23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against National Credit Adjust/NCA regarding their collection practices, which I believe are in clear violation of my consumer rights as stipulated under relevant federal regulations.

I just discovered an entry on my credit report attributed to [ Account Number : XXXX ], indicating a debt collected by National Credit Adjust/NCA . However, to my utmost surprise, I have never received any written notification of this debt from National Credit Adjust/NCA as mandated by consumer protection laws. If National Credit Adjust/NCA believe that I was given proper notification, please provide me with a copy of the certified receipt with my signature on it. According to 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide consumers with validation information upon request, yet I have not been provided with any such information.

Furthermore, National Credit Adjust/NCA has failed to give me an opportunity to dispute the account, a right guaranteed to me under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite repeated attempts to obtain validation information and dispute the account, I have been met with silence from National Credit Adjust/NCA .

Moreover, it is evident that National Credit Adjust/NCA has resorted to false, misleading, and deceptive means in their collection efforts, which is a direct violation of consumer protection laws. Such practices undermine the integrity of the debt collection process and infringe upon my rights as a consumer.

Additionally, National Credit Adjust/NCA has unlawfully furnished this account to consumer reporting agencies without providing me with the necessary disclosures required by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally requesting that National Credit Adjust/NCA immediately delete the entry pertaining to account number [ Account Number : XXXX ] from my credit report. I also demand that National Credit Adjust/NCA cease all collection activities related to this account until such time as they can provide the required validation information and adhere to all applicable consumer protection laws.

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX P.S. XXXX  the information for National Credit Adjust that is showing on my credit report is National Credit Adjust XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX
Product: Credit reporting or other personal consumer reports

Creditor Name : Bank of America Account Number : N/A I have discovered that Bank of America has incorrectly reported this account as a charge-off. This information is inaccurate and does not reflect the true status of the account. Furthermore, this item had previously been deleted from my credit report, yet it has been reinserted without proper notification as required by law.

According to 15 U.S. Code 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The failure to do so in this case is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which further violates my rights under the FCRA. 

I request that you promptly conduct a thorough investigation into the reporting of the payment status of this account and take immediate and decisive action to rectify these inaccuracies and ensure that the incorrect charge-off status is removed from my credit report. A fair resolution to this matter would entail marking the account as " Paid as Agreed '' or " OK '' to accurately reflect the true payment status.
Product: Vehicle loan or lease

On XX/XX/XXXX, we returned the XXXX to XXXX XXXX XXXX XXXX ( XXXX ) ( dealer ) which we were leasing and in exchange for a new lease on a XXXX. We decided to seal the deal based on the dealer 's offer to terminate the lease on the XXXX without having to pay the remaining lease for 3 months. Hence, we were required to make only the {$1000.00} down payment for the XXXX. On XXXX XXXX, we got a call from Infiniti Financial Services ( IFS ) claiming that we still owe money on the XXXX. On XXXX XXXX, I talked to XXXX XXXX of the dealership saying she talked to XXXX of IFS who resolved the matter so there wo n't be anymore calleXXXX from IFS. However in XX/XX/XXXX and other letters I was getting End of Lease Liability Statement showing we owe the 3 months lease payment. I talked to XXXX of IFS and then to XXXX of XXXX and then XXXX of XXXX who have all assured me that the matter will be resolved. In XXXX, I emailed XXXX to help me with the agonizing predicament and XXXX XXXX XXXX, the General Manager said he would make sure that I get the assistance that I need. Then to my surprise, I got a collection letter from XXXX XXXX XXXX. Please help me. I feel being harrassed for something I do not owe. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called me with misleading information advising if I paid them {$100.00} a month for 4 months they would remove all collection debt from my credit report. They asked me for more than one credit card with the 3 digits on the back of my card. I know this is against the law. Then they gave me a fake credit score and credit rating. XXXX extension XXXX out of XXXX, UT location stated his corparte location is XXXX XXXX XXXX, UT advised me I had to pay him for up to 4 months to have things removed off my credit that has already been paid and unpaid. I ask to have the vaidility of his comnpany sent to me in writing or by email. He had my business email address which I have never given him or used on any of my personal accounts. When I rewquested to have it removed he still sent an email to mu business account and not my personal account. Then when I called the comapny back they stated there is no employee there by that name or extension I am requesting to have this looked into I think I am a victim of fraud and idenity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from XXXX XXXX several years ago who changed their name to Mariner Finance. I filed XXXX XXXX bankruptcy in early XXXX and the debt was included in the bankruptcy process. The total amount paid to them by the chapter XXXX trustee was {$1100.00}. My bankruptcy was successfully XXXX on XXXX and closed on XXXX. 
This company is showing a past due balance of {$2500.00} as of XX/XX/XXXX and negative accounts status. I filed a dispute with XXXX and received the following response : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So, Mariner ( a.k.a once XXXX XXXX XXXX is refusing to update the information and reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX circle address should be in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXXXXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX  : XXXX XXXX. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7XXXX XXXX XXXX XXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX  XXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/XXXX [ XXXX ] 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 consent/instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to the CFPB because I have had a lot of issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit the complaint to LOANDEPOT.COM LLC regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. 
My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false unverified and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit card or prepaid card

Chime bank had dinied my claim if fraudulent charges by not refunding my account after my house was vandalized and police report was filed but they havent even get in touch with police to reconsider their denial this charges were made into my account with out my consent and all my savings were gone from My unemploymennt insurance 59  charges were disputed and they hasve failed to comply with it
Product: Debt collection

Capital One credit card is trying to penalize me on something that I try to dispute. Did not want to proceed on with the dispute of my lost credit card that was used out of states. Now they aren't trying to charge me for the diligence on the credit card that was not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  ) was paid in full, I did receive written and phone verification that loan was paid in full and satisfied on XX/XX/2023. I had contacted XXXX  and requested that they release my information to the credit bureaus so my credit score will be increased as I am awaiting a new loan for a new house. I was told that the info was sent to the bureaus on XX/XX/2023 ( but according to the bureaus, that is not true and the 3 have not received any notification ). I contacted XXXX  again and requested again to be released ASAP as this issue is holding up my credit score increase and ability to get best loan rates and approval. I have already lost almost 2 months and chances on real estate were sold to another as I cant secure the new loan at this time. I know that Federal Banking Regulations require them to continue to report every 30 days on a loan and the fact that they are in violation is harming my credit and chances to secure a new home loan. I also understand that XXXX has a history of complaints and violations against their entity. I respectfully request that this entity be held accountable to fullest extent as they continue to violate regulations. Thank you
Product: Bank account or service

In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several investigations and according to the law 15 US code 1681ito Transunion and I have not had a fair, accurate and complete investigation. They sent me back the results within a day or two which makes me believe they haven't spoke to anybody or confirmed any of the information listed in this complaints are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Three accounts that are reporting on XXXX, XXXX  and Experian. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX CARD showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX  AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED ANS XXXX PLEASE
Product: Vehicle loan or lease

In relation to the overpayment paid to Ally Auto Finance after the theft of my leased vehicle. 

The car was purchased at {$48000.00} I made a substantial downpayment {$12000.00} ( approx 25 % of the value ). I intended to purchase with a final payment at the end of the lease. 
Amount financed {$33000.00} by Ally Auto Finance. 

The car was stolen in XX/XX/XXXX and a claim was made to XXXX XXXX XXXX. 

I understand the amount paid by XXXX XXXX was {$38000.00} XX/XX/XXXX to Ally, yet the amount owed to Ally as of XX/XX/XXXX was approximately {$28000.00} leaving an excess over {$10000.00} ( Approx ) I did not receive any overpayment from Ally, I believe that may fall under the " Unfair Settlement Claims Act '' Additionally, the XXXX XXXX representative told me before I excepted the claim that I would receive the difference between the lease amount and the value of the vehicle by check. 

I was NOT advised by the car dealer or Ally at the time of purchase that a {$12000.00} downpayment would be lost if the the car was stolen. ( If this was the case I would have put the {$12000.00} in a savings account to pay towards the monthly amount ). 

I emailed Ally twice for support and some explanation and there was no response, I called numerous times, there was no support given. 

Many other consumers cons also be financially at risk between finance and insurance companies. I believe this is an unfair settlement practice. In my opinion the overpayment should be paid to me as I made a large downpayment approx 25 % of the vehicle value. If the finance company keep the over payment, then I feel it is unethical that they should also keep my deposit {$12000.00} deposit.
Product: Credit reporting or other personal consumer reports

Approximately 3 months ago I had placed a dispute with Experian about this agency placing false information on my report, got deleted and once again it is placed on my report. XXXX XXXX XXXX XXXX. Experian continues to allow this. This is ridiculous. No proof, no contracts, nothing! Experian is allowing this to happen. This is against the law, under FCRA. I have been a victim of identity theft. Experian I know you received my pervious complaint. Now Im Sending a police report. Please stop Doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries where made on my account that i did not authorize. I have called both XXXX, Equifax and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX November 16,2017 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX
Product: Credit reporting

I 've had my past rental history checked by large and small rental services and I 'm told that I have evictions on my record. I 've never been evicted. It appears that because I was late with my rent some years ago in XXXX ... I was put on an eviction list ... or something to that affect. But, I was never evicted or even close to it ... I never even got a full month behind. But for some reason I show up as having had evictions. The credit reporting agencies for rental info is reporting incorrect/incomplete information. This has caused me to remain stuck in a less than desired apartment for fear of being rejected for rental again.
Product: Consumer Loan

I purchased a vehicle in XXXX 2011 that I put XXXX down on to rebuild my credit I was XXXX told it would be XXXX then told that it was not available on that vehicle it would be XXXX I was not happy but was planning on paying car off early so went ahead. I got the loan through Ally from XXXX I made my 1st payment higher than required and in same month made XXXX toward principal I made payments on line and it did not look right so I called. i told them this was a principal payment and since they do n't show it on there online payments do I need to mail instead. I was told just call and it will be corrected. I made numerous payments early and three principal payments and feel that Ally did something to somehow keep interest not allowable. I refinanced loan that they say was still over XXXX when I only had loan 2 years and paid off app ; XXXX of XXXX which I believe balance was around XXXX @ XXXX
Product: Checking or savings account

XX/XX/2018 an electronic payment was made from my BB & T checking account to XXXX XXXX mortgage. This payment was made from a newly opened checking account as previous checking account was under investigation due to fraudulent activity. My records indicate that the electronic payment of {$770.00} was made over the phone with a XXXX XXXX customer service representative, but XXXX XXXX does not have a recording of the call or any notes. BB & T after some investigation, sent a fax to XXXX XXXX detailing the transaction. BB & T stated that the payment was made via the BB & T bill pay system-I was not aware of the details that BB & T sent to XXXX XXXX XXXX BB & T did not send me the information. I had requested from BB & T details of the transaction and explained the discrepancy. The customer service representative stated again that the payment was made through their bill pay system. The first time a person uses the BB & T bill pay system, that payment is sent via paper check. BB & T does not have any record that a paper check was sent, and the representative could not find any other bill pay payments that were sent, that would have been the first and paper check sent. The BB & T representative stated that no further details could be provided or researched as all of those records have been destroyed. My understanding was the banks were required to keep records for 5 years. This information is imperative as the alledged fraudulent activity on my checking account, BB & T confirmed the fraud. After opening a new checking account, the old checking account that the fraudulent activity happened, BB & T stated that I had to leave that account open. In doing so, and the fact that my payroll deposit could not be rerouted or stopped for XXXX days, additional monies were deducted from the account. My records indicate the name of the XXXX XXXX customer serv rep I spoke to when I made the payment, but XXXX XXXX does not.
Product: Credit card or prepaid card

I had tickets for an event which happened on XX/XX/2017, two days before my XXXX family members became sick and were not able to travel and attend that event. I have submitted a claim for {$970.00} under my Citi Card Benefits and it was assigned the Request # XXXX on XX/XX/2017. I have provided all requested documentation to support my claim, including doctor notes. I have contacted the Citi Benefits about this claim 4 times, and every time they made me resubmit the same documents all over again. Last time the Citi CSR requested a proof of tickets cancellation, which can not be possibly obtained since those tickets were non-refundable and non-returnable, therefore no a way to get any cancellation proof.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically. cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am reaching out to you concerning the compromise of my social security number. I have become a victim of Identity Theft. I have already contacted the Federal Trade Commission and lodged a complaint with reference number # XXXX attached, as well as reported the incident to the police department. Kindly block and delete all the information related to my credit report and send me an updated copy of it. The following items is not mine. 
result of unauthorized fraud : 1. The following account is not mine XXXXXXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft. Please investigate and remove from my credit report.
Product: Mortgage

We are in the process of re-financing our mortgage with a new lender. We informed Dovenmuehle Mortgage of this fact on XX/XX/2019, and requested they cancel the auto-draft for our XX/XX/XXXX payment. They agreed to cancel the auto-draft. Well, they drafted our checking anyway on XX/XX/XXXX. When I called about it they said the only recourse we had was to have our bank reverse the draft, which we did. Dovenmuehle began the late payment and collections process immediately, despite a 15-day grace period, and despite being told our situation with our refinancing process. The closing on our new loan was delayed until XX/XX/XXXX, and is now closed. We received a Delinquent Account notice, despite the fact that the loan is not delinquent until 30 days have passed. I called them on XX/XX/XXXX to explain that the refinancing had closed and they should receive the payoff on XX/XX/XXXX. I asked their representative to stop send delinquent letters, and to stop using the term delinquent. She became rude and began talking over me when I complained.
Product: Credit card

I prepaid a facial treatment package from a local business back in 2022. When I try to make an appointment for my facial, I found out the business permanently closed. 
I went to the business XXXX page found out a lot people prepaid package and found the business vanished. 
I filed a dispute on the credit card. 
However, the credit card company SYNCHRONY BANK response back to me with need to go to merchant for the credit, and had no proof that a credit is due. 
I also filed a police report regarding the fraud. I try to contact the nurse who used to work at the business, and found out the business just vanished suddenly and no one can find it.