23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX NCB MANAGEMENT SERVICES XXXX XXXX XXXX . 
XXXX , PA XXXX Dear NCB Management Services , I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. Additionally, I request the deletion of all my information from your systems due to Kelly v. NCB Management Services Inc., No. 23-cv-927, complaint filed ( M.D. Pa. XXXX XXXX XXXX ). The complaint, filed on XX/XX/XXXX in the U.S. District Court for XXXX XXXX XXXX of Pennsylvania, alleges a data breach at NCB Management Systems Inc. exposed the personally identifiable information of as many as 1.9 million people. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation. 

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

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

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE FRAUDULENTLY OPENED THE FOLLOWING INQUIRIES IN MY NAME IN ORDER TO OBTAIN CREDIT FOR A CAR LOAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/ XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, am acting on my own as a natural person and consumer.

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below. IMMEDIATELY! 
ADDRESSES NAMES ACCOUNTS COLLECTIONS INQUIRIES These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX ' XXXX XXXX . UCC 1-308
Product: Checking or savings account

On XX/XX/20 I received a debit card from a bank unknown to me, Comerica Bank. I immediately contacted the bank requesting to speak with someone in the fraud department. After many hurdles, I finally spoke to XXXX at the bank 's fraud dept who advised the debit card sent to me at my home address was under review and being closed. Addtionally, on Saturday, XX/XX/20 I received a slew of mail from Comerica Bank for two overdrafted accounts ending in XXXX and XXXX. On Monday morning, XX/XX/20, I called the Comerica 's Fraud Dept again and spoke with XXXX regarding the unauthorized opened accounts. I was told the account was opened on-line and that this would negatively impact my credit if I do not submit payment. I requested the on-line application and any other information used to open the accounts with the bank. XXXX said Comerica can not provide that information. I then spoke with XXXX at Comerica 's Quality Control Dept., who said the account was opened on-line on XX/XX/20 and that he is not able to provide any information concerning the accounts to me other than what is owed. Comerica refuses to investigate the online accounts they established. Comerica refuses to provide information to me filed under my name. Comerica insist on filing report to Credit Bureaus if payment is not received. I have never heard of Comerica Bank until now, and did not open these accounts. XXXX  provids credit protection for a monthly fee to me. XXXX  security breach was compromised a few years ago and my private information has been exposed. A freeze on my credit has been and continues in place with all three Bureaus :  XXXX, XXXX, XXXX XXXX. XXXX advised that during the COVID Pandemic, accounts are opened on-line, that the bank can not foresee fraud and accept on-line applications when information is provided ; that a credit check is not required to open accounts on-line. This is extremely dangerous. My excellent credit is now at risk and Comerica staunchly refuses to investigate the validity of the unauthorized, on-line accounts they have fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX PA ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 


EQUIFAX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 

XXXX XXXX XXXX Also known as : XXXX, XXXX Current Address : XXXX XXXX XXXX  XXXX, PA XXXX XXXX/XXXX Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Employers : XXXX XXXX XXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  PA ) XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} Date Opened : XX/XX/XXXX -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX  XXXX XXXX, you MUST delete this immediately.
Product: Credit card or prepaid card

Upon submitting credit card application with Capital One after I was pre-approved on XX/XX/2021. On that day, I received an email from Capital One requesting me to upload documentation of verification of myself without processing the application on file. Due to Capital One failed to process my application that day, therefore I call them and requested them to disregard my application due to failure to process my application and for them to remove the hard inquiry on my credit report. Capital One failed to do so that day.
Product: Credit reporting or other personal consumer reports

Re : DEMAND FOR DELETION OF BANKRUPTCY REPORTING To Whom It May Concern : I am writing to formally demand the immediate deletion of a bankruptcy reporting from my credit report, as your agency has no legal or factual basis to continue reporting this information. Courts do not report bankruptcy information directly to credit reporting agencies, and inquiries with XXXX and XXXX confirm that they do not furnish such data to you. 

Your continued reporting of this information is both erroneous and a violation of consumer protection laws, including but not limited to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates that all data reported must be accurate, verifiable, and not misleading. 

This inaccuracy has caused me significant harm, including emotional distress, denial of credit, and the inability to secure essential resources necessary for daily life. The FCRA entitles me to demand that you verify the accuracy of the information in question. As you can not validate its accuracy through permissible sources, you are legally required to delete this erroneous data under XXXX XXXX. XXXX. 

Furthermore, your continued negligence in maintaining the accuracy of your reporting demonstrates a reckless disregard for your obligations under the FCRA. This is especially egregious as you have been notified that no valid source, including the courts, directly furnishes the data to you. 

I must remind you of your liability for both compensatory and punitive damages for willful non-compliance under XXXX XXXX. XXXX. If this matter is not resolved within [ XXXX ] days of your receipt of this letter, I will have no alternative but to seek judicial relief, including filing a lawsuit for emotional distress and other damages caused by your unlawful practices. 

This letter also serves as notice of my intent to pursue all remedies available under the law, including a jury trial, if necessary, to enforce my rights. 

I demand written confirmation of the deletion of the bankruptcy reporting from my credit file within the specified time frame. Failure to comply will result in immediate legal action.
Product: Mortgage

National Default Servicing Corporation ( NDSC ) made material intentional misrepresentations as to their relationship as it relates to my home loan mortgage account and foreclosure processes. 
NDSC provided written documents originating from them in which the affixed the XXXX XXXX XXXXXXXX XXXX at the top giving the appearance the correspondence originated from XXXX XXXX XXXXXXXX and not NDSC. Within the correspondence, NDSC stated it had been retained by XXXX XXXX XXXXXXXX to collect on a delinquent mortgage debt prior to XX/XX/XXXX. Neither NDSC nor XXXX XXXX XXXX has provided any written documentation confirming NDSC a Trustee relating to foreclosure processes to date. 
Upon receipt of correspondence from NDSC prior to XX/XX/XXXX claiming any connection to my home loan mortgage debt was unclear and incorrect. I actually believe this correspondence to be a scam of some sort as I was still pending in the modification process at the time of receipt. On XX/XX/XXXX, I was approved on appeal for a MHA HAMP TPP. However, I had not been offered the MHA HAMP TPP acceptance package at the time of the NDSC correspondence. As dual tracking is prohibited under California law, debt collection processes, including foreclosure, can not begin or proceed. 
All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.
Product: Money transfer, virtual currency, or money service

The Truth in Lending was not followed by the Company, when asked if my final settlement pay ment I was informed that my Installment Loan, had turned into a Payday Loan and was due in the amount of {$1400.00}. I am not able to sustain this amount of money at One time. They were not concerned that I am A XXXX, XXXX years of Age.
Product: Credit card or prepaid card

I had originally lost my credit card and reported fraud for transactions that I did not authorize ( XX/XX/XXXX ). For some reason, transactions dating from XXXX  months back were also reported as fraud, causing me to lose business from multiple merchants. After attempting to resolve the issue multiple times during the course of the next XXXX  weeks with my bank, I still owed XXXX on the credit card. This amount was very incorrect and the customer service representative at the time agreed and reassured me multiple times that I would be receiving a check for the amount of XXXX so that I may manually deposit it and use the funds to pay off most of the amount owed on the credit card. Unfortunately no check was ever received and after contacting the customer service line again on XX/XX/XXXX, the case was escalated to the customer advocacy group and made it clear that I had not received the check and also repeating various times that I could not afford to pay the amount owed. For some reason, Wells Fargo forcefully removed XXXX from my savings account to pay the amount owed on my credit card. In no way shape or form did I ever authorize the transfer to be made but it was. I appreciate your time and help with this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT EDXXXX XXXX Balance : {$310000.00} ; XX/XX/XXXX XXXX Balance : {$440.00} ; XX/XX/XXXX XXXX Balance : {$1200.00} ; XX/XX/XXXX XXXX Balance : {$590.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$500.00}
Product: Credit reporting

I have paid XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects that but the other still shows as not being paid. I also paid off the receivable account for {$290.00} in XXXX also.
Product: Checking or savings account

I opened a 360 checking account with Capital one on XX/XX/XXXX. On XX/XX/XXXX I recieved an email from capital one stating that they've decided to close my account because they observed activity that was inconsistent with their terms and conditions. In the email they failed to mention the exact activity they observed me doing that violated their terms and conditions. In that same email I was told that a check will be mailed to my address on file within 7 to 10 business days. We are XXXX business days in and I still haven't recieved my check from them. I called their customer service line to speak with a representative and I was told that my account is under investigation and after the investigation my check will be mailed to me. In the email I recieved from them on XX/XX/XXXX they failed to mention an " ongoing '' investigation regarding my account. I honestly regret banking with them because they don't care about their customers and ive came across several customers of theirs on social media who had gotten their accounts closed without cause also. Legally, a bank must return any funds in your account, if they decide to close your account with them and I would like my check. Capital one has a big history of dishonesty with their customers and I don't trust them to honor the 7-10 business they say that they will take to send me my check.
Product: Credit reporting or other personal consumer reports

Ive uploaded documents several times as well as mailed in communication to have this fraud alert removed from my file. I never asked for this to be placed on my consumer report.
Product: Mortgage

Around 7 or 8 years ago we were struggling with our mortgage. With JP Morgan Chase I was going through medical issues. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We tried making arrangements to fix the issue and explained my issues and why we fell behind. I talked to a lady by the name of XXXX or XXXX. She automatically starts telling me she did not care what I was going through and that I trash and should borrow money to pay it. I tried calling back to see if I could get someone else to make arrangements. 
I had no luck they wanted a large sum of money then I could make arrangements after that. I tried for months, and the amount kept growing. Shortly after the first few calls to try and fix this, I start getting calls from XXXX on a daily basis calling me names and yelling at me. Then it got worse. I start getting calls from a private number all hours of the day and it was her. she was saying my house was going to be taken from me and I had a month to get out. 
Finally, my husband decided to borrow from his XXXXXXXX XXXX to pay this large sum of money. 
We just couldn't get help from them and when I called to talk to managers they would direct me to her. when we paid this I was told they would drop my mortgage rate down to help with future payments and that they did. She sent me paperwork to sign and we sent it back. We were also told it would not change the length of my mortgage. We were told our last payment would be XXXX of XXXX. Shortly after our mortgage was sold. we have been great with paying our Mortgage since then. XX/XX/XXXX came and went, and I still was getting bills. We called our current company, and they told us are mortgage was till XXXX or XXXX. I forget which one and don't have the bill Infront of me. We have been paying this since XXXX and still owe the same amount. We would NEVER EVER ask to pay till then we would dead. So we keep paying because the current company said they can't help us. But told us to put in a complaint because we did pay and the rate was dropped and they put years on and that they should not have done. Please help tell me what I should do.
Product: Credit card

I am writing to file a complaint regarding a closed account that remains on my credit report, which I believe should be removed. Despite my efforts to resolve this directly with XXXX the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

Citicards Cbna has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Citicards Cbna has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective or removal action. 

Citicards Cbna XXXX XXXX {$8700.00} Open Date XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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: Debt collection

They have tried calling me at work 3 or 4 times today. I have hung up once and refused the call twice because they can not even pronounce my name properly so I know they do not know me.
Product: Debt collection

This Debt appeared my personal file and i do not know of this company trying to collect, this the amount of {$580000.00}, this Debt is not mine.
Product: Credit reporting or other personal consumer reports

Previous request denied- not enough docs. New request dated XX/XX/2024 via USMail has not produced the information despite 30 days-with all docs required, for the C.L.U.E REPORT, WITH CODES- 0131 ; 0161 ; 0911 ; 0126 for Denial Home Insurance by XXXX XXXX XXXX . 
Personal info : SSN ; DOB ; Phone # ; US Passport ID, Utility Bill with Name & address. 

Note : This Mail was never returned as Undelivered, Unknown. 

Lexis-Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXX Case # XXXX Consumer # XXXX NCF Ref : XXXX
Product: Mortgage

Us bank My police insurance at home cover it is for XXXX and usbank force me increase my cover insurance for amount due at home loans XXXX Because my home market value increase They added to my monthly payment they own insurance from my regular payment XXXX they increase toXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute letter to Equifax on XXXX. As of today never received any correspondence or notice of dispute from Equifax. I disputes unauthorized inquiries in my credit file. Moreover, filed dispute with all the furnishers of the unauthorized inquiries and I have not received any correspondence or notice of dispute being processed.
Product: Money transfer, virtual currency, or money service

Making a XXXX XXXX  account. Trying to link my bank account to the app and pnc wont let me
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.
Product: Credit card or prepaid card

Around XXXX XXXX XXXX I went to the gas station near my house, hours later, i received an email stating that there was a suspicious activity. Called them and was confirmed that my card was lost and that someone used my card at a XXXX in XXXX XXXXXXXX XXXX for around {$490.00}. They denied the claim because they stated that I had purchased at XXXX in the past. Their response is pretty much saying because I have had a relationship with the merchant in the past, it must be me who made the purchase. They didn't provide any documents that support any proof that I made the purchase.