23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint and Dispute Against National Credit Systems , Inc . 
Dear CFPB Representative, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX regarding a collection account they have reported to the credit bureaus for the alleged original creditor XXXX XXXX XXXX XXXX, with a balance of {$8400.00}. This collection agency has violated multiple consumer protection laws and my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that the CFPB take immediate action to investigate and enforce compliance. 
Violations Committed by National Credit Systems , Inc . 
XXXX. Failure to Provide Debt Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) * XXXX XXXX XXXX has failed to provide the legally required validation information regarding this alleged debt. Despite this, they have reported the account to the consumer reporting agencies, which is a direct violation of XXXX XXXX under the FDCPA. 
XXXX. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) * I have not received a Notice of My Right to Dispute this debt before it was placed on my consumer credit report. This omission denies me my statutory right to challenge or verify the validity of this alleged debt. 
XXXX. Use of False, Misleading, or Deceptive Collection Practices ( 15 USC 1692e ) * The collection agency has misrepresented the status and validity of this debt by reporting it without providing the required notices, which constitutes deceptive collection practices.

4. Unlawful Credit Reporting Without Proper Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) * The collection agency has no legal authority to furnish this account to consumer reporting agencies without first providing the required disclosures. Their actions violate FCRA regulations and Regulation F, which mandates specific notices before credit reporting. 
Requested Action Given these serious violations, I am requesting the CFPB to : * XXXX XXXX XXXX XXXX XXXX XXXX for noncompliance with Regulation F and the FCRA. 
* Require the collection agency to immediately remove this erroneous account from all consumer reporting agencies. 
* Impose penalties and ensure the collection agency ceases unlawful collection activities. 
* Ensure that all consumers, including myself, receive proper validation and dispute rights before negative credit reporting.
Product: Debt collection

Back in 2018, I disputed this account directly with Portfolio Recovery Associates ( PRA ) and requested validation of this debt. Once I received validation and verified  this was a legitimate account, I made payment arrangements with their office to pay this account in full by making monthly payments. On my credit report, this account is reported as " Dispute resolved ; customer disagrees ''. I never once relayed to PRA that I disagreed with the final outcome of the dispute. I obviously did not disagree because I made payment arrangements and continue to make monthly payments.
Product: Credit card or prepaid card

American express magnet card say 15month APR & XXXX Credit when XXXX 1st 3 months. but i didn't receive any. i didn't verify for long time and one day start notice my balance not went down and downloaded statement then i noticed interest charge. i called so many to fix but they not accept and not agree ticket # XXXX. i never got many declaration or pop statement say no apr or not statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My Experian account was taken over by a fraudster. They changed the email address and phone number that my account is linked too. I can not get in touch with a representative from Experian to straighten this out. They don't have an email address or a chat capability. Their phone number leads to a virtual assistant that doesn't understand what I am requesting and hangs up on me. I am being told my credit report is frozen when I went to apply for a credit card and I can not unfreeze it because my account was taken over. I am very nervous about what else was done with my credit if fraudsters can take over my credit report accounts. I tried to contact Experian through their feedback ( survey ) tool on their website and through XXXX as well. Thank you for any help you can provide for me to get this nightmare resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint XX/XX/XXXX.Three days later the dispute was closed. I sent documents proving that the information was invalid from XXXX XXXX XXXX. I have disputed a few times with XXXX XXXX XXXX. They are making up this amount and have no proof. I have proof from XXXX XXXX on the amount. When the reports do not match accurate information it should be removed from the credit report stated by the Fair Report Credit Act. This company has not removed the report and opened up another dispute.
Product: Debt collection

I received a letter stating it was a follow up letter from ARS ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XXXX XXXX 2017 and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.
Product: Checking or savings account

I went to the location of : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX today, so that I XXXX request XXXX withdraws, after making a total of XXXX deposits. XXXX of the deposits : would have been made to another persons checking account. Upon speaking with the male that answered the XXXX XXXX, I was informed that " You will need to have your drivers license for the withdrawal. '' As a repeat customer, I am well aware of this. As I have not visited this Branch, no any other Branch without proper identification. Afterwards, the male employee did not provide the transactions slips as requested. He did however, return to the speaker with the following question : " Are you plaining to make the withdrawals at this taken, as we can not provide these forms to leave the Branch, if you don't plan to use them at this time? '' It was at this point that I kindly informed the Representative that " you XXXX disregard my request and have a good day. '' Reasoning, this is an ongoing issue with this location and with Cadence Bank XXXX locations in XXXX, XXXX XXXX. I have kindly attempted to refrain from filing any complaints about either locations, but the deplorable customer service needs to be addressed. As record would indicate : this is not my first complaint against : Cadence Bank. It seems to be a pattern of conduct, that I am not able to receive the services that other customers hopefully would receive and that treatment appears to differ. The employees full name and XXXX XXXX was requested. Per the Representative that answered the phone : " The Branch XXXX  stated that the last name and title would not be provided. '' The only information that I was provided was the name of " XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I opened a Citi Business Streamlined Checking account ( ending with XXXX ) at one of their branches located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX since they were running a promotion that after deposit $ XXXX within 30 days and keep the fund for 60 days I should receive a bonus of {$1000.00} within 90 days. I opened the account with one of their bankers and deposited $ XXXX  on XX/XX/XXXX. I kept the $ XXXX in my account until XX/XX/XXXX ( after almost 90 days ) and called Citi to check my bonus status. I was told that they would investigate it and gave me a case # XXXX. However in the following months until today ( XX/XX/XXXX ) I still have not received the bonus. During this time I made several calls to the bank and wrote emails to the banker in the branch to check my case status. The banker was helpful by checking with the bank but all the response I got was that I've met all the requirements and should be qualified to receive the bonus and I should receive it by the end of XXXX. I then patiently waited until the end of XXXX which has been well passed 6 months and no surprises I still have not received the bonus from Citi. I'm very disappointed by Citi running fraud promotion by getting people sign up for their account then refuse to pay out the bonus as they promised. I trusted Citi by putting my hard earned money into their account but Citi does not seem to like to honor their own promise.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items is being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEMS? I believe you have n
ot verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Good Evening! 
I took out a payday loan with Americash Loans about 4 years ago. The loan was for {$500.00}! Now my wages are being garnished for {$3000.00}!! This is insane and not heard of. I had 2 other loans that I fell behind on and they stopped the interest and let me pay. I am just disgusted and cant believe they are able to do this! Please help!!!
Product: Student loan

CFPB, Navient is stating that I have a payment due for XX/XX/2021even though the forbearance has been extended through XX/XX/2021.

" Secretary DeVos Extends Student Loan Forbearance Period Through XX/XX/2021, in Response to COVID-19 National Emergency ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to XXXX approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a credit score under XXXX, I can't reverse things due to stress and my XXXX disorders, didability doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.
Product: Debt collection

In mid  XXXX  I cancelled my  XXXX   XXXX   XXXX  home phone service.My bill was automatically deducted from my  XXXX  checking account. When cancelling I agreed to a service with  XXXX   XXXX   XXXX  to hold my present phone number for a year for  XXXX  dollars a month. When I cancelled I checked and my home phone could not receive or make outgoing calls from the date I cancelled. In  XXXX  I received a phone bill for service from  XXXX  to  XXXX   XXXX   XXXX  for {$71.00}. My phone was shut off in  XXXX  and did not make or receive any phone calls.On my phone bill dated  XXXX   XXXX  to  XXXX   XXXX    XXXX   it list a payment received for $  XXXX  the same bill it list a credit owed to me for $  XXXX  .I la ter received a check for that amount I called  XXXX   XXXX   XXXX  and asked  how I c ould owe money and be owed money at the same time. They said they would take care of it  XXXX   XXXX   XXXX  to  XXXX   XXXX    XXXX   my statement listed a charge of $  XXXX  ..It listed  a credit of {$46.00}, an adjustment of {$140.00} and a balance of {$100.00}. It list a refund of {$46.00} paid to me by check.It listed a return check of {$71.00} and a returned check charge of {$30.00}. I did not receive any checks for {$71.00} nor did my checking account where my bills were automatically taken from list any deposits fro  XXXX   XXXX   XXXX  into my account. The important thing to remember is my phone was shut off in  XXXX  and should not have been billed any charges other than the {$5.00} fee for holding my phone number for a year. Incidentally I also cancelled this service in  XXXX  when the billed my for a full month of usage for a disconnected phone.I paid my full phone bill in  XXXX  and should have only received a bill for a partial month up to the point of cancelling my phone service.In  XXXX  {$24.00} was taken from my account for what I presume to be a partial months service from  XXXX  until the day  XXXX  cancelled in  XXXX . My  XXXX  phone usage bill was paid in  XXXX , My  XXXX  partial month usage bill was paid for partial use in  XXXX  and from that point no charges should have  been.owed.Where  did the {$71.00} charges come from and then charge me for a returned check fee of {$30.00} for phone usage on a disconnected phone They referred the {$100.00} bill t o Diversified Consultants Inc   XXXX   XXXX   XXXX ,  XXXX  FL.  XXXX   XXXX , Phone  XXXX   XXXX . I sent them a check for {$100.00}. .My phone account number is  XXXX   XXXX   XXXX   XXXX   XXXX . My Name is  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ohio, XXXX , Cell phone  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX {$4800.00} XXXX {$250.00}
Product: Mortgage

In XXXX I filed for mortgage assistance and received paperwork that would change my mortgage payment to XXXX per month and HUD would cover portion of the claim. At the time I was over {$6000.00} past due. Due to some serious personal issues, I failed to return the paperwork by the due date but faxed the information back anyways. I received a denial letter dated XX/XX/XXXX stating they were unable to offer me mortgage assistance because the signed documents were not returned. I proceeded to file again and was offered a way worse option. I was informed that my payments would increase to XXXX, my loan would be refinanced with a higher interest rate. When I purchased my home in XXXX of XXXX, I had a fixed rate of XXXX. The new terms changed my rate to XXXX and changed my maturity date from XX/XX/XXXX to XXXX/XXXX/XXXX. If I was unable to make the previous payment, why refinance my loan with a higher interest rate, payment, and increase my maturity date. I filed the modification to help me reduce payments and I want to keep my home. I had a relationship that resolved that left me with a huge debt, in household income and XXXX children to take care of. I also had XXXX children that caught XXXX, digital learning had begun and bills begun to pile up. If HUD was willing to provide the previous offer, why was I not allowed to be offered the same offer of XXXX when I reapplied for the modification? I went online to view my documents related to all of my modifications and was unable to see any of the documents that were sent out to me or the documents that I sent in. I was forced to accept these terms due to me not wanting to lose my home and be homeless with XXXX kids. I think that the actions taken against me was unfair.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that EXPERIAN XXXX XXXX has failed to uphold this standard regarding the following items on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - Status showing AccountCharged Off. 
XXXXXXXX XXXX XXXX - Status showing Open. 


The information listed above is inaccurate and negatively impacts my creditworthiness. I am requesting that you conduct a reasonable investigation of these disputes, correct or delete the inaccurate information, and provide me with an updated copy of my credit report once the changes have been made. 

I expect a response within the XXXX period as required by law. If these inaccuracies are not removed, I will consider all available remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I did not authorize. I have always wondered how someone could get access to my credit report and now I know. Equifax has confirmed that I was XXXX of the people affected by the XXXX and now someone out there has my credit information. I would like for them to delete these unauthorized inquiries ASAP. 

XXXX Inquiries XXXX : XXXX XXXX Inquiry : XX/XX/XXXX -  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Inquiry : XX/XX/XXXX + XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Loans XXXX. 
XXXX Inquiry : XX/XX/XXXX + Complete Dept. XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Unions XXXX Inquiry :XX/XX/XXXX + Complete Dept. Stores US XXXX Inquiry : XX/XX/XXXX + All Banks ASSOCIATED CREDIT XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions XXXX Inquiry : XX/XX/XXXX +
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX XXXX USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.