23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint XXXX XXXX. Misleading Debt Validation Notice : On XX/XX/XXXX, I received a debt validation notice from National Recovery Agency regarding an alleged debt from XXXX XXXX XXXX XXXX  with account number XXXX. 
The notice contained inaccurate and misleading information, including : Inconsistent Dates : The notice states the account was purchased by XXXX XXXX XXXX but provides a date of first delinquency of XX/XX/XXXX. This timeline is confusing and suggests the debt may be invalid or beyond the statute of limitations. 
Lack of Clarity : The notice does not clearly explain the relationship between National Recovery Agency and XXXX XXXX XXXX, creating confusion about who owns the debt and who I should contact. 
XXXX. Refusal to Communicate and Unreasonable Demands : I contacted National Recovery Agency by phone to inquire about the debt and the discrepancies in the notice. 
The representative refused to discuss the debt with me unless I provided my full address, date of birth, and full name, even though I was willing to confirm basic identifying information. 
When I refused to provide this excessive personal information, the representative abruptly terminated the call. 
XXXX. Potential FDCPA Violations : I believe National Recovery Agency 's actions violate the Fair Debt Collection Practices Act ( FDCPA ) by : Misrepresenting information : They may have misrepresented the requirements for debt validation by insisting on excessive personal information before discussing the debt. 
Refusing to communicate : They refused to communicate with me about the debt simply because I wouldn't provide unnecessary personal details. 
Using deceptive and unfair practices : Their actions appear designed to intimidate and pressure me into providing information I am not obligated to share. 
Desired Resolution I request that the CFPB investigate National Recovery Agency 's practices and take appropriate action to ensure they comply with the FDCPA. 
I also request that National Recovery Agency provide me with clear and accurate information about the alleged debt, including validation of the debt as required by law. 
Supporting Documentation I have attached a copy of the debt validation notice and my notes from the phone call with National Recovery Agency. 
Additional Information I have an active complaint with the CFPB against XXXX XXXX XXXX related to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. XXXX XXXX has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE XXXX  principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX  XXXX bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX thats attached to the VIN # and they have not made XXXX single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX nothing, they owe me and I am going to file the taxes on this XXXX I will be puttingin a XXXX report for a full forensic audit on this account.
Product: Credit reporting or other personal consumer reports

On XXXX at XXXX XXXX. Equifax ( Manager at Equifax ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at Equifax stated to me directly that Equifax internal protocol is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied. 

Equifax, is ignoring a victim of Identity Theft along with the Identity Theft Police Report that has the person name that committed the Identity Theft against me. Equifax refuses to delete, remove, and block a Identity Theft account of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to violate the Fair Credit Reporting Act ( FCRA ) 15USC 1681C-1 ( FCRA Section 605 ( A ) ), 15USC 1681C-2 ( FCRA ) Section 605B, FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1, 15USC Section 1681, 15USC Section 604A ( 2 ).

Equifax is communicating as if they are bigger than the Fair Credit Reporting Act ( FCRA ) and have the right to ignore the laws that govern them.
Product: Debt collection

Son - I received a subpoena in the mail stating that I owed {$470.00} to XXXX XXXX XXXX and they were going to take me to court if I did not pay them {$270.00}. I called them and told them that I did not borrow the money, they told me that I still owed them the money and that I would have hire a lawyer to prove that the account was n't mine and that the attorney would cost more than the money I owed. I tried to borrow the money from my mom and she said that she would check into this, that I should not pay for something that I did not do. 

Mom - I checked into the phone number and realized that it was a scam wherein the company was trying to exhort money from my son by threatening him. I called the company on the letterhead and told them that I knew this was a scam and not to expect money from him, they claimed that my son told them that he borrowed the money and agreed to pay it back. They also claimed that they did not threaten him, if a law suit is not a threat, I do n't know what one would be. I also called XXXX XXXX XXXX and they have no record of him ever borrowing money from them. I do not know how they got my sons information but as they has his name, address and last XXXX of his social security number.
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. 

XXXX XXXX  XXXX 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 XXXXXXXX has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.

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 an account without my written instructions.

15 USC 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 USC 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, credit repair services, or other personal consumer reports

This credit reporting agency shared my personal information without my written consent and did not inform me that they were selling my personal information to other companies. That is Identity. This reporting agency does not abide by FCRA laws.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal that you are reporting inaccurate and incomplete credit information on my TransUnion Credit report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following be validated or DELETED immediately : XXXX. XXXX XXXX XXXX Under the law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

It was not stated which states this was not allowed in and what states capped the finance rate. 700 % is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Account charged off. {$13000.00} written off. {$7500.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Debt collection

I'm working with XXXX XXXX  they been tying to get in contact you. I've sent multiple letters on my behalf and have not been contacted by phone. The letters usually say return to sender and come back to me. These collections were already removed from all my credit reports all 3 credit buerous and you took over the collections. I do not owe that money I don't know why it's on my credit. Please remove them I've been trying to get in touch with u. Please reach out to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  on Transunion and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX
Product: Mortgage

The company took over {$16000.00} in authorized ach payments and blamed the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof XXXX of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in  detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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

I submitted my police report to TransUnion detailing a fraudulent account from XXXX. The account number and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. TransUnion verified my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.
Product: Checking or savings account

I, declare under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief. 
On XXXX XXXX XXXX as the original creditor and a private investor, I extended credit to Navy Federal Credit Union. Based on the information provided in their credit application. It was my understanding and expectation that any decision regarding this credit offer would rely solely on the application itself, as required by the Fair Credit Reporting Act ( FCRA ) and similar consumer protections. The goal was to ensure a fair and straightforward assessment, free from any bias or extraneous information. 
On XX/XX/year> I received a letter from you denying the credit application, citing information from a consumer credit report. This was unexpected as it seemed to contradict our agreement that the application itself would be the only source of consideration. This decision not only conflicted with the initial understanding but also seemed to ignore important federal consumer rights. 

LEGAL GROUNDS FOR MY CLAIM 1. Fair Credit Reporting Act - 15 U.S.C. 1681a ( ) ( 1 ) and ( I ) ( 2 ) Under the FCRA, credit worthiness should be determined by the information provided in a consumer 's credit application when that is the agreed basis. By denying credit based on additional information from a credit report, your institution appears to have bypassed these rules, using information beyond what was agreed upon in the credit application. 

Willful and Negligent Noncompliance - 15 U.S.C. 1681n and 1681o Your reliance on information outside of the application, rather than adhering to the FCRA 's standards, constitutes both willful and negligent disregard for the consumer 's rights. This noncompliance imposes a responsibility to address the harm caused by this institute.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, XXXX closed my online account that I use to send money without notice. When I contacted customer service to find out why, I was told it was for security reasons but they would not provide me with any more information. This was very frustrating because I have been using this online service for about 4 years. It is very convenient for me because my work hours do not permit me to visit a location. Closing my account without providing me with some form of explanation does not really make sense to me. I feel like I have been discriminated against.
Product: Debt collection

I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with Internal Check Systems ( ICS ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from XXXX XXXX XXXX for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.
Product: Credit card or prepaid card

This NORDSTM/TD XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

NORDSTM/TD XXXX
Product: Checking or savings account

On XX/XX/XXXX, I alerted USAA of 2 fraudulent charges on my debit card of {$710.00} each ( a total of {$1400.00} ). The rep I spoke with that day assured me repeatedly on a recorded line that USAA would give me a provisional credit in that amount by XX/XX/XXXX. That didnt happen, and I was later told by other reps that that isnt their policy. But the expectation was set. First giant problem. On XX/XX/XXXX I called because a ) I hadnt received the provisional credit, and b ) as a result of the huge fraudulent pending transaction on my account, several payments that had been initiated before the fraudulent activity occurred bounced which resulted in USAA charging me {$140.00} in fees that several reps assured me would be returned to me when the fraud investigation was completed. Regardless, USAA is obligated to return those fees as part of their zero liability fraud policy for debit cards. On XX/XX/XXXX, I finally received an email that the investigation was complete ( because the pending fraudulent charges eventually fell off my account ), so I called for the umpteenth time to find out when I was getting my {$140.00} back. Several more hours were wasted, and I couldnt get a straight answer from anyone in any department. Finally I was told on XX/XX/XXXX that the request was escalated and someone would call me by XX/XX/XXXX ( TODAY ) and that the {$140.00} would be returned on this date as well. It is now XX/XX/XXXX, and I have heard from NO ONE and dont have my {$140.00} back that USAA wrongfully charged me.