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

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Im reaching out to clarify and resolve ongoing conflicting information regarding my welcome bonus. When I applied for the Platinum card in XX/XX/year>, I was informed that my welcome bonus would be adjusted to XXXX points due to my existing AMEX card ( a Blue XXXX card, not a XXXX  card with the {$690.00} annual fee ). Based on this assurance, I proceeded with the application. 

After meeting the sign-up bonus eligibility criteria, I followed up with AMEX customer service in XXXX. They opened a case but never provided an update. After additional follow-ups, I was assured in XXXX that I would receive the bonus since I have never held a XXXX  card before. 

Subsequently, I raised a complaint with CPFB ( Reference No : XXXX ). However, AMEX responded with inaccurate information, claiming that I was informed at the time of sign-up that I was not eligible for the welcome offer, contradicting earlier assurances and at the same time, regretting past miscommunications. 

This inconsistent communication from AMEX has been ongoing since the beginning, creating unnecessary confusion and frustration. I would greatly appreciate your help in thoroughly reviewing this case and ensuring that the promised welcome bonus is honored. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Bank account or service

I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed. 

In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase. 

I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider. 

I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ). 

As of XX/XX/2016, I received a letter from BMO Harris denying my claim. 

Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department. 

When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do. 

If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that day.
Product: Debt collection

As soon as the payment is a day late, they are repeated calling and leaving voice messages on my phone. When calling Conn 's and giving my phone number, they stated that my phone number is not associated with any account. They were informed to stop calling my phone and leaving repeated messages.
Product: Checking or savings account

So I put in a request to close my checking account with Chime on XXXX XXXX and was advised it would take up to 12 hours. Well after the 24 hours I contacted the company and they did not reply so another 24 hours later I contacted them again with no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a removal of any eviction record associated with my name which I believe is inaccurate or unjustified. 
XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ) I have the right to dispute any inaccuracies in my consumer report I believe this eviction is erroneous for reasons I never lived at apartment in question. I request you investigate matters and remove any and all records associated with my name from your records and data base.
Product: Prepaid card

Dates : XXXX XXXX XXXX XXXX XXXX XXXX  Ive contacted Direct Express many times to inform them that I am unable to make purchases with my card. My card is being declined everywhere when there is in fact money on there. They arent trying to help me at all. The agents are rude and hang up in your face while telling you that they cant help you. They have you on hold for at least an hour claiming the reps are busy and this is absolutely ridiculous! I am furious!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I believe Chase is violating federal law in how payments are applied. According to the Credit Card Act of 2009, lenders are required to apply payments in excess of the minimum payment to the balance with the highest interest rate first. This hasnt happen in my case. I have a balance transfer balance of 0 % APR and while I know purchases carry interest immediately, I made payments each time after those transactions posted. Customer service explained to me that payments are applied to the statement balance first before other transactions. That means its not possible to pay off high interest transactions while a balance is carried until after the monthly statement is provided? The law doesnt say anything about statement balances in payment allocation. No other bank does it this way. Ive used other credit cards with different balances and never had this issue before. It started with a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, and a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX The last statement shows a purchase balance of {$360.00} that should be close to XXXX. I was charged a {$7.00} interest charge the last couple statements that Ill like credited back.
Product: Credit reporting or other personal consumer reports

( MY PHOTO ID SHOWS MY OLD ADDRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT LIVE HERE ANYMORE. I WILL UPDATE MY PHOTO ID TO MY NEW ADDRESS AS SOON AS POSSIBLE TO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI HAVE DISPUTED SEVERAL ACCOUNTS THAT ARE INACCURATE ON MY CONSUMER REPORT. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE, AND 3 ACCOUNTS ARE ALSO PAST THE STATUE OF LIMITATIONS AND PAST THE STATUE OF LIMITATIONS FOR COLLECTION IN MY STATE. THESE ARE CLEARLY VIOLATIONS OF MY RIGHTS UNDER THE FCRA. THE ACCOUNTS ARE INACCURATE, UNVERIFIED AND MUST BE DELETED OR I WILL HAVE TO PURSUE OTHER AVENUES TO BE COMPENSATED AND HAVE THE ACCOUNTS DELETED FROM MY CONSUMER REPORT IMMEDIATELY. DELETE THESE ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN THE 3 CRA 's & LATE PAYMENTS IN THE PAYMENT HISTORY. THESE ACCOUNTS ARE NOT LATE AND MUST BE UPDATED TO PAID AS AGREED. PAID ON TIME IN THE ENTIRE PAYMENT HISTORY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We continue to receive calls from a 2010 alleged debt from XXXX for XXXX. We received a refund check from direct tv when our account was closed. We have received calls from several different collection agencies regarding this same issue. We have asked for substantiating documentation and have not received it from any of the calls that we have received. I have told each of them that this is harassment until they can provide documentation for their claim ... we are at out wits end with what to do ... We have excellent credit an pay what we owe ... We do NOT owe this and I am not paying but I cant seem to get the calls to stop ... currently the company calling us is IC System XXXX. XXXX XXXX XXXX XXXX MN XXXX phone XXXX claim no XXXX PLEASE HELP!! How can I file a harassment claim against this co who prob purchased what XXXX XXXX could not provide documentation for at pennies on the dollar and continue to sell it to other collection agencies that continue to harass us ... Any assistance would be greatly appreciated
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. 

Description of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. 

Failure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax XXXX XXXX & other reporting Agencies that XXXX for them report my name as XXXX XXXX XXXX XXXX / XXXX XXXX but it should only be reported as XXXX XXXX XXXX and I have never been given authorization to use these spellings or information in anyway.. 

XXXX XXXX on XX/XX/XXXX Hard Inquiry Address XXXX XXXX  XXXX / NOT AUTHORIZED XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX hard inquiry on XXXX, XXXX XXXX was NOT AUTHORIZED ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX NOT AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, CA XXXX {$550.00} XXXX XXXX Type/ Derogatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed Also XXXX, Equifax, XXXX all report addresses & employment info such as the following informations were never authorized for usage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Which they WERE never given AUTHORIZATION to use
Product: Checking or savings account

I opened a cd with Barclaysus on XX/XX/XXXX and funded it with {$100.00} on XX/XX/XXXX. After the funding I had several issues accessing my account but did not really care since I had confirmation the account was set up and I was getting monthly notifications. I tried to sign in again today and could not log on. I called them and confirmed all of my information. They transferred me to their security team who told me the account was under investigation as fraudulent. She said they closed the account in XX/XX/XXXX and refunded my money. She also said Barclays spoke to me in XX/XX/XXXX and explained that I was scammed. She said the money was refunded to the account it came from. I received no call from Barclays in XX/XX/XXXX and they never refunded the {$100.00} to my bank account. I want my money back and if I was indeed a victim of identity theft, it seems like Im entitled to notification of that in writing.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.CXXXX XXXX Subject : Dispute of Collection Practices Midland Credit Management XXXX Inc. and XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection practices of Midland Credit Management , Inc. and attorney XXXX XXXX XXXX XXXX XXXX account with XXXX XXXX  XXXX I believe that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX have violated the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( c ), which mandates that a debt collector must cease communication with a consumer upon written request. 

Details of the Dispute : Collection Company : Midland Credit Management , Inc . 
Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Account in Dispute : XXXX XXXX, Account Number XXXX Attorney : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Nature of the Violation : I previously sent a written request to Midland Credit Management , Inc. and attorney XXXX XXXX XXXX to cease all communication regarding this debt. Despite this request, both entities have continued to contact me. This ongoing communication is in violation of 15 U.S.C. 1692c ( c ), which requires that debt collectors and their attorneys stop all communication once such a request is made. 

Additional, 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 state : no consumer reporting agency may make any consumer report containing any of the following items of information any other advises item of information, other than records of convictions of crime which antedated 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. b I request that the CFPB investigate this matter to ensure that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX comply with the FDCPA. Specifically, I seek the following : Verification that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX received my written request to cease communication. Assurance that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX will immediately cease all communication with me regarding this account. Any necessary enforcement actions to address and prevent further violations by Midland Credit Management XXXX Inc. and attorney XXXX XXXX XXXX. 

I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your assistance. 

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

XXXX XXXX XXXX is reporting a open collection status i called them XXXX t and asked to remove off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize for my credit to be pulled. I have tried to resolve this with the consumers but the customer rep. was not willing to help me remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Cedar Business Service is in violation of the FCRA. Creditor is in violation of 15 US Code 1681s-2 ( 1 ) ( A ), 15 US Code 1692b ( 5 ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), 15 US Code 1692d ( 2 ) ( a ), and 15 US Code 1692c ( a ) ( 1 ). I request the removal of this account immendiatly form my credit report. I would like a current update of my creit reort once issue resolved.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I am requesting Account Number XXXX to be removed immediatley because of the violations commited by Nartional credit Management in their communication attempts. National credit Managemnt is in violation of 15 US Code 1891s-2 ( 1 ) ( A ), 15 US Code 1692b ( 5 ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), US Code 1692d ( 2 ) ( a ) and 15 US Code 1692c ( a ) ( 1 ). I ask for the immediate removal of the account off from my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, the transactions I sent were not going through I had to do test deposits in which I called my bank after 2 days
Product: Credit reporting, credit repair services, or other personal consumer reports

my problem is with experian they keep taking from XXXX to XXXX points reepeately in the last 6 month or even before only issue i had was with a home depot credit card with $ credit limit which has been close with XXXX balance since 2019 take a moment and you will see that my credit history is excelent for the last 7 years this happened when i open another account with home depot and thought that my previous account with home depot merge into XXXX account and since i did not get invoice bill y did not make a payment for 1 or 2 months till i got XXXX and inmediatly took care of it pls some help my # XXXX call anytime or text email XXXX thank you