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

RE : XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX keeps Refusing to delete old obsolete Addresses I pulled a copy of my annual credit report and saw that there are 7 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an address that I have never lived at. I believe this is identity thief. They are putting utilities in my name. 



Dear Representative, I pulled my credit report using annual credit report ( XXXX XXXX XXXX ) from all three of the credit reporting agencies. When I received my report from XXXX and XXXX I notified that they were not deleting my old addresses as I asked them to. They are continuing to report my old addresses in the file. I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but XXXX and XXXX is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. It is clear that XXXX and XXXX doesnt care about 100 % accuracy on my credit file. This is misleading my creditors and those third party that use the information in my consumer file. 

I am only asking that information on my credit report be 100 % honest and accurate which they have failed to fulfill. 

I look forward to your reply and assistance on this matter. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Product: Checking or savings account

Wednesday XX/XX/XXXX I got card activated. Used it a couple of times then on XX/XX/XXXX I called back and they say they cant verify my phone number. XX/XX/XXXX called back again same thing I cant verify your phone number call from a different phone. How is that gon na help you want me to verify the phone Im using but call from somebody elses phone. I want my XXXX out but they want let me touch it to withdraw
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX, Account : # 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, credit repair services, or other personal consumer reports

i have contacted all 3 agency in regards to this debt from security credit services, this was supposed to removed of my credit. i dd contact XXXX XXXX XXXX in which they investigated and sent me a letter they are removing the derogatory information off my report with the bureaus. as of XX/XX/20 XXXX score was XXXX, and it went down to XXXX due to this false info and im not sure what is going on but it seems that my XXXX score just jumps all over the place and nothing has changed but i have been disputing all the false info on my account again, some of the items on my account are old and fraudulent, and are still reporting derogatory and there not even my accounts, i need help these have been causing issues since XXXX. i have sent information that has been requested as well as police report.
Product: Debt collection

Dear CFPB Team, In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX, this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called XXXX numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, XXXX denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to XXXX 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.
Product: Credit reporting or other personal consumer reports

XXXX I noticed portfolio recovery reported I had a credit card balance with XXXX XXXX I submitted a dispute through XXXX XXXX and called portfolio recovery. Portfolio recovery said I had open a credit card in California, I explained I lived in northern Idaho and had no knowledge of this account. The representative starting rambling off all charges made on this account, so I ask if I could get a copy of signatures because I know its not mine. He said no because none of the purchases required a signature. So I asked for proof of payment again I was told no. Ive filed complaints XXXX times and nothing has come out of any. This is not my account and Im receiving no assistance having it remedied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Amount past due {$570.00} XXXX XXXX 15 USC 1692 ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states thatXXXX : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX )
Product: Payday loan, title loan, or personal loan

When I was younger I was contacted by JG Wentworth and sold them my structured settlement. I was mentally unstable and made this decision carelessly. I sacrificed alot of money to get a lump sum and regret it everyday. I was supposed to receive XXXX dollars a month until I turn XXXX so they are still collecting my money.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged DPT EDXXXX - XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

I had requested a payoff and paperwork back in XXXX and never received-I have disputed fees, amounts and have not received a full paperwork trail from the time loan was opened which they should have records of. I need this information for my attorney asap and keep getting runaround. Amount listed on payoff on previous complaint doesn't match recent statement-amounts keeps varying by thousands every month and it appears to be fraudulent.
Product: Debt collection

I have been trying to fix my credit for years. I have paid lots of money to credit repair agencies and my credit is still an issue. As a regular consumer who doesnt understand how to fix my creditit becomes very overwhelming! I am trying to buy a house a call and even opening a simple checking account has become difficult. Due to circumstances I no longer have dates, amounts etc. I do know there are charge offs with balances and debt that has been on my credit report longer then XXXX yrs that continues to be sold to third party companies. Please help me gain my creditworthiness back.
Product: Checking or savings account

Called XX/XX/year> to do an ACH to send money from Ally Bank to my XXXX. Ally couldn't send me a code through phone so they failed me and said a specialist would call. Never did. Got in online OK but & got a code through messaging but prefer to not do this way & want to talk to a person due to cyberfraud in the past. Called today and a specialist said she fixed the problem and re-connected me with someone to process the request-NOPE. This time the associate told me that a specialist needed to call me back. In meantime I decided to pay the credit cards due ( $ totalling {$25000.00} for debts my brother left me when he died. ) I then wanted to get online with Ally to see if anything pending from the credit cards and THE ACCOUNT IS FROZEN!! I called Ally back and then said they can do nothing and the specialist would call me back. They could not even tell me if the credit card payments would go through ( this was after answering 5 additional authetification questions since the phone messaging system while on hold with an Ally associate nor could they transfer me to Fraud Department to verify there was an official Fraud Freeze on my account. I am currently on hold again for 40 minutes so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

random inquires popping up from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus XXXX, Equifax, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of resolution.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquired on my credit profile that I would like removed. According to the FCRA these unverified / unauthorized items must be removed they are unauthorized and are negatively impacting my credit profile and have no permissiable purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX
Product: Checking or savings account

On XX/XX/2020, I opened an account with Santander Bank. I found a promotion on the internet stating that if I electronically deposited {$1000.00} or more within 90 days of opening the account, I would get {$220.00}. The promotion stated that the {$220.00} would be deposited to my checking account within 120 days of opening the account. I deposited {$1000.00} via electronic transfer on XX/XX/2020. It has been well over 120 days and I have not received the money.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX keeps reporting this inaccurate and account not mine in my credit report!!!! They keep removing when u dispute then adding it back. Needs to be removed permanently
Product: Credit reporting, credit repair services, 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 FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 tenacious rebelliousness XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested method of verification from Lexis Nexis for inaccurately reporting a bankruptcy # XXXX. I was told by their rep that they call the court and the court verifies that information. Upon telling them the court said they dont verify ANY of that information they insisted that they called again and got the same response and was also told I would need to show proof. I then sent proof to Lexis Nexis via email in form of a letter I received from the court house stating they dont verify that information and they sent an email stating they received my letter from the court.They also asked if I had a FTC report and I started to send it to them. My thing is why are they asking for anything further when I have already sent them a letter from the court which would be the FURNISHER of the information??? The burden of proof is on them. I also asked for VALIDATION which means they should be able to provide proof in form of an original contract, promissory note, or some documents with my original signature which they cant because they would have done so by now. According to the CFPB and the FCRA they are violating my consumer rights. They continue to falsely report this bankruptcy on my file and its hendering me from obtaining credit.
Product: Checking or savings account

On Wednesday XX/XX/XXXX, Capital One suddenly put a freeze on my account for suspicious activities. I called them and after an hour, was told that I had accurately verified everything and the freeze would be lifted. however, they never lifted the freeze and I have spent over XXXX hours on the phone with various customer service people and no one knows how to lift the restriction from my account. They tell me the restriction should not be hapening and the problem is on their end, however they have denied me access to my funds. I have bills to pay, taz payments to make and can not do any of that. This is causing me financial penalities, along with professional embarrassemnt and emotional distress. Overall, response from Capital One staff is unsympathetic and cold.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account XXXX XXXX : account number : XXXX
Product: Checking or savings account

Chase Bank - Breach of contract We are including part of the evidence in this document as Chase bank continues to refer prior withdrawals to try and cover-up. 

On XX/XX/XXXX at the Chase branch on, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX At approximately XXXX XXXX  as the video will show, we walked in and requested a withdrawal - which was denied by the branch, and I was told by both the Teller and Head teller they were not able to provide me my money. This is most likely due to the complaints I have had with Chase bank and their practices. prior. This caused a tremendous pain and suffering as I was not able to withdraw much-needed cash. 
We have given Chase Bank ample time to atone for the breach of contract, even after admitting over the phone they continue to state a different date of withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports from XXXX XXXX, XXXX and Equifax. after reviewing all three credit reports ; there is a collection from XXXX XXXX XXXX MO for the amount of {$680.00}. XXXX XXXX XXXX MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT 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: Checking or savings account

My previous landlord forged a check in the amount of XXXX XXXX dayed XX/XX/2022, waited to cash it until XX/XX/2022. I moved out on XX/XX/XXXX and they have my security deposit of {$950.00} irregardless, they do not have the right to forge my signature. My bank is Capital One and they said that they will not refund me the money despite the fact that I submitted proof that i moved on XX/XX/XXXX, to a town over 4 hours away because I have written previous checks to XXXX XXXXXXXX ( previous landlord ) Its forgery and i need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

Hello I have a car title loan threw wheels financual re XXXX XXXX its my 2 loan did '' t realize that it says in this web site that there only suppose to charge no more then 35 % intrest rate .and there charging me a 134 % int rate .my last loan was 199 % int and so since i paid off my other loan total pay off was {$17000.00} dollars yes crazy so they send me this letter to my email saying that Iam a prefurd customer and they will give me another loan for higher amount at a lower A.P.R rate .they denied that they sent me the notice.so they taunted me with this to give me this loan witch i fell for.is there anything i can do about this.Its just not right that they can take this much for a {$2500.00} at 199 % A.P.R. and if you make a payment early they still want another payment on the payment date or they will reposse.
Product: Credit reporting, credit repair services, or other personal consumer reports

score after trying to have things off credit report requested old address information be removed from my credit report and I ended up losing XXXX pts. And suspiciously my info ws compromised on the dark web at th same time my inestigations were closed I dont feel they asked for more information. never gave me specific details of te typ of info you provide them.THis was a waste of my time and severely harmed my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not made aware that I could opt out
Product: Checking or savings account

On Friday XX/XX/XXXX I deposited a check via the Huntington Mobile App. I knew there was going to be a hold put on the check because this was the first time presenting this check. By Monday the XXXX I was unable to log into my account via my phonemy account was totally blocked. I called Customer Service and was informed that the bank couldnt verify the check and it was being reviewed by the Fraud Department. 

I received an email from the bank that the Hold was Released and the funds were available. I drove to the branch and was informed that I could not withdraw my money and I needed to speak with a branch manager.

I went home called Customer Service and requested a Supervisor. I was told that I was a high risk and they were ending their relationship with me and the check was still being reviewed by the Fraud Department. I was told that any direct deposits would be returned. 

I do not understand why this happened. I contacted the company that sent me the check and they are going to void the first check and re-send me another check. 

I do feel that I did anything to be treated this way??? The bank can black ball me and mess up my credit history with false accusations of fraud. I really need HELP. I have been treated unfairly and my money is being held up so that I cant pay my bills.