23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, National Credit Adjusters reported a collection account for XXXX XXXX XXXX in the amount of {$820.00} on my credit bureau file. On XX/XX/XXXX, I sent a certified letter to National Credit Adjusters disputing the debt and requesting specific information be provided to me ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. In XX/XX/XXXX, the collection account was deleted from by credit bureau file. In XX/XX/XXXX, National Credit Adjusters began reporting the collection account again without notifying me. To date, National Credit Adjusters has never contacted me or sent any information regarding the validation of this debt. National Credit Adjusters has continued to violate the FDCPA regulations by refusing to provide me with any verification of the debt. In XXXX, National Credit Adjusters was sued by the CFPB for multiple violations related to their collection activities. National Credit Adjusters has a long history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. There have been 1217 complaints filed against National Credit Adjusters at the CFPB. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately. I have also filed a complaint with the Florida Attorney General requesting they investigate the deceptive collection actions of National Credit Adjusters.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVICES  BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Debt collection

Attempted to contact Indebted Debt Collection multiple times to discuss repayment or settlement of debt. Called XX/XX/XXXX and left voicemail requesting a callback. Called XX/XX/XXXX and spoke with a representative from the complaint department. They advised there was someone in the office who could contact me about the account and that they would reach out. Called XX/XX/XXXX and left an additional voicemail requesting contact.
Product: Debt collection

My newly bought vehicle was stolen and insurance paid off the remaining balance that was indicated by the loan comopany " XXXX '' After it was paid off, XXXX contacted me to collect XXXX Dollars
Product: Debt collection

XXXX I was being asked by affirm to pay {$1200.00}. This information was presented to me in a Truth in Lending Disclosure but the address in the top left corner is XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I provided this information along with a copy of my California drivers license which shows has my current address on it. The company stated that they will be doing a thorough investigation however in their thorough investigation, they failed to see that this has never been my address in the past 12 years and counting. I contacted Affirm again to ask what more can i show that this purchase was not made by me and i was met with response that their decision is final and they can not do anything more for me at this time without new evidence. I have exhausted all my evidence that would have shown that I never opened this account and that i should not be held liable for this fraudulent charge.
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed some incorrect accounts on my credit report, and I dont understand how they appeared. I frequently check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser to see if it was an error, but the inaccuracies remained. Given this situation, I ask for a thorough review of the documents I have provided so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX is reporting closed dates incorrectly on XXXX, XXXX and equifax On equifax it is reporting as XX/XX/year> on XXXX XXXX  it is reporting as XX/XX/year>. I have sent letters and also contacted them about this inaccuracy with no response. I am wanting this to be removed from all my reports.
Product: Credit card

during travel to XXXX we purchased train tickets for a portion of the travel. the train was significantly delayed and took 2x the promised amount of time. The merchant 's website outlines that trains are equipped with air conditioners and other amenities which our train was not. After the delay was announced we were not allowed to get off the train to look for alternative transportation methods and were held on the train without air conditioning for over 8 hours. we attempted to leave the train multiple times and were denied. I filed a complain with the merchant that the service was not delivered as promised through Chase. however, the company sided with the merchant for reasons that merchant refused to provide credit. Considering i was denied option to leave the train and/or cancel my service AND merchant has outlines quality of service that it provides, i believe my rights as a consumer were impeded. Additionally, it took Chase since XXXX to respond to this issue which seems very extensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Conn 's account that was 12 months same as cash. I paid it off in XXXX of XXXX. They are showing a XXXX  balance on the account, but that I have a payment due in XXXX of XXXX. Now they have reported the account as delinquent on my credit bureau. I have contacted them 3 times and been told the account would be closed, but it still has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that XXXX XXXX XXXX XXXX has reported this account as a charge-off and that XXXX XXXX was obligated to send me a 1099C form. I have called XXXX XXXX XXXX XXXX and have written them several times to no avail Has this company sent me this documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

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 XXXXXXXX * Theses accounts are inaccurate
Product: Mortgage

I have been approved for Georgia HAF program and they sent the ACH payment to my mortgage company, US Bank on XX/XX/23. US Bank received all the funds on XXXX to reinstate my mortgage ( {$11000.00} ) plus 3 months of future mortgage payments ( {$4500.00} ) for a total payment of ( {$16000.00} ). They still have NOT applied the funds to my mortgage account to reinstate it. There is a foreclosure sale date of XX/XX/23 and I still have no concrete answer from US Bank on when they're going to post the funds to my mortgage account so the sale date can be canceled. They have not even sent me a letter in the mail with info on the status of the foreclosure since they have the money. No one is giving me concrete firm dates on when I can expect the funds from the HAF program to be posted.
Product: Checking or savings account

I opened a Wells Fargo Everyday Checking account on XX/XX/2020 through a promotional offer by Wells Fargo. the promotion said Wells Fargo is offering a bonus of {$400.00} when you open a new checking account and complete the following requirements : Set up a direct deposit and receive a cumulative total of {$4000.00} in qualifying direct deposits over the course of the first 3 months. I met all these requirements in the first 3 month. however Wells Fargo closed my account on XX/XX/XXXX without any warning and refused to pay {$400.00} bonus. I called my local wells fargo branch and wells fargo customer service ( XXXX ), however they still refused to pay {$400.00} bonus although they confirmed I met all requirements.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I am submitting a formal complaint against American Express ( AMEX ) regarding inaccurate and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my XXXX credit report, I have identified multiple FCRA violations related to a charged-off account ( Account Number : XXXX ) ** that is being reported incorrectly. These violations are negatively affecting my credit score and must be corrected immediately.

1. Repeated Charge-Off Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) My XXXX credit report shows that American Express is reporting the charge-off every month, which artificially extends the negative impact of the account.

A charge-off is a one-time event, not an ongoing delinquency.

Repeatedly reporting the charge-off status each month misrepresents my financial history and violates the FCRAs accuracy requirement.

2. Inaccurate Balance and Past Due Amount Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) AMEX reports a charge-off balance of {$2300.00}, yet it also continues to report an increasing past due amount.

Once an account is charged off, it is no longer past due unless contractually allowed and actively being billed.

This contradicts standard credit reporting rules and creates misleading credit information.

3. Re-Aging of Debt Violation of FCRA 1681c ( a ) ( 4 ) The charge-off account is being continuously updated as if it is a new delinquency, which is illegal under the FCRA.

Negative accounts must be removed seven years from the original delinquency date.

By updating the charge-off each month, AMEX is attempting to re-age the debt, thereby extending the reporting period beyond what is legally allowed.

4. Failure to Properly Update Account Status Violation of FCRA 1681s-2 ( a ) ( 2 ) The charge-off status update in XX/XX/XXXX should have reflected a finalized charge-off, but American Express continues to update it monthly .

Under FCRA, once a charge-off occurs, the account must not be reported as if new delinquencies are happening every month.

5. Inaccurate Removal Date Violation of FCRA 1681c ( a ) ( 4 ) The estimated removal date is listed as XX/XX/XXXX, but it is unclear whether this reflects the true original delinquency date. 
If AMEX has improperly re-aged the account, the reported removal date must be corrected to reflect the actual seven-year timeline. 
I am requesting that the Consumer Financial Protection Bureau investigate AMEX for these violations and take corrective action. Specifically, I demand : Immediate removal of this account from my XXXX credit report due to unlawful reporting practices. 

Assurance that AMEX will comply with FCRA regulations moving forward and prevent further harm to my credit profile. 
If AMEX does not comply, I will escalate this complaint further by taking legal action under my rights as defined in the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I did not consent, nor benefit from, nor authorize the following account : SOUTHWEST CREDIT SYSTEMS LP- {$540.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Upgrade Inc for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus. 

I have an account with Upgrade Inc, with the account numbersXXXX. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Upgrade Inc has not provided me with the required Form 1099-C for the charged-off debt on my account. 

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations.

Additionally, I am concerned about the accuracy of Upgrade Inc 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Upgrade Incs failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Upgrade Inc complies with its obligations under the tax code and credit reporting laws. 

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Upgrade Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.
Product: Credit card or prepaid card

This complaint is in conjunction with my first complaint. Please refer to complaint # XXXX so I wont have to retype the information. Synchrony sent correspondence earlier today stating that they did not see a pending transaction in the amount of {$2200.00}. The pending charge is showing on my online account statement dated XX/XX/2020. A copy of that document is attached to this email. The Synchrony letter included a phone number to call if I had questions. I called the number and it was for a Synchrony Ashley account, which I do not have. I am exhausted trying to communicate with this company to get the issue resolved. I spoke with XXXX XXXX XXXX who processed the transaction via my Synchrony account, and they stated that they do not have access to correct this.
Product: Student loan

Federal loans discharged under XXXX XXXX  XXXX. Received partial refund in XX/XX/XXXX. Have not received remaining balance that is due today XX/XX/XXXX per settlement details. Called Ed financial and they can no longer see my account history or provide details on remaining refunds. Contacting ombudsman group has similar results. Filed multiple complaints with FSA and same outcome. I am missing a refund.
Product: Debt collection

I sent in 3 written request for Experian to remove the unverified collection account ( XXXX XXXX XXXX XXXX XXXX that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. In the results of the 3 investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. XXXX removed this account from my credit report because it's not my debt and its unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX-XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!
Product: Credit reporting or other personal consumer reports

I have noticed an address on my credit report that is not mine. I have reason to believe that this address is associated with known fraudsters. I have spoken with Experian about this false address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against the following creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). The attached documentation provides comprehensive evidence of the violations detailed below : FCRA Violations : Incorrect Date of Birth Incorrect Previous Addresses ( Multiple Instances ) FDCPA Violations : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX FCBA Violations : XXXX. XXXX Account Number : XXXX The violations outlined above have caused significant distress and hardship in my life. These inaccuracies have not only marred my credit report but have also impacted my ability to secure reasonable credit terms, obtain housing, and achieve my financial goals. I am deeply troubled by the fact that the incorrect information has been used to assess my creditworthiness, ultimately affecting various aspects of my life, including my emotional well-being. 

Allow me to share a personal story that exemplifies the extent of the damage caused by these inaccuracies. As I was in the process of purchasing a home for my family, I encountered insurmountable hurdles due to these false accounts and improper reporting. The dream of providing stability and comfort for my loved ones was shattered, and the emotional toll of facing this ordeal has been overwhelming. The stress and XXXX caused by these inaccuracies have strained relationships and created a constant sense of uncertainty in my life. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal protections put in place by the FCRA, FDCPA, and FCBA. I request that the relevant creditors promptly investigate and rectify the violations they have committed. Specifically, I urge them to remove the unverified accounts from my credit report, thereby ensuring an accurate representation of my credit history. 

I appreciate your attention to this matter and your commitment to safeguarding the rights and well-being of consumers. I trust that your intervention will bring resolution to this distressing situation and enable me to rebuild my financial stability. 

Thank you for your consideration. 

Sincerely, XXXX XXXX