23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems ( NCS ) has reported a collection account of {$1000.00} on my credit report despite failing to provide proper validation as required under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

On XX/XX/year>, I submitted a formal dispute and debt validation request to NCS, requesting : - Move-in and move-out inspection reports to justify the alleged damages. 
- Itemized invoices or receipts proving that cleaning and repair charges were performed. 
- Proof that the charges were not for pre-existing damage. 

NCS failed to respond within the legally required 15 days and never provided any of this documentation. Instead, they reported the debt to the credit bureaus without verifying its accuracy, which violates my rights under the FCRA. 

Additionally, these charges stem from unjustified fees by my former apartment complex, XXXX XXXX XXXX. I have attached evidence, including : - Photos & videos showing the unit was already damaged and unclean at move-in. 
- Photos & videos showing I returned the unit in better condition than received. 
- Emails with XXXX XXXX XXXX show they prevented me from settling this balance by restricting my payment methods. 

XXXX XXXX XXXX also mishandled my account by blocking my ability to pay online, falsely adding late fees, and continuing collection efforts without validating the debt. This is deceptive and violates the FDCPA. 

I am requesting that the CFPB investigate NCS for reporting an unverified debt and require them to remove this collection account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Jefferson capital refuses to delete a old account and is continuing to collect on old debt. I've requested verification of debt and they ignore my request
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around XXXX, I ordered a business accelerator course from XXXX XXXX. I can not afford outright. Applied for loan thru XXXX XXXX who referred by to Covered Care. I bought the course for {$7500.00}. When I received the so called course, it was not as expected. I immediately inquired about a refund/reversal of the loan XXXX XXXX refused . Covered Care refused without merchant permission.
Product: Student loan

I have sent 4 emails to EDfinancial requesting a forbearance due to a medical emergency that my child suffered in XXXX. I am asking for this under President Bidens " on-ramp '' program which states " Borrowers who miss their payments between XX/XX/XXXX won't be reported to the credit reporting agencies, nor will they be considered in default. Their loans also won't be sent to collection agencies. '' It also states that borrowers do not need to take action to get into. Having said that, I will not need the full year. I will need until XX/XX/XXXX to pay unexpected medical bills for my son. As I said I sent 4 emails and I have spoken with a customer service rep via the chat feature and that customer service rep is the one who told me to do this. On EDfinancials website it states that emails will replied to in 4-5 business days. My first email was sent XX/XX/XXXX. My chat with the rep took place in XXXX... I believe that EDfinancial is purposely ignoring customer emails so they can pretend that they weren't given ample notice. The " On-Ramp '' program gives a year with no penalty... If I do not receive any response or communication from the business I will take the entire year that the " on-ramp '' program gives me. This is bad business and I will also be reaching out to the Department of education with this same complaint. Here is a link to more information on the " on-ramp '' XXXX XXXX XXXX
Product: Checking or savings account

Somebody opened up an account under my name with my bank and transferred my savings which came out to {$85000.00} onto their account
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Product: Consumer Loan

XX/XX/XXXX, I was contacted by SpotLoan about {$800.00} dollar loan. I verbally said yes. In haste I did n't understand how high the interest was. 

The percentage on repaying is 228 %. Sine XX/XX/XXXX, I have paid the {$800.00}. But now I will be paying {$40000.00} until XX/XX/XXXX. 

I receive XXXX in the amount of {$1200.00} per month. I receive SNAP in the amount of {$16.00}. My rent {$560.00} per which includes some electric and cable. 

As of XX/XX/XXXX I a paying the high interest, which I can not pay. Due to the low amount of food stamps, I used part of my XXXX, for food, medicine, and supplies. 

Plainly, I can not afford to pay {$400.00} until XX/XX/XXXX! 

Can you please help me?? .y Controller of Maryland told me to contact your group.
Product: Checking or savings account

XX/XX/year> XXXX direct deposit was sent to my Capital One checking account on the XXXX I did not receive it on the XXXX I was advised I would receive it by XXXX pm est at XXXX pm the bank released a statement advising that there is a issue and it started on the XXXX and should be resolved by end of day which it hasnt or the early morning. At this time funds has still not been deposited.
Product: Vehicle loan or lease

I am filing a formal complaint against Flagship Credit Acceptance regarding their mishandling of the payoff and lien release for my late cousin 's vehicle. As the executor of her estate, I have been dealing with this issue for over two months, with no satisfactory resolution in sight. 
Here are the details of my complaint : XXXX. Initial Payment and Confirmation : On XX/XX/XXXX, I contactedFlagship Credit Acceptance and spoke with a representative named XXXX. I was given a payoff amount of {$7000.00}, which I promptly paid. The confirmation number for this transaction is XXXX. XXXX assured me that this payment would settle the account, and I would receive the lien release shortly there after. Based on this information, we sold the car to a family friend. 
2.Failure to Provide Lien Release : Despite the payment, I have not received the lien release. I have made multiple follow-up calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. Each time, I was told that I needed to speak with a supervisor, and each time I was given incorrect call-back times, resulting in further delays and frustration. 

XXXX. Additional Payment Demand : Recently, I was informed that XXXX had quoted the wrong payoff amount and that an additional {$240.00} is due. Although I believe we should not be responsible for this discrepancy, I attempted to pay this amount to expedite the lien release. However, I was then told that a payoff letter would need to be emailed to me, which would take at least three business days. 

4. Ongoing Issues and Impact : This delay is causing significant issues, as the new owners can not obtain tags for the vehicle, and the car will soon require another inspection, incurring additional costs. The lack of responsiveness and the contradictory information provided by Flagship Credit Acceptance has been extremely stressful and inconvenient. 

Desired Resolution : I am seeking immediate action to resolve this matter. Specifically, I request that Flagship Credit Acceptance Provide the lien release immediately. 
Address the miscommunication and mishandling of my account. 
Ensure that no further payments are required beyond what was initially quoted and confirmed. 
If this issue is not resolved promptly, I will have no choice but to pursue legal action to protect my rights and the interests of the estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been setup on auto pay for our best buy credit cards for years and they recently debited the wrong bank account that has been closed for a long time. We have our correct bank account as XXXX XXXX setup as the default bank account. They don't know how the wrong bank account got debited and they reported to the credit bureau as a late payment even though they waived the late payment fee based on their error. They are stating there is nothing they can do. This has effected out business and personal matters a great deal. We have been a best buy card holder for years and never had a late payment. Also we were never notified by phone, email or anything otherwise we would have taken care of the late payment. They were extremely difficult to work with. Please if you can get this negative late reporting off of my credit score as a result in their error not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian Credit Bureaus have reported a charge off from XXXX XXXX with inaccurate dates of last reporting and last date active : XXXX EXPERIAN last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.
Product: Credit reporting 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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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, XXXX, XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charged the statute of limitations. You falled to investigate this account properly and your neglect has violated my rights. I am demanding a deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company & they could not give me any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inclusion of certain information in my credit profile. It appears that there may be inaccuracies, and it is essential to ensure that credit reporting laws, which mandate the reporting of entirely accurate credit information, are upheld. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XX/XX/XXXX - Original Creditor : XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. Equifax is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XX/XX/XXXXdata breach and may have gone into the wrong hands.
Product: Credit reporting or other personal consumer reports

Account Number XXXX : XXXX Identification No : XXXX Account Number XXXX : XXXX Loan Amount : {$87000.00} XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to disagree with the previous results of the investigation I dispute the account listed below, which remains on my credit report despite your prior investigation. I request an immediate reinvestigation, as the inaccuracies are seriously impacting my credit score. 

Account Name : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request the names and business addresses of each individual involved in verifying this account. This information will allow me to follow up appropriately.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX .... Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my credit report, someone tried to open a credit card under my name and was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681.they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts 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: Debt collection

I called Midland credit and requested the original signed contract and pymt history. They never provided me with any information. Midland credit is negatively reporting on my credit reports and with the incorrect balance. This debt should have NEVER been sent sent to them. I am currently paying with the original company ( XXXX XXXX ). The balances are incorrect and I am paying on time and as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy.

Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. 

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

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Product: Debt collection

On XXXX XXXX, 2016 I had contacted Professional Choice Recovery and asked to pay my collections debt off in full. At that time I was given the balance. I then gave permission to withdraw the entire balance from my checking account. Since I called on a Friday afternoon, PCR stated they would pull it the next business day. I then confirmed that no other payments would be required and my account would in fact be paid in full. PCR confirmed. On XXXX XXXX, 2016, I had two amounts withdrawn from my account. I was then under the impression my account was in fact paid in full. 

On XXXX XXXX, 2016, I received a call from PCR stating there had been a clerical error and that I still owed another {$230.00} and asked how I would like to pay that. They stated that they ran the payment for {$230.00} less than what they should have and I needed to pay on behalf of their error even though it was confirmed by PCR that my account was paid in full after my XXXX final payment.
Product: Credit reporting or other personal consumer reports

A hard inquiry by CAPITALONE dated XX/XX/22 appears on consumer reporting agencies reports. No disclosures were given for this hard inquiry.