23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against National Credit Systems for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by National Credit Systems, and I am revoking all rights for them to communicate with me via email, text, and phone calls.

Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, National Credit Systems has inaccurately reported information about my credit history, leading to erroneous information on my credit report.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with National Credit Systems, but they have failed to investigate or correct the errors as required by law.

Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. National Credit Systems has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies.

Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. National Credit Systems ' failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision.

In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by National Credit Systems. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ).

As part of this dispute, I request the following : Debt Validation : I request that National Credit Systems provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt.

Purchase Agreement : I request that National Credit Systems furnish a copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe.

Proof of Licensing and Bonding : I request that National Credit Systems provide proof that they are licensed and bonded as required by law to engage in debt collection activities.

I expect National Credit Systems to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. 

Sincerely, XXXX XXXX
Product: Mortgage

My home is in NJ. Im in a union and during COVID last year we were shut down for a period of time. I did not want to have a negative relationship with my lender so I avoided forebearance. I struggled to make the payments but kept them to a few days late. On one occasion it did go 60 days delinquent. As soon as possible, by XX/XX/2020 I brought the loan current with neither Quickens nor governmental assistance. 

I was under the assumption that during COVID the lenders were giving some flexibility and were not reporting borrows delinquent. Quicken Home loans has destroyed my credit with 6 months of late payments. Why? What did they accomplish other than to prevent me from acquiring a lower mortgage rate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX  account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, XXXXutstanding Balance and the date account was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital one Card ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.
Product: Mortgage

Hi, on XX/XX/2022 Guaranteed Rate ( via XXXX XXXX ) pulled my credit report without my authorization. The broker responsible is XXXX XXXX. Can you please help?
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. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

All of the reinvestigation from XXXX stated that accounts came back verified but never proved the verification. I would like all off my accounts verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope this letter finds you well. I am writing to file a formal complaint regarding a significant issue with the reporting of my credit information on my Experian credit report. I have encountered numerous challenges in attempting to rectify this matter with the involved parties, and I am seeking your assistance in resolving it. 

The issue at hand involves multiple inaccuracies related to my XXXX loans on my Experian credit report. Specifically, I have observed the following discrepancies : Incorrect Number of Charged-Off Loans : I am aware of six XXXX  loans that were charged off. However, my Experian credit report displays a total of seven charged-off XXXX loans, which is an inaccurate representation of my credit history. 

Multiple Collections Companies Reporting the Same Debt : After the charge-off, my XXXX  loans were reportedly sold or transferred to three different collections agencies, namely XXXX XXXX, XXXX, and XXXX XXXX. Despite this, XXXX continues to " own '' these charged-off accounts on my credit report. Consequently, the collections agencies have been unable to update the credit bureau themselves, as they " do not own the debt, but only report to XXXX. '' Paid-off Loans Not Updated : Four out of the six XXXX  loans were paid in full or settled between XX/XX/XXXX and XX/XX/2023. However, my Experian credit report still reflects these loans as " charged off and unpaid, '' which is misleading and inaccurately represents my credit standing. 

Unresponsive and Uncooperative XXXX Customer Service : I have attempted to address these issues by reaching out to Affirm through email and phone calls. Unfortunately, I was met with unhelpful responses, stating that the information on my credit report is " accurate, '' despite the evident inaccuracies. 

Dispute with Experian Unsuccessful : In my efforts to resolve this matter, I disputed the accuracy of the negative accounts with Experian. Regrettably, they asserted that the information provided by XXXX was accurate and thus could not be removed. 

I firmly believe that these inaccuracies have significantly impacted my creditworthiness and financial standing. As a responsible consumer, I have taken appropriate measures to address my financial obligations, yet the misreporting persists, hindering my ability to access credit and financial opportunities. 

I am hopeful that your intervention will result in a prompt resolution of this matter and restore the accuracy of my credit history. I am prepared to provide any additional documentation or information necessary to facilitate the investigation. 

Thank you for your attention to this complaint. I eagerly await your response and cooperation in resolving this pressing issue.
Product: Credit reporting or other personal consumer reports

Hi, I've had a credit score since XXXX, ever since I opened a credit card with XXXXXXXX XXXX. However, I am unable to view my credit score or report on experian or XXXX. I can collect the information from XXXX, so I know I have a credit score and history. I have been on the call with XXXX and Experian for hours and they have not given me a solution. I am not sure how to proceed.
Product: Debt collection

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service. 

XXXXXXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Product: Vehicle loan or lease

I was preapproved for a auto loan by Navy Federal Credit Union. While car shopping i stopped at a used car dealer called XXXX XXXX XXXX. They advised me they had the truck I wanted coming in and when they got it in, I would receive a phone call. They held on to my preapproval letter and my check. I never received a call and left for training. I later found out that my preapproval letter was cashed for the total loan amount of {$21000.00}. I was contacted by Navy Federal who was inquiring about the Title for the vehicle that I never received. Navy Federal Rep advised me that they did not know why the check was cashed because that dealership was blacklisted by Navy Federal. I went to the dealership to get some answers and found out that the dealership was closed down. I was told by Navy Federal Reps that they could do nothing. I reported the Fraud to XXXX Police who investigated the incident.
Product: Credit card

In XX/XX/XXXX, Care Credit granted me a credit limit increase to $ XXXX. I have never been late on a single payment in the 3 years that I've had the account and have paid all interest due. 
As of XX/XX/XXXX my balance was {$1600.00} & upon going in to review my account I noticed that my credit limit had been decreased to {$1600.00}. This is a difference of {$4300.00} and only {$50.00} above my balance. I immediately called the credit card company. 
They informed me that they had done a recent review of my credit and found that my credit score had dropped therefore lowered my limit. I did not give permission for them to look into my credit. They indicated that I gave permission upon establishing the account at which I requested the documentation that indicated such. They said they did not have it.

I further requested to know why they would lower it to the point of making it look as though I've maxed out my credit with them and that this was going to negatively impact my credit. They do not seem to care at all which is ridiculous that they call themselves CareCredit then do something like this. 
I have XXXX other Synchrony Bank credit card accounts ( the same company that CareCredit uses ) and have not seen this unfair practice with those. This is very disturbing.
Product: Credit reporting or other personal consumer reports

FCRA  611a5A If disputed info cannot be verified, it must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXbureaus must ensure accurate reporting.
Product: Debt collection

On XXXX separate medical debts, Syndicated Office Systems, LLC, which does business as Central Financial Control ( CFC ), reported to credit without providing me the opportunity to dispute the debt or failed to validate the debt before reporting to credit. There was no communication at all from CFC on a number of accounts. I was not aware of who CFC was until I pulled my credit report and found the impairments on my report. 

When my attorney attempted to contact CFC to discuss the impairments, they refused to speak with him, despite having been provided notices of representation. CFC appear to be improperly using HIPAA as a shield to avoid responding to consumer disputes. CFC claim they can not comply with the validation requirements of the FDCPA without a HIPAA release, contrary to the exception language in HIPAA.
Product: Money transfer, virtual currency, or money service

I submitted a request to coinbase on XX/XX/XXXX at XXXX stating that my account may have been compromised because I did not recognize a CC that was associated to my account. Literally 3 minutes later at XXXX on XX/XX/XXXX I emailed and stated that I remembered the account was a disposable credit card that I tried to link to get the funds off of. I did/do not have access to see transaction details for the card because it's just a prepaid cc so I was unable to see deposits to the card to verify it. 

Coinbase then locked my account. I emailed them multiple times trying to get my account unloacked. I have not received any response from them in over two and a half weeks. I emailed them on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. I have received no response. I have contacted they're telephone support number and they continue to tell me that there is nothing they can do. They will not provide any means in which to contact the department that is responsible for unlocking my account. 

They are holding my money hostage, I am unable to access my funds and they are doing nothing to help me.
Product: Student loan

Navient has constantly pushed my payment out and charged me an ungodly amount of interest. These loans have even kept me from being able to buy a home!! a home for my XXXX year old daughter, that's right I live with my mom! Thanks Navient!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Number XXXX
Product: Mortgage

In The SPS response on XXXX, they stated : Servicing Agreement In the inquiries, you requested to review the servicing agreement related to your account. Please note that such servicing agreements contain responsibilities for multiple parties unrelated to you as part of a securitization transaction. SPS will not be sending you a copy of the XXXX XXXX, as it is proprietary and intended for internal use only. Origination In the inquiries, you questioned several issues relating to the origination of the loan. While SPS services this account on behalf of the Noteholder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan. Noteholder Information In the inquiries, you requested clarification regarding your XXXX identity. XXXXXXXX XXXX XXXXXXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Trust is the Noteholder of the account, and SPS is the mortgage XXXX. 

How can a Servicing Agreement be proprietary when I am supposed to be XXXX of the parties to this agreement? Similar to signing a contract that you are not allowed to read! 
What is SPS hiding? 
Once again : My request is for the identity of the party who owns and maintains an unpaid loan account receivable, that is due from me to that party. 
SPS claims that the XXXX XXXX XXXX XXXX is the Note Holder I have had XXXX forensic title investigations that claim the my XXXX  was never added or included in this possibly non-existent Trust I once again ask for proof that my Deed of Trust was or is included in this trust.