23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I entered in a consumer credit transaction with Citibank on XX/XX/2020. 

Following that date Ive received numerous emails, none of which adhered to 15 USC 1692g. ( a ) ( 3 ) which states that a debt collector is required to send the consumer written notice within the first five days following initial communication stating that the consumer has the option and right to dispute the validity of the alleged debt. 
Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt within the first 30 days, shall not be construed as an admission of liability.

Citibank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report and also one which I, the original creditor and protected consumer, am not liable for. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, Citibank never notified me of my option to opt out from the reporting process or gave instruction on how to and has instead proceeded to report invalidated information regarding this alleged debt to the Credit Reporting Bureaus that damage my reputation and constitute fraud, since I never consented. 

All of this to say that the alleged debt is not mine to cover, since it is a consumer transaction that was initiated through my Social Security Number, much less be defamed over. 

I am aware that banking institutions dont have the power to extend credit and that it is actually I, the original creditor who is extending this credit line to this institution. I dont appreciate the misleading and false representations that Citibank has utilized in order to try to coerce payment from me regarding an alleged and now disputed debt, including the fact that initial communication and subsequent emails requesting payment have violated 15 USC 1692e. ( 11 ) by failing to disclose that they are attempting to collect a debt.
Product: Debt collection

I properly closed my security monitoring account with XXXX XXXX when they sold the company. I have a zero balance listed on my XXXX XXXX credit report for XXXX XXXX with a property closed account. 

Zion debit collection company contacted me saying I still owed {$140.00} to the new company, that purchased XXXX, before my account could be closed properly. 

I advised the Zion representative that I will not pay any amount because the account was closed properly. I requested Zion send me proper documentation showing why the new company wanted an additional {$140.00} to close the account.

No documentation was ever received from Zion.

Zion collection placed a negative remark on my credit report. I disputed the remark via the proper XXXX XXXX dispute resolution center. They did not remove the negative remark and did not provide me with any documentation. 

Zion Debt Collections actions are fraudulent in nature. The company should be fined for their actions. 

Respectfully
Product: Debt collection

Please see attached docs for ID theft info and FTC papers for my id theft and remove the affected accounts thx. 
FILES ATTACHED : 1. FTC ID THEFT REPORT 2. FCRA 605B 3. AFFIDAVIT OF ACCOUNTS THAT ARE FRAUD EACH BUREAU ( EXPIERIAN, XXXX XXXX XXXX ) 4. POLICE REPORT 5. ID PROOF
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Product: Vehicle loan or lease

I financed a car through pronto finance and due to a financial hardship i wasnt able to make payments on time after 3 months. My car was towed and i asked for their help to get my car and they agreed that they would help me then they never gave me my car back and told me they were repossessing it due to non payment. I cant remember any specific dates buti got the car in XXXX of 2018 i gave the the dealership which is XXXX XXXX XXXX  a XXXX XXXX dollar down payment for the car and when i check my payment history from pronto finance its not on there
Product: Mortgage

My mortgage servicing, loan # XXXX was recently sold from XXXX XXXX XXXX to Midland Mortgage. My loan is currently in forbearance until XX/XX/2021. Since my loan was sold I have been consistently receiving three to four phone calls per day, some pre-recorded some not, informing me that my loan was delinquent and that I should contact the Lender immediately to avoid foreclosure or damaging my credit. 
In addition to these harassing phone calls are threatening letters implying that my loan is delinquent and the lender may need to visit my home. There are also letters some some which I have discarded implying that my loan is delinquent and that I need to contact the Lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Suntust DBA as Light Stream. They placed an unauthorized inquiry on my XXXX  credit report on XX/XX/2020 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This is my complaint regarding Experian credit bureau. Please send this letter to the credit bureau, it is pretty self explanatory. 

I have perfect credit and I have for years, I don't need to use it much but I do try to keep it in good shape. I want to know why for no reason at all that my credit score dropped XXXX points on XX/XX/year>, it dropped from XXXX down to XXXX. I have {$50000.00} in credit available to me, I only owe about {$1500.00} to date. All of my accounts are never late or they are not paid as agreed, everything is always paid on time, then out of no where my score drops, how can they say even though your XXXX score may change, this does not affect your credit worthiness. Example : My understanding is today my credit score is XXXX but tomorrow my score drops down to XXXX and my Experian credit bureau is good, is that going to help me as much as if the score was XXXX. I need this explained to me, none of this makes sense. I can't seem to to get that XXXX or XXXX XXXX score no matter how hard I tried. I dedicate my financial status around getting XXXX or XXXX on all of my credit bureaus. The phone numbers that I have tried calling to discuss this with are ( XXXX ) XXXX and ( XXXX ) XXXX I have been trying to get a hold of someone at Experian for the last 3 days only getting the same results, nothing. When I have tried calling it says thank you for calling Experian, then it asks for my information XXXX or 3 times before getting me over to the automated line. I then request to speak with a representative, but I get no where, not even a transfer to where I can get any help, this is very time consuming and unorganized. I do not have this issue with XXXX or XXXX, I want to be able to find out what I need to do from here to get my scores back up to where they need to be and be able to talk with a live person and not an automated computer when I call Experian. Thank you. I look forward to hearing from you. 

XXXX XXXX
Product: Checking or savings account

Trying to close share account XXXX. I have sent two written requests and nothing seems to be happening.
Product: Credit reporting or other personal consumer reports

I called Wells Fargo Bank because they reported a balance with remarks as a charge-off. According to the law, they are supposed to provide the 1099-C showing the charge-off. When I called to receive this document, they refused. The account has been charged off for 3 years, and I have not received the tax form for the year it was charged off. Under the Internal Revenue Code Section 6050P, creditors are required to issue a Form 1099-C for canceled or charged-off debts exceeding {$600.00}. I am requesting verification that this debt complies with federal tax reporting requirements. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I dispute the accuracy of this debt as it appears on my credit report. Please provide evidence of the validity of the debt and any related tax documents, or correct/remove the entry if it is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Equifax XXXX Payment On Time Ok / XXXX Payment Ok XXXX XXXX Payment ON Time OK / XXXX Payment Ok The Same Account Have AGO-XXXX Payments On Time OK In Boths reports appears Different Messages So We don't have Due Date always Payment Ok please Repair Them and ACT Fair Credit looking for XXXX XXXX XXXX My Record is 100 % Payments in the last XXXX Years Please Can help me Thank you
Product: Credit reporting or other personal consumer reports

I respectfully express my continued disagreement regarding the inclusion of the following account in my credit report, notwithstanding the outcome of your initial investigation. I am compelled to request an immediate re-investigation into this matter due to the significant adverse impact these inaccuracies have on my credit standing. 

Creditor : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) I kindly request the disclosure of the names and business addresses of each individual involved in the previous verification process. This information will enable me to pursue appropriate follow-up actions. 

Furthermore, I request that you provide me with an updated copy of my credit report subsequent to the completion of your reinvestigation. 

Your prompt attention to this matter is greatly appreciated. 

Attached is a sworn affidavit along with a front and back copy of my identification for verification purposes.
Product: Debt collection

Conns appliances is filing a judgment against me. This debt is reporting on credit as opened in XX/XX/2015and that is false. This debt was opened 10+years ago. I had made a settlement agreement after there own employee lied of the terms of contract. I did not make the last payment as Conns would not provide written proof of settlement agreement. If you request communication records you will see how many times I tried to call and resolve this and how many people I bounced around with to try and get an answer. This was a {$3000.00} purchase I have paid double that amount and now they are starting balance is still over {$2900.00}. Even though technically in settlement I only owed about {$800.00}. They are changing dates to extended statue of limitation. They are now using a law firm by the name of  XXXX law firm for judgment. They have records of how many times I paid and tried to resolve this and never worked with me. I offered to return TV and they lied and said that was not an option. I have had nothing but trouble trying to resolve this. And again records and dates are being changed. I will be working with my bank to get statement copies of every time I paid them. But cons needs to have payment history and the date this account was actually opened. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened this account with my information. I have supplied Experian Credit Reporting with proof that it was fraud along with the police and FTC report. They have failed to remove it. I am a victim of fraud! The account is as follows : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX  15 U.S.C, 1681section 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 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 by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

M & T Bank has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with XXXX XXXX XXXX now XXXX XXXX XXXX , M & T were notified that the property attached to the loan was sold and closed out on XX/XX/2021. M & T continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. M & T suggested talking to XXXX. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At M & T I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At XXXX, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses M & T in the communication since I am sent back & forth between the two entities. The resolution is simple. M & T accept the payoff from funds received at closing on XX/XX/2021, XXXX out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.
Product: Mortgage

In XXXX 2023, I received written notice that Carrington Mortgage had assumed my VA mortgage. The company did have my account on file during the first week of XXXX. Customer Service advised I need to wait until on or after XX/XX/XXXX. By XX/XX/XXXX, the company had withdrawn my full payment for the month but failed to record it appropriately. By XX/XX/XXXX, they had received that full payment as well. By XX/XX/XXXX, the company has withdrawn half of the XXXX payment. The total amount taken by the company at this point exceeds the minimum amounts due, but the company continues to show me in default status threatening collection. These practices seem unfair, misleading and deceptive.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct XXXX XXXXXXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

At the beginning of XXXX, I questioned why my payments were being held instead of being applied to my mortgage. Ive also asked several times why I can not see the balance of my escrow account. I was promised follow-up, but no one ever reaches out to me. The customer service rep also could not tell me the amount. Why is this being hidden when it determines my payment each year?
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX on experian, it also states on XXXX it was charged off in XX/XX/XXXX, it shows no payment history on XXXXon experian every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX.on XXXX to shows charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on experian it shows 120 days late in XX/XX/XXXX and on XXXX it shows 120 days late in XXXX XXXXon experian it shows date of late payment as XX/XX/XXXX and both XXXX and XXXX it shows no date of last payment.On experian it shows no balance update and no balance, on XXXX it balance updated XX/XX/XXXX and {$0.00} balance and on XXXX it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX -Account Number XXXX Enclosed is a copy of my most recent credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX CARD Date of inquiry : XX/XX/2022 XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX