23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXX
Product: Student loan

I know have to full balances on my credit for the students loans being way higher than the original balance. I was skeptical about my account history with Navient because they show I never made a payment and they report my account all the way back to 2008 and have no records, insight, or supporting evidence to provide me. Ive had my taxes and paycheck garnished due to my student loans. I contacted the US department of Education for my information about my account history and they informed me that the document they have says my account is closed and paid for. No documents supporting Navient claim against me. They advised me to call the original collection agency XXXX for information, and was informed that my account was paid off for and they do not know why Navient is charging me. All 3 agencies have lil to no records of my account which is confusing to me because no one can provide exact information to me as if I never applied for a school loan. The us department of education sent me a document of all my payments and deductions show a XXXX balance. I plan to provide this document because it totals out the original loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Balance : {$340.00} 4. XXXX  XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX Balance : {$0.00} 7. XXXX XXXX XXXX  XXXX Balance : {$0.00} 8. XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$2000.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX  XXXX Balance : {$2000.00} 3. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX  XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1700.00} TRANSUNION : 1. XXXX XXXX XXXX : {$0.00} 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX  XXXX Balance : {$0.00} 4. XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX XXXX XXXX Balance : {$0.00} - Late/Closed 7. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} 8. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00}
Product: Money transfer, virtual currency, or money service

I initiated a withdrawal of {$6400.00} XXXX on XX/XX/XXXX from XXXX and the funds have still not arrived in my bank account XXXX weeks later. They are unresponsive in addressing this matter.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against NCB Management Services , Inc. for their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

On XX/XX/year>, I received a debt collection notice from NCB Management Services , Inc. regarding a debt they claim I owe. However, they have failed to provide any proof of this debt, including a detailed payment history, my signature on a contract, any insurance claim filed on this debt, and proof of chain of title.

According to 15 U.S.C. 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 5. A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

NCB Management Services , Inc. has failed to provide any of the above information, despite my repeated requests. Additionally, they have made malicious and extreme threats against me, which is a violation of the FDCPA.

I demand that NCB Management Services , Inc. cease and desist all collection activities against me until they provide the required information and proof of the debt. Failure to comply with the FDCPA may result in legal action.

Thank you for your attention to this matter. 

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

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Validate Account XXXX OF XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 2. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 3. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately 4. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be deleted immediately Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections.
Product: Credit reporting or other personal consumer reports

I have been a customer with Nissan since XXXX and this is my second car with them. I began to lease my XXXX Nissan Rogue sport in XX/XX/XXXX and throughout that time I did not have any issues with payments. At the end of XXXX I had lost my job and I had to relocate therefore the payments fell behind for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After that setback I was able to catch up on payments and regain a good payment history. I then moved to Ga and in XXXX when my lease was up on my XXXX Nissan rogue sport, I took it to Bella Nissan of XXXX XXXX to refinance my car to keep it. During that process I am not sure what happened but I then received a notification for another late payment for XX/XX/XXXX. I called Nissan Motor acceptance and they stated that this was an error and that I should reach out to Bella Nissan to have them send a letter to them stating the mistake. I called Bella Nissan as I was told and then proceeded to follow up with Nissan Motors. Per Nissan Motor, the rep stated that It would take at least 30 days to update but there has been absolutely no change. I have called and written letters to Nissan Motors for this issue on multiple occasions. My last attempt was a letter requesting adjustment for the late payments. I did not get a contact back and it is over the 30-45 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  # XXXX, has violated my rights. 

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

I initially filed complaint XXXX regarded inaccurate data, multiple/fragmented files, and unauthorized inquiries only to have EQUIFAX not resolve my issue but provide an copy of one of the credit files. My issue has remained unchanged. I have multiple fragmented credit files with Equifax. I have submitted 14 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized. AS OF XX/XX/XXXX, EACH ATTEMPT TO CONTACT RESULTS IN " WE CA N'T HELP YOU OR WE DO N'T SEE WHAT YOU HAVE, OR WE CA N'T TRANSFER YOU WITHOUT ACCOUNT NOTATIONS, OR YOU CAN REQUEST DISPUTES ONLINE ''. THIS IS UNACCEPTABLE AND THIS IS MY LAST ATTEMPT TO SEEK A RESOLVE BEFORE OBTAINING LEGAL COUNSEL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ). It plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing a {$460.00} balance on a closed/ charged off account. I have asked that this account be removed from my credit report because it is inaccurate with no reply from the company.
Product: Mortgage

I had a mortgage with Green Tree mortgage for approximately five years. My colleague at work had them during the same period and we both were moved DiTech. My colleague recently received a settlement check and I have not received mine. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked that the account be updated to show current and not 120 days late.
Product: Credit card or prepaid card

XXXX should not have charged my account again on XX/XX/2023 for {$150.00}. The charge was not my charge and needs to be reversed again. The attached will show when the fraudulent charge was made on XX/XX/2023, as XXXX  called me to inform me that the card was used fraudulently and they disputed the charge, cancelled my old card and sent me a new card. Please address this issue asap. This is a travesty of justice. I dont use XXXX and they werent authorized to charge my card through XXXX XXXX XXXX, as I disputed with them as well, addressed the issue, but XXXX still charged me. Please address soonest.
Product: Debt collection

My data was breached and this account that is in charge off was opened while I was XXXX XXXX under the FCRA 15 USC 1681 i demand that this account be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the XXXX credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted XXXX and Equifax several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.
Product: Credit reporting

I submitted a dispute on a collection account on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the account. Currently, when I log in to Equifax with my confirmation number the investigation still shows as pending. I contacted Equifax on XXXX/XXXX/2016 to ask why the investigation had not been completed, and why the account had not been removed. They replied with a generic response stating that I should call during business hours. I emailed again today, XXXX/XXXX/2016 to make sure that my inquiry would be reopened. I have not yet received a response. During the 30 day investigation period I was not notified by Equifax that they needed additional time to complete the investigation. I have just been waiting. I would like the account removed. I have attached a screenshot of the status of my dispute, comfirmation # XXXX. It was submitted XXXX/XXXX/16 and is still pending.
Product: Mortgage

My payments of {$780.00} are due on the first of every month with Bank of America. My husband I split the payments of {$400.00} each from his XXXX account and my XXXX account. BoA will post one of the payments of {$400.00} but rarely posts the other payment of {$400.00} and places those funds into a Partial Balance account. I have to fight with BoA either with phone calls to which I am on hold for over an hour or via social media for them to credit my payments correctly.
Product: Debt collection

XXXX Nelnet, I still have yet to see the contract granting you the rights/Jurisdiction, regardless of what you are insinuating. You still must prove your jurisdiction. I am attaching this document and I suggest you seek legal counsel. Also attach the papers that were sent to you office regarding discharge and dishonor. ; - ). I wonder why US department of education is not responding but you are and are claiming to be the servicer ..lol Thanks, but i dispute to contract with your company and we can get the UPU involved if need be.
Product: Credit card or prepaid card

I did balance transfers to pay off my high interest cc at Barclay Bank. I mistakenly overpaid the balance resulting in a large overpayment of {$6600.00}. I called Barclay on XX/XX/2021 and requested a refund. They said they would mail me a check 7-10 days. Repeatadly called no check recieved.XX/XX/XXXX manager named XXXX he would cancel original check and send a new one, again 7-10 days. I requested it be sent by XXXX  or at least registered mail he said that was not there policy. I asked if there was anyone there that could authorize an effecient payment method and he said no.Finally recieved a check on XX/XX/2021 in a crumpled envelope postmarkde XX/XX/2021.Called and asked if I could deposit this check. They said no it had been canceled but a new check was posted on XX/XX/2021. It is now XX/XX/2021 just checked todays mail still no check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to 1STPROGRESS/XXXX for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent discover Bank a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By discover Bank publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness.

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. Engelhard vs. Gravens ( MO ) 281 SW 715, 719,1 may presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Product: Student loan

I have been making payments of {$200.00} every 2 weeks to Sallie Mae. They are calling me everyday at least 3 times a day, and sending emails incessantly. The representatives are telling me that I have to make a payment of {$20000.00} a month on a {$290000.00} student loan. I advised that I do not have that and the lowest they will go is {$8700.00} a month, again money I do not have. I did tell them what I make a month which is about {$2200.00} net. There is no way I can pay what they are asking for. I have rent as well as car insurance, and other bills, which leaves me with little money to buy food. I also pay XXXX XXXX {$300.00} a month for a degree that I could not complete as Sallie Mae withdrew the funds at the a half mark of my last In addition, they are calling family members who are not related to the loan or a co-signer regarding this, though I am not sure how they obtained the information to contact them. 

I did advise them verbally XXXX weeks ago to cease and desist and they are still calling and emailing. 

As I realize this is a large student loan, how could they have continued to approve my requests knowing I was accumulating a very large debt? 

I am not trying to get out of paying the student loan, I would just like them to be reasonable considering my hardship.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  ( Original creditor : XXXX  ) Balance : {$540.00} XXXX XXXX XXXX ( Original creditor : XXXX CA ) XXXX XXXX : {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX 2022
Product: Vehicle loan or lease

On XX/XX/XXXX we traded this car in from Capital One Auto finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect.
Product: Debt collection

This debt was paid in full. I was told ( over the phone ) because you can not contact LVNV via email or any other way but a phone call, that once debt was paid in full, within XXXX hours they would submit to XXXX XXXX-AND SEND ME A COPY, of proof of debt paid in full, court documents to end XXXX XXXX, An itemized statement showing the amount of original debt ( roughly XXXX ) and the amount of interest paid ( roughly XXXX ) for a total debt payment of roughly XXXX. I have yet to receive court documents showing the debt was paid in full, notice to XXXX XXXX with court order to stop XXXX XXXX, any court documents showing the debt was paid in full. Additionally, I do not believe paying over XXXX XXXX XXXX on an original debt is legal and am requesting any refunds owed. But most importantly showing the debt was paid in full IMMEDIATLY.