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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owe the original debtor, XXXX XXXX XXXX XXXX, ( 1 ) {$62.00} amount from XXXX or XXXX, not sure which year the original debt was created, but it is only one bill. Consumer Adjustment Co has listed the bill on my credit report sometime last year. I have NOT made a single payment to their company of any kind, yet they just made the debt NEW again on my credit report. They can not do that unless I have made a payment, which I have not. They had someone contact me, verbally and tell me that I owe them {$4000.00} or so. I told them I would pay on the XXXX of XXXX, XXXX. However, I have not paid thus far and will not being paying since they are trying to be fraudulent. They are trying to restate the original creditors name and double add one single debt to my credit report. It shows twice and they just made it new on the XXXX of XXXX. They did this through XXXX  Credit Bureau and I may seek legal counsel in the future.
Product: Credit card or prepaid card

I placed an order on XX/XX/2022 for XXXX in which the credit numbers did not match so they were issuing a new card. But they put this charge on old account ending in XXXX. I then returned some items and paid the remaining balance. However these transactions went against the new account, ending in XXXX. Now I am receiving a bill for the account ending in XXXX which comenity bank claims does not exist. I have had multiple trouble tickets opened since XXXX and have spoken to numerous customer reps and supervisors. Every month I receive a new bill for XXXX plus my new account ending XXXX. I believe this all occurred during a major software update and I keep telling them that this has to go to the computer division to look into their old files and remove this account. I have all dates, names and bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have sent letters to XXXX XXXX and Capital One bank along with XXXX, XXXX and XXXX. In regards to several accounts on my credit report that does not belong to me. XXXX XXXX XXXX, Capital One XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts does not belong to me.
Product: Checking or savings account

I opened up a certificate of deposit XX/XX/XXXX which was a 4 month CD at the interest rate of 4.88 % and stated automatically renewable meaning it just rolls over. I contacted JP Morgan Chase bank regarding this CD and I was told by XXXX from the executive office that CHASE CLOSED MY CD account sent the funds to RETENTION and they can't find my money. XXXX from Chase executive office is handling this and also told me that CHASE CLOSED my account and the last time the CD was listed on my statements was XX/XX/XXXX. The money is NOT IN RETENTION, It's not been forwarded to the State Of Illinois as unclaimed money. They asked me to locate my XX/XX/XXXX-XX/XX/XXXX tax return to see if I filed an amount from a XXXX. Well the XX/XX/XXXX-XX/XX/XXXX tax return on my computer states its a corrupt file. XXXX only goes back to XX/XX/XXXX to get copies. I can vget copies thru the IRS at a cost of {$50.00} per tax return. Mind you CHASE closed my account without authorization and without any notification oif such. I told XXXX to send me XXXX so I can get those tax returns and she's yet to call me back. I want my CD money which was opened with {$10000.00} with all accumilated interest at the rate of 4.88 % from the time I opned the CD till the day I recieve the accumilated interest. This is CRIMINAL FRAUD AND THEFT. I included a copy of the certificate of deposit and the reciept for opening up such
Product: Checking or savings account

I depoited cash in my account the the available balance reflected my deposits. Charges were then declined for insufficient funds but the bank has holds on the money for charges that were declined? I dont understand how that is legal. I have contacted bank of America several times and they said there was nothing yhey can do about it. 5 days later and they still have a hold on my money for declined charges that should have never been declined now i have hotel reservstions and no plane ticket to get there.
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 : XX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name :XX/XX/XXXX : Account Number : XXXX Account Name : XXXXXX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XX/XX/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: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my credit file, despite my twentieth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

So this company has been harassed me for quite a while. Theyre calling my family members. Theyre leaving me messages. Theyre trying to contact me at work. Theyre sending me emails. I tried to make arrangements with them. They told me they wanted to settle for an XXXX amount. they said he didnt care. I got nowhere with him. He was very very rude. Every time I call the people are just extremely rude. Theyre not interested in anything except pain in in anything except pay in XXXX.
Product: Credit reporting or other personal consumer reports

I noticed there is a error on my credit report and its inaccurate. COMENITYCAPITALXXXX XXXX XXXX XXXXXXXX on my XXXX report, I have never been late on this account company is stating i was late in XX/XX/2023 there is no proof of this, I have never been late on any account on my credit report I have made every single payment ontime this is a mistake I am requesting for this late payment to be removed from my credit report and for the account to be update as current, there have been many attempts to clear this issue to no avail. I have a right to a accurate credit report per FCRA, 15 USC 1666b, 15 USC 1681b, 15 USC 6802, I am requesting for this late to be removed from my credit report please thank you for your time this account is up to date and paid on time in full.
Product: Credit reporting or other personal consumer reports

on the equifax report has a NON MAILABLE ADDRESS on it that dooes not belong to me. so i need the address of XXXX XXXX XXXX XXXX, GA XXXX removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I  would not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the  most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Product: Mortgage

I have been in repayment of Loan # XXXX ( for security reasons I am providing the last 4 of my account # and can provide the full # if necessary for this issue ) for several months and working to repay the amount due on the loan as the amount ( {$38000.00} which was a balloon payment ) was not something I could scrape up the funds to fulfill in full at a moments notice. I reached out to Mr. Cooper to engage with them to work out an option to continue making payments on the loan till I was able to refinance my loan and completely satisfy the balloon payment. Mr. Cooper did work with me and set me up with a trial repayment period. This process took them a couple of months to create and present to me at which time it was presented I agreed to the repayment terms for a 3 month trial period in which I was to make 3 consecutive payments on time to fulfill a required obligation on my part, which I did. I made every payment on time and fulfilled their request. During this entire time Mr. Cooper continued to negatively ding my credit score ( as often as 3 times within a month ) and dropped my credit rating approximately 150 points. Mr. Cooper made derogatory reports to the credit reporting agencies multiple times a month during this process even though I was din full cooperation with them and meeting each and every one of their requirements. The final result of their derogatory actions has severely negatively impacted my credit rating to the point that a refinance now ( to satisfy that loan ) is drastically impacted. I wish to lodge a complaint and am taking this step first to see if they will work with me to remove those negative derogatory statements from my record before I proceed with legal action. 

Please intervene on my behalf as Mr. Cooper has been unresponsive to my initial request which I lodged with them on Wednesday XX/XX/2021 @ XXXX XXXX. I have been very patient and have been more than gracious in allowing them ample to me to respond to my initial contact to work out some kind of resolution to this abusive behavior on their part. 

I will await a response within the mandated 10 calendar days before taking further action which may include litigious action in which I will request compensation for damages.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX, Ohio XXXX ACCT # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored again this pertains to a Federal law violation of unlawful HIPPA non disclosure and after several disputes still completely ignore it. 

I am going to sue each of you for your violations. 


Watch.
Product: Checking or savings account

They only gave me some credit not all and wont do anything else, even though the transaction that made my account negative plus their overdraft fees was unauthorized
Product: Credit reporting or other personal consumer reports

I have a few hard inquiries that i do not recognize nor did i give permission to happen. 

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

Discover bank is claiming i have a credit card charge off of XXXX, I have no knowledge of this account. Never had a credit card I've reached out multiple times, disputed this and they won't remove it off my credit report
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 Number : XXXX : Balance : {$2200.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXXXX/XX/XXXX, I agreed to sign up for a monthly membership at XXXX XXXX. The cost per month would be {$99.00}, drafted automatically. I agreed to the initial {$99.00} charge on XX/XX/XXXX. However, I was then charged again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was charged 5 times total but 4 of the subsequent charges were unauthorized. I finally had to block them from being able to charge me by submitting a request to my bank as well as contactingXX/XX/XXXX to completely cancel my membership until the refunds are processed back to me. Between XX/XX/XXXX and XXXX,XX/XX/XXXX I was confirmed I was owed the refund and received email confirmations from XX/XX/XXXXfor all 4 charges. I then received 2 refunds of {$99.00} to my bank on XX/XX/XXXX. As of today, XX/XX/XXXX, that is the only refund I have received from XX/XX/XXXX. I filed a dispute with my bank, Capital One, on XX/XX/XXXX and was issued two provisional credits of {$99.00} ( {$190.00} total ). Capital One then emailed me on XX/XX/XXXX stating the merchant has agreed to credit me so my dispute is closing and Capital One will be taking back their provisional credits, which they did on XX/XX/XXXX. Because this was obviously incorrect, I contacted Capital One again on XX/XX/XXXX to clarify that yes XXXX did refund two charges ( back on XX/XX/XXXX ), but they owed me back four charges in total ( two outstanding ). I took the advice of the Capital One rep and submitted a dispute for the other two charges and was again given two provisional credits of {$99.00} ( {$190.00} total ). I then received another email from Capital One on XX/XX/XXXX informing me that after their investigation, they determined AdvancedMD refunded me two charges and again Capital One would be taking back their provisional credits as of XX/XX/XXXX which they have. So total, I still have only received two credits of {$99.00} total from AdvancedMD to my bank account as I have attempted to dispute two charges twice and both times, Capital One took their provisional credits back. I am still out {$190.00}.
Product: Credit reporting, credit repair services, 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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX, I contacted Synchrony bank regarding my paypal credit account for settlement. The amount I owed was {$4200.00} and the bank agreed to settle my account for {$2100.00} in 3 payments : 1 ) {$700.00} due by XXXX/XXXX/2020 2 ) {$700.00} due by XX/XX/2020 and last payment should be processed on XXXX/XXXX/2020. I made 2 payments out of 3 payments ; I made my first on XX/XX/2020 and second one wasn't made on time because the bank told me that they made a mistake on the second payment process and they apologized to me for that mistake and it was processed on XXXX/XXXX/2020. 

So, today when I called the bank today, XXXX/XXXX/2020, to process my last payment, they refused to process it. They said to me that my account was defaulted because the second payment wasn't processed on time. At first, I believed it was a joke because I personally called the bank 3 times on the second payment when I didn't see it posted on my account and it was the same thing that they ' ve made mistakes during payment process and they knowledged that they had used different method to process the second payement and my bank had rejected the payment. Honestly, don't know what they kind of method it was ; I have idea. Once again, the bank apologized to me on the phone for the mistake they made and they told me to call on XX/XX/2020 to make final payment. 

Surprisingly, today they rejected my last payment because of the mistake they made themselves. Insistead to accept, they offered me a new settlement proposal and I accepted to listen that proposal and she hang up on me. So, I called them back and it was another agent ; she said to me that my account is under review. I don't know what she means by that. 

Please! CFBP help me. This thing has to stop.
Product: Credit reporting or other personal consumer reports

The presence of an adverse rating on my account is of great concern to me. I am deeply troubled by its potential impact on my creditworthiness. This negative mark has already led to the rejection of a recent loan application and increased interest rates on my existing credit accounts. I can not overstate the severe financial and emotional strain this unfavorable rating has caused and will continue to cause until it is addressed.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, XXXX and Experian are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.