23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, received credit report notification via XXXX that a new collection account was on my credit from NCS ( National Credit Systems ) in the amount of {$120.00}. I contacted them and was advised that an apartment complex that I moved out of in 2021 had sent the debt to them for collection. I asked for verification of the debt, and NCS sent me ( via email ) a charge for prorated rent and miscellaneous utility fees. I explained to them that I had worked this out in 2021 with the apartment complex - they had sent me the breakdown of move-out charges back in 2021 which included fraudulent move out fees, fraudulent damage fees, and non-itemized charges as well as a fee for a date when I did not live at the complex. NCS told me it was best not to dispute the debt with the credit bureaus and allow them 30 days to get the Original Creditor to validate the debt. I contacted them in XXXX and was told the XXXX did not respond and since they only had 30 days, the debt would be removed and I would get a letter advising the same. Since I did not receive a letter and the debt is still on my credit, I disputed it with the credit bureaus and contacted NCS again. Today, NCS advised they got validation yesterday and the debt would stay on my credit unless I mailed them the information I had ( which I offered to provide in XXXX, but NCS told me to wait until the XXXX responded ). This company has had this debt since 2021 and parked it on my credit in XXXX. They did not send me ANY letters ( they have my forwarding address ) and only communicate with me if I contact THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Equifax is publishing credit inquiries that are fraudulent and must be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

LVNU funding LLC U.S.C 1296 C ( C ) I want this collection removed off my credit report immediately
Product: Debt collection

On XXXX/XXXX/XXXX I was injured at work, resulting in TX workers compensation claim numberXXXX ( now updated to claim numberXXXX ). 

Despite providing the WC claim info to XXXX XXXX XXXX XXXX XXXX XXXX multiple times, they repeatedly billed me for services rendered. 
My WC Adjuster even contacted them XXXX/XXXX/XXXX to advise that they could not bill me ( see attached ). Instead of correcting the matter, they turned me over to collections. 

As I communicated to the XXXX XXXX XXXX XXXX XXXX 's billing department multiple times in XXXX -- and to the collections company Patient Account Services , LLC in XXXX -- this is not a valid debt. Over the past two years I have made multiple attempts via phone, fax and mail to correct this matter with both XXXX XXXX 's and with Patient Account Services without success. 

The treatment provided by XXXX XXXX XXXX XXXX XXXX on the date of service XXXX/XXXX/XXXX was related to a valid Texas Worker 's Compensation claim ( see attached ). Pursuant to the Texas Worker 's Compensation Act, Section XXXX, neither PAS nor XXXX XXXX XXXX XXXX Hospital are allowed by law to bill me for services provided. 

Attached is a letter sent from the Worker 's Comp adjustor to XXXX XXXX 's on XXXX/XXXX/XXXX stating this fact. I am unclear this company continues to pursue collections against me for this illegitimate debt. This inaccurate account should NEVER have been transferred to collections. Not only have both XXXX XXXX and PAS attempted to collect on this illegitimate claim, but have reported false data to the XXXX and XXXX credit bureaus. 

I am in the middle of buying a house and this inaccurate collections account is impacting my ability to do so. This account must be deleted, and the reports retracted from the Bureaus, immediately. 

Additionally, I would like to receive written communication from the company stating that they will discontinue collections and delete the reports from the bureaus.
Product: Credit reporting or other personal consumer reports

Nissan motor services is from XXXX, I was in good standing and it was paid off. I understand negative accounts can stay on file for 10yrs but this account isn't one. I'd like it deleted from my credit report asap. I recieved my auto loan XX/XX/, it's been 9yrs, this is now considered a XXXX  Account. Per my agreement with Nissan they should have deleted when my final payment was made! I've been disputing this for years now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX by the IRS** XXXX - The IRS generally XXXX canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication XXXX ), canceled debts are generally includible in gross income. XXXX XXXX XXXX XXXX  : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section XXXX ( a ) ( XXXX ). This section states that gross income includes income from discharge of indebtedness. The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This XXXX, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and XXXX XXXX XXXX of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party
Product: Debt collection

I have asked many, many times to have them take me off their list... they just laugh at me.
Product: Money transfer, virtual currency, or money service

I had ordered clothes from a shop that I did not receive amounting to {$360.00}, after weeks of fighting with the merchant who refused to help or even reship, following that I gathered the evidence of me contacting the merchant and the courtier then, on XX/XX/XXXX I opened a dispute. The dispute was then denied almost immediately the next day. I thought found this was strange and asked what was used to deny the dispute, a XXXX  was then sent showing no information I had attached was used and a completely different reason that I did not list was listed as the reason why it had been denied. I brought this up to the representatives not once but twice who said there was nothing to be done about it and to open a new dispute. I did as I was told and it was again denied immediately the next day with the same result, no information used and the wrong reason listed on the document. This I brought up to the representatives again and even called in person. Again the representatives urged me to try again and said they would forward my complaint, then on XX/XX/XXXX my dispute was denied once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my name that is totally wrong and a previous address that is wrong,3 unauthorized inquiries that need to be deleted one account that says charge off which is wrong and 3 accounts I don't recognize to be mine
Product: Debt collection

CREDITORS BUREAU ASSOCIATES do not meet the requirements to collect in the state of Connecticut. According to XXXX XXXX XXXX XXXX  they do not have a license to collect in the state of Connecticut when you search their company name in the search bar. They aren't providing evidence bearing my signature, nor are they providing a calculation of the amount that they claim I owe. These are illegal collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/year> Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Equifax for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i.

The issues involve inaccurate reporting of XXXX XXXX Bank NA account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate, despite having actual knowledge or reasonable cause to believe the information is incorrect.

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected.

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction.

Violation of 15 U.S. Code 1681i : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law.

These violations undermine the fundamental principles outlined in 15 U.S. Code 1681, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system.

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm.

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies.

Thank you for your attention to this serious matter.

Sincerely CFPB, FTC IM ALSO BEING TOLD BY EQUIFAX I'VE BEEN DISPUTED TO MUCH IN THE LAST 90 DAYS I WILL MAIL YOUR OFFICE ALL THE STALL TACTIC LETTERS STATING THEY CAN'T LOCATE A CREDIT FILE AND ECT
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I  actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my  balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX XXXX 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is  retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts listed on my Experian credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit cards was reported as lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Product: Debt collection

Good afternoon, I have been contacted by this company called XXXX XXXX XXXX Phone Number XXXX. XXXX the representative it telling me about a debt for a overdraft fee I had with XXXX XXXX 9 years ego. She started by telling I am being sued for the amount of {$1400.00} plus {$2500.00} of lawyer fees. After I asked what is this about, she tells me its a overdraft debt. I have not received any statements or proof of this debt. I don't even remember having a debt with them. I called the bank now XXXX XXXX and they are not showing anything. She is treating me with a civil lawsuit, and I am not given any proof of the debt. Also I will like to highlight, they are calling me during working hours to disturb me with treats.
Product: Vehicle loan or lease

XX/XX/2020 WestLake Financial Services called me about paying my car note. I explained to them that my job is closed due to this covid19 crisis. They push my payment to the end of my loan. They called me XX/XX/XXXX & XXXX XXXX  about a payment. They know that this world is in a crisis. I'm not understanding why they just didn't freeze or suspend payments like everyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX : {$75.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus refused to reverse the late payments reported on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

They suddenly charged us {$420.00} for having a balance due on the card that we have been paying regularly. We also pay more than the minimum due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and submitted a police report to the XXXX, XXXX and XXXX. I noticed there are hard inquiries on my reports that i did not authorized. If there are accounts attached to these inquiries they are fraudulent as well and also need removed.
Product: Money transfer, virtual currency, or money service

I am trying to get money off of XXXX from my paycheck but PNC bank wont let me Link the account
Product: Credit reporting, credit repair services, or other personal consumer reports

says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}
Product: Credit card or prepaid card

On XX/XX/2018 XXXX XXXX charged on my Cap One card {$1000.00} WITHOUT my permission. I cancelled transaction yet XXXX still used my card. Verbally and in writing.
Product: Debt collection

This is complaint is because Golden1 Credit Union has violated several of my rights and they refuse to correct them and or acknowledge them all together. Under the Fair Debt Collector Practices Act ( FDCPA ) 15 U.S.C 1692 ( G ) Section 809 ( B ) I disputed a claim and requested a validation of debt For Account # XXXX in the amount of {$70000.00}. They have failed to do so properly even with ample time given. Golden1 Credit Union Had an obligation to respond and properly validate the alleged debt or they admit by silence and agree that I do not owe this debt. Golden1 Credit union has also violated my cease-and-desist letter by continuing to collect a debt in which I believe I do not owe and which they agree by not rebutting any statement I sent. Golden1 Credit Union is also reporting to credit reporting agencies that I owe this debt which is hindering me from getting a loan and getting approved for credit from lenders by claiming fraudulently that I owe such debt. Golden1 Credit Union and I entered into contract on or about the XXXX of XX/XX/2022 for a vehicle. Upon me learning of the fraud inside of the contract I sent them a letter of recission under 15 U.S.C 1635 ( a ) notifying them in accordance with the bureau. Also I informed Golden1 Credit Union that under 15 U.S.C 1605 Except as otherwise provided in this section, the amount of the Finance Charge in connection with any consumer transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person whom credit is extended. Ive pointed out to Golden1 Credit Union being the indentured trustee where that was violated in said contract and contacting me for any reason about a debt or attempting to collect a debt according to 15 U.S.C 1692 ( b ) ( 2 ) which states that you may not state that I a consumer owes any Debt. So not only is Golden1 Credit Union not validating a debt in question but they are violating my cease and desist order and reporting to credit reporting agencies about this debt and I have NEVER given them permission to do so. They have an obligation to produce
Product: Debt collection

I am having problems with Fay Servicing 's nefarious tactics. I took out a balloon loan from XXXX XXXX services in the amount of {$220000.00} to remodel my house and convert it into a short term rental property in XXXX, Oregon. This was a success. The total value of the property increased by more than {$350000.00} and brings in XXXX to XXXX XXXX a year in net income. The balloon matures at the end of XXXX so I have been taking action, for months, to get into a XXXX loan and pay the balloon. My coverage ratio is about XXXX, well above the minimum. My new service company, XXXXXXXX XXXX XXXXXXXX needs one final piece of documentation to send it to underwriting, Verification of Mortgage. We have both been contacting Fay Servicing daily for weeks to get the request. They outright lied to my new loan officer, claiming they indeed filed the request. A week later, after inquiring of the request, there is no record of the request. I have concrete evidence of this, an email verifying the request from Fay Servicing and a second email from my new officer saying Fay Servicing never filed an actual request. They are trying to drag this out on the Balloon until I am liable for {$110.00} dollars daily interest payments. After researching Fay Servicing more, I discovered they practice these types of deception often as I am sure you know. Thank you for your time, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Factor Trust & XXXX XXXX have accepted, reported and denied me dispute of the erroneous items on my report that is reporting to the major credit bureaus. In addition, my identity was stolen, I never authorized Factor Trust to hold, sell, and record my private confidential information. 

I requested all addresses, accounts, etc. to be frozen due to identity theft. 

The company below will not allow me full disclosure of who, what, when, and were used my name, ID etc. for their gain. This is identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Drivers License ending XXXX