23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Debt collection

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize.I am a victim of Fraud and I am protecting my credit file as much as I can. Please delete the following account XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my accounts XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Refusal to adequately investigate information in my credit report. They are refusing to remove incorrect and invalid information in my credit report by refusing to even investigate the information. Experian Has made it impossible to have errors in my credit report fixed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX forXX/XX/XXXX XX/XX/XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just talked ro lady from XXXX who said i need to get somebody from loan depot to take rhis off credit report and their to busy trying to sell me a loan i have no interest in to get to any one to take care of it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Student Connections has sent me a third email on XX/XX/2020 with incorrect information about XXXX XXXX, despite requesting that they cease communication with me via my request for fair resolution via prior CFPB complaints. Once again, their email appears to list the correspondence address for XXXX XXXX and not XXXX XXXX. My loan is with the Department of Education, is in good standing, and is serviced by XXXX XXXX. I do not do any business with Student Connections to the best of my knowledge and they are not responsible for my loans. I complained about them previously sending incorrect information in CFPB complaints XXXX and XXXX, yet despite me bringing this to their attention via these complaints, no corrective action has been taken. They continue to mislead the individuals they send these emails to.
Product: Debt collection

This debt collector continuously calls monday through sunday from XXXX XXXX XXXX XXXX until XXXX at night. They call at least 3 or 4 times a day and I have paid some amount onto my debt but I can only talk to one representative to pay on it without them giving me hassle and saying I have to pay it in full when I am trying to pay at least some of it. They are very rude too when I answer the call or say I do not have money at this moment but I can pay later. They say they can only take the full amount even though I have an arrangement with a representative. It is quite frustrating and they are constantly harassing me.
Product: Credit reporting or other personal consumer reports

I asked the credit company to remove addresses off my credit report. They did not remove them. I only have one address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I received my county tax bill and faxed it twice and emailed it twice to the company because they never got the ones i sent. Finally they " received '' it XXXX they say even though i sent it before. It shows that i am being overtaxed a substantial amount. The first two reps i spoke with said they would request an escrow analysis and a tax analysis and not to worry i would get the refund and a lower payment. They currently have XXXX in escrow after they paid my county taxes that i have requested be sent to me. I waited two weeks and did not hear anything. I called back and was told it was never requested and they were so sorry etc. I requested a manager at that point. Her name was XXXX. She seemed knowledgeable enough and like she wanted to help. She said she escalated the issue and it would take 7 days to complete at the most but should take 3 because she escalated. She even gave me her direct line. Well i waited 3 days and called XXXX  and left several voicemails to which she never replied or called back nothing. She never answered her phone either. So at that point the next rep i spoke did not have a clue as to what i was asking or talking about so i requested a new manager. I received a manager by the name of XXXX XXXX who SWORE to stick with me and get this fixed and that I would n't have to make my XXXX payment until this was resolved and assured me he put all late fees on hold and i would hear from him by XXXX. Well it is XXXX and i have called every day since XXXX and hes always busy. In fact whenever I ask for any manager they are all to busy to talk to me. Every single rep i speak to gives me a different answer. This last one told me on no i wo n't receive a refund of my escrow until XXXX because in her words these things take time and that I would in fact have to keep making my overstated payment until them. I of course let her know that is not what the managers are telling me and requested to speak to another one. She REFUSED to give me a manager instead told me again they are all just so busy and she can assure me her answer is accurate so at that point i hung up. This company is a joke. I had no choice in who they sold my mortgage too and i ca n't get any assistance. I am being over taxed. I want my overage in escrow refunded to me. I have XXXX kids and could use that money. No one there seems to care or know what the heck is going on. I get different answers every single time i call. To date no one has called me back.
Product: Debt collection

I 'm asking that this please be removed from my credit reports. It 's been paid and is still appearing as a collection.
Product: Credit card

On XX/XX/XXXX, I paid my entire balance in full : {$230.00} as shown on the attached billing statement. 

Due date for payment was XX/XX/11. I have also included a copy from my bank showing the payment processed on XXXX, which is also reflected in comenities account as well. 

I was verifying the no balance due on XX/XX/11, and there was a {$3.00} " interest '' charge, despite the fact that I had paid the balance in full. 

I contacted XXXX same date ( XX/XX/11 ) advising account was paid in full the prior month and no interest should be oustanding. They responded that interest was due. I provided the copy of my payment, and they keep saying interest is due despite my question to them asking how they can charge interest on a XXXX balance account. Two separate message strings are attached.
Product: Mortgage

1. This XXXX is a XXXX XXXX VA XXXX Veteran entitled to the lowest Interest Rate VA Home Loan by Federal Law because of my COE but Wells Fargo who has VA Home Program refuses to process a VA Home Loan for this XXXX. 

2. Wells Fargo as a Financial Institution is abusing this XXXX and Family with XXXX Discrimination and Extortion Practices when collecting their mortgage payments from Families like ours which violate Federal Law. On XXXX XXXX, 2017 the Supreme Court ruled against Wells Fargo for these practices and Wells Fargo has agreed to pay Settlements to families like ours who have been victimized for their illegal practices and that have violated Federal Law. This XXXX is in desperate need of a Lawyer of Law Firm to help us secure our portion of these settlements. 

3. This XXXX is presently fighting Wells Fargo in Chapter XXXX U. S. Bankruptcy Court in order to protect our home from an illegal and Wrongful Disclosure Procedure and not lose our home. This XXXX XXXX VA XXXX XXXX Veteran is in desperate need of Legal Counsel who is willing to fight with us and is familiar with The Federal Law in Title 38 USC Sec. 5301 ( a ) ( 1 ) which states the following : " he shall be exempt from the claim of creditors, and shall not be liable to attachment, levy, or seizure by or under any legal or equitable process. '' The Legal Counsel or Law Firm must also be familiar with Title 38 U.S.C. 5305. states Because XXXX benefits, unlike retirement pay, are exempt from taxation, 38 U.S.C. 5301 ( a ), such waivers are common. See XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ''. 

To Learn more please visit : http : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} XXXX
Product: Credit reporting, credit repair services, 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 Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Money transfer, virtual currency, or money service

Wanted to link my debit card to XXXX and pnc won't let it.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Someone by the name of XXXX XXXX forged his name on my check ( whited out and wrote over it ) that I had mailed out to a modeling agency. This {$3000.00} check was somehow successfully deposited by XXXX XXXX. I went through years of claim XXXX with Chase bank- the customer service people giving me wrong information, wrong numbers, transferring me to other people, and finally being told today that my claim got DENIED and that there would be zero chance of reopening the claim. I even called XXXXXXXX XXXX and all they tell me is that I need to go through my bank. I tried calling and begging Chase bank three more times and all they said was that XXXX XXXX  denied the claim and they can't do anything about it. How does a guy just take an envelope, write his name on it, and gets all the money, no repercussions, no questions asked? How are Chase and XXXX Bank not being responsible about this at all?
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft, XXXX : XX/XX/XXXX XXXX {$620.00}, reported to credit bureau. XXXX XX/XX/XXXX an inquiry that was not consented. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX address reported that was never lived in by defendant. {$2300.00}. I have contacted companies to dispute but was told that I have a common name and it was attached to my credit report.
Product: Credit reporting

I demand to see Verifiable Proof of the accounts Experian have on file. But Experian still not show me. Their failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were two additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called Experian, XXXX, and XXXX to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX was sold in XX/XX/year> and this account should not be listed on my credit file anymore. XXXX XXXX does not own this account no more and therefor account should be completely remove. I do not have a balance with XXXX XXXX XXXX XXXX XXXX XXXX. Please remove account from all the credit file ( Experian, XXXX and XXXX ) immediately. The account is reporting inaccurate please remove asap.
Product: Credit card or prepaid card

After using a credit card for cash advance, my wife and I were shocked to see the fee that was charged to us by the Citi credit card company. I corresponded with the credit card company via their app. The corresponding customer service agent responded that the fee that was charged was in the cardholder agreement. When I responded that the cash advance fee increase associated with the credit card had never been communicated, he referred me back to the cardholder agreement on their website. This is a XXXX XXXX card that was automatically issued when Costco converted from honoring the XXXX XXXX card that we had originally. 
When I explained that I had never seen this fee, I was referred back to the cardholder agreement on their website. I think that the previous original cash advance fee percentage was 3 % and not the 5 % that I was charged this time. There is no way for me to confirm or were they able to verify when the increase was made. I am willing to pay for the lower percentage but feel that being charged for the higher percentage that is arbitrarily set by the card company without proper notification is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX   I called  XXXX  to have them remove a debt that has been reported on my account since   XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record   retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor  XXXX  could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's  Office  of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this de  bt ASAP according to Federal law.
<P/>  Account that is past this 7 year record retention is as follows :  XXXX   XXXX  Auto Finance Acct # :  XXXX  Original start date or reporting :   XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on Trans Union and  XXXX  with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, OR EQUIFAX is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.
Product: Debt collection

This collection debt came from : TSC Accounts Receivable Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX tscarsolutions.com Debt is from XXXX XXXX XXXX account number XXXX owed as XX/XX/22 amount {$110.00} interest charge {$12.00} total : {$120.00} My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX I called XXXX XXXX XXXX both locations XXXX XXXX and XXXX XXXX and there's no record of me ever being a patient in those urgent cares.
Product: Prepaid card

I must buy groceries online for delivery because I do not have access to transportation and live about 25 miles from a town with stores. Mastercard keeps declining my XXXX purchases stating possible fraud. XXXX has documented proof of the agency declining authorization. Meanwhile, Mastercard representatives give me conflicting stories. Direct Deposit/XXXXXXXX XXXX also gives conflicting answers about what's happening and refuses to authorize the use of any of my money. They also refuse to close the account and refund my money so I can find an alternate method of obtaining food. This might come as a surprise to Mastercard but humans need to eat to survive. Withholding food and absconding with my social security benefits seems like elder abuse.