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

XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open a credit card through XXXX XXXX XXXX XXXX in the amount of {$300.00} opened on XX/XX/2013 by some unknown individual. XXXX XXXX XXXX XXXX  I assume was unable to contact me because I wasn't the individual involved and as a result sold this account to XXXX XXXX XXXX XXXX XXXX a debt collection agency. Recently I had two collection accounts negatively affecting my credit report and FICO score. I contacted all agencies involved concerning my files and after further discussion XXXX XXXX XXXX was kind enough to have all credit reporting agencies delete my files. However when I contacted XXXX XXXX XXXX XXXX several weeks ago they did not provide me with via mail : How the account was applied for, what transactions if any were made on the account, what identification was used to open the account, and/or the address used in the process. Because they didn't provide this information I was unable to file a police report with the City Of XXXX for identity theft. As of today this account is still showing negative on XXXX and Equifax credit reporting agencies adverse affecting my score. 


I truly believe that the government should take action and not allow banks or any other companies continue to open accounts on-line because identity theft has become prevalent in our community. This crime wave has caused numerous of hardships in America and was only enacted because of greed. Now organizations are offering fraud protection programs which is completely unnecessary if we get back to the old way of conducting because which is face to face contact with required identification.
Product: Credit reporting 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 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 has violated my rights. Or list of inquiries 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 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: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Product: Debt collection

I began getting phone calls from a debt collector in XXXX 2016. Despite my informing them I am not the person they are looking for, debt collector keeps phoning me. I have told them they are calling the wrong person and not to call me any more. Last week on Tuesday XXXX XXXX I got a call and both my wife and I told them not to contact me again. Less than 24 hours later I got a robo-call from them and today, XXXX XXXX I got yet another call and again I told the person I am not the one they are looking for. The debt collector replied " well, you are on the internet ''. I again asked them not to contact me again.
Product: Debt collection

I received a phone call from Phoenix Financial Services LLC stating they were collecting a debt from a medical company for services received in 2013 ( 3 years ago ) I told them I was not aware of any debt that my medical insurance did not cover. I asked them to mail me information on the debt so I could research the debt because 3 years ago is too long ago for me to even remember if that happened. They verified my address and said they would mail it to me. I receive a XXXX page document in the mail that does not provide me with any information that verifies that this is my debt. I also mailed a written letter to the debt collector again requesting the information.
Product: Mortgage

I applied for mortgage help on XX/XX/XXXX, SPS servicing continues to request the same documents on several occasion, I contact them to inform them the docs have been submitted and then SPS claims the application can not be processed until the documents are provided
Product: Debt collection

This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH XXXX  XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH XXXX XXXX VA in regard to deleting this inaccurate information.
Product: Checking or savings account

I submitted a bill pay to my XXXXXXXX XXXX XXXX from capitalone mobile XXXX on XX/XX/22 from my checking account. Before submitting the bill pay it said it would be delivered within one business and be sent electronically. After submitting the payment i got an email saying that Capital One is mailing a check to XXXX which will take 5-7 business vs what showed up BEFORE submitting the payment. I called capitalone about cancelling it and they said the only thing I could do was to dispute and it would take 90 days to resolve.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below from my file XXXX XXXX XXXX : {$0.00}.
Product: Credit card

In regards to comenity-Torrid. I made a purchase of {$100.00} dollars to my credit card. They have tried to say XXXXwo times now that my charges did not go through when there was no problem with my card. After the first time they did this, I followed up everyday and made sure there was money in the account, and also seen the torrid statement that said it was paid off, as well as the charge on my bank account. However, they wait for at least XXXX weeks after the due date of the payment to be able to say your payment did not go through, for the purpose of fraudulently charging extra for late fees. I had even made my second payment a couple weeks early while speaking to a supervisor, just so this didnt happen again, and it did. What type of late fee is {$40.00} anyways, thats outrageous. I have spoke with my bank due to there being insufficient funds as Comenity stated and the banker had even said I am probably getting scammed, as I had the money in my account and my card is working just fine everywhere else. So now I am ordered to pay around {$180.00} for a {$100.00} purchase. The most they can say is they MIGHT be able to help with a {$15.00} credit. I am afraid they will keep doing this to me and others, and in the end charge me more money than I can even afford. When you take the time to look this up you can see many complaints about this happening from many others a well, thats why I am reporting this. To stop them from fraudulently scamming our fellow community. Additionally, they have continuously made me not want to do business with my once favourite store. Theyre losing Torrid business by treating their customers unfairly, Comenity-DO BETTER
Product: Debt collection

XXXX has not resolved my dispute about the debt that has occurred in XXXX their are closed accounts from XXXX I've disputed addresses that I've never lived and some out of state debt that is being charged in my name from XXXX XXXX .I 've disputed 11 hard inquiries that I didn't have any knowledge about when I reached out to XXXX disputing the claims no action was taken and I've been fighting my disputes since XXXX starting around XXXX and it's now XXXX XXXX and the disputes sill remain unanswered
Product: Credit reporting or other personal consumer reports

Several check-ups performed without my consent. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize any of these credit checks
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve these issues countless times with compelling evidence. The bureaus state that they have verified these issues and they have never send the original contract needed to prove their investigation. According to 15 USC 1681 ( I ) ... they must prove Accuracy. No debt collector can report to the bureau as the original creditor... XXXX XXXX any such entity that are not the original creditor by law can report my financial issues.. because their not the creditor .. XXXX XXXX XXXX has been paid..I have the XXXX, because I had XXXX XXXX the debt was paid. And any and all Inquiries must be removed.. 15 USC 1681..I have the right to privacy ... This was a Consumer Transaction.
Product: Debt collection

XXXX XXXX merged with XXXX. Balance was paid to XXXX XXXX when service was canceled, 5+ years ago. Debt collection agencies, keep transferring the false debt back and forth to each other and just changing the amount they say is owed, in order to have it placed on my credit report. I have disputed it each time, and each time it is removed for not being able to provide proof of debt. Credence Resource Mgmt sold it to XXXX XXXX in XXXX, it was removed after disputing it, and they sold it back to Credence Resource as of XX/XX/XXXX. I have attached copies from XXXX showing it being deleted, sold and reported again
Product: Mortgage

I have tried calling many times and I am on hold for a very long time. I cant get through the right department. They are reporting that my silent second mortgage had foreclosure started but it was never in foreclosure. I never received any paperwork telling me I was in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Transition on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response within 7 calendar days will be constituted as your acceptance that this debt is not validate. Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX XXXX XXXX
Product: Debt collection

In the month of XXXX I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect a debt from NCB Management Services INC saying that the original debt is from a company called XXXXXX/XX/XXXX XXXX. I do not know who either of these companies are and do not owe any debt to any of them. I am asking for all info involved proving that I owe this debt along with my signature verifying that I owe said debt. I have no Idea what this for and this needs to be resolved immediately
Product: Debt collection

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX Va Police Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided me with a letter that I submitted to all XXXX credit reporting agency. This letter stated that I was removed from the card credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX Please tell me how you did thay.Who did you talk to at the XXXX XXXX XXXX XXXX did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address / phone number on my report? The FCRA says you have 15 days and dont give me the generic response of how you various methods. With the person full name you spoke too. 
ALSO WHAT IS THE DATE OF THE COMMENCEMENT OF DELIQUENCY? THE ORIGINAL CREDITOR IS REQUIRED TO GIVE THAT TO YOU.AND WHEN WILL THESE TRADELINES BE PAST REPORTING TIMEFRAME NOT THE GENERIC ANSWER LISTED ON THE LAST RESPONSE.TELL ME SPECIFICALLY AND WHEN WILL THEY BE REMOVED.MAJORITY OF THEM REPORTING CHARGE OFF AS WELL AS BEING INCLUDED AS LATE PAYMENTS .WHICH ONE IS IT?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.

DEPT OF ED / XXXX XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX  Balance : {$1900.00} ; DEPT OF ED / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; DEPT OF ED / XXXX XXXX Balance : {$3000.00} ; DEPT OF ED / AXXXX XXXX Balance : {$1500.00} ; DEPT OF ED / XXXX XXXX Balance : {$2100.00} ; DEPT OF ED / XXXX XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / AXXXX XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX  Balance : {$1500.00} ; XXXXXXXX XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid for certified letter with return receipt disputing accounts on my credit report.. I havent heard nothing back. Please remove its past the 30 days. Please remove!
Product: Credit reporting or other personal consumer reports

I DO NOT RECGONIZE THIS ADRESSS, REMOVE IT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Child support is reporting this account this inaccurate accounts on my consumer reports. I do not owe a balance, this inaccurate account has caused my credit score to drop over 100 points which has hurt my ability to obtain credit. 

Ohio Dept of Human Services
Product: Debt collection

Reported XXXX XXXX on XXXX XXXX after I reached out several times to the company explain to him this is not my debt identity theft whom ever open a fruad account bad deceptive business practices
Product: Credit card or prepaid card

I received an offer to apply for a Chase Sapphire Visa card. I have been a longtime customer of Chase and decided to apply for it to replace my XXXX card. The application was immediately declined so I called to see what the issue was. The gentleman said you already had a Sapphire card, and you can not have 2. I told him I did not have a Sapphire card, I had a JP Morgan Reserve card years ago, the product was canceled, and Chase opted me in for a Saphire card. I have possibly used that card 1x in the last 3 years as I primarly use XXXX. The rep said he could change my card product to a Chase Flex card. I told him that would be fine. After I went through all of the disclosures, he transferred me to another department to discuss the application. The gentlemen I spoke with there said my application was dead and was never processed due to having the Saphire card, now that I no longer had the card, i would need to reapply for the one I wanted. I did that online and it was declined again. I called back for a third time and was told I never should have applied a 2nd time and that the prior agent was wrong. I was then transferred to XXXX in the reconsideration department who told me that I would have to wait 2-3 billing cycles before I could reapply. I told him I would keep my business with XXXX. He did nothing to remedy the situation or attempt to fix the problem.
Product: Bank account or service

We have several lines of credit wit h US Bank. L ast fall our private banke r (   XXXX   XXXX   ) r eached out to us and said she needed to renew our line of credit. We had never received a letter, email, or phone call prior to this. We had communication through email over the nex t 6 wee ks where she was trying to earn more of our business loans that we use other banks for. We got her our taxes and got the line of credit renewed. Right around the same time we got the line of credit renewed we received a letter stating tha t US Ba nk had hit our credit for late payments. Not once during our communication, where she is trying to earn more business, did she say anything about the line of credit being past due or anything. ( I have all of the email correspondence ) I contacted  XXXX  and she stated that it was their mistake and she would get it taken care of. She tried two times to have their credit department fix it but they said they are unable to.     By the way this line of credit was on auto payment which they shut off. Once again without notifying us. I run several businesses and have lots of notes and mortgages because of this. If I cant rely on a bank notifying me that a payment is due, loan is expiring and so on I will be in for a world of hurt because I do n't know how I would keep track of all of them.
Product: Credit card

On XXXX XXXX I made a {$200.00} payment to Destiny Credit Card online amount for the month was {$89.00}. The payment posted from my bank on XXXX XXXX As of today my available credit is not reflected on my account. 
After calling credit company several times, I was inform that the company has the discrepancy to HOLD my payment for 14 days if they chose to for NO REASON. 
Can the card company do this with out giving a customer a valid reason? 

Also would like to know WHY my account is overdraw by {$21.00}
Product: Vehicle loan or lease

We were buying a new XXXX XXXX from XXXX XXXX in XXXX XXXX IL on XX/XX/2019. 
We paid {$2500.00} by credit card and {$15000.00} in check and did a {$20000.00} joint loan by my wife and me. We both provided our social and driver licenses at the loan application, the finance manager XXXX showed our pulled summary credit reports. And we were told the loan is approved. 

Then on XX/XX/XXXX, XXXX Honda/XXXX/Sales person is asking me for a copy of my wife 's social security card/visa which I declined to provide since the loan is already approved. More importantly, my wife and I have all provided the same information and we are in the same immigration status. They only specifically ask her documents. I think Honda/Honda Financial is discriminating against wife either by her gender or age which is against the lending law/consumer protection law. 

And on XX/XX/XXXX, the financial manager XXXX left me a voice mail ( which I could provide if needed ) threatening me to have to provide the documentation by end of day or I have to bring the card back. I think the lending practice by honda financial is fundamentally based on harassing which is totally wrong. They should be punished by this kind of wrong doing.
Product: Debt collection

received collection letter from TCI ( Total Card Inc ) for a debt received from XXXX XXXX XXXX received from XXXX. My XXXX account is current and I have had no other account. My local XXXX office has moved. I asked for validation and verification of debt and to have it removed from my credit report and received a letter stating they would attempt to do so. That was well over 3 months ago and they are now not responding. I am forced to use this avenue and small claims court here in Montana to resolve this issue.