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

Formal incident number equifax XXXX my info was in a recent breach and past breaches I just recently found out about and my life the past few months has been kinda XXXX XXXXXXXX XXXX and interfering with my life in know sign ins multiple thing call me I can explain to much to type please contact equifax regarding my calls from XXXX  and XXXX also the same dates for XXXX also XXXX with tracfone my XXXX phone kids life has been compromised my calls are routed to the scammers I found my infos been pasted? 
Call forwarding scam/mirroring scam my XXXX and XXXX been hacked and they changed my passcode locked me out Im being to XXXX XXXX to see what happened I have recording of the calls because after it happened a few times I then started to recorded and let them know when they were trying to get me to disconnect the call or when they would start acting funny I would press the record button then they would follow through but after getting off the phone Id be locked out of my credit accounts XXXX and equifax, XXXX have recordings I have so much thats just unexplainable
Product: Debt collection

{$180.00} will br collected by Cavalry SPV I , LLC, the charge is a fraud charge put on my XXXX XXXX XXXX card. The balance is sold to Calvary SPV I, LLC by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize having any agreement with enhanced recovery and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with enhanced recovery .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Product: Credit card or prepaid card

All the sudden my account was frozen and XXXX took all my money out of my account. 
I called to try to resolve they said they would only take the lump sum. I was never served papers
Product: Checking or savings account

Our US Bank Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX US Bank had a security breach where someone got into our US Bank checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This US Bank Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that US Bank ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i would not have let that happen. XXXX broke our agreement The CARES Act. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID 19 crisis. I made an agreement with XXXX XXXX for payment relief before i fell behind the CARES Act Requires that the creditor to report your account as Current and good standing
Product: Mortgage

This ordeal started back at least 8 years ago. J. P. Morgan Chase offered me a loan modification ( during the time I was going thru a XXXX XXXX and death of my brother ). After they offered the loan modification, and after I filed all the necessary paperwork for a possible loan modification with Chase Mortgage, they illegally foreclosed the property, running away the tenant in the property. After I made several complaints, etc., Chase decided to purchase the property back from foreclosure. They did a reassignment including my name on the paperwork at the Courthouse approximately 4 years ago. For the last few years, they have been updating paperwork for the last 4 to 5 years. Recently, I was told that they could not do a loan modification for me. They told me my only choice was a short sale, or a deed in lieu. After talking with Chase, I agreed to a short sale. I am realtor, and I was planning to complete the short sale myself, then they came up with the idea that I can not be compensated for this transaction. After this, I asked to be compensated for all of the years of loss of income, all of the repair money that I invested into the property, and for Chase illegally foreclosing on the property. They have gone back and forth, and not agreeable to compensating me for anything.
Product: Bank account or service

Navy Federal Credit Union froze my accounts and told me several untrue statements in regards to my account ( checking and credit cards ) so I decided to file a bankruptcy. The statements they told me were untrue and caused significant harm to my credit and life.
Product: Credit card or prepaid card

Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. 
As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? 
I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. 
Capital One advertises a XXXX XXXX XXXX program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.
Product: Checking or savings account

I have been charged so many overdraft fees over the past two years ; its insane, like my account will have enough money in my account, but the bank will be slow at processing, or they will make a mistake, as a result charging me an overdraft fee. Its awful and puts people further into a hole. I have been charged over {$1000.00} in overdraft fees and everytime I call the bank tells me that nothing can be done. It is so unjust that banks can do that. I have attached how many overdraft fees I was charged in ONE MONTH alone.
Product: Debt collection

Multiple calls per day to my cell phone, my husband 's cell phone, and my job. Calls from " Unknown '' or " Unavailable '' in an effort to disguise who they are.
Product: Debt collection

On XX/XX/2018 I paid Capital One {$220.00} for a previous balance owed from many years ago. Afterwards I received a confirmation letter from Capital One dated XX/XX/2018 stating the account was complete and settled. 

My problem is the derogatory mark continues to show on my credit report as of today XX/XX/2018. The Amounts Owed category makes up 30 % of a credit score as a result this mark is keeping my score low. It doesn't look favorable to future lenders. 

This was paid over 6 months ago. I am asking please delete this completely so it doesn't show on my credit report at all. I need my score to increase for future business plans. 

Best regards,
Product: Vehicle loan or lease

I dont remember the years I think XXXX XXXX. I paid my bankruptcies on time all those years and they were reviving them through the court. XXXX my son got killed in a vehicle accident not this vehicle. But anyway we called for them to come get it we had hardship they didnt wan na hear it and still dont. All I want is for this to be removed from my credit and the case be closed. They would not do it.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXXXXXX 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 XXXXXX/XX/year>
Product: Debt collection

Received an email about a new collection added to my credit report I find out Enhanced Recovery Collections for s trying to collect on a false and fraudulent debt. I had previously told the prior debt collector listed in my account the same thing that this is not my debt. They sold it to ERC. I have been in contact with the original debtor listed T-Mobile and they could not find any records on this debt. Plus the debt is well past the federal statute of time limitations. They expect {$390.00} out of me but, will get {$0.00} for a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my husband and I went to chase branch to open a joint account. The woman that helped us had no problem opening our account and we deposited two checks into our new account for a total of {$690.00} and {$530.00}. 
Our account was closed on Monday XX/XX/2020 I have yet to receive a notice that my account is being closed and the only reason I know is because the app restricted my access. When I called Chase countless time for answers everyone was incredibly rude! No one told me when I would receive my check, why my account is closed, and what is happening? I was told I would receive my money back in 7-would days! Its been more than that my family and I are missing over {$1000.00} chase was incredibly rude and all I want now is my money back!
Product: Debt collection

I recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card
Product: Debt collection

The Spelling of my name listed is incorrect. I have never used the variation provided. XXXX all the names listed. My full name should be listed only as : XXXX XXXX XXXX SEE ATTACHED DOCUMENT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and 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 XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX is still reporting on my report XXXX dollars submitted identity theft reports XX/XX/year>, XX/XX/year>, XX/XX/year> no response. 

Mercedes Benz Financial XX/XX/year>, XX/XX/year> and XX/XX/year> sunmitted identify theft reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response from my complaint to you submitted on XX/XX/XXXX. I received your results and you did not provide any method of verification. Who did you speak with at the companies? What date did you speak with them? What is their telephone number and address? Provide disclosures between me and the companies of me giving them permission to report to my credit report. I have a right to privacy on my consumer report according to 15 USC 1681 ( a ) ( 4 ) and any company reporting my information without my consent is in violation. Accounts I am inquiring about are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was completely set and satisfied with XXXX as my service provider. My monthly payments were affordable on the save plan. Out of nowhere, Im moved over to Mohela with ZERO correspondence. Mohela dropped my from the save plan, is charging me 4x my original amount, and refuses to answer me calls and emails. Id like to have this set back to how it was and be placed on administrative forbearance until sorted out. Completely unprofessional service from. Mohela.
Product: Credit card or prepaid card

I noticed an unauthorized charge on my citibank double cash credit card for {$85.00} made on XX/XX/2019. I called citibank on XX/XX/2019 and informed them that this charge was not made by me. They gave me a conditional credit for the amount but on XX/XX/2019 reversed this conditional credit and is forcing me pay for the fraudulent charge, even though it was clearly made by some other person based on the documentation. Their website proudly states : {$0.00} Liability On Unauthorized Charges. ( https : //www.cardbenefits.citi.com/Products/0-Liability-on-Unauthorized-Charges ) This is clearly not the case with citibank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} Unauthorized Inquiries : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I sent you a certified letter to RS Clark and Associates , Inc. requesting that they validate an alleged debt they are reporting on my credit reports, however, they have completely ignored my letter. On XX/XX/XXXX, I sent them another certified letter ( Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), they still have not replied to my. They have failed to legally validate this alleged debt. 
This is damaging my reports and have caused me thousand of dollars in interest and continues to do. 

I am requesting that they remove this tradeline from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

There are names on my account and addresses on my account that's incorrect and I have asked them to dispute it and it's still there.
Product: Debt collection

I made a payment of {$24.00} to Diversified Consultants on/around XXXX/XXXX/XXXX over the phone. No action was taken until XXXX/XXXX/XXXX when they withdrew {$630.00} from my XXXX XXXX XXXX Bank account resulting in my account going negative and accruing an additional {$30.00} fee from the bank. When I called Diversified Consultants and asked for a refund they declined with hostile treatment.
Product: Debt collection

XXXX XXXX of Insight Management Partners XXXX XXXX ) keeps calling my mother, gives her specific information of why he is calling, that he is a debt collector, how much I owe, who I owe it to, when I last made a payment, and that if I don't respond to him they are filing suit against me. Most recent calls to her were on XX/XX/2020 and on XX/XX/2020. I do not share my personal business with my mother and they have no legal right to share this information with her. My mother and I do not live in the same state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX  # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XXXX XXXX, 2022 {$9400.00} Open balance XXXX XXXX XXXX Original creditor This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
Product: Debt collection

. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXXXXXX 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