23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding Debt Validation and Alleged Violations of Consumer Protection Laws Dear Consumer, Financial Protection Bureau, I am writing to formally lodge a complaint against NCB Management Services , Inc. for their handling of an alleged debt, which I believe has resulted in multiple violations of my rights under federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Failure to Validate Debt On XXXX XXXX, I requested validation of the alleged debt in accordance with my rights under 15 U.S.C. 1692g of the FDCPA. This statute mandates that a debt collector, upon receiving a consumers request, must provide sufficient documentation to substantiate the validity of the debt before continuing any collection efforts. Despite my request, NCB Management Services , Inc. has failed to supply any documentation validating the debt.

Improper Reporting to Credit Bureaus Contrary to FDCPA requirements, NCB Management Services , Inc. reported this unverified debt to credit reporting agencies, negatively impacting my credit score. Under 15 U.S.C. 1692e, debt collectors are prohibited from employing deceptive or misleading practices, including the reporting of unsubstantiated debts. Reporting a debt without validation is a clear violation of these provisions. 

Lack of Authorization from the Original Creditor Moreover, it appears that NCB Management Services , Inc. did not provide documentation from the original creditor authorizing the transfer or assignment of the debt to a third party. The FCRA mandates that any information provided to credit bureaus must be accurate and verifiable. NCB Management Services , Inc.s failure to furnish documentation confirming their legal right to collect or report this debt raises concerns regarding their compliance with 15 U.S.C . 1681s-2 ( a ).

Applicable Laws The actions of NCB Management Services , Inc. appear to contravene the following federal statutes : Fair Debt Collection Practices Act ( FDCPA ) : Requires debt collectors to validate debts and prohibits deceptive practices, including reporting unsubstantiated debts to credit bureaus.

Fair Credit Reporting Act ( FCRA ) : Obligates entities furnishing information to credit reporting agencies to ensure its accuracy and mandates proper verification of consumer information.

Request for Bureau Action I respectfully request that the Consumer Financial Protection Bureau initiate an investigation into the conduct of NCB Management Services , Inc. to determine whether their practices are in compliance with federal law. Additionally, I request assistance in ensuring the removal of any negative credit reporting associated with this unvalidated debt.

I believe the actions described above warrant regulatory scrutiny to prevent further harm to consumers. Please inform me of any further documentation or evidence needed to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the status of your investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

A child support account that is delinquent is on my Experian consumer report. I wrote them a dispute letter and sent it to Experian, XXXX, and XXXX XXXX XXXX mail XXXX, and XXXX XXXX did the right thing and took the false not accurate information off my credit report within 30 days. Experian never even answer my notify letter. To Update information and make sure the accounts I asked to be accurate to be accurate, which is not accurate I never got a response. I called them also and got the run around. Experian is really violating my consumer rights. permissible purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows High Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account.

Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter.
I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Mortgage

On XXXX/XXXX/XXXX my lender pulled my report and OCWEN was reporting a past mortgage almost correctly under my bankruptcy but still reporting a balance. I just had my lender pull a new report on XXXX/XXXX/XXXX and now they are completely violating the FCRA laws and completely ruining my ability to move forward with any financing. It now shows ( XXXX ) 90 day lates, the notes changed from CH XXXX BK to Foreclosure proceedings started XX/XX/XXXX, show a balance and a large past due amount. They need to report this correctly ASAP and confirm it is done in writing. I have included an attachment showing their malicious intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 TransUnion XXXX Date Last Active : XXXX XXXX
Product: Credit card

Navy Federal has charged me several times for OOPS. Sometimes even charging me twice for a purchase. The reasoning for signing up with OOPS was to protect me from overdraft charges but clearly I was still being charged more than if not the same amount if I didn't have the protection. I have attached charges that were added to my account. This is unfair and defeats the purpose of the protection.
Product: Checking or savings account

A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed by another party, XXXX XXXX. XXXX other people were affected by the same fraud but all of them had their funds returned to them within XXXX weeks by their banks according to information I have. It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank, XXXX XXXX. on XX/XX/XXXX. 
A police report dated XX/XX/XXXX was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. 
I have contacted the XXXX Bank fraud department listed on this letter at XXXX at least XXXX times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' XXXX XXXX says they are investigating but in XX/XX/XXXX, it has now been XXXX  months and XXXX XXXX needs to authorize return of these funds as they cashed a check that was not properly endorsed. 
XXXX XXXX has provided no timeline or plan for resolution to XXXX Bank. 
I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from XXXX XXXX. My bank says they are unable to disclose the XXXX XXXX internal tracking number but they can reference it by contacting XXXX at the phone or email information as above. If this were a more substantial amount, say for a rent payment, a client could be in serious trouble.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there is an item on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and Transunion. I have sent SEVERAL account verification requests and this acct with XXXX XXXX  XXXX has not been verified by Transunion XXXX XXXX. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

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

On XXXX on review of my credit report I discovered inaccurate report of my address I also observed hard inquiries on my report for which l did not consent. These are the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I live in North Carolina and I am havening a dispute with CapitalOne Bank which is located in XXXX Virginia. Prior to my wife passing she apples to change her account to a Trust. For some reason the transformation never took place. The only explanation that I have been given is that the submitted paperwork was incomplete. I have the original copy of the paperwork and offered to resubmit it. I was told that the policy of the bank was not change the status of the account after the owners death. That policy was appealed to the office of the President without much success. They now wish me to go through probate r to settle the account. This is going to involve delay and expense which I think through improper conduct on their part. What are my options to force them to reconsider?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2015 This insurance policy was open fraudualtly with XXXX. I never owe a XXXX and a XXXX or the other individual on the policy. I have been goin back and forth for the past 6 month. they will not give me any information because I can not verified the account reason I don't no the address on the policy.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I transferred {$1500.00} to XXXX XXXX 's Wells Fargo bank account which he said he never received. A letter from my bank manager sent a letter to Wells Fargo, but Wells Fargo refused to confirm if the money was received. 

All attempts to contact XXXX XXXX proved futile.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

We rented a XXXX  in XXXX via XXXX this past XXXX. The XXXX  advertised it to have a swimming pool and a brick and mortar built in grill, with a long cutting counter. We invited six XXXX  friends to come and have BBQs with us. When we arrived to the property, the unit had no swimming pool or grill. The unit was also an apartment, and not a villa, as advertised. The nice built in grill had been removed, and there was never a pool. Bathrooms were missing toilet paper, lots of burned light bulbs and dirty lamp covers. Quite a bit of broken tile floors which were hazardous to walk. Mold in bathroom ceilings, and the likes. When we questioned the owner on being no pool, he said to use the hot-tub for swimming!, and dropped a cheap metal grill in a box, expecting us to assemble it during our vacation. I tried to resolve with XXXX and they dragged me for 20 days via messages, but never called me back, as I requested multiple times. Eventually, XXXX sent me a message saying they closed the case, and they shut off the communication link to write. On or about XX/XX/XXXX, I disputed two of the three {$850.00} charges made on to my XXXX Mastercard on XX/XX/XXXX. Days later I received a letter confirming the disputes under case numbers XXXX and XXXX XXXX, explains that it would take unto 45 days to hear back from them. To play safe, last Friday XX/XX/XXXX, I called to check the status of the disputes. They left me on hold for over 45 minutes and I had to eventually give up the line. I called them today, XX/XX/XXXX, and the employee that answered told me the disputes were closed last week because they needed more info on the cases. When I asked her if they sent me a request for more documentation, she said no. I then asked if they heard back from the merchant, and she confirmed the merchant did not respond. When I questioned how would they close a case without fully investigating it, she did not know how to respond. I followed up with another call, after holding 25 minutes for it, and same answer from another lady. All calls are routed to XXXX and some of the communications are of very poor quality with static noise. I do not understand how they can just close a case and not follow FCRA guidelines giving me the chance to provide any necessary documents, or respond to questions, or not even wait for a merchants response. 

I should note that when I called them while we were in XXXX, at least 4 different days their autoresponder said they were having system issues and could not provide any answers related to the accounts. Lately, when you call XXXX XXXX credit cards they take well over 20/30 minutes to answer calls. These are signs that they may have been cyber hacked. I work in the mortgage lending environment and know from the courses we take at work, that these are signs of a system having been cyber attacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/22 I mailed a letter to Transunion disputing several accts that had erroneous information on them, which are hurting my credit score & are subsequently in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22 & responded that they would not conduct an investigation because they claimed I had a " third party '' acting on my behalf WHICH IS A LIE. Also it is not against the law. On XX/XX/22 I mailed my response that I did not have a third party acting on my behalf & that I wanted a full investigation into the inaccurate accts. They NEVER RESPONDED which is against the Law ( FCRA ). Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Product: Credit card or prepaid card

Received a debit card in the mail with my name form Suncoast Credit Union I never contacted or opened an account XX/XX/22. I also received an email from the bank saying a new account was made in my name. I called the Suncoast credit union to inform them that was not me and they stated they would have to send me a digital identity thief package for me to fill out in order to close account. I did not receive that email package.
Product: Credit reporting

XXXX reports my mortgage was in collection and charged off which is not correct. XXXX has not investigated this matter properly. XXXX can not show me or XXXX any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Transunion shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Transunion with loan details showing I was not in collection and there was no negativity on my account. Transunion could also review past credit files to see XXXX never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.
Product: Debt collection

On XX/XX/2021, XXXX XXXX from Macy 's Executive office asked that I pay {$170.00} that I do not owe from the Department Stores National Bank. 
I replied and showed proof that all charges on the XXXX XXXX card administered by Macy 's have been fully paid. 
I did not hear back from their office but instead my alleged debt was charged off according to a credit report and eventually sent to a collection agency, XXXX XXXX XXXX. 
I truly find malice in the steps that have been taken to collect {$25.00} for an XXXX subscription that I was not aware of but have been credited for by XXXX.