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

I am writing to request the immediate removal of certain accounts from my credit report, as I am a victim of identity theft following a recent data breach. As outlined under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report.

Fraudulent Accounts : 1. Creditor Name : Achieve Personal Loans XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} 2. Creditor Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$3100.00} XXXX. Creditor Name : CXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX Balance : {$9400.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$14000.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$35000.00} XXXX. Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$12000.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years Carrington mortgage would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with XXXX  and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.
Product: Debt collection

Equifax Per 15 U.S.C. 1681 ( n ) Civil Liability for willful noncompliance. Your agency is in violation of 15 U.S.C. 1681 ( n ) by reporting inaccurate information on my credit file. On XXXX I requested the validity of this account per 15 U.S.C. 1681 ( i ) Procedural Investigation of multiple balances for this account being inaccurate. No such documents were produced and or mailed to me. In XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a payment of {$2400.00} for charge off settlement as payment in full with a zero balance after a write off of {$8900.00} from the original {$11000.00} account balance. 

In addition to this XXXX XXXX XXXX XXXX has violated 15 U.S.C. 1666 ( b ) Timing of payments consistently reporting a charge off status every month since XX/XX/XXXX although the account was closed XX/XX/XXXX. XXXX XXXX XXXX XXXX then reported a new account in which I did not open ending in # XXXX as mentioned above. They reported last payment date XX/XX/XXXX on this account of {$120.00} which I did not make this payment. XXXX XXXX XXXX XXXX falsely reported this in an attempt to collect an additional debt not owed. Falsely reporting inaccurate information to prolong the length of time to report to Credit Reporting Agencies Equifax, XXXX XXXX XXXX XXXX is a direct violation of 15 U.S.C. 1681 FCRA & FDCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX is a debt collector that has fraudently obtain my credit information with my written consent and is inaccurately reporting on my credit report as if I had did business with them. This account is not validated and XXXX had deleted this from my credit report and yet XXXX and Equifax is still reporting this deleted account ( XXXX ) inaccurately. This inaccuracy is in violation of my consumer rights, FCRA Laws and FTC regulations.
Product: Credit card or prepaid card

I have had a capital one savor credit card starting XXXX of XXXX, I Never missed a payment. My Credit score is good, I had been accepted credit limit increases instantly on 2 other credit cards. I have tried to get a credit increase with capital one in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. I have called capital one and spoke to them countless times, the reason I don't get accepted for a credit limit increase from capital one is " Capital one is evaluating account activity at assigned credit limits. '' Nobody on the phone at capital one could explain what that reason meant. My limit is currently {$4000.00}. My other cards are {$10000.00}. Im writing this complaint because capital one is not abiding by the law, if they deny me a credit increase. I need a valid reason and not a statement that is not understood by their staff, I hope this will help get the increase I deserve. I have had patience with this company, I enjoy capital one and their easy to use app. 
XXXX.
Product: Credit reporting or other personal consumer reports

I have tried for XXXX years to get a proper credit report from both XXXX XXXX and Experian and I am told that my address is not on my credit report when its been on my report the entire time I have also asked to be able to access my report online and they have blocked it even after me sending my identification and social as well as my address in I officially relocated to Florida effective XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I updated it on Experian and I will put the proof in where asked but my former address was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that my credit report be updated and corrected to reflect my current credit score immediately as I have had several negative items deleted from my credit report XXXX XXXX and Experian are both in violation of 15 us 1681 and I will be seeking verification and damages for my consumer protection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is from 2005 and should be removed from my credit report
Product: Debt collection

My father and aunt had a joint account with Santander Bank that funded a safety deposit box. Both of the people have since passed and I returned the safety deposit box keys.i have also written Santander multiple letters stating the box was closed, the keys were returned and both of the people on the account are dead. not only are they still trying to collect, but they are no billing me for XX/XX/XXXX until XX/XX/XXXX!!! They will NOT STOP trying to bill me for something I rectified and communicated to them YEARS AGO! they are trying to assess a late fee on me too. if they stopped ignoring my letters this would have been done away with two ( 2 ) years ago when I closed the account! I feel harrassed since they ignore my letters and are now trying to charge me with late fees and now billing me for another year when they XXXX well know BOTH ACCOUNT HOLDERS ARE XXXX! XXXX for 7 years and XXXX for 3 years! Come on!!!
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. 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. 

XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

i have been getting debt collection notices from Cach llc and the law firm XXXX, XXXX and XXXX. These companies say I owe them {$24000.00}. The original creditor is XXXX XXXX XXXX. The debt I assume was sold to Cach LLC for collections. the Law firm is trying to recover the debt on behalf of cach LLC. I have never taken a XXXX XXXX out from XXXX XXXX XXXX. XXXX XXXX XXXX  told me that XXXX XXXX financed the loan. I called XXXX XXXX and they told me they have no record of me or that loan of {$24000.00} The thief who took out the loan used an old address that I lived in over 9 years ago ( XXXX XXXX XXXX XXXX NJ, XXXX }. I moved out in XXXX. XXXX XXXX XXXX  told me The loan was taken out on XX/XX/XXXX. I Have lived at my current address for over 9 years. This fraudulent debt has been on my credit report for over 4 years. 2 years ago i asked Cache llc to validate the debt. they sent me a validation letter. I have not heard from them since, that was in XXXX, XXXX XX/XX/XXXX, XXXX I received a letter from XXXX, XXXX  and XXXX. threatening to sue me if I don't respond in 30 days.
Product: Credit reporting or other personal consumer reports

NCB MANAGEMENT SERVICES keeps reporting multiple repo on XXXX, reporting a balance of {$0.00}. Hasnt reported since XX/XX/XXXX which is a violation. XXXX hasnt been updating the account every month. Last update was on XX/XX/XXXX. Thats a violation. They sent me the bill of sale. And each credit bureau is reporting a false balance which is another violation. The bill of sale says the car was sold for {$8700.00}. The deficiency balance is {$12000.00}. Why is XXXX reporting that the original balance of the vehicle is {$18000.00} written off. If its written off wheres my 1099-C? Ive never received it. XXXX is reporting a {$0.00} balance. & XXXX is reporting {$0.00}. This account has to be reporting accurately on each credit bureau. Please modify the account or delete it. The account hasnt been updated since XX/XX/XXXX which is also a violation on XXXX. Please do a thorough investigation on this repossession account because this whole account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting delinquent status this mortage was modified and all payments were current for the 4 months XXXX  XXXX XXXX owned this account it was then bought out current by carrington mortage XXXX XXXX XXXX continues report erroneous information and we have joined a class action one of many XXXX has going for this reason XXXX  does nothing but scan this and report this as update we filed 609 1 a 1 form with them of which the disreagsurded
Product: Debt collection

After multiple attempts to verify amount of debt with creditor, over the course of two weeks, creditor has failed to provide amount of debt.
Product: Credit reporting or other personal consumer reports

I just recently looked at my report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because ( XXXX XXXX XXXXXXXX ) open date is not reporting correctly, high credit amount, last reported date, comments, date of last payment ( XXXX XXXX XXXX ) open date is not reporting correctly, monthly payment, account status, Balance, high credit, last reported, date last active, I only received a letter stating the accounts were verified but as you can see in the supporting documents, they are still currently all incorrect. 

In addition, I was not provided any documentation proving the accuracy of the accounts this is clear violations of my right under the fair credit reporting act and is causing me a severe hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumir Reporting agency can not furnish a Account without my written insturctions.

15 USC 1666B : A creditor May not treat a payments an credit card Account under an open end consumer credit plan as late purpose.
Product: Mortgage

Carrington is reporting me for XX/XX/year>. They have also reported on my credit file. Im under a forbearance. I never signed a forbearance. Why are they reporting me late? When I was on a payment plan? And a forbearance. They are always putting me through some type of distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Experian, XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
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 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 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

In XXXX of 2024, I found on my credit report that this account XXXX ... is listed as a closed account with a balance of {$600.00} but, the account is listed as a charge off / loss. I have not received a 1099-C to report this as income. While this debt has been charged off, I am still receiving calls attempting to collect payment for a debt that has been charged off.
Product: Credit card

I opened up a balance transfer credit card with XXXX XXXX XXXX XX/XX/year>. I set up to have a balance with Truist transfered to this card. XXXX XXXX XXXX sent a check to truist but truist refuses to credit my account, so I was essentially paying the same account twice ( for truist AND then again for XXXX XXXX XXXX  ). I requested a copy of the check from XXXX XXXX XXXX and have forwarded and sent a copy of it to truist recovery center, but nothing has been done. I have called, emailed, and sent physical mail but still nothing has been done. This has been going on since XXXXXXXX XXXX XXXX. I used to have great credit but this has tanked my credit and now I have a collections notice.
Product: Checking or savings account

my card won't link to XXXX  for stock trading
Product: Credit reporting, credit repair services, or other personal consumer reports

Child Support is unconstitutional being report in your credit report.
Product: Money transfer, virtual currency, or money service

XXXX {$250.00} A lady was hosting a womens boot camp & after I paid I was shocked to find out there was no actual boot camp. I was SCAMMED & blocked. I hate this! 
I contacted my bank who said they can not do anything about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times to XXXX and they have not assisted me promptly or correctly with identity theft. After I alerted the 3 bureaus of the issue, XXXX continued to report my account as late. I told them I did not have the card and the transactions were fraud, and would not send a card or open account since it was passdue. Also during, the calls they pushed me to paying or they'll report it late. I explained to them that it wasn't me making the charges, until I finally closed my secured card. Even after they still reported it with late payments and balance due. It it showing late payments on a now closed account
Product: Prepaid card

I purchased a gift card for {$170.00} on XX/XX/year> and still today XX/XX/year> the money has not been credited to the gift card and they keep stalling. Vanilla gift card and been emailing InComm and no reply.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

I had no idea of this company JEFFERSON CAPITAL SYSTEMS has been placed on my credit, this don't belong to me disputed and they still reporting, do not recognize t
Product: Credit card

I called JPMCB Card Services on XX/XX/XXXX at XXXX and asked why this showed up on my credit report as of XXXX XXXX. They couldn't give me any information, they asked for the account number and I don't have it because this isn't my account. This account balance shows {$8400.00}. Charged off as a bad debt as of XX/XX/XXXX. It was opened according to the info on my credit report XXXX XXXX, XXXX. This is all the information I have about this account. I was never notified about this account. My first knowledge of this account was when my credit score went from around XXXX to XXXX for no apparent reason I am never late on any payments. Had to file bankruptacy when my husband was unable to work due to XXXX back in XXXX. I have worked really hard to keep my credit in tack and for this to show up out of the blue is ridiculous. Especially with no explanation and I can't seem to get one either. This is totally unfair.
Product: Checking or savings account

Hi, I am reaching out to request urgent intervention regarding the sudden closure of my Citibank account on XX/XX/year> which has left me without access to funds needed for essential expenses, including my rent payment. I believe this action by Citibank may be unfair and has placed me at immediate risk of eviction.

Recently, I received a critical deposit in my Citibank account intended for my XXXX rent. The account was subsequently closed by Citibank without adequate explanation or notice, leaving me in an incredibly difficult situation. When I initially spoke with XXXX representatives, I was told a letter explaining the closure would be sent to me. However, upon further inquiry the following week, I received no clear answer or documentation. 

On XX/XX/XXXX, I personally visited a Citibank branch, attempting to withdraw funds to pay my rent. A representative on the phone had confirmed there would be a note on file to facilitate this withdrawal. However, when I arrived, the teller refused to release my money, disregarding the urgency of my situation and leaving me unable to fulfill my rental obligations. This withholding of funds is now causing severe personal and financial distress. 

I have consulted with legal representatives who advised that I contact your agency before proceeding with additional action. I am respectfully requesting that the CFPB treat this matter with urgency and compel Citibank to release my funds immediately. My immediate access to these funds is crucial to avoid eviction and additional financial consequences. 

Thank you or your assistance in this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ITEMS HAVE BEEN MADE BY TRANSUNION ON MY CREDIT REPORT. I HAVE NOTIFIED THEM THROUGH MAIL ABOUT THESE ERRORS AND THEY HAVE NOT BEEN REMOVED. THEY ARE IN VIOLATION OF THE FCRA AND NEED TO BE HELD ACCOUNTABLE. 

XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 120 days late '' but XXXX shows " 150 days late '' it can not be both when you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 120 days and only have ( 1 ) 30 day late payment at the same time. 

XXXX Account Number : XXXX You are reporting there is a " Balance '' of XXXX and a " Past Due '' amount of XXXX It can't be both. Bureau Code says " Authorized User '' on a " charged off '' account so it should removed because the account does not belong to me. 

XXXX XXXX XXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. You are reporting " date of last payment '' XX/XX/XXXX but XXXX  and Transunion show XX/XX/XXXX..It cant be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 ) 30 day late payment but transunion shows no late payments. It can not be both. You are reporting " Date of last payment '' different from XXXX  and XXXX. It can not be both. 

XXXX XXXX Account Number : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.
Product: Checking or savings account

I opened an account with Juno, which utilized XXXX as its banking-as-a-service provider, with XXXXXXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX  On [ Date ], I noticed that I was unable to access my funds, make transactions, or withdraw my balance. When I contacted Juno customer support, I was informed that the issue was related to disruptions with XXXX and XXXXXXXX XXXX However, I was not provided with a clear timeline or resolution plan for retrieving my funds. 

I have made multiple attempts to reach out to Juno, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but I have not received any concrete information on when I will regain access to my money. As a consumer, this situation has caused financial hardship, and I believe these institutions have failed in their duty to provide transparent and reliable financial services. 

I am requesting immediate action from the CFPB to investigate this matter and ensure that I regain full access to my funds. Additionally, I would like the institutions involved to provide a clear explanation of what happened and ensure that similar issues do not occur in the future. If any fees or penalties have been incurred due to this situation, I request that they be reimbursed.