23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Recovery Agency??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XXXX credit/ XXXX XXXX inquiry date XXXX on my experian credit report ran a hard inquiry, i called them XXXX, i didnt authorize this, i had no account or purchased anything thru them, they have nothing on their computer system about me, i put a secuirty freeze on my credit reports suspision of possible fraud, i cant get experian to remove this inquiry from my report, nobody can shiw me proof with my signature approving this, i want and demand this removed from my credit report or proof that i authorized this
Product: Credit reporting, credit repair services, or other personal consumer reports

On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. Transunion, XXXX and XXXX  have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.
Product: Vehicle loan or lease

XXXX XXXX 2017 i have see it on my credit report, prestige financial was report me as repossession, even though i was sold to the XXXX XXXX, if they wasnt take the deal, XXXX XXXX would return the car for me, but XXXX XXXX has never contact me about the car need to return, and prestige was just deal with them without my permission, or place me on repossession. which is unacceptable. if the XXXX XXXX call to come and get the car back i would went to pick up the car with them, without XXXX XXXX call i cant do anything since i have sold the car to them. i want them to remove the repo off my credit since it 's not my fault. they both deal with each other without letting me know that they are processing to repo. sold the car but repossession on the credit report without knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXXXXXX XXXX XXXXXXXX Account XXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. Credit score has been impacted negatively.
Product: Checking or savings account

Regarding the wire transfer in the amount of {$730000.00}, sent on XXXX XXXX that was sent to XXXX XXXX XXXX XXXX from XXXX XXXX. 

On XX/XX/year>, the account holder, XXXX XXXX, at Bank of Oklahoma received a notification from the bank requesting that he speak directly with the banks attorney. It remains unclear whether this request pertains to a phone call or an in-person meeting. 

Previously, XXXX XXXX had requested proof of fraud from the bank regarding a wire transfer, but his requests were allegedly disregarded or ignored multiple times. This deviation from standard banking practices raises serious concerns. 

Banks are legally required to provide transparency in transactions, including furnishing evidence when fraud is alleged. Under U.S. banking laws and consumer protection statutes, denying a customer access to such information without justification could be a violation of due process and fair banking practices. The banks refusal to provide proof of fraud while simultaneously pressuring the account holder to meet with legal counsel could be interpreted as coerciona tactic that may be intended to intimidate or manipulate the account holder into compliance without proper justification. 

Coercion in financial matters can be considered a violation of consumer rights under laws such as the Fair Credit Billing Act ( FCBA ) and Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibit unfair, deceptive, or abusive acts or practices ( UDAAP ). Furthermore, if the bank is deliberately withholding evidence while exerting legal pressure, this could constitute bad faith dealing and potentially a violation of contractual and fiduciary duties.
Product: Credit reporting or other personal consumer reports

I discovered incorrect inquiries on my credit report as per 15 USC 16c-2. These were not authorized and are negatively impacting my credit. Kindly remove them. Thank you.
Product: Debt collection

Chase sent me a letter dated XX/XX/XXXX that is an attempt to collect a debt. I called to verify that I was on a cease and desist list. I spoke with ID : XXXX and XXXX. XXXX confirmed that I was on a cease and desist list, but then asserted that they can still contact me. They attempted to transfer me to some random department to speak with someone. Speaking with anyone is clear violation of cease and desist. I am a victim of a crime and I'm receiving anonymous threats, Chase is harassing me and is not respecting my rights. They may be involved in criminal activity, and if they are it will be exposed during the trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Performance Management is inaccurately reporting on my credit. I satisfied my financial obligations with the original credit and there should have never been a balance reporting or sold to a collection agency. I have attached my proof of payment to the original credit AND even attached proof of a letter directly from the original creditor. Please delete this account from my credit asap.
Product: Debt collection

XXXX subimitted as additional to Complaint filed on XX/XX/2019. 

United States Post Office says company published address XXXX XXXX XXXX  XXXX XXXX, CA XXXX is an invalid address. 

XXXX XXXX XXXX XXXX list the following information about the collection : XXXX was not able to locate a business registration for Regional Processing Group, LLC in XXXX XXXX or with the State of California. We reached out to the business requesting this information but the business did not respond. 

Regional Processing Group, LLC does not advertise a physical address but only a PO Box that XXXX got returned mail from. 

XXXX urges caution when engaging in business with a company that does not have a valid physical address or that you can not verify its registration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against New City Funding Corp for failing to properly validate a debt and reporting inaccurate information to XXXX in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I disputed this debt with New City Funding Corp and requested full validation, including an itemized account breakdown, payment history, and legal proof they own the debt. Instead, they only provided a copy of a contract, which does not constitute full validation. 

Additionally, this debt may be over 7 years old, meaning it should be removed under FCRA 15 U.S.C. 1681c ( a ), which states derogatory accounts must be deleted after 7 years from the date of first delinquency. 

New City Funding Corp is : Failing to verify the accuracy of the debt before reporting it. 
Refusing to provide full validation as required under FDCPA. 
Reporting a possibly time-barred account, which is illegal under FCRA.
Product: Consumer Loan

My sister died on XXXX XXXX, 2016. Since this date we have been trying to contact TD auto finance, the company which holds the loan for her car, so we could pay the car off. Every time we call, we are placed on hold -- once for over an hour. Ultimately, we are asked to leave a message, which we do, but it is never returned. We have faxed them numerous times -- only once did we get a response back -- and this response was telling us the pay-off amount and that it had to be paid off by XXXX XXXX, 2016. Ever since this, we have called almost every day and we have sent several FAXES telling them that we would like to pay off the car and to call us so that we could pay by credit card or whatever method they prefer. We still have heard nothing from them. The deadline is approaching and we are sitting in limbo and feel as if we have no recourse. Please advise.
Product: Checking or savings account

XX/XX/2022 Funds were deposited in ATM and the ATM took the FUNDS!!!
Product: Payday loan, title loan, or personal loan

On  XXXX / XXXX / 2016  I received a title loan in the amount of {$2500.00} from  XXXX   XXXX   XXXX   XXXX . The contract I signed states the total of payments made will be {$830.00} but the annual percentage rate states 111.710 %. The numbers are not making sense and the lender is tying to force me to resign a new contract. The federal Truth in Lending Act Disclosures are part of the contract agreement but the numbers in the contract do not make sense. Please help me resolve this issue. The contract was never signed by either parties.
Product: Credit card or prepaid card

I have a business credit card with Citi bank. Under the business credit card, I added two employee cards. One of the employee cards was charged XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX for a service that they never rendered to our company. On XX/XX/XXXX I called citibank customer service to dispute this charge. The representative who answered the call issued me a conditional credit of XXXX XXXX and told me that the bank is going to run an investigation. Since then, I 've never received any correspondence from Citi. On XX/XX/XXXX, I logged into my online account and realized that Citi reversed the conditional credit of XXXX XXXX on XX/XX/XXXX, without informing me in any way. When I called the customer service, I was advised that because my dispute claim was made on XX/XX/XXXX,  which date is more than 120 days from the initial transaction posted date, there is nothing Citi can do but to charge me the XXXX XXXX. However, a few issues needed to be discussed here. First, the dispute was made on XX/XX/XXXX, when the conditional credit was posted to my account, instead of XX/XX/XXXX. Citi insisted that the dispute was made on XX/XX/XXXX. I would like them to provide proof of such claim. The dispute date makes a big difference here as XX/XX/XXXX falls within the 120 days period to make a dispute, but XX/XX/XXXX does not. Second issue is the first representative who accepted my dispute on XX/XX/XXXX NEVER EVER advised me on this " 120 days period ''. Rather, he advised me that Citi will run an investigation in this matter. It later turned out that Citi did n't bother to run an investigation. Instead, they changed the date of this dispute and simply set a date that falls a few days out of the " 120 days period ''. As a business customer, I feel that Citi does not care about their customers ' benefits at all. They have really lousy representatives who give wrong and contradicting information. Lastly, I spoke with a supervisor at billing dispute department on XX/XX/XXXX. Instead of listening to me, she simply told me that I should refer to the statement I received for dispute policy. However, what matters here is not what I know. What matters is what CITI 's representatives know and inform their customers accordingly. Citi simply does not care about their customers at all. 
Therefore, for issues stated above, I hereby make the following requests : 1. provide proof that my dispute date is XX/XX/XXXX as claimed by CITI 2. I need a written apology from CITI for all the troubles they made me go through and a written explanation from CITI in regard to the unprofessional-ism of CITI representative for failure to inform me of the 120 days rule, if truly existed. 3. Honor my dispute of the XXXX XXXX charge and credit my account accordingly. Thank you.
Product: Debt collection

The account it is said to be from XXXX XXXX Bank which I have called and was unable to get an account under my social security. 
The claims said to be incurred in 2007. I have asked for more information this case is now with an attorney XXXX XXXX. XXXX law has not provided me any of the information showing that this is my debt nor the exact date in when I was served. I have contacted them several times and I have been harassed ignored of my request. Now my employer has received documents for my wages to be garnished for an amount and a sum that is not my debt. wrongfully after my wages for an account that I have verified with the original Target that my social does n't appear in their system. I would like some justice.
Product: Credit card

I purchased furniture At XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. A promotion for 24 months of interest free financing was part of this transaction. The promotional balance for this purchase was {$2800.00}. 
Another purchase at XXXXXXXX XXXX  was made on XX/XX/year>. A promotion for 12 months of interest free financing was part of this transaction. The promotional balance for this purchase was {$1300.00}. 
This promotion was financed by Synchrony Bank. The statement is attached. 
The first statement was accessed on-line to determine the due date for the payment and the amount. In reviewing the statement, ONLY the Total Minimum Payment Due ( {$150.00} ) is listed. There is no indication anywhere on the statement of the amount due to keep the terms of the interest free financing in place.

Clearly, it is the intent of the bank for the purchaser to make the minimum payment, thereby activating the 34.99 % interest immediately on the unpaid balance. I consider this practice to be deceitful and predatory - particularly on consumer who need the interest free terms and those who may not be financially astute to the point where they would inquire regarding the amount due to keep the promotional terms in place. If this practice is legal- it shouldn't be. It is a shameful practice and it should be eliminated.
Product: Consumer Loan

I Took a loan {$1200.00} from Moneymax title loans and after my car got some problems that need to be fixed called them to let them know that the car need to be fixed so want to see if we can have settlement. they refused and told me that they will settled for {$1300.00}. That is not a settlement in anyway since the amount we are talking about is {$1200.00}. So when I realized that they have no intention of settling I told them okay you can take the car let me know when you want to and they refused to let me know. They just show and took the cars with my valueable in its. Now they are telling me to walk over XXXX miles distance to retrieve my valuable. I told them I do not have a car because you took the car in the first place. you should have told me what time you were coming so I could have take everything out of my car.
Product: Mortgage

My mortgage loan is under Select Portfolio Services and has been under loan modification review with " complete package '' confirmation letter received by mail for a loan modification since XXXX XXXX, XXXX. In total, I 've received XXXX mailed letters confirming they 've received a " complete application '' for a loan modification evaluation back in XXXX XXXX, XXXX and XXXX XXXX, XXXX - but they ( SPS ) keep asking for clarification on subjects like " growth income '', " net income '' and payments dates that can be clearly seen by the earning income statements that have already been sent to XXXXXXXXXXXX. 
My mortgage is under foreclosure status since XXXX XXXX, XXXX and I may have a foreclosure day anytime. I believe Select Portfolio Services is stalling and purposely delaying the loan modification review to have a schedule foreclosure date on my mortgage, living little room for negotiation or further options if a loan modification full review is finally reached. 

On XXXX XXXX, XXXX I received another letter confirming they have received a " complete package '' for a loan modification evaluation and review - and, yet again, they keep asking for additional information. XXXX XXXX I clarified their questions verbally and sent an email XXXX XXXX to XXXXXXXXXXXX clarifying pay stubs growth income and net income which can easily be identified by any competent underwriter under loan modification review. 
In conclusion, I believe " unfair practices '' and " negligence '' is of presence in my mortgage account with SPS case. I can have a foreclosure schedule at anytime now and I am afraid Select Portfolio Services is using unfair practice tactics to foreclose on my account without a proper, complete HAMP evaluation which I qualify according to local bank underwriters'.I need assistance from federal authorities effective immediately due to this case malpractice and Select Portfolio Services history ( fines, lawsuits ) due to negligent practices with loan modifications.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting act ; FIRSTPOINT COLL RESOURCE INC and XXXX has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am not responsible for this debt with " XXXX XXXX ''. I do not have a contract with FIRSTPOINT COLL RESOURCE INC. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted. I have contacted agencies each month since furnished on my consumer report. 

After recently reviewing my personal credit report, I became aware that XXXX and FIRSTPOINT COLL RESOURCES are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.
Product: Checking or savings account

I apply for a small business loan through the SBA of {$19000.00} and got approve and the money went to my personal account on the XX/XX/XXXX instead of my business account that was a error on my end for submitting the wrong account number so the money went to my personal account and I got a call from XXXX from XXXX stating she was gon na send the money back to SBA so I contacted SBA letting know I gave them the wrong account number and they said once they got the money back from XXXX XX/XX/XXXX they would put my application in the revise status and make the corrections however my money has still been sitting at XXXX because XXXX decided that she want to report to the fraud department, Secrect service, the police, and Gods know who else like I am a criminal and have commented fraud because she assumed just because I don't have a business account with that bank I don't have a business, she assumed wrong and took matter into her own hands as if the XXXX XX/XX/XXXX gave me a loan.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING XXXX XXXX  ACCOUNT ENING XXXX ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED FROM XXXXXXXX XXXX