23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hell and happy Saturday! I'm not sure what's going on but i noticed that this collection from PRA on behalf of XXXX XXXX is still reporting on my XXXX  report. It was deleted and then re-appear without notification. I had called, email, fax and mailed out the letters! How is it possible that it still reports on my credit report whereas i haven't received any proper notification and none has responded to my investigation? I was 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: Checking or savings account

Sometimes in XXXX, to the best of my memory, is when I closed a savings account that still had a monetary balance on it. 

Upon closing the account, I asked the banker to move the money into my checking account. He said he was. 

Eventually, I realized that the money was never moved into my checking account. 

I got in contact with Wells Fargo, and they claimed that they sent it in the mail. I emphasize that, if this was true, it was done without my permission and without my knowledge. 

Ever since then, I have been trying to recover the money, but they give me the runaround and avoid ever reimbursing it. 

They have told me multiple times that they were going to give me my money back, but they never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The small bank has reported an " overdraft installment loan '' to my credit report late every month since XX/XX/2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
Product: Debt collection

I received a bill from XXXX XXXX XXXX for a debt from XXXX XXXX XXXX of which I have never heard of telling me to submit a bogus payment of {$2300.00} from XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Sequium Asset Solution which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Sequium Asset Solution has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Sequium Asset Solution. Sequium Asset Solution is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit card or prepaid card

This is a problem I seem to be having more and more frequently when using a credit or debit card. I make a purchase, for some reason am not satisfied with the item purchased, return it, receive a credit, and then have to wait an undefined number of days for the credit to appear on my account. This, of course, affects the status of my account and balance in real time. I simply do not understand why charges appear on a credit card or debit card account immediately, but credits take an undefined number of days -- sometimes more than a week -- to appear on the account. The retailer claims the fault is the bank administering the credit or debit card, and the bank claims they can not issue a credit until they receive it from the retailer. This makes no sense since both purchases and credits are done electronically and should occur immediately, as purchases currently do. 

Another illustration of this dilemma is the " holding '' fees hotels and car rental companies are now imposing on credit or debit cards. As recently as last year, I would make a reservation at a hotel with a credit or debit card to hold the reservation, arrive, complete my stay, and pay my bill on departure. There never was any so-called " holding '' fee. The same was true for car rentals. Now both hotels and car rental companies are imposing " holding '' fees on reservations and rentals and supposedly " returning '' those holding fees at the end of the hotel stay or the car rental. The problem is the money is NOT returned immediately, is HELD for an unspecified number of days, and the account is left in a sort of limbo until the money is returned or credited back to the account. 

This imposes real time costs on the status and balance of an account, affecting a credit or debit card holder 's ability to use the credit or debit card. 

The credit card at issue in my case is Citibank 's American Airlines AAdvantage Master Card and the debit card is the VISA card linked to my XXXX XXXX checking account, but I suspect that this relatively new practice is being used by credit and debit card issuers across the board. 

Please look into the legality of this practice, which allows, in the case of a debit card, the issuer to hold on to a customer 's own deposited checking account money, and deprive the customer of the use of that money for an unspecified amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid to settle this account XX/XX/XXXX Theyre reporting it to be settled XX/XX/XXXX They also reported a Charge-off in XXXX, one month after the account was settled. 
Too many inconsistent reports on my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXX/XX/XXXX **** XXXX XXXX XX/XX/year>
Product: Debt collection

GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, XXXX only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at XXXX and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked repeatedly from TransUnion to request evidence that this debt XXXX XXXX XXXX  is mine. They come back with stating that the debt is verified, but they do not give me any evidence that the debt is mine. And under the fair credit law, they can not furnish an account without my permission. I have already spoken to XXXX and they looked into the matter and they actually removed the debt from my report. Now I would like this debt to be removed from transUnion as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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: Checking or savings account

X/XX/2017 My purse stolen. ( unbeknownst to me contained a blank check ) X/XX/2017 Fraudulent check cashed against my checking account U.S, Bank XX/XX/XXXX-X/2017 I contacted U.S.Bank, who instructed me to fill out fraud report XXXX I received a denial of claim from the Fraud dept., they claim that I 'm at fault for not securing my checks. X/XX/2017 I went to my local bank branch and was told that when the fraud dept makes a denial, it is finial. I talked to XXXX XXXX, branch manager at the XXXX branch. XXXX XXXX said that he would do what he could. After many phone calls and several weeks later, nothing has been X/XX/2017 XXXX XXXX said the Back Office would try and pursue the matter through the bank that cashed the check. Fidelity. X/XX/2017 XXXX XXXX called to say there was n't anything else he could do. He suggested that I pursue the matter through the other bank, Fidelity. I do n't think that is fair since US Bank was not successful in taking that route. XXXX XXXX said he would contact his Regional manager XXXX XXXX. X/XX/2017 XXXX XXXX offered me 1/2 of the amount of the fraudulent check stating that I was at least 50 % to blame. X/XX/2017 I contacted the CFPB to ask for their help in full restitution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto has been reporting on my account and I don't have an account with them. I have tried to call them and send letters to them about this account on my credit report. I disputed this with XXXX and it was removed on XXXX, 2021 but was put back on in XX/XX/2021. I never signed any documents with them nor is it in my name. The account is showing paid off but through collections so it is a derogatory. If this can not be removed plus get this out of derogatory on my credit profile. Hopefully this can be removed.
Product: Debt collection

Please see attached letters and documents that explain the situation. 
All documents attached have been submitted via email to the CEO of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by several of Early Warning Services representatives that XXXX XXXX XXXX Account Number XXXX would be falling off my account after 5 years which was reached on XX/XX/XXXX but it has not Early Warning Services is account being overdrawn going back more than 10 years past the 7 years that they can go back. The report is showing inaccurate dates going back to XXXX. I would like Early Warning Service to provide with me with the criteria used to determine if the account will be held for 5 years or 7 years and also provide me with all methods used to verify that what is being reported is accurate as well as all original documents from XXXX XXXX XXXX. As well as all the recorded calls between me and your representative that have them stating that this account will no longer appear on my file after XX/XX/XXXX also provide all notes in my file. You can not report inaccurate information or items that are old
Product: Credit reporting or other personal consumer reports

I WANT TO OPT-OUT OF ANY INFORMATION SHARING PURSUANT TO FEDERAL PRIVACY LAWS.
Product: Credit card

The company reported incorrectly to the credit bureaus my balance since XXXX XXXX. I filed a dispute with XXXX, and they replied on XXXX the same incorrect balance they have reported. I made a payment on XXXX for {$200.00} and they have failed to report it since that date. I spoke with XXXX from Nordstrom card Services, and she acknowledged the error but said they do not do off cycle reporting so they can not do anything on their end and I should do another dispute with the Credit Bureaus or wait until the next reporting date XXXX. When I asked how is appropriate for me to be penalized when they made error, and it is my responsibility to file another dispute and " hope '' this time they report the correct balance? This is fraudulent behavior and impacts the card users ' credit ( not only balance error but showing I missed a payment at this time as well, which I did not ) and I am assuming I am not the only person this is happening to. As the consumer we rely on the card companies to report correct information, and it should not be our responsibility to correct an impactful error on their part and they can just wipe their hands clean of it.
Product: Debt collection

For three weeks I have received daily calls from XXXX, XXXX XXXX at Mercantile Adjustment Bureau asking for XXXX XXXX regarding debt collection, including calls on Sunday morning. I am not XXXX XXXX and do not know XXXX. 

Last week I made XXXX call daily to this agency explaining that the number in their database was wrong and that XXXX XXXX was not at this number. I was told that my number would be removed from their database, but I continue to receive calls, again even during church on Sunday morning.
Product: Checking or savings account

My checking account was secured as a Free/No Cost account. My employer direct deposits to 1 of my 2 Checking accounts with the institution. They charged a first time Checking account Maintenance fee of {$12.00} in XXXX. According to their service agreement, which was changed with out my knowledge/permission, I am required to have a direct deposit of more than {$250.00} per statement period. I receive my direct deposit to my alternate checking and simply transfer lump sums more than {$250.00}, on a regular basis. The practice to punish me for simply not having the same direct deposit to the same institution split between my two accounts is unfair & deceptive.
Product: Debt collection

XX/XX/XXXX got a letter from Convergent Outsourcing-XXXX claiming I had joined a XXXX XXXX   in XXXX XXXX, Nevada in XX/XX/XXXX and didnt pay the contract-but if i pay {$250.00} it would satisfy the judgement.The original balance was {$1000.00}. But they would settle for {$250.00}. 
This was from XXXX XXXX XXXX , XXXX. 

I actually have never considered joining a XXXX XXXX because of their high prices and arrogant/snobby people that usually go in there. Had i ever joined that gym i surely would pay for it. I have lived in Idaho since XX/XX/XXXX and can prove it.I have perfect credit. This is a clear fraudulent claim/mistaken identity.This gym was in XXXX XXXX, Nevada.I have lived XXXX Idaho for 31 years.
Product: Credit card

I had consolidated my debt into XXXX XXXX XXXX and completed my obligation to my debtors. Kohl 's credit card will not provide me proof of my payments made to them. They say the status of my account was closed for debt collection and they will not issue statements to me. How is that legally allowable? 
I made the payments yet they will not provide me receipts or statements. I have proof of my payments through the credit organization but no proof that Kohl 's applied those payments to the account.
Product: Vehicle loan or lease

At the dealership i was pressured, led and instructed, by the salesman to get a lease despite wanting a finance. I told him several times that i want to finance because i know i will go over my miles and he told me to take the lease for interest reasons. 

No options were ever provided, comparisons, explanations made, or otherwise. 

Documents were drawn up for a lease and i was further pressured, led, and instructed by the finance manager to sign. If I mentioned the financing again, attention was diverted to the documents already prepared. 

i believe i have been purposely deceived by this dealership, and cadillac financial has also not been forthcoming with disclosures when i ask questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Credit Karma on XXXX about someone creating a fraudulent account with the email XXXX and using it to access my personal information. The case number was XXXX. I provided documentation to verify my identity and on XXXX the account you XXXX was deleted and an account with my current email address XXXX was created. On XXXX i lost access again to the credit Karma account and sent them another email and I never got a response and havent had access since. On XXXX, i received an XXXX  report that detailed all my hard and soft inquiries and i noticed someone did an inquiry on XXXX, XXXX, and XXXX. At that point i tried to access credit karma again and it showed their was an account created with a similar email address XXXX. Its similar to my real email address but it spells my middle name with 1 XXXX  instead of 2 XXXX 's. Im thinking when whoever tried to access the fraudulent XXXX account and seen it was disabled. They used the lookup tool and entered my personal information and it tells you what email address is associated with the Name and social provided. Which is the same way I found out the email address associated with the fraudulent account. I contacted credit karma and they told me I probably mistakenly set up an account with the wrong email address. Fortunately I have all the emails from the XXXX case and it shows what email i used to set up the account. The person whos accessing my personal information is dangerous to me and my family and thru my report they can get my addresses, mortgage information, income, who i bank with. All the information necessary to do irrepairable damage to me and my family.
Product: Prepaid card

Activated my {$500.00} gift card today and set a pin # however the card will not work for online purchases. I tried to call the gift card company and verified the balance however no option to talk to them.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year 2021 In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

We are ready to sell our home and we need a Corrected Satisfaction from Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I obtained an automobile loan for a XXXX XXXX XXXX VIN XXXX ( See attached Florida Vehicle Registration ) from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, FL XXXX, United States I pay {$400.00} every XXXX weeks ( See attached receipt for XX/XX/XXXX payment ). As of the report of this complaint, they have not reported the loan to XXXX, Experian, XXXX.
Product: Debt collection

I paid this debt when through XXXX XXXX. Credit Control LLC, contacted me to tell me that their client has hired them. I have a letter from XXXX stating the debt is settled and it is with the same XXXX account number ending in XXXX. The company XXXX XXXX XXXX is the company that hired both XXXX and now Credit Control LLC. I told credit control that I paid it and they said they would file a dispute with XXXX  I keep getting contacted by collectors, even though I paid the debt through XXXX solutions. 

I have attached the XXXX and the Credit Control letters and you can see that this has been paid, but yet I keep getting other collection companies trying to collect on the same debt, on behalf of XXXX and XXXX.