23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, National Credit applied negative inaccurate account information to all three credit bureaus. Before submitting the negative information, NCA did not attempt to contact me regarding the alleged negative account. I contacted NCA regarding the inaccurate information submitted to the credit bureaus. I asked the representative about the alleged negative account. The only information I received from the representative was an inaccurate address from a different county and the alleged previous account ower was XXXX Mastercard. This is false information because I have not applied nor had an account with XXXX Mastercard. Also, I contacted XXXX Mastercard regarding the alleged account and the attempt by NCA to collect on an inaccurate debt. XXXX Mastercard representative validated that no account was found. On XXXX XXXX, I mailed a validation letter to NCA, response is pending. NCA reporting false information to the credit bureaus is a violation of the Fair Credit Reporting. Attempting to collect on a false debt is a criminal offense. During research regarding NCA, I found numerous complaints from consumers regarding inaccurate negative information applied to he/she credit bureaus by NCA. Also, in NCA settled with the Bureau of Consumer Financial Protection for unlawful collection practices. Applying a false negative account to a consumer 's credit bureaus which has cause an negative financial impact is unlawful. I am requesting this inaccurate information to be removed from all the credit bureaus and accurate account validation from NCA. I am not requesting a fake bill, which is not an acceptable form of account validation. I am requesting a contract with an signature and/or accurate information from XXXX Mastercard. I have attempted to resolve this issue with NCA and all three credit bureaus without resolution.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$740.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$350.00} XXXX. XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$360.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$260.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3400.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$90.00} Inquiry : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Account 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 can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report with both Equifax and XXXX that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. 

Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX & XX/XX/XXXX, XXXX XXXX/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer reports and noticed that there was 3 late payments listed on my account that I was never late paying. Its the consumer reporting agencies duty to report Information as accurate as possible. I was not late on this account. Account name KOHLS/CAPONE Account number XXXX Account type Charge Card. Please investigate and provide proof with statements showing late payments. If proof can not be provided, please remove the late payments from my report. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have one.
Product: Credit reporting or other personal consumer reports

I have filed several disputes with all three of the major credit bureau, XXXX, XXXX and TransUnion. they remove the collection reports from my credit report, but a few mouths after that, they allowed the same illegal and banded collection agencies refile these false reports.
Product: Mortgage

I had a mortgage loan with chase that was originally XXXX of the toxic loans from Washington Mutual. I applied for a loan modification from Chase XXXX times. The last time, I started the process in XXXX, the Customer Assistance Specialist kept asking me for more and more papers, and never sent anything to underwriting, finally at the end of XXXX, they sent it to underwriting and the loan was sold to XXXX. It appears a decision was about to be made and everything stop ... Chase told me that XXXX would continue with the information Chase had given them, but that is not true ... I was told by XXXX that I would have to start all over and provide all information again. 
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.
Product: Credit card or prepaid card

I received a credit card statement from a XXXX credit card under the bank of America for a purchase dated XX/XX/2018. The problem is that I have cancelled this credit card TWO YEARS ago. When I complained to the bank- spoke with XXXX XXXX # XXXX, they also were baffled how this happened but claim that they can put charges through on a closed credit card account??????? 


This sounds like banking fraud!!! if I close an account it is closed and not open forever!!
Product: Debt collection

XXXX XXXX XXXX was contacted on XX/XX/XXXX by certified mail about a settlement on an old credit card debt ( delinquency began XX/XX/2015 ), that Midland purchased from XXXX XXXX.

They have NOT contacted me by mail or e-mail-which I requested to discuss settling this debt.

Midland has sent a negative inquiry to the Credit Reporting Agencies TWICE in the last 21 days on this debt.

I have filed 2 complaints about Midland 's lack of response to my request for a settlement of this debt.

Midland 's response seems to be a malicious attempt to destroy my credit, when I am simply requesting a dialogue from them about a settlement.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Late Payment Reporting for XXXX  XXXX Account Dear Consumer, Financial Protection Bureau, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account, which I believe to be inaccurate and damaging to my credit report. This situation is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and associated regulations, specifically 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 

Recently, I submitted a dispute regarding the late payment reported by XXXX XXXX. Under the FCRA, credit reporting agencies are required to conduct a thorough reinvestigation into any disputes filed by consumers. Despite my efforts, I have found that the late payment continues to appear on my credit report, adversely affecting my credit score and overall financial health. 

The failure of the credit bureau to accurately reinvestigate this matter constitutes a violation of the protection afforded to me under federal law. I have attached relevant documentation, including my dispute correspondence with both the credit bureau and XXXX XXXX, which supports my claim. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance with the law. I seek prompt action to remove this inaccurate late payment from my credit report and to restore the integrity of my credit history. 

Thank you for your attention to this urgent matter. I look forward to your timely response and a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXXXXXX XXXX  from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXXXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession
Product: Credit reporting or other personal consumer reports

I noticed that there still an error on my credit report regarding on my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing 8 negative items. Each item could be substanuated by a police report or letter. Experian still did not delete the items. They do not care what they report. I have sent them police reports dealing with identy theft. XXXX XXXX is still on my credit. dated XX/XX/XXXX. It is XX/XX/XXXX delete it. XXXX XXXX is Identy Fraud. it is dated XX/XX/XXXX. XXXX XXXX was taken off the other two credit bureaus, not Experian. why, they do not care about the consumer.
Product: Mortgage

I received a letter from Homeside Financial saying that the servicing of my mortgage was going to be transferred to Lower XXXX as of XX/XX/XXXX. I was given a number for lower, when i called XXXX there was a recording saying that if I had automatic payments set up, I didn't need to do anything but it may take a few days longer for my payment to be posted. As of XXXX it had not posted so I called the Lower number and was told that the transfer did not occur over the weekend and that it was still with Homeside. Latere that evening I received an email from Lower stating that the transfer didn't go through, but not until well after my phone call to them. I logged on to my homeside account and the payment still had not been posted. I called Homeside ( also on XXXX ) and they submitted the payment for me that was due XX/XX/XXXX and also reset my account to automatic payments. I asked about the interest from XXXX to XXXX and she said she had put a note in the request that I didn't think I should have to pay the interest for 4 days because they stopped my automatic payments. I was told it would take two days to post. As of XXXX my mortgage payment still had not posted, so I called again. I was told it would process that evening. XX/XX/XXXX my payment still has not processed so I phoned again. She said that the payment was just submitted on XXXX and it would take two days to post. I told her that it was submitted on XXXX and not XXXX. What happened to the payment from XXXX? she said that I should have been told it would take 6 days. So why was it 6 days on the XXXX when I called and two days from f the XXXX. I asked her about the interest that has accrued since XXXX and she didn't really answer me but said my posting date would be XXXX. I also have yet to receive any letter from Homeside saying that the transfer of servicing never occurred. I have this week until the grace period is over for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are inconsistent late payments reporting for XXXX, XXXX and XXXX of XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. There also different last active and payment dates reporting for this account between each bureau. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments be deleted from my reports now!
Product: Credit reporting or other personal consumer reports

I did not authorize any companies to pull credit for the purchase of a vehicle. my identity was used and credit was pulled on 21 different possible car loans without my approval
Product: Debt collection

A collection company keeps calling me no matter how many times I ask them to remove my # as I am not the person they are seeking. I have had my phone # for over 20 years. Yet they continue. They will not share the file with me because I can not verify the information, which is because it is not me. They are looking for an XXXX XXXX and my name is XXXX XXXX. I also get the calls multiple times a day, everyday.