23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do.

1- I made an offer per XXXX XXXX instructions but he is refusing to take it to his client XXXX XXXX XXXX. 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well.

3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.
Product: Debt collection

This complaint concerns a credit reporting agency LexisNexis case # XXXX I requested my credit file from them over 8 months ago and have not received my credit report from them to this day XXXX LexisNexis sent me a letter stating they could not identify me as being who I am. and asked me to send them my identification and address in which, I did send them my drivers license with the correct info and my correct address. That was 2 months ago and still have not received my consumer credit file from them. I would like the CFPB to do what needs to be done to shut this agency down or take further action against this consumer credit reporting agency for the consumers. Thank you for your help I will wait to hear from your office concerning this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1. Bank of America 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have never lived at this address. I asked the credit reporting agencies to remove, but it is still fraudulently being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Money transfer, virtual currency, or money service

There were charges in my card in regards to the money transfer and from what I was made aware of, they did not charge any fees
Product: Credit reporting, credit repair services, or other personal consumer reports

12 hard inquiries and collections on my XXXX, XXXX, XXXX credit report that i have no knowledge of, and it was done without my permission, knowledge, or consent these inquiries are ( XXXX XXXX XXXX XX/XX/2020 ) ( The XXXX XXXX XXXX XX/XX/2020 ) ( Bay financial XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) XXXX XXXX is under collections through XXXX XXXX  XXXX XXXX XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! Experian is reporting the late payment in XX/XX/2023. XXXX is reporting the late payment in XX/XX/2023, and XXXX is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted BARCLAYS BANK DELAWARE customer service to report that there was a hard inquiry made on my credit report, and that it was not made by me. I advised them that my personal information ( expired driver 's license, social security card, payroll stubs and multiple credit cards ) had been stolen and that the person that stole my information was likely trying to open up fraudulent accounts with their institution. Asked them not to open any accounts under my name, as it is a case of fraud and identity theft. Provided them my name and cell # if they needed to contact me.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XX/XX/year> Attn : Legal Department XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Re : Cease and Desist Demand Dear Sir/Madam, Re : Cease and Desist Demand I am writing to formally demand that Global Lending Services immediately cease and desist all further communication, collection actions, and any other activity regarding the account identified as in connection with my name, [ XXXX XXXX XXXX XXXX 

I dispute the validity of this debt and demand that you immediately stop all attempts to collect on this account. I request that you provide verification of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) within XXXX days. Please be advised that if you do not provide the requested documentation or continue to engage in harassment or collection activities, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

Under the FDCPA XXXX XXXX XXXX, I have the right to request that you cease contacting me. Therefore, please take this letter as my formal request to stop all forms of communication regarding this matter. I expect that you will respect this request and refrain from any further contact with me unless required by law. 

If this matter is not resolved appropriately and you continue with collection efforts, I will explore all legal remedies available to protect my rights. 
I also request that you provide written confirmation within XXXX business days that you have ceased all collection activities and that no further contact will be made. Failure to comply with this demand will result in further legal action. 

Please take notice that this letter constitutes a formal request for you to cease and desist, and your failure to comply may have serious legal consequences. I trust that you will treat this matter with the seriousness it deserves. 

Thank you for your prompt attention to this matter. 

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

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax & XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.
Product: Credit reporting

disputed several accounts in XXXX with Experian and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Product: Mortgage

I was attempting to apply for a " partial release of real property '' with Stonegate Mortgage. I began by contacting them onXX/XX/2016.I was told by XXXX that I needed to do several things such as 1. get a new survey 2. appraisal 3. history of my mortgage payments 4. sales contract 5. tax information. I began to do these things. XXXX/XXXX/16 I talked to XXXX XXXX XXXX at Stonegate and was told I needed Form XXXX. He emailed me a copy of form XXXX that day. I continued to work on the application. On XX/XX/XXXX I talked to XXXX XXXX XXXX. He sent me a copy of the survey in their records of my property. I was also told for the first time that nothing would happen unless I sent a letter to Stonegate requesting the partial release. I sent a letter out that day. I also received an email from XXXX XXXX XXXX with a account of my payments to Stonegate Mortgage. On XXXX/XXXX/16 I had my package prepared except for the new survey which was completed on XXXX/XXXX/16. Now on XXXX/XXXX/16 Stonegate sent me an email that my loan was stating transferred on XXXX/XXXX/16. They could not do the partial release. The email also said I would receive a letter before XXXX/XXXX/16 advising me of my new servicer. I did not receive the letter by XXXX XXXX. I called XX/XX/XXXX and was told it would arrive within the week. I did not receive the letter today XXXX/XXXX/16. I called Stonegate and was told my loan would n't be transferred until XX/XX/XXXX. But they also could n't do the partial release either.I am waiting for a call back from a supervisor. I have this all documented. My loan number is XXXX. My phone number is XXXX. My buyer is getting very anxious as I am. It has been 5 monthe of runaround on this. Please help! Thank-you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint in this matter to Chase Bank Card Services ( Complaint ID # XXXX ). Today I spoke with " Chase Bank Executive Offices '' who referred to me to " Chase Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX, 2020 even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " Chase Card Services  '' was misleading and unclear. My credit is being harmed by this incorrect information. Chase Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} 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 reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : Bank XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

the following accounts at NOT MINE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15USC 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 XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX 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 ', let 's 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. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION , So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We received a notice in the mail stating our property is located in a flood zone and that we are required to purchase flood insurance, and that a flood insurance plan has already been purchased on our behalf by the mortgage company, and we are expected to pay them for it unless we replace it with another policy. According to XXXX, the state of Georgia, and the city in which we reside ( XXXX ) our property does not lie in a flood zone. We have reported this information to the mortgage company, and they have stated that according to their system our property does lie in a flood zone. We have already emailed them proof from the flood zone map on FEMAs website. We do not appreciate their attempt at insurance fraud.