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

Experian should not be reporting a collection/chargeoff in the amount of {$12000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XX/XX/XXXX These accounts need to immediately be removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute matters with the student loans XXXX, SC State and Fedloan inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and Fedloan because this is inaccurate information.
Product: Credit reporting

During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXX/XXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX
Product: Debt collection

I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX  however XXXX   and Experian it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
Product: Bank account or service

I have a checking and credit card account with Bank of America. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. 
On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. 
This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is listed on my credit report for transunion as a charge off. This account is illegal and invalid in the state of Florida as it violates the state of Floridas statutes. Ive disputed this and transunion has allowed them to illegally conduct collection activities that violates my state laws and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX  GC Services Debt Collector File Number : XXXX XXXX XXXX XXXX Total amount owed {$1000.00} as of Monday XX/XX/2020 with GC Services Payment made on XX/XX/2020 in the amount of : {$200.00} to GC Services due to feeling pressure to pay. 

Total amount to be paid is {$1200.00} to GC Services Original Loan was a smart loan with XXXX XXXX   or XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Loan number is : XXXX Taken out on XX/XX/2020 Original Loan amount was : {$1100.00} As of today XX/XX/2020 the principal balanced owed to XXXX XXXX XXXX  Texas is {$960.00} and the Principal and Interest Balance owed is : {$1200.00} with my payment made on XX/XX/2020 in the amount of {$200.00} reflected ... 

GC Services took over collection for this smart loan. 

For my checking account number ending in : XXXX I owe an overdraft balance of {$100.00} a balance I have been making payments on to XXXX out ... 

XXXX XXXX  refused to allow me to pay my overdraft fees and balance on my checking account first and insisted I pay off this smart loan first ... All the same I did make some good faith payments to my overdrawn account to bring that overdraft balance down to a XXXX balance..I will continue to do this till that overdraft balance is paid in full ... I also tried to call about my smart loan but was asked excessive security questions and was then refused help after waiting on hold for a total of thirty minutes ...
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, 1971, is listed incorrectly. I request that my Date of Birth, XXXX, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Credit card or prepaid card

Before XXXX/XXXX/202 we asked Navy federal to process a special program we qualified for, for a lower interest rate. They told us DO NOT pay the bill and let the XX/XX/19 bill be late. They said they would remove the late fee later because of processing time. We called again in XXXX, wherein we learned the paperwork got lost, and we had to do it again. We filed to have the new interest rate processed which would take up to 45 days. Again we were told do not to worry about payments because it will go to interest and it was their fault so they would remove the late remarks. Finally, in XXXX we had a new lower interest rate, a much smaller payment, and were " caught up on payments '' as you can see from the documents. We have repeatedly given the XXXX  the names of employees we spoke to about his matter and they do not remove the late remarks from this account. This account had NO LATE payments in the entirety of the account 's life. We called in repeatedly to make sure of this. Yet the XXXX  is not honoring the agreement. All I can offer is proof of the interest and monthly payments in the statements. Many employees who worked in the specialty department that allowed for hardship payment qualifications can see ALL the notes that explain, that the 1st application didn't process correctly and that the employees said they would remove those late payments during processing times. We have repeatedly asked the XXXX  reporting team to look into this. The XXXX  does not answer us via email like they said they would, nor do they mail us anything.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Back on Sunday XXXX XXXX XXXX our leased auto was totaled in a car accident. Our insurance company paid the monies owed on the lease. According to an investigation by the State of New Jersey Department of Insurance Division of Insurance Consumer Protection Services Dated XXXX XXXX XXXX. " The driver of the vehicle that pulled out directly in front of us was found to be XXXX liable for the accident and damages sustained due to his failure to yield the right of way of traffic. '' It also appears that you have GAP insurance on your lease so you would not have incurred any additional fees. '' On XXXX XXXX XXXX ALLY FINANCIAL closed the account as Latest Status : Collection/Charge-Off with a balance of {$690.00} Closed - Derogatory We have sent several certified letters to ALLY Financial disputing this balance along with placed disputes with XXXX and XXXX. We would like this claimed balance owed to be removed from all credit reports and closed with paid as agreed.
Product: Checking or savings account

I received a check in the amount of {$1200.00} for mobile deposit. I was then to XXXX the payment to a logistics company in order to support a non-profit organization. I deposited the check via mobile deposit on XX/XX/year>. It cleared the next day ( XX/XX/XXXX ) and I called Chase to confirm the funds are cleared, available for use, and will not be removed from my account at a later date. The customer agent confirmed the funds were fully cleared and will not be removed. I voiced my concern about whether or not it was a fake check or a scam and they assured me it was not, that the check was good. I then made the XXXX payments on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} and {$250.00} ), totaling the {$1200.00}. On XX/XX/XXXX, the check/funds were removed from my account by Chase, noting they are not able to accept the deposit ( after verbally confirming the check was good and cleared ). I lost {$1200.00} due to trusting the Chase customer agent confirming the check would not be removed from my account at a later date. Chase refuses to reimburse me for that loss.
Product: Bank account or service

My accounts at Trustmark Bank have been breached causing a great loss in funds. My banks are in the XXXX, Ms area.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX penalty of perjury I swear this account is false and misleading. XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX Account XXXX : XXXX. Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
I Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Debt collection

Filed a complaint against Clarity on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly Experian. Until then, this issue has not been resolved. Nor has Clarity provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and FICO score, which as of a couple of days ago was 755. Because of this erroneous reporting, my FICO score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied access to my credit reports from Experian and XXXX.
Product: Debt collection

In XXXX Synchrony Bank sued me for a debt owed on a care credit card. In XXXX Synchrony Bank sent me a 1099c, cancellation of debt form and I claimed the debt on my XXXX taxes as income. In XXXX of XXXX I contacted Synchrony Bank to get the judgment against me released and even offered to pay anything owed. I was told they could not take any money from me because the debt had been cancelled and they assured me the release would be sent to the court house. In XX/XX/XXXX I and another person I hired to represent me spoke with them because nothing had been received by the courthouse or myself. XX/XX/XXXX we were assured the release request had been sent and would arrive at the courthouse and the judgment would be released. To this date the courthouse has received nothing from Synchrony Bank releasing this judgment. My representative and I spoke with Synchrony again on XX/XX/XXXX in which we were told they would not release the account until I paid {$2300.00} to them. I had never been told any money was owed. I have been told since XX/XX/XXXX that they can not take any money from me due to the XXXX. On XX/XX/XXXX we called again and spoke with the manager, XXXX. He assured my representative and I that the release was sent on XX/XX/XXXX. He also assured me no money was owed on the account due to the 1099c. I asked for proof that the release was sent and he could not provide me with any. I asked for a release to be sent directly to me so I could personally take it to the courthouse. I was told that couldn't be done. I asked for anything to be sent to me stating I no longer owed on this debt. I was told they couldn't provide me with anything. I asked for the tracking information for the release or proof that the courthouse received it. I was told they could not provide me with that. Synchrony Bank has done nothing but state false promises to me that my account would be released and paperwork would be sent to the county courthouse in which the judgment resides. They have tried to wrongfully claim I owed money on this account. They have said they have sent the release yet the courthouse never receives it and they refuse to provide me with any paperwork or letters confirming this debt is released.
Product: Checking or savings account

When will this bank allow me to open an account and stop refuting they treat me horribke claim relationship is ended and nothing I can do to comeback or change they dont want me as a customer this is illegal this is discimaitory claiming they have the right not to do business with a customer its like they banned me for no Reason I cant get no checking Credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & Experian, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting XXXX and Experian to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request XXXX  and Experian to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request XXXX  and Experian to validate this since XXXX  refuses to.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAPPY SATURDAY XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section XXXX. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Auto is reporting a car loan on my credit report that does NOT belong to me. I contacted Capital one several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Product: Debt collection

I recently reviewed my credit report and noticed a collection account listed. I did not recognize this information because I have never signed a contract with this company or have ANY liability to this company. I have tried removing this collection from my report as it is seriously affecting my from obtaining future credit. I received a letter in the mail from this company in which they are a XXXX party company that buys debt from other companies. The original creditor in which was home depot discharged the debt yet I am still having this company report negative information on my report. I did not give home depot to report my information to this XXXX party and according to there policy and my privacy rights they are not affiliated with company. I have also tried to remove this with the credit reporting agencies and requested information as to how they verified this information and they only told me the information came back verified but they did send me proof of how it was verified. This account continues to show an open balance on my report in which is a violation a collection can not be reported as an open balance. All three credit reporting agencies have different information that is also a violation of my consumer rights. My report should show the same for all three credit reporting agencies.