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

I've been a victim of identity theft due to the XXXX data breach, and I never authorized them. 
XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$1800.00} DP OF EDUC XXXX Balance Owed : {$2100.00} DP OF EDUC XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX stating my Citi Bank XXXX XXXX had been compromised. 
Their web address is : XXXX Their telephone number is : XXXX. 
They asked me to confirm my account and I did. 
It asked me my credit card number, the expiration date, the XXXX digit security code on the back of the card, my Mothers Maiden Name and my entire Social Security Card Number. 
Me thinking this was a genuine text message from Citi Bank regarding my XXXX card with them. 
XXXX buying a home and I do NOT need anyone obtaining credit cards in MY NAME with my entire personal information! 
Please DO NOT APPROVE any credit card applications on my behalf on any and all requests for credit cards in my name!

Please help me!!! Im about to have a XXXX XXXX regarding this fraudulent text message. 
Now, anyone can obtain a credit card in my name now and forever!!! 
Please STOP this incident immediately!!! 
My cell phone number is : XXXX. 
Thank you and I am looking forward to your response. 
Very truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any contin
uation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted
immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Student loan

Navient has been harassing me and my co-signer grandmother whos XXXX and In a XXXX XXXX  and threatening legal action against her even though my account has been in forbearance for most of the last two years due to Covid and reduced income. They have called and sent letters incessantly, so much so I got a new phone number. Now they call me on a number I never gave them, and called my mother recently- telling her to make a payment when shes neither on the loan or a co-signer for the loan!!! they should not and did not EVER get permission to contact her let alone find her information however it is they did that. I have no idea how they got her number or my new number.
Product: Mortgage

On XX/XX/XXXX I was laid off by XXXX XXXX Mortgage as a mortgage underwriter. I contacted PHH Mortgage ( my mortgage holder ) on XX/XX/XXXX and began the process for a loan Forbearance which is my right. I uploaded all required documents on XX/XX/XXXX except for proof of my income from unemployment. This was delayed as I had just been laid off. I then uploaded the final required proof of income on XXXX. I contacted PHH multiple times and logged on to their system almost daily to follow what is needed. I was then told they cancelled my application due to its incompleteness. This was their error as the final unemployment document was uploaded on XXXX. After several phone calls and e-mails they re-activated the application and sent notice of that on XX/XX/XXXX. It is XX/XX/XXXX and I am still waiting. I received a letter today ( only after I sent further correspondence requesting a status ) that states " The application is currently complete as of XX/XX/XXXX, and we do not require any additional documents at this time to evaluate the request for help. ". On attached correspondences it states " We will review the account for all possible mortgage assistance options. Under applicable law we are required to complete our review within 30 calendar days from the date we determined the package was complete.. '' - It is WELL over 30 days. Each and every verbal contact made has ended in my extreme frustration. The contact for XXXX is NOT the same company that underwrites, receives or reviews ANY of the documents uploaded so they have NO information but they continually ask for money and frustrate me beyond belief. I make them confirm the phone calls are recorded so that in the event I need to seek legal action they will show just how infuriating it was to deal with the contact people. They admittedly could never answer a single one of my questions and would not provide me with an underwriting contact. They are EXCELLENT at apologizing and telling you they will escalate. Nothing ever happens. I would love for the all the recordings to be reviewed. I have receipts of all uploads, e-mails and phone calls.
Product: Debt collection

I received a call from XXXX stating I needed to be at home within an hour to sign court documents and if I was not at home they would go to my place of employment. I spoke to XXXX XXXX who said I need to contact him before XXXX Pacific Time to provide them with my debit card if not they would proceed with criminal charges on an installment loan from Check N Go from about 4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not contain any late payments whatsoever : 1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.
Product: Debt collection

As of XX/XX/2023 the Consumer Finance Protection Bureau along with the XXXX major credit companies including agreed to no longer show medical debt under {$500.00}. It is now XX/XX/XXXX and this debt still shows on my credit report. The account I am disputing is a medical bill under {$500.00}
Product: Checking or savings account

Had a legit XXXX deposit deposited into my account. For days it sat as a ledger balance instead of available balance then suddenly bank decided that it was no good sent it back without telling me. Other issue is connecting bank with other apps. PNC will let a few go but the majority its stopped it from linking up
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.
Product: Vehicle loan or lease

In XX/XX/2022, I returned the vehicle voluntarily due to COVID 21, we lost the economic income, until the date of the voluntary surender of the vehicle, the amount of {$7500.00} was paid monthly, which is not included in the bank report, ( the reported amount is incorrect ), which does not include correctly the amount of the Sale for the vehicle repossessed by the organization / bank, the amount is {$8900.00}
Product: Checking or savings account

Suspicious of fraud Debit on XXXX eft {$250.00} XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My husband signed my name for a loan in XX/XX/2017 via online I just found out about when they called about a payment. I did speak with them and asked how was I added to a loan XXXX loan that I didn't sign for nor did I receive any of the money. USAA told me as long as he have the last four of my ss # he could add me. At the time I did not have a USAA account.
Product: Debt collection

I keep getting letters from different collection agencies. I do not have a contract with this company sunrise credit services. Therefore they have no right to try to put an account in collections when I do not have any contracts with this Company. This is illegal. There is NO contract.
Product: Money transfer, virtual currency, or money service

Sent money to the wrong recipient via Zelle multiple times in 2020. I was not able to get the money back on separate occasions. Banking with XXXX and XXXX.
Product: Credit card or prepaid card

I reported my credit cards as stolen. I called citi bank as soon as I was aware of the theft. Cards are in my office desk drawer and the office was closed due to Covid so I didn't know they were gone as quick as I would if the office was open. At my call they told me they would send me the paperwork and a new card. This never happened. I called them several weeks later because I was getting calls from furniture companies where someone had used the card in my name to order. I called citi again to tell them the card was still active and not to process it. I was informed they could not speak to me because I didn't have a code. I tried explaining 4 times that someone had stolen my cards, I had filed a police report for all the missing cards, not just there's. They not only mailed the thieves a new card, but the dispute paperwork. They refuse to talk to me and continue to allow someone else to run up bills I am sure they have no intention of paying till they max out the cards. Because I don't know the code I can't cancel the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is supposed to allow consumers to freeze and unfreeze their credit reports to third parties at the consumers request. Their entire process is robotic, impersonal, and incapable of following through on this mandate. Their system routinely misidentifies me and will now not allow me to unfreeze my credit. Both Experian and XXXXn have web based services that work efficiently and well. Experian 's " service '' if you can call it that, is rife with inefficiency, lack of accountability and onerous demands on the consumers that will take hours to put together and days or weeks before Experian even gets around to the request. As far as I'm concerned I don't trust Experian with my information let alone their ability to keep it accurate or safe. In my first attempt to freeze my credit they required " proof '' sent via USPS while denying my freeze request on line. A week and a half later I recieved an answer from them saying they couldn't honor my freeze request because they needed more information, then asked for the very same information I'd already sent. To top it off they included in the letter a full picture of my complete credit information. In effect they did not yet believe I was who I said I was and yet they sent me a complete picture of my credit. This organization can not be trusted with our sensitive credit information, period! To top it off they also sent me a pin number to use which when I did was REJECTED! It is amateur hour at Experian
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  Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 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: Credit reporting or other personal consumer reports

In accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights 15 U.S.C 1681 section 602A, 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received mail from One Main Financial stating pre qualified loan vouchers. I indicated on my application that I had no vehicle for use for a title. I submit my application they stated I was approved for a secured loan and needed car title, its misleading because on my application I put I have no car. I call the location on XXXX in XXXX Fl and the representative stated to herself not sure why they asking for it, if you put that on your application. I feel I need to be compensated and credit reporting need to be removed due to misleading information n I told them no car at all on my application. Thank you
Product: Payday loan, title loan, or personal loan

XX/XX/2023 ( the most pertinent among other calls ) Spoke to a representative of EnerbankUSA concerning problems trying to pay loan for an air conditioning unit. I can not get any accurate information on 1. If a payment has been received.

2. How much principal is left on the loan 3. Missing payments.

I can not get any of this information online with my account, on the phone with a representative, or from the statements sent. 
I also got a bill for payment not going through and I can not get any information about this transaction except it was not accepted. This bank, EnerbankUSA apparently works through another bank called XXXX that sent me a payment not valid. I called the number on the bill and it is out of order. It is terribly difficult to pay a loan off if you can not get any information on 1. If a bill has been paid 2. If a payment has been received 3. How much I have paid in total 4. How much is still owed Or if I do get information it is absolutely wrong according to my bank statements. I will not send this lender my bank routing number, I only write checks because I saw they had been sued for secondary lenders taking money illegaly out of peoples bank accounts. 

I was also told a representative would get back to me with 48 hours of XX/XX/XXXX and I never got a call
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a delinquent account report sent by Capital One ( twice in XXXX and twice in XXXX ). They Reported it 4 different times. When I contacted them, they said they had no record of these reports and that the account has always been in good standings. When I asked for a letter or email stating that, Capital One said that they could not provide me with that. They told me to contact the credit bureau and report it.
Product: Credit card or prepaid card

This is a complaint against Citibank for their Mastercard credit card for which I am being charged excessive late and interest fees. Also on speaking and trying to resolve the issues with the company representative XXXX ( on XX/XX/XXXX at XXXX ET ) and then escalating to his manager XXXX at XXXX ET they refused to provide me with information as to whom I could file a complaint to, about my being over charged fees. XXXX ( Supervisor ) also suggested I contact the Better Business Beaureau instead of the CFPB as required by law. Specifically my payments are due every 2nd  day of the month, however due to travelling and the holidays for the month of XX/XX/XXXX ( payment due XX/XX/XXXX ) my payment was made on XX/XX/XXXX and processed / credited to my account on XX/XX/XXXX. Citicards then charged me a {$25.00} late fee as well as {$51.00} interest charge, because my payment was 1 day late. Attempts to call and have these charges removed were rejected and Citicards  refused to provide me with any information as to how to file a complaint to any regulatory agency. I have been a 15 year Citicard holder with a history of paying all my balances on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my credit report with TransUnion on 5 separate times - each time I get an error message that their web site is experiencing difficulties and I need to check back again another time to place freeze on account. Each time I attempt to CALL TransUnion their phone system is so bad I get disconnected ( 5 times!! ) What steps can I take to FREEZE MY CREDIT REPORT with TransUnion?? 

I have had NO PROBLEMS doing this with XXXX or XXXX - ONLY TransUnion - what a nightmare!! 

They collect more information from you and then claim website not working - is their company even TRYING to help consumers? Is their website HACKED TOO? 

Why can I NOT access ANYONE at TransUnion to get a CREDIT FREEZE????
Product: Vehicle loan or lease

XX/XX/year> while taking care of parents in XXXX XXXX XXXX while in my spouse car I came out and car was gone called police I thought it had been stolen they told me that it had been repo and repo company had not notified them till later no payment was due and not notified about it till I called Mike Carlson motors to tell them they notified me then there was personal property in it never received any paperwork detailing why it was repo On credit report shows good payment after the repo I feel this is a illegal repo for no reason
Product: Debt collection

XXXX XXXX v synchrony bank I havent used the synchrony bank care credit account since 2009. 
I just noticed that all of the sudden I have an amount due from synchrony bank, which is now past due on my Credit Report. I am disputing this debt because I havent used this card since 2009 and am perplexed as to why there is even a balance all of the sudden after all of these years. The reporting is in accurate and it is causing me damage right now because I am presently obtaining a mortgage for a new home purchase. My lender has indicated that the in accurate reporting from synchrony bank is causing my rate to jump one percent up which over 30 years is over {$100000.00} in additional interest I am going to incur. Additionally, my closing costs on this matter are now in excess of {$4000.00} and because of the new Mark I will no longer be receiving a {$4000.00} credit but now will have to come up with {$4000.00}. I am requesting that synchrony bank delete this inaccurate portion from my credit report. I am requesting no telephone calls from synchrony bank and revoking consent for them to contact me in connection with the debt or its reporting. Any phone calls I get form synchrony are not desired and in the event synchrony bank does contact me I am requesting that they not record my telephone call or use any pre-recorded dialing systems ( calls or sms ). Furthermore, I am also represented by an attorney, but no lawsuits have been filed. My representative had been trying to get into contact with them and the simply do not respond to resolve this matter. I do not know why I must spend so many countless hours trying to fix this their mistakes it is causing me a lot do XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that not giving consent is the same as committing identity theft : XXXX XXXX Card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.