23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I sent a certified letter via USPS to NCB Management Services, I requested that they validate the account to which they say I owe. 

I requested a legible copy of the original agreement bearing my signatures which would state the amount that I agreed to pay. i.e. provide me with a purchase agreement between myself and them or them and the original creditor. 

After requesting these validations to be sent to me, I requested that all future attempts to collect the debt must stop. 

I did not receive proper validation but rather I was contacted via email with an offer to pay or settle. According to 15 USC 1692 ( k ) that is a violation of my rights under the FDCPA.

It has been nearly 40 days since I've contacted NCB Management Services and I have yet to receive proper validation of the account.

NCB Management Services has not provided me with proper validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

NCB Management Services- a collection agency has no authority to furnish an account to a consumer agency without providing any and all disclosures required by law and are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- S 2 ( 7 ) ( A ).

Due to several of my consumer rights being violated, I am requesting that NCB Management Services remove this collection account from my consumer reports immediately.
Product: Checking or savings account

Used my card for a vending machine and was charged over 150.00 in overdraft charges. When I called to help resolve the complaint and explain that I am a XXXX XXXX and do not have XXXX dollars to pay for overdraft fees, they said they could not do anything and would have to take me to collections over the charges. When tried asking for a payment plan, they denied the option and said they would not work with me. I proceeded to ask for a representative who could help and they said it was BBT policy. I am a XXXX XXXX that is not able to pay that much in overdrafts and still be able to pay bills. BBT will not work with me in this situation.
Product: Credit reporting or other personal consumer reports

Creditor : Credit Acceptance Amount Reporting as Owed on Credit Report : {$12.00}, XXXX Credit Acceptance is operating fraudulently by reporting false, inaccurate information on my XXXX and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX accident and the car was totaled out. I notified Credit Acceptance of the accident and left the vehicle at the scene of the accident as it was undrivable and destroyed. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, Credit Acceptance asked me to make a payment to satisfy the account. I sent the payment to Credit Acceptance, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, Credit Acceptance turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, Credit Acceptance sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, Credit Acceptance still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO LIEN HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for 5 years and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the 5 years of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

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

ON XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry
Product: Checking or savings account

I made a {$8000.00} deposit with truist bank in XXXX ga on XX/XX/XXXX. The check was cleared on the XXXX of XXXX and the funds where made available to me. On the XXXX of XXXX my account was locked due to getting disconnected on the phone during the verification process. I was told to go to the local branch by the fraud department and they would be able to unlock my account, when I arrived at the bank the banker told me he could not help me and to ca the number that told me to go to the branch. I spoke with them and they said they should have been able to unlock my account from the branch but the bank was closed by that time. 
The next day on XX/XX/XXXX I was advised that the check has cleared and funded but I needed a notarized letter from the check sender to release my funds. The people who sent the check said they will not provide any information without showing some form of proof. The bank says they have no way to show me through email or with paper why my account is locked. The bank refuses to call and verify the check with the sender without a letter that they won't give me without proof of my account being closed due to their check because the funds are cleared in their side and out of their account. I spoke with a woman on the night of the XXXX of XXXX and she told me tongo to the branch to get the proof letter of why the account is locked as I arrive at the branch the banker tells me that they can not provide any proof to me and to call the fraud department. I called the fraud department and they told me to go the the branch again. So I'm left stuck with no funds and no solution or even proof of why my account is locked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Consumer Financial Protection Bureau** po box 27170 Washington, DC 20529-7170 **Subject : Formal Complaint Against TransUnion for FCRA Violations** Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to report accurate information regarding my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 


I have been monitoring my credit report daily and have found that my XXXX XXXX remains at XXXX, with no changes since XX/XX/year>. Despite expecting updates to my XXXXXXXX XXXX  card account, there have been no changes reflected on my TransUnion report since XX/XX/year>. This lack of updates and accuracy is concerning, as it violates the requirements set forth in the FCRA, particularly under Sections 607 ( b ) and 609 ( a ), which mandate that consumer reporting agencies must ensure maximum possible accuracy and provide consumers access to their file information upon request. 

**FCRA Violations** : - TransUnion 's failure to report accurate information is a clear violation of the FCRA, as it undermines the integrity of credit reporting and can negatively impact my ability to secure loans and employment. 
- Additionally, the ongoing practices of TransUnion appear to mirror those of XXXX and XXXX, both of which have faced lawsuits for similar FCRA violations. 
**Request for Action** : I urge the CFPB to investigate TransUnions practices regarding the reporting of consumer information. Given the recent settlements involving TransUnion, XXXX, and XXXX, it is imperative that the CFPB takes action to ensure compliance and protect consumers. 

**Supporting Evidence** : - I can provide documentation of my communications with TransUnion regarding the inaccurate reporting, as well as any correspondence from the original creditor. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to support this investigation. 

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

I supplied Transunion with proof that ALL of my child support debts were paid off in full and were closed. Transunion erroneously added child support account BACK on my credit report that was not there before thereby causing a grave error and this is affecting my credit. Instead of removing the child support they ADDED child support? How can this be when ALL accounts were paid in full. To make matters worse child support is way too old to be on my report
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered you XXXX, XXXX or Transunion have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Mortgage

I filed a complaint against  two  mortgage companies :  XXXX   XXXX   XXXX  and Nationstar. The filing number is  XXXX .   XXXX  Nationstar has responded to my complaint, but it sends the information regarding the same to my previous attorney,  XXXX   XXXX .  XXXX   XXXX  has lost his license to practice law in Florida due to complaints from citizens regarding his handling of their claim against mortgage companies.   XXXX  He was my attorney in our claims against  XXXX   XXXX   XXXX  and Nationstar.   XXXX  I have numerous email messages from him regarding our complaint, but he is not representing me or my husband.   XXXX  Please ensure that both  XXXX  and Nationstar send correspondence to me as opposed to  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

TRANSUNION is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/ 2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Product: Credit reporting or other personal consumer reports

I have been receiving alerts that my consumer report is being ran which is putting inquiries on my report that I did not authorize. These are dated from XX/XX/2023- XX/XX/2023. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Product: Debt collection

I did not give Phoenix collectors permission to buy my information from another company. This is a very old debt almost 6 years old. I know nothing of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T is violating my rights as a consumer by furnishing information that is not accurate and don't have permission to furnish. They do not have permissible purpose pursuant to 15 USC 1681b. They are also displaying a charge off on a paid in full account. The account is paid in full, so it is impossible for it to be a charge off. This implies that BB & T maybe committing fraud because according to the IRS, in order for an account to have charge off status someone would have to file a 1099c. If that's the case, I didn't receive one from BB & T. This is a violation of 15 USC 1681 ( a ) ( 1 ) - Accuracy and Fairness of Credit Reporting. You are also in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) -Reporting information with actual knowledge of errors. I know this to be true because I've personally on two ( 2 ) occasions brought this to your company 's attention. Most recently I went to your XXXX XXXX XXXX and spoke with your Branch Leader XXXX XXXX ( XXXX # XXXX ) who spoke with your charge off department, and they confirmed the account is paid in full so this further proves your negligence. The comments and late days, derogatory status and other violations listed in my attachments and exhibits are also a violation pursuant to 15 USC 1681b, 15 USC 1692d, 15 USC 1681s-3 and others.

The late 30 and 60 days mark are among several violations one of which is 15 USC 1666b which states : A creditor may not treat a payment on a credit card account ( my social ) under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I did not get a credit card from this company. This is not my address and I have never stayed there in that state this is fraud. I did not open a credit card with the company XXXX XXXX with a balance of {$860.00} this is fraud. I had to out a freeze on my credit as a result of this
Product: Student loan

I was planning on attending XXXX University for XXXX 2010. At the last minute, I decided not to and contacted XXXX XXXX to not dispurse the loan funds to the school and I never signed a promissory note. XXXX XXXX still sent the money to the school. I advised XXXX XXXX that this was never signed and they refuse to help. They never provided proof of this signing as well. XXXX XXXX continues to tell me to get XXXX to send the money back, but it is their responsbility. I did not attend this school and I asked them to send the money back but they refused. XXXX XXXX is billing me for this fraudulent loan and the late fees and interest have doubled the loan to about {$20000.00}.
Product: Credit card or prepaid card

An charge of {$450.00} was posted to my Chase account on XX/XX/21 for an XXXX. I reached out to Chase to investigate as we do NOT have an XXXX account and have never used their services. Chase issued a temporary credit. Months later, the charge reappeared and I was told that I should have made the complaint with a different Chase department. I followed their lead and opened a new fraud complaint. 

A new credit card number was issued and a new investigation opened by CHASE. 
I reached out to Chase again after they concluded the charge was valid. I called XXXX ( as they reservation number is clearly printed on my credit statement. ). The reservation is under someone else 's name. 

We don't have an XXXX account and XXXX told me chase had not investigated with my card number. Chase sent a letter indicating they will not investigate. Our card is in excellent standing and they are not helping at all! 

We need your help! Please.
Product: Checking or savings account

I went to the atm outside of the XXXX  on XXXX XXXX in XXXX NC on XX/XX/XXXX at XXXX to do a Cash deposit. The machine took the {$200.00} but failed to give me a updated balance receipt. The error message said the atm can no longer accept cash deposits and that my transaction had been declined. I went to the bank the next day to speak to them, the teller XXXX XXXX was unable to properly assist me as she asked the teller manageXXXX for assistance. She came back to tell me she would file a dispute that may take up to 10 days and that I needed to agree to this statement in order to get my money back. I refused and asked to speak to someone else and she replied the answer would be the same.
Product: Credit card or prepaid card

To whom it may concern, I have reported a charge that I made on XX/XX/2019 from XXXX XXXX XXXX as a fraud due to the fact that I did not get the service which was a on-going coaching call that I was suppose to get. My claim has been denied 4 time and I have been asking for the specific reason why it kept gettin denied but during the 4 times that they have re-opened my claim they have sent me the same documents over and over again and have not provided me the exact reason why my claim was denied. I have all the evidence and proofs that I was eligible for a refund due to not receiving the service.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. 

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

I FILED A DEPUTE WITH EQUIFAX AND THERE DID NOT CONTACT THE COMPANIES THAT I DEPUTED. EQUIFAX SEND MY THE RESULS OF THE INVESTIGATION AND IT SAYS THAT THE RESULTS ARE FACTUAL. I CONTACTED THE DIFFERENT COMPANIES AND THEY ALL TOLD ME THAT I HAD NO ACCOUNT WITH THEM NOR MY SIGNATURE ASKING FOR CREDIT FOR THEIR COMPANIES.I AM STILL ON THE LINE WITH THEM AT THIS EVERY MOMENT TRYING TO GET THIS INFORMATION TAKEN CARE OF. XXXX -- -ID -- XXXX. SUPERVISOR XXXX -- -ID -- XXXX XXXX IS THE SUPERVISOR AND XXXX IS REFUSE TO CONNECT ME.
Product: Credit card

This complaint is due to my recent inability to download transaction histories on my Discover account, something I remain incapable of doing on my XXXX account, and recent coordinated efforts among other financial institutions to aid XXXX in their criminal endeavors. My current balance with Discover, is almost entirely undelivered items with some fraudulent and double charges thrown in. Around 90 % of that balance, is from XXXX XXXX XXXX. 

XXXX XXXX XXXX spent a good amount of time removing tracking information from my online account whenever I would make a request. They appear to be ignoring me now. I retain a response they sent to the Michigan State Attorney General claiming all these orders had been refunded. They have since appeared to put the tracking back despite attempting to claim it only remains for two months and then removing it for new orders. 

Most interestingly, my XXXX account shows an order that was placed to my discover card, for which I retain the XXXX tracking showing it was returned along with a refund receipt from XXXX. Yet my XXXX account claims it was delivered via XXXX. This order was refunded three weeks late, I believe in response to my previous complaints. There are several unrefunded orders from XXXX XXXX, a company that deleted my entire account history shortly after I filed a dispute with XXXX XXXX  because it showed them double charging every purchase, and shipping them to a random locations. They also seemed to have been allowed to issue manually entered transactions while my account was over its limit, due mostly to promised refunds I never received. XXXX seems to have gotten cold feet about the entire scheme and issued the refunds I was due in late XXXX. 

Why was I unable to download a transaction history. XXXX  XXXX XXXX clearly was confident enough that I wouldn't survive Discover 's dispute process to the point of lying to two Attorney Generals. Should I expect the same treatment that I have received from XXXX XXXX?
Product: Credit card

There are multiple credit cards opened under my name without my permission. I know the person who has opened these accounts and they probably opened them with my social security number and my signature. I do not have the login information for any of these cards, but it is represented on my credit score. I need to report identity theft and get these cards closed.
Product: Credit reporting or other personal consumer reports

I made phone calls to Experian, XXXX and XXXX customer representative departments on XX/XX/XXXX. Inquiring as to why my XXXX XXXX credit card payments have not been reported by their credit bureaus yet. I called XXXX XXXX and they said they had reported it to the credit bureaus. I acquired my XXXX XXXX XXXX card on XX/XX/XXXX. But each one of the Experian, XXXX and XXXX customer representatives said they didn't even show an credit card account open under my name or any credit card payment activities. According to the information I am aware of, my on-time credit card payments to XXXX XXXX should have been reported by the three credit bureaus mentioned by now.
Product: Student loan

I made a payment last month to AidVantage3 which took my account balance from over {$100000.00} USD to under XXXX. My account now says my balance is {$100000.00}. This is not accurate and implies that fees or interest has been added without my knowledge
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Financial LLC has been reporting since X/2014 that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a XXXX. I am trying to refinance my current mortgage and ca n't because this is on my XXXX credit report. XXXX  and XXXX credit reports are correct. I have contacted Ditech Financial LLC on numerous occasions and XXXX and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe Ditech Financial LLC and XXXX are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX