23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI FIRST CREDIT SERVICES/XXXX XXXX XXXX XXXX XXXX for both accounts of {$110.00} and {$110.00}?!!? ( for account # XXXX & XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : Experian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} Equifax : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had tow late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibillity to report consumer information to the best of their abillity whit maximun accuracy. I have never been late on payments fot the account : XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be uptated to on time as they should be as I was never late. 
Thanks
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Discharged reference XXXX
Product: Debt collection

I am a victim of IDENINITY THEFT FTC case XXXX reported to usaa XX/XX/XXXX. See attatched XX/XX/XXXX XXXX  Report # XXXX USAA account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX USAA  CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH USAA. See attatched XX/XX/XXXX 1099 C DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH USAA.
Product: Debt collection

I have a collection listed on my credit report that has never been validated. I dispute it and get no resolution. I am unsure if it was opened fraudulently or what because no contact has ever been made in regards to this. I am the spouse of a military Veteran that is completely XXXX and any valid accounts that were opened in my name, would reflect an interest rate capped by the SCRA due to my spouse being XXXX XXXX and deploying. I am unable to verify the account info, to see what this is and if the military lending act/SCRA was applied if it is indeed a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING TO PURCHASE A HOME SO I STARTED LOOKING INTO MY CREDIT REPORT AND FOUND SERVERAL FRADULENT CHARGES ON MY CREDIT REPORT WHICH INCLUDES XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED ON XX/XX/XXXX ALSO XXXX OPENED ON XX/XX/XXXX, THERE WERE ALSO SEVERAL HARD INQUIRIES ON MY REPORT WHICH I HAVE NO IDEA HOW THEY AREON MY REPORT BECAUSE I HAVE'NT APPLIED FOR ANY CREDIT IN SERVERAL YEARS THESE HARD INQUIRIES INCUDE XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I tried to cash my money order at Walmart, and it wouldn't process. They then further mentioned they couldn't process my request because my credentials were on hold, and that possibly because someone used my identity to make a XXXX dollar check cash back in XX/XX/2020.
Product: Debt collection

An amount of XXXX $ had to be paid that I forgot to pay but now I paid the full amount still collection is appearing on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

Loan company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had insideLoan  company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had inside
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. 
XXXX XXXX Bank XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I tried reaching out to the furnished to remove late payments because they are hurting my credit and I received no reply. Furthermore, I reached out to the credit bureau ( XXXX ) to just delete the profile from my credit since the furnished refuses and the credit bureau refuses. There is no balance owed on the account. Account is paid in full.
Product: Debt collection

For the second time in the last two years Quality Loan Service Corporation has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that Quality Loan Service Corporation did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to Quality Loan Service Corporation in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with Quality Loan Service Corporation to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and Quality Loan Service Corporation should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.
Product: Debt collection

Checked my credit and saw two accounts from capio partners for XXXX XXXX XXXX XXXX in the Amounts {$200.00} and {$250.00}. I never received notice of those debts and theyre HIPAA violations. I didnt sign a medical release for my billing information. Medical billing codes are Just as confidential.
Product: Debt collection

I have never gotten a loan from Nissan Acceptance and have no idea was this is reported to XXXX and would like it removed as soon as possible. This has never been a collection or charge off that should be on my credit at all.
Product: Debt collection

I have contacted the company IQ Data International multiple times regarding an alleged debt owed. They are rude & unprofessional. The guy I speak with only prompts me to pay the amount owed. My first problem is that the amount is inaccurate. The original entity that charged the debt had inaccuracies on the final bill statement provided. The first inaccuracy being the amount charged, as they charged us for late or not returned items, and that entity were the ones who would not accept the items in XX/XX/XXXX stating that it was already sent to collections. However, that was false as the amount owed was not sent to collections until months after XX/XX/XXXX. Furthermore, when they provided the final statement, my name was not included. Therefore, I was not aware of the responsibility of the balance owed. ( I will provide final statement ). After months have passed, I see the collection on my credit report, although I had received no communication about the debt. When I contacted IQ data international about the debt multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they will not provide me with any details regarding the debt. All they ever say is I can pay the debt to get it removed. However, I stated to them the inaccuracy of their reporting. They will not explain why there is interest being added to the rental debt, and they will not provide me or creditors with documents that support the charges occurred. I have asked for pictures and invoices that confirm the charges that were occurred by the original entity. They will not provide me with any information or change the accuracy of the report. They claim it is a joint account, yet the amount is not split jointly, and as Ive stated, my name does not appear on the final statement. Please help.
Product: Credit reporting or other personal consumer reports

TAC Acceptance Group ( Texas Auto Group ) is reporting false information on my credit report. I filed a XXXX XXXX bankruptcy in XXXX of 2023 and the vehicle was included in that. The vehicle was returned to the Texas Auto Center after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my XXXX credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my XXXX Credit report as being 30 days late, which also made my credit score drop over 60pts. 

I have filed a dispute with XXXX 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX credit card inquiry XXXX XXXX XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.
Product: Debt collection

I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Receivables Outsourcing is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Receivables Outsourcing and me which entitles them to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Receivables Outsourcing being entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Credit card or prepaid card

Product : American express Premier Rewards Gold card Date Opened : XX/XX/XXXX Promotional offer : XXXX Membership Rewards points after {$2000.00} in spending within the first 3 months. 
Date Spending completed : XX/XX/XXXX. 
Online chat with American Express Chat Rep " XXXX '' and " XXXX '' XX/XX/XXXX after points not credited. Confirmed offer was applied to this application and account. Was told investigation would be opened with maximum of 8 weeks for resolution. {$10.00} credit for inconvenience was offered and accepted, however was not credited. 
After 8 weeks, points still not credited. 
Online chat with " XXXX '' and " XXXX '' XX/XX/XXXX. Per this conversation investigation is still ongoing with no date of resolution. {$10.00} credit still not applied. Uses phrases such as " no comment '' and " can not provide further information. ''
Product: Credit reporting or other personal consumer reports

They keep reporting to the credit reports I had late marks 1 60 days and 2 90 late marks. I have disputed it with the creditor XXXX XXXX XXXX XXXX  and they are reporting an address that I never lived at which is still reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. This account had been paid in full and it says the late payments were from XX/XX/scrub>XXXX XXXX
Product: Debt collection

I paid 8 medical collections with Medical Data Systems. Upon payment I was advised they would remove the accounts from all 3 credit bureaus. To date the accounts remain on XXXX. When I disputed the accounts with XXXX, Medical Data Systems advised me to not dispute the accounts and because of the dispute is the reason why it remains on the report. It is within my rights to dispute inaccurate items on my credit report and thus illegal for Medical Data Systems to continue to report inaccurate information. In addition, to them ill advising a consumer not to dispute information on the report when it is my right as a consumer.
Product: Credit reporting or other personal consumer reports

I need these inquired deleted I didn't authorize, and without business purpose. Please help me remove these unconfirmed inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX
Product: Credit card

On the american express website, I was offered to obtain a second card. The way I read it, amex was simply inviting me to get a second card for the person of my choice. Since I already have a card, and since it appeared as an invite, I just assumed that they would be sending me the second card. Rather, I received a notice of rejection, which notice contained no reasons whatsoever. I have been a customer of amex for three or four years. Their way of dealing with a customer is bad and insulting. Their treatment belies their statements that theirs are " valued '' customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX  XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXXt {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Capital  One Auto Finance has been reporting unverifiable and inaccurate information on my credit which has da maged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Product: Credit reporting or other personal consumer reports

Received Chex systems .... noticed numerous inquiries... asked Chex system to investigate .... was met with resistance and put burden on me ...... I reiterated that frca clearly states ... .. creditor needs to furnish evidence and Chex systems needs to provide evidence in a timely matter .... with reluctance they agreed but within hours ..... I start receiving negative results.