23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about a company called NCA ( National Credit Adjusters ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX  XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with XXXX  and XXXX  regarding this issue, back in XXXX of 2020 this account was with another agency called " XXXX XXXX XXXX XXXX  '' and it was removed! Then the account was sold to National Credit Adjusters and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. National Credit Adjusters have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my XXXX  credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is my account.
Product: Checking or savings account

I have had an ongoing problem with my XXXX debit card through Bank of America, I was a victim of identity theft and had all of my benefits stolen from my account. I had received my unemployment benefits and my balance was empty, but during the XXXX outbreak I had thousands stole from my account. I filled several claims and they were all denied, I had given up on the whole thing because of the constant denial of the claims. There was a claim for XXXX one for XXXX one for XXXX and one for XXXX. I had also had one for XXXX and XXXX, but no more than a day after filing the claims they were being denied, some of the correspondence stating that they had me on surveillance withdrawing from the ATM, but most of almost all transactions were transferred to an unknown XXXX XXXX account. I contacted the bank spoke with claims department, dispute resolution XXXX but all I got was there was no error or I must have gave another person authorization to get the money from my account. I was working in the XXXX area at that time and I was having trouble with my mail and receiving my important mail, I had to put a hold on my mail because it was being stolen. Apparently I had received notices from the bank about my account reevaluation of my claims and they were all in my favor. I explained that I was not getting the mail, I had my room broken into and my information was stolen. There was apparently several new cards ordered and sent to my residence but I never knew anything because I was only able to go home on the weekends and sometimes not even that. I almost never was home so it was impossible to get my mail or anything for that matter, I tried to get help with the bank account and I asked on several occasions if they could close the account and open a new one due to the account being compromised but i was told that they were not able to do that. I have gotten notice after notice denying the reimbursement of the stolen funds and I have been evicted from my apartment, lost my car because I was not able to make the payments and I would like to get my money back from the fraudulent activity. I have filed reports, complaints, grievance and even filed a report to the FDIC but I have not gotten any results. I would like to get this matter taken care of because since then I lost my job because I lost my car and I have not been able to get another job, I have a XXXX XXXX XXXX to provide for and I am having a hard time because I was forced to apply for public assistance, I am not able to have my own home or car to get around in. I have been forced to move back in with my mom as a result of the whole situation, I need to have the fraudulent activity fixed so that I can get my life back on track.
Product: Credit reporting or other personal consumer reports

THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Dear The Bureaus Inc., I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 
Regards, ( redacted )
Product: Mortgage

I have my mortgage with lenderfi. I have paid a few extra payments over the past few months. The companys ledger is very complicated and I could not reconcile their balance with mine although we all agreed on the payments I sent. The difference is roughly a few thousands. I asked for a transaction by transaction ledger which they failed to provide over the last two months.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a hard inquiry appeared on my TransUnion credit report. The credit inquiry was made by XXXX in which I have no affiliation with nor applied for any type of credit with this company. I called this credit card company as the XXXX number showed up on the inquiry and reported the application as fraud. The company said they would forward my information to their fraud department, and the inquiry should eventually get removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Checking or savings account

HISTORY ON CLAIM # XXXX XXXX withdrew more than it was allowed to from my account and this is why the claim was filed. When it was first filed back when the transaction first occurred, there were claim forms paperwork left online for me to fill and I was never notified that there was anything needing my attention until I received a letter in the mail denying my claim on the ground that additional claim information was never received. I called and spoke to claim representation to let them know that I never received any paperwork and that is where I was told that the paperwork in question was left online for me to fill out. 

The claim was continued with the additional paperwork sent ; then I would call and follow up with the claim department as well as Bank of America customer service letting them know that there is an ongoing claim on the overdrawn account # XXXX and that as soon as the claim is resolved the overdraft will also will also be resolved. 
Without any warning my account was closed and when I call to find out why I was told that the balance owing has been reported to XXXX. Shortly after I received a letter from the claim department informing me that they are unable to credit my account because they contacted the merchant and received proof of debit authorization. 
The basis or reason of the credit denial does not make any sense because the claim was filed based on the fact that they were not authorized to take the amount of {$350.00} out of my account. The agreement I have with XXXX was {$160.00} and NOT {$350.00}. These details were all included in the claim. In the meantime the merchant realizing the error sent me a credit refund which took a little longer to get to me and a copy of the refund check is attached. 
It is clear in this case that the claim dept. did not do its job nor due diligence to the fact contained in the claim other wise they would have found out that the claim was valid along with the details I told them. Had they done their jobs the merchant would have told them of the error and the overcharge which caused my checking account to be overdrawn. Had they done their job in a timely manner they would have credited my account back and would have prevented my account closure. The credit refund from the merchant has been attached to this fax and is a proof that Bank of America Claim Dept. DID NOT DO THEIR JOB and therefore I am requesting the following : 1. Crediting of all fees back to balance on the closed account # XXXX 2. I need our information taken out of XXXX and a confirmation in a form of our XXXX report be sent to our address XXXX XXXX XXXX XXXX XXXX CA XXXX 3. If possible, can we have the account that was closed reopen since the closure should not have happened? 
I am available to answer any questions you may have, please call XXXX. 

Update on dispute On XX/XX/2018 I received a letter from Bank of America and I was very disappointed that Bank of America once again didn't even take the time to review my resubmitted claim again for the third time and just quickly sent me a letter stating they are again unable to resolve this dispute correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me its has been open fraudulently under a social security number thats is not mine from Cavalry Portfolio services with account that begins or ends with XXXX thats is being reported to XXXX  in which I have reached out to XXXX  and cavalry portfolio services and neither one of these companies have corrected the this fraudulent account
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Re : Request for Removal of Collection Account from Credit Report Dear TransUnion, I am writing to formally dispute the accuracy of a collection account reported on my credit report. Upon reviewing my credit report, I have identified a collection account that I believe to be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ), Section 611. 

The specific collection account in question is : 1. XXXX XXXX XXXX # XXXX I am disputing this account for the following reasons : 1. This Debt Is Not Mine : Under the FCRA, I am entitled to an investigation of this disputed information and the removal of any information that is found to be inaccurate, incomplete, or unverifiable. I request that you conduct a thorough investigation into this collection account and remove it from my credit report if it can not be verified or is found to be inaccurate. 
Please provide me with written confirmation of the results of your investigation and any actions taken to correct my credit report. According to the FCRA, you have 30 days to investigate and respond to my dispute. 
Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have over XXXX hard inquires and XXXX soft on my report. Please remove this off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

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 XXXXXXXX All XXXX being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts and transactions on my credit report that I did not authorize or benefit from in any way. Understanding the seriousness of this, I immediately filed a report with the Federal Trade Commission and took the necessary steps to dispute these items. However, despite my efforts, these unauthorized entries remain on my report, continuing to harm my financial standing. It is extremely frustrating to deal with the consequences of someone elses misuse of my personal information.
Product: Debt collection

I borrowed {$700.00} from Atlas Credit Company , Inc., XXXX, on XX/XX/XXXX. The monthly payment due is {$98.00} for XXXX months. I had previously borrowed from them and in less than a month, I REPAID THEM IN FULL. But I borrowed again later, and this time I can not make my payments, and I do indeed owe them their money. That said, the Branch XXXX XXXX XXXX continues bombard me with collection letters, EVEN AFTER I sent them this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX ( or to Whom It May Concern ) : I borrowed {$700.00} from you. I am unable to repay any of it. I do not have a telephone whatsoever at this time ( mine broke ), and do not know when - or if- I will be able to afford XXXX. My references for the loan are being constantly pestered. 

In accordance with the " XXXX XXXX and Collections Privacy Act '' : XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This is your written notification that I want you to cease further communications with both me and all of my references. I will report any and all violations of this law by your company to the appropriate agencies, from this point forward. 

I am sorry this has happened, but this is the situation that I find myself in. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX She is violating federal law in that she is required by law to now either tell me they plan to sue me or write off the debt. I am sick of this and her company should be reprimanded for their illegal actions. ( My telephone broke and so please contact me by my email address : XXXX. I have not yet replaced the phone, BUT it is NOT due to my trying to avoid collection calls ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account XXXX XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate Settlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damage to my credit score and my financial stability. 

I request that you investigate these inaccuracies and take appropriate action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$0.00} XXXX-Balance {$14000.00} XXXX XXXXXXXXBalance {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,