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

I had a Debt with XXXX  XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, National Credit Adjusters ( NCA ). I was told by National Credit Adjusters that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 

I called XXXX  XXXX XXXX and they told me that only NCA could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling NCA back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through NCA, removed. I do not understand why XXXX  XXXX XXXX and/or NCA will not remove this last account but I would like it either done, or explained. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> RE : Delete this account immediately Accounts : XXXXXXXX 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 To whom it may concern, According to 15. U.S.C 1692c, you have violated my rights by unlawful communications ; please remove these collections off my credit immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING INACCURATE INFORMATION, MY ACCOUNT ( XXXXXXXX XXXX XXXX WAS OPEN IN GOOD STANDING, TRANSUNION CLOSED AND REMOVED THIS ACCOUNT FROM MY REPORT, AND HAS RE-INSERTED THIS ACCOUNT ON MY REPORT WITH A 90 DAY PAST DUE LATE PAYMENT, AND A REOPENED STATUS.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company causing me distress is Experian. they keep reporting false and misleading information on my credit report. when I reviewed all the accounts, I noticed the " date opened '' " date of the last activity '' and " payment Status '' were all inconsistent. I requested a consumer credit application which I signed and they could not produce one. i contacted each of the companies and they also count not produce the consumer credit application so I had to sue them. Experian has continued to violate my rights according to the FCRA.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 card

Synchrony Bank has arbitrarily closed my Care Credit account on XX/XX/year> after doing a soft credit check - according to the company- on my account. The credit available was {$12000.00}. The balance due was {$0.00}. My Care Credit account has always been in good standing and I have had my Care Credit account since before the Synchrony Bank takeover. The reasons listed are very invasive to ones personal financial matters. Its clear that credit card companies have become more financially intrusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with Wells Fargo Bank, NA. 

I filed a complaint with CFPB against Wells Fargo Bank, NA speratley.
Product: Credit reporting or other personal consumer reports

I need all copies of my hard inquires on my credit reports as my ssn was compromised
Product: Credit reporting

We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, there were a few accounts listed that did not belong to me. Here are the accounts listed XXXX XXXX XXXX  Bal- {$20.00} Opened- XX/XX/XXXX XXXX XXXX XXXX- XXXX Bal- {$360.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Bal- {$6100.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Bal- {$250.00} Opened : XX/XX/XXXX
Product: Debt collection

I received a bill in XXXX for a charge of {$170.00} in my name XXXX XXXX. I no longer remember the company. I contacted the company at the time. A male representative could not confirm a claim of debt by said company and informed me they had no such record. Therefore could not send me an invoice of billing. I assumed it is a billing created on the dark web to sell my personal information. I waited for said charges to show up on my credit report. 

Jefferson Capital contacted me by mail XX/XX/2023. XX/XX/2023 they showed up on my credit report, claiming a debt of {$170.00}. They note the original debtor to XXXX. On XX/XX/XXXX I finally found company online and called number given online store I talked with a XXXX and a XXXX. The informed it maybe registrations cost. I asked them to send billing. They claimed they had no billing invoice on file in my name they could send. I asked them to send a letter verifying our conversation to email : XXXX. I have yet to receive email. 

Jefferson Capital gave me an email to which to give correspondence. XXXX given to me XXXX XXXX XXXX XXXX XXXX No one I talked to seem to have access to email or able to interact professionally in business communication to clarify or rectify issues that maybe in dispute. 

Jefferson Capital is unable to verify the existence of their account number XXXX or Reference Number XXXX. Recently someone has been tampering with my credit report and credit card information. I have had issues with my email. Dont know if there is a connection. Yet it came during the time Jefferson Capital began communication with me an attempt to just verify my personal information and identity. 

Enclosed is website information : https : //www.ftc.gov/legal-library/browse/cases-proceedings/062-3212-compucredit-corporation-jefferson-capital-systems-llc XXXX XXXX XXXX  The main numbers I contacted regarding this matter : No one seems to be able to produce a invoice of billing. 

XXXX XXXX XXXX I no longer contact creditors unless I can identify the debt or can trace the company VIA internet claiming a debt, because I been a victim of too much fraud and identity theft. I no longer pay any claims unless the company can produce reasonable explanation of claims. 

I have notice, bad artificial persons want to claim billing 5 years after business has been completed. I assume because they understand a household may not keep infinite records. It is time consuming finding said records. Or worse an employee could misuse personal information given in the course of doing business. Thats why I pay in full for common purchases that may represent leisure. 

I may have never been indebted to {$170.00} to XXXX. I no longer recognize the name as being a company with which I have even done business. It is plausible. Employees can not verify any transactional information in writing that accrued an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 FTC VIOLATION XXXX XXXX, EQUIFAX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, EQUIFAX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.
Product: Money transfer, virtual currency, or money service

In XXXX Cash App closes my account and gives me the option to dispute, for which I do submit a lengthy one. The response I get is that my account has been found in violation of their Terms and Policies, but that they can not tell me what or why. I accept this and have moved on up till XXXX when I receive an email from Cashapp notifying me that my 1099B documents are ready and available for me to download. The documents I need to file my taxes are not available ( error message that something is wrong on their end ). I contact customer support chat and since XX/XX/XXXX have been sent through many rabbit holes and end up back to the very same chat support, for which does not read what I wrote to them but instead I just receive the same cut and paste default messages since when I started the request. Attached are the screens that I am getting from the instructions that Cash app support has directed me to do.
Product: Student loan

These student loans should have been forgiven as they were loans that equaled up to 2/4 years and I only did XXXX semester. I paid over what I should have and no student loans should still be going, no XXXX payments, I can not afford these payments. Please remove these off of all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and i didn't get a response within 30 days and you all are required by law to do so please investigate my disputes. Please thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 



FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX
Product: Debt collection

Asked debt collector via email on XX/XX/year> to NOT attempt calling me at work after they did. She called my work again on XX/XX/year>.
Product: Student loan

I have repeatedly submitted an Employment Certification Form showing I worked for a PSLF eligible employer from XX/XX/XXXX to XX/XX/XXXX. Fedloan Servicing refuses to give me credit for all of that time, which should qualify under TEPSLF. I also submitted a ECF showing I worked for an eligible employer from XXXX, and I have not received credit for that time either. Please update my payment counts to reflect the time I worked at the XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

My name is XXXX XXXX please add this to my complaint also I forgot to mention XXXX CFPB Please also fix the XXXX XXXX or the XXXX XXXX or the XXXX XXXX XXXX support mentioned it that it need to be fixed to be link to XXXX XXXX  please contact me at XXXX and contact me at XXXX my online banking username is XXXX Please fix the code so I can link it to XXXX XXXX by the debit card or the digital card on the Wells Fargo app etc please also do account maintenances on my accounts as wells for the checking and saving and card and digital card link to mobile banking account etc
Product: Mortgage

Our mortgage servicer, XXXX XXXX, notified us that the servicing was being transferred to NewRez LLC effective XX/XX/XXXX. The letter said that by law XXXX had to send us notice within 15 days of that date. We haven't received any notice of any kind from them and it is XX/XX/XXXX today. I called today and the person I spoke to said it took time to transfer the account and that was why we were given 60 days before a payment was late. I asked why we hadn't been notified and she said she was unaware of any laws regarding notice. She said we would get a welcome letter at some point but she didn't know when. I am concerned that they will not get me the information in time for me to make a timely payment and then they will charge me late fees. I have read online reviews that this is what this company does. I want the information I need to make payments and to verify that the amount of our loan and the terms and the escrow are correct. I want it in writing. Thank you! 
I can't give you the loan or account number because I haven't received it from the new mortgage company.
Product: Debt collection

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} ALLY FINANCIAL XXXXXX/XX/XXXX {$13000.00} XXXX  XX/XX/XXXX {$2500.00} XXXX XX/XX/XXXX {$870.00} XXXX XXXX  XX/XX/XXXX {$10000.00}
Product: Credit card or prepaid card

Hi, I have the chase sapphire reserve card op en for 6 w eeks and paid the full annual fee. They decided to close the account on me and refuse to refund the annual fee when I have n't taking advantage of the card- tried calling multiple times and they refused to help or to reopen the account
Product: Credit reporting

I attempted to dispute inquiries with Experian that were not mine and they refused to allow a dispute online even though there was a dispute selection available. I disputed addresses that were not mine and they also refused to delete them.
Product: Debt collection

Several debt collectors have repeatedly called me, my family, and friends in several states with calls at all hours. They are referencing payday loans from XXXX and XXXX. When I moved to XXXX for a new job, I did take out several payday loans for {$250.00} to {$500.00}, but those were settled between XXXX and XXXX. The collection calls started in approximately XXXX of XXXX. The have repeated called relatives, me, and disturbed a very ill friend in XXXX XXXX, XXXX at all hours which has been upsetting to all of us. 
The most frustrating fact is that none of the firms will share any information about the debt - when it originated, when I supposedly missed the payments, and what I owe now. 
XXXX firm asked for {$400.00} as a " restitution payment '' to settle XXXX debts and another asked for {$1500.00}. Again, no details are given. 
The loans were taken out online - and I 've never been contacted by email regarding a delinquency. 
The firms that have incessantly called me, my family, and friends across the US are : XXXX, Premier Recovery Group, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The allegations are : " Theft by Deception '' and " Malicious efforts to defraud a financial institution. '' What 's ironic is that I work for a major XXXX and the staff here are advising me that this could be fraud, since no details are provided.
Product: Debt collection

Merchant Credit Guide is a debt collector trying to collect a debt for a XXXX XXXX XXXX XXXX the owner will have his employees stop calling me and i get phone calls every month and this has to end.
Product: Debt collection

I contacted the debt collector repeatedly, but each time the call was disconnected. I informed the debt collector that the debt does not belong to me and that I have no knowledge of it. I requested that they send a debt validation letter. Despite this, the debt collector reported the debt to the credit bureaus without verifying it and never provided any information regarding the alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its Hard Inquiries On My Report I Dont Recognize
Product: Credit reporting or other personal consumer reports

Greetings! I am reiterating this complaint to follow up on my previous submission dated XXXX  Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER 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 BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received a bill/balance account for {$95.00} from XXXX XXXX XXXX - Chase Credit Card that I have never received/used this credit card. 

I called Chase to XXXX XXXX XXXX XXXX, customer service is not working for this kind of issues.