23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC in regards to unrecognized inquiries on my credit reports. The inquiries in question are : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by National Credit Systems. The credit bureaus asserted that NCS had verified the debt. 

In my request to NCS, I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. NCS provided a response dated XX/XX/2020, for which I am just receiving, ( see attached ) and stated they did not have sufficient information to validate my claims. My letter was very specific. The mere fact that National Credit did not provide documentation that bore my signature, but only an arbitrary document reflecting arbitrary numbers is not sufficient. They failed to provide copies of any correspondence that should have been sent to me -- -which further justifies my position in them violating my consumer rights. This is a stall letter tactic National Credit Systems provided. 

My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. 

They did not provide any documents that reflected a complete accounting of the alleged debt. National Credit Systems inserted this  unverifiable, inaccurate entry on my report without providing me opportunity to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. National Credit Systems must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them, why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity and thus places and proves the doubt I have on the validity of this debt. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Debt collection

On XX/XX/21 ECHANCED RECOVERY CO L, Flagged my credit reports, Damaged my FICO SCORES UNLAWFUL! I have not run my credit except for of me in the process now to buy a home, this wasnt on my credit up until XX/XX/21! 


They are illegally reporting something that i complaints to you guy about before! 

Suspect & Company information : Name : Enchanced Recovery Co L Address : XXXX XXXX XXXX, XXXX fl, XXXX Phone : ( XXXX ) XXXX XXXX Victim information : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX Phone : ( XXXX ) XXXX Im a responsible individual and Im ignorant about this false claim of {$950.00} and need it off my credit report Asap. I cant provide any other information because i am ignorant. to give because I dont have any knowledge! 

It is illegal to damage someone credit wrongfull! 
I need it gone off my Credit report asap!
Product: Debt collection

I leased a house rental property lease dated XXXX/XXXX/2016 and I terminated early because I lost my job and had to relocate for a new XXXX. Although not a reason to justify early termination, Under Texas XXXX ( XXXX. XXXX. XXXX XXXX. XXXX ), " if you do n't have a legal justification to break your lease, your landlord must make reasonable efforts to re-rent your unit -- no matter what your reason for leaving -- rather than charge you for the total remaining rent due under the lease. You need pay only the amount of rent the landlord loses because you moved out early. This is because Texas requires landlords to take reasonable steps to keep their losses to a minimum -- or to " mitigate damages '' in legal terms. '' I moved out on XXXX XXXX, 2016 but paid rent for XXXX 2016 ( through XXXX/XXXX/2016 ). I notified the property management firm on XXXX XXXX, 2016 that I vacated the property and to please re-lease it. The property was listed for rent by the property management firm on XXXX XXXX, 2016 and was successfully leased beginning XXXX XXXX, 2016. I should not owe any rent money for breaking the lease since it was rented immediately and there was no loss of income. 

Since the property management firm re-leased the property immediately, all I would be responsible for is the amount of time the unit was vacant, which was already paid by me when I paid XXXX rent. 

Now I have a collection agency trying to collect a debt of {$16000.00} which in my calculations is the remainder of the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX REPORTED BLANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX BALANCE REPORTED {$580.00} : XXXX XXXX, XXXX Charged off XXXX XXXX XXXX REPORTED {$580.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX  XXXX XXXX REPORTED {$190.00} : XXXX XXXX, XXXX Charged Off XXXX XXXX  XXXX XXXX XXXX REPORTED {$520.00} : XX/XX/XXXX XXXX XXXX - XXXX XXXX REPORTED {$1900.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$260.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$1000.00} : XX/XX/XXXX Charged off XXXX  XXXX XXXX XXXX XXXX XXXX REPORTED {$110.00} : XX/XX/XXXX Charged off XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} : XX/XX/XXXX Charged Off XXXX REPORTED BALANCE {$240.00} : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Westlake portfolio management is the company I'm having issues with regarding my XXXXXXXX XXXX XXXX  I got in XX/XX/XXXX the original purchase {$17000.00}, I have paid way over this amount in the tune of {$24000.00} and counting as they are saying after a repossession of the vehicle in XX/XX/XXXX I gave the {$1100.00} for recovery fee, they have put on the credit report XXXX owe {$2200.00} and want me to sign another lease agreement charging me to pay off the vehicle in the remaining amount {$3800.00} {$240.00} biweekly
Product: Debt collection

My client requested our services to help them with credit reporting errors and debt collections. My client had submitted a fax through our office for a collection activity from Convergent Outsourcing. This letter was sent on XX/XX/2021. Please see fax confirmation and letter attached. 

As of today XX/XX/2021 my client still has not received a response as allowed under the FCRA. Under the FDCPA regulations the collection company Convergent Outsourcing is in violation for failure to reply to my clients lawful request. 

This incorrect reporting is causing damage to my clients credit on all three credit bureaus. 

on XX/XX/2021 my client called Convergent Outsourcing at XXXX. Customer service representative claimed they could not find his information when giving his last four numbers of his social security number, last name, phone number. Than the representative just hung up on him once requesting why no response since sending his letter on XX/XX/2021.
Product: Credit card

Sometime in XXXX or XXXX I lost my card not sure where or when exactly as I don't use the physical card often as I usually use my phone 's tap to pay or online. I reported my card lost around XX/XX/XXXX and I noticed the fraud charge while checking my statements around the same time which was made on XX/XX/year> at a XXXX 's of {$350.00}. I reported the charge as fraud since I didn't make the purchase. Chase processed my claim and denied it a week or two later in XXXX. I called again and ask them to investigate my claim as it wasn't me. They supposedly did an investigation and denied the claim again in the month of XXXX. My last call with them was on XX/XX/XXXX in which they explain their decision by saying that there was no evidence that it wasn't me who made the purchase and requested receipts or similar proof to show it wasn't me. I explained that this was an unreasonable request as I don't have any receipts or able to obtain any proof they are looking for. They explained there was nothing else they could do. It is unacceptable that a credit card company doesn't honor their fraud policy and requests such a high degree of evidence that is borderline impossible to get.
Product: Checking or savings account

I wired transfer to XXXX XXXX XXXX, XXXX XXXX bank form my XXXX other banks on XX/XX/XXXX which wired all same day. 
The beneficiary XXXX XXXX 's account had problems unknown wires, her bank made hold her account for more than XXXX months until now. 

So she said I can recall all these {$100000.00} from my bank and I did to all XXXX on XX/XX/XXXX. 
later on XX/XX/XXXX, I found it out all these wire transactions were fraud and I reported to all XXXX banks and asked recall and refund my money to my account which I wired from XXXX XXXX Bank {$40000.00}, Chase bank {$40000.00} and {$20000.00} from XXXX Bank. 

I received these recall from XXXX {$40000.00} and XXXX Bank {$20000.00} on XX/XX/XXXX except Chase bank {$40000.00}. 

I requested more than XXXX times to the Chase bank for investigation this wire transaction from XX/XX/XXXX contineouly. 
However the Chase only reply same answered as like this, Message received from receiving bank on XXXX WE HAVE MADE EVERY EFFORT TO CONTACT XXXX ( Beneficiary ) FOR DEBIT AUTHORIZATION BUT, HAVING MET WITH NO SUCCESS TO DATE, NOW CONSIDER XXXX ( Beneficiary UNREACHABLE. 
WE ARE, THEREFORE, UNABLE TO COMPLY WITH YOUR REQUEST. 

I talked to XXXX XXXX Bank about when the Chase was requesting my recall {$40000.00}, XXXX XXXX said the Chase only requested on XX/XX/XXXX not further reuqested even I contuneouly requested to Chase to search and reopen the case. I want to refund my money back before this fraud beneficairy took my money. I notified to Chase to contact directly to beneficiary so many times that XXXX 's account will closed on XXXX XXXX. 

Finanlly I received from the Chase bank that We received a swift message from XXXX XXXX BANK, XXXX. 
on XX/XX/XXXX stating please be advised we are unable to comply with your request due to no funds available. Please have remitter contact proper authorities. We close our file. 

I have been romance scammed since XXXX XXXX, XXXX until XXXX, I, XXXX, XXXX XXXX lost. 
I reported to XXXX XXXX police deportment, case # XXXX and XXXX Department of Justice XXXX XXXX XXXX. 

The Chase bank was neglegent my reuqest for recall this fraud transaction. 

I complaine this case and verify Chase neglegency. 

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

The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity TransUnion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance TransUnion is reporting {$440.00}. XXXX is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened TransUnion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit TransUnion is reporting {$230.00}. XXXX is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX DOB XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, ND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I stop attending classes because I had personal issues during the yearXX/XX/XXXX,  since then I stopped assisting to my classes, and they continued to charge me until now the date XX/XX/XXXX. I only finished 21 credits which is in my opinion a theft and a dishonest way of handling a student support in financial and personal matters.
Product: Debt collection

Over XXXX XXXX XXXX there have been repeated incidents of an unknown individual banging on my door while I was not at home. Each time, my son, who is under XXXX XXXX XXXX, was home alone and became very nervous and scared due to the persistent behavior of this individual. 

- **First Incident** : ( XXXX XXXX ) The man knocked on the door when my son was alone. My son did not open the door as he is instructed not to. The man refused to leave when my son asked for his identity and purpose. The man insisted on speaking with me and demanded that someone open the door, stating he would not leave until then. 

- **Repeated Visits** : This scenario repeated multiple times. Despite my son informing the man that he is under XXXX and can not open the door, the man insisted he sounded older and continued to refuse to leave. 

- **Final Incident** : ( XXXX XXXX ) On the most recent occasion, my son called me again, very nervous and upset by the man 's refusal to leave and persistent banging on the door. I instructed my son to answer the door. I then spoke to the man over the phone, informing him that I was not home and would be back later. The man claimed he had the authority to serve a minor and insisted my son appeared older than XXXX. Despite being told my son is only XXXX XXXX XXXX, the man handed him paperwork and left. 

I reached out to the debt collector law firm to discuss recent events and seek clarification on several points. During our conversation, they informed me that, in the state of Arizona, it is legal for a minor to be served with legal documents. 

I also requested debt verification and confirmation of the service. They assured me that they would email the necessary information. However, I did not receive any follow-up communication or documentation as promised. 

On XX/XX/XXXX, I received a letter from the law firm stating that I have 10 days to resolve the matter. This was the first contact since our initial conversation, and I am concerned about the lack of prior communication and the short notice provided in the letter. 

This behavior has caused significant distress to my son and raises serious concerns about the methods employed by the individual. Immediate attention and action are requested to address this matter appropriately.
Product: Student loan

Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than XXXX XXXX XXXX. I have been trying to have my loans forgiven per the XXXX XXXX forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}
Product: Debt collection

I attended XXXX University online using my post XX/XX/XXXX GI bill. I filled out the proper forms with the schools VA Representative to be sent for validation by the VA education department. The school allowed me to attend the spring  semester of XXXX and never informed me that there was an issue with my funding from the VA. Recently I was contacted by Ability Recovery Services from which I replied by mail with a debt validation letter. In turn they immediately sent another letter stating I failed to respond and that I had ten days to give them {$4100.00} or adverse actions would affect my credit. 
The company has been reported to the States Attorney General and now I am filing a complaint with you. This debt is between the school and the VA. Evidently my correspondence with Ability Recovery Services LLC XXXX. XXXX XXXX XXXX, PA XXXX was not enough to have them investigate who the debt belongs too. Their telephone number is ( XXXX ) XXXX EXT XXXX Attention XXXX XXXX.
Product: Student loan

I am behind on my private student loans from Sallie Mae, and I believe they are not working in good faith with me to ensure I can pay back the loans. In order to obtain forbearance, I must have my cosigner report every single asset to them, with the possibility that this will actually increase the monthly payments that I already can not afford. Secondly, if I am approved for forbearance, I must pay a {$50.00} fee per loan per month of forbearance that is not in any way applied to my loans or interest accumulated during that forbearance. This is not only unfair and counter-intuitive to the process of forbearance, I believe this is an extortionate practice aimed at discouraging me from using this process and simply accruing late fees and negative marks on my credit. 
There must be something that can be done other than have money I already do not have thrown away on a fee that does nothing to help me save money and maintain my obligation to this loan
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX