23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Incorrect name and addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXXXXXX XXXX XXXXXXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Accuracy of credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : 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 of such dispute, the agency shall 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, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, I am writing to report an issue with American Express ( " AMEX '' ) Gold Delta SkyMiles Credit Card ( " AMEX Delta '' ). 

I was referred to apply for an AMEX Delta credit card. ( Please see attachment # 1 ). I was supposed to received XXXX Delta SkyMiles as a referral bonus after I spend {$3000.00} in purchases on the card in the  first 4 months of card membership. 

I have met the requirement in the first two billing cycles. However, AMEX didn't honor what they advertised. 

I have called customer service center twice to request the XXXX Delta SkyMiles bonus as advertised/promoted. AMEX 's response was simply I am not qualified for the bonus. 

I requested further explanation but they didn't provide any explanation. They are keep saying that I am abusing AMEX bonus promotion. 

I further explained that I closed one personal AMEX account and one corporate AMEX account ( this is due to change of employer ) and opened one corporate AMEX account ( this is due to new employer ) within two years. 

They didn't think this is abuse of AMEX bonus promotion. However, they told me that the decision was already made and can't be changed. 

I believe I earned the bonus by meeting their requirement from the advertisement. I have not abused AMEX bonus promotion as they acknowledged. 

Please help me to resolve the issue. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel  and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) Capital One Bank, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint XXXX, XXXX, and XXXX & I am including these again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 sent this information below over a month ago.. I was supposed to have a response in ( 4 ) days according to the credit law and letter on the Equifax website, but I didn't get a response in regards to the request. According to the law I should have had this matter addressed within those 4 days. And the issues was not handled in that time frame. I attached all documents and proof requested in prior disputes. 


XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of utmost concern regarding the unauthorized disclosure and potential trafficking of my personal information on the dark web. 

I was aware of the distressing situation through reliable sources and have reason to believe that my sensitive personal data, such as Name, Email, Passwords, social, address, Credit information had been exposed and potentially exploited for malicious purposes. 

Despite my best efforts, it appears that my data was fallen victim to a multiple online security breach, leading to its presence on the dark web. 

The implications of this breach are grave and extend beyond the immediate concerns of identity theft and financial fraud. Along with credit accounts and false information on my credit report. The dark web 's illicit activities pose a significant risk to my personal safety, reputation, and overall well-being. 

The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days , pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Thank you, XXXX XXXX
Product: Mortgage

Forced Foreclosures-  Wells Fargo Unethical Strategy -FHA Mortgagors Main Tar get  XXXX   XXXX  after losing  XXXX  yrs. full time employment was able to use the remainder of my Illinois  Hardest Fund. When depleted, contacted my lender WF who at  their suggestion began my attempt to Short-Sale my home. Since  XXXX  I have had  XXXX  contracts submitted.  XXXX  of which withdrew because  1. WF  long delays in acceptance/denial periods. Counter bids by buyers went unanswered even though these bids were found to be thousands more than  WF was asking. 2. WF  never spoke to me regarding the 120 day time-frame in which they were to have offered me a Deed-in-lieu option thus eliminating that option for me. 3. Practice Duel-tracking  (  sale dates initiated while valid contracts are being processed )  XXXX . Violation of the  Rosenthal Ac  t ( p retending to process short-sale and verbally agreeing to extend sale dates but then follow up with letters after the fact using language like, " requested sale date be extended '' to keep Mortgagors from taking any precautionary measures i.e, bankruptcy or attorney ) 5. Violation of HUD requirements of offering mortgagor as occupant required  HUD-1  relocation funds nor attempted to visit mortgagor at the home which is less than  XXXX  miles of a Wf site ( FHA-HUD requirements before foreclosure begins  ) 6.  Denied Streamlined Short-sale when  XXXX  of the  XXXX  criteria had been met 7. Made to Begin process over even when offers were consecutiv e ( days apart ) 8.   Breach  of Settlement Statement Agreement  withdrew relocation funds 9.  Breach of Good Faith and Fair Dealing 10. Conspiracy to force Foreclosure of FHA Mortgagors to sale property, collect FHA insurance and attach deficiencies to  Mortgagors   11. Attaching day after sale dates to court orders knowing the practice of short-sale applications not being based on their merits but dening based on sale date. Lucky for me The Judge saw thru this last practice of trying to dupe the judges Status Hearing Orders and vacated sale date Altogether.          WF Loan  #  XXXX   WF Executive Ofc.  complaint tkt #  XXXX  -  XXXX   XXXX , Solution Specialist HUD Acct.  XXXX  HUD  Inquiry Tkt  #  XXXX   XXXX   XXXX   Circuit Court Case   XXXX   XXXX  Short-Sale Law Firm -  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  Thanking you in advance for your consideration to review. I strongly believe that elderly persons are victims of this most   XXXX   strategy.
Product: Debt collection

We are two XXXX persons and have the time moved in with our son. We do not nor have we ever had XXXX XXXX. When we moved two different location we began to get the same bill however it is not his debt, I have written over and over and over again to XXXX XXXX to get them to proof up this debt and address Etc with no response that was at two different addresses now we have moved into our final home after losing our home to XXXX drywall and we get this letter, I know that our son does have a outstanding account with XXXX XXXX for XXXX and {$99.00} apparently he admits to. I need some assistance in getting this straightened out, Social Security numbers signatures document stating that my XXXX husband owes this amount. A copy of the original debt and original application for quote XXXX XXXX with signature and correct name
Product: Credit card

I signed a contract for XXXX insurance with Pentagon Federal. The agreement I signed says the price is {$440.00}. PenFed charged my XXXX card {$520.00} and said their price changed even though the contract and legal agreement I signed stated {$440.00}
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX  that the debt is fraudulent, but the fraud took place on XXXX XXXX  end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX  is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries are NOT mine and i never gave permission or authorization to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  and XXXX loans conduct an investigation and due diligence and admit contrary to your fraudulent records that their were no foreclosure sale XX/XX/year> and go to XXXX and then put in my last name XXXX, zip code XXXX and then loan number XXXX and admit on the portal before the CFPB I am the Owner XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with Santander Consumer a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth Santander has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 


Inaccurate Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$3100.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$800.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting or charges and credits. This issue aligns Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX C XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

NCC Business Service is reporting an item that does not belong to me. I mailed a letter or dispute on XXXX XXXX, 2015 to NCC Business Service regarding the gross lack of proof in their response to request for validation as I did not/ do not recognize this alleged account as belonging to me. NCC Business Service did not respond to my letter of dispute within XXXX days, in fact they never responded. In addition NCC Business Service did not report this item as in dispute status with the credit reporting agency.