23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently filed a dispute with CFPB regarding NCC business Services reporting incorrect amounts on my credit report as well as re-aging the dates on my credit report. I also stated how NCC business service refused to respond to my validation request that was sent to them by certified mail. NCC responded stating that they reached out to the landlord and stated incorrect dates that were supposedly given to them by the landlord and that they did respond to my validation request which is also untrue. In my dispute I provided a copy of a civil judgement that was discharged listing a date and amount that is different from what NCC is reporting. According to the FDCPA a collection agency CAN NOT verify a debt only a creditor can. Im requesting that CFPB submit proof that original creditor verified the  accuracy of their reporting amounts and dates. NCC also claimed that I broke my lease in XXXX of 2013 but on my credit report it has an expiration date of XXXX of 2013. NCC stated that they in fact responded to my VALIDATION letter in which I attached a certified mail receipt proving that my letter was sent and received. Its only fair that NCC attach proof that they in fact sent me a response letter as well as a copy of the validation letter that was supposedly sent to my address. Im also requesting that NCC also submit proof that I gave them permission to even contact me regarding this alleged debt. Im also requesting proof that I gave NCC business services permission to use my PII to establish an account on my behalf-which can be a form of identity theft. i did send a copy of my drivers license and social to NCC which was after they placed this negative information on my credit report and created an account in my name without my consent. Im also requesting proof that NCC provided me with a 30 day notice before placing the alleged amounts on my credit report. NCC is not only violating my rights and the laws within the FDCPA but have caused me tremendous amount of stress but had also caused my credit to be damaged. I also request that instead of NCC sending me the proofs that Im requesting I would rather they attach with their response to this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I wish to add a short statement to my credit file explaining information that your reinvestigation failed to resolve to my satisfaction. For your convenience, l 've quoted the specific paragraph from the FCRA that gives me the right to add this statement to my credit file : Section 611b. Statement of Dispute : " If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. '' Therefore, in reference to the following line item :
Product: Debt collection

There was a credit card debt which was for approximately {$350.00} I was garnished for {$870.00} by Midland Credit Management. I was informed that the total with fees was {$910.00}. This was in XX/XX/XXXX on the XXXX I spoke with XXXX XXXX. I was informed that all monies withheld after the garnishment release would be returned to me the defendant it was not. It was returned to my employer in a untimely manner. The release is dated XXXX XXXX I received a payment from XXXX XXXX of funds that had still been sent to the company after this date. XXXX states that payments received were {$1000.00} my check records shows {$2000.00} was sent to them. I have yet to received the excess money paid to them. As I have spoken with the XXXX XXXX  for XXXX the last week in XXXX. I have received all monies returned to them. Several checks were sent to them after the case was supposedly closed. The garnishment release stated these monies would be sent to me the defendant with the exception of the XXXX check for {$180.00} all other monies due and owing was sent to XXXX XXXX. Meaning, I had to wait for it to clear their bank and then they cut me a check. The last one from them being dated XX/XX/XXXX for {$390.00}. This is the total of XXXX out of the XXXX checks that Midland received after the garnishment case was CLOSED, which now they claim they haven't received {$2000.00} in total. This seems to be tactical intended to cause frustration and financial deprivation to the defendant with no consequence to the plaintiff Midland. Only causing financial harm to me the defendant. At this point there is no excuse for the untimely manner in which this was handled. From XXXX to the present they are still issuing out the overage in minute increments. Another check was issued on XX/XX/XXXX for {$12.00} to XXXX and not the defendant. Why? To delay return of funds and tactilely withhold money that was received and punish the the defendant, myself. This could have been solved amicably with the plaintiff, but it was not possible to have a civil conversation with the collectors. The was paid within XXXX weeks we could have negotiated a payment agreement if communications was not lacking. My income was not lacking to pay the debt but civil conversation was not to be had when collectors take an accusatory tone and attitude and one can not gain clarity with an argumentative individual. At this point I am owed a balance of {$510.00}. The company/Midland  has XXXX lied and said they only received {$1000.00} the records I have beg to differ. There are still XXXX outstanding checks period.
Product: Debt collection

This is my 2nd complaint filed for this same issue. DIVERSIFIED CONSULTANT a debt collector is trying to collect a XXXX Debt that does NOT belong to me. In my previous complaint of the same nature ; I was advised to send XXXX a Identity Theft Affidavit. This was submitted last year and the item removed from my credit reports. Now, for the 2nd year, XXXX is trying to collect on the same debt. The Debt is in the name of a XXXX XXXX and my name in XXXX XXXX. I NEVER had a XXXX account or PHONE SERVICE. I was a 20yr XXXX XXXX XXXX customer and now a XXXX customer due to my employments extensive discount. Please HELP ME! XXXX needs to be held accountable for their BAD service and DIVERSIFIED CONSULTANT needs to stop harassing me and ruining my credit that I worked so HARD to keep at a good level. This has gone on TOO LONG and I have now FILED at the FTC complaints against XXXX. PLEASE MAKE THIS STOP!!!!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I asked all three credit reporting to remove this address. The address is still showing on my credit report.
Product: Prepaid card

I received a gift card in the amount of {$500.00} to my work address - XXXX. I have attempted to use this card at multiple online retailers and am declined every time. The card shows a valid balance of {$500.00}. I have tried transactions less than and equal to {$500.00} with no success. I have seen other complaints of this same nature on various Internet forums. I would like to be able to use the money that is gifted to me, but I am unable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be omitted as soon as possible. 
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
Product: Debt collection

I 'm having a serious issue resolving a collections account with a balance of {$810.00}, reported by XXXX. The outstanding balance was reported on XX/XX/2011 and last reported on XX/XX/2011. During this time, I was still in XXXX, Texas where I was stationed for XXXX, and still covered by XXXX. I am not responsible for this debt, nor do I recollect ever being at a XXXX or receiving a bill for this amount for any XXXX treatment. This was falsely and unfairly reported and wish for this to be removed. The Debt was sent to be collected by COLLECTION CONSULTANTS OF CALI.
Product: Money transfer, virtual currency, or money service

So Ive been at an all time low with surrounding neighbors targeting my credentials by utilizing my credentials and me noticing how everyone sorrounding me have to get within a certain perimeter to be able to utilize XXXX XXXX and web activities to purchase materialistic expensive technology to essentially be able to get away with it for almost a little over a year now! Im certain theyve gotten loans and devices that can be tacked and traced for which I hope you can understand that I want full prosecution for its only destroyed this entire year!!!!!!!! Please when possible Im available for more information that I have stored in SIM card if you can get ahold of me personally at XXXX
Product: Debt collection

Receivable Management Inc. has reported a negative item on my XXXX credit report which is inaccurate as XXXX XXXX and XXXX do not report this information. I asked the company to validate the debt and they sent me an invoice from XXXX XXXX XXXX which show multiple tests with my name as the patient but I did not receive these tests. 

There are NO documents with my signature, drivers license or requests for any of the tests on this sheet which total {$790.00}. 

There is no outpatient information showing any results of these tests nor any treatment information on the sheet which I requested to validate the debt. This debt is not valid. 

Please remove this debt from my XXXX credit report immediately. Thank you
Product: Debt collection

LVNV sent me a letter in reference to an alleged debt. After asking for verification, they referred this alleged account to XXXX XXXX XXXX to sue me. LVNV violated the FDCPA and FCRA by trying to collect on a debt they claimed I owed and they reported this to all 3 credit reporting agencies and used false, deceptive, or misleading representation.

See the attached two correspondances to LVNV that was ignored, the lawsuit, including the dismissal.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX I received a call from Oliphant Financial , LLC XXXX OFL XXXX, a debt purchaser and third-party collection agency based in Florida. The caller identified herself as a XXXX and she stated she was trying to collect a debt. XXXX begin to read a script and she asked me how I would like to pay the debt. I told her that the debt was not mine and not to call me again. She asked me why did I answer my phone if it wasn't my debt, I told her because she called my phone and I have a right to answer my phone. I again asked her not to call me and XXXX stated she will call me again. I called the number back XXXX and I believe she answered and confirmed she indeed worked for Oliphant Financial. I never had a credit card with XXXX, the only contact I have had with XXXX was a recent credit card application I submitted and as of XX/XX/2020, I have not heard if I was approved or denied.
Product: Debt collection

This is in reference to my debt- I am doing debt consolidation and rather than call me regarding my debt, Wells Fargo is contacting my parents who I do not live with nor share an account with. I have verified my phone number on their website is correct but they have been consistently calling my parents to discuss my debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} Opened : XXXX XXXXXXXX XXXX XXXX Opened : XXXX XXXX Account type : collection Balance : {$530.00} These accounts are reporting Innacurate information to my report which I recently checked, submitted a complaint to the company more than twice and reported identity theft, have not gotten validation.I demand these accounts be deleted as soon as possible due to Innacurate information being reported and hurting my score from these third parties by law, which I had no accountability to be held within these matters of innacuracy, Thank you! Have a wonderful day.
Product: Money transfer, virtual currency, or money service

This complaint concerns Venmo support ticket XXXX, filed in response to a {$1000.00} transaction on XX/XX/2023 from my account ( XXXX ) to user @ XXXX. I was the victim of an employment scam, and this account fraudulently collected money from me. When I contacted Venmo, they said they take it seriously but would not reverse the charges not provide me any further information, citing privacy like a shibboleth that magically excused their failures. 

The account contacted me claiming to be XXXX XXXX XXXX XXXX XXXX ( they were not ) and offered me employment. After a fairly normal interview process, they sent me a check to buy equipment for my home office. That check then proved bad after I paid their alleged vendor, and I am out {$1000.00}. I acknowledge that I made a serious mistake in not doing better due diligence. I also acknowledge that the criminal here is the root of the problem. However, I allege the following against Venmo : XXXX ) There must be some way to challenge fraudulent payments. Venmo flatly refuses to provide any remediation path whatsoever, and they won't even talk about it. 
XXXX ) Venmo failed to verify the identity of their customer @ XXXX, and this resulted in a fraudster using their network and their inability to track them. 
XXXX ) Venmo failed to take adequate steps to make sure those using their platform were doing so in an honest manner.
Product: Debt collection

The company listed on my credit report is TD Bank/Target Credit. This was discharged in Chapter XXXX Bankruptcy but was never removed from my credit report. Their address is XXXX XXXX XXXX, XXXX, MN XXXX. Please advise. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX account # XXXX0 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
Product: Debt collection

Midland Funding LLC filed lawsuit to collect debt, but did not attach any proof that they can sue for debt when they filed the lawsuit. 

Additionally they violated XXXX CONSENT ORDER, Section XXXX, Subsection a, b, c & d. Section XXXX, Subsection a ; XXXX, XXXX, XXXX, XXXX. 

The lawyer repeatedly telling me I would have to pay all fees if I elect my right to consumer arbitration & lose & that I would be acting in bad faith if I do elect my right for arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$940.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also tried fixing this issue but nothing was fixed.
Product: Credit card

I went into the XXXX in XXXX, PA and paid my Boscov 's credit card in full. 
I then received a bill in the mail with a {$25.00} late fee and charges of {$2.00} and XXXX on top of my balance that I already paid. 
When I called the number on the back of my card, they said that I did n't pay and I would need to fax a cancelled check. I went to my bank and they called the cardd company and after an hour on the phone with them, they did n't help me. They wanted my bank to fax a copy of my statement for proof of payment with all my persona information on it. I also told them a had a receipt of payment when I paid them by check, which my bank faxed them. They told me they were suspending my account. I paid my bill on time at the store. 
Is this how they make money by taking advantage of seniors - asking us to pay twice and then threaten me with late charges and shutting down my account. 
I have never been late and on a fixed income - I cant afford to pay twice and let them figure it out if they EVER figure it out.
Product: Debt collection

For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt. 

On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars. 

The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection. 

So, for the fourth time I do not owe such debt because I never received such services. 
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX 
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.
Product: Mortgage

I have contacted XXXX XXXX XXXX ( nmls # XXXX ) on XX/XX/2023 afternoon and explicitly asked him to see if I provided all the paperwork he needs, would he be able to provide me with a Loan Estimate the same day and lock in as well as i am on a time crunch to close a property that i am purchasing. 
He has assured me multiple times that he can do that. He send me an email requesting all the paperwork and I sent him all the documents right away. After reviewing all the paperwork, he again assured me that he can provide me with a loan estimate within the day and we can lock in the rate at the same time. He also performed a credit inquiry at about XXXX XXXX on that day and once the report came in again assured me that i will receive a loan estimate within an hour. 

Then he said his boss XXXX XXXX ( nmls # XXXX ) would call me shortly. Since then i have asked XXXX XXXX numerous times over last week to see if his boss will call me and if he can get me a Loan Estimate so we can move forward. 

As off today, XX/XX/2023 XXXXXXXX XXXX i did not receive any Loan Estimate and XXXX XXXX kept telling me his boss is a busy man. 

XXXX XXXX and XXXX XXXX have completely neglected my urgent need for a mortgage and wasted about a week of my time. 

I have all the screenshots of our conversations and will be happy to provide if needed.
Product: Checking or savings account

On XX/XX/year> I made a withdrawal of {$170.00} from a Chase ATM. The machine gave me a counterfeit {$100.00} bill. I walked directly into the bank to speak with someone. I was treated like I was lying even though I advised them to look at their cameras. I was informed to come back Monday. Ever since then I've filled out reports and the account was credited and take back. Now the account will go into negative again because paperwork says I authorized the charge. I didn't dispute the charge. I was given fake money. I'm continuously told the ATM doesn't accept fake money. I'm tired of calling while working and taking of work for the same issue. So how did I get it? Obviously there's an error somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.