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

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to CoreLogic requesting that they place a security freeze on my CoreLogic credit report they sent me a letter back essentially saying that they are the affiliate of purchaser report data gave by the XXXX  XXXX XXXX announcing organizations. So accordingly they couldn't put a stop on my CoreLogic credit report. Yet, I realize they play security freezes since I set a security freeze with them commonly previously.
Product: Credit reporting or other personal consumer reports

I the consumer have sent Equifax multiple letters to prove the information they are receiving from a third-party provider is correct and provide proof but they have failed to provide proper proof. 

The account is in question : XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXXXXXX XXXX XXXX # : XXXXXXXX XXXX XXXX  # : XXXX These accounts are being reported that I owe a debt to which I have evidence that I do not own anything on these accounts and that they are being reported inaccurately. I have a certified UCC-11 search from the Secretary of State showing I do not have any debts or liens. 

Under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. It is XXXX responsibility to make sure the information that they are furnishing on a consumers, consumer report is accurate and true. XXXX has not done this and it is a violation.
Product: Student loan

I am a permanently XXXX Veteran, my only income is {$2100.00} month from the VA. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. I believe Sallie Mae Bank is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. I am in financial hardship, and applied for a tpd - total permanent XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I am a single mother of XXXX  children/family of XXXX  and my rent is {$1100.00} - I am struggling right now. Sallie Mae Bank has caused me to have emotional distress that has affected my emotional well-being. Sallie Mae , Inc has not gone through every stage of repayment making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. My XXXX impacted my ability to finish my degree program and I requested for an income based repayment to have my monthly payments capped in direct relation to my income and to provide for full forgiveness of my remaining loan amounts once the minimum number of monthly payments is met. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an injured veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness. Sallie Mae , Inc. said  they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and  Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and Higher Education Opportunity Act of 2008 ( HEOA ) based on my individual circumstance. I have been harmed due to Sallie Mae , Inc. 's illegal practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 by 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 informationisinaccurate.
Product: Checking or savings account

I'm once again having huge problems with deductions from our Citibank XXXX XXXX account. 

Citibank has once again let a random person steal money from our account. 

Our Citibank XXXX, XXXX Account has had {$8400.00} stolen via XXXX XXXX  Charges. 

We do not even have a XXXX XXXX. 

The total is {$8400.00} We need these funds returned ASAP. 

This is the second fraud issue in the last few months. 

We bank with XXXX, XXXX and Citi. I've been with Citi the longest ( since the XXXX XXXX  ) and it was once best in class

. It's now so far below the other two banks, both in customer experience, security, digital banking, response time, .... No comparison. It's a shame how far it's fallen in a short few years. Citibank allowed fraud to happen once before on this same account, only months ago. I have no idea how Citibank just allows anyone to charge their credit cards to our bank account. It's unbelievable.

Not having this problem with any other bank.
Product: Debt collection

cease and desist According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, my Barclay Credit Card account was {$10000.00}. I made a payment of {$370.00} on XX/XX/2024 and additional payment of {$5000.00} on XX/XX/2024 which reduce my balance down to {$5400.00}. They reported to all three credit bureaus on XX/XX/2024 that the balance was {$10000.00}. This is FRAUD! I contacted Barclay on XX/XX/2024 and spoke with XXXX ( employee number XXXX ) she refused to update the credit bureaus and correct the fraudulent balance they reported. Said I had to wait until XX/XX/2024. For the last 22 days they have been defaming my character with the credit bureaus stating that I have use 94 % of my credit, making my score drop to XXXX. This is wrong and outrageous what this company does. The blantant fraud they commit and blatantly refuse to correct this error. They must be investigated for their abuse and fraud.
Product: Debt collection

Hi National Recovery Agency/ Ntl Grid MA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : ( false collections ) XXXX XXXX XXXX, Reported : XXXX XXXX, XXXX and XXXX Reported : XXXX XXXX, XXXX. ( inquiries ) XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I do not contact these companies for the following dates that have been listed with XXXX XXXXXXXX which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times, but with no success in them correcting my full credit report. Due to the fact that I was a victim of identity theft, I decided to have all credit bureaus to show my legal first and last name, and my current residence address only. Experian was sent on XX/XX/2018 a notarized copy of my utility bill, drivers license, and my social security card which shows XXXX XXXX and my address XXXX XXXX XXXX XXXX. When receiving my updated credit report Experian did as they wished not as I requested of them- under my legal right. You will find a copy of my police report where I reported identity theft, you will also find 2 copies of certified letters. 

The first certified letter requested the above, the second certified letter included the removal Again of all unnecessary names, addresses, date of birth, phone numbers which majority are incorrect anyway. Now they show a spouse or co-applicant on my report which is my daughters current name XXXX and my deceased mother which neither is a co-applicant to anything I own. I did inform Experian on my first request to update their records that if it was not done in a timely manner I would move forward to report them not only to your establishment, but also to the Attorney General as well as the Better Business Bureau. I am not able to download my documentation but I am more than willing to have this information mailed to your establishment. 

Your help in this matter would certainly be appreciated. 

Thank you in advance, XXXX XXXX.
Product: Credit card

I believe that American Express is conducting a form of wire fraud. I have an American Express credit card. I used this card to purchase a XXXX. At my home number, I received a message on my home answering machine from the AmEx Fraud Prevention department saying that I had to call the XXXX number on the back of the card and report that I had received the devices and was satisfied, before AmEx would pay the merchant. I made that call on XXXX XXXX. The merchant reported no payment. I called AmEx again, and we reassured " that your account was charged on XXXX XXXX. '' Merchant was still not paid. I called AmEx yet again ( this time to a number that the merchant told me that they had been told by AmEx that I had to call ... a different number than the one originally left on my home message machine. I called that number and was again told that my card was charged on XXXX XXXX. As of today, the merchant reports that they have still not been paid. 

In other words, AmEx is apparently debiting my account for the full amount of the charge ( and will be expecting me to pay them as soon as my bill arrives ) but AmEx is NOT paying the merchant ... living off the float. And the message they left on my home message machine told me that I had to call the phone number on the back of my credit card in order to have the payment released. They told the merchant that I had to call a different number. This " looks like '' to my eye, a prearranged scheme that causes delay and makes it virtually impossible to get the payment released to the merchant. If they are doing this to just a few XXXX of their customers, they must be effectively " borrowing '' many XXXX dollars from their customers and not fulfilling their customer or their merchant agreements. In my opinion, inasmuch as AmEx is using interstate wire services to accomplish this, this appears to me to be federal wire fraud. I 'd like this fixed.
Product: Mortgage

On or about XX/XX/2023, I informed Mr Cooper/Nationstar that my home is under contract and the loan would be paid off on XX/XX/XXXX. I gave them my forwarding address for the refund of my escrow account. On or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have called Mr Cooper to inform them no checks have ever arrived and that I would like my escrow balance wired to me. ( I also talked to my postal carrier and they have been on the lookout for 3 checks that were allegedly mailed to no avail ). I have provided direct deposit documentation along with documentation of my new married name so they can update my account. Nothing has happened as of today. I have been dealing with an amazing lady named XXXX and she has tried so hard to remedy this issue but cant seem to get the proper approval or information in order to reissue my escrow funds. First account services told me that checks were issued on XX/XX/XXXX and XX/XX/XXXX, respectively but now I am being told there was a wire transfer on XX/XX/XXXX that never came. I am have tried all options to get my funds and nothing is working. They never issued 3 checks to me otherwise I would have received at least 1 of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my report.
Product: Credit reporting or other personal consumer reports

I called XXXX they say I have an attorney and they can't talk to me. I called the attorney by googling his name they said they would get back with me and I still havent heard from anyone or seen any removals of the XXXX XXXX  address which isn't mine, or the wrong telephone number Experian has on my credit report which hasn't been removed, I can't access anything on Experian or talk to anyone. It has been over 30 days with all this inaccurate reporting I may have to sue for statuaory damages on these charge offs which have been reporting past due at the same time, if they took a loss & wrote it off it isn't past due. I will sue XXXX XXXX and Experian for statutory damages.
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 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 accounts 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 accounts ; XXXX XXXX Balance : {$5800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX  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: Bank account or service

on XX/XX/2016 somebody broke into my house/office and stole my checkbook and wrote several checks but XXXX were cashed by the bank, I informed the bank about it but they insist I have to pay those checks, those check do not have my signatureThe bank is chase, my account # XXXX chase phone # XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My information was sold and bought illegally because i was a victim of the XXXX data breach 1. my name is wrong or exaggerated under all 3 bureaus.

2. there are erroneous mailing addresses ive never lived at.

3. there is a social under transunion ive never seen 4. there is a giant list of phone numbers that have never belonged to me. 

there are SEVERAL XXXX dollars that i never authorized nor signed to open accounts with : I am not liable for these debts with XXXX I do not have a contract with XXXX. They did not provide me with the contract as requested for the following 1. XXXX acct XXXX with {$6500.00} in unauthorized charges US CODE 1681 I am not liable for these debts with XXXX XXXX XXXX. they do not have a contract with me as i have requested they provide for the following : 1. XXXXXXXX XXXX acct XXXX {$5800.00} in unauthorized charges US CODE 1681 i am not liable for these debts with XXXX XXXX XXXX : 1. XXXXXXXX XXXX acct XXXX {$5000.00} in unauthorized charges US CODE 1681 2. XXXXXXXX XXXX acct XXXX {$880.00} in unauthorized charges XXXX CODE 1681 3. XXXX acct XXXX {$2700.00} in unauthorized charges US CODE 1681 4. XXXX XXXX XXXX  acct XXXX {$1000.00} in unauthorized charges US CODE 1681 5. XXXXXXXX XXXX XXXX  acct XXXX {$2300.00} in unauthorized charges US CODE XXXX 6. XXXX XXXX XXXX XXXX acct XXXX {$1000.00} in duplicate account charges XXXX XXXX XXXX 7XXXX  XXXX XXXXXXXX acct XXXX {$580.00} in unauthorized charges US Code 1681 XXXX XXXX acct XXXX with {$1400.00} in unauthorized charges US Code 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$900.00} in unauthorized charges My information was compromised in the XXXX XXXX breach XXXX claim number XXXX  - and several of my accounts were sold illegally, and unauthorized charged were charged on my accounts. And my information has been confirmed as being on the dark web thank you for your assistance in this matter as well as your time and patience