23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have been contacted on numerous occasions by NCB Management Services about a debt that i am unaware of. I have requested that they verify the alleged debt through a letter to me per FDCPA guidelines. I have requested they cease contact with me or anyone else by phone until they provide verification of the legitimacy of the alleged debt. As of this date they have continued to contact me and family at work and home at all times of the night demanding that i pay this debt. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. NCB refuses to provide basic information needed to verify that this debt is even real. I received phone calls from multiple people from XXXX telling me that they are going to notify law enforcement about this debt ( which is both impossible and a violation of FDCPA ). The tactics employed by NCB are both predatory and illegal. Please help in resolving this matter expeditiously so this company is not allowed to continue to operate under false pretenses and unprofessionally.
Product: Money transfer, virtual currency, or money service

Bank of america is blocking me from making a transfer from XXXX XXXX  currency trading app. I was just wondering if i was able to be unblocked to be able to transfer the money from my XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, someone opened a XXXX XXXX account ( XXXX XXXX ). I did not open this account. XXXX claims I owe {$20000.00} on this account. I have no idea where it was opened or what was charged on the account. I have no account number. I filed a complaint with Identitytheft.gov,, and disputes with Experian, XXXX  and XXXX. XXXX continues to claim this is my account. I have never been contacted by XXXX. I have tried to contact them, but that's impossible without an account number ; you get caught in an automated loop.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/2024 and notice a XXXX XXXX on my file. I called XXXX to find out why is it on credit report, and they stated it was from XXXX XXXX. I called them, and explained to them I never received a final bill or any collection attempts. A change of address is valid for a year, as well as my email address is still the same. This debt hasnt been validated. I never heard about this agency, and wani it removed. Stop violating my rights. 

Permissible purpose, as defined in section 1681a of the Fair Credit Reporting Act ( FCRA ), refers to the legal and legitimate reasons for which a consumer reporting agency ( CRA ) can provide a consumer report to someone. These purposes typically include things like credit transactions, employment decisions, insurance underwriting, and similar lawful purposes. 

Upon received of this debt I have 30 days.
Product: Credit card or prepaid card

In early 2021, I contacted Discover to inquire about a credit line increase. I provided my estimated income, and submitted the form. I was denied a credit request and told a letter would come in the mail. The reason for the denial was that I did not spend enough money on the card. A few months later, I submitted a second request, repeating the above steps. This time, I was denied because I spent too much on the card. My closing balance was {$400.00}, and my available Credit was {$1600.00}, of {$2000.00} of the credit line in XX/XX/2021, I submitted a third request for a credit line increase. I was again denied, this time because of lack of information on a mortgage, or installment loan. Its interesting that a credit card company can decline an application for lack of mortgage, or installment loan, when that can not be a determining factor It seems that Discover wants to send me dozens and dozens of letters, and emails asking me to sign up for ID protection, or student loans, or mortgage information, but they refused to help me with something that might actually work for my needs. 
I applied for a new Discover credit card, the Discover it XXXX card. My application was denied, because of lack of mortgage or installment loan information. The unfortunate thing is a hard inquiry was placed on my credit file, when I was already a Discover customer. A hard inquiry is not necessary when I am a current customer.
Product: Credit reporting or other personal consumer reports

am the victim of identity theft which has caused a great deal of issues in my personal life and financial background. I have accounts on my report that are not something I authorize and have been trying to address the issues for months. All I am able to get from the bureau is that they verified the debt/inquiry and they are valid. By invoking the Fair Credit Reporting Act Section 611 I thought that finally things were going to turn around and I would get some resolution. It has not been over 60 days and no reply. 



Listed below are the items I am still trying to resolve : Charged Off Accounts XXXX XXXX Inquires EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

I am submitting a formal complaint regarding the ongoing and unresolved financial service failures caused by Fidelity National Information Services ( XXXX ), which have significantly impacted my ability to manage my finances. Since XX/XX/year>, my credit union accountprocessed through XXXX experienced serious issues, including missing transactions, unexplained deposits and withdrawals, and fluctuating balances. 

Despite repeated assurances from my financial institution and XXXX that these issues would be resolved, my account remains unreliable as of XX/XX/year>. I do not have an accurate balance and am unable to determine how much money I actually have. This has forced me to severely limit my spending out of fear that my balance is incorrect, creating significant financial hardship. 

Additionally, XXXX has prioritized the restoration of services for large banks such as XXXX XXXX while leaving over XXXX credit unions, including mine, without a resolution. This unequal treatment of financial institutions has left credit union members at a severe disadvantage and raises concerns about XXXX adherence to fair business practices. 

I request that the CFPB investigate XXXX handling of this outage, particularly in relation to : Its failure to ensure accurate financial record-keeping for affected customers. 
The unequal treatment of large banks versus smaller financial institutions. 
Potential regulatory violations regarding fair consumer access to financial services. 
I also request an immediate resolution to my account issues, including a full reconciliation of my transactions since XX/XX/year>, and a guarantee that I will not be held liable for any discrepancies caused by this outage. I look forward to the CFPBs investigation into this matter and a prompt resolution to my financial concerns.
Product: Debt collection

I called to receive information about a debt. This debt is apparently from XXXX XXXX XXXX. XXXX account number XXXX. I never received a bill prior to receiving a collection notice. This bill/debt is not listed as an insurance claim. I do not know if this is a legitimate bill and why it doesn't show on my insurance. When I tried to call about this, the agent wasn't helpful. She indicated she couldn't tell me where the bill originated or provide me with a copy of the bill and/or any contact information. This is not right. I need to see this reflected on my insurance claims and a proper bill to feel comfortable paying this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet Stolen XX/XX/2019 resulting in fraudulent inquiries for lines of credit using my information.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX continue to send letters saying they dont believe it is me submitting the disputes and refuse to investigate thoroughly this practice has been going on for on with my report for over a year. I need the disputes investigated and deleted if not thoroughly verified. 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 accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit ReportingXX/XX/XXXXXXXX account # XXXX, XX/XX/XXXXXXXX account # XXXXXX/XX/XXXXaccount # XXXX, US BKPT CT XX/XX/XXXX XXXX account # XXXX, US BKPT CT XX/XX/XXXXXXXX account # XXXX, US BKPT CTXX/XX/XXXXXXXX account # XXXX and 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 can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report TransUnion XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 & XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

Portafolio Recovery is trying to collect on debt not owed by XXXX XXXX. The debt was opened XX/XX/XXXX by XXXX XXXX XXXX and the other one was on XX/XX/XXXX. Both debt was by original owned by XXXX XXXX XXXX, which have no agreement, and have never done any contract or transaction with them. The amounts for XX/XX/XXXX is for {$1900.00} and is reported as open on the XXXX XXXX credit reports. The other amount is for XX/XX/XXXX for the amount of {$1900.00} and is stated open under XXXX XXXX. When I disputed the first amount for {$1900.00} for XXXX, Portfolio Recovery did not respond back instead they added a new one for the XXXX which was not on my report previously. This deceptively added a new unknown debt to my credit report from source I have never dealt with.
Product: Debt collection

I purchased a vehicle financed by AUTOMOTIVE Credit Corp on XX/XX/XXXX ; My payment was {$5000.00} down and {$900.00} per month ; payments was due the XXXX of the month. My truck was totaled on XX/XX/XXXX by a driver that ran stop sign ; I filed claim with at fault driver same day but later found out that her insurance lapsed which caused me to file with my insurance company on XXXX XXXX ; I paid XXXX and XXXX payment and have proof ; I received auto statement from XXXX stating XXXX was due on XXXX XXXX so I assumed it was because insurance paid vehicle balance of XXXX but found out a payment of XXXX was made XX/XX/XXXX ; I never received a XXXX Statement so I logged on to the website to pay balance on XX/XX/XXXX but message stated account was suspended but balance of XXXX due XX/XX/XXXX ( I have proof ) so I called to see why and was as told I would receive a letter in the mail ; No statement came for XXXX nor did the letter come but XX/XX/XXXX I received a phone call from XXXX XXXX company stating remaining balance for the auto loan with XXXX was due and I made an over the phone payment of XXXX that posted to my account XX/XX/XXXX ( I have statement proof ). XX/XX/XXXX I received a credit notification that a charge off was reported to my credit and dropped my XXXX score XXXX points. I called that same day to XXXX to find out why tis account was reported as a charge off and that it was paid in full but reporting a balance of {$4500.00} ; was instructed to call XXXX XXXX their collection company ; Called XXXX XXXX and was told balance was XXXX but they do not report to bureaus and to call XXXX back ; I called back same day and was told I had to speak to a supervisor and transferred me to a voicemail but call wasn't returned ; called back 48 hours later to XXXX and balance was confirmed XXXX but stated I had to dispute charge that was the only way to correct and they will respond and correct then ; filed a dispute on XX/XX/XXXX only for response to come back as updated, the balance still shows {$4500.00} and this still shows a charge off ... .report states last reported was XX/XX/XXXX but been paid since XX/XX/XXXX First mistake, the account was reported to my credit as opened XX/XX/XXXX when I can prove that was inaccurate, I still have messages from salesman showing me the truck XX/XX/XXXX asking if I was interested and more proof it was opened end of XXXX next, XXXX reporting balance of {$4500.00} still til this day when I have proof and so do they according to my last call that balance was XXXX and after sending disputes twice they still didn't update it ; XXXX was original creditor, never reported terms, monthly payment amount, and other accurate account information, it just shows {$4500.00} due, incorrect open date and a charge off status XXXX sold debt to XXXX XXXX but XXXX XXXX never was reported to my credit, so 2 parties was trying to collect on the same debt Still til today, I can still log onto account at XXXX that's shows next payment due XX/XX/XXXX for XXXX and that I paid XXXX and XXXX payments ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros
Product: Vehicle loan or lease

Acquired a car loan in XX/XX/XXXX. Due to covid and loss of wages, i was unable to keep up with car payments. Was approved for covid relief until XX/XX/XXXX. After that date I never again received a payment statement in the mail. I called many times to request a payment invoice and never received one. On XX/XX/XXXX I contacted TDAuto Finance to again request in writing, the amount owed in missed payments. The customer service rep I spoke with said he would mail out statement containing information on what I owed for missed payments. I informed the customer service rep that I was ready to catch up on payments and just needed total amount in a statement. I never received that statement. On XX/XX/XXXX my car was repossessed, with the cremated remains of a loved one inside, while I was running errands. I came out of a store and found my car gone. Leaving me stranded. I had to taxi home for {$37.00}. I contacted TD Auto Finance and they said I had to pay off entire balance to get car back. I had not received any written notice or phone call stating my car was in repossession status. According to Florida law 537.012 section 2 which states before the lender engages a repossession agent, they must afford the debtor an opportunity to obtain their personal property. I was never afforded that opportunity. After contacting TD Auto Finance on XX/XX/XXXX and informing them I vwas ready to catch up on missed payments, I dont understand why at that point they would repossess my car as i was making an effort to pay entire balance of missed payments. I am a senior citizen now stuck at my home with only a taxi for transportation, which is very expensive for me due to location of my home
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is not mine. 

XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectXXXX XXXX XXXX Incorrect XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit reportXX/XX/2022and noticed unauthorized accounts on my report. I did not apply for this account. I have filed an identity theft report. I also have reached out to the credit bureaus but the account has not been removed from my credit report. It is fraudulent.
Product: Debt collection

I received a letter from this company demanding that I pay them. To my knowledge I have never done business with company nor have they provided goods and or services to me
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. 

Account name : 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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are companies that comply and maintain files on consumers on a nationwide basis. 

As a direct dispute, I sent letters to XXXX, Equifax, and XXXX in regard to identity theft by XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX on XX/XX/2021. 

As a consumer, I have identified the tradeline accounts from XXXX XXXX XXXX  XXXX, and XXXX  XXXX XXXX XXXX as identity theft, in which each consumer reporting agency ( XXXX, Equifax, and XXXX ) should have removed no later than 4 business days after the date of receipt. XXXX, Equifax, and XXXX  have yet to remove these accounts from my consumer report, as it has been well over 4 days. 

I have provided each consumer reporting agency with proof of identity, a copy of an identity theft report, and a statement which are included in the exhibits attached. 

Pursuant to 12 CFR 1022.43 ( e ), a furnisher must conduct a reasonable investigation of a direct dispute if it relates to a consumers liability for a credit account, such as direct disputes relating to whether there is or has been identity theft against the consumer. A furnisher must review ALL relevant information provided by the consumer. 

XXXX XXXX XXXX  or XXXX  XXXX XXXX XXXX must conduct reasonable investigations and they must clearly and accurately disclose information to my character, general reputation, personal characteristics, and mode of living. 

This investigative consumer report must be obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

With the information that these corporations receive from the personal interviews, this information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I should have received a written letter three days after the date on which the report was first requested, including a statement informing me of my right to request the additional disclosures. I have not received any update or disclosures from any consumer reporting agency, nor XXXX XXXX XXXX, nor XXXX  XXXX XXXX XXXX. 

XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX have not complied with federal law by maintaining reasonable procedures to avoid violations. I believe and have reason to believe, that XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX need to be held liable for their actions, or lack thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/, A number called me using a rerouted Bank of America number telling me that there was a fraudulent charge and put a code in XXXX to verify my account. I accidentally sent {$1900.00} to them under false pretenses, I immediately called Bank of America asking for an investigation, they responded on XX/XX/XXXX, that no error occurred. We appealed the claim, and they said they couldnt recover the money on XX/XX/XXXX, and told us to contact the receiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX {$7400.00} I have disputed this more than once ... it was settled ; yet Equifax will not remove ... 
Litigation may follow soon ...
Product: Student loan

Received a letter from MOHELA that interest would accrue while I'm on forbearance even though I'm on forbearance due to the SAVE plan so interest should not be accusing during this period according to the government student aide site.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : Discover Bank
Product: Checking or savings account

BANK STATED THEY WOULD BE CLOSING MY ACCOUNT ON XX/XX/XXXX. AS OF THIS WEEK THE ACCOUNTS WERENT CLOSED. WHEN I FILED ANOTHER COMPLAINT THEY CLOSED ONE ACCOUNT AND DID NOT CLOSE THE OTHER. THEY TO DATE HAVE NOT SENT MY MONEY FROM EITHER OF MY ACCOUNTS, ARENT PROVIDING ME UPDATES. TOLD ME THAT MY KIDS WOULD HAVE TO STARVE BECAUSE THEY ARE HOLDING MY MONEY. THEY ARENT PROVIDING ANY UPDATES.