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

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I  recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XXXX after noticing my credit card accounts had not been updated in over 30 days. They were reflecting balances despite them being paid off, and I had the XXXX balance statements. These include XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All my credit cards have XXXX balances. On XXXX, I received the notification that the dispute investigation had been completed, and my credit score jumped up XXXX points. 

On XXXX, I received a notification that my credit score had dropped XXXX points. Several of the balances reappeared and the updated information from the dispute was gone. I reached out twice and no one could tell me what happened. They told me to open another dispute, but I do not want to be in this same situation a month from now and would like to know the reason why they removed the updates made as a result of my dispute the very next day after they notified me that the dispute was completed. They reverted back to the old incorrect balances without explanation, dropping my credit score by XXXX points, dispute my accounts still have a zero-balance. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft AMEX Account Number : -XXXX**** This is not mine.

3. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2018, GS Bank Usa., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced GS Bank USA, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, my crypto was hacked through coinbase and the hackers was able to made away with {$12000.00} without coinbase doing nothing, even when I try to lock my account when the hacking was going on, but still coinbase doesnt lock my account. The painful part of it was that the next day the hackers was continue to hacked my account after I reported to coinbase that my account should be lock. However coinbase is telling me that they cant do nothing to get me my money back then want block my account saying its my fault my account was hacked from their system they claim its security, Im getting to believe coinbase hacked my account and they are the one hacking people account or its must be their employees are the one doing it, because they know how to control your account and do what they what to do without you having no control or it at all, even after you reported it they will still hacked it anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : BK OF AMER XXXX Date Opened XX/XX/17 Balance {$4400.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

I used the Moneygram online transfer service since XXXX. In early XXXX, I was unable to make online transfers and directed to an in-store location. When I called Moneygram the representative said he couldn't tell me what the issue is and suggested I contacted you. I tried calling but there wasn't an option specific to my problem. 
I want to find out why I am unable to make online transfers with Moneygram.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  credit card XXXX  XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.
Product: Credit card

I opened this card in XX/XX/year> for the sole purpose of purchasing one item, paying it off afterward, and leaving the card alone/closing the account after. The purchase was made on XX/XX/XXXX, for an amount of {$130.00} for a XXXX XXXX XXXX at BestBuy. Afterward, as no minimum payment was due yet, I did not check on the account until XX/XX/year>. 

By this point, unrecognized and unauthorized charges from a store I do not visit ( XXXX ) in a city 40 miles away from my home ( there is another location for the same store 9 miles away ). These purchases were made in the amounts of {$2500.00} and {$990.00} on XX/XX/year>. The next day, XX/XX/XXXX of 2024, an additional purchase was made for a " dolly '' purchase in the amount of {$110.00}. I was not contacted for these charges. I received no call, no voicemail, no notification through any communication channels. 

After I saw these fraudulent charges on XX/XX/year>, I opened a dispute on the CitiBank BestBuy website for all of these charges. I searched for the card and could not find it, so I requested the customer representative send a new card and cancel the last card. I received the card ( and have not activated it as I do not intend to use it ) and I received no further information through mail, email, text, or call until receiving the final decision on XX/XX/XXXX, through the mail. The decision made was to continue to charge my account with these fraudulent charges. 

I called the security department at CitiBank on XX/XX/XXXX, at XXXX PST, to reopen the case. I was given the claim # XXXX and the number XXXX to submit additional evidence/documents. I was informed that the dispute was denied as the chip was present during the transaction. However, I have my timesheet record as well as my location tracking which shows that only went to work and went home those two days. I submitted those documents, but was unable to reach the security department again to confirm their receiving of it.

I received no further information through mail, email, text, or call since then. Looking at the website for CitiBank BestBuy, there are no open cases.

I live in a 10 foot by 10 foot room, live and work 40 miles away from the location the charges occurred at, and have both my timesheet and my location tracking that shows I was not present for these charges. The card number provided on the next page of the form is the current number, but I have not activated it as I do not ever intend to use it.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was informed that the mentioned business called my place of work and a message was taken. I then called the company and a XXXX answered and verified my information. I asked what this was in reference too. He then advised that it was in regards to a account in collections that his office received today. I inquired to what account and for what amount was in collections. He advised me that it was for a XXXX Account from XX/XX/XXXX for an amount of {$990.00}. He also advised me that they were trying to get in contact with my local police department to serve me with a summons to appear in court. He gave me the information and gave me two payment options. I then paused while I was looking up the business on XXXX. He kept asking me if I wanted to take care of this and I told him to hold on for a second. I did this 3-4 times. He got angry and advised me since I would not take care of this today he was going to put it onto my credit history. He then got even more mad and told me he did not want to talk to me anymore and not to call him. He then hung up on me. I was never given a debt collection statement. I also asked him to verify the debt and he refused. He stated that they sent something out in XX/XX/XXXX for a account that was given to there office today. I then called the company back and spoke with XXXX again. I told him I think we got disconnected and he said he hung up on me and that he doesn't want to talk to me anymore.
Product: Debt collection

The creditor is XXXX XXXX XXXX XXXX XXXX and they put XXXX accounts on collections and are destroying my credit report. XXXX account is for {$300.00} and the other XXXX is for {$130.00}. 

The collection agency is Online Information Service, XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. 

I want to pay for these but I never got billed for it. I would like to settle them but the number in the credt report does not exist. Please help me. The phone number they put on the report is not valid. 

This servicer is refusing to even reply to my letters, This is an outrage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All accounts associated with US DEPT ED or DEPTEDXXXX be removed from my consumer report immediately.
Product: Credit reporting

Ive asked to have the comments " less than full balance '' to be removed from my credit report. The settlement was for the " FULL '' balance, I 've sent documents from the company confirming this and Transunion still reports incorrectly should just be paid.
Product: Debt collection

HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment. 

Thank You.
Product: Credit reporting

I disputed XXXX medical debts with Equifax the end of XXXX 2015 via the CFPB. I was told I would receive results from the investigation within 30 days. I have not received anything from them via mail or email. These debts are not mine and should be removed from my credit report. As of end of XXXX, XXXX debts continue to report on my credit report.
Product: Credit card or prepaid card

This complaint concerns one of 2 hotel reservations, both of which I made on XX/XX/XXXX for the XXXX XXXX in XXXX, XXXX through XXXX One reservation was for the nights of XX/XX/XXXX & XXXX, XXXX ( {$52.00} ), whereas the other one was for the night of XX/XX/XXXX ( {$26.00} ). Due to new and revised COVID-19 restrictions ( completely out of my control ) from the XXXX XXXX which affected my trip and were implemented after I reserved the hotel rooms, I had to cancel my trip. As a result, I had to cancel the hotel reservations. When contacting XXXX, the company only allowed me to cancel the reservations through the chat box on their web site. Although I cancelled all of the reservations made through XXXX, I did not receive a cancellation confirmation for the nights of XX/XX/XXXX & XXXX, XXXX. Furthermore, XXXX customer service said that they would make an attempt to reach the above-mentioned hotel the following day, as they could not reach the hotel at the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that they still couldnt reach the hotel and as such would stand by their decision not to refund me my money. Again, the COVID-regulations were changed by the XXXX XXXX after I made my reservations, thereby adversely affecting my trip plans. It was completely out of my control. 

Despite assurances from customer service agents from Synchrony Bank on 2 separate occasions ( XX/XX/XXXX and XX/XX/XXXX ) when calling to dispute the charge, I was told that I would not be held liable for the {$52.00} while the amount was disputed. In each instance, the amount was not removed from my balance. I did not receive the services for which I paid for, thus I want that money back. Moreover, the customer service from XXXX and Synchrony Bank regarding this matter was totally unacceptable.
Product: Debt collection

XXXX   XXXX  sold an accou nt to Portfolio Recovery   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  Portfolio   Recovery. I have made all  XXXX  credit bureaus (  XXXX ,  XXXX  and  XXXX  ) aware of this matter, yet they continue to report inaccurate information on my report. T his matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX Balance : {$24000.00}
Product: Debt collection

I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions.