23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Complaint Regarding Debt Collection Practices National Credit Systems Inc. 

Dear CFPB Representative, I am writing to express my sincere concern regarding the handling of a debt collection issue involving National Credit Systems Inc., a third-party debt collector. I seek your assistance in resolving this matter promptly. 

On XX/XX/year>, I received an email from National Credit Systems Inc. notifying me of a debt allegedly owed by myself, XXXX XXXX, in the amount of {$4400.00} to XXXXXXXX XXXX XXXX XXXX. The email indicated that National Credit Systems Inc. was attempting to collect this debt on behalf of the current creditor. 

On XX/XX/year>, I responded to their email requesting the following information to verify their authority to operate in this capacity : 1. Proof of National Credit Systems Inc. 's authority to operate as a valid business entity within the state of Texas. 
2. Proof of their authority to act on behalf of XXXXXXXX XXXX XXXXXXXX XXXX in the collection of this debt. 
3. A complete accounting of this account, including on-ledger and off-ledger entries, for both the private and public sides of all transactions and records associated with this account. 

I explicitly stated that failure to provide a complete and adequate response within seven ( 7 ) days from the date of my letter would be considered acquiescence on their part. Silence would be taken as agreement, and non-response would be viewed as a failure to substantiate their claim of authority. 

Having received no response, I followed up with a cease-and-desist letter on XX/XX/year>, demanding that National Credit Systems Inc. cease all collection efforts regarding this alleged debt due to their failure to provide the requested documentation and legal authority to collect on this debt per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Copies of the letters sent to National Credit Systems Inc. are attached for your reference. 

On XX/XX/year>, I sent a Formal Request for Investigation and Correction of my credit report file concerning National Credit Systems Inc. and another creditor listed on my credit report file, including my supporting documents ( emails sent to the creditor ), to all three credit reporting agencies : XXXX, XXXX, and XXXX. Copies of the supporting documentation are attached. 

As of today, XX/XX/year>XXXX I have not received any response from XXXX, XXXX, or XXXX regarding my request, and there has been no change in my credit file. I feel I have been left with no other option but to file this complaint and request CFPB 's assistance in resolving this matter. 

Thank you for your attention to this urgent issue. 

Respectfully, XXXX XXXX
Product: Credit card

I contacted Synchrony Bank about fraudulent charges that showed up on my XXXX 's card. i called their dispute line and disputed them. They refused to work with me, saying i benefitted from the purchase. I called them several times and spoke with different reps, disputing the charges and they have still refused to remove the charges. They have also put XXXX, XXXX, and 90 days late on my credit reports, causing my score to decrease.
Product: Mortgage

the chase bank took out a foreclosure and never told me or their attorney until i called, the amount to reinstate is XXXX by the XX/XX/XXXX and i can not get a loan, i want to keep my home and get the loan redone, also the loan of XXXX is the loan and the value of the house is XXXX and this is illegal, plus they gave bad info to someone who had no permission, i want this foreclosure stoped
Product: Checking or savings account

My account was frozen one day without notice as well as my funds not being able to be transferred out. I am past due on rent due to this and had to borrow money.
Product: Debt collection

Was contacted by XXXX XXXX, Attorney in regards to the alleged debt via mail in XX/XX/. In this notice it was NOT specified to only contact by phone or by mail, the company-provided their email address in the header as well. It mentioned responding by XXXXXXXX  and i did so. I responded to XXXX XXXX via email on XX/XX/XXXX  to dispute the alleged debt, his association, its entirety in general. XXXX XXXX responded with having a lawsuit filed XX/XX/. XXXX XXXX was emailed on his business email server at XXXX. Since then one with access to this server has opened my correspondence regarding the alleged debt a total of 13 times the most recent being XX/XX/XXXX  at XXXX from a XXXX XXXX LA IP address in the city in which XXXX XXXX XXXX. XXXX XXXX and Credit Acceptance knowingly and neglectfully disregarded the dispute and continued to report negative markings on my credit report. No acknowledgment of email or correspondence of any kind was sent to validate their claim. No Contract. No Billing Statements. ( Past or Present ) No Response! Not even a notice refuting my dispute to be frivolous or irrelevant. XXXX XXXX office acted premature and malicious in filing the law suit. 
It was not until i received notices from 2 bankruptcy attorneys on today XX/XX/XXXX  i was able to confirm my personal information was listed to the public via court records in a lawsuit. A search on the Court records confirmed this lis pendis as well.
Product: Debt collection

I received a text from them that I owe a debt. I called them and they claim I owe a debt with XXXX. They provided an address for the bill but I have never lived at the address they provided me. I called XXXX and they verified with me that I do not have any debts with them or for that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addendum to complaint number  XXXX . There is NO unauthorized third party. Please proceed. Thank you.
Product: Consumer Loan

XXXX sold me a " new '' vehicle with the odometer registering 585 miles, which I did not notice until the following day because the car was tested at night and the salesperson changed the electronic display to show mpg not actual mileage. In addition I agreed to a 72 years loan a 0 % interest with a monthly payment not to exceed {$260.00} but they issued a contract for 74 months and a beginning mileage of 4 miles, therefore misleading the Ford Motor Credit to issue a loan under false pretenses. I have tried to get the Ford Motor Company to assist me but they have ignored my letter sent twice to the CEO, XXXX, my emails to Customer Relations and my voice mails to the Executive Offices requesting a call back phone call. As a result of XXXX deceptive selling tactics and wrong financial information on a contract for financing with Ford Motor Credit, a subsidiary of the Ford Motor Company, I suffered a financial loss by having to trade in the vehicle at a lower book value because it was not considered new by another Ford dealer. Attached is the contract with Ford Motor Credit as well as my correspondence to XXXX, President and CEO of the Ford Motor Company and my email replies to the company when they send me Ford propaganda. In addition to the car not being new, it had worn out, bleached looking plastic door frames and the Office Manager, XXXX offered me to have them painted, which I could not agree to. Loaned car sold as new using false financial information to the financing agent and with cosmetic defects. I am also attaching the contract with XXXX that sold me a new car in perfect condition after some minor delivery problems so that you can see that I suffered a financial loss that I estimated to be no less than {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Vehicle loan or lease

Received a bill for so called used damages 45 days after turn car in to dealer : They cliam tires worn, scratches.Before turn car in I had PA Inspection back tires passed, purchased new tires for front, car passed, term milage was XXXX miles allowance car turned XXXX miles.I had a dealership " XXXX '' done every 6mo '' s which was done day before turned car in.Garage keeped car Took pictures of car before turning car no visable damages or scratches, no dents, etc, very light scratches from bushes or small marks from stones. I got pictures from GM Finanici showed to many people could not damaged to car, took to professional Auto Body could only see a small ding back one inch lower part rear bumper.GM FINANICAL add various fee & taxes not shown to me a the time I did original paper work very poor disclosure of what was in lease at end of term.All dealership leases not properly disclosed or people would not do leasing, a number story of leaseing charging thousands of dollars to un suspecting consumers.The lease want to sell car and not put the cast of refurbishing car on un suspecting consumers.GM Financial does not permit dealers to go over cars, they send 3rd party team that get paid to find out what they can use to justifiy over billing
Product: Debt collection

This company put a bad collection debt on my credit report. This same debt was deleted from my   XXXX    &amp;   XXXX  report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor (  XXXX  ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt &amp; I want it removed from my  XXXX  report through the dispute I filed with them. They violated FDCPA laws.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE & WEINER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

I just found out that after I filed for pandemic employment benefits 2 years ago someone stolen my identity I was geting my benefits for 2 years with out my knowledge I called Bank of America XXXX  claims operations to let them know that I been a victim of identity theif Im trying to get my funds thst were stolen from me I got a police report they are still giveing me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following items be updated immediately for they are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit card

I am writing to delete the following information in my file. the items i need deleted are listed in the report.I am a victim of idenity theft and did not make the charge. I ask that the item be deleted to correct my credit report.please delete the items as soon as possible.in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to prive and confendentially under 15 U.S.C 1681 accounts stated APPLE CARD-GS BANK USA has violated my rights,15 U.S.C 1681 section 604 A. States i have the right of privacy.15U.S.C1681 C. ( a ) ( 5 ) section states i no consumer reporting angency may make any consumer report containing any of the following items of information any other advertise item of information. other than records of conviction of crime indicates the report be more than 7 years.15US.C 1681 S-2 A person shall not furnish any information relating to a comsumer, to any comsumer reporting agency, if person knows its inaccurate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Complaint : XXXX was closed but had some inaccurate information. 

This is the status back from the collector : An initial notice was sent to XXXX XXXX on XX/XX/XXXX. Wakefield has no record of mail return. Wakefield has received disputes from the credit reporting agencies ( CRAs ) through XXXX on beginning XX/XX/XXXX. Wakefield uncovered no evidence that inaccurate information was furnished to the CRAs in its investigation. Wakefield has requested a statement from the original creditor and will send directly to XXXX XXXX upon receipt. 

I have never received any mail from Wakefield about this debt. Furthermore, the last sentence mentions that they will request a statement from the original creditor and will send directly to me. I have not received any statement or any mail at all.

I've complained about this debt record for months and have never received any proof or documentation showing that this debt belongs to me.

Why did the original complaint here get closed? The collector took no action. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 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 a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Fair debt collection practices act violations:1. Debt collectors are not permitted to ask a consumer to pay more than they proportionally owe [ 15 USC-1692c ] 807 ( 2 ) ( a ). By failing to validate the debt, the debt collectors are doing exactly that. By failing to provide a CERTIFIED STATEMENT OF ACCOUNTING as required under the Uniform Commercial Code Article XXXX. 
2. Sending a paper known as a financial statement that is not signed and or certified DOES NOT constitute as a valid certified statement of accounting [ 15 USC-1692g ] 809 ( b ) and violates the rights of the consumer or borrower. 
3. The debt collectors have added on extra fees that were never provided to the consumer or borrower and is in violation of the FAIR DEBT PRACTICES ACT [ 15 USC-1692F ] 808 ( I ). Because an accurate certified STATEMENT OF ACCOUNTING has yet to be provided, the actual amount purportedly owed is misrepresented and violates the rights and entitlements of the consumer and or borrower. 
4. The purported debt collectors and or financial institution have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
5. The financial institution and or debt collectors are threatening to take property that is not theirs to take. This is a violation of the FAIR DEBT COLLECTION PRACTICES ACT [ 15 USC-1692e ] 807. 
6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law. 
7. After receiving notice to cease and desist all communication until the debt has been validated and verified the financial institutions and or debt collectors have violated federal law [ 15 USC-1692c ] 805 ( c ).
Product: Credit card

XX/XX/2024 I filled out a donation to the local XXXX XXXX. When the page indicated that Pay Pal was the only option for payment, I ERASED THE INFO FROM THE FORM. 
I do not have a Pay Pal account and I dont want one. PayPal has been involved with episodes of credit card hacking and release of private information in the past. I WILL NOT HAVE A PAYPAL ACCOUNT., Despite erasing the form and backing out of the process, PayPal sent a notice that they were processing this donation even though I did not complete the donation and did not give consent to pay. 
PayPal has an old email of mine ; they HAD BETTER NOT have my credit card information. They are NOT authorized to make payments or promise of payments on my behalf. 
I dont and WONT have an account with PayPal , so it is virtually impossible to contact them. 
Paypal is a company that is not trustworthy of private information. 
If PayPal has any credit card information of mine, they have obtained it ILLEGALLY. 
PayPal does NOT have the authority to process any financial transactions in my name. 

Interestingly, they have sent notices recently on other transactions that I had nothing to do withclearly, my information has been hacked through PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many many times to get a copy of my credit report from Equifax, to make sure that my information is correct and has not been compromised. I am entitled to a free credit report because I was not approved for a credit line increase in the last 60 days. I only get a 500 server error on their website ( tried this multiple times over a period of 10 days ), and their phone line hung up on me randomly the three times I tried to call.
Product: Credit reporting or other personal consumer reports

After I reviewed my consumers report, I noticed that there were 2 accounts listed that do not belong to me. Here are the accounts below XXXX XXXX XXXX Bal- {$7900.00} Opened XX/XX/XXXX XXXX XXXX Bal- {$3800.00} Opened- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the balance on my XXXX XXXX  XXXX credit card. The bank over charged me with their error and are refusing to fix it. So I disputed it. TU didn't act as if they investigated even though I sent a mountain of info with all of my statements and a letter detailing the issue. They treated it as any other frivolous dispute and ignored it leaving the info unchanged. It's inaccurate and I want it fixed! I'm not accepting their response. The balance is wrong, XXXX over charged me with interest and other fees for their error. The item should've been cleared with all of the payments I made. One of them fairly huge! They ignored it so they could double charge me for the item doing a bait and switch so they could earn double interest. They tacked on back interest and have refused to correct it. I suspect I will end up having to sue them when I get the balance lower. I refuse to pay the add on costs period. Their account is in dispute as far as I'm concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instruction.