23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed the NCB Management Services account reporting on my XXXX and XXXX credit report in XX/XX/year>, requesting verification of its accuracy. However, the credit bureaus responded stating that the account was verified as accurate and updated without providing any proof of verification or proper debt validation. 

NCB never provided me with validation of this debt, yet continued to furnish information to the credit bureaus, violating multiple consumer protection laws. 

Discrepancies & Legal Violations : Failure to Provide Debt Validation ( FDCPA 809, 15 U.S. Code 1692g ) I have never received proper validation of this debt, including : The name and address of the original creditor. 
A contract proving obligation to pay the alleged debt. 
A complete chain of assignments showing legal ownership of this debt. 
An itemized breakdown of charges, interest, and fees. 
Legal Violation : NCB can not legally report or collect on a debt without first validating it. 

Inconsistent & Unverified Account Information Across Bureaus ( FCRA 623 ( a ) ) NCB has reported different information to multiple credit bureaus : Different DOFDs ( Date of First Delinquency ) across XXXX XXXX XXXX. 
Conflicting payment histories. 
Inconsistent balance reporting. 
Legal Violation : The FCRA requires information to be consistent and 100 % accurate across all bureaus. The reporting of different dates & balances makes this account unverifiable and inaccurate. 

Unauthorized Updates Without Proper Verification ( FCRA 611 ( a ) ) The credit bureaus updated the account without verifying the validity of the debt. 
Simply updating an account after a dispute without providing proof is a violation of my consumer rights. 
Legal Violation : Updating an account without a valid method of verification ( MOV ) is a direct violation of FCRA 611 ( a ). 

Failure to Establish Permissible Purpose for Credit Reporting ( FCRA 604 ) NCB has reported this collection account without proving their right to do so. 
I demand documentation showing NCBs permissible purpose for accessing and reporting my credit file. 
Legal Violation : If NCB can not prove they had a valid reason to report this debt, it must be deleted immediately. 

Failure to Cease Collection & Reporting Without Validation ( FDCPA 809 ) I demand that NCB cease and desist all collection activity, including reporting to credit bureaus, until full debt validation is provided. 
NCB has no right to continue collection efforts or damage my credit without first providing me with legally required documentation. 
Legal Violation : Any continued collection or reporting without validation violates FDCPA 809.

Failure to Notify Future Debt Collectors of My Dispute ( FCRA 623 ) If NCB sells or transfers this debt to another collector, they must inform them that this debt is currently disputed and remains unverified.

I demand written proof that this account has either been deleted or marked disputed permanently.

Legal Violation : If this account is transferred to another collector without notification of my dispute, NCB is in violation of FCRA 623.
Product: Student loan

To Whom It May Concern, I'm writing because since Navient took over my student loan, I've been having a problem receiving my monthly statement. When they took over my loan, they wanted me to convert to an online payment system, but I said I wasn't interested. What started happening soon after was that they would occasionally not send me a statement. This happened several times and I would wind up paying the amount owed, plus a late fee. When I would call, no one was able to explain why I wasnt being sent a monthly statement. 

In XXXX of this year, Navient, without warning, stopped sending me a statement altogether. Months went by, and still no statement. During that time, I made several calls and whenever I asked why I wasnt receiving a monthly statement, no answer was given. During that same time, I also received several emails from Navient in which they were requesting payment. I tried to respond to their emails, but I was unable. Every time I would respond, my email would be returned unread. Because the service at their customer call center is substandard ( the last time I called I was left on hold for fifteen minutes and I hung up ) I tried to find a valid email address for Navient on their website so that I could explain my situation in writing, but I was unable to find a valid email address. Its possible I just didnt see it, but I dont think so. With any major company, you can go on their website and find their customer service email address in seconds, but not Navient. Why thats frustrating is because at this point, I have no way to verify that I have been contacting them in an attempt to rectify this matter. 

After reading about all the lawsuits that have been filed against Navient for taking advantage of their borrowers, the late fees they've manufactured against me seem a lot less shocking. At least I can take comfort in knowing it's nothing personal. On my last phone call with Navient, I said I would pay them everything I owe in full that day minus the fees which were accrued through no fault of my own. Navient did not accept that offer. A few weeks ago, I received a letter from Navient where they claimed that I opted to receive my monthly statement via email. I assure you that that is not true. At no point did I ever opt for a different payment method. 

I would appreciated it if you could look into this matter and possibly help me reach some sort of agreement. Im pretty much at my wits end with this company. Any help you would be able to provide would be greatly appreciated. 

Thank you
Product: Credit reporting

XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

XXXX XXXX XXXX  You applied for a credit card on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

capital one stated they closed my account on XX/XX/2021 due to a returned payment that was in default from a XX/XX/2021 payment. I called in XX/XX/2021 to try to see what happened to that payment and another payment that I tried to pay the balance in full for XXXX dollars. The representative told me as long as I make some kind of payment then my account would be okay which I did for XXXX dollars. The very next day they closed my account. When I explained their system made an error in trying to pull the money from my old bank account the first time, which was verified then they lied and stated that is was closed due to a second payment that was returned from another bank account. When I asked to verify what bank account number they had so I can make sure it was my error in entering in the information they proceeded to tell me that they could not provide that information nor reach out to my bank to verify any account. Even though I was able to pay the account in full they said they reserve the right to keep my accounts closed even though I have been a loyal customer and have made every attempt to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax XXXX  XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information. 

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts XXXX 1.XXXX  XXXX Account Number : XXXX 2.XXXX  XXXX Account Number : XXXX 3. XXXX XXXX  Account Number:XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX  Account Number : XXXX 3.XXXX XXXX Account Number : XXXX Equifax 1.XXXX XXXX Account Number : XXXX 2XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. They replied, saying, We do not report any bankruptcies to anybody. If thats true, how did the credit bureaus claim my bankruptcy is 100 % accurate? They didnt follow the law and didnt do a proper investigation, as required by **15 U.S.C. 1681**. 

How They Broke the Law : 1. **No Proper Investigation** Under **15 U.S.C. 1681 Section 603 ( 3 ) ( E ) **, an investigation is supposed to include checking with people who know me or have information about me. They cant just rely on other creditors or reporting agencies. The credit bureaus didnt do this. 

2. **Right to Privacy** According to **15 U.S.C. 1681 Section 602 ( a ) **, I have the right to privacy. The credit bureaus ignored this right.

3. **No Permission Given** Under **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) **, theyre not allowed to share my information without my written permission. I never gave them permission.

4. **False Information Reported** **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** says that no one is allowed to report wrong information if they know its not accurate or have a reason to doubt it. My bankruptcy wasnt verified properly, so they broke this law too. 

The credit bureaus didnt follow the rules and violated my rights. They didnt check the facts, and their mistakes caused harm to me.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} TransUnion, XXXX ( Negative Remarks ) XXXX  XXXX : {$200.00} XXXX, TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX, TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, TransUnion, XXXX ( Negative Remarks ) Collections : XXXX XXXX XXXXXXXX {$480.00} XXXX, Transunion, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$130.00} XXXX, Transunion
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 card

I am writing this to file a complaint regarding Citibanks unfair and abrupt closure of my credit card account without proper notice or sufficient justification. Below are the details of my grievance : 1. Account Closure Timeline : Citibank closed my account within 10-14 days of a payment issue. I was not informed that my payment had not cleared, and I received no communication or opportunity to rectify the situation before the account was closed.

2. Lack of Notification : Citibank failed to notify me in a timely manner about the returned payment or the impending account closure. I had no chance to resolve the issue or provide alternative payment methods.

3. Adverse Impact : The sudden account closure negatively impacted my credit utilization and could harm my overall credit score. This decision was made without offering me any chance to address the problem, which feels punitive and unfair. 
4. Citibanks Notorious Practice : I have observed multiple instances on XXXX and within complaints on the CFPB website describing similar situations where Citibank abruptly closed accounts without providing adequate notification to customers. This pattern suggests a systemic issue that causes unnecessary harm to consumers.

5. Statement Balance Paid in Full : I have already paid my statement balance in full and do not wish for this account to be sent to collections. Despite my proactive effort to address the balance, Citibank has refused to reopen my account or provide a reasonable resolution.
Product: Debt collection

Credit report shows two collection agencies account, XXXX XXXX XXXX and Discover Bank. These are past statue of limitation and shouldn't be on the report.
Product: Debt collection

ICC System ( charter communication ) I disputed the referenced accounts on XX/XX/year> The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report inaccurate information on my credit report account is being reported late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

My account 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.

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: Checking or savings account

An SBA loan was deposit on my Chase account. After that Chase close my account and came to a conclusion that the SBA loan was not available for me. After closing my account supposedly they will sent the loan back to the SBA, but that never happened. I contact Chase, not only by phone, but also physically at one of their branches, but nobody was able to give me any information or solution to this matter. 
I have been in contact with the SBA customer service, because I received email and letters from them charging monthly payment plus interest fee, for a money I never received and it was supposed to be returned by Chase.

As a mention before the SBA confirmed that they never received the money.

The bank is ignoring all my requests from this matter and they still havent returned the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent I have no knowledge of these accounts and I would like them to be removed off my credit report. 

Company or Organization XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all this account was settled for half of it faced value {$4500.00}, I made 8 paymentsat {$100.00} per month as agreed. But the new account was never recorded. It has been almost a year since I have been making payments toward it but XXXX refused to update my account. I called them and asked them to correct the balance shows, they said yes but nothing was done about it. I would to see the balance agreed upon and credit for the payments I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.