23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : Debt Collection Practices Date : XX/XX/2024 I am submitting this complaint against NCB Management Services for their egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their attempts to collect a debt from me. 

Account Information : Account Number : XXXX Amount : {$910.00} Collection Agency : NCB Management Services Violations : - Failure to validate debt : Despite my two certified dispute letters, NCB Management Services has failed to provide any documentation to validate the debt. 
- Ignoring disputes : The company has ignored my two dispute letters, failing to respond or acknowledge my concerns. 
- Inaccurate credit reporting : The company has reported the debt to my credit report without verifying its accuracy. 

I have requested that the company : - Verify the debt by providing documentation - Provide a detailed accounting of the debt - Cease any further collection activities until the matter is resolved - Remove the inaccurate information from my credit report However, they have failed to respond or take any action to resolve this matter. 

I believe that NCB Management Services ' actions are in violation of the FDCPA and FCRA, and request that the CFPB take appropriate action to hold them accountable. I have already filed complaints with the XXXX and will pursue legal action if necessary. 

Sincerely, XXXX XXXX
Product: Debt collection

I went to check my XXXX account and see a company named DRS that added itself to my credit report I opened the account and see its from a old debt named XXXX i haven't received and letters or any emails from the company in XXXX  and now this is on my credit report without my knowledge.
Product: Debt collection

After the collection agency had called me 3 or 4 times, leaving a voicemail message, I returned their call and asked that they do not call me, that they can send notice by mail to my address, since I only use my phone for emergency purposes. The agent replied " we tried that and it didn't work ''. I hung up on them at that point and have never answered any of the over 50 calls with voicemail they've made. Call frequency is to call back in 1 to 5 days later. Most often they will call every 2-4 days. This has gone on for at least 6 months and I feel harassed. 
The agency has already entered a non-payment record in my credit report, yet still tries every 2 and 4 days to contact me. I have blocked the # but it still goes just immediately to voicemail and they always leave the same recorded message.
Product: Credit reporting or other personal consumer reports

I want to formally dispute and seek the removal of certain hard inquiries listed on my credit report that were made without my consent. After reviewing my credit report, I discovered hard inquiries associated with these lenders have accessed your credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know who is accessing their credit reports. According to Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report only for specific permissible purposes, including the consumer 's written instructions or requests. In this case, I want to make it clear that I did not authorize or give consent to these companies to access my credit report. 

Moreover, under Section 609 of the FCRA, I am entitled to dispute the accuracy of information contained in my credit report. The inquiries in question are affecting my credit score adversely and do not reflect any accounts or transactions associated with me. Since there were no agreements or prior notifications regarding these inquiries, I kindly request that you investigate these matters and remove them from my credit report as soon as possible. 

Additionally, I would appreciate receiving a written confirmation of the actions taken regarding my request, as well as an updated copy of my credit report after the corrections have been made. 

Thank you for your attention to this matter. I genuinely appreciate your assistance in maintaining the accuracy and integrity of credit records.
Product: Credit reporting or other personal consumer reports

They [ Nelnet ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXX of 2022. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, and I have still found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. CORRECT the account below : XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX  started the process for installing solar but we canceled the project in XXXX XXXX before any work was done. I received an email from Mosaic in XX/XX/XXXX that loan payment will start. After inquiring with both companies I found out XXXX XXXX took out a loan in my name in XX/XX/XXXX even though the project was canceled. 

XXXX XXXX admitted the loan was taken out by mistake and said they would start the cancelation process but after several days I didn't hear anything. I then contacted Mosaic and they said they would start the cancelation process from their end. After not getting anywhere after contacting them several times, I submitted a complaint with the Better Business Bureau. Shortly afterwards I was contacted by XXXX XXXX that they notified Mosaic about the cancelation. As of XXXX XXXX XXXX  I had no estimate for when this would be resolved and Mosaic recommended I still pay on XX/XX/XXXX to avoid negatively impacting my credit. 

Finally after making a XXXX  complaint about Mosaic I got confirmation that both companies agree it should be canceled and that it would be canceled within 10 to 15 days. They still recommend I pay to avoid credit issues. 

I heard nothing and finally contacted them on XXXX XXXX XXXX  and they said they are still waiting from funds from XXXX XXXX and as such I should still continue making payments. 
This is a fraudulent loan made well past cancelation and for services never rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry showing up on my credit that I dont recognize or did I authorize. XXXX XX/XX/XXXX
Product: Mortgage

Nationstar is in violation of CA Homeowner of Bill of Rights and guilty of acting in bad faith for denying borrower their legal right to do a short sale when they countered the offer without giving buyer anytime to respond to the offer. They simply countered the offer and then closed out the request which is acting in bad faith in a real estate transaction as buyer must be given time to answer counter and illegal under the CAHBOR since they are denying short sale when they denied buyer their right to answer counter. 
Nationstar is also in violation of anti dual tracking CA laws for having a sale date on a property when borrower is seeking foreclosure alternative programs. Dual tracking is not limited to modification nor does CAHBOR state that a short sale must be " approved '' in order for dual tracking to be illegal. 
Finally Nationstar is on the record as lying stating seller cancelled short sale transaction immediately after buyer was countered that is a complete lie. Lender closed out short sale denying buyer their legal right to counter. Violation of Real Estate contract law. When Nationstar countered they entered into contractural negotiations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

XXXX and JPMC is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.
Product: Credit reporting or other personal consumer reports

Navient is reporting on my Consumer report when they should have stop reporting in XXXX per CFPB. AS of XX/XX//2025 Navient is still reporting on my Consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXXXXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXXXXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. XXXX XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Debt collection

XXXX XXXX  esquires already discharged this inaccurate information I have not seen a hospital for XXXX and why is this still popping back up making it harder for me to buy house this ashame how these companies try to keep you in a whole without any real proof
Product: Debt collection

- On XX/XX/2023 I wrote a Validation letter to United Revenue Corp : and they received onXXXX regards to my consumer right of the Debit Collection Act 15 USC 1692g , Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documentation that I have the right to request my second Validation attempt letter to United Revenue Corp : of Agreement docs and more as you will see that I have uploaded ( attached ) is what I sent to them for the second time and by law they have 30 days to validate my request as this is my consumer right of the law. In violation of this request law and ignoring my request of all documentation that you will see attached that I have asked for I demand that this item ( Medical ) that is being reported on my consumer report be REMOVED ( DELETED ) .from my consumer report because of the 30 days past due that I did not receive none of the documentation that I asked for from UNITED REVENUE CORPORATION . I am requesting that the CFPB who protects me as a consumer have this negative information and violation of the 30 day request law that has been ignored REMOVE, ( DELETE ) this item from my consumer report. Thank You!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. An account was fraudulently opened in my name on XXXX, 2006 by Transunion Credit, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified account must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand this account be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting to the credit bureau that this account is a charge off, a charge-off account is a written off account as a loss and the account is closed to future charges, this is fraud, XXXX XXXX  XXXX has been accepting a XXXX dollars a month from me on this loan.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE IS REPORTING MY ACCOUNT INCORRECTLY. THE ACCOUNT OPENED IN XXXX AND THE BALANCE REPORTED ( {$300.00} ) IS WRONG. I HAD A XXXX BALANCE AT THE TIME IN XXXX AND DID NOT EXCEED THE CREDIT LINE OF {$300.00}. THE INCORRECT REPORTING REDUCED MY CREDIT SCORE XXXX POINTS. 

REQUESTING CAPITAL ONE TO FIX THE DETAILS IMMEDIATELY ON MY XXXX AND XXXX REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Accounts, has violated my rights. 
XXXX XXXX XXXX Account # XXXX. Date opened XXXX, amount XXXX status charge-off. 
XXXX XXXX Account # XXXX, Date opened XXXX status charge-off. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date opened XXXX, amount XXXX status charge-off -XXXX Account # XXXX Date opened XXXX status Legally paid in full for less than the full balance. 
XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XXXX XXXX amount XXXX. 
- XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX amount XXXX. 
- XXXX XXXX XXXX Account # XXXX Date opened XXXX XXXX amount XXXX. 

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 sates a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My daughter took out XXXX student loans and used my name and identity to co-sign without my knowledge.
Product: Debt collection

I have been harassed by a collection agency by phone and letter over a medical debt that was long paid for. I notified them it has been paid, and was not delinquent or any of their concern. I receive harassing phone calls, some with the number blocked, and threats by their agents. I provided proof of the debt paid and told them to cease and desist ALL contact and harassment but they simply refuse. My rights under the FDCPA are now being violated and in addition to that they have now damaged my credit with a completely FALSE account and collection. I demanded the proof of entire debt, all itemized statements mailed and the notice of collection letter required to be given to me within 5 days of accepting any debt that they believe I owe. I have been DENIED all these things and CONTINUED harassment and VIOLATION off my rights per the FDCPA. NOW the FCRA is being violated and FALSE and INACCURATE and UNVERIFIED IN FULL WITH REQUESTED DOCUMENTS. I am livid at the actions of this collection and am seeking an attorney to seek monetary relief and fines and fees from the Attorney General if this is not ceased immediately and removed from my credit. 

HIPAA VIOLATION NOTIFIED AND SENT TO ATG.
Product: Mortgage

Unlawful Foreclosure. I have submitted a full and complete loan modification application to Home Point Financial regarding my mortgage loan currently in active foreclosure. Pursuant to California'ss Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above referenced property until you have provided an answer to the our loan modification application. Active foreclosure sale date scheduled for XX/XX/2019 must be cancelled immediately. 

We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 Section 602 A state I have the right to privacy.

15 USC 1681 Section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous disputes and Method of Verification requests and Equifax Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious XXXX XXXX XXXX. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.
Product: Payday loan, title loan, or personal loan

The Company ( Towner Loan ) we have a loan with the payment was due on XX/XX/XXXX. 
We intend to pay it on XXXX XXXX. We are 15 days late. 
They threatened to come to our house and take our belongings until they get their money. 


A little FDCAP Violation for someone only 15 days late!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.