23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous bankruptcy entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting.

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack.

Erroneous XXXX  Reporting : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, On XX/XX/2020 my account was frozen by Citibank. When I called them on XX/XX/2020 they told me my account has been frozen by the fraud department. Since I was out I instructed them I would give them a call back because I did not want to answer personal questions on the street and I had my credit card. When I spoke to a representative on Monday XX/XX/2020 from the Security Fraud department they first accused me of fraud then hung up the phone. I honestly thought someone hacked my account. I called back and spoke to 3 different people who were not customer service friendly at all, they all told me my account is being investigated and is in the process of being closed. I will receive a letter in the mail between 30-60 days, then I was assured it would be closer to 30 days. I called back on XX/XX/2020 after receiving my bank statements from Citi showing checking account balance {$0.00} and savings account {$0.00} as of XX/XX/2020, it states other withdrawal deducting the full amount from my saving {$14000.00} and checking {$3400.00}. They told me that my checking account has been closed and there is a block on my savings account. I was then informed that this process would take 60 days and if I wanted to know more information go the the branch. I went to the branch and it was nothing they can tell me. I called Citi back and offered to provide tax transcripts for my self employed business, which is different from tax returns. I paid my landlord from XXXX I offered to provide documentation verifying that was my landlord. My fiance and I are saving to buy a house and a transfered money with XXXX to a joint house account offered to show proof of that they wanted nothing. They did not want any paper work, so I am confused on how are you investigating with no documentation? Now I feel like Citi bank is judging me based on what they believe my financial cap should be. So now its XXXX XXXX and it has been 60 days since they froze my account. No letter in the mail however I do receive a bank statement dated XXXX XXXX Checking {$0.00} and Saving {$0.00}. I call them up on XX/XX/XXXX asking the status of my account it has been 60 days. They told me that no your account has been under review since XX/XX/2020 - XX/XX/2020 and they made a decision to close it on XX/XX/2020 so they have until XX/XX/2020. I called Citi bank today to find out the status of this letter, this investigation. The last and final representative told me my account is being closed out it will take XXXX days my account is under investigation. I told her it has been 60 days, she told me thats all she can tell me and she is disconnecting the call now. This whole interruption started XXXX XXXX and now it is XXXX XXXX, it has been 80 days and no letter, no funds, no status except your checking account is closed and your saving is blocked and that has been the same status since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

The current items are errors on my credit report. 

The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is 2 credit cards listed under all 3 of my credit reports. I contacted them by phone again XX/XX/2024 and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX XXXX, and equifax. XX/XX/2024 Please remove these illegal credit cards under my name which XXXX XXXX said they ONLY issues PREPAID cards and not CREDIT CARDS off my XXXX, XXXX, and equifax REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

THD/CBNA - XXXX : I was not late on this account. I was trying to pay online and their system kept kicking me out - So I called them on the phone and they told me that my payment went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have 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 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 items of information, other than records of convictions of crime which XXXX XXXX  the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of complaining about these same issues with this bureau. They repeatedly keep leaving the same inaccurate info on my report pretending that it's correct and some how I'm too stupid to understand anything. The stupidity is all within this bureau not in my home! See attached with comments that don't make any sense to me at all!
Product: Debt collection

Desperately trying to fix my credit, as a college student with very little money. I ordered my credit reports and learned that I had collections that were being re-aged. I decided to contact the collection agencies for clarification on the date of last activity ( not validation and verification ). They were reluctant to assist me, I called the original creditors and I received the date of last activity. When I compared it what was written on my credit report I realized that the dates were off by years. Credence Resource Management insisted that the dates were correct despite having the date of activity from the original creditors. 

Credence Resource Management is the collection agency for XXXX now owned by XXXX. When I called XXXX I was told the last activity date when the Account Became Delinquent was XX/XX/XXXX. As evidence by the phone recording with XXXX, ( I live in a XXXX party consent state- New York ) XXXX However Credence Resource Management is reporting the last date of activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. 

CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date Last Active : XX/XX/XXXX XX/XX/XXXX Recording According to the agent at XXXX in the recording she states at XXXX that the account was passed due for XXXX  days in the amount of {$460.00} since XX/XX/XXXX ( this is the date of last payment or the delinquent ). However Credence Resource Management has listed the date of last activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. This is re-aging of the alleged debt and illegal according to Fair Credit Reporting Act { FCRA }, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

City Bank cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but Citibank still wrongfully reported that the account was charged off.
Product: Debt collection

I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. ALSO, THERE ARE 3 ACCOUNTS REPORTING FOR THE EXACT SAME AMOUNT. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
Product: Payday loan, title loan, or personal loan

Hello! I took out an online loan because I was having financial difficulties. I did a XXXX search and came across an XXXX XXXX website called Uprova.com the interest rate is over 500 % on a {$1000.00} loan. The payments are {$450.00} a month for 9 months. Upon research this XXXX XXXX has been involved in numerous lawsuits about illegal loans given. The website wont even work properly and I havent been able to see my balance owed or anything since the day I received the loan. They continue to try to withdrawal my payment and they wont respond to my emails about their website being under maintenance for over a month. Im afraid after research this is an illegal loan and they are going to come after me for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Capital One Application ID : XXXX Incoect spelling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DeXXXX Every month or two I get a notice of credit denial from them, saying I applied for a credit card. I have not applied. Not from Capital One or any one else. I trying to steer clear of these blood sucking, high intrest loan sharks.
Product: Credit card

Imagine you have ( for example ) XXXX reward points associated with your JPMNChase credit card, and you want to transfer them to a travel partner of Chases, such as XXXX or XXXX. 

You cant, unless you shell out for a {$95.00} per year travel card like their XXXX card. My complaint is that this is the practice in effect for the Chase Freedom Unlimited card. They should either loosen that restriction, or remove the false promises of Freedom and Unlimited from the name of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute for debt, this is a request to remove a name that does not belong to me.
Product: Credit reporting or other personal consumer reports

I have communicated with LexisNexis regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. XXXX have sent me documents saying they have received confirmation LexisNexis. This is a lie. Attached you will find the correspondence from the Bankruptcy court house and Lexis Nexis regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Debt collection

On XX/XX/2021 I tried to put an advertisement in a newspaper. Due several changes in the newspaper 's staff I had in contact with many people in there trying to close the deal in vain when finally on XX/XX/2021 I could made business with one of them for {$150.00}. The advertisement was paid and published according the contract terms but the newspaper generated two different invoices by two separate persons in two different dates, so now after almost XXXX years the case remains in a collection agency for an invoice of {$400.00} and is almost impossible to solve the problem with the newspaper due lack understanding. 
I have been receiving letters and phone calls from the collector but only tells me I have to try to solve the problem with the newspaper or pay the debt. 
I have the whole emails chain history because the newspaper and I always tried to communicate each other through that way.
Product: Vehicle loan or lease

I was trying to trade my XXXX at a XXXX dealership and I was told that as of XX/XX/2021 we can only br return to a XXXX dealership. They are not allowing anyone else except the lessee to make the payment. This is something new and is forcing consumers to be channeled only to the car manufacture dealership. Not allowing people to get out of there lease for another manufacture. This has to be ill eagle
Product: Credit reporting or other personal consumer reports

Once again, Transunion is providing fasle information and furnishing it on my credit report. This is the three times this week and seven time this month. totalling ten times have had to deal with this.

At this point, they are falsifying information about me and my next today is to file a suit against them to compensate me {$1100.00} for each they have provided me with this information. I also, want them to pay for my attorney and for the fee to hire a credit repai company to help handle this. 
The lender XXXX XXXX has confirmed my amount due but transunion has reported several times on their montioring website incorrect amount dues and its affecting my ability to get funding. They are reporting now XXXX before it was {$5000.00} and it should be {$290.00} dollars. I filed a complaint that it shoild if been {$2000.00} but that was XXXX bill but by the time they respond it is another amount. 
I filed several complaints and it seems that they close out a complaint before the comsumer has comfirmed what they said was done was actually done. 
Nonetheless, this is very stressful and time consuming and its cost more money to actually get results I have submiitted the credit report, the bank statement as well as circled what is in questioned.
Product: Credit card or prepaid card

I have a Lowes account and noticed only today that for the past year, I have been charged a {$40.00} late fee every month, even though My payments which are always higher than the minimum payment, are paid automatically on the due date. 
When I called to ask that the fees be reversed, I was told that it is tough luck because that is their policy. Also my due dates have been randomly changed by their system. 
This is nothing short of fraud and extortion! 
I am a senior Widow on a fixed income and I can not afford this. 
I also wonder how many other card holders they are scamming in this way. 
My account # is XXXX The payments go to Syncrony Bank Lowes XXXX XXXXSYNCB XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I opend a joint credit card account that she is the primary holder of, I am just an authorized user.I had never used that account ever.However, It has been affecting my credit score so much so that my credit score took a nose dive of 53 points with Equifax today, which prompted me to close the joint account on my side on the phone today.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is an account by the name of XXXXXXXX XXXX XXXX  on my credit report that has incorrect information that is hurting my credit score. The account should be removed immediately
Product: Money transfer, virtual currency, or money service

I want to buy a game device on XXXX XXXX  in this link ( XXXX XXXX XXXXXXXX ) from a seller with total of XXXX, the seller ask me to deposit XXXX. I did that through zelle on my XXXX bank to someone on zelle under name : XXXX XXXX with Phone number : ( XXXX ) XXXX and after that the seller sent me a fake receipt and ask me for the rest of the payment otherwise he will stop the shipment. and I said the seller can go ahead stop sending it to me and send me back my deposit. from there I did not receive any response from the seller. he ran away with my deposit. I had all the evidence include all the text and the fake XXXX receipt ( I know it fake because he used fake address on it which is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX which is the resident address ). I already report this to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. Experian is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. XXXX and Experian both allowed fraudulent accounts to continue on my credit profile, Experian allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to me
Product: Credit reporting or other personal consumer reports

I found many inquiries from mr cooper and XXXX  XXXX XXXX in my record, the companies did not provide authorization to pull my credit or any product offered associated with their unauthorized credit pull that they sent me in writing. How did they get my information, my social security number, my address etc?