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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/20 I was alerted that my credit rating dropped several points. 
I investigated and found it was from a collection agency called IC System. 
I called the company first thing in the morning XX/XX/20. The agent told me the {$450.00} debt was from XXXX XXXX. 

I told the agent rather than paying them, Id rather call XXXX and get back to her if necessary. 
I found the receipt for our in person return of all equipment from XX/XX/20. 

I called XXXX the following morning and found I had a balance of {$130.00}. 
I immediately paid that balance over the phone with XXXX. 
I asked the representative at XXXX to check and see if she showed any other debt to their company. After searching My name and account by state, birthday and ssn she confirmed I had no other outstanding debt. 

I called IC System back and kindly asked them to remove the debt due to the fact I had paid XXXX and was willing to provide receipts, account numbers, etc. that validated that the equipment was returned and bill was paid. 

The agent XXXX XXXX was not interested in the fact that I had proof that I paid all debt and returned all equipment to XXXX. 

IC Systems best solution was to pay 70 % of {$450.00}. I was not comfortable paying any money I dont owe. 
Although I have documentation IC System refuses to acknowledge my receipt that shows the corresponding account number matching theirs for my account and is unwilling to remove the inaccurate derogatory item from my credit record. 
I also never received communication by mail from IC System regarding this account. 

The timing of this is painful during a national Covid19 pandemic. 
I am preparing to send my daughter to college in a few months, so the impact on my credit is exponentially damaging to our familys plans. 

IC SYSTEM is using reckless tactics to collect a bounty that has been settled. Their collections methods are unscrupulous and lack integrity. IC Systems lack of willingness to acknowledge settled debts shows gross negligence due to the fact that they are deliberately maintaining the derogatory status on my credit reports which is adversely impacting my credit rating.
Product: Debt collection

I sent a letter to Huntington Debt Holding requesting specific information in regards to an account theyre reporting on my credit report and have yet to hear anything back in regards to that letter.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.
Product: Debt collection

During process of purchasing a house in XX/XX/XXXX I shopped for home owners insurance. XXXX was XXXX of several companies I inquired but ultimately went with XXXX. Without signing any contract and after verbally telling XXXX I was going with XXXX they claim I owe them {$240.00} for insurance coverage and hired a collection agency. I sent the collection agency a copy of my insurance policy and a written letter explaining why I do n't owe this money. They have dismissed this and continue to try to get me to pay. As I have said, there was no contract between XXXX and myself. Now I 'm concerned about my credit and property over a false claim.
Product: Checking or savings account

About one month ago, my bank account with Chime has been suspended for any reason. I called the customer service and they said I have to send email with my verification information, I did send the day and no responses. I received saying that they still need more information and I send them all document I have. They still saying that They can not verifies. Every day, I have to call 45 mins and talk to a manager and send 20 email but still received the same response. they say my account can not be restores if I do not send my information but all people I talked to saying they sent my information but I do not know why it still not resolve. I asked to close my account and the service customer saying it can not be close because it suspended. They holding my pay check from my job about 3 weeks now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no purpose
Product: Debt collection

The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If DIVERSIFIED ADJUSTMENT SERVICE does not have any documentation other than a bill that th ey printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Debt collection

My daughter went to the XXXX after a wreck she was in with me. She currently has XXXX and did at the time of service. Her father has full custody and is responsible for all medical bills. At the time she needed med attention right away so I took her. They contacted her father and got insurance information. A few day later I got a call from the hospital saying the insurance was denied because the car insurance of the other driver was responsible and got the ticket. Her father contacted them and they agreed to pay the bill after all. About a month later I get a call from United Revenue Corp. I explained everything even gave them her fathers number. They stopped calling me then I saw this company on my credit report. I called them and they were very rude. Said I had to pay this. We called the hospital and they claim XXXX paid the bill. I told this collection agency this but they said they have not received anything form the hospital. I told them even so I am not responsible for medical bills for the children as part of my divorce agreement. I am solely responsible for child support and educational bills for my children. They did not want to hear it my ex husband called they would not even talk to him about the account. Somewhere between XXXX and the hospitable and them there records are messed up and this is effecting my credit now
Product: Credit card or prepaid card

On Friday, XX/XX/2018 I was making a payment online for {$1300.00} on my American Express credit card. Mistakenly I added a zero and made it for {$13000.00}. I did not catch this until Monday XX/XX/2018. Called American Express, talked to a rep that said the only way for the refund was to mail a check or wire transfer. I am suppose to get the difference of {$11000.00} and leave {$1300.00} on my account as payment. I opted for the wire transfer. He said it would be 3-5 days. When 5 days was up, I called back to see why it hadn't come to my bank and I was told 7-10days. When 10 days was up I was told that the funds had to be verified. They verified the funds were taken twice during the 15 days I have been trying to retrieve my money. Now, i must say, there wasn't {$13000.00} in my account so it bounced back 2 days after the initial payment. Then they retook it again and at that time there was {$13000.00} in there on XX/XX/2018. I call every day, several times a day ( 3-4 ) and get a different answer from different people after continuosly being transfered to different departments. In talking to a manager on Friday XX/XX/2018, he said let 's do a check and it will definitely go in the mail today. Called Monday XX/XX/XXXX and Tuesday XX/XX/2018 and was told the case was reopened? I have no idea what that means. I talked to 7 different people on Tuesday XX/XX/2018 from XXXX - XXXX ET. Was told by XXXX they would overnight mail a check to me by Wednesday XX/XX/2018. Needless to say I have requested 5 times for an overnight mailiing and was told there is no way to do that. Now all the sudden they can. 

I have been a member with American Express since XXXX and always paid on time and way over the minimum payment due. I can't believe this is how they treat their customers. This wasn't just {$100.00} overpayment. This is {$11000.00} over payment that I have been trying to get back for several weeks now. I have been without any ready cash all this time and alerted my bank about the situation. They were kind enough to waive any and all overdraft charges. 

Unfortunately, I am going on an already paid for cruise on XX/XX/2018 and have no cash. Please help me in making sure this does not happen to anyone else and that American Express executives are aware of the poor customer service I have received. 

As of now, I still do not have my over payment back.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt-Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts. Avant Balance {$12000.00}, XXXX XXXX XXXX {$3600.00}, XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX Bankruptcy reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

i have determined one account reported to my account twice one was original creditor and second report was debt collector.i have requested debt collector verified my account requested XX/XX/XXXX and received answer was XX/XX/XXXX for verification of my account then i discovered i have 2 negative account reported same debt i requested both companies for deletion but it is not happened.i m going to send you attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXXXXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Product: Mortgage

Yes, the bank M & T Bank signed a document before placing on my home title a Notice of Default they are required under the California XXXXil Code 2923.55 c Declaration of Compliance before taking such an act as placing a notice of default or pre-foreclosure. They attested they could not make contact with myself and spouse and that the bank satisfied the due diligence efforts that are required under 2923.55 ( f ). In that code it states the BANK MUST MAIL A CERTIFIED LETTER WITH A RETURN RECEIPT as the final step. I am requesting the proof they assert to produce the certified letter and receipt with tracking number FROM XX/XX/year> with the tracking number so I may verify if it was mailed and received by the code they should or need to produce that document. I am asking them to verify and confirm they did. Thus far they have not produced I either want them in writing to confirm they do not have it or produce it and give it to me as I am entitled to my rights as a homeowner. The Bank provided a statement stating the diligence was done it was not as they claimed especially by XXXX XXXX XXXX XXXX XXXX of M & T Bank the same day a previous complaint was closed. I have new information to submit a new complaint of unfair practices. The tracking number verifies at the time of the letter it was not sent nor can we confirm or can it be confirmed.
Product: Student loan

I tried to login to my online account to check the status of my accounts when I was prompted to a screen that said " Navient account XXXX error code XXXX. '' I than tried to reset my password, thinking maybe this was website error and was prompted to the same error code screen. I than contacted Navient at XXXX and spoke with a customer service representative that I explained my login issues with. He informed me my account was XXXX and he was unable to see anything from the " back office '' as he explained. He said I could n't login to the website for six months. Than he told me he was transferring me to the " back office '' department who could assist me further. I waited until I spoke with a repetitive who had trouble deciphering the issue I had called originally to speak on. He stated my loans were in a charge off status and that I could n't login to the website to make a payment or check any status of loans. I explained to him I was looking at a screen shot of XXXX loans ( # XXXX and # XXXX ) that had been XXXX days past due and had {$0.00} currently owed and my next due date was XXXX/XXXX/XXXX. Both loans stated this information. I asked to be transferred to a supervisor who had been given the reason of my call. He stated all my loans including the XXXX that stated they were current, and had zero currently owed were also charged off in XXXX of XXXX. I once explained this could not be since I was staring at a screenshot of the loans from XXXX/XXXX/XXXX showing both loans current and {$0.00} currently due with a next due date of XXXX/XXXX/XXXX. He explained he could n't help and transferred me to an unnamed department with the phone number XXXX. Upon transferring me to this department I was prompted by a voice recording saying to leave my information and they would respond within three days. I am beyond upset and frustrated how I first could n't login to view any loans online. Secondly, I was told loans that I had a screenshot of saying current and no payment due, were now being told they were charged off and they had no explanation of how or why I had very different stance since I was staring at a screenshot of both showing current XXXX/XXXX/XXXX. I have had multiple payments be misapplied in my history with XXXX XXXX which than became Navient. I have had multiple login issues online. I have had multiple times where current loans were being called on auto-dialer systems not only to me, but also to co-signers. I have n't received XXXX collection call or letter from anyone referencing these XXXX loans I am now being told are charged off when I have an actual screen shot from two days ago, showing very differently. The next step is contacting my attorney is this matter is not resolved quickly. First off this is a violation of FCRA debt collection practices since these XXXX loans were current and have never received any communication regarding them charging off. I have had issues with Navient previously regarding XXXX and Cease & Desist laws pertaining to me and my cosigners who were called on current loans. As I stated I will be contacting my attorney, the XXXX and the CFPB.
Product: Money transfer, virtual currency, or money service

I was scammed by someone pretending to be a government official. He unfortunately got {$2000.00} out of me. I did contact the bank with all the info, account number, amount etc. 
My bank said they contacted Wells Fargo and got no reply. They gave me a trace number but I am clueless as what I am to do with it. 
Please advise if you can.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ; Account : XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XX/XX/XXXX, Comenity Bank/XXXX XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Comenity XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.