23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies. 

NCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL. 

NCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this. 
( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX  XXXX  XXXX  were never sent to us by US mail. 

Furthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections. 

National Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX  XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ). 

NCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

On my credit report it shows that I have an open credit card with XXXX. That is not the case. I only possess XXXX credit cards, XXXX through XXXX Bank and XXXX through XXXX XXXX Bank. My father whose name is XXXX XXXX has the XXXX card in his name. My name is XXXX XXXX XXXX. We are not the same people.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a bank transfer from my bank to my Venmo account in the amount of {$1600.00}, with a clear date of Tuesday XX/XX/XXXX. At XXXX on XX/XX/XXXX a direct deposit in the amount of {$1100.00} was deposited into my Venmo account ( a biweekly deposit for over a year ). At XXXX my account was frozen due to suspicious activity. I noticed Friday XX/XX/XXXX that my account my frozen and submitted the requested id verification to Venmo. On XX/XX/XXXX I received an email from Venmo that I was in violation of the user agreement and my account was permanently suspended. I was also informed that all money in the account would be held for up to 180 days for security reasons. When I inquired as to what i violated, they wouldnt tell me. I explained this was my rent money and then inquired about my pending bank transfer of {$1600.00} into Venmo. At that point on XX/XX/XXXX, there was only the {$1100.00} in the account. I called customer support twice and was told that given my account status that the pending bank transfer would be rejected from Venmo and would be sent back to my bank ( discover ) on XX/XX/XXXX and would receive it by Friday. At XXXX on XX/XX/XXXX Venmo allowed the bank transfer to go through even though they permanently deactivated my account the day before. I sent several emails to the account specialist as to why the transfer from my bank to Venmo was allowed after being told it would not be. Venmo never answered my question and proceeded to inform me again that my money was going to be held for up to 180 days and they were not going to respond any further and the case is considered closed. I offered to submit bank statements and whatever else they needed to release my {$2700.00} in my Venmo
Product: Credit reporting or other personal consumer reports

Incorrect payment history is on this report. Please have the creditor KOHLS/CAPONE delete report from credit history. 

Incorrect payment history shows a current payment in XXXX yet Closed account in XXXX. Ive filed this dispute and they have refused to delete inaccurate information.
Product: Credit card or prepaid card

I have been using the Comenity Capital Bank Bjs Mastercard for more than 5 years, always paying on time, the financial charge is very high. I am trying to pay the total of the current balance quicker and tried calling on Friday, XX/XX/XXXX, XXXX to ask for options to reduce the interest and be able to pay it all, after waiting for more than 30 minutes the first representative didn't help and instead offer more services, then transferred me to the wrong department, this person couldn't help me and I had to call again, the second person wasn't helpful because technical problems, I called again and the third person told me she was not able to help me and transferred me to another department. After two hours of waiting I didn't receive any help.
Product: Credit reporting, credit repair services, 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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
Product: Credit reporting or other personal consumer reports

XXXX XXXX submitted a late payment to XXXX and XXXX for late payment that never happened. XXXX took off XXXX points and XXXX took off XXXX points. XXXX XXXX disconnected my bank account from my profile and my bank would not allow me to add it back. I was never late on a payment. XXXX did an unauthorized transaction from my XXXX XXXX but XXXX sent the money back to me. XXXX  took the money from my bank account that XXXX took from them from using my XXXX XXXX along with membership fees that XXXX claimed I never paid which I have proof in my bank account that I did and claimed that I was late on a payment. Instead of XXXX helping my credit they have damaged it more when I dont ever use my extra card for transactions but still kept it for the membership fees to help build my credit. I will send proof of XXXX  taking the amount that they are claiming I am behind on from my bank account. Now they are saying that they did an investigation and refunding it back to me but still reported a late payment on my credit reports when they took the {$130.00} from my bank account already. I would like the late payments off of my credit reports and the points that were taken off back added to my credit reports. I paid my memberships each month. The only XXXX didnt pay was XXXX due to XXXX disconnecting my bank account from my profile and my bank not allowing me to add it back. I been trying to get them to fix it with little to no help and to cancel my membership with no response.
Product: Debt collection

I requested debt validation on XXXX XXXX, 2016. The collection agency has never responded to that debt validation and is now in violation of the FDCPA, FCRA, as well as the Texas Finance Code as they placed it on my credit file and have continued to try to collect on the debt. They have however, verified the debt with each credit bureau.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service Team, I am writing to you today regarding the permanent limitation of my PayPal account, which I believe was done in error. My PayPal account email address is XXXX. 

I strongly believe that this limitation was placed on my account due to a mistake. I have not violated any PayPal policies, and I have always followed the terms and conditions of the PayPal user agreement. 

Therefore, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a re-investigation will show that there was no violation on my part, and that my account should not have been limited. 

I have been a loyal PayPal customer for many years, and I have always valued the services provided by PayPal. I sincerely hope that this issue can be resolved quickly, and that my account can be restored to its previous status. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX  | XX/XX/XXXX US DEPT ED : Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

Citizens mortgage bank wont give XXXX title a payoff statement they will give a number but they refuse to send the documents saying to XXXX we have to wait a week or more over and over I believe this to be illegal or at the least its wrong
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Credit card or prepaid card

Good morning, I took a cash advance in XXXX of {$85.00} -- US dollars -- on XXXX XXXX, XXXX. 
I knew there is a cash advance fee and that interest would accrue starting XXXX XXXX So when I received my XXXX XXXX, XXXX USAA XXXX statement which covers charges in XXXX, I expected both the cash advance fee ( {$2.00} ) posted on XXXX XXXX and the interest charge of {$0.00} which was posted on XXXX XXXX. 
I paid the full amount due of {$2800.00} for the XXXX XXXX statement ( which was due XXXX XXXX ) early -- XXXX XXXX. This is confirmed on my e-bill pay account. USAA acknowledged receiving this on XXXX XXXX as well. 
So far I understand and accept the charges HOWEVER, I was still charged interest on my cash advance of XXXX XXXX on the XXXX XXXX statement ( which covers XXXX charges ). The interest charge -- posted XXXX XXXX -- is trivial ( XXXX cents ), but the question is why am I still paying interest on the XXXX XXXX cash advance since that was paid off on time XXXX XXXX. ( See above ). 
I spoke with a USAA representative who was very nice and explained that interest accrues until the amount due on my XXXX card is XXXX. 
So even though I paid the entire amount of {$2800.00} due for the XXXX XXXX statement on XXXX XXXX, I am still charged interest on a cash advance I have paid off. WHY? 
The agent said this policy is on the XXXX agreement that I received when I requested the card I can not find such an explanation. 
The dollars involved in my case are trivial. But others unknowingly are paying interest on cash advances that are much larger. I doubt they have a contract explaining why. This is not transparent, and not fair. 
Thank you for reviewing this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the GAP insurance purchased at the time of the vehicle purchase on XX/XX/2019. The GAP insurance was refunded at a prorated amount due to the cancellation of the contract as a result of XXXX and their unwarranted repossession. It is obvious that either the selling dealership or XXXX has failed to include the GAP insurance refund in the so-called unpaid balance following the auctioning of my XXXX. The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). 
Attached is the letter that was mailed on XX/XX/2023 and an updated FTC identity theft report.
Product: Money transfer, virtual currency, or money service

My mother saw a high school acquaintance selling a very beautiful breed of cat. We decided that we would like a few of them, and contacted them. After messaging with the user via XXXX XXXX, we sent {$400.00} through XXXX to their account. However, soon after we became suspicious because the post history had gone from posting about their family, to only posting about things to sell. We contacted the seller and told them we would like our money returned, but they have never responded. We then contacted Discover, but they informed us that since it was through XXXX, that the transaction could only be disputed to them. They gave us the number for XXXX, which is a joke because their answering service offers two options and the options both redirect you back to your bank. We seem to have no recourse and can not even report the scammers account to anyone to keep it from being used again.
Product: Payday loan, title loan, or personal loan

This was improper use of my credit report which impacted my XXXX account, and perhaps all other credit bureaus. This boils on identity theft, fraud where I was notified on XX/XX/2021 on an account or payday loan opened on XX/XX/2021. I made a complaint to XXXX, FTC, and now again to CFPB. You can see my past complaints on the same issue around XX/XX/2021 about Advance America who are using a company called XXXX. I want this resolved and removed, deleted, closed of all my credit reports. 

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

A collection account listed under XXXX in the amount of {$310.00} is currently on credit report. I have no knowledge of such debt owed. My dispute is based on the fact that I have never received a legally required debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809, 15 U.S.C. 1692g. The FDCPA mandates that within five days of the initial communication with a consumer regarding a debt, a debt collector must send a written notice that includes : The amount of the debt.

The name of the creditor to whom the debt is owed. 
A statement that the consumer has 30 days to dispute the debt 's validity in writing. 
A statement that, upon receiving a written dispute, the debt collector will obtain and provide verification of the debt. 
A statement that, if the consumer requests the name and address of the original creditor, the debt collector will provide that information upon request. 

I wish to inform you that I have not received such a debt validation notice via mail or electronically from the collection company or any other entity. As a consumer, I have the right to request and receive this information to verify the validity of the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for the Kikoff XXXX XXXX premium account, it was advertised as reporting to all three credit bureau 's XXXX, XXXX, and XXXX, but it only reports to one so far and thats XXXX. I need you to make an update to my current account to XXXX, and XXXX please. My name is XXXX XXXX. Date of Birth XX/XX/1989. Order # XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home to a buyer on XXXX or XX/XX/2020, and the mortgage company XXXX XXXX is reporting that we foreclosed on the home, then XXXX XXXX put this incorrect and inaccurate information me and my spouse 's credit report, according to the XXXX XXXX report. This incorrect and inaccurate information is preventing us from getting another Home Loan with several companies waiting for this information to be removed. We have already lost two or three homes we were interested in purchasing, but XXXX XXXX 's incorrect and inaccurate information continues to impact and hinder this process. 

We have all the documents and forward them to XXXX XXXX, but it appears the left-hand does not what the right hand is doing. In fact, we were told by a loan officer that XXXX XXXX did not know the loan was paid in full. This only requires checking the acct. number, unless their XXXX system is not providing the correct about home Mortage accounts. I don't buy it! This is a dishonest practice by this company and I am almost sure they are doing this to many other homes mortgaged accounts with XXXX XXXX. 

We have provided them with all the documents, yet they prefer to do nothing. 
Please us get this resolved as soon as possible. I will be reaching out to my personal lawyer as early as next week!!
Product: Debt collection

I contacted XXXX to let them know that I only have 1 account however 2 accounts are on my credit report. I only opened up 1 account. Two accounts are in collection but its two of the exact same accounts opened on the same day. There is an error on their part. One account was paid off and the other account needs to be removed as I only opened 1 account. 
{$1200.00} is the amount of the collection.