23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter on XX/XX/XXXX dated XX/XX/XXXX from NCS, National Commercial Services, stating that I owed {$5300.00} and that I could use my tax refund to settle the account. I don't know what this is about and I tried contacting the company on numerous occasions. I was only able to leave a message once, and my call was not returned. All other calls went to a mailbox that was full. My lawyer sent them a letter stating that I was disputing this alleged debt. They did not receive a response. I was advised to file this complaint and also a complaint with the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR TRANSUNION 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you.

Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions and corrections.

Thank you,
Product: Vehicle loan or lease

On top of all this illegal title loan company Loanmart has send me illegal documents and sign my name to them. I have email 's showing I have not sign no documents with this illegal loan company. Last time I sign a document was when I received the loan in XXXX. Illegal put my credit report XX/XX/XXXX and sent me illegal documents saying I released my car. Just received these illegal documents in my email today XX/XX/XXXX but date on them is XX/XX/XXXX. They illegal took my car on XX/XX/XXXX illegal pull my credit also. Yes copy of the illegal documents that was sent to me today this claim i just file you just sent over to loanmart I got this illegal document in return I never got this document or sign it just received it today XX/XX/XXXX
Product: Credit card

I have an account with Chase Bank that has been in delinquent status over 7 years ; however, Chase Bank continues to report that the account is still within the 7 year statue of limitation by moving the last delinquent date of the account to keep the account current for collections. I have attempted on many occasions to get Chase Bank to validate their position on this and they have failed to produce any documentation to support their claim. Please investigate ASAP.Creditor Name : CHASE BANK CARDAccount Number : XXXXAccount Open Date : XXXX/XXXX/2008Account Delinquent Date : XXXX/XXXX/2008
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX 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 a 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.
Product: Money transfer, virtual currency, or money service

Transaction Details From : Cash App ( Square Inc. ) To : XXXX XXXX Date : XX/XX/2021 Amount : XXXX Location : XXXX, MN Since I was moving out of US, I had put a freeze on my Debit card, which caused the transaction to be declined from XXXX XXXX. 

The money was expected to be returned to my cash app or at least allow me to retry the transaction. However the amount is stuck at Pending state, so I can not use it. 

I tried reaching out to Cash app support which is non-existent outside US. Their XXXX support declined to provide any help or contact details like email/phone to release this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, I XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Checking or savings account

On Monday XX/XX/, I discovered that someone robbed my debit card information and stole {$470.00} leaving my checking account in the negatives. It occurred in six separate charges from the XXXX XXXX XXXX ( XXXX XXXX ) app. Whenever I order from them, my order always remains under {$10.00} so there is no way that it could've been me. I immediately called my bank, Citizens, and notified them of the fraudulent charges. The bank opened up an investigation and confirmed that the money would be returned once the investigation was completed. I'm writing this on the afternoon of XX/XX/, approximately 9 business days later and I still don't have my money back or an official update from the bank. I called the bank today for an update, and the employee confirmed that the investigation was completed and that they denied my request -- essentially saying that they won't be returning the money that was stolen. I had to open another claim today and now it seems like we're doing this from the beginning all over again. I feel like I'm being penalized for having my money stolen and it feels even heavier now that we're officially in the holiday season when money is tight. 

In addition to NOT returning my money, the bank also denied to provide me with a notarized/official letter which I need to file an official police report ( I was turned away at the precinct ). I went to the Citizens bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where the manager made me wait about 30 minutes to tell me that they won't be able to help me with that. They made me feel bad for even asking for a letter when we all know very well that other banks would've provided the letter without a hassle. 

I feel particularly vulnerable and helpless right now. Every where I've gone I've been met with disappointing " no '' after " no. '' I would appreciate any assistance with this. It doesn't feel right that I have to suffer the consequences of all that money being stolen. 

Thank you and XXXX XXXX. 

XXXX
Product: Credit reporting

Creditor is unlawfully reporting an account which is not legit not accurate on my credit report and refuses to cooperate with my request to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( 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, credit repair services, or other personal consumer reports

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed a {$41000.00} charge of from Pentagon Federal Credit Union. I immediately disputed this account with each Credit Bureaus and Pentagon. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with Pentagon due to being approved for a Car Loan through Dealership XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by Pentagon Credit Union and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to Pentagon Federal Credit Union. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way Pentagon was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the Pentagon, XXXX , and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although Pentagon responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing a specific collection account with  XXXX   XXXX   XXXX  for over a year with Equifax. I sent them documentation proving the debt was fictitious and I was mistreated and left to suffer with a collection account on my credit report for now over a year. The collection company got involved and told Equifax to remove it back in  XXXX     2016, the y are still reporting it. I 've attached that documentation. This violates countless laws and rights and is no longer going to be tolerated.     I disputed an account with  XXXX   XXXX  back i n  XX/XX/XXXX / XXXX  2016. As  a result of that dispute, the account was deleted from my file. It is now reporting again without written notice being given to me. Equifax is a repeat offender when it comes to this and will claim that the creditor re-inserted it. When I reach out to the original creditor, they state that they have not re-reported it to Equifax. IT is obvious that Equifax is the issue since the original creditor 's automated systems can not pick and choose which credit bureau to re-report accounts that are closed to. Equifax is the ONLY credit bureau it will report to again. If it was the original creditor, it would report to ALL   XXXX    credit bureaus.     My credit report is not accessible by myself using their credit monitoring products or many others, nor is it accessible to creditors and employers.     I submitted a set of disputes several weeks ago, and have yet to receive anything from Equifax stating that they are investigating those items.     When I call the department they 've placed my file with for assistance, I am mistreated and discriminated against. I recently called to get access to my credit file for my employer and while they claimed the issue was resolved, it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX
Product: Credit reporting or other personal consumer reports

I used XXXX 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted XXXX and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after XXXX  days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the XXXX days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called XXXX and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with XXXX. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.
Product: Mortgage

Good day! 

We are trying to escalate this file to Midland Mortgage because until now we don't have the short sale approval yet. We were informed on XX/XX/19 that it is conditionally approved and just need to submit some documents. We submitted the requested documents but the response is not handled in a timely manner. After waiting for several days or a week, they will tell us that another document is needed where they could have inform us the missing documents altogether so it can be submitted completely.

Until this very moment, we still don't have the approval letter. The company and the person in charge of the file has no sense of urgency. We might lose the buyer because he has been waiting for this file since XX/XX/XXXX. We hope that they can fix this asap and provide the approval letter.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I did a retirement roll over IRA from XXXX XXXX bank to First Citizens Bank in XXXX 2021 in XXXX Va.. Transferring appx. {$53000.00}. I noticed the first of XXXX that the account had only been change by a appx. a dollar or so a month. I called the bank to ask when earnings or any changes were posted t the account. I was informed that the sales agent was no longer with the bank ( XXXX XXXX ). At that time I spoke to XXXX XXXX who took over for XXXX XXXX. She asked me to meet her at the local bank on XXXX XXXX XXXX even though the bank was closed for the holiday. She told me my account was overlooked and nothing had been done. The stock had never been purchased. She said it had been reported and all necessary paperwork had been filed. I later askked for a copy of all paperwork and a copy of any correspondence. The only thing I have got in writing is a letter saying they are aware of my concern and they are working on it. It has now been almost 2 months since I discovered this and nothing has been done.Thank you I feel that it is time for me to notify you and any other Dept that may be able to help me. Please let me know what you can do to help me. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I printed my free credit reported and noticed several fraudulent accounts opened and reporting information that I did not sign up for. I immediately reported the fraud to XXXX XXXX and created a report. The theme with the fraudulent accounts is they were all opened online during the pandemic. 

Listed below are fraudulent accounts and inquiries. 

1. XXXX  XXXX - {$730.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX. XXXX XXXX Bank - {$480.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX - {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 4. Upstart/Finwise - {$2200.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 5. XXXX XXXX Texas- {$1500.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Hard Inquiries : 1. XXXX XXXX XXXX Inquired XX/XX/XXXX 2. XXXX XXXX XXXX Inquired XXXX, XXXX 3. XXXX XXXX XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in the reporting, amounts, and dates.