23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>. Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$420.00} which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$3700.00} for services I never used and refuse to remove it from my credit report, in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
Product: Mortgage

My wife and I want to refinance, to reduce interest paid and not increase ( much ) the time left on our current mortgage. My wife is abroad, will remain abroad for another few weeks. She appointed me as a Power of Attorney and an attorney drew up the document which she properly signed and which was notarized a couple years ago. We own our home jointly. 

The refi company, loandepot, asked for a copy of the POA. I work at home, have neither a scanner nor a FAX. I took a photo of each page of the POA with my XXXX, imported the photos into XXXX, and saved it as a pdf. In an email dated XXXX XXXX  Tuesday, XX/XX/XXXX, the direct loan processor at loandepot working with me, XXXX XXXX, wrote me in an email, " Power of attorney was approved yesterday evening '' and loandepot scheduled closing on XX/XX/XXXX. Closing seemed to proceed more or less OK, although I found various detects in loandepot 's documents ( they got my birthday wrong by one day, although the closer had copies of my photoIDs ( passport and drivers license ) for over a week ) ). I offered twice to show the closer the original POA but he declined, stating it was not necessary and that it had already been approved. 

Now loandepot wants me to scan or FAX the POA to them immediately. The demand comes in phone calls from individuals claiming to be loandepot ( how to know an unexpected caller is legit? ) and was not made in writing until I complained to them today. I own neither a scanner nor a FAX. It is not clear they will fund the mortgage. We will suffer some financial consequences if they do not fund and we eventually have to accept a higher interest rate from someone else. On Monday evening XX/XX/XXXX, I got fever and other symptoms and on Tuesday got a XXXX test. If I were not required to quarantine, I would happily go to XXXX and scan the POA but I am in XXXX. loandepot 's written statement that the POA is approved does not bind them, apparently, and they seem to push me to violate law to satisfy their arbitrary change of mind. Violating quarantine is not something I will do. 

A POA is a powerful document, our attorney advised us. He also advised us not to make copies available too easily, lest someone gain a copy and seek to use it fraudulently. So I prefer not to upload my wife 's POA onto your website. I am available it you want to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Professional Credit management to pay to delete a debt on XX/XX/2021 and made the payment online.
Product: Debt collection

XXXX XXXX XXXX has been harassing me through Credence Resource Management and damaging my credit score and it needs to stop. My credit score dropped XXXX points due to their claim. It's a {$140.00} account that XXXX XXXX XXXX refuses to close. 

This is now the third time that I've had to dispute this damage to my credit report. The debt has already been found to be invalid. It was found invalid on XX/XX/XXXX as well as on XX/XX/XXXX by all three credit reporting companies. I have previously reported this to the CFPB, but they have hired another, different, debt collection company to harass me daily and damage my credit once again. This is the third time that my credit report has been affected by this account, despite not owing the debt and this being found to be true by the independent party that is the credit reporting system. I have filed another dispute today, XX/XX/XXXX, but this isn't something I should have to take care of once a year. 

Damaging credit scores through shady debt collection companies in order to harass previous customers into paying for services they did not receive is borderline mobster behavior. I shouldn't have to pay money I don't owe just to have a year of peace without worrying about massive drops to my credit. This has clearly become retaliatory behavior in response to my successful dispute claims. XXXX XXXX XXXX needs to drop it's predatory tactics and receive a large fine for engaging in them.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I started paying back my student loans sometime last year and I was eligible for forgiveness on the loan but was not informed from the company my loan is through ( Nelnet ). A different company contacted me and told me I was eligible and told me that nelnet should have contacted me about the forgiveness. They told me I could file against them
Product: Credit reporting, credit repair services, or other personal consumer reports

requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number XXXX my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we called XXXX XXXX. XXXX XXXX. I never spoke to them at any point in the conversation. My wife spoke on my behalf while I was present. My wife did not give them permission from me or herself AT ANY TIME to do any soft or hard inquiries on my credit report. They decided to pull my credit anyway on the XXXX and the XXXX. This is a direct violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : Formal Dispute of Invalid Debt National Credit Systems ( Account No. XXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint and dispute regarding an illegitimate and unrealistic debt allegedly owed to National Credit Systems ( NCS ) on behalf of XXXX XXXX at XXXX XXXX. This debt, amounting to {$16000.00}, is entirely unjustified, and I demand immediate intervention. 

Grounds for Dispute : 1. Lack of a Signed Agreement I have never signed any agreement with National Credit Systems. They are attempting to collect a debt I do not acknowledge.

2. Failure to Provide Proper Validation Under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a collector must provide valid proof of the debt upon request. To date, NCS has failed to supply a legally sufficient agreement bearing my signature.

3. Unreasonable and Inflated Balance The amount claimed is excessive and does not reflect any legitimate contractual obligation on my part. The burden of proof is on NCS to justify this amount.

4. Potential Violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 If this unverifiable debt is being reported to the credit bureaus, NCS is in violation of federal law by furnishing inaccurate or misleading information.

5. Harassment and Unfair Collection Practices The collection tactics used by NCS are aggressive and lack any verifiable basis. This is a clear violation of my consumer rights under 15 U.S.C. 1692d ( prohibiting harassment or abusive practices ).

Formal Requests : Demand for Full Debt Validation NCS must immediately provide a legally binding contract with my signature proving this debt is valid.

Immediate Removal from Credit Reports If this debt has been reported, I demand that it be removed immediately due to lack of verification.

CFPB Investigation and Sanctions I request the CFPB investigate NCS for unlawful collection practices and pursue enforcement action if violations are found. 

This complaint is being submitted due to NCSs complete failure to provide legitimate proof of debt. If action is not taken, I will escalate this matter to my states Attorney General, the Federal Trade Commission ( FTC ), and pursue legal remedies. 

I expect a response within 30 days, as mandated by federal law. 

Sincerely, XXXX XXXX Attachments : Copy of NCS collection letter
Product: Credit reporting or other personal consumer reports

i have received my disclosure from XXXX and pacer, experian said it comes back verified as accurate when the issue is XXXX doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ XXXX XXXX and they all said they cant verify the information as none of them share with XXXX parties so experian lied.
Product: Credit card or prepaid card

This is a formal request for an investigation of this account 's creditor remarks, date opened, and date last reported. There is a possibility that this information may be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banco Popular de Puerto Rico already made a mistake back in XXXX to the effect they had to issue a letter admitting the mistake on my credit report. Now, once again, and I spoke with them on Friday, XX/XX/XXXX and sent them an electronic mail on XX/XX/XXXX. Their mistakes have made me incur in time and resources due to their unprofessionalism. As I stated in my letter, Banks in Puerto Rico should be seroiusly and carefully monitored. Another PR Bank reflects a balance on my credit when it was paid in full in XX/XX/XXXX. The Covid-19 related excuses they use are incoreect as these errors can be fixed from their comfort of their home if they cared. TIME IS OF THE ESSENCE. INTEREST RATES ARE AT RECORD LOWS NOW. They are beyond anyones belief. I have had XXXX, XXXX XXXX, etc., NEVER AN ISSUE. THANKS
Product: Credit reporting or other personal consumer reports

Tran Union is violating my rights by reporting Fraud info on my credit report. I asked several time to remove these fraud inquiries XXXX XXXX ( Miscellaneous ) XX/XX/year>XXXX XXXX XXXX  ( Bank ) XX/XX/year> I contacted the company above & they said they will investigate & remove but nothing. 
I filed an FTC report & police report. I am a victim of ID theft & I am supposed to have fraud alerts on my trans union account. 
Tran union has already breached my data & Im just tired of hackers getting my personal info. 
Also trans union has made a serious error in computing XXXX XXXX XXXX XXXXcently XXXX points were dropped when my credit is excellent & only thing that changed was I used {$70.00} something on one of credit cards when I have 1 % of utilization, I have $ XXXX in positive credit & I use {$75.00} & it goes down XXXX point smh Trans Union plays games & their computer generated XXXX  system is so full of flaws. There is absolutely no reason my credit dropped that much, I have no collections, no new accounts nothing else negative. Tran Union just loves to pick on me & hold me back. Im fed up with Trans union & I am going to seek legal matters asap!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, XXXX, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Checking or savings account

On XX/XX/XXXX I used the XXXX Bank ATM on XXXX XXXX in XXXX, MA this was about XXXX. I attempted to deposit {$1300.00} of which the an initial {$450.00} was being deposited when the ATM malfunctioned and shut down with my deposits in the machine. I waited in vain to receive my funds bank as the machine showed an error message on turning back on. I contacted the bank in regards to my experience and was promptly assisted including depositing a conditional credit while they investigate. However four weeks later the bank sent me a letter than after investigating they found only an overage of {$50.00} on that machine and immediately withdrew funds from my account. I was perturbed as to why the bank with cameras etc at the ATM machine would not share their evidence but simply made a decision without even looking at my own evidence. I had a recording and images of my own which I shared with the bank instead they ignored them and now continue to charge overdraft fees on my account. I have made several attempts to explain my situation but to no avail. I have lost confidence in using the ATM service as any malfunction falls squarely on me. This is a service I use because of long hours at work that are out of the bank operation times. I am requesting through this agency that the bank reviews its records including my own evidence which clearly shows no funds being released from the machine. And remove overdraft fees arising from this bank error.
Product: Credit card or prepaid card

I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) - WF would close the account and upon closure, I would lose the reward I had accumulated. 

Over the next several months, I called WF at least twice and sent numerous emails requesting that a card be sent to me. WF did send me a CC, but it was attached to another account I had with WF. I informed them of their error, and asked again that they send a CC for the account in question, and that they not close the account without first doing so. 

WF never sent me a CC and - in spite of their promise not to close the account when I specifically requested that they not close it - the account was closed and my rewards cash 'disappeared '. Subsequent emails requesting this error be corrected have been answered with denials of wrongdoing and rejection of my request. 

WF also uses an 'in house ' email system with customers that deletes emails after a short time frame. All emails with WF are now deleted from their proprietary system. 

I would like to be reimbursed the money that - according to our contract - I earned through purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report ALLY Financial on XXXX XXXX ran my credit report XXXX on XXXX XXXX ran my credit report XXXX XXXX XXXX XXXX  on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report I have already did my FTC Report I also sent the FTC to the credit bureau, but they came back saying that this was correct, specifically stating that I would like for this companies to send the correct and proper documents showing that I applied with them ; they have not and have failed too.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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

Hello, I have requested my consumer report from lexus nexus on XXXX, XXXX, XXXX and now again on XXXX. I have not been able to receive that report, I have called and suspiciously they are asking me what i would like to dispute on my report. I am not going give them that information until I have a copy in my hands. I wont provide that information they can make changes to the incorrect data to say they are reporting correctly.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was offered a credit card by CapitalOne/Bjs via mail, I applied and my applications was denied because the company said " Based on your application information, income is insufficient for amount of credit request '' But I didn't apply for a specific amount of credit. Also, my household annual income is more than XXXX XXXX/year, so I'm not sure what was the real reason for denying my application since my income would be sufficient for a regular credit card with a usual credit amount for a consumer like myself.