23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB Management is a very unethical company they have purchased debt from XXXX XXXX claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " XXXX transaction history '' as if the file sent was from XXXX when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. Ncb claims I owe XXXX and XXXX said I owed XXXX ncb management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the XXXX needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're XXXX  them to collect dollars when you bought the debt for pennies. Its disgusting.
Product: Debt collection

LJ Ross will not remove from my credit. I spoke to both LJ Ross and XXXX XXXX XXXX XXXX. They both tell me that neither one of their company 's can remove this debt that has been paid in full.
Product: Debt collection

American Express debt collectors spoof numbers from my recent phone calls. I answer the call because it looked like it came from my friend that I have just spoken with. When I answer, I am directed to a phone dialing XXXX. 
I know I owe AMEX ; however, how can the debt collectors spoof the numbers of my friends to get me to answer the call? 
Is this legal?
Product: Credit reporting or other personal consumer reports

I was shocked and confused this afternoon when I saw inaccurate accounts suddenly appear on my credit report, and I have no explanation for how they got there. I check my credit report regularly, and this has never happened before. I even refreshed the page, hoping it was a browser issue, but the errors stayed. This has left me really anxious, and Im requesting that the documents I sent be carefully reviewed so I can stop stressing about this.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Mortgage

I have a complaint against my mortgage Co Selene Finance. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX phone # XXXXXXXXXXXX XXXX sold my mortgage to Selene. I had an agreement with XXXX that if i paid before the end of the given month i would not be charge late fee. I was not behind on my mortgage. Once this was sold I also contacted Selene and asked them to do the same since we live pay check to pay check and my husband gets paid on the XXXX sometimes going past the XXXX which the mortage is due by. they would not comply with this. To make matters worse I was out of work due to an opperation and did not get paid right away. The mortage was due so we sent in {$1100.00} not the full {$1400.00}. What we did pay was the principal and interest and some towards the escrow for taxes and insurance. They cashed the check but said they can not credit the account because they do not post partial payments. So now my statement shows {$1100.00} unapplied and am considered late. I want them to post the {$1100.00} and not consider me late. What else can I do. I also want them to work with me to not charge the late fees which are building up. What can I do. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act " XXXX XXXX XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completes of the information/account.

I demand that the following account be validated or DELETED from my Equifax Credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

This is not my debt. I have never had an account with XXXX XXXX. For years now, various debt collection companies have been trying to collect this, I dispute it, and then they resell the debt and someone else tries to collect it.
Product: Mortgage

Erroneous item CHASE # XXXX ( or Chase Mortgage XXXX. ) reported by Chase to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Chase has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Chase has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Product: Credit card or prepaid card

When I noticed the billing error with Discover credit card services. I sent a affidavit of truth on XX/XX/2023. I requested documentary evidence in order to resolve the billing error. Discover did not provide me with what I requested and failed 15 USC 44 and 15 USC 1666 ( b ) ( 2 ). This is a 15 USC 1601 violation and Discover is civilly liable to me under 15 USC 1640.
Product: Credit card or prepaid card

Citi Mastercard : XX/XX/XXXX : I was scammed into purchasing and sending {$400.00} & {$600.00} to someone I thought was an associate of the state society I am a chair on. When I called the credit card company the first time they took my information and said it would be looked into. 
2 weeks later I called again. This time the person took more details : the police report number, the police man 's name, etc ... and told me that it generally took 30 days to get back to the customer after the investigation. Both of the people who answered the phone were very difficult to understand. The 3rd time I called, Sunday, XX/XX/XXXX was after I received a letter in the mail saying the dispute was closed and it was my responsibility. 
When I called this time after many transfers I spoke with a supervisor located in Florida. She said that as soon as I said the word " Scam '' they did not have to investigate anything. There policy is not to tell the customer that, but send a letter. The 2nd person I spoke to took all the details about my police report for no reason as they investigated nothing. She asked if I wanted the number of another supervisor to call, but if I wanted to dispute their policy I would need to right a letter, I could no longer call. The representatives of this company Citibank , N.A . gave untruthful information to me their customer and were not straightforward or honest with me.
Product: Debt collection

I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$490.00XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Bankruptcy : Discharged XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX : {$0.00} U.S. Bankruptcy Court XXXXXXXX XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX Inquiry Date XX/XX/XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XX/XX/XXXX ; 5. XXXX - CARD SERVICE Inquiry Date XX/XX/XXXX ; 6. XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2023. Since then the account has reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I purchased a rug in a village an hour or so outside of XXXX, XXXX in XX/XX/XXXX. I wanted to purchase a blue rug, and it was a cheap store. The seller and I negotiated heavily for more than an hour, and agreed on a price of what was equivalent to {$75.00} for a cheap rug that originally started from nearly XXXX the price originally. 

I come back to the states to find that the company has billed me for XXXX the agreed upon price. The company charged me much more than it was, and has refused to communicate with me when reached out through XXXX.
Product: Mortgage

I submit my mortgage payments to Rocket Mortgage electronically. In XX/XX/2021, I submitted the payment electronically but was told I used the wrong account. I was charged a late fee of {$50.00} TWICE ( XX/XX/XXXX and XXXX ) for a total of {$100.00}. The company stated the issue occurred in XXXX but I was not notified via mail nor did it show on up the electronic statement until XXXX, 2021. The total in fees was {$100.00}, and due to flaws in their online system I was FORCED to pay the fee with when paying my XXXX mortgage. I changed the checking account from XXXX to XXXX in XXXX, BUT I believe when the company updated their system in XXXX ( changed from Quicken to Rocket ) they changed it back to XXXX. Rocket states it was NOT their fault but rather their service provider XXXX. I asked Rocket for documentation which states a {$50.00} fee would be charged for 2 presentations of NSF electronic payment but as of today - XX/XX/XXXX, I have yet to receive it. Rocket told me to check with my bank but if the bank was XXXX, that would be impossible because that account was closed in XXXX. Rocket Mortgage does not have any information on Fees charged for electronic NSF on their website and I have requested that multiple times of the past 45 days. I feel the fees were excessive and the response and lack of fee documentation unacceptable, especially the 2 month delay in the fees appears on the electronic statement ( email communication went to spam and Rocket claims I entered the wrong mailing address ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

XXXX XXXX have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX - Closed XXXX/Feb-Retail XXXX   XXXX - Closed With XXXX XXXX XXXX - XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RETAIL XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RETAIL XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Product: Credit card or prepaid card

I used a Bank of America mastercard to purchase an airline ticket through an online website travel agent called XXXX for XXXX XXXX. Purchased XX/XX/XXXX for {$830.00} Flight was for XXXX Due to COVID the airline cancelled the flights in XXXX. I have emailed numerous times to travel agent for a refund and they will not give it to me. They keep stating it is up to the airline to authorize the refund. 
I filed a credit card dispute on XXXX, received a confirmation letter. Called again in XX/XX/XXXX and was told B of A hasnt even contacted merchant yet to investigate this claim.
Product: Credit reporting or other personal consumer reports

Last month, I discovered that a previously unreported credit account suddenly appeared on my XXXX and Experian credit reports, yet it is entirely absent from my XXXX file. This unexpected appearance of the account raises serious concerns about its legitimacy. Upon reviewing the reports, I found significant discrepancies in how the account is presented between the two bureaus : Account Name and Number Differences : On XXXX, the account is listed under the name XX/XX/XXXX with Account Number unknown. On Experian, the same account is reported under the name XXXX XXXX with Account Number XXXX. 
Timing of Reporting : This account was not present on any of my credit files before last month, indicating that it was added without my knowledge or authorization. 
Additional Reporting Inconsistencies : Besides the differences in the account name and number, there are further discrepancies in the reported payment history and creditor information between the two reports. These variances suggest that the information is unverifiable and possibly fraudulent.

The inconsistent and unauthorized appearance of this account violates the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 requires that any disputed or unverifiable information must be promptly deleted from a consumers credit report. In addition, FCRA Section 623 mandates that furnishers provide only accurate and verifiable data, while FCRA Section 604 restricts the reporting of credit inquiries and accounts to those with a legally permissible purpose. The conflicting details between XXXX and Experian indicate that the information being reported is inaccurate and unverified, which has already adversely affected my credit profile. 
I have attached copies of the relevant XXXX and Experian reports as supporting evidence of these discrepancies.
Product: Checking or savings account

From the time I stepped in this bank .This bank was operating in bad faith They contracted with a ALL CAPS NAME and basically used that name against me and tried to make me liable for this account.I opened up my account for me the NATURAL LIVING PERSON so I could benefit from it.And from day one I was lied toThis company in fact privatized my information and used it against myself and when I reported this bank they closed the account and ran off with my PRIVATE INFORMATIONNow they have fraudulent information on my credit report stating I owe them STANDY BY CASH THAT I IN FACT ASKED THEM to verify and they have not yet verified it.I asked to validate any debt because and the debt dont matter to me because Im not a CITIZEN OF THE UNITED STATES.So if they have a debt take it up with the federal corporation not me8 usc 1408 and they yet to do that .I want all 3 Security agreements/applications back since they didnt operate in good faith.!!!! I want the application back from that {$3000.00} loan stop I AM NOT THIS ALL CAPS NAME
Product: Money transfer, virtual currency, or money service

I own a XXXXXX/XX/XXXXXX/XX/XXXXA customer yesterday, XX/XX/XXXX, placed an order and used PayPal to check out for the amount of {$74.00}. I received an email from PayPal to complete my business account. I completed that as requested. I then received another email from PayPal stating I need to add in my personal email address which is tied to the payment in XXXX. I did as requested. Then today, XX/XX/XXXX, I got an email stating I need to update info and my account is on hold. I logged in and it asked for my license/ ID, which was not requested during setup. I added that info. After uploading that, the very next screen said my account is suspended. No reason why. I can not access the funds that were sent to me. Customers can no longer use PayPal on my website. I called on XX/XX/XXXX and spoke with XXXX. She said she could appeal for me and could not see why this occurred. She did the appeal and said it may take 5 business days to get an email about the decision. She gave me a reference number or case number of XXXX.