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

After sending certified, return receipt letters to TransUnion on XX/XX//18, which they received on XXXX/XXXX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX//18, which was received on XX/XX//18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported an inaccurate balance from XXXX  XXXX XXXX on your credit report for the month of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage XXXX & XXXX and now XXXX is in effect. This system acts like the XXXX and if they can't get it together the courts will .... I had enough.
Product: Debt collection

NATIONWIDE RECOVERY SYSTEMS HAS FRAUDULENTLY AND ILLEGALLY PLACED AN ODIOUS DEBT ON MY CREDIT REPORTS. 

THEY NEVER SENT ME A LETTER AS REQUIRED BY LAW INDICATING THAT I WAS LEGALLY OBLIGATED TO PAY THEM ANY DEBT! IF THEY HAD SENT SUCH A LETTER AS REQUIRED BY LAW I WOULD HAVE PROMPTLY RESPONDED THUSLY ; To : NATIONWIDE RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

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

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX/XXXX  {$830.00} XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX 2016
Product: Debt collection

I have received phone calls and payment offers from " Jefferson Capital Systems LLC. '' They have two reference numbers : # 1 is for - XXXX XXXX {$960.00} # 2 is for- XXXX XXXX {$96.00} I do not know what either account is for and I have disputed both of them via the XXXX XXXX site for that very reason. I have done this several times. When I have called JCS and inquired about XXXX they told me the phone number affiliated with it ended in XXXX. That has NEVER been my phone number, ever. I have asked for a statement or billing affiliated with this account from both XXXX and JCS and have not be provided one ever. 

As with the XXXX XXXX, I do not know what this account is and do not recall opening it. I have also asked for a detailed statement and I have not been provided one. When I call the number for XXXX  XXXX provided by Jefferson LLC, they tell me Jefferson LLC is handling it. When I speak to Jefferson LLC, they tell me XXXX XXXX is handling it. Eitherway, I have told both of them that this account is not mine and I want a statement. I have asked several times over the last several years and have yet to be provided anything. 

Recently, Ive received charge off options from Jefferson in XX/XX/2022 but these accounts are not mine so it doesn't feel right to pay them especially when money is tight. Finally, Ive called XXXX XXXX directly today to see what can be done and have been told to do this. I believe my identity has been stolen. The amount of XXXX and {$960.00} are just too close to be coincidence. Jefferson Capital told me it is a coincidence but I don't believe it. Also, I attended XXXX XXXX  XXXX XXXX, so when I saw Jefferson Capital Systems on my credit report I immediately thought it was a student loan. There are just way too many coincidences surrounding these debts. 

Both of these accounts have brought my credit score down significantly and has cost me a lot in finance charges for other accounts I've opened and not gotten better finance rates for. 

I would have been more aggressive with this but I pursue this when I have the funds to make a payment, and the time, as I have XXXX children and twin XXXX XXXX XXXX. I also thought for a while this was college debt due to the name of the collection agency. 

Please let me know what else you need.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX are fraudulent inquiries not made by me!
Product: Credit reporting or other personal consumer reports

Dear Equifax Subject : Demand for Removal of Unauthorized Inquiries and fraudulent accounts Notice of Violation of Federal and State Law I am writing to formally dispute several unauthorized inquiries listed on my credit report and to demand their immediate removal. These inquiries were made without my consent and constitute a violation of federal and state laws that protect consumer credit information. 

Upon reviewing my credit report from your agency, I identified the following unauthorized inquiries : All inquiries from XX/XX/XXXX XXXX XXXX remove them all and account XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not applied for credit with these companies nor have I authorized any such inquiries into my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a permissible purpose is required for a credit inquiry. Additionally, [ mention relevant state law if applicable ], mandates the protection of consumer credit information and penalizes unauthorized inquiries.

These unauthorized inquiries have adversely affected my credit score and overall creditworthiness, and I am therefore requesting the following actions be taken immediately : 1. **Immediate removal of all unauthorized inquiries** from my credit report. 
2. **Written confirmation** that these inquiries have been removed.

3. **An explanation** of how these unauthorized inquiries occurred and measures your agency will take to prevent future occurrences.

Please acknowledge receipt of this letter and provide a written response to my dispute at your earliest convenience. Failure to comply with my request will leave me no option but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office.

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : 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 XXXXEquifax 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 Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.
Product: Vehicle loan or lease

I voluntarily surrendered a XXXX XXXX after it kept breaking down. I paid thousands of dollars to have multiple items fixed and then the engine had to be replaced. I had a vehicle warranty on it, and it did not cover all the parts ( the auto dealership told me it was bumper to bumper ). It was beyond the lemon law time period, and they would not work with me. They sold it for an amount beyond what they have on my credit report after I surrendered the XXXX. I tried settling the amount and they will not work with me. I have disputed Credit Acceptance Corporation 's amount and also asked for them to remove the account off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, Experian and XXXX  and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
Product: Debt collection

( incorrect issue type, could not find appropriate heading ) I paid off previous loan # XXXX on www.speedycash.com with a one time payment by debit card. I was unaware that this action would automatically save my debit card to the account for future use. Therefore when i renewed the loan, the debit card, in addition to my banking infowas listed in the loan documents. The loan documents indicate a saved debit card will be processed " early in the morning '' on the due date. Although I feel this is not a good practice being all financial institutions do not post direct deposits at the same time, my issue is that the website only allows you to change, not delete the debit card information. This is with a valid ACH bank authorization in place. The loan documents indicate the ACH can be canceled per customer request, but nothing is stated for debit cards.
Product: Credit card or prepaid card

XX/XX/2021 this was the 2nd time my Discover card come up missing due to break-in also I could not log-into the account. 
I call Discover and told them about the problem, -new password was set up Account Center Last XXXX # : XXXX Discover logo XXXX XXXX XXXX XXXX your temporary password for Discover.com has arrived Your temporary password is : XXXX phone number and address was verified also the charges on the account was verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like this account to be corrected ASAP : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was informed my Amazon that I would have 1 year from the purchases to not accrue interest on my account with the purchases that bought. When I came home today I found out that Synchrony does not agree with this. Amazon is informing customers of this and it is against the SEC and FCC as well. I have tried to talk with MGR  XXXX  in Kanasas operator  XXXX  and is quite condescending and rude. I asked him if he was a robot then tried to belittle me or berate me. I have been with Amazon for a very long time and I am saddened to say that they are misleading and liars. I would like them reviewed as well as Synchrony Bank on this issue. It seems that they are more than happy to get you in the door but when it comes to actually servicing you, you are kicked to the way side. I tried to get it resolved and informed them I would be filing a CFPB complaint and going forward from there.
Product: Debt collection

The debt collectors called several of my family members pretending to call regarding my job and my safety. Called my family under false pretenses.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXXX/XX/2024 XXXX CARD  XX/XX/2024 XXXX  XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX CARD XX/XX/2024 XXXX CARD  XX/XX/2024
Product: Vehicle loan or lease

I have contacted them several times about unapplied payments on my car loan. They are saying I never made my XXXX payment. Which I have sent over documentations of my bank statement my account tracking number and I have called numerous numerous times and Im getting nowhere with them. My bank says they got their money but Ally financial is saying they did not receive my money and they are porting it to the credit bureau that I miss my payment. On top harassing phone calls, Emails and text messages stating that my XXXX payment is past due ... Top of I have two contracts from the same company with different amounts
Product: Debt collection

See previous complaint with this company. They did not try to verify this account within the required XXXX days, and now wants to begin again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about XX/XX/2023, I reviewed my credit report ( XXXX ) and noticed that there was a collection account by CREDENCE RESOURCE MANA account # XXXX ( Initial Account holder XXXX XXXX XXXX XXXX reporting a balance of {$350.00}. I contacted Credence Resource on or about the latter part of XX/XX/2023 and spoke with an agent to discuss the account. I was informed by the agent that the amount shown on her end was {$250.00}, which is different the what was being reported on. This is a violation of XXXX U.S.C XXXX ( XXXX ) ( A ) : The false representation of the character, amount, or legal status of any debt ; or. 
Credence Resource is also, in violation of 15 U.S.C 1692g ( a ), when they failed to send me information within 5 days after my initial communication.15 U.S. Code 1692g - Validation of debts- ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing While speaking to the agent, I expressively explained to the agent that I did not owe XXXX XXXX XXXX nor Credence Resource {$350.00} and shared they must have something wrong. I checked my most recent XXXX report ( 6.27.2023 ) and noticed that the account has not been marked as disputed according to 15 U.S.C 1692g ( e ) ( 8 ). Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( Please attached XXXX report XXXX & XXXX )
Product: Debt collection

I have 3 accounts with Bank of America. Accounts ending in XXXX, XXXX, XXXX. Ive always managed my cards correctly havent had any problems paying what Ive used, and always tried to keep a good relationship with Bank of America. So recently Ive missed a payment or 2 on one or more of my accounts. I contacted Bank of America to see if they were able to put me on a hardship program so I can catch back up with the relationship that we had. I was then informed that all my accounts were closed and that they were offering some type of settlement. This is unheard of usually accounts are closed after 6 months or continuous non payments i literally only missed one payment on one account XXXX and I believe 2 on the others XXXX, XXXX. I then asked that if I agree to a settlement will can they do a good will and remove it from my credit report and delete the account. They refused and gave me a hard time, stating that will absolutely not happen verbatim. They offered a settlement of 55 % on account XXXX which is unbelievable. I didnt even want to close my accounts or for it to come to this I cant believe a relationship I thought was great is ending like this because of one missed payment. Truly unheard of, I had no intentions on this happening just literally wanted to get on a hardship program to catch back up. I want to come to a solution, Id really like to avoid filling bankruptcy where Bank of America would get nothing but it seems that theyre unwilling to compromise.
Product: Credit reporting or other personal consumer reports

Check that information due to Equifax data breach and the attachment below
Product: Debt collection

Have asked third party debt collector to provide documents to prove this debt. They have not complied.