23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following account : XXXX, is on my credit report from Credence RM. This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Credence RM is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements. Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt. Documentation of the original signed agreement proving I owe this debt. Evidence that Credence RM has the authority to collect in Ohio while attempting to enforce this debt in New York. Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that billing statements alone are insufficient validation of a debt. Credence RM is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), unverifiable debts can not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Credence RM has failed to provide proof that they are authorized to collect this debt in New York while I reside in Ohio. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate New Yorks and Ohios consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.
Product: Credit reporting or other personal consumer reports

Transunion is incorrectly reporting 60 day late payments on credit report. I have never had a 30 day late payment and especially not a 60 day late payment.
Product: Debt collection

I called National Credit Associates in XXXX of XXXX  and asked them to verify the {$5000.00} they say I owe them. I was told someone would get back to me to verify my concerns and that the debt was now considered in a " Dispute '' status. No one has contacted me to date and their false information remains present on my credit reports. 
I filed a dispute through XXXX XXXX and through XXXX. XXXX XXXX supported the claim made NCA and allowed them to remain. XXXX XXXX makes money by collections staying on consumers ' reports, so why would they assist me with this fraudulent claim? 
Currently, NCA is committing fraud by trying to collect on a discharged debt by XXXX XXXX. Currently, for the state of California, where the Debt originated, was XXXX of XXXX. " The statute for debt collectors, is 6 years to file a judgment for an unsealed written contract. '' The statute of limitations for Alabama, where I currently live is 4 years to collect an unsealed debt. Either way, NCA is trying to collect on an expired debt, they don't possess the original contract, they are violating my consumer rights by being present on my credit reports. 
According to : 15 USC 1692 b 18 USC 1038 15 USC 6802 16 CFR 433.2 12 CFR 1016.7 I am exercising my consumer rights to OPT OUT from Any More reporting from this company
Product: Debt collection

All equipment was returned via XXXX on XX/XX/XXXX to XXXX XXXX XXXX and confirmation was made that equipment was received on XX/XX/XXXX and the XXXX reference #  XXXX XXXX XXXX XXXX was contacted DATE/TIME : XXXX XXXX Reference Number : XXXX in regards to this and I was told that XXXX : I was able to confirm that it was already returned. 
XXXX : On XX/XX/XXXX. 
XXXX : Please expect the refund within 1-2 billing cycles. 

DATE/TIME : XXXX XXXX and the Reference Number of the chat is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX this account is fraud i have spoken to the collection company in regard to this account they contact me at my work place. which violated my rights please remove account asap
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report contain errors, inaccuracies, and outdated information that can harm my credit score and financial reputation.
Product: Payday loan, title loan, or personal loan

Company has consistently told me this was funded it has net been, they are holding me accountable for this loan that was never received.I have asked to cancel I have been told I can not cancel.
Product: Debt collection

reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine
Product: Credit reporting

My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX a consumer, and Natural person Sent a Affidavit of fact, to Phoenix Recovery Group on XX/XX/2021 the group recieved the Affidivavit on XXXX XXXX they were given a 10 day response and as of today XXXX XXXX still no response .. They have not ceased in their collection of a debt not owed to them. they are reporting invalidated information to all 3 Credit Agencies ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX  has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. 

They state that it is verified as accurate but have not provided me any of this information.
Product: Debt collection

Per XXXX XXXX XXXX, NCB Management Service is not a registered, licensed or bonded collection agency, debt buyer or collector in the state of Texas. 

Additionally, not only has this account violated my right to privacy promised under 15 USC 1681 Section 602 A but it has also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. The account is : NCB Management Services, account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''
Product: Credit reporting or other personal consumer reports

My info was sold and bought illegally because I was a victim of the Equifax day to breach I want these items deleted off my credit report effective immediately I am attaching proof that Equifax has admitted I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit reports
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company, Santander Consumer USA is reporting the collection account referenced herein. Prior disputes have not produced validation of the debt referenced in this complaint. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements/itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence. 

I am also requesting that Santander Consumer USA cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX, the Federal Trade Commission, and the Texas Attorney Generals Office.
Product: Consumer Loan

Made a payment to Belk Credit ( department store ) to wrong account. Asked them to apply the balance to the right account and they did not do it but charged me a late fee. Asked them to send me a refund on the credit of {$210.00}. They did not refund the money. 
There is currently still a credit on the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX, Oklahoma XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Legal department Formal Dispute of Fraudulent Accounts Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Dear Equifax I only have One Name : XXXX XXXX XXXX ( Only ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Oklahoma XXXX ( Only ) Any other PII that differs from this information is fraud. Please Remove Any other name or address from my FICO consumer credit profile.

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately reported by Equifax. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents.

The fraudulent accounts that I do not recognize are as follows : 1. XX/XX/XXXX : XXXX Account : opened on XX/XX/XXXX {$280.00} account # XXXX 2. XXXX XXXX Account : opened on XX/XX/XXXX {$260.00} 3. XXXX XXXX XXXX : opened on XX/XX/XXXX {$340.00} account # XXXX These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report.

2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid.

3. Blocking of Fraudulent Information : In accordance with FCRA section 605B, I request that Equifax block this fraudulent information from my credit report within four ( 4 ) Business Day of receiving this letter.

Equifax Legal Obligations I previously disputed # ( XXXX ). these fraudulent accounts on XX/XX/XXXX for the second time, but you failed to provide any Proof of Ownership of the debt in question, within the XXXX investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts. 

Additionally, Equifax has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me. 

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit. 
A copy of my government-issued ID. 
A copy of my proof of address. 

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Well I purchased the truck at a car lot in Louisiana they was really trouble from the start but I found the on a legitimate site and thought they had good reviews. Got there after I contact they about the truck and they said I needed a co-signer so I got my mother to go on there. First they tried to finance me into the wrong vehicle, then said my credit changed over night so I got my mother to find out my mother credit was great but then they found a problem now my interest was sky high 29.9 % but then swore in 6 months I could refinance and take my mother off as the co signer. So Im paying XXXX for a XXXX  XXXX to find out Im not the owner Im the co-signer and my mothers the owner. Then did not take or inform me of this. It took XXXX before I was issued a tag I drove around with a XXXX tag for XXXX month then I got XXXX tickets from my local police department which made them then finally send me my tag. But a week into me have the truck I had to change brakes because it started to make this loud noise and the warranty they provided DOES NOT WORK. Then fast foward XXXX  month I find out there a hole in the roof of the car so every time it rain it comes in and makes a mess of the ceiling and leave XXXX spots.Then going to school last week I heard a pop and then all the lights came on the dashboard the engine light the awd light and the stability light and lost power and can for about the airbag malfunction. Contacted them again about who can I go to to fix the problem and still no one excepts the warranty that they provides. So out off money with this predatory loan with the highest interest rates ever and no one will except the service that Im paying XXXX dollars for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and make sure to correct or discard them from my file right away : 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

never gave Experian any written consent to report anything on my consumer report. No consent is identity Theft.
Product: Debt collection

I have contacted Rocky Mountain Mortgage, I have never denied paying the alleged debt owned. I have told the numerous times that my wife would be the best to contact. I also have asked her to email them about the payment, her response was that if the full amount was not given by XX/XX/XXXX after telling and explaining my situation. 

I had no options, I am aware of the rights I have and however it is has been a hassle. I received a call XX/XX/XXXX at XXXX demanding full payment and attorney fees if I wish to keep the home.

I am asking through this method that you please provide me with a full forensic audit.

The first time we requested assistance because of covid we were denied for any grants. They granted a special forbiddance, but no covid grant. I am now going to exercise my rights and get everyone involved.
I will also put the sec.gov in notice and few more agencies.
Product: Student loan

I have a private Student loan with Navient that I was originally forced by XXXX XXXX in lieu of a federal student loan. I was not provided my options at the time and was believed I was getting a Federal Student loan. The loan then went into deferment while I went after another degree. I had no idea that the loan would Ballon to over {$20000.00}. The lender will not work with me to get the loan payments affordable and it has been a financial burden for many years now. This is money that has been thrown away for a unless degree and the loan has a high interest rate. I was not able to discharge it in Bankruptcy and the current status is not fair.
Product: Bank account or service

I opened a bank account at Garden State Community Bank in XXXX, NJ, a branch of New York Community Bank. I explained to the manager XXXX that I would be making cash deposits on a XXXX basis of approximately $ 3,500- {$4000.00} per XXXX based on my XXXX take home pay from where I work. I receive a paycheck from XXXX XXXX Bank each XXXX and then take the check to a XXXX XXXX Bank branch up the block to be cashed. After taking some money for myself and giving my wife some money, I deposit the rest into my checking account in cash to pay bills. She assured me this would not be a problem. A few months later, a new manager, XXXX, informed me that she had heard from the back office that there was a problem. I explained to her what I had explained to XXXX, and she told me everything would be fine with the explanation. A few months later, a new manager, XXXX, said she had been contacted by the back office as well. I explained to her as I had explained to XXXX and XXXX previously, and offered to give her a copy of my pay stubs to show where the cash was coming from. She agreed to review the pay stubs and send copies to the back office. She then assured me there would be no more problems. I then received a letter from the VP of the Bank, XXXX XXXX, informing me that there was suspicious activity in my account and that the bank would be closing my account effective XXXX XXXX of this year. I called and spoke to XXXX and when I explained everything to her, she assured me that everything would be fine and I would be able to continue my banking. I then spoke to XXXX XXXX who told me that he would review it and yes it was the cash deposits i was making, but that it is highly unlikely that the bank will reverse its decision. He informed me that they were under the scrutiny of Homeland Security. I told him that I had a problem with this decision because I was doing nothing illegal. He confirmed I was doing nothing illegal, however he again said it is very unlikely that the bank will overturn its decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused and denied to remove unauthorized credit inquiries from my credit report in compliance to the consumer laws under my rights to dispute all inaccurate information. Also I have fraud alert with Transunion and theses inquiries should not have been permitted without my authorization.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX5 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I entered a Macys holiday contest via XXXX. The prize was {$5000.00}. In XXXX I noticed a credit to my macys account for {$5000.00}. I called customer service to inquire. The representative stated he was unsure but that credit is correct to my account. I called my banking institution as they had recently consolidated a my Macys account. They confirmed it wasnt an overpayment on their end. So I honestly thought I won the holiday contest. 
Months later I get an alert of a reverse charge by Macys. The funds that were deposited to my account was an error of their employees. With that being their error they have charged late fees as well as interest. They have also impacted my credit rating. My Macys credit is XXXX My report reflects that Ive spent XXXX XXXX of my account limit.