XX/2022 ; my bank paid {$1600.00} towards my balance with ComenityXXXX XXXX XXXX XXXX In addition, Comenity took {$250.00} out of my bank account in XXXX and another {$160.00} in XXXX. When I called them to talk about this issue, they hung up on me. 

My complaint is in the fact that they lied to me about not accepting credit card payments and double/ triple dipped into my account. I am livid and want someone to be held accountable for this misappropriation of my money. 

Please advise my rights and what options I have. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In order to verify this is my debt. I have sent a certified letters XXXX to XXXX XXXX XXXX, XXXX XXXX : Disputes XXXX XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.
Product: Debt collection

This company spot loan submitted an illegal usury interest rate claim to these people that is called XXXX banks XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ow do I write a hard inquiry removal letter? 
To whom this XXXX concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax, XXXX and/or XXXX credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate inquiries are on my credit report. Documents shows Fraudulent inquiries
Product: Debt collection

I had sent two ( 2 ) certified letters to ( XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ) : Letter one ( 1 ) was asking for the validation of debt. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) then responded by mail with just a letter dated XX/XX/2018 in response to my first request. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Did not include any original documents pertaining to this alleged debt. 

Letter two ( 2 ) was mailed on XX/XX/2018 to cease and desist communication with me because they have not sufficiently shown or provided proof of this alleged debt with original documents. 

Now, on XX/XX/2018 I received a new letter from ( Resurgent Capital Services ) which is another " company '' working with " XXXX XXXX XXXX '' in response to my second certified letter as they have said in the most recent letter mailed to me.
Product: Checking or savings account

Golden1 failed to protect me. By way of using their third party financial transfer service : XXXX my funds were sent to the wrong party and not returned. XXXX has created an environment that leaves its customers and the American citizens subjected to fraud and theft to proliferate on its popular payment platform. When I called Golden 1 twice and I could not reach XXXX, each party dismissed its responsiblities and burdended its customers with the problem caused by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was labeled as a business account when in fact it was a personal account and they blocked online access to me. They allege that it was a banking error due to my mothers maiden name being inputted incorrectly by them. I went into the branch to fix it and they updated the account. Thereafter, I could log in but they had charged me excessive overdraft fees that I did not owe. They took off the fees but they reported it to my credit bureaus as delinquent, after they told me that it was corrected.
Product: Credit card or prepaid card

Received an email that I had been denied for a credit card that I had not applied for. Immediately tried contacting the company with no satisfaction, answers or even a response as to how this happened, however they were quick to remove 51 points from my credit score. Tried filling a dispute with XXXX XXXX only to find no way to file a dispute over so  called 'hard inquiry '. Was notified by XXXX, XXXX with alerts as to the sudden 51 point drop in my credit score
Product: Credit card

XX/XX/2024 : XXXX XXXX sent a text message at XXXX XXXX saying there was purchase of a filter for {$47.00}. XXXX : Went to the XXXX XXXX website and tried to cancel as I had not made a purchase nor had put my card on file with them. Removed a stored AMEX credit card that was never allowed by me, especially since I had no subscriptions. Cancellation not allowed for filter. XXXX : XXXX contacted XXXX XXXX customer service chat. Confirmed there was no subscriptions but said I made purchase at that time. Then told it would be canceled. 


XX/XX/2024 : Submitted dispute to Amex stating card had been used fraudulently and asked for refund. Sent attachments of images texts from XX/XX/2024 XXXX XXXX Customer service chat stating that it would be cancelled. 

Amex declined my refund despite never allowing this charge nor use of my card. This is in violation of my agreement.
Product: Checking or savings account

My debit card was lost upon leaving to my mothers funeral I called to notify and was told by us bank fraud department there was some fraud and I would be receiving temp credit and another card in the mail, eventually within a week my account was closed was given no reason but that my account could not be reopened
Product: Debt collection

Received 2 letters from Midland, stating to pay by a certain date, or legal action may occur.  This complaint is in reference to the first page of my attachment. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.