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

I am filing a formal complaint regarding multiple inaccuracies in my credit report due to improper debt validation and reporting practices by several collection agencies and creditors. These entities have failed to provide proper verification of debts and continue to inaccurately report information to the credit bureaus. The specific concerns are as follows : XXXX. XXXX XXXX XXXX There are 4 separate entries on my credit report related to this company. Despite my dispute, they have been unable to validate the chain of custody or prove the legitimacy of these accounts. 
XXXX. XXXX Card I have disputed an entry from XXXX Card, but they have failed to provide sufficient proof of the debts validity. 
XXXX. XXXX  XXXX XXXX There are 5 line items being reported, yet the company can not verify the value of the debt. Additionally, certain accounts have been written off, and 1099 forms have been filed, yet they remain on my credit report. 
XXXX XXXX XXXX XXXX This company has not provided adequate proof of the debts legitimacy or the chain of custody, yet they continue to report the accounts to the credit bureaus. 
XXXX. XXXX Similarly, XXXX has not demonstrated the viability of the debt or established a clear chain of custody, but they continue to report this information to the credit bureaus. 

These reporting issues are negatively impacting my credit profile and financial standing. I request the CFPBs assistance in ensuring these entities comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by either properly validating the debts or removing them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are Santander Consumer USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX  on XX/XX/XXXX I have received my own financing from my bank XXXX  where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Checking or savings account

I requested a closure of my XXXX XXXX Savings Account on XX/XX/XXXX with instructions to mail the balance by check to the address on file. The online portal shows that the account was closed and a check was issued on XX/XX/XXXX. I had not received this check as of XX/XX/XXXX, so I called the customer service line for an update. They advised that they would re-issue and mail a new check. I had not received this check either as of XX/XX/XXXX, so I called customer service again. I was initially told that my account was closed so they were unable to help. I stated that this was unacceptable so the customer service agent made further inquiries. I was then told that the issue was escalated to a different department and I would need to wait 7-10 business days for an update. This is also unacceptable as I need the funds to complete a rollover within 60 days.
Product: Vehicle loan or lease

XXXX XXXX has violated my consumer rights, my right to privacy, my constitutional protected right of due process, fair debt collection act, and XXXX automatic stay. This company took out payment from my bank account and has not refunded a payment amount of {$740.00} on XX/XX/XXXX. With full knowledge that I had filed bankruptcy and was under protection of an atomic stay. I will attach bank record. The company sent a tow company 3 times to report my XXXX jeep XXXX that they state was delinquent in payment. Yet they are reporting to the credit report agency that loan has been paid 100 % in full because debt was fully discharged. I have attached screenshot of credit report. Also in the car contract it states in arbitration agreement that before any repossession. I was not given opportunity to cure any alleged debt no was i informed that my application/loan would be converted into a security interest and traded. These actions have caused me to have a XXXX XXXX XXXXXXXX and now I have no use of my right side. And have speech XXXX. I am still in a XXXX automatic state do to having to refile XXXX
Product: Debt collection

I tried to contact the lawyer and the old property owners of the apartment complex. I moved out and the old maintenance guy that was working there was fired he went into my old apartment and stated that he took XXXX bags of trash out the apartment and stated that the walls had holes in them. I was the only person that occupied the apartment. I asked ( the collection agency how they can charge me for something they don't have pictures of, he then argued with me on the phone stating that I put holes in my walls and then hung up the phone ) them how can they do.. I then called the attorney that was in court for rent payment only, but get charged more when it goes to a collection agency.. The apartment complex hired an maintenance that was working with the company before he quit because they ( management ) was doing bogus things on the property and everyone was fired from the company and they sold it
Product: Mortgage

Violation of California civil code section 2923.7 Response dated XX/XX/XXXX cover up by stating phone number was removed on XX/XX/XXXX. 

I filed cease and desist on XX/XX/XXXX and I have received calls so this is XXXX to state SLS will comply with cease and desist after close to 2 years later. Last call I received in XX/XX/XXXX. 

ON XX/XX/XXXX I CALLED AND SPOKE TO XXXX # XXXX AS PER RESPONSE IF XXXX XXXX IS NOT AVAILABLE ANY ONE COULD ASSIST ME. UNFORTUNATELY THIS NEVER HAPPENED. AFTER EXTENSIVE PHONE CONVERSATION I WAS INFORMED A XXXX XXXX OF CONTACT XXXX SHOULD DEAL WITH THE ISSUES. 
XXXX THAN SEND AN EMAIL TO XXXX AS OF XX/XX/XXXX I RECEIVED NO PHONE CALL. 
SINCE THAN I HAVE CALLED THE PHONE NUMBER LISTED CALLS TRANSFERS TO EXTENSION XXXX AND I HAVE LEFT XXXX MESSAGE NO RETURN PHONE CALL HAVE BEEN MADE. 
Violation of California civil code section 2923.7 by SLS by refusing homeowners to talk to XXXX XXXX  of contact. SLS has established a XXXX XXXX of contact name XXXX Teller ID XXXX on XX/XX/XXXX. I made two attempts to talk to a XXXX XXXX  of contact, both have been denied. I was explained XXXX was not in the office and they had no idea when she would return. I request send message sent for XXXX XXXX of contact to call. This has not been done as well because a XXXX XXXX has not contacted me. After my message was taken, I was informed there no guarantee XXXX XXXX will contact me and when she will contact me. One of the reps gave me Hud phone stating she is supposed to provide under CA which I did not ask for but single of point I asked for. However other reaps I spoke none stated they were required to provide HUD phone number. After discussion I was explained I must remove cease and deist first before single int of contact will call me. This sounds wrong and violation of California civil code section 2923.7 1. XXXX is not available when I call multiple times. 2. I have removed cease and desist before XXXX will call me back. 3. When I call XXXX is no in and I have been informed SLS has no records when XXXX will return and call me back 4. Then cease and desist must be removed before XXXX calls me. I have been denied the right to talk to XXXX XXXX of contact in violation of ABA700 California homeowners bill of right by refused me to talk to XXXX XXXX  of contact. By contradicting I must remove cease and desist before XXXX will call me back. Guaranteed XXXX XXXX of contact : If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application. ( Civil Code section 2923.7 ). 
I called on XX/XX/XXXX and spoke to XXXX I was told XXXX XXXX of contact is not available and there is no records when she will return to work. 
I have not received corrected loan modification documents, so I made a new request for loan modification on XX/XX/XXXX. I am still waiting for the decision as of XX/XX/XXXX.
Product: Debt collection

I reviewed my credit report & noticed that a company by the name of National Credit Systems based out of Georgia was reporting that I owed {$2800.00} for a collection that I didn't recognize. Nor was I ever contacted by this company regarding this account or debt. I tried disputing the debt directly with the credit bureaus, they said that it was verified by National Credit Systems. I sent national credit systems a debt validation letter requesting more information. I sent the debt validation letter on XXXX XXXX. It was received by National Credit Systems via certified mail on XXXX XXXX. I have yest to receive any correspondence in regard to this debt or this collection. The credit bureaus continue reporting the debt/ collection when I have yet to receive any verification from National Credit Systems pertaining to this debt/ this amount. They have yet to inform me via mail as to why they claim I owe or am responsible for this amount. Please help me as I have tried all that I can to obtain information on this account that National Credit Systems is stating that I owe. I have tried disputing with all three credit reporting agencies. XXXX XXXX XXXX XXXX. All three state the account has been verified. National Credit Systems hasn't even contacted me at any point in time regarding this debt/ collection.
Product: Prepaid card

I purchased two {$25.00} American Express gift cards and the expiration date on the cards is XX/XX/XXXX. I don't remember when I made the purchase, but I was not in a rush to use them because they expired in XXXX. However I found the remaining fund is {$0.00} for both of them today and I was told the money was unclaimed property and taken away when I called American Express. I don't know why my money is taken away. They are gift cards and not expired. I paid for them and saved them for a later use, why someone regards it as unclaimed property? They are my property because I paid for them. American Express gift card is such a SCAM!!!
Product: Bank account or service

I had previously opened a simple checking account at Wells Fargo. Soon after, during a visit to the branch I was approached with the recommendation of opening XXXX separate accounts! They convinced me to open a separate account for each and every rental house I own. They spoke of tax benefits and gold memberships and things that did n't make much sense but they sold me, after I made sure there were no fees attached to these accounts. I specifically never open accounts that will charge me fees. Never. And I would never ever open XXXX accounts with fees!! I was assured by XXXX XXXX that no fees would be charged to these XXXX checking accounts. I found XXXX checking accounts to be cumbersome, confusing and impossible to manage, and worse, after three months had passed, I began to notice service fees being taken out of XXXX of those accounts!! I was furious! I went back to XXXX XXXX who convinced me to open all these accounts, and demanded to know why they were charging fees when she specifically promised me there would be no fees. She had the audacity to tell me it 's just the first three months in which no fees are charged, but after three months the fees start. No way had she ever told me this. This woman straight up lied to me. She specifically told me no fees would be charged. NO way would I have opened XXXX extra checking accounts that I did not need, and pay XXXX times the fees. I was lied to and cheated, I was used to boost the bank 's new account ratings and stock prices. I was a pawn, not a customer. I was used and cheated by Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote a dispute letter to Transunion, stating that they were reporting a collection as an open account ( {$240.00} ), which under the FCRA, is not compliant and this is inaccurate reporting and needs to be removed immediately.They reply to me.. '' is that it is accurate '', which it is not.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX {$370.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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: Vehicle loan or lease

I financed a vehicle with Hyundai Motor Finance on XXXX XXXX and XXXX XXXX XXXX 

On XX/XX/2024. I owed {$8400.00}. I paid {$9000.00}. I wanted to cover all interest that accrued daily. 

I have requested a refund of the amount overpaid for over a month and my title. 
Hyundai Motor Finance refuses to issue my refund or my title. This is illegal. 
Please advise. I am ready to file suit against this company
Product: Credit reporting or other personal consumer reports

I was paying XXXX XXXX dollars a month payments asked that it be reflected on my credit report balance was told no did not have to do that. The XXXX stopped my payments. I would call XXXX XXXX  and get told I had to speak to a special unit in the company but there was never an answer when transferred so I told complaints with you. How can a debt be a good debt if the Company refuses to let me make payments? How do they get to mess up my credit for refusing to allow me to pay on a debt? I filed a consumer law suit against XXXX or XXXX XXXX  but got told they dont do arbitration? Please explain how this can happen and why. Why has the Federal Consumer Protection Agency allowed a Collection agency to abuse their power refuse payments, stop payments and say that company has a right to report it to a credit reporting Agency
Product: Debt collection

NCB Management Services is attempting to collect an alleged debt from me on behalf of XXXX. NCB is not the original creditor and in fact a 3rd party debt collector. In the letter attached to this complaint, XXXX clearly states that the alleged debt was charged off. Pursuant to Federal law, a charge off means that this debt is written off by the creditor. In the same letter, XXXX also clearly states that after they wrote off the debt, they then sold it to NCB. This is misleading and illegal. Pursuant to Federal law, when a debt is charged off, the company is to provide the consumer with a 1099 so the consumer can report the amount as income on their income tax. Pursuant to Federal law, it is illegal to furnish income on a consumer 's credit report. Since XXXX had clearly admitted to charging off the debt, the account should have then been deleted from all of my consumer reports at the time of charge off, not sold to be collected upon by a company who has no 1st hand knowledge of the alleged debt. Pursuant to Federal law the consumer has to give permissible purpose and written instructions for information to be furnished on their consumer reports. I did not give written instructions to XXXX  nor NCB to furnish this incorrect and illegal information to my consumer reports. I also do not have a contract with NCB Management Services. NCB is attempting to collect a debt that is legally not valid. NCB still continues to tarnish my reputation and credit with their false allegations and lies. This is still causing me undue hardship and discrimination against my credit die to their negligence and illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency is allowing improper reporting on my credit report without performing required due diligence to ensure fair and accurate reporting. Creditor is reporting payments been made in XXXX as a way to re-age the account and to update the first date of delinquency which is illegal. The first date of delinquency should be in XXXX. While reviewing my report there are a series of 30 day late payments then paid random payments and random 60 day late payments which is completely inaccurate.This has prolonged the damage of my credit and has aided in denials and job opportunities. I would like this account removed immediately, as updating it now does nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All debit is to be discharged banking act 1933 and improper reporting and sharing of my credit report I am the beneficiary of my trust all debit should be paid off there should be no negative on my account and sharing my info with out my permission is a fraudulent
Product: Credit reporting or other personal consumer reports

I sent credit dispute letters to XXXX, XXXX, and TransUnion on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received documentation providing the results of these investigations into the inaccurate items I disputed.
Product: Debt collection

Company is trying to collect a debt from me that does not belong to me. I have never lived, done business or work with the company they are trying to collect for. Any apartments that the alleged I applied to and were denied XXXX law requires all fees to be refunded. Also any and all aledged debt is included with my bankruptcy. I have contacted my attorney to file lawsuit and to have court apply sanctions against geniuses. I will also have XXXX XXXX XXXX XXXX action lawsuit as well for all the laws geniuses is violating.
Product: Checking or savings account

On XX/XX/2024 I reported a fraudulent charge on my checking account. By XX/XX/2024 CitiBank had blocked my access to both my checking and savings accounts. I was unable to receive my salary or make any transactions. I was told I will need to visit a branch and I explained to several people I live in Georgia and bank online. I have had the same accounts for over XXXX  years. After being transferred several times to several departments I was informed on Monday XX/XX/2024 that my accounts are marked " deceased '' and I would need to get a letter from my local social security office to prove I am alive. Fast forward to today, XX/XX/2024. I have the letter from social security and have made several attempts to fax to their estates department and probate department. Fax on their end is being bounced back as " unanswered ''. I am again getting transferred and getting nowhere. I want my money out of that bank immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX A XX/XX/XXXX Fraudulent Collections/ Closed accounts 1. XXXX XXXX XX/XX/XXXX {$970.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

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

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payment from this account : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I never owned this debt with XXXX  but even after requesting this third party and XXXX XXXX, they continuously harassed and put me in collections. I always paid my dues on date and ended my contract in good terms.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.