23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I am seeking resolutions to handling FCRA violations done against me by debt collection agency, NCB Management Services, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ). 

1. NCB Management Services is falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX that I owe them a debt in the amount of {$11000.00}. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which has also resulted in my XXXX score taking a major plunge recently because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. I have documentation showing that this debt collection agency was removed back in XX/XX/2017 to only learn they are still reporting to all 3 major credit reporting agencies. I am still baffled how! Please help me in what seems to be a never ending uphill battle with this debt collection agency who is practicing illegal debt collection activities. 

Kindest Regards, Frustrated Consumer
Product: Debt collection

Carmax is reporting a debt to my credit that I dont owe and obviously a result of identity theft. I have never done business with this company. Due to the significant amount of identity, I had to recently get a court order for a new social security number. So my current social security number is considered dead.
Product: Credit card or prepaid card

I am showing an open balance of {$4500.00} on my chase credit card number XXXX. This account was sent to collections to XXXX XXXX XXXX where we had a signed contract to resolve my balance for XXXX. I made 9 payments to them for {$230.00} and one for {$350.00} which is equal to {$2200.00} leaving only one payment of {$350.00} to fulfill my contract I signed with them. The last payment of {$350.00} was made on XX/XX/2016 and shortly after that they changed their name to Alltran and renege on my signed contract and after getting to talk to even the managers they wouldnt accept the final payment of {$350.00} and said I owed the whole {$4500.00} amount. We got into quite a heated argument over them not accepting the contract they agreed to and I have never heard from them again on this matter. Still the {$4500.00} is on my credit report saying it is still what I owe. I hired XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX with XXXX XXXX as my advisor to settle this debt for me with XXXX XXXX XXXX and I have included in this my statement from XXXX XXXX XXXX who XXXX XXXX XXXX uses to pay the money to the debt collectors or banks my 9 payments made by them for {$1800.00}. I also have included the payment I made myself after I ended my contract with XXXX XXXX XXXX where I paid {$350.00} straight out of my bank account equaling {$2200.00} with only {$350.00} being owed to settle my debt. I have been unable to obtain my signed contract from either Alltran or XXXX to prove this is what was agreed upon but I hope you can and be able to settle this matter for the {$350.00} I owe still. Thank you for any help you can give me in this matter and I hope you can finally settle this. 

I sent this to XXXX over 30 days ago and under the fair credit reporting act they were suppose to look into and I never heard back from them. After 30 days this is suppose to come off my credit report if they do nothing and that's what I'm trying to do.
Product: Vehicle loan or lease

The company put the account as a charge off. I requested a 1099 C form for cancellation of debt. They contacted me to get payment or repo the vehicle after they write off/profit loss. I asked for the form & they told me I had to speak with my creditors. XXXX. 15 U.S. Code 1692e ( 4 ) Threat of repossession is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.XXXX. 15 U.S. Code 6801 ( a ) financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer
Product: Student loan

I have been being harassed with multiple daily phone calls by Navient for the last year or so. I graduated in XXXX and am currently prepping for graduate school which should start next year. I have communicated this to Navient multiple times that I am unable to make payments on my loan right now and am not done with my education, as I am waiting to be accepted to a program. 

I have put my loan on deferment several times, and I am fine with continuing to do this, however I need them to stop calling my phone multiple times daily. I have requested multiple times they communicate via email or actual mail and this is a form of harassment. I will pursue legal action against this company if they do not discontinue the phone calls immediately. They call from a different phone number every time, and sometimes when I answer the calls it says " please hold for the next available agent '', so I know they are using an autodialer to call me. 

I have gotten 6 phone calls TODAY alone, and my next loan payment is n't due until XX/XX/XXXX! That is not for over 3 months! LEAVE ME ALONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar  companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, and due stress. I seek appropriate redress for these violations.
Product: Mortgage

In XXXX I filed bankruptcy and Discharge in XXXX. The 2nd mortgage company disappeared in the bankruptcy and returned 9yrs later demanding repayment with interest or foreclosure. Because they disappeared and I couldn't locate what happened via numerous calls, I assumed the loan was Discharge as well until about 8-10 m9nths ago I began getting statements.

I'm attempting to get a loan remodification and pending the result but fear if they deny it, I'll see the home. The next hearing is XX/XX/XXXX when we'll discuss what happens next which would be only a couple weeks from the scheduled foreclosure date. 

Shouldn't yhe loan have been forgiven after 7yrars of no contact or interest in the property anyway. Nor have they reported to any credit bureau for 9years displaying no interest until now, and I'm beginning to believe it may be foreclosure fraud on senior citizens.
Product: Credit reporting or other personal consumer reports

Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre XXXX hard inquiries which include XXXX XXXX via dealer, TD AUTO Finance, XXXX XXXX XXXX which were all authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Student loan

The organization, sent a mass email to multiple loan holders disclosing private information regarding the status of loans. The sender was XXXX XXXX from Firstmark Services. After a few of us responded that this communication was a violation, she attempted to recall the email with no success. Proof of this email, the responses of the recipients, the lack of response from the company can be provided.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my consumer report by XXXX, Equifax, and XXXX. I have previously submitted a complaint to the Federal Trade Commission ( FTC ) about this matter, but I am now seeking further assistance from the CFPB. 

On XX/XX/year>, I sent a letter to XXXX requesting an investigation into several accounts listed on my credit report that I believe are inaccurate and harmful. Despite this request, I have received no response as of today, and the inaccurate information remains on my report. Since sending this letter, I have not received any response or resolution from XXXX, Equifax, or XXXX, and my consumer report continues to bear inaccurate and harmful information. This lack of response and correction violates my rights under the Fair Credit Reporting Act. 

I request the CFPB 's assistance in addressing this issue and ensuring that the inaccurate information is removed from my consumer report promptly. Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The credit agency like XXXX, XXXX and Equifax has damaged my credit and even after 5 years they still have negative reports on my account, when I sent them documents that I was a victim of fraud and they still have those negative reports on my account and Also accounts that you report as fraud. Please help me because since I was XXXX and now I am XXXX XXXX XXXX I have not been able to use credit because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best place mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt and that turned my world upside down. I stayed from place to place wherever I could and my personal information was stolen in the midst of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my report.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. XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 anteates 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 reasonably believes that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Please remove all Old address and other names besides mine Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Any other info needs to be removed asap
Product: Debt collection

Gr group /global resolution keeps calling me in regards to a pre legal debt. I have never recieved any letters or notices. They have reached out to family and friends to tell them there could be a judgement against me for a debt and for them to reach me. Harassing me and my family and I don't even know for what debt. They are illegally disclosing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX, and Equifax after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXX XXXX : {$60.00} XXXX XXXX XXXX  XXXX XXXX  : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX under account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a 1099C should've been filed and reported with the IRS by creditor. I never received a copy of this 1099C. Instead, XXXX is still trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. 15 USC 1681e ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that XXXX, Transunion, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, XXXX responded back by updating my account to CHARGEOFF status, which is a further violation of my rights as a Consumer. 15 USC 1681s-2 Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation Accurate : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX didnt receive a Form 1099-C, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my XXXX, XXXX, and Transunion Consumer Report immediately!
Product: Mortgage

On XX/XX/XXXX Pacific Union Financial approved a short sale on Mr. and XXXX XXXX home located at : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Our home has been foreclosed on aftera Short Sale had been approved prior to Foreclosure XXXX XX/XX/XXXX for short sale price agreed upon by Pacific Union innthe amount {$390.00}, XXXX. 

I have attached the Short Sale Agreed approved by our mortgage company Pacific Union Financial on XXXX/XXXX/XXXX and the Trustee Deed upon Sale. 

Paragraph from Pacific Union Financial Short Sale Agreement XX/XX/XXXX Pre-Foreclosure Sale / Short Sale / Compromise Sale Arms-Length Transaction Addendum Loan Number : XXXX As relates to a certain real estate purchase contract dated concerning the following mortgaged premises ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Under which the existing mortgagee ( s ) has agreed to accept less than full payoff of the debt owed inexchange for release of the mortgaged premises ( a pre-foreclosure sale, short sale, or compromise sale, referred to herein as pre-foreclosure sale ), each of the signatories hereto hereby certify and affirmunder penalty of perjury, that to the best of their knowledge and belief ; '' I am filing a compliant against Pacific Union Financial because the mortgage company never provided any correspondence other than the Short Sale Agreement and approval for our home to be short sold in the amount {$380.00}, XXXX. 

I have never received any correspondence that the short sale had being withdrawn nor denied by Pacific Union Financial. The Short Sale agreement was approval on XXXX, however the foreclosure sale occured after the short sale had been approved on XX/XX/XXXX for the short sale agreed price. I was never provided written notice from the realtor, the attorney nor pacific union prior to the  short sale.
Product: Credit card

Had credit card statement. Paid in full ( $ XXXX ) on XX/XX/XXXX and then double paid ( another $ XXXX ) on next day ( XXXX ) Citibank has refused to return excess double payment as of today ( XX/XX/XXXX ).
Product: Debt collection

There is an entry posted on my XXXX credit report from account management services. The original creditor was XXXX. I disputed the validity of this debt with XXXX and filed a claim with Washington State Department of Finance and in turn they agreed that it should be removed.However they stated that they were unable to do anything about the Collection Agency that purchased the debt. I have disputed the AMS debt with XXXX several times yet the entry still shows. The SOL for the debt is XX/XX/XXXX and should be removed from report, However when I reviewed my report it appears as if the collection agency posted a {$2.00} payment ( do n't know when they made the payment ) on the account in order to start the SOL over.This ca n't be legal. I never made a payment to the collection agency because I have continuously disputed the validity. I have again disputed this and asked that this be removed from my XXXX Credit report. I believe the original date the account showed open from XXXX was from XX/XX/XXXX and has been deleted from all XXXX of my credit reports. What do I do from this point, I can not afford and attorney. AMS has posted 30 day late for several months which continues to damage my credit. I would like to again dispute this and have this removed. I also believe that AMS should be held accountable for the debt collection practices. 

ACCOUNT MANAGEMENT SER XXXX, CA XXXX Unknown Account Name ACCOUNT MANAGEMENT SER Account # XXXX Account Type Other Collection Agencies I have attached email from XXXX documenting XXXX ( this info is highlighted in yellow ) representative stating the removal of the negative information. I have also included the entry from my credit report that shpws the {$2.00} payment and the date the negative information should be removed