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

There is information on my consumer report that is a result of identity theft. My personal information was stolen and used without my permission. Personal information including my name, date of birth, and social security number. I did not provide written permission or instructions for the identified transactions or information to be reported on my consumer report.
Product: Vehicle loan or lease

The auto loan account was charged off meaning it was paid off and also written off for tax purposes.
Product: Debt collection

Portfolio Recovery Associates, LLC has obviously purchased several old credit card debits I owed from years ago and are using the law firm XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.
Product: Credit reporting or other personal consumer reports

This is my first 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 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  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX  Inquiry : XX/XX/year> XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this Collection Account with TransUnion on XXXX separate occasions, both of which resulted in the account being marked as " verified. '' However, when I requested an original contract between myself and XXXX XXXX XXXX, I never received any documentation. Despite this, the account continues to be reported on my credit report, dating back to XX/XX/year>. Additionally, the account lacks an account type, yet it remains active on my credit report. I am formally requesting an investigation into this matter, as I believe my consumer rights are being violated in accordance with Fair Credit Reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with Bank of America for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from Bank of America on XX/XX/16. Bank of America did not respond. A second request was sent on XX/XX/16 so that XXXX   XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, Bank of America reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent Bank of America a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared Bank of America on XX/XX/16. I have made phone calls, submitted disputes through XXXX, hired a company to assist me in the matter, and still it remains unresolved. Bank of America is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire and through an intermediary named " XXXX " in the total amount of XXXX USD.
Product: Debt collection

In 2019 XXXX allowed an unauthorized user to purchase equipment on my account, the unauthorized user purchased devices associated with all of the lines on our account. When XXXX did not receive our previous devices we were charged for them. I Disputed this with them at that time, however I was told that they couldn't prove it was not me that made the purchase. This led to my account getting suspended with a {$2200.00} bill I could not pay. So I left the service, and gave up on fixing it. When it showed on my credit report I requested a debt verification and all documents associated with the account. The collection agency never furnished the information requested and has stopped contacting me. I have now disputed the collection on my credit report, but they are requesting information I do not have access to, and does not exist.
Product: Debt collection

I went to the original of the account and says there is no information in their system, these companies that charge do not show their information is impossible to make an arrangement or verification.
Product: Credit card

My ex-wife received a credit card from American Express that was previously removed from my account. My ex-wife used the card thinking it was her card from her own account. The debt went on my account. American Express started removing the expenditures from my account but then stopped and started charging me. My ex-wife has stated to American Express that she will pay the charges. American Express has not collected from my ex-wife and is trying to collect from me even though they are not my charges and American Express has all the information needed to contact my ex-wife.
Product: Credit card

I paid of the account completely in XXXX ( approximately XX/XX/XXXX ). On XX/XX/XXXX I noticed the card had a balance on it, and I had not used the card since I paid it off. I then noticed they were charging me XXXX per month on the card. I paid the XXXX and called them that day and asked them to cancel the card. I noticed approximately two days later the account was still not closed, so I called them again. They said " it takes 45 days for the account to close ''. I called them again today XX/XX/year> because now it is showing a balance of XXXX ( they charged an annual fee ) and asked them why this account was not closed? I also told them I want the charges removed, because I had a XXXX balance on the card and I am not paying any fees on a card that I asked to be closed almost a month ago. They lady told me today she could cancel the fees and close the card immediately. ( that is what the first person told me too ). I do not want to have to pay any more on this card and I want the card cancelled.
Product: Credit reporting or other personal consumer reports

This information is incorrect, I was never evicted from this property so under the FCRA I request you investigate this matter right away and remove the inaccurate information from my report. You are damaging my tenant screening report.
Product: Debt collection

I am submitting a formal complaint against Jefferson Capital Systems, a debt collection agency, for improperly reporting and misrepresenting a debt on my credit report. Despite repeated disputes and requests for validation, Jefferson Capital Systems has failed to provide any documentation proving that the debt is mine or that they have a right to collect it. 

Details of Complaint Unverified Account Reporting and Inaccurate Information : Jefferson Capital Systems claims that an account was opened in XX/XX/year> in my name, with an alleged debt of {$1300.00}. They have reported this debt to the credit bureaus, but have not provided any supporting documentation verifying the debt 's validity or confirming their right to collect on it. This debt remains on my credit report, negatively impacting my credit score and misrepresenting my credit profile. 

Repeated Disputes Ignored Without Documentation : I have filed multiple disputes with the credit bureaus regarding this debt, citing lack of validation and evidence from Jefferson Capital Systems. Despite my repeated disputes, they continue to report the debt as " validated '' or " verified '' without providing any supporting documentation. Their failure to substantiate their claim and yet insist on reporting it as verified violates my rights as a consumer under federal law. 

Possible Violations of Consumer Protection Laws : Jefferson Capital Systems actions appear to contravene the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate and verify debts upon request. Additionally, their refusal to provide any proof or substantiation of this debt, while continuing to report it to credit bureaus, may constitute a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Debt was removed and now has been re added to collections. FCRA violation as I've never received the five-day letter required by the FCRA to give you notice of the reinsertion, please re-delete the disputed item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX- 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date XXXX Balance : {$580.00} Collection Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Not really seeing this issue on your check list prior to this page. But I put money into my Huntington Bank Savings account on XX/XX/XXXX in the amount of {$21000.00} on XX/XX/XXXX I received an email ( attached ) saying " Bring this coupon to a branch, visit a branch before XX/XX/XXXX. Hurry, this is a limited time offer, and you need this coupon code to get started. '' and get a {$100.00} bonus. 
I showed XXXX at the bank on XX/XX/XXXX, the email and she says I would get the money in 5 to 10 days. No money, so I talked to a XXXX XXXX on XX/XX/XXXX and she says it takes 60 days from XX/XX/XXXX to get the {$100.00} Bonus. No money, went back in XX/XX/XXXX talked to XXXX and he says he has to send email to there back office. Then they tried to say the offer didn't start til XX/XX/XXXX and I disputed it with XXXX that the email says bring coupon in a branch BEFORE XX/XX/XXXX Which I did and about a week later they said that it had been approved for me to get the {$100.00} bonus money. No money, so on XX/XX/XXXX I spoke with XXXX XXXX at the Bank and she says the {$100.00} would be deposited in my savings account in 7 to 10 days. No money, On XX/XX/XXXX I told XXXX XXXX no money yet, she told me the guy was on vacation and back on XX/XX/XXXX No hear from anyone, called the bank XX/XX/XXXX and XXXX XXXX says she would email them again. NO Hear from them yet and NO MONEY.
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 Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends. 
I am always connected to a foreign customer service agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Payday loan, title loan, or personal loan

Too many phone calls, never leave message. ( 6 calls on XX/XX/20 )
Product: Debt collection

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 # : XXXX by XXXX XXXX XXXX XXXX XXXX, Account # : 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 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 or any other adverse item of information, other than records of convictions 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 to believe that the information is inaccurate.
Product: Credit card or prepaid card

CHIME took XXXX was taken. My statement is only showing 2 transaction when it should show 4 and they said they cant see my statement.
Product: Credit card

In checking my credit report I noticed that my credit limit had been reduced. I was not previously notified. I contacted the company and was advised that my limit was too high and so my limit was reduced. I asked about with reducing my credit that that still keeps my limit high to appear that my card is now maxed out which would affect my credit. The rep was nasty as said that it is their money that they are loaning me and they can take it back when they get ready because it 's their money.
Product: Debt or credit management

On XX/XX/23 I completed an online applicaiton with Freedom Debt Relief. I gave them all of my personal information including my social security number. I did not sign the contract because I had questions. I downloaded the application which was incomplete. but I called the XXXX number to get answera before signing contract. I spoke with a female a " certified debt consultant with Freedom Debt Relief ''. I did not catch her name I want to say her last name was XXXX. So I asked this customer service rep about how this works, she did have access to my information because she read off all the creditors, not sure how she received this information. I had a issue with one credit with my cosmetology school and I was to get back with her to give the name of creditor and actual amount due. I also had another question but this one was more concerning. She said she would call me back the next day which would have been XX/XX/23 at XXXX. I never received a call and have not received a call since. I tried calling XXXX back today XX/XX/23 ( XXXX and XXXX XXXX XXXX, and XXXX XXXX. all three times it stated it would connect me with a certified debt consultant agent but was immediately sent to a voicemail stating " my '' debt consultant agent would get back with me. I left a message today stating since no one has called me back as promised and no one is picking up or I am being transferred I would contact CFPB. 

My concern is my the giving of my social security number and how they can see all of my credit information and how they asking for permission to gain access to my creditors and me giving them my social security number they have all of my information.
Product: Debt collection

Wakefield account is too old. Keeps popping up on my credit. Although information about Wakefield is accurate I do not recognize. I tried disputing it directly with the company. It keeps affecting my credit. I have other priorities in life. This is a roadblock in my everyday life. Please remove Wakefield from my credit report. I been doing all I can to stay on top of my bills. Please remove out of good faith. Thanks, and god bless.
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 records 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted to the Transunion my XXXX words statement to be included in its report and to send the included statement report to all those entities during the past XXXX XXXX 
On XX/XX/2022, I received Transunion letter dated XX/XX/2022 bearing its file number XXXX. Transunion failed to include my XXXX words statement. I waited until XX/XX/2022 to see if it included my XXXX words statement. It did not. 
Transunion had more than adequate time to include my XXXX words statement. Despite the proof I submitted, it continued to ignore the proof.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

PLEASE SEE THE ATTACHED