23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company NCB MANAGEMENT SERVICES INC to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided on XX/XX/XXXX a fraudulent debt that leads one to the conclusion that NCB has on file an account number confirmed to be different from the " Original Creditor ''. The information NCB provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items ASAP.
Product: Debt collection

I am unaware of this debt with Midland Funding LLC it says XXXX XXXX XXXX Acct. It shows {$910.00} balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt.
Product: Credit card or prepaid card

Hello, My name I have been with brinks prepaid all access account for years now. Within just this year my card has been breached twice this time when they sent a text they said someone called in with a XXXX area card trying to gain access to my account. They said they could not give me any information on who it was. I have been trying to reach someone for 3 days to transfer money to a net spend card like they told me I could until I get my new card and I've got hung up on by fraud department after they said they were transferring transferred back in the que for hours and after holding dead air. At this point this is the worse experience ever and I just want some of my own XXXX money to feed my kids.theu charged me {$25.00} for a new card but it was not my fault someone was trying to access my account that was not me why do I have to pay? On top of that I want have any money to feed my kids for 7 to 10 days. I'm beyond frustrated. I work in customer service at very well known company and would be fired if it got to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.
Product: Debt collection

This company is reporting a debt with a balance on my credit reports that was discharged in a Chapter XXXX Bankruptcy. I disputed the debt with the credit bureaus and it came back verified. I then sent this company a letter on XXXX XXXX, 2017 and they ignored it. Attached is my bankruptcy discharge and bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting

My husband and I entered a lease agreement renewed XX/XX/XXXX. It was written for 13 months period. I was informed it is against the law to have it drawn up the way it was, after signing moving into another apartment under different management. The problems associated with the balance was at move in. There were problems with the uneven floor boards, the buoyancy of the flooring was unstable and there was a transferred water bill that the company did not want to resolve. It was attached to the water bill for XXXX. I have disputed it with the company via certified letters. I also went to speak with then manager ( XX/XX/XXXX ) but there was not one on the property. As of today, it was moved into an installment status until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed my personal information with them because they had lots of other incorrect names and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Checking or savings account

This account was supposed to be closed in XX/XX/XXXX it is now XX/XX/XXXX they have not fully closed this account. I have money still sitting in this account they rejected a direct deposit from XXXX but for whatever reason they allowed a deposit in XXXX, but my account is supposed to be closed. They blocked previous deposits and now theyre allowing it, so my account is still open even though it says its deactivated and closed and I cant move or touch the money. This is so unfair and illegal If something needs to be done about this, Im not able to speak to no one on the phone they made it to where nobody can call in and you have to go to the app but through the app I cant request to talk to anybody I cant never get a response. They informed me that they were closing my account, but they never fully close my account. They kept sending me the W9 form. I filled it out multiple times and they still wan na close my account. Theyre not letting me know whats going on with my account I have money sitting in my spending account they only sent me the money from my brokers account and I think this is highly unfair. Its been months I cant use that account. I cant talk to nobody on the phone I cant get a response via email and theyre doing this on purpose and I feel like Im being discriminated towards in target because I hadnt yelled and cussed out some of their customer service reps but this is illegal and unfair and Im just sick and tired of the going back-and-forth and Im not fully closing out my account. I want my spending account money sent to me as well as the account being fully close like they said they were going to do the only thing they have done to me is restricted account and stopped me from calling customer service or reaching out to them so I cant get a response. I cant talk to no one on the phone. No one is calling me back, I cant reach them and theyre keeping my account halfway open but I cant touch or move or do anything with the money, so this is just highly unfair and Im just really frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXXXXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX Mortgage XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report.
Product: Checking or savings account

TD Bank Refused to refund stolen money : On XX/XX/2022, I visited my local TD Bank to withdraw funds from my account. When the teller gave me my bank slip, I realized there was a discrepancy in my total account balance and that I was missing {$30000.00}. I immediately contacted the bank and was informed that two ACH transfers transacted the funds out of my account. These transfers were not authorized and were performed without my knowledge. 
On XX/XX/2022, I was refunded {$15000.00} by TD Bank and my account was closed by TD Bank before the remaining {$15000.00} was recovered. A new account was opened by TD Bank, but I have not been informed about what would be done about the remaining {$15000.00} that had been taken from me, or what to expect in terms of communication or a solution. I have called TD Banks XXXX Department several times and have not received a response, or I am transferred around to agents who dont know who to escalate the call to in order to assist me or explain who or what entity transferred the funds from my account. I have also visited my local TD Bank several times where a helpful branch manager informed me that the issue had to be handled by the TD Bank XXXX  department, but TD Bank has been otherwise unresponsive and unhelpful.
Product: Credit reporting or other personal consumer reports

I was recently denied for an apartment that i applied for based on my consumer report. I filed a claim previously to help with inaccurate evictions showing up on my report. An investigation was performed and the information was deleted. After this i called into customer service in order to inquire about what was going to be done about my application. The agent then stated that i would need to have my credit ran again. Which would mean i would have to pay another {$100.00} application fee. This was very disheartening to hear considering the fact i was denied based on this inaccurate info. The agent then looked into it and begin to bring up my " Background '' was the reason i was denied. He then began to talk about charges that i did pre-trial intervention to have removed from my report.I proceeded to tell him that information shouldnt be on my report. He then told me there was nothing i can do about this! I am once again held back from renting based on FALSE INFO ON MY REPORT!
Product: Mortgage

In XXXX 2017 I selected Mortgage Capital Associates to refinance my first mortgage. At the time I also had a HELOC. In complete agreement with the mortgage company ( Mortgage Capital Associates ) there was supposed to be a subordination so the HELOC would remain open, and I paid an additional interest rate to do this. However, XXXX XXXX XXXX messed up the closing ( admitted from them ) and the HELOC was closed. Unfortunately I did not find out that they messed up until months later when I received the notice from my HELOC company ( XXXX XXXX ). I am now trying to get the HELCO reestablished, however to date that has not happened. Thus, I was mislead and was charged a higher interest rate, that I will now pay for 15 years for a product that I was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I refinance my mortgage with Quicken loan. JP Morgan Chase was the holder of my mortgage. In XXXX, I got my credit report and it drops by 63 points because JP Morgan closed my mortgage account and it affected my credit. I do not know why JP Morgan Chase closed my account if they know that it will affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a request for XXXX to investigate why this account is reporting inconsistent information on my credit report to no avail. This company has made it difficult to get an understanding on why this account is reporting the way that it is. I have also tried to dispute this account on all 3 credit bureaus to no avail either. This account is reporting multiple inconsistencies and should be removed from my credit report as I feel that they have not complied with Metro 2 reporting guidelines.
Product: Credit reporting or other personal consumer reports

Name : Consumer XXXX Date of Birth : XX/XX/ Social Security Number ( XXXX ) ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Debt collection

CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a loan with them in XX/XX/XXXX & they're claiming it closed in XX/XX/XXXX. They are aware of the issue & said they'd fix it months ago. I've disputed it with the credit bureaus twice & they're failing to provide me with any verification or proof. I need this issue handled ASAP as it's impacting my credit & ability to close on a new loan. Please repair this account ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a transaction on my SYNCB/SAMS CLUB credit card account. 

What happened : To date, no action has been taken to correct this error, and the incorrect charge of [ {$1000.00} USD ] remains on my credit card statement. I have not received any communication from SYNCB/SAMS CLUB regarding the status of my dispute or the resolution process. 

I am exercising my rights as per the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : No consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate 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.

Given the fraudulent nature of this account and the breach of my identity, I kindly request the following actions : 1. An immediate investigation into the origin and validity of this account by SYNCB/SAMS CLUB.
2. The removal of this inaccurate and unauthorized debt from my credit report.

3. A formal confirmation in writing that this debt has been removed from my credit history.

4. Any necessary legal actions to rectify the breach of my identity and to hold the responsible party, XXXX XXXX, accountable for their actions. 

I expect that this matter will be resolved promptly and in full accordance with the law. Failure to do so may result in further legal action to protect my rights and restore the accuracy of my credit report.
Product: Student loan

I attended XXXX XXXX during the period XXXX. I have paying off my loans since then and currently have one that is adjusted due to my low income. 
However, on approximately XX/XX/2023, I received a letter from the ECSI Federal Perkins Loan Service in XXXX XXXX, PA XXXX stating that I owed a past due amount of {$2100.00} on a loan I had never heard of. 

To further confuse the matter, I spoke with an agent at the Federal Perkins Loan Service and they said the school had no documentation on this " loan '' except a p/c of the original signed agreement. The school has no record, nor do I, of ever notifying me of the existence of this " loan '' or of any interest acquring. There is no record of why the interest accured, payment received, and why I was not notified. 

I dispute the existence of this " interest '' and question that after 23 years or so of no notice that I even am liable for such an amount. How can one acquire interest on principal that ( according to them ) has been paid or at least does not exist at this time. ( Principal Due : {$0.00} ) At the most basic level, this is an example of sloppy bookkeeping or just conjecture on their part. 

Further my personal situation is that I am XXXX, suffer from a XXXX XXXX, and my husband is XXXX ill with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been taken advantage of by XXXX XXXX. I have disputed this loan from XXXX for 30 years! I have been harrassed by collection agencies claiming to represent XXXX XXXX! The information on this student loan is absolutely False. I have written letters to get this off my credit report, and never heard anything back. This is ruining my credit and my ability to move forward in life. PLEASE correct this. The credit companies have Not done a thorough investigation into this matter. Please remove this from my report. Thank you.
Product: Money transfer, virtual currency, or money service

account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 A charge off is considered a Certificate of Indebtedness which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 Effective Immediately and Indefinitely