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

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX CAPITAL ONE : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX
Product: Debt collection

On XX/XX/XXXX, Credence Resource Manage showed up on my credit report. Once I looked at the company it showed a debt for XXXX XXXX that I had opened on XX/XX/2020. I have no knowledge of me opening any account especially if its cell phone or internet related since I already have those connected and I have never been late. On XX/XX/2020 I have disputed the false debt through the credit bureaus but it still shows on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account nameXXXX XXXX XXXX XXXX  # unknown XXXX. Account name- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make and 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 XXXX years. 

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

They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i disputed a closed collection case with a past due balance. The account was open in XXXX in which it should be deleted due to new jersey statute of limitations. 

n I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as, having a BALANCE of {$810.00}. 
This is a violation of the FCRA and is in violation of requisite Compliant reporting standards. According to the Fair credit Reporting Act I have the right to a completely accurate credit report,
Product: Debt collection

AAFES charged off  XXXX  accounts in  XXXX , in  XXXX  they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since.     " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in  XXXX  so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE  ILLEGAL!     Hopefully at some point  AAFES  tactics and lawlessness is brought to justice.
Product: Debt collection

I have a collection that reports as open on my credit a collection cant be a open account. Also I do not owe any collections to anyone. I request this company to delete this account from my credit reports asap
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has severely affected my life, causing considerable stress and XXXX. I must emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with Experian and XXXX. Experian has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a XXXX report. 2 accounts remain and I have received emails from Experian stating that XXXX and XXXX ( 2accounts ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and Experian ). I have also wrote these two companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a 1099-c so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.
Product: Debt collection

I had a XXXX account back in XXXX and I removed my account in XXXX when I got married. The was other people on the account and it closed early of XXXX. Money was owed but it wasnt me who owed it. Also a second account by XXXX was opened and tried to bill me but I told them it was my phone number or me who opedned the account and had to contact XXXX twice to close that account. It was brought up again in XXXX but disputed and closed. Now in XXXX it is brought up by Jefferson Capital Services who put a debt collection on my credit report. But it also doesnt show its from a XXXX account it shows it as a new account from XXXX, making my credit score lower. I never record a call or mail in the paper about the collection, I o my noticed when I had to check my credit report.
Product: Debt collection

XXXX  OneMain Financil location called from XXXX ( XXXX ) XXXX XXXX from OneMain Financial called. My car payment was one day late and I did cancel my payment. There some other things that took place with my family that week and I had to take care of that. I explained that I would call back to make the payment before the holiday. XXXX continued to be pushy and started to use language like the loan is secured by your vehicle as if to intimate me. I told her I am aware of that and I will be sure to do this before the holiday. She continued to pressure me and I continued to say I have something going on with my family might at that moment and I finally had to hang up on her. 

I went online to pay the payment because OneMain already called me earlier that day about two hours before. I knew if I did not submit the payment today they would continue to call because sometimes they call XXXX times a day. This is not first time someone from one of their offices has called be being a total jerk. They have no tact when speaking with customers and treat us like a collection cases of people with no value. This is why I dont like talking to them on the phone and ignore the calls if I can not make the payment right then. They make consumers feel worthless and they are very aggressive. 

I called back and asked to speak with XXXX supervisor and they were busy. I told her I did not appreciate her tone and her response was she was just doing her job. Admittedly, I told her that she did not have to be an ahole when doing her job. I was very upset to be interrupted while at was dealing with a family emergency. I should not have said that, and I do apologize for it. She made me feel bad about myself and had no empathy. She does not know what is going on in my life and I dont have to disclose it. People should be treated with respect instead of a task to collect money on their dialer. How does she know if someone did not die in my family that week? She didnt, all she could do was worry about the payment so she could do her job.
Product: Debt collection

These is from XXXX XXXX XXXX, I move in 2020 to a new location I cancel all my services with XXXX XXXX XXXX and XXXX took over my services. I am using the same phone number and in order to have another company to accept you your account need to be clearafter a year I get a bill from XXXX XXXX XXXX I call them when around I dont no how many times and diferente manager from different department tell me that was a mistake, that will be taking care. Know I see that is been place on collection, an no one has contacted me to let me no, I dont have any balance with them at all. Do I need to get an attorney. Please help me with these matter, I was a costumer from XXXX XXXX XXXX for over 30 years, and because I change carried due to the high bills, they trying to do these.
Product: Debt collection

Had an XXXX on my vehicle it was never detected by the toll system and a bunch of them went into collections I was not aware I thought they were bills. Id like to remove them from collections and the fees removed so I can pay them via my XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was an account open in my name from XXXX XXXX in XXXX Texas. I have never been in Texas or lived in Texas. I filed a dispute with the company and with experian. Experians results say that it's going to remain on my credit till XXXX. 
I've lived and worked in Tennessee for atleast 4 years. I don't understand how this fraudulent account is going to stay on my credit report.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

I have gotten cell phone calls from Associated Credit Services XXXX XXXX demanding payment for a medical debt that was paid in XXXX. The caller said they would continue to contact me unless I sent them proof of payment. I directed the agent to contact XXXX XXXX XXXX billing dept at XXXX XXXX XXXX to confirm the payment of XXXX.. ( payment of {$50.00} XXXX & {$310.00} XX/XX/XXXX. ) I also asked why their client did not notify them of the payment. I contacted the group to confirm that they had gotten my payment. I was told by XXXX XXXX XXXX that I did have a XXXX   balance on my account. I was told by the agent they would forward this information to the collection agency. This call was on XX/XX/XXXX. 

Today XX/XX/XXXX I got another call from Associated Credit Services demanding payment on the dept. I told the agent it had been paid in XXXX and they were trying to collect on a debt. that was already paid. I was told they would continue to call me until I send proof to them that I paid the bill. I said they needed to contact their client. I have never heard of a situation when a client wouldn't notify the collection agency of a payment. The caller refused and said it was up to me to prove I paid. 

Again I called XXXX. and was told this would be communicated to ACS and confirmed that there was a XXXX   balance due.
Product: Credit reporting

Equifax continues to report incorrect infromation on my credit report. XXXX XXXX XXXX accounts XXXX and XXXX, issued a XXXX. Equifax needs to update their records showing that there is a XXXX balance as they are showing an open balance. Also, they are reporting incorrect data on XXXX acct # XXXX, as this account was a faudulate and should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account shows a lot collections and charge offs that are incorrect. It says my equifax score says XXXX but my actual equifax score is XXXX via equifax website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017, I spoke with Amsher to dispute the XXXX account. I explained to the manager that I did n't owe {$1000.00} to XXXX and that I had never received the itemized bill proving to me valid charges. The supervisor said that she would file the dispute with XXXX and make sure that they send alleged charges to me. She also stated that I would not be reported to the credit bureau. Instead I was reported to all bureaus without a thorough investigation of the charges. I do n't owe XXXX {$1000.00}. Please have them remove this item from my report. 

In that same day you send me a notice telling me you could n't serve XXXX. I advised XXXX the manager that I file a complaint with your office but it could not be served On XXXX. She advised me to give their address. The same day, after being told it would be investigated, they put it on my credit bureau reports.
Product: Prepaid card

I lost my card and XXXX XXXX sent a replacement card. I called to activate it in XXXX and they immediately transferred me to the fraud department stating I was not allowed to access my card without verifying my ID. After multiple attempts to do so I still do not have access to my social security deposits since XXXX and it is almost XXXX. I am borrowing food from neighbors and missing rent because of it. I dont know what to do to get my money. Their wait hours can go on for 2+ hours and they hang up without any notice or call backs. I have screen shots and emails proving they are hanging up or not picking up and that they refuse to verify my ID after sending the proper forms of ID. I opened another bank account so social security can direct deposit my money but I still lost access to 4 months or my social security money. Im scared and dont have any money.
Product: Money transfer, virtual currency, or money service

Im new in the XXXX environment. I have a new job and Im getting paid through PayPal. The very first time I receive a payment of USD {$140.00} from XXXX, then I was offered to be paid directly to avoid XXXX fees, so I gave my employer my PayPal, he sent me a first test payment of {$10.00} and then another payment of {$710.00} which was my normal payment but the money got held for 21 days and nobody could explained why was it. So, I decided to refund the money back to my employer. To avoid the same 21 days issue, my employer sent the payment as For Friends and Family just trying to help me get my payment as I worked for it. NOW, my account got blocked out of nowhere and my money will be hold for 180 days WHICH IS INSANE! I just need my money as soon as possible, I do understand PayPal have their fraud protection policies and all that but this definitely not the case, Im just trying to get paid and they just hold my money every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to XXXX as well as Experian. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for XXXX and Experian. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company states that my name, address, and personal info was used to open the account but that still doesn't make it mine. The XXXX account is not mine and i wont it off my report. Just because they say it's mine doesn't make it true. How can they put this on my record? Did they see me do it? What proof do they have? Make them delete this from my record and there little comments ...
Product: Debt collection

Received phone call from XXXX XXXX XXXX. I called back. They are claiming to represent a mediation for the company easymoney for a loan from 2019. They had all my personal information. They stated that they are going to sue me for XXXX . I called easymoney at XXXX. They have no record of any loan with me.
Product: Credit reporting

I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

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

i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since XXXX.
Product: Credit reporting

Transunion has not removed! XXXX via XXXX XXXX multiple hard inquires XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft and I have plenty of unauthorized accounts/inquiries listed on my credit report. There's also a bankruptcy listed and it's not reporting 100 % accurate because it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need all accounts and inquiries that are unauthorized removed immediately!