23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

JEFFERSON CAPITAL SYSTEM submitted a collection account to credit reporting agencies that was previously investigated, resolved and removed from my credit report. It appears XXXX XXXX XXXX sold the debt to JEFFERSON CAPITAL SYSTEM after the account was deleted from my credit report. I requested from XXXX to generate a bill to verify the debt, they were unable to generate a bill. I also communicated that both XXXX and this debt collector as well have never properly communicated to me that there was an outstanding debt and have never provided any documentation after several attempts requesting that they provide documentation. Once again in the report, they are reporting this account to be a XXXX account however when XXXX XXXX XXXX reported the account they reported the account as XXXX XXXX XXXX. These are invalid, undocumented, false statements and I have not received any documentation thus far to confirm the validity of this information. 

Below is the detail information from the prior investigation. 

REF # XXXX XXXX XXXX XXXX XXXX XXXX - CFPB Dispute submitted on XX/XX/20 I called XXXX XXXX XXXX and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX did not. I am requesting that these companies provide proper documentation supporting the debt.
Product: Student loan

Mohela continues to reverse my payments. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i expect payment on XXXX XXXX XXXX XXXX XXXX to be reversed. interest and late fees applied. 45 days past due. I waited a 1.5 hours on hold to be told nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Experian that is hindering my file. this has been hindering my file for a while an needs to be resolved asap. checking my file alot of information needs to be deleted. please review an remove all information filed to process all disputes asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing thorough documentation and evidence to support the removal of these fraudulent items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. It is crucial that immediate action is taken to rectify this matter. I am asking for your help for comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

Furthermore, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; Original Creditor : XXXX XXXX XXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX, XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX  XX/XX/year> ; XXXX XXXX  XXXX XXXX XXXX {$21.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Debt collection

Wakefield and associates has multiple collections accounts on my experience credit profile I have disputed multiple times with XXXX and some of the accounts have been deleted but there are several they are claiming are verified as accurate and refuse to remove this is negatively impacting my credit score
Product: Debt collection

Hello, I have reported this problem many times. I have spoken to them as well as texted and I continue to get daily phone calls for over two years+ now looking for XXXX XXXX XXXX I never heard of. 
Today they called at XXXX am XXXX, It is by XXXX XXXX and leave XXXX as their number
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report.XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX Balance : {$980.00}
Product: Credit reporting

This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Equifax has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. Not only that, but I have provided actual proof to Equifax that they have the public records reporting with invalid information and they have responded that this information is verified. Please explain to me how they can report a date that does NOT EVEN EXIST and for them to say that this is the actual way it is meant to report! I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate. I 've included the proof that Equifax is reporting public records that do not belong on my credit file because they are not in the least bit accurate, valid or complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX while checking my XXXX credit report I found a negative payment showing from XXXX XXXX XXXX.It showed that I was delinquent for {$1000.00} I contacted XXXX to dispute it and it was removed. On XX/XX/XXXX I received a judgement in the mail from XXXX XXXX XXXX looking for the amount of {$2400.00}. I had no idea what this was about and tried to contact them to find out what this was. They could not give me any information so I contacted a lawyer by the name of XXXX XXXX in XXXX. I paid him {$800.00} to retain him and he contacted XXXX XXXX XXXX. They too could not tell him what or who it was for but he told me if he could negotiate it down it would be easier than fighting it as it becomes expensive. He stated that this is the business practice of XXXX they just go in and get a judgement without my having any knowledge whatsoever that they are doing this- never notified at ll. He got it down to {$1000.00} which I paid and was told that my credit would not be affected. Well now my credit score has plummeted as it was put on my Experian report. I disputed it and XXXX XXXX will not remove it. They had to remove it from XXXX  and XXXX  as they had no proof that it was mine and it was not mine. But it was cheaper to pay the money to this company than to fight it. Experian will not remove it and it is not right as it is keeping my score very low. My bills are usually paid in full each month and I believe that whatever information that Experian got from this XXXX XXXX company was incorrect.
Product: Debt collection

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Designed Receivable Solutions Date of Inquiry : XX/XX/year> Amount : {$890.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.
Product: Checking or savings account

On XX/XX/2021 I had a wire transfer fraud on my account and I did not authorize this activity. I bank with Chase I immediately filed a claim on XX/XX/XXXX. The fraud department that handles wire transfer fraud told me they are sending out a packet to my residents. When I receive this packet I must fill out and return. 

My local branch manager was assisting me in this claim and ask for the department to these document via email. The department said this a a packet we need to send to the client which is me via mail. 

I waited over one week to receive this packet and I have received nothing. The day is Saturday XX/XX/XXXX XXXX after waiting on hold and being transferred to multiple departments I ask a customer service representative may I speak with a manager. I get sent to XXXX in escalations department. I tell him my situation he notifies me that a branch manager can upload the document and I can fill the affidavit at a local branch and he can fax it. 

I drive straight to my local branch and I let the branch manager know what XXXX told me. The branch manager  calls Escalations department and ends up talking to XXXX the same person I finish speaking with 10 minutes ago. The branch manager said the client is in the branch. XXXX walked the branch manger through the process he printed out the affidavit I fill out the document and the branch manger fax it straight to the Fraud department and deals with wire fraud. 

The day is XX/XX/2021 I speak with a representative from the fraud department and he lets me know the decision will take 2 to 3 business days. I call after the 3rd day I am on wait so long that an automated message tells me to call back. I call the branch manger that has been helping me and says it will take 6 to 7 calendar days but no decision. 

the day is XX/XX/2021 no update and all I get is the department is backed up.
Product: Checking or savings account

On XX/XX/2023, I disputed a charge on my Apple Credit Card that was not authorized. I followed all of Apples instructions to update my password as they required that I change it. They then without any communication, locked both my savings account with substantial funds and my Apple Card. 

I have contacted them multiple times and they will not provide any access to my savings account until a review takes place. Despite phone calls, text messages and escalations, they will not provide access to tens of thousands of dollars that I have in their account. I can not make rent or pay my bills. 

I am beyond upset as they should not be able to lock my funds. I am considering all legal options.
Product: Debt collection

I called Amsher XXXX Collection on XXXX/XXXX/2016 and made a settlement of {$390.00}. I called back on XXXX/XXXX/2016 because XXXX needs more information on my account in order for them to release and unlock my phone as I was promised by XXXX XXXX XXXX as per our conversation recorded for security purposes. Now I am being charged {$98.00} as per XXXX different collectors ( recorded calls remember ) attend my call they had my XXXX up giving me the run around finally after XXXX of giving me the run around finally XXXX XXXX Production Supervisor comes on the phone trying to justify with words defying and being nice but rude towards me she would n't even let me talk to the CEO of the company. I ask for his name it was denied over the phone so I skipped traced and found it, I would love for if you can hear it too. What a professional company??? it looks like it should be for clowns.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3300.00} XX/XX/2020 I DO NOT HAVE SS XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number ending XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud.
Product: Debt collection

LVNV Funding continues to pursue a debt i do not owe. Ive asked them for the original contract between me and them months ago. And still one hasn't been produced. Also XXXX XXXX, and XXXX  continue to report this and ive never given my written consent to furnish my information. 
According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 

1. LVNV Funding XX/XX/19, XX/XX/19 2. XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called TransUnion on XX/XX/2021 to do a follow up concerning unauthorized inquiries.They told me theyll do a new investigation when they responded to my cfpb complaint but when I called they told me it wouldnt be a new investigation. 

TransUnion has failed to show any permissible purpose/proof under section 604 FCRA. 

I demand inquiries be remove/delete or I will be force to settle the situation in small claims court. 

Note*list of unauthorized inquiries will be downloaded in cfpb attach documents.
Product: Credit reporting or other personal consumer reports

I legally changed my full name in spring of XXXX. I recently noticed Experian never updated on its own from my credit card reporting. I uploaded all necessary documents online to update my legal name with Experian and received a copy of my credit report shortly after via USPS, showing the update. 

However, my credit file appears to be split or something now. When I log in to my Experian account online, it shows me my former legal name on the credit report and says I have no credit score, all accounts and history have vanished except for inquiries. I also received an email from Experian stating I have no credit score. 

My credit card is through my bank ( XXXX ). XXXX uses XXXX XXXX, which pulls an Experian vantage score for its clients. XXXX XXXX is now also stating that I have no credit score. My bank and credit card were updated last summer when my legal name change was granted. My credit card is and has always been reporting correctly. 

I have called Experian multiple times during XX/XX/XXXX in attempt to get this fixed. One gentleman I spoke with provided me with a case number. Everyone Ive spoken to seems to think theyll be able to fix it with whatever form theyre submitting but it never happens. This extreme error on Experians behalf is going to cause me to be homeless, as I need my credit ran to secure a new home. This situation has caused me extreme emotional distress. 

I am submitting the paper copy of my updated credit report that Experian sent via USPS showing the name change with my complete and accurate credit history. I am also submitting a screenshot from my online Experian account as it is today, showing my former name, no credit score, no accounts, no history. Lastly, I am submitting screenshots showing that Experian emailed me stating I have no credit score and XXXX XXXX stating I have no credit score. 

This must be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX  equifax and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.
Product: Vehicle loan or lease

I spoke with and Representative on XX/XX/XXXX and told them that I would still be make the plan arrangement on XX/XX/XXXX due to my payroll company has been messing up for the last pay periods. I was threatening that my car would be repo and they can cut it off while Im driving that will endanger me and my family. I called back today spoke with a Supervisor I told him since I got this vechile my payroll hasnt been right he said you have 8 arrangements that you didnt keep I explained to him like did all he other representatives that I couldnt control that our company was changing payroll company and the process has been bad for us. He told me you need to pay today or you will be repo or disable. I told him I was make the payment via credit card he was rude and than I told him yall keep calling and threatening is illegal I will be reporting it he said O we are federal regulated. This is the only transportation that I have for my family yall threatening to take and if I file this report I think they gone try to take anyway. High interest rates as well I wasnt explained this at the dealership
Product: Money transfer, virtual currency, or money service

I have an active stalker/hacker/scammer care. XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX cash app. Has hit and taken money from everyone. Cash app refuses bank dispute and we are at approx. 10 days and I have provided a police report and Federal Identity theft alert. A ton of evidence in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have requested an accounting of payments made and an original signed contract from this debt collector, yet it has been over 60 days and they have not provided this information. They were send a letter and were also asked via phone. After asking via telephone the customer service representative laughed at my request.