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

TransUnion recently sent postal mail to me ( dated XX/XX/2018 ) with incorrect info in the updated reports. There is incorrect information, information that belongs to someone else, AND old information that keeps reappearing or won't go away. I have repeatedly asked TransUnion to remove this incorrect, false, and outdated information, but they still have it there. I've called and written to them several months ago. At one point I am positive that the info was removed, but now it is all back again. The disputed information will be mentioned specifically in the section below. It is extremely dangerous to my person and identity as a consumer for this false and outdated information to continue reporting. This is also why I have repeatedly asked for all accounts to be verified and validated with proper original consumer contracts -- as the FCRA requires -- but they have yet to provide any. They are NOT supposed to just take companies ' words that an account is " verified '', " validated '', and " accurate ''. I've called and was even told that they do not have the documentation that the LAW REQUIRES. So, please tell me why and how they are still reporting these disputed accounts. They are not supposed to do this, and I am prepared to sue for damages done to my report thanks to their negligence in keeping unverified, invalidated info on my reports without taking in or providing to me a SHRED of viable proof.
Product: Mortgage

Hello, My lender ( Freedom Mortgage ) has raised my monthly payment amount {$450.00} due to they are stating my yearly property taxes are {$9300.00} and my yearly property taxes are only {$4600.00} ( my property taxes are impounded ). I want them to adjust my yearly property taxes and adjust my mortgage payment. I have submitted my tax statements and an online print out from the Tax Collector to my Lender several times and they are refusing to make correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX XXXX and XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit inquiry needs to be removed from my credit report and credit acceptance needs to be removed like they told me they were going to remove it from XXXX and XXXX and XXXX  XXXX XXXX needs to be removed from all XXXX  XXXX  XXXX and XXXX this is harming my mortgage application.
Product: Debt collection

GB Collects , LLC ( of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) continues to call me and send me letters concerning a debt I do not owe. They claim I owe XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) a sum of {$1.00}, XXXX premium for the month of XX/XX/XXXX. However, I terminated my policy on XX/XX/XXXX and I did not have any coverage with XXXX thereafter. I sent a copy of Form 1095-A (  Health Insurance Marketplace Statement ) to GB Collects , LLC in XX/XX/XXXX to prove to them that I did not owe XXXX any money. Even though GB Collects , LLC does not have any proof of my coverage with XXXX for the month of XX/XX/XXXX, they keep harassing me through phone calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a covnsumer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. 
Transunion ( only credit bureau ) reports it as XXXX XXXX  XXXX XXXX. 
I had requested to have information corrected at least 3 times, never had a solution. Attached you can find my Bank statement, DL and SS card showing my correct name.
Product: Checking or savings account

On XXXX XX/XX/XXXX I opened a personal checking account online with Citibank and transferred {$10000.00} from my personal checking account at another institution. On XXXX XX/XX/XXXX Citibank sent me an email saying that my account would be closed within 60 days. It is not clear what led to the account closure and the only explanation from Citi was : " We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. '' Citibank has not returned the funds to my sending account nor sent me a check for the funds. Attempts to retrieve the funds from Citibank have been unsuccessful. Citibank representatives have given information that is inconsistent, unprofessional and at times disparaging. 

On XXXX XX/XX/XXXX I called Citiphone banking and XXXX from Citibank said that there was a " Block '' on the account and another person from the fraud department would be able to lift it. According to XXXX from Citibank I would then have full account access. When I called the fraud department as directed, XXXX from Citi answered and proceeded to make disparaging remarks about my name. When I asked to speak to a supervisor the Citibank representative hung up. I called the citibank fraud number again and this time Citibank representative XXXX told me that to receive the funds I would have to make a new account but that I was also not able to make a new account. When I asked for a summary of the issue in writing the Citibank representative hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a certified letter to Experian stating that they were reporting on misleading accounts that needed to be deleted from my report and stated " I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. '' They did not comply and did not read my letter nor did they send the proof that i requested. Instead they decided to update the accounts and left it as is.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights.

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.
Product: Debt collection

Solomon & Solomon are reporting an old XXXX bill as owing XXXX. I have asked them to provide me proof of the amount owed as I know I do n't owe what they state. I filed with the Attorney General office and finally got some documents that show that they are collecting and amount that does n't belong to me and they continue to report it erroneously. I have been disputing this for over 3 years. The attempted to make their own excel spreadsheet and pass that off as what I owe. Once they provided all the supporting docs it showed that there was an amount transferred to my bill for XXXX that does n't belong to me.
Product: Mortgage

Ocwen is making loan agreements without all parties involved consent. They refuse to provide me information on the loan that they hold me liable for. I am co-borrower and co-owner of a property w/ ex-husband who is in Chapter XXXX in CA. Ocwen has entered into a forbearance agreement of some type without my consent and apparently with my ex-husband only. It is not part of the Chapter XXXX plan. Ocwen will not release any information of the agreement to me or update me on the status of the loan. I have not consented nor will I consent to any forbearance or modification agreement that does n't release my liability. Ocwen states I am liable for the loan but refuses to release any information about the loan to me ( they send letters to the credit agency about how late I am every month ). It is a {$700000.00} loan. They wo n't give me any information about the loan unless my ex-husband 's attorney sends a letter ( which he wo n't do ). There are no court orders stating I am not to get access. I have asked that all correspondences are sent to both parties on the loan countless times without success. There are no statements available.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it shows that XXXX XXXX XXXX XXXX  made an Hard Inquiry on My Credit Reports without XXXX, Transunion, & XXXX without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding 3 other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON ( XX/XX/year> )! Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from XXXX - XXXX & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly XXXXXXXX XXXX  & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY 3 CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  pulled this Hard Inquiry on XX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Product: Credit reporting or other personal consumer reports

To : CITIBANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Checking or savings account

I filed for a dispute clam in XX/XX/XXXX for an item that I bought online form XXXX XXXX that was {$1900.00} but when I bought the item I never received the item at my doorsteps when I called the merchant that I bought the item from they told me I need to contact my bank and talk with them so I did call chase bank try to get my money back from them and the customer representative told me not to worry about it so I said OK within 12 to 24 hours they temporary credit my account back so couple months go bye in XX/XX/XXXX I Filed a clam for XXXX that my Chase debit card has been used without my permission so I called the bank and tell them what happened that there was a fraudulent charge on my debit card and I would like the charge to be taken off so I talk to one of the customer  representative and told me not worry about it you will be getting the temporary credit within 12 to 24 hours I said OK. what then a couple of days I try to log into my Chase banking on line I got a message that your account is restricted so I call chase the one XXXX I asked the customer representative what is going on with my account they said there has been fraudulent on your account and youre no longer able to bank with Chase forever in life and they said they will be mailing my funds to me in a cashiers check
Product: Credit reporting or other personal consumer reports

I received a letter stating that my loans were paid off in full and there are still reporting balances on my credit report. So if my student loans were paid in full why havent the reported balances been removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. And this is my official notice about the crime. Debt transactions were created in my name without my knowledge or consent. I do not know any information about the suspect. All I know is that these fraudulent transactions were allowed to be reported by Trans Union, XXXX, and XXXX, which leads to several violations under the FCRA. Including but not limited to compliance procedures, written consent from me, and a " reasonable '' investigation of information before being reported. I am seeking justice to have the fraudulent account information permanently blocked, removed, and deleted from my credit report and file. Please see attached notice.
Product: Credit card or prepaid card

I received a promotion to add a co owner to my Apple Card thru my app if you add a co owner & they spend {$100.00} in the 1st month they receive {$100.00} in XXXX XXXX. Well my husband did not get his money & I have called 7 times all they do is tell me they understand apologize then 2 days later I get an email stating they did not make an error.. But every single time I call they just tell me more & more things that was supposed to be. I was supposed to do this or that, now I am starting to think they are not wanting to honor the promotion that they just had some credit card quota to meet. They told me once he was supposed to spend the {$100.00} get the XXXX XXXX then spend more. I told them no. Then they said it had to come thru a targeted e-mail & when I told them it came thru my app then they said I needed to go thru a link. I am like OMG!!!! I am so frustrated because my husband bought a almost {$400.00} item cause he thought he was getting that {$100.00}. I feel like this was a scam or something can someone please investigate this because I am sure I am not the only one.
Product: Debt collection

Portfolio recovery associates llc is in violation of court order ( XXXX ) by failing to provide me the contractual terms and conditions governing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has the worst consumer service! 

First Target sent a letter to me on XX/XX/2020, and then reponed to the CFPB XXXX XXXX. XXXX on XX/XX/2020. 

On XX/XX/2020, I called target and asked for a fax number I spoke to XXXX and XXXX. The fax number I was giving XXXX. 

Today XX/XX/2020, Call XXXX XXXX XXXX to check on the fax that I sent. On XX/XX/XXXX, XXXX from fax number XXXX. I called got the first rep and the was transfer to XXXX ID XXXX. This is not a good representative for the XXXX XXXX. I would suggest that someone who has more authority look into this situation. This can not be how someone conducts business. All I wanted to do is check on the fax that I sent.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and identified several late payments reported on my XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX  Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion
Product: Credit card or prepaid card

XXXX XXXX : On XX/XX/22, I called CitiBank to request a line of credit/credit card. I was asked if I wanted the BestBuy logo or the CitiBank logo on my new credit card. I asked multiple times what the difference was. The agent told me there was no difference. I asked multiple times if this card could be used anywhere outside of Best Buy and was repeatedly told " yes, this is a CitiBank credit card. '' On XX/XX/22, I received the credit card. It does not say CitiBank anywhere on the card, only BestBuy. When I attempted to enter it into a phone application as a method of payment, it was not recognized. There was no XXXX logo on the front of the card. I, then, called CitiBank 's credit card customer service number and spoke with another agent. This agent informed me that I had taken out a line of credit for {$2000.00} that was only for use with Best Buy. I informed the agent that my verbal consents to the agreement, when agreeing to receiving the card, were made to agree to a standard CitiBank credit card, not an in-store only Best Buy card and that the agent who completed the agreement with me via the phone on XX/XX/22 was deceitful in telling me this was a regular credit card and that they would have this call recorded. I requested a replacement card for the card I had originally agreed to and was told by this agent that would not be possible. I then requested to speak with the management team. Once on the phone with CitiBank 's management team, I informed the female agent of the situation and requested that the credit card I verbally agreed to on a recorded line be issued to me ; I never agreed to this type of line of credit. The agent reported all I could do was close this card, which has a balance, and wait 1 week to apply for their XXXX card. Otherwise, there was nothing she could do and I am left with a line of credit that I did not agree to and she would note my complaint. The agent also stated that nothing would be done to correct this deceptive tactic and provide me the card I agreed to. This card was issued using deceptive practices, I do not need a line of credit for {$2000.00} for Best Buy, nor would I ever have agreed to these terms, and this was not the product I legally agreed to via verbal contract on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX Resident type Apartment complex