23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called NCC Business Services is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$3900.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX on XXXX which cost {$220.00}. At checkout I was offered to sign up for Affrim to pay it off over a period of time. I accepted this and used Affirm to pay for the product at {$220.00}. On XX/XX/XXXX I returned the item to XXXX. The return was accepted by XXXX on XX/XX/XXXX and a refund was issued but not to me but to Affirm.By this time I had already paid off this short term loan to Affirm. I had {$1000.00} credit with Affirm. Here is where the problem starts. The " refund '' was added to my credit line with Affirm. I thought that if I used Affirm for another order on XXXX that I would be spending my refund instead of using my original credit line of {$1000.00}. This did not happen. Affirm then let me use my credit line which was now at {$1200.00}. It then set up another payment plan to pay this new amount which was {$200.00}. On Affirms website it says that I should receive a refund back to the bank account that I was using to make the loan payments. This has not happened to this date XX/XX/XXXXXXXX  The company is impossible to contact. When I call I get recordings asking me if I want to buy a medical necklace. No humans just recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed incorrect and false information on my credit report. please see attached FtC report that was filled to remove false wrong information from my credit report as I have also been compromised due to the XXXX  data breach. pLEASE remove the public record accounts immediately.
Product: Debt collection

Company CBSA is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, CBSA continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with XXXX Credit, they too, sent a request to XXXX XXXX XXXX XXXX as this company illegally re-aging this debt. 

CBSA continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why CBSA continues to send medial invoices which are paid by my insurance company. 

All credit agencies have removed this debt, however, XXXX has not, and has allowed this debt to remain and allows CBSA to re age this debt on a monthly basis. This is illegal according to Federal Law. 

A police report was filed against both CBSA and XXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. 

They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company Tricare ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. 

After alerting my insurance company of the fraudulent activity, the company XXXX XXXX retaliated by sending medical invoices intertwined with an alleged bill to the collection agency CBSA who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX Your Contact Information ]
Product: Debt collection

In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX Credit Bureau about the XXXX XXXX account still showing as CHARGED OFF AND close, but the Lenders are able to open the report to see a Charge-off balance of {$16000.00} The original balance was reported as {$17000.00} in XX/XX/XXXX ( date of the original loan ). The payments were {$400.00} per month. Payments were set up at 72 months which is XXXX years. Payments were paid on time from XX/XX/XXXX to XXXX  XXXX per month. The total amount out of pocket paid was {$19000.00}. How is the balance still {$16000.00}? I have wrote XXXX XXXX XXXX so many time in XXXX asking for the balance on the XXXX. I never received an answer. Finally in XXXX of XXXX I check to see the credit Report at all three Bureaus and the account was Charged off without reporting the balance to a collection Agency. This loan has been taken care of by XXXX. I noticed on the XX/XX/XXXX Credit report I requested from XXXX the balance was {$15000.00} the payments continued until XX/XX/XXXX. The balance on the account should be showing {$4600.00} instead of {$16000.00} There was only XXXX ( XXXX ) more years to pay for the vehicle. XXXX continue to say the XXXX is reporting {$16000.00} as of XX/XX/XXXX without speaking to anybody.
Product: Credit card or prepaid card

I am writing to you to request your help in a matter related to a fraud that has occurred in my bank account. My XXXX XXXX account number XXXX was subject to an illegal withdrawal of {$12000.00} without my authorization from American Express. Although XXXX XXXX has returned the sum of {$4600.00} to me, they told me that the rest of the money must be returned by American Express ( A.E. ).

Unfortunately, I have had difficulty obtaining information from your company regarding these transactions. Even the police in Pinecrest, Florida, have been unable to obtain information and have had to go to a judge to obtain the necessary information ( subpoena ). I am concerned that A.E. is hiding the person who took the funds from my account. 

For this reason, I formally request that the funds illegally withdrawn from my account be returned to me. I have obtained the following American Express ACH transaction numbers from my bank, XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

I urge you to fully investigate this matter and find out why A.E. is covering up the scammers involved in this crime. I hope you can work with me to resolve this matter in a timely and fair manner. 

Please contact me through my email address XXXX or by phone at XXXX. I appreciate your prompt attention to this matter and look forward to your response as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported XX/XX/XXXX I moved from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX  end of XXXX in XX/XX/XXXX i receive a bill from my old electric company stating that i owed XXXX dollars, I immediately call the company, and let them know that my services were stopped, before i left in XXXX, so how was i still being billed. i was told by the company to go back to XXXXXXXX XXXX XXXX and fille a police complaint, because it's possible the person that lived there after me was still using my electric account and that they didnt cut the electric even after i requested it. I then stated that's impossible, because i once own this same company XXXX dollars and they cut my electric off, so how can someone owed them this much without them cutting the electric, i didn't get an answer to that, so i demanded for them to send me all the bills that totaled to XXXX dollars an itemize bill, and they couldn't send me this bill, they sent me a summary of just XXXX dollars, i asked for an itemize bill.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Failure to Provide Verification XXXX XXXX XXXX XXXX Accounts Description of the Issue : I am filing this complaint against Equifax and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for failing to address my disputes regarding inaccurate information on my credit file. Despite multiple formal disputes and requests for documentation under the Fair Credit Reporting Act ( FCRA ), the inaccuracies remain unresolved, and no proper verification has been provided. 

The inaccuracies pertain to the following accounts reported by XXXX under " XXXX XXXX XXXX XXXX  '' : Account Ending in XXXX : Reported balance : {$8800.00} Last payment date : XX/XX/XXXX Account Ending in XXXX : Reported balance : {$2100.00} Last payment date : XX/XX/XXXX Account Ending in XXXX : Reported balance : {$1500.00} Last payment date : XX/XX/XXXX Account Ending in XXXX : Reported balance : {$3400.00} Last payment date : XX/XX/XXXX Specific Violations of the FCRA : Failure to Maintain Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The balances, payment statuses, and last payment dates of these accounts are inconsistent and unverifiable. 

Failure to Investigate Disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation when a dispute is filed. Equifax has failed to provide sufficient documentation or validation of the disputed information. 

Furnisher 's Duty to Investigate : Under 15 U.S.C. 1681s-2 ( b ), furnishers like XXXX are required to investigate disputed information and report accurate results to the credit bureaus. XXXX has failed to provide proper validation or address the discrepancies. 

Unauthorized Comments : Comments have been added to my credit file without my consent or approval, further violating my rights under the FCRA. 

Relevant Case Law Supporting My Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case highlights the requirement for furnishers to conduct reasonable investigations of disputes and provide accurate information to credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasizes that failure to verify the accuracy of reported information constitutes a violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case establishes that credit reporting agencies must take meaningful steps to investigate disputed information and can not rely solely on information provided by the furnisher.
Product: Checking or savings account

Im contacting you because I submitted a fraud claim to Wells Fargo on XX/XX/2022 Someone or some company in XXXX XXXX. Named XXXX variate is Debited my account XXXX. 
The day prior I transferred XXXX to my account to pay off my car loan. Then I get a email saying this amount is trying to get through and it was declined by Wells Fargo. Then some how it went through. I asked Wells Fargo to submit a claim because this charge was fraudulent. They gave a temp credit. And now wrote me back saying that the charge isnt fraudulent because me or someone I know had permission to use my card. I called them and told them this money was supposed to go to pay my car payment and Ive never done business with such company I asked them to provide me proof of a receipt or something signed by me and they dont have it all they are going off of is that the company said it was me?!!!!! I asked how they got my info if it was a point of sale or over the phone or internet purchase. He said over the phone and doesnt have any proof that I signed for it or it was even me please help provide assistance I keep calling Wells Fargo and they said too bad the decision is made and now Im negative XXXX in my account thank u
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX XXXXXXXX Balance : {$64.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XXXX XXXX. I received 3 credit alerts from XXXX, XXXX, and XXXX that I took out a loan on XX/XX/2024 for {$1000.00} at XXXX XXXX This debt was was sent to a collection agency National Credit Adjusters. 
I have NEVER taken out a loan to this company, nor do I use Any payday loans. This debt isnt NOT mine. I called NCA yesterday their office was closed. This is VERY alarming that XXXX XXXX would send information to NCA without doing their Due-Diligence by making sure all Information was correct. Both companies have VIOLATED the Truth In Lending Act, And please explain how a 3rd Party collection agency can report to the Credit Bureau. Consumers has 30 days to dispute the debt and be provided proof that the debt is valid.. 

That CLEARLY didnt happen! That is Clear Violation of FDCPA, and FRCA Especially when you have the WRONG person, and affecting someone Credit Score. To add insult to injury Im going through a background check for a higher job Clearance. This could totally DERAIL my ability to get that position. So I have to Waste my Time to get this all straightened out. And let my employer know. Because Both of these companies have been negligent. If this details my career in Anyway I will be seeking legal advice in terms of a Civil suit. Im trusting this matter will be handled expeditiously!
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and I was going over my credit report to see if my score changed cus I been making on time payments to the this company advantage auto for almost 8 months and seeing no changes in the debt amount I would like for them to either remove the account or adjust the payment properly to resolve this problem I uploaded documents to show my remaining balance on the account!!
Product: Credit reporting, credit repair services, 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. 
XXXX Account # 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 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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent my dispute through certified mail with copies of all the proper identification requests and included the relevant pages from the credit report. They ignored the request for my report to be completed using updated information and left the report VERY incomplete and wildly inaccurate or outright incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive XXXX loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.
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 right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit card was used used to purchase XXXX airplane tickets. These tickets were not purchased by me and when I contacted the airlines they verified that they were not for me and marked as fraud. 
I asked CapitalOne to investigate them and they sent me a letter that they did and they were not fraud. I asked them if they actually investigated it and asked if this call is being recorded, which they said yes. 
I repeated that I contacted the airlines and the tickets were not purchased by me. I said that I would like to to escalate my request to have the charges reversed. 
The Service Rep said I will go ask. I waited for a few minutes and he returned and said that I had waited to long to report this so I was responsible. 
I did not wait to long. 
The letter I received from clearly stated that the charges were investigated and they were valid. They did not investigate the charges. 

The charges were for a total of {$3500.00} and occurred between XX/XX/year> and XX/XX/year>.
Product: Mortgage

XX/XX/XXXX, I filed for a modification with Citibank for my XXXX mortgage ( acct # XXXX ) due to reduced income and the XXXX mortgage going from interest only to fully amoritized which increased my payments by more than XXXX %. I entered into an agreement with Citibank to pay the reduced amount of {$520.00} for three months trial period. My payments were made per the signed agreement and the loan was modified. As a result, CitiMortgage reported me as making late payments and not paying as agreed. Due to the late payments showing, I submitted a request to CitiMortgage to have the report corrected. They refused and I placed a dispute on my account. On XX/XX/XXXX, I pulled a credit report showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XXXX and 60 days XX/XX/XXXX. In an effort to refinance this loan in XX/XX/XXXX, the lender required me to remove the dispute from the CitiMortgage. It was then discovered that CitiMortgage was now showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days XX/XX/XXXX. As aresult of this misrepresentation, my credit score dropped by as much as XXXX points on XXXX of the bureaus. This decrease in my credit score cause me to pay a higher interest rate for the refinance because my score fell below the required threashold for an optimum rate. 

I no longer have this loan with CitiMortgage but I was harmed financially as a result of their actions.
Product: Credit reporting

TransUnion via XXXX used wrong info.regarding purchasing manufacture house. I was denied mortgage. I do not have foreclosure, and/orbankruptcy. XXXX, XXXX y.o. 
Some credit card problems due to companies sold it to third parties, changing frequently. 
also, medical bills arranged payment with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Serious medical problems, unable to make the copay payments. Thanks!