23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

- NCB Management services have been contacting me for at least 6 months now for a loan ( A/C # XXXX ) that I don't own. I already have confirmed that the XXXX  XXXX XXXX account ending in XXXX is not mine. I have communicated this information to NCB. 
- NCB reported this account to credit reporting agencies. Interestingly, the account opening or good standing never appeared on the credit reports. It appeared in the collection for the first time. ( A gray area and opportunity to improve the way debt collectors work ) - I inquired with XXXX and they told me to work with the collection agency. 
- I inquire NCB what do you need to establish that this is not my account. They asked for a identity theft police report. A police report number was provided to the NCB representative over the phone. However, they asked for the copy and a policy copy was mailed on XX/XX/2023. 
- On XX/XX/2023 XXXX XXXX a representative of NCB said that they need their investigation packaged to be filled. 
- The investigation package was completed and delivered to NCB in XXXX. 
- On XX/XX/2023 a conference call held between NCB representative XXXX and XXXX representative, XXXX. The whole case was discussed. XXXX confirmed the receipt of police report and all the initial discussions with NCB. 
- XXXX from XXXX suggested to file an FTC identity theft complaint. In addition she suggested to have a fraud alert on file. She also asked for a copy of the police report. These all things provided to her too. XXXX and other reporting agencies removed this item from my credit file. 
- Just when I thought it was done and dusted. NCB again started to call me and ask for money. I talked with XXXX XXXX from NCB on XX/XX/2023. She looked at her record and said yes we have a copy of the police report but we need two forms of IDs. Which I sent to NCB on XX/XX/2023. 
- Comes XXXX and now NCB is again calling. I talked with XXXX on XX/XX/2023, he said he ia supervisor at NCB. He said he would look into it. 
- But now XXXX XXXX on XX/XX/2023 from NCB is calling and rudely asking for money or settlement. He said he would report it to credit agencies. I requested him to transfer my call to XXXX or XXXX. He made a lame excuse and kept on talking. 
- This whole identity theft is horrible. 
- I have done every possible thing and provided everything needed. I have been asking NCB what else do you need to establish that this is identity theft. But a refusal to say anything, they said it's not our responsibility to tell you what to do. seriously?
Product: Credit card or prepaid card

Sears has consistently been negligent in opening fraudulent accounts and has been accessory to assisting fraudulent accounts and applications are approved with my social security number, EVEN THOUGH I HAVE MARKED THEM BOTH AS FRAUD AND HAVE A FREEZE AND 7 YEAR ALERT ON ALL THREE CREDIT BUREAUS. In XX/XX/XXXX there was a fraudulent application for credit submitted and I called to close it and place a fraud marker on my file ( AND my social security number ) as I have consistently been combating identity theft for the past 2 years. In XX/XX/XXXX they stated they had done so and this wouldn't happen again. 

Yesterday, XX/XX/XXXX I received an application alert through XXXX ( AGAIN, almost 1 year later ) that there was an application submitted through Sears with my social security number. Today, XX/XX/XXXX, I called Sears with XXXX and was told by the applications department that the application was CLOSED and there was NO Credit Account open, and that they would place yet another marker on my file. A minute later, XXXX confirmed that the application was actually approved and that the credit file was opened, contrary to the recorded conversation with the woman from Applications. The woman in Fraud Department ( who was nice, yet ineffective, like all Sears and Home Depot associates ) told me that there were two known aliases using my social and that they would mark it as fraud, again. they told me to put a 7 year hold on my account. When I asked WHY they were negligent in regard to both separate fraudulent accounts and applications, and WHY they had just lied in the applications department, I was told to contact SSA and the bureaus. Which I have done twice in the last month. I was then asked if there was anything else and they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX, Experian and XXXX. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) 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.

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

UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last six months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from experian and I have been complaining about this for 3 months now.
Product: Credit reporting or other personal consumer reports

I DISCOVERED THAT SPECIFIC DETAILS ABOUT XXXX HAVING 3 DIFFERENT ACCOUNTS UNDER MY NAME THAT THEY CHANGED 3 TIMES I PAID XXXX BUT DID NOT GIVE CONSENT TO XXXX, XXXX NORE EXPERIAN TO OBTAIN MY CREDIT INFORMATION.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} Dear XXXX, I am writing in regards XXXX Credit account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/XXXX I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Product: Bank account or service

In XXXX I set up a {$10000.00} line of credit for my small business with Bank of America. I understood that I would be paying back this loan in increments and that they would be automatically withdrawn from my checking account. I never ever received any statements in the mail. Over the ensuing years I admit that I forgot about this debt, but assumed that the withdrawals the bank had been making had wiped it clean long ago. 
This past Saturday I decided to review everything online and discovered that, for the past 18 years BofA has been withdrawing about {$90.00} from my checking account monthly but then slapping that account with an equivalent finance charge of virtually the same amount. So I estimate I 've paid the bank about {$18000.00} over the 17 years and my balance due has only been reduced to {$9700.00}. I was absolutely shocked!!! To add insult to injury, the bank also has charged me a $ XXXX/year membership fee!!! Insane! 
The bank has claimed that they did not have my correct address and therefore no statements could be sent. But all my other bank statements are mailed and received. And all the statements I could retrieve online ( only as far back as XXXX although I 've ordered earlier ones ) all have the correct address printed on them. 
For the past decade I have been very diligent in paying all my bills down to XXXX balance every month. But without getting a statement, I had no idea about this debt hanging over me. I could have, and would have, paid it off many years ago. 
I called the bank on Saturday but received no satisfaction. Basically, they claimed that they did nothing illegal and therefore were under no obligation to forgive anything. The most they would consider would be to wave the last three months of finance charges. End of story on their part. 
I do realize that I am not totally in the clear ... I should have been diligent and aware, but the account was set up long before there was any online banking. So without printed monthly statements ( like I have received for every other loan I have ever been involved with ) it is easy to lose track. When I look online, now I see that they list a balance of approx {$9700.00}. But, honestly, because that number has never changed for years, and I have n't used the line of credit at all, I have assumed that was the amount that I had available. 
So basically BofA had constructed an easy $ XXXX/month money-making machine which would have gone on indefinitely as long as I did n't figure it out myself. They in no way ever attempted to contact me through phone or email or other means, although they have contacted me plenty about all sorts of new products and services. 
Please help! 
( note : I am attaching the most recent statement that I found online from XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Money transfer, virtual currency, or money service

Zelle canceled my account because of a misunderstanding even with providing proof it was still unresolved
Product: Credit card

I made the payment to XXXX {$90.00} on XX/XX/XXXX for the XXXX payment. They did not apply the payment to the XXXX payment. I received an email statement that my payment was due on XX/XX/year>. 
I am including the email that I received that I made the payment. 
Hi XXXX, Thanks for making a payment for your XXXX 's Rewards Credit Card account. 
Payment Amount : {$90.00} Processed Date : XX/XX/year> Called XXXX and they will not apply this payment to the account. Stating the the payment wasn't due to XX/XX/XXXX. That they are unable to reverse the {$90.00} payment and apply it to XXXX.
Product: Checking or savings account

As of XX/XX/XXXX, I discovered that my online banking for Wells Fargo was hacked and realized that my identity had been stolen. It was near closing hours for branch, but I called to reported to the bank and asked to lock my online banking, checking account and credit cards. 

I went to the branch again XX/XX/XXXX seeking for help and asking advice for the next step. The banker at Wells Fargo branch assured me that all my accounts are blocked and transactions are under investigation. There is no need to open a new account as the funds will be returned to the same account as investigation gets resolved. 

Even after I reported my accounts had been hacked and my identity was stolen, Well Fargo failed to protect my checking account as the fraudster could continue to access my checking account and order new ATM cards to conduct fraudulent activities. There are Frauded transactions from XX/XX/XXXX all the way to XX/XX/XXXX!! I had reported that all transaction is fraud started XX/XX/XXXX and on. I have visited XXXX California branch reporting frauds as it is happening to my account many times, while all the ATM withdraws are showing that they took place in XXXX XXXX. Well Fargo failed to investigate the fraud transitions properly and are not crediting back my account for the stolen funds.
Product: Vehicle loan or lease

My auto loan was set up with automatic payments for the life of the loan. I recently paid off the loan. JP Morgan Chase allowed additional money to be withdrawn from my personal checking account above and beyond the payoff amount. They did issue a refund check for the overage amount which has still not arrived 30 days after the withdrawal. In addition, they did not disable the automatic payment function associated with the loan, and once the loan closed they removed the functionality on the website that would enable me to manually cancel the automatic payment myself, and so I have had to manually work with both JP Morgan Chase and my personal bank XXXX XXXX XXXX to ensure additional money is not withdrawn from my account.
Product: Debt collection

I C Systems Inc a debt collection agency has an unknown debt on my credit report. They are not authorized to collect debts in Florida. And I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.
Product: Mortgage

Upon applying for the VA mortgage in the amount of {$350000.00} in XXXX of 2021, I was assured all 3 credit reporting agencies would be polled at one time so only one hard hit would be on my credit record. I released my freeze on all 3 agencies for one day and was called with a mortgage refusal as they did not ( failed ) to poll all the agencies-they only did two. I refused and said that is the reason my credit is frozen-you have zero liability while lowering my credit rating. I was at XXXX with the credit agencies. That turned into a real battle and I would not release my freeze and finally I won. 
At closing it is advisable to have an attorney look at papers and with their pathetic closing-It was for a home in Ky. and we were living in Mi so it was remote and we were getting changes on fax up to 30 minutes before signing so basically we were denied any chance for a lawyer to review the details. 
In the beginning of XXXX I elected to pay the remains of my loan off-I paid over XXXX from XXXX & XXXX XXXX XXXX XXXX and XXXX XXXX XXXX would not be accepted so they forced me to pay wire fees for a payoff in the amount of {$480.00}, I did not agree as I felt it was totally unwarranted when over XXXX $ was paid from XXXX XXXX  XXXX XXXX XXXX via ACH. They refused so I said take my escrow which had {$730.00} remains after paying taxes and home owners insurance and they refused to honor that funding. 
Bottom line I had to pay for a wire fee to pay the remains off. We submitted the payoff wire on XX/XX/XXXX for the full amount and have a paid in full letter from them. 
The problem, they claim to have mailed my escrow rebate on the XXXX of XXXX. It is way late and we have received every XXXX XXXX cards and bills remitted to our residence. I believe they are simply holding my money interest free and ripping me off. Their response was we will not send a replacement check for 30 days. I asked them if I had handled my loan payments in a like manner would it have been acceptable and I was hung up upon. Could you please assist me with this very disreputable organization?? 
Thank You.
Product: Checking or savings account

When I called to talk about my capital one saving 360 account, on XX/XX/2023 the rate was quite low until I wanted to move and close account and then I was told I could have been getting a much higher rate for many months prior but was never told that until I wanted to close the account. I was so upset I closed the account there and then moved the money and will not do business with capital one again. I had been a customer for along time, having a XXXX XXXX acct prior.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX i was the victim of a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. I apreciate your help in removing this from my records. 
the Inquiries are as follows : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have insurance and so does my wife. The point I am making is out of no where an account from Ability Recovery Service, appeared on my credit. I reached out to them immediately because the debt does not belong to me and I never received a collection notice from them. I have yet to hear back from the- but they communicated to the bureaus and verified the account belong to me. 

I have enclosed a copy of the insert from my credit that report the account. I was in the middle of financing when this account popped up on my credit and I have never received any communication from them what so ever. 

As you can see it says the account was Opened on XX/XX/2020 and it was First Reported on XX/XX/2020- MY POINT IS WE ARE IN XXXX ... XXXX WHEN DID THEY SEND ME A NOTICE OF DISPUTE??? 
IT APPEARS AS SOON AS THE RECEIVED THE DEBT IN XXXX THE PUT IT ON MY CREDIT IN XXXX!!
Product: Money transfer, virtual currency, or money service

Zelle has not investigated my disputes that I requested in the month of XX/XX/year> they failed to notify of any information regarding my financial dispute thru the bank and their company which has lead to a negative affect financial
Product: Debt collection

I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

XXXX is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. Capital One bank charged off the account of XX/XX/XXXX but neither Capital One Bank or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from Captial One Bank but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed XXXX XXXX XXXX recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that XXXX XXXX reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records