23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Complaint Against National Recovery Agency for Invalid Debt Collection Immediate Resolution Required To Whom It May Concern, I am filing this formal complaint against National Recovery Agency ( NRA ) for their unlawful and erroneous debt collection practices concerning an alleged debt of {$390.00} on behalf of XXXX XXXX XXXX XXXX. This debt was fully paid directly to the original creditor long ago, yet NRA continues to pursue me for payment, in clear violation of federal and state debt collection laws.

Nature of the Complaint : 1. Attempting to Collect a Nonexistent Debt NRA is attempting to collect a debt that has been fully satisfied with the original creditor.

Their actions constitute deceptive and unfair collection practices under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ).

2. Unlawful Reporting to Credit Bureaus NRA has falsely reported this debt to credit reporting agencies, which constitutes defamation, negligence, and willful misrepresentation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 
I demand the immediate removal of this erroneous negative item from my credit report.

3. Harassment and Continued Unlawful Contact NRA continues to contact me regarding this debt despite clear evidence of its payment.

These persistent collection efforts amount to harassment and a violation of my consumer rights.

Demand for Resolution : Immediately cease and desist all collection attempts related to this invalid debt. 
Provide written confirmation that this account has been permanently closed and reported as resolved. 
Remove any negative reporting associated with this debt from all major credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days. 
Provide documentation proving the legitimacy of their claim or a formal apology for their improper collection attempt. 

Legal Consequences for Non-Compliance : Failure to comply with these demands will leave me no choice but to pursue all available legal remedies, including but not limited to : Filing a formal dispute with all credit bureaus under the FCRA. 
Initiating a lawsuit for damages resulting from credit harm and emotional distress caused by NRAs unlawful actions. 
Seeking statutory and punitive damages for FDCPA and FCRA violations. 

I expect an immediate response and a resolution to this matter within 30 days of receipt of this complaint. If no action is taken, I will escalate this case to state and federal authorities, including the Federal Trade Commission ( FTC ) and my states Attorney Generals Office. 

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

I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Owed : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I've been notifying Transunion that the information on my credit report are inaccurate, my identity has been stolen and used for fraudulent purposes. Someone has used my identity to engage in the following type of fraudulent transactions : * Credit cards * Loans * Student loans I'm a victim of Identity theft, this situation turned my life upside down. It is like a nightmare as I'm having difficulties to clear my name and credit report. Please assist me with your help in this case. 

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
* Harassed by debt collector or creditor. 

In addition, I have lost XXXX hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : XXXX, XXXX and TransUnion : *regarding the identity theft and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with XXXX and XXXX : XXXX still did not clear my credit report after numerous attempts to remove fraudulent accounts from my credit report. And XXXX made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. I have contacted the FTC and filed a ID Theft report. 

I have had the following problems with companies that I contacted regarding my identity theft : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. Thank you for your prompt attention to this matter. 

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

Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. XXXX never extended me any credit so I do not owe a balance. I utilized my own FRN which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the FRNs used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS criminal investigation team for further review.

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.
Product: Student loan

I took out my first private loan with XXXX XXXX in XX/XX/XXXX. Since then I have taken out a large number of loans ending in XX/XX/XXXX. I have a balance over 100k which I do earnestly intend to pay off once I graduate with my XXXX and land a job. This past semester I finished my XXXX and have been accepted into the XXXX XXXX ( same school, XXXX University ) for the fall. I am currently enrolled and should be eligible for in-school deferment. Today I was told by a Navient representative ( XXXX XXXX moved my loans to its sister company ) that I am 1 month away from a 48 month limit on in-school deferment for private loans. The problem is that my Masters Promissory Note ( s ) does not have this agreement. The various notes that I signed state that I have indefinite deferment as long as I am in school. <P/>*Below I have attached a sample promissory note saved back in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have discovered inquiries on my credit report that were made without my authorization. After reaching out to the creditors responsible, they confirmed they have no records or evidence showing that I initiated these inquiries, nor did they receive any written or verbal consent from me. Given the lack of a valid basis for these inquiries, I am formally requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

Equifax clearly gives out a randomly generated answer and does not base this off actual XXXX or XXXX. This is blatantly an abuse to try to receive revenue from identity theft services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.
Product: Prepaid card

I recieved this card in XXXX as a Gift however I can not use the card at any of my perfered stores or online retailers. the balance of the card is {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : Also states a consumer reporting agency can not furnish an 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. 

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX  XX/XX/2022. *
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has played games since before XXXX and now I am to the point where this has to stop. You send me a notification to go look at the results of an investigation and it says not available online, then call this number which is strictly a choice of ordering your credit report or asking about a fraud alert. 

Well, I am done spending hours upon hours trying to get an agent as it's just a game with them. 

At this point I am notifying Experian that I will not attempt to call their number again, nor attempt to pull up results that only direct you to a number, They need to call me directly in less than the 15 days they know that the CFPB gives them to act. 

If I do not hear from them at my phone number supplies, I will assume they are denying me access and forward the information to the authorities. 

This is now pure harassment and abuse on their part.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. NAVIENT XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Mortgage

I received a letter from Freedom Mortgage Corporation saying my loan servicing with XXXX had been transferred. I was surprised that they asked me to create a new account, and that the transfer process was not seamless. I had already previously set up a monthly auto pay, and had never been late since the inception of the loan. When I asked who owned the loan, all Freedom kept saying is that they were the servicer, trying to imply that they actually owned the loan as well, but would not talk towards ownership- in fact, they kept saying I as borrower was the owner of the loan. I tried in good faith to help them understand the difference between servicer and institutional bank owner of loan, but they kept repeating they were the servicer, wouldn't provide the information of who owns the loan and whether that had changed, and insisted that I take the time to set up a new autopay on their website. I looked up Freedom Mortgages reputation, and found they have been cited previously for unfair practices. Therefore, I am asking for restitution for failed disclosure, refusing to answer reasonable questions, and for my waste of time having to jump through their new hoops. For better practices purposes, I insisted on speaking with a company rep different than who I initially had the frustrating conversation with. I waited a significant period of time on hold to speak to someone on the " escalation team, '' and when I finally connected, I received satisfactory answers. However, I feel that my time was wasted, and that I should never had had to invest such long time with this serivcer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the credit rating company that my auto/home insurance company , XXXX XXXXXXXX XXXX uses to set rates for its insured members. During an annual review from CC, the letter mentioned that our rates were higher because of the credit rating from XXXX XXXX Having just secured a loan for the purchase of a new XXXX and having secured one of the highest credit ratings the seller had ever seen, I found this news disturbing so I contacted XXXX, got a copy of their report and asked them three times to change their credit assessment. Each time, I got a form letter saying they could not " authenticate my identity '' and that the info I supplied -- addresses, copy of my driver 's license, phone numbers, credit card companies, mortgage company and bank addresses, etc. were " not legible '' even though typed and copied clearly. I gave them all the info they asked for in a two-paged typed letter, including the last four digits of my SS number, passport, copy of my driver 's license, etc. No action from them, just another form letter. In addition their report was filled with inaccuracies, omissions and blank pages and shoddy research. XXXX
Product: Debt collection

Enhanced recovery has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. Enhanced recovery has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXXXXXX XXXX. I had outstanding odds on Credit Karma for a XXXX credit card. And it has already dropped my score down. Credit Karma Knows when it says excellent and outstanding it's usually approved I was immediately denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.
Product: Credit card or prepaid card

bank of America credit card Account number ending in : XXXX They posted a hotel charge of {$3900.00} in XX/XX/XXXX while the Transaction Date was in XX/XX/XXXX. which mean after 211 days. 
I talked with BOA respected department 4 times and I disputed the amount of {$3900.00} charge twice, XX/XX/XXXX Case number : XXXX and XX/XX/XXXX Case number : XXXX They kept wasting time until dispute time close, without solving the problem. 
Every time, They ask Proof that this transaction was paid by another means. I respectably informed them I never keep receipt for 8 months. BOA respected disputed department, declined the dispute saying We're unable to determine that a billing error occurred based on the information or documentation available to us '' I informed them, that under the law, they have no right to charge me after 8 months, while i did pay the hotel. 

The law says : Under Visa Chargeback Reason Code 74 : Sales Receipt Older than 181 Days. If the sales receipt was deposited more than 181 days after the transaction date, even if the card account is not closed, there is no remedy and you should accept the chargeback.

please solve my problem with them.

Attached the Correspondences between me and BOA respected credit card dispute department
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX USA XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : WELLS FARGO BANK XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX