23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I pulled a copy of my XXXX Credit report and noticed that I had an account I wasn't aware of from NCC Business Services INC- regarding an account with XXXX XXXX   with an amount of {$250.00}. At the end of XXXX I started working with the original creditor and they told me that they are no longer responsible for the account and that NCC was. As I did further research, XXXX XXXX  breached their own contract by violating the Arbitration Clause with charging the account off and sending it to NCC. 

In early XXXX, NCC began calling me demanding that I pay and I told them a date I couldn't pay at the time but did give them a date that I could. I told them the only way I would pay is exchange for pay to delete and they agreed. I made a payment via internet XX/XX/XXXX inputting my information on paper. I have been fighting with this company since XX/XX/XXXX to remove this off my credit report as they promised. Furthermore, with them knowing that the original creditor breached their contract, and NCC being in violation also, I demanded that they remove it. I have also contacted all 3 credit bureaus with same valid information on my end. All parties have 30 days to respond. NCC fails to remove and this is the 3rd attempt. Two letters were last sent out on XX/XX/XXXX via mail ( certified ) which it shows it was delivered on XX/XX/XXXX XXXX and on XX/XX/XXXX at XXXX, so they've received it, along with the 3 credit bureaus. I have warned this company with a suit followed after this if they continue to report. They have already been sued twice for the same thing. Below I have attached all the documents I have sent them regarding this account and copies of the certified receipt even to all 3 credit Bureaus.
Product: Checking or savings account

I'm XXXX XXXX and my Son, who takes care of me 24/7/365 days XXXX XXXX and I went to Chase Bank in XXXX XXXX XXXX XXXX Il and we went to the drive thru teller because I don't have an atm or debit card with the bank, because of a company in the past that was trying to debit my account without my authorization. I filled out a withdrawal slip and put it in the tube and sent it to the teller. The teller said that the account was frozen and that she will send us back the withdrawal slip and my id. She also said to come inside the bank. 
So my Son XXXX XXXX pulled to the front of the bank and I went inside to see what was going on. A banker said that my account was under review and being investigated for fraud. She gave me a number to call in XXXX, TX with the area code ( XXXX ) XXXX. So we called the number and it was too late to get a hold of someone, the office was closed. So we called XXXX because the branch was closed and a rep asked for verification over the phone, and my Son said we don't give out Social Security numbers over the phone. The rep said give an account number and I gave him my savings account number. He also said that the account was under review and that he would have to transfer me to a chase bank specialist for more information. The specialist got on the phone and asked for verification so I gave him my savings account information and he said that he couldn't pull up my account. But the rep was able to do it. Which was very weird. So I gave him my Social Security number and he said that my account was frozen because its being investigated by a Global Security Investigation Team. I asked for more information and he said to come in to the bank and we would be able to work it out. So yesterday morning my Son XXXX XXXX and I went to the Chase Bank in XXXX and the banker sat me down for 2 hours just to tell me the same information that everyone else were saying. She also acted like she couldn't find the fraud number that was given to me from the other branch. But when she finally found the number and called it she said the lady wasn't at her desk and to call back in one - two hours. We called the number and the lady never answered, so we left a voicemail. I truly believe the fraud and/or scam was done internally ( employees ). What I would like is access to my account so I can pull my money out of Chase bank and take my business elsewhere. I have bills to pay and I don't have access to my own money. There is a direct deposit from the U.S. Treasury that was deposited in my account yesterday morning as all of this was going on. I called the bank the day before to ask about my deposit and the rep ( lady ) on the phone said it will be in my account on XXXX XXXX, but never said anything about my account being frozen, until my Son and I tried to withdraw funds. In business per the UCC, I do know that businesses are supposed to give notice and notice was never given. Usually when XXXX experiences fraud they would usually reach out to me but they never did. I'm highly disappointed and do not want to deal with this bank anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company loan Depot is not reporting my mortgage payment I reaffirmed my loan after my bankruptcy was discharged they charge me a fee for doing so XXXX and XXXX they have not yet reported my loan payment my mortgage to either credit bureau please help
Product: Debt collection

On XX/XX/2020 I paid my XXXX 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of Credit Control , LLC. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to Credit Control LLC, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Product: Debt collection

I, XXXX XXXX, consumer, hereby demand R.A. Rogers , Inc. to cease and desist all communications with me ( XXXX XXXX ) and I hereby demand R.A. Rogers , Inc. to comply with all requirements of Federal law 15 U.S. Code 1692g ( b ) - Validation of debts. In addition, Im aware R.A. Rogers , Inc. Is attempting to collect an alleged debt, R.A. Rogers , Inc. Be aware that your business practices may result R.A. Rogers , Inc . Fined and 20 years of imprisonment according to Federal law Title 18 U.S. Code 894 ( a ) - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. with prejudice! 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
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. 

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 has violated my rights. Or a list of inquiries : 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

The company refused to approve an Apple Card for me. I haven't use credit cards for the past 25 years. I don't want to use credit cards, but now I want to get a credit card from XXXX Co., since they have an interest free loan option for buying a computer. My computer is old and is not working. I need a new computer, because I am back in school. 

Goldman Sachs wrote me an email the other day, telling me that I am creditworthiness, because I don't have credit cards, and because I have a large student loan. 
Nonetheless, my XXXX XXXX is XXXX, and I just received a new student loan from the U.S. government. If the U.S. government trust me, why can't Goldman Sachs do the same? 
Thank you for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly Experian, XXXX still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/year> they have reported XXXX alone to XXXX after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( Experian, XXXX, and XXXX ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.
Product: Debt collection

ONLINE Information Services claims to be a debt collector and tried to collect money under the use of XXXX XXXX XXXX. When we contacted XXXX XXXX XXXX, they told us that they were not involved with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Formal Notice and Demand XXXX XXXX This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. XXXX  Fraudulent Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance Owed : {$13000.00}. This account is fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries. I demand TransUnion LLC block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days.

Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. Failure to act will leave me no choice but to pursue legal action against TransUnion LLC for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. What would be a good resolution? Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. Your compliance with the law is non-negotiable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I can't remember date XXXX went on credit and was getting unnecessary charges
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX - XXXX
Product: Bank account or service

I am so disappointed in Bank of America, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't bank of America truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend bank of America and all their hidden and unjust fees and they do n't help their customers out in any way!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Collections Reported by Source Receivables Management Dear CFPB, I am writing to formally dispute the collection account reported by Source Receivables Management on my credit report. This account, which I allegedly owe, is erroneous and in violation of several consumer protection laws, including but not limited to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ).

Specifically, Source Receivables Management has failed to provide the necessary disclosures required by law before furnishing any account information to consumer reporting agencies. This omission is a clear violation of my rights under the stated regulations. Additionally, the collection agency has employed false, misleading, and deceptive practices in their attempts to collect this alleged debt, further violating 12 CFR 1006.34.

As such, I am disputing owing any and all debt to Source Receivables Management and hereby revoke all rights of communication with me through email, text, or calls. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough debt validation.

To validate this debt, please provide the following : 1. Verification of the alleged debt.

2. The original contract or purchase agreement between Source Receivables Management and the original creditor. 
XXXX. Proof that Source Receivables Management is licensed and bonded to collect debt in my state. 

Failure to provide these documents will result in the immediate cessation of any collection activities and the removal of this collection account from my credit report. 

I expect this matter to be investigated promptly and to be provided with a written response within 30 days. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I requested a Purchase Agreement from Halsted Financial Services. XXXX XXXX claims this is their account as well. I am unsure who this company is. I have never had an agreement or account with Halsted Financial Services!
Product: Debt collection

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., XXXX business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

ic system reporting two collections appears one of the to be medical debt. under new rule from CFPB XXXX debt is not allowed to be on my credit report.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone used my maiden name and old address to open a paypal synchrony bank credit card account in XX/XX/2019. I did not find out about the account until the thief ran up charges and did not pay the bill and my credit score dropped in XX/XX/2019. I filed a dispute immediately. The entire account is fraudulent, not just one charge. I did not create the account. I did not make any of the purchases. The bank declined my fraud claim twice now based on an inaccurate investigation on their end. They claim the account was open for more than one year and I benefited from it. By their own records, it has been open less than one year and they have provided no proof that I benefited from it. They have not requested any supporting documentation from me despite my follow-up calls and letters. I can prove when I changed my name and moved to demonstrate that I did not create the account. I filed an FTC identity theft report.I put fraud alerts on my credit bureau accounts. I had nearly perfect credit prior to this incident. It is crystal clear from my credit history that I would not and did not open this fraudulent account and fail to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is not correct and there are previous addresses that are not mine see XXXX XXXX  for explanation
Product: Debt collection

When I checked on XXXX I was advice account is placed on hold ... I requested someone to get what on-hold issues -- was told by XXXX XXXX it was cause letter of validation sent XXXXinformed XXXX letter no received.. XXXX advise he would assure it's get sent... 
Ask XXXX for payoff letter... .he stated he couldn't do that until validation was sent .... 
Have not received any further response from company. Trying to close home equity line of credit, this is only outstanding issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below still reporting on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible to correct this accounts in my file : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$11000.00}