23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint against National Credit Systems , IncXXXX located in XXXX This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, National Credit Systems , Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. They have not provided me with a copy of a contract, bearing my signature, showing that i have to pay them this alleged debt. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted by Experian. Please delete the following accounts and ANY and ALL inquires associated with the accounts. XXXX XXXX  with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, US Dept of Education with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$1200.00}, XXXX XXXX with a balance of {$2000.00}, XXXX XXXX with a balance of {$3700.00}, XXXX XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$7000.00}, XXXX XXXX with a balance of {$3400.00}, XXXX XXXX with a balance of {$1900.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX XXXX with a balance of {$7100.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXXXXXX Hard inquiry from XXXX XXXX requested on XX/XX/XXXXXXXX Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX  requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX requested on XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry from XXXX Insurance requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX  via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against JPMC Bank and received a notice from this agency stating the company let you know it was unable to respond to my complaint due to pending or prior litigation. I recently withdrew my Motion against Chase and I would like for you to move forward with the investigation. Please provide me with laws and statues indicating you are unable to investigate my claim due to pending litigation. I thought you were to investigate criminal activity regardless. 

Again, I filed a Motion to withdraw the case on XX/XX/2023 and notified the Court and chase of this fact. Please move forward with my complaint. Thank you!
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that I did not authorize. I have not applied for any accounts and XXXX not sure why these accounts are reported on my report. I have not given anyone permission to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} CB XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX mixed file with my sister. Contacted them several times but they arent able to fix the problem and its causing me problems when trying to apply for a credit card. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in a leased vehicle in XX/XX/XXXX. All payments made on time and nothing was owed. I was given a new lease ( XXXX XXXX XXXX XXXX that was financed through the same leasing company ( XXXX XXXX and was always in good standing and again, never late. The credit bureaus keep reporting that i was late with a payment in XX/XX/XXXX on the XXXX XXXX. This is not possible because the lease was turned in in good standing in XX/XX/XXXX and never late. XXXX sent me a letter reflecting XXXX  balance and sent the same info that I was never reported late on this account. Please help fix this problem because my scores were over 700 until this! The bureaus keep putting me late on this old XXXX account, XXXX XXXX on a XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, Wells Fargo is charging me for litigation fees they have incurred based on a violation by the XXXXXXXX XXXX XXXX XXXX. The problems are as follows : - the XXXX XXXX XXXX XXXX violation was resolved by myself in XX/XX/XXXX. My correction was accepted by the XXXX XXXX XXXX XXXX and there were no associated costs or penalties. 
- the first charge from Wells Fargo was in XX/XX/XXXX ; AFTER I had resolved the issue. 

- the first time I was informed by Wells Fargo that I was being charged for litigation fees related to this violation was XXXX XXXX. In this letter, Wells Fargo stated that the case was " still open '' and therefore they could not tell me the amount to be charged to me. Keep in mind, I had already resolved/ corrected the violation in XXXX and the case was closed with the XXXXXXXX XXXX XXXX XXXXXXXX . 

- On XX/XX/XXXX, Wells Fargo again wrote a letter but this time stating that the case was " now closed '' and sent me charges totaling {$630.00}. 
- I called and wrote to Wells Fargo about these charges and provided evidence that this issue was resolved in XXXX. 

- On XX/XX/XXXX, a Wells Fargo letter stated that I must pay their fees because my mortgage agreement holds me accountable for claims against the property. However, there were no claims or violations against the property at the time of the charges. Further, the dates of charges on the letter had errors and I again wrote to them. There was a new charge on this new correspondence which dates back two years for " attorney fees. '' - In a new correspondence, Wells Fargo again closes my case on the basis that the mortgage agreement holds me accountable for charges related to claims on the property. They failed to explain why one charge was dated back to XXXX. I still do not understand why I am responsible for costs that were incurred AFTER an issue was already resolved? 
This is unethical and unjustified.
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me XXXX XXXX XXXX  - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX us code XXXX - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 


XXXX XXXX XXXX XXXX  - 15 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete. - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly XXXX XXXX XXXX 15 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete. 

XXXX XXXX XXXX XXXX  - 5 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete. - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly XXXX XXXX XXXX XXXX - 15 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete. - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX code XXXX - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly XXXX XXXX XXXX XXXX XXXX  - 15 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete. - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX us code XXXX - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly
Product: Checking or savings account

On XX/XX/XXXX I walked into Chase Bank on XXXX XXXX XXXX in XXXX XXXX, CA and deposited a check into my checking account in the amount of {$5000.00} from State of California XXXX XXXX. After depositing the check I asked the teller when would my funds be made available and was told within 24 hours. The next day on XX/XX/XXXX, I called to inquire about the hold on the check that was deposited on XX/XX/XXXX and was told that I would be able to access my funds on XX/XX/XXXX. This morning when I called once again asking about the release of the check the treatment I experienced was rude, condescending, and demoralizing. I am now being told that I would be lucky if I receive access to my funds by the end of next week. I explained that this check is for my Workers Compensation and that I will not start receiving my CA XXXX XXXX checks until next week and that I am in desperate need of food and have to pay my rent. Unfortunately, the staff that I spoke to at Chase Bank were cold and demeaning instead of understanding and did not try to find or offer resolutions. This country is still in the middle of a pandemic and people are struggling financially and I am one of those people. I am permanently XXXX due to a horrific workplace injury and struggle with XXXX and XX/XX/XXXX as a result. Had I known that my depositing a check from the State of California into my personal checking account would not only further increase my my XXXX andXX/XX/XXXXbut also lead to me starving and not being able to pay rent, I would have resorted to paying exorbitant fees to a check cashing business. Please assist me with accessing my funds.
Product: Student loan

My student loans were in default due to my inability to repay and Navient 's refusal to enroll me in an income-based repayment program. My credit report shows that my first missed payments on all of my student loans occurred in XX/XX/XXXX, but I had been in contact with Navient since XX/XX/XXXX regarding my high payments. Flash forward to XX/XX/XXXX-XX/XX/XXXX. Navient was calling me and my cosigners at least 10 times a day, even though I told them that I work as a teacher and could not receive phone calls at work. I am a teacher and will lose my job if I answer my cellphone while teaching. I stopped answering their phone calls because they had sold my account to collections and refused to work with me. My parents signed off as cosigners, which was never presented as an option to me, by paying {$540.00} on XX/XX/XXXX, {$22000.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. I was also enrolled in the Three Pay Plan to bring my account current. I made three payments of {$100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have continued to make payments of {$120.00} since that date ( XX/XX/XXXX & XX/XX/XXXX ). I do not know who owns my debt at this point. According to my XXXX  credit report, I have 51 missed payments to Navient, including a payment on each loan in XX/XX/XXXX. My online Navient account says that I still owe them {$1000.00} with a past due amount of {$620.00}. I do n't understand how this could be true since my credit report states that I 'm current, and they continue to auto debit a total {$120.00} each month. They no longer call me, but I 'm afraid that they will start up again because I do n't even know who owns my debt anymore. They have destroyed my credit and made me regret becoming a XXXX. I have included as many dates as I can still access, but this has been a constant back and forth since XX/XX/XXXX. Why was I never told that I could get a cosigner waiver? Why was I told that I did n't qualify for income-based repayment despite having an XXXX of under XXXX and a student loan payment of over {$600.00} each month ( not counting federal loans )? Why was I misled, harassed, and basically told that there was nothing that could be done? Where is my money going now? I 'm terrified of what could happen if I 'm kept in the dark any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account DATE : [ XXXX XXXX, XXXX Reason : [ NEED IT REMOVED HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received 3 debt collection letters from Midland Credit Management Company for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to Midlandcredit.com just in case the letter was a scam. I chatted with XXXX XXXX of Midland Credit Management and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called XXXX XXXX, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called Midland for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so Midland has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with XXXX XXXX XXXX, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with Midland in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2020 Inquired on XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

I fixed this accounts several times but it still appear in my report. Please make an action I'm so tried and stress Here 's the lists of negative items XXXX/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX, XXXX Account Number : XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX, XXXX {$19000.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX {$340.00}
Product: Debt collection

The account listed below has been reported and confirmed by the credit collection agencies as result from my identity theft. the account bellow : BARCLAYS BANK DELAWARE Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1100.00} {$1000.00} keeps on showing on my XXXX report as a delinquency account. I need this account to be removed from mu credit history as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

ROUND AND ROUND AND ROUND TRYING OVER AND OVER AND OVER TO MAKE A PAYMENT TO MY XXXX ON LINE THROUGH YOUR WEB SITE USING AN OUTSIDE ACCOUNT THAT I HAVE LINKED TO CHASE AND IT NEVER XXXX WORKS.
Product: Credit card or prepaid card

Applied for a Wells Fargo Credit Product and have not received a response. I took the hit to my score via credit inquiry. I never got a reference number and the only way I could check the status is calling some number I found offsite. Kept telling me someone is reviewing the application.