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

On or about XX/XX/XXXX i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well experian, XXXX and XXXX have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over XXXX year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX date opened XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date OPened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened XXXX account Number XXXX XXXX XXXX Account Number XXXX Opened XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date oepned XXXX XXXX XXXX XXXX XXXX  XXXX date oepened XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Product: Credit card or prepaid card

Citibank did not send me a statement, which should have been for XX/XX/XXXX to about XX/XX/2023. I normally receive paper statements as I do not have easy access to the internet. I called Citi about a week ago and was told to wait a while longer. But, nothing. I suspect that Citi purposely delays sending out paper statements because it wants to save money on mailing paper statements by scaring those who won't sign up for electronic statements and/or wants cardholders to make late payments and collect exorbitant fees and interest.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there were accounts that were not reporting accurately and that were incomplete. According to the F.C.R.A whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I disputed the information with the credit reporting agencies, but nothing changed or was corrected. I sent them a letter to reinvestigate these accounts listed below because : [ XXXX / XXXX XXXX  ] the closed date, last activity and payment history are not correct. This account is not accurate. 

[ XXXX XXXX  ] the last activity and payment history are incorrect. This account is not accurate. 

They have not responded to me. 
[ XXXX ] the closed date, last activity and payment history are incorrect. This account is not accurate. 

[ Us Dept. Of Education ] the closed date, payment history, and last activity are incorrect. This account is not accurate. 

[ XXXX - XXXX ] the delinquency information on this account is incorrect. This account is not accurate.
Product: Debt collection

COMENITY CB/ XXXX XXXX XXXX  Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Debt collection

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet SANTANDER CONSUMER USA is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. SANTANDER CONSUMER USA reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2
Product: Mortgage

XXXX XXXX sold our XXXX Mortgage to Green Tree Servicing LLC a few years back. I 've been reading about harrasing calls for collecting payments and we most definately agree, they were so rude and demanding. Their calls would always start out " could I speak to XYZ '' and you respond " this is '' and the next sentence would be " do you want to keep your home at XYZ '' ). Really, what a very offensive comment on your XXXX call requesting payment information. I recall many times I commented that they put their efforts towards collecting from true " past due '' customers and not us when we did n't miss a payment in a 30 day window ). They would go so far as calling on the due date if it did n't arrive and ask where 's your payment, what 's the check number, why did n't you mail it in time. XXXX conversation we specifically remember that was so wrong on their behalf.. I questioned them as to why they continue to call every month without allowing us the 14 day grace period before it 's past due. I was told Green Tree is a collection agenecy not a mortgage company so no grace period is allowed, which I found to be very concerning as my loan was definately connected to my home mortgage for colateral. Last year, XXXX sold our primary mortgage to Green Tree as well so I 'm concerned what the future may hold for us if our payment does not arrive on or before the " due date '' and no grace period allowed ( according to GreenTree representatives ). I do have to say for a professional lending company, they have no professionalism in their business tactics. 
We just recently paid our XXXX mortgage in full with GreenTree so we could have the harrassing stop every single month, no matter what the date was and we did not feel they deserved XXXX in interest to support wages for that kind of customer service. If I had the finances I would pay my primary mortgage in full as well so GreenTree receives no interest from us ( but we currently do not have the resources to pay it in full ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I was informed by a mortgage broker that my Experian credit report was unable to be pulled. 

I called Experian. No customer service representative could explain why this was the case. I spoke to a manager named XXXX. She was extremely unhelpful and admitted that Experian had made a mistake but was unable to fix it promptly. 

She also indicated that Experian was unable to follow up with me to give any status update about when the error might be fixed, because " that is not what they do ''. She was also unable to give me her phone number to check in on this matter. Finally, she told me this was impossible to escalate and that no one at the company existed that could be helpful. When I pressed, the customer support team admitted to not having " any answers ''. 

I am unable to proceed with my mortgage based on this error.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and i notice there were a few fraudulent inquires on my report. i have contacted transunion to have them remove but they refuse to do so. now we are here. these inquiries were place on my report in the month of XX/XX/2023. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Both these inquires are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

This was {$50.00} PNC Bank card given to us as gift and when we finally plan to use during holiday season we found the balance left on the card was {$2.00}. Bank took away rest of the money in their account upon calling multiple times customer service just response that its service charge monthly, this is absurd when the card is valid till XXXX how can they charge fees and for what? As I received a gift card how would we know of such charges? Are we still staying 19 centuries where bank can about anything. Do not bank with PNC Bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX XXXX Bank for {$750.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me.
Product: Checking or savings account

SUBMITTED AT MINIMUM ( 6 ) DISPUTE REQUESTS INCLUDING BUT NOT LIMITED TOO POLICE REPORT AND OTHER INFORMATION REQUESTED FOR FRAUDULENT TRANSFER OF {$1400.00} TO ANOTHER CHIME ACCOUNT. COMPANY CONTINUES TO DENY DISPUTE. POLICE REPORT SUBMITTED XXXX XXXX XXXX XXXXXXXX, KY XXXX POLICE REPORT # XXXX XXXX. ALSO SUBMITTED EMAILS FROM CHIEF, ETC OF POLICE STATION. ( POLICE HAVE SURVEILLANCE OF INCIDENT. COMPANY STILL REFUSES TO REFUND THE DISPUTE. THERE IS ALSO A WARRANT OUT FOR INDIVIDUALS ARREST. INSTITUTION STILL REFUSES TO REFUND DISPUTE - POLICE INFORMED ME THIS IS A FELONY. HAVE HAD TO RE-OPEN DISPUTE MULTIPLE TIMES - NO AVAIL. PLEASE HELP
Product: Debt collection

Both my family and I had been receiving threatening phone calls and voicemail to provide my information so that they may contact me about a debt i supposedly owed. After calling them back the man proceeded to tell me i was being sued by XXXX XXXX for a debt i owed them and the only way to differ that was by making a payment. At the time i agreed and made a payment of {$110.00} and set up an arrangement for monthly payments. This month ( XXXX ) the day before they were due to withdraw the money my XXXX year old son got ill and had XXXX. I had to take him to the doctor and as a result had a list of medication i needed to purchase for him. I call the company right after his doctors appointment and they said the payment had already been submitted and there was nothing they could do. Today the payment was declined and a woman called me back in a rage. Asking if I was on probation because they would be suing me and pressing charges and the police were going to show up at my job and arrest me, unless somehow i cam up with {$60.00}. At that moment it made me think. I did some research and I found quite a few people had been through the same thing and that it was a scam. I proceeded to call XXXX XXXX ( the company they said i owed money to ) and was told that they do not use a collection agency by that name nor do i have an active account with them. I immediately called my bank and had them cancel my card and block them from making any other withdraws from my account. The woman from the " collection agency '' called me again to see if I was going to make the {$60.00} payment and i told her i knew it was fraud to never call me again because im filing a claim with the FBI. She again go infuriated and started using fowl language so i hung up and have n't heard back from her since. The telephone numbers they have contacted me from or have had me use to contact them are XXXX and ( XXXX ) XXXX. I was told the company name is Citi Management.
Product: Credit reporting, credit repair services, 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 : //www.ftc.gov 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 blocking 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 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  Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts that you reported that are accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with in regards to the following accounts and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

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  As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter from MOHELA stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or XXXX account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from MOHELA each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted MOHELA by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Product: Debt collection

On XX/XX/18, XXXX XXXX XXXX Attorney for National Judgment Recovery Center, L.P. as assignee of XXXX XXXX XXXX froze and is trying to garnish my saving account which is social security money and is my only means of support.
Product: Debt collection

PRESTIGE FINANCIAL SERVICES INC is continuosly attempting to collect a fraudulent debt by placing said debt ( account number on credit report # XXXX ) on the credit report of XXXX XXXX ( last four ss # XXXX XXXX. This alleged debt was settled in a court of law 3 years ago ( judgment attached ) yet PRESTIGE FINANCIAL SERVICES INC continues to list this fraudulent account. PRESTIGE FINANCIAL SERVICES INC hereby agrees that XXXX, XXXX can take immediate legal action if this alleged debt is not removed from the credit report of XXXX XXXX within 7 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information on my consumer report. The only correct address associated with me is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other listed addresses are incorrect and must be removed. My sole employer is XXXX XXXX XXXX XXXX XXXX, and any other employer details should also be deleted. Additionally, please remove all phone numbers on my report. Per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate. Incorrect addresses and other personal details not only violate the FCRA but may also disrupt postal deliveries and cause unnecessary complications. I request immediate correction of these inaccuracies and confirmation once the updates are complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 
Thank you for reviewing my issue. 

I have two major unknown errors or thefts on my transunion credit scores. I seen that under the alert section today. I see an unknown address on my report- Date is XXXX. It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Co, XXXX. Never been there or has anything to do with it. 
Second, I see an unknown Account as well which shows balance of {$420.00}, account number is XXXX. I am not sure why it is there and who's info. is on my account or who is using my account?! It shows date of XXXX, 2023, so it is recent! 
I hope this gets resolved. 
I also don't see any clear explanation for drop in XXXX credits points. 
I hope this issue gets resolved soon as I'm worried about my account privacy and credit scores!
Product: Credit reporting or other personal consumer reports

This is not a notice for investigation for inaccurate items on my report. This is a notice to remove and/or update excluded information from my report. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to15 U.S. Code 1681a. As I examine my report, Ive noticed Experian, XXXX, and XXXX has been furnishing my transactions and/or experiences between I and the person/creditors making the report. 
No consumer reporting agency XXXX make any consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 U.S. Code 1681c. As I examine my report, Ive noticed Experian, XXXX, and XXXX furnishing collection accounts on my report, and also charged off remarks. 
Furthermore, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit transaction that is not initiated by a consumer. As I examine my credit report, there are unauthorized inquiries furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

Equifax ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA. 

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
Product: Debt collection

My mother financed this vehicle and I am the co owner of this vehicle. My mother passed away and I fell behind on her payments! They came to confiscate the vehicle and I was able to pay the amount owed to get the car back! I now still make monthly payments and they are reporting this vehicle to my credit every month as a collection for the past year which is affecting my credit score!! I called and they told me they will continue to report negatively on my credit until I pay the balance of the car off!