23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding Lack of Notice from National Credit Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Systems regarding their failure to provide proper notices in accordance with consumer protection regulations. Specifically, I have not received any notice of dispute or notification of the purchase of a debt from the original creditor as required by law. 

I became aware of a collection account on my credit report from National Credit Systems. However, I never received any communication from them prior to this, informing me of the alleged debt or providing me with an opportunity to dispute it. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive such notices before any negative information is reported to credit bureaus. 

Furthermore, I have not been notified by National Credit Systems that they purchased the debt from the original creditor. It is my understanding that consumers are entitled to this information under the FDCPA, as it affects their rights and options regarding the debt. 

This lack of communication has caused me significant distress and has potentially damaged my credit standing unfairly. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against National Credit Systems for their violation of consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges + - Provide a copy of my signature with the provider of service to release my medical informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

6 Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX, I applied for a loan with Cash Net. The loan was in the amount of {$2600.00}. After being approved. I gave my bank information to have the money taken out. I received a contract stating Cash Net would take out {$200.00}. I was under the impression it was a month, then the contract stated every 2 weeks. I was mislead!! I took out the loan because of having to have XXXX  XXXX on XXXX XXXX for XXXX. If I did not have the XXXX, I would have lost my XXXX. The facility I had the XXXX did not tell me they did not accept payments until a week before the XXXX. I needed {$2500.00} on the day of XXXX. I have been paying this loan because of fear to mess up and have legal fees. I can no longer pay this loan. I am now on social security, and had been paying since XX/XX/XXXX the amount of {$200.00}. I sometimes would defer my loan until the next week because of not being able to pay my rent. When I read the contract, it stated by the end of my loan on XX/XX/XXXX, I would have pd. Cash Net {$8000.00} ... .I do not have this kind of money. This is highway robbery!! I already paid Cash Net {$2400.00} to date, and on XX/XX/XXXX Cash Net is taking out double payment of {$410.00} out of my bank account. I am the sole provider. I have no one. I've already made 12 payments, and can no longer do this!! Cash Net is charging 185.11 %. Taking advantage of someone in desperate need of a loan. I realize Cash Net must charge interest, but 185.11 % is crazy!!
Product: Credit reporting or other personal consumer reports

Transunion is reporting two accounts as open that should not be open and were included in XXXX 

XXXX- is reported open XXXX XXXX- is reported open By having these accounts reporting open it is lowering my credit score. This seems to be a habit of Transunion.
Product: Credit card or prepaid card

I received a credit reporting notice that a late payment was reported on my credit report. I investigated and found that Kohls reported a late payment to my credit report. I looked up my account on the Kohls charge card site to find that the autopay that I had previously setup was no longer setup and my payment wasnt processed. This resulted in a 30 day late payment being reported to my credit file. I spoke with Kohls credit card customer service and they will not fix the 30 day late payment and have refused to acknowledge that my autopay was cancelled by them when my account balance had been at a {$0.00} level. I was not notified of the late payment until after the 30 days had passed. See attached screenshot showing the only notification that the payment was late, this was a voicemail that I received on XX/XX/XXXX, 1 day past the 30 day late mark.
Product: Credit reporting or other personal consumer reports

I submitted disputes in which the investigation was completed but no information was provided to verify the debt. Response states, the company has verified to an experian representative that the debt is valid and will remain on your credit report. No information was provided to me in writing or by mail if the debt was valid or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not believe they did a full investigation on the account because it is incorrect.. Equifax keep on saying that XXXX XXXX XXXX is a charge off, they were paid off and was not late..CFPB step up and remove the account asap
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX
Product: Money transfer, virtual currency, or money service

There were several instances where I was using Zelle and money was lost due to transfers.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has listed remarks on my credit reports that are not accurate. XXXX XXXX  made a remark on my reports that the account with them was charged off for two consecutive months in XXXX, those months are XXXX and XXXX. I requested a debt validation with XXXXXXXX XXXX  but they did not provide me with any proof of late payments to charge off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Money transfer, virtual currency, or money service

I mistakenly sent money to to the wrong person. When contacting cashapp they told me to contact that person and ask them to send it back. Not knowing the person it was never sent back and cashapp would not refund the money.
Product: Credit card

My Dell account shows a balance owed of {$2700.00} for order number XXXX. Dell canceled the order. Dell told me the balance would be removed in 7-10 business days but a month later the balance still exists. Dell told me the issue was with the financing company Comenity Bank. Comenity Bank confirmed to me that there is a balance on the account but would give me no further information. I was referred by Comenity Bank back to Dell. Dell has not assisted me further is closing the balance on the account.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of certain closed accounts from my credit report. Below are the details of the accounts and the actions taken : Account Details : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Account Was Closed : XX/XX/XXXX Issue Description : On XX/XX/XXXX, I reviewed my credit report and noticed that XXXX XXXX XXXX XXXX XXXX are still being reported. The account was closed on XX/XX/XXXX, and I believe it should no longer appear on my credit report, as it is no longer active. 

Actions Taken : Contact with Company : On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX via phone to confirm the status of the account and its closure. I spoke with XXXX who confirmed that the account was indeed closed on XX/XX/XXXX. 

Follow-Up : I also followed up with a call to XXXX and file a dispute on Equifax, XXXX, and XXXX. 

Current Status : As of XX/XX/XXXX, the closed account still appears on my credit report. 

Desired Resolution : I request that XXXX XXXX XXXX XXXX XXXX remove the closed account from my credit report as it no longer reflects my current financial situation. I believe this will help accurately represent my creditworthiness. 

Please let me know if any additional information or documentation is needed to process this request. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Citibank is harassing me by the numerous phone calls. This is a violation of 15 USC 1692d ( 5 ).
Product: Credit reporting or other personal consumer reports

Inaccurate account from some loan place called XXXX. I am victim of identity theft
Product: Credit card or prepaid card

My wife and I " purchased '' points on a timeshare XX/XX/XXXX using Visa card XXXX XXXX XXXX XXXX debited XX/XX/XXXX for {$5300.00} to XXXX  XXXX XXXX XXXX XXXX. We were mislead ( lied to ) in order to make the purchase and disputed the sale from time of purchase. XXXX XXXX, called us XX/XX/XXXX on a recorded line and offered to cancel the contract for this reason. That the contract had never gone through due to identification problems. This was documented and sent to customer service specialist Ms. XXXX XXXX XXXX of Visa. XXXX XXXX ( XXXX XXXX XXXX ) sent papers to sign negating the sale. They said they will keep the money paid, {$5300.00} as part of the settlement for letting us out of our contract. We state that there was never a contract with their own admission as evidence, stated twice on two recorded lines, one ours, one theirs. If there was no valid contract, and there wasn't, they have no right to keep the money and it should be returned. We have an abundance of documentation back and forth showing, without written dispute, that the contract was never in effect. We would be happy to send a file in support of these statements. I am XXXX and my wife is XXXX and financial elder abuse may be a factor here as well.
Product: Credit reporting or other personal consumer reports

Please review the attached letters and ID documents for verification that I, XXXX XXXX, am submitting this complaint. The information on my credit report is incorrect.
Product: Vehicle loan or lease

On XXXX I requested that the dealer XXXX XXXX XXXX XXXX  and the finance company ( Credit Acceptance Inc. to not bully me an coerced me into signing a contract because of my competency level at that time of date for purchase.I am being pressured by the dealer and finance company to stretch my budget by the salesman who has over promised and under delivered on the agreement .Still know remorse with this situation from XXXX to present date ( XXXX ), refuse to show me the purchase contract with the retail installment sales contract to cancel, the dealer can cancel the contract once notifies them in ten days of purchase, whichinfact I again on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX to present.Gouging and swindling my credit score by their greed and selfish desire to profit, wealth an power.Being unethical by showing the willingness to act dishonestly in the return for money and personal gain has caused errors to appear on my credit while an knowing that I was under extreme drastic measures as I had tolded them, trying to destroy my credit by their greed unethical business practice.
Product: Debt collection

In XX/XX/year>, I checked my credit report and found that a Collection Company by the name of CREDIT COLLECTION SERVICES had placed a collection on my credit report. 
I Immediately I wrote them with a formal DEBT VALIDATION REQUEST dated XX/XX/year>. I waited over 60 days prior to contacting them via telephonically to ascertain as to why they never responded to this reasonable request to validate this supposed debt owed by me. Durring this phone call I was transfferred to three different people whom were never able to answer my question. ( See Debt Validatin Request Included Here ) Thus, this complaint is being file now due to numerous egregious violaations of the F.D.C.P.A. by the debt collector here. 1. This debt collector NEVER wrote me or contaced me prior to putting this on my credit report. The F.D.C.P.A. requires that any debt collector send a Dunning letter outlining the right of the supposed debtor to request Debt Validation. No Letter was ever received from this debt collector. 2. The F.D.C.P.A. also requires that a debt collector cease and desist all collection activity after a Debt Validation Request has been submitted. They did not, which is a direct violation of F.D.C.P.A. Section 809 Disputed Debts '' 3. The most egregios of violations by this company is the fact that THEY ARE REPORTING THIS DEBT LATE EVERY MONTH. Which is not only a violation but also illegal under F.C.R.A. This company has absolutely no right whatsoever to report Lates on a credit report when this collection company was not the original company for which this supposed debt came from. Nor did this writer ever enter into a monthly payment agreement with this collection company to late paying... Therefore this company is intentionally hurting this writer every single month with a new late going on the credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Product: Credit card

XXXX  account was hacked for a personal loan & charged my credit card a {$49.00} first payment that I've reported to both companies was not made by me or anyone in my family. They've already come back and said I'm responsible. I want them to track where the IP address is located so they can see it wasn't me. I live in Oklahoma. This occurred around XX/XX/year>
Product: Credit card or prepaid card

I was looking at my account because my account total looked incorrect so I was question my card company and then all of a sudden a unknown purchase from a store I did not go to was on my account. Now the card company is saying that claim can not be processed because it is now to late to make the claim.
Product: Debt collection

I am aware of the debt and in the process of arranging payments The debt collector is calling places of employment and I have co workers now entitled to information that is not any of their business please ask the debt collector to only call my cell XXXX or home phoneXXXX, if I don't answer leave a message or mail me a bill. 

my employer does not allow employees to accept personal phone calls
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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 XXXX XXXX XXXX XXXX XXXXXXXX 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