23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : COLLECTION/LATE PAYMENT RE : Partial Account Number : XXXX. 

To whom it may concern, I am aware that the FCRA allows for creditors and debt collectors to report to the Consumer Reporting Agencies however these reports have to be compliant and accurate at all times. My concern with the above mentioned account is this. It is reported on my consumer report that this alleged debt is in collections. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that NATIONAL CREDIT ADJUSTERS LLC will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, NATIONAL CREDIT ADJUSTERS LLC failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. 

Again, according to the FCRA, all creditors and debt collectors MUST be compliant and accurate when reporting and I feel that NATIONAL CREDIT ADJUSTERS LLC failed in doing so. This account is inaccurate and NATIONAL CREDIT ADJUSTERS LLC had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, NATIONAL CREDIT ADJUSTERS LLC is in violation of certain codes equating to {$1000.00} per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX : XXXX XXXX XXXX XXXX XXXX, in propria persona, sui juris With Prejudice
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, case # XXXX, '' According to First National Bank of Omaha XXXX FNBO is not longer actively involved in any collection efforts, and we are no longer reporting this account to any credit reporting gencies. Well, according to my credit report with XXXX, not only is it reporting, but it's reporting as a collection. Secondly, up until XX/XX/year>, Absolute resolutions/FNBO changed the removal date of this account from XX/XX/year> to XX/XX/year>, which is clearly illegal. Thirdly, FNBO is the original creditor, whom sold my information to Absolute Resolutions illegally, so therefore these are reasons to delete this account from my report. Absolute resolutions can not pass this account on to any other collection agencies.
Product: Payday loan, title loan, personal loan, or advance loan

told won free unit. in person visit. signed up for loan etc by false statements and coersion. experienced computer hack/lockup/data breach shortly after providing this company with ALL my information ie : SSN Bank information did NOT want this item TOO expensive I am on social security and now face possible identity theft and take over of my social security account. Can not pay this and tried to call to cancel but when finally got to talk, said 'PAST time to cancel so can not '' stated " first payment due XX/XX/year>. 
All negotiation was on my cell phone, could NOT see document, then computer hack and data breach - computer locked down. 

unable to attach photo of XXXX  paperwork but included the loan number above.
Product: Debt collection

Today-XXXX I received a Notice of Default and Right to Cure letter from Speedy Cash addressed to my late husband, XXXX XXXX . It stated he owed {$190.00} from a loan date XXXX/XXXX/XXXX. My husband died XXXX/XXXX/XXXX and was in ill health the last few years of his life. He did not drive nor did he have a financial reason to borrow from a payday loan company. I called the company -- the Customer Service person refused to state in what city the loan originated, the address of the debtor, or any information to actually verify my husband had made the loan. They wanted me to send a copy of his death certificate and the last XXXX numbers of his Social Security number -- I refused. They kept referencing federal laws as to why they could not disclose this information -- yet they wanted the {$190.00} or it would go to collections.
Product: Checking or savings account

This is my 10th attempt reaching out to someone about my account being restricted for more than 60 days which i was told it would be restricted for 60 days.

I've received a letter from XXXX stating she has my request but no progress has been made on my account or nor has anyone contacted me prior to all the information I've submitted proving I had my business for a little over 2 years. I've submitted several emails and I am just getting nothing with my account being frozen I am mentally frustrated and drained. This has cost me to lose out on my business and my personal life as well. I am now moving forward to take legal action against capital one. I have received several letters in the mail about claims I've submitted back in XXXX after doing my research capital one has wrongfully restricted my account and has tried to make it seem as I was doing fraud.
Product: Debt collection

upon reviewing my credit report I noticed a debt that I was not aware of. Contacted the company and was not able to confirm the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX & XXXX. I previously sent a dispute letter requesting the removal for both these account charge-off based on the XXXX form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( XXXX ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : XXXX. The method used to verify the accuracy of this charge-off. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 

The FCRA 611 ( a ) ( XXXX ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( XXXX ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Thank you for your attention to this matter.
Product: Credit reporting

CREDIT CONTROL SERVICE XXXX, phone # XXXX XXXX keeps reporting that I am past due on an account that was closed by the original creditor and was deleted from my credit report in 2016.
Product: Credit reporting or other personal consumer reports

It appears that 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a called from my niece stating someone had called my ex- boyfriend from XX/XX/XXXX and wanted to find me cause I owed some money and did n't show up for court. When I hang up I received a unknown called with a message I needed to call a XXXX with a case #. that I need to call back or they would take different actions. I called the number and they identified as an attorney office named XXXX XXXX XXXX. While I was on the phone they verified some of my name, last XXXX social, and address. they wanted to settle my account I had on XX/XX/XXXX or they were going to take me to court, garnish my money and seized or seize my property. sadly to say I did settle a monthly with $ XXXX monthly for 6 months gave them my credit card information. when I hang up my husband did more research and found out there is no company named XXXX that exist anymore. the only attorney named XXXX XXXX retired back in XX/XX/XXXX. I felt mad and ashamed, of me giving them my credit card information to take care of a bill I could not pay back in XX/XX/XXXX. I did cancel my credit card right away. I still do n't know till this day if this is even a real creditor company.
Product: Debt collection

This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with XXXX XXXX account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
Product: Prepaid card

On XX/XX/2023, my in-laws purchased two {$100.00} prepaid VISA debit cards at a XXXX in XXXX. 

The prepaid VISA debit cards are ( a ) issued by XXXX, XXXX, pursuant to a license from XXXX XXXX, XXXX ; ( b ) distributed and serviced by InComm Financial Services , Inc. ; and ( c ) sold by XXXX  online and in physical stores. My in-laws mailed these cards to XXXX  via the U.S. Postal Service. 

We opened the prepaid VISA debit cards on XXXX morning. We activated the cards, confirmed the {$100.00} balances, and set PINs for each card on XXXX, as directed on the back of each card and in the user agreement. 

We attempted to use the prepaid VISA debit cards online that day. Transactions with various online vendors, including XXXX, XXXX, XXXX, and XXXX, repeatedly were declined. We also attempted to use the {$100.00} prepaid VISA debit cards cards in physical stores on XX/XX/2023, but these transactions also were declined. 

On Thursday, XX/XX/XXXX, we attempted to return the cards to XXXX. XXXX refused the return, stating that their policy does not allow returns of VISA prepaid cards because so many customers have difficulty with them. 

We then called an InComm customer service representative at ( XXXX ) XXXX ( case ID # XXXX and # XXXX ). We were offered a replacement card within 7-10 days. InComm refused to send a refund, even though the customer service representative could not guarantee that the replacement cards would work. InComm also insisted that I provide a copy of my driver 's license, photos of the cards, and a receipt for the purchase, even though I explained several times that the cards had been a gift and the only proof of purchase was the card itself and the balance print out from XXXX.

An Internet search reveals numerous complaints about problems with XXXX/InComm prepaid VISA debit cards, including by consumers who used prepaid cards in lieu of a traditional bank account and then could not access their funds. As stated above, XXXX has instituted a policy of refusing refunds for prepaid VISA debit card purchases because problems with them have been so prevalent. 

This suggests something other than incompetence. Rather, the utter unusability of the prepaid cards in any store, combined with the nature and extent of these problems, suggests an intentional corporate strategy to accept money from consumers, knowingly issue a non-viable financial product, and then deny consumers access to their funds, relying on a lack of sophistication or will to get the money back.
Product: Money transfer, virtual currency, or money service

I have fallen victim to a widely reported scam targeting XXXX  XXXX XXXX customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX  XXXX XXXX customer service, spoofed the XXXX 1-800 Customer Service number XXXX and knew various account details with BOA. Upon reporting the scam to XXXX  XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX  XXXX XXXX, or BB & T bank have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " XXXX XXXX '' app. No one from the California EDD office has returned my calls or e-mails. Recently I was contacted by XXXX  notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Product: Mortgage

I entered into a COVID foreabrance under the CARES act in XXXX. I called my mortgage bank, Flagstar Bank, in late XXXX, early XXXX and told them I would like to exit my forbearance on XXXXXXXX XXXX. I filled out a loss mitigation package over the phone and was told in 4-6 weeks I would hear back with an approval. I was also instructed NOT to make payments until the package was recieved and approved. I did not recieve a package, so I made the regular mortgage payment to be deposited by XXXX XXXX  to avoid accruing any additional debt, and to show good faith in my effort to pay back the loan. XXXX waited approximately 2 weeks ( XXXX ) before sending me a letter stating the check I wrote them was incorrect and unable to be deposited. I followed the procedure they outlined in the letter to retrieve the check back, and in the meantime sent another. They have refused to deposit that 2nd check as well, or even acknowledge reciept of it. I also recieved a letter in the mail just before XXXX that I was going to be in default of my loan on XX/XX/XXXX. I called them, and when I got ahold of a representative she made no mention of what happened to my previous loss mitigation package, just that I would recieve one within 3-5 days. After XXXX I called again and spoke to a third representative, this time he stated my loss mitigaation package was denied back on XXXX XX/XX/ 2022 and they sent a letter. I explained that I never recieved any indication, their last rep didn't tell me it was denied, and that we need to figure something out quickly because under the CARES Act I am not to pay the entire past due balance in a single payment. He replied with, " Well we sent you a letter back then, so there's that. And the CARES Act is over. So you they're wrong. '' I tried explaining that on the CFPB 's website, on the VA 's Website, on any government website that explains provisions of the CARES Act for VA Home loans- ALL of them continue to spell out, in no uncertain terms that I am NOT liable to pay the entire past balance in a single payment, with no date assigned to end that provision. His reply was simply that Flagstar was following the law, and no matter what the government says, I need to pay the entire past balance or go into default. 

I have documentation proving I was never informed of a loss mitigation package being denied, and it even appears they never truly accepted my application. According to my account page on their website the only indicator for any loss mitigation is that I applied for an application on XXXX XX/XX/2022?? 

Whenever I speak with them on the phone they do not connect me with representatives in a timely manner, when I do reach a rep they give me false or differing information from one another, and that my account page with them does not accurately reflect almost any step taken in the process. They have still yet to return my first check as requested, or deposit my second check for the month of XXXX, willfully attempting to ruin my perfect credit and increase my debt. Also, that they adhere to certain provisions of the CARES Act while also claiming it is no longer valid, and then entrapping a XXXX veteran.
Product: Credit card or prepaid card

I have been a Synchrony Bank Amazon Card Holder for over 7 Years. They abruptly closed my account stating Activity on account with Synchrony bank was indicative of high risk of failure to pay. I have spent Hundreds of thousands of dollars and have never made a late payment on any Synchrony account in my life. My credit score according to their on credit XXXX shows I have a XXXX XXXX XXXX. 
How can I get a human to review this decision. I would like to get my Account reinstated or at the very least get the {$4800.00} Amazon Rewards Points I had rightfully accumulated returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts due to identity theft : XXXX XXXX  XXXX XXXX XXXX XXXX I have submitted my police report along with my identity theft affidavit. Equifax reported back and said these accounts were verified after I clearly submitted a police report and identity theft affidavit. I have already started the intent to sue process and I want these accounts deleted ASAP. The XXXX XXXX has like 2 years of non reported entries and that is clearly a sign of not report accurate information which is a violation and I plan to get monetary damages. I have proof that you sent me a template verified letter back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX has violated my rights. 15 U.S.C section 602 A States I have a right to Privacy 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX