23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Describe what happened so we can understand the issue ... A rep from this collection agent did n't catch her name will call about 2 times a day asking to settle the debt. She will call from the XXXX number now it 's been turn into her call from a local number here In our state. 



XXXX XXXX XXXX, Mn XXXX NCB MANAGMENT SERVICES XXXX XXXX, PA XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off {$8800.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with BMW.

I contacted BMW, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Debt collection

I sent Ability Recovery services a debt validation letters regarding 3 accounts they are reporting on my credit, They could not verify the debts. They only sent a copy of a bill, So I sent a second letter, Which states a copy of a bil is not sufficient to validate & report a debt, I did this for all 3 accounts the copy of the bills has no Signature or anything to prove & validate this debt, but they continue to report the 3 items on my credit reports, 1st letter i sent out was on XXXX-17
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX XXXX - XXXX XXXX
Product: Debt collection

No such medical debt is owed for {$690.00} this is a mistake I tried to dispute with no outcome
Product: Credit reporting or other personal consumer reports

I have written letters for years to Experian for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to XXXX, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you
Product: Debt collection

On XXXX XXXX, 2017 I received a letter from Hillcrest, Davidson & Associates which used language that tried to make me think they were a law firm. I spoke with an attorney and found out they were a collection agency. The letter said they had been " retained '' and that I had a " pre-litigation claim '' with their office. It also said they would begin " the legal process '' if I did not pay within 20 days. I have 30 days to dispute the debt but that was not on the letter.
Product: Credit reporting

they dont to update any file on my credit report from some reason they dont respond to my disputes i got confirmation that they receive my disputes but they never process investigations or anything they told me my account handling by a spacial person but they never want to delete anything
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX SS XXXX My privacy has been violated according to 15 usc 1681 sec 602 a of the FCRA Transunion a credit reporting agency shared my consumer report on XX/XX/XXXX with XXXX XXXX a collection agency, on XX/XX/XXXX shared My report with XXXX XXXX XXXX a collection agency and on XX/XX/XXXX shared My consumer report with XXXX XXXX XXXX a collection agency, without my Permission, Authorization, Consent 15 usc 1681 section 604 Permissible Purpose there was no reason under the law FCRA for an inquiry from these Companies to be on my consumer report inquiry section soft inquiry are against the law as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights.

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
Product: Checking or savings account

On XX/XX/2023 I made two check mobile deposits to citi bank for {$410.00} and {$1600.00}. Two days later I was unable to login on the app. I contacted customer service and I was told that my account was blocked for fraud and they needed to verify my checks. I provided all information required and was told it can take up to 60 days. Then XX/XX/XXXX I received email my account will close. I contacted them again that day and they said the check was reported as fraud because they couldnt verify checks. Basically giving me run around so I then went to XXXX  XXXX XXXX that day. They verified check was legit and already cashed by citi bank and they didn't know why they were holding check. So I waited and then I went back to XXXX XXXXXXXX XXXX they checked XX/XX/XXXX that they saw citi bank reject the check but are still holding money. They recommend I got to branch so I did that day. Drove there the teller at citi bank called fraud dept and she said that they're decision was final. I must wait. It has been a whole month I need my money for bills
Product: Checking or savings account

XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
Is bank of america headquarters. 

Please send letter to headquarters Bank of america is not crediting my account!! For fraud claims. 

If this continues I will be forced to close account!! 

XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2018 I posted the monthly payment due XX/XX/2018. Instead of posting it as a monthly payment, the company posted it as additional principal. I had CLEARLY indicated it was a monthly payment but they ignored this. 

This has happened before in the past and they have not fixed the recurring problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681XXXX accordance with the Fair Credit Reporting act. 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 XXXX 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. 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 XXXX 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.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX XXXX XXXX and Identity Theft. My information was stolen and used to open multiple accounts illegally. I have reported this issue to Transunion and Transunion has done nothing. This is affecting my personal and financial life. please erase these illegal accounts immediately. All are listed below and I have uploaded identity verification forms and proof of address. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX  XXXX PA XXXX Subject : Dispute of Inaccurate Credit Report Information Due to Identity Theft To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. I am a victim of identity theft resulting from the XXXX data breach, which compromised my personal information. I am requesting that you investigate and remove the inaccurate or fraudulent accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following items on my report are not authorized by me and were likely created or altered as a result of identity theft : 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  Under the FCRA, you are required to verify the accuracy of any disputed information within 30 days. If the disputed items can not be verified as accurate, they must be promptly removed or corrected. I request that you provide written confirmation of the results of your investigation. 
To assist in your investigation, I have enclosed the following documents : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill or other proof of address. 
XXXX. A copy of the FTC Identity Theft Report Please treat this matter with urgency and ensure all communications regarding this dispute are sent in writing to the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________ This letter is tailored to outline your dispute and assert your rights under the FCRA. Make sure to customize it with specific details about the disputed accounts and any evidence you have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$6500.00}
Product: Checking or savings account

Received an email XXXX notifying me of a deposit to an account I have no knowledge of from Navy Federal Credit Union XXXX. Someone is unlawfully using my name, social security number and other personal information to open accounts in my name. I called Navy Federal Credit Union on the XXXX and informed them of the fraudulent account. They were unable to assist me without details.
Product: Payday loan, title loan, personal loan, or advance loan

The company, net credit by XXXX XXXX, charges interests and fees that make it very difficult to pay off/pay up the loan. I have paid well over {$1000.00} and still owe well over the line of credit amount. 
To date I have paid back {$1100.00} to the XXXX credit limit. I still owe over {$1800.00}. 

I attempted to contact the company to request any hardship assistance to which they responded they do not offer payment reductions or interest reductions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I ask the question how is this possible and why are you not allowed to remove this from my credit report I understand that companies make mistakes all the time but why when I ask Experian to investigate and remove this account it was under review for 60 days like it really doesnt take this long to investigate it was my account then I call the company back to ask what did she send to this company to ask my identity has been taken before so I ask that they call me ln person to contact about use of my identity if possible can I send a new CFPB report because they are not helping with anything.
Product: Mortgage

To Whom It May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent.

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a balance ONLY dispute with Transunion for an authorized user account with XXXX XXXX XXXX XXXX XXXX XXXX xxxx ) in XXXX because the balance was XXXX and it was not reflecting that. I was informed that Transunion simply deleted the account without investigating it and has refused to add it back to my credit report even though it has been confirmed twice with XXXX XXXX that they have reported the account this month and has sent a dispute to them via my request to add it back. This is a violation of FCRA law, my credit report is not accurate because of their refusal to add key credit factors to the reporting. I am requesting your assistance to enforce the law and have them add the account back to my report immediately.
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. 
I told XXXX, Transunion, and XXXX to reinvestigate the XXXX accounts that's below and label as XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, inaccurate late payment, false reporting with collection and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case - CREDIT COLLECTION SERVICE IS DAMAGING MY REPORT THIA ACCOUNT IS NOT MINES I DID NOT SIGN ANY DOCUMENTS OR AGREED TO ANY TERMS WITH THIS COMPANY. THIS IS IDENTITY THEFT CREDT COLLECTION SERVIC HAVE NO RIGHTS TO REPORT SUCH INFORMSTION. I REFUSE TO PAY SUCH DEBT. I DO NOT OWE SUCH DEBT THIS IS A VIOLATION UNDER 15USC1692g, 15USC1692b, 15 USC1692e, 15USC1681e ( b ). 

- XXXX XXXX XXXX REPOTING FALSE INFORMATION. REPORTING XXXX DAY LATE PAYMENT. INACCURATE AND FALSE REPORTING I WAS NEVER LATE THAT IS FALSE INFORMATION AND REPORTING.