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

Tried to check on the freeze status for the XXXX XXXX. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried XXXX phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.
Product: Debt collection

I have received a phone call and one letter from a debt collector called Cedars Business Services, claiming I owe money to XXXX XXXXXXXX XXXX ( XXXX ). I have been a patient there, but have not received a bill from them for the amount being collected, and have verified with XXXX 's billing office by phone ( XXXX ) that there are no outstanding charges under my name and birthdate and mailing or physical addresses. I therefore believe this is a case of fraud. 

The debt collector claims to have received the account information from XXXX in XX/XX/XXXX, but I did not receive a letter from them until XX/XX/XXXX.
Product: Vehicle loan or lease

I was 14 days late on my payment due to being in the XXXX and unauthorized charges on my bank account. I notified Westlake Financial of the issues. I made my payment on XX/XX/17 the XXXX day and then next morning when I went to get into my car it was gone. The police told me it had been repossessed but the Finance Company (  Westlake Financial - XXXX - XXXX ) said they had not issued a repo order on my car but that the loan is under review and they might not continue on the loan. The dealer where I purchased the car ( XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX started sending me threatening text messages and calling my references telling them that he was checking to see if I was dead or alive. I have my receipt. I also found that Westlake Financial is not registered with the XXXX XXXX of XXXX to do business in TN, they applied but was not granted a business entity number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a credit denial letter from  Nationwide Northwest LLC I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for  " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  XXXX . They responded to my letter stating that they received an electronic application from  XXXX   XXXX , and despite me not applying for credit with this company, and  Nationwide Northwest LLC not providing any evidence or documentation that I did in  fact provide authorization to have my consumer report pulled they are refusing to remove the inquiry.     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws.  I have asked that this unauthorized inquiry be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

every day, several times a day, calls are made, very abuse conduct, constanly calling. had an attorney notify them in letter telling them not to call anymore. they have continued calling, everyday and several times a day, with different numbers from all states, really abusive. iv notified my attorney and they also will notify them again, they are not suppose to call anymore. the company doing this is : portfolio recovery, they are a collection agentency, with 3 different collections. they call from all different numbers.from different states. calls have been from XX/XX/2018- till now, continues everyday. several times a day, from XXXX - to evening time after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. 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. A bill is not proof of an account ownership. Also, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX is in direct violation of the HIPPA Law.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Product: Debt collection

On several occasions, Portfolio Recovery Assoc. and Portfolio Recovery called my cell phone after I told them several times that they did not have my permission to contact me. They called while I was at work, at home, traveling and at church. I told them every time for months that I did n't want to be contacted any more unless by mail. They called on many occasions telling me that they were process servers and they told me to stay where I was and do n't leave because they were on the way to serve me legal papers. They even described the other places close to where I worked. I have had anxiety attacks and panic attacks over the phone calls they have made to me. I requested that they send me information verifying that the debt was mine and I never received any letters from them. I also asked them to close the account and they told me that was n't possible.
Product: Credit reporting or other personal consumer reports

It is with great frustration that I must address the issue of fraudulent information being constantly reported on my credit profile by Experian credit Bureau. Despite multiple notices of past identity theft and requests to remove this information, it has come to my attention that your service continues to report inaccurate and damaging accounts. As a result, I am officially notifying you that I will cooperate and participate in any lawsuit brought against Experian by the Consumer Financial Protection Bureau. I have already spoken to the CFPB and have made it clear that if these fraudulent accounts are not promptly removed within the next XXXX days, I will provide documentation and assist in their lawsuit against your organization. This is not a threat, but a necessary course of action to protect my financial reputation and hold Experian accountable for their actions. 

accounts charged without my permission.
Product: Student loan

I have received multiple calls PER DAY from different numbers, all claiming to be affiliated with the National Student Loan Forgiveness Program associated with the Department of Education. The call begins with a recorded message saying " this is truly a final attempt to reach you ... '' due to XXXX  failing to notify their borrowers of forgiveness programs available to them. After over a year of these calls, blocking dozens of numbers, and asking repeatedly to be removed from the list, the calls continue. 

I am having no problems repaying my loan, and my annual-salary-to-debt-owed ratio is such that I do not qualify for any of these programs anyway. I have reiterated this multiple times, and yet every day the calls roll in ( just ignored one of them while typing this, in fact ). It occurs mostly during work hours on weekdays, but I've had the occasional call past business hours and on weekends. It is borderline harassment that they keep calling my personal cell phone at all hours, to no end, after I have gone through their process multiple times to appease them and land on the answer that I already know is coming. 

I may have filled out a survey years ago out of curiosity, searching for ways to lower my overall amount owed, but this is ridiculous that this continues. I would like to know the end-all way to stop these calls, which have consumed a larger percentage of my waking hours than I'd care to admit. Does anyone else have this problem? Is there any suggested way to ward them off when the first point of contact is obviously someone who does not have the authority to remove me from a " list ''? 

I would greatly appreciate any information you can provide. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both XXXX XXXX and XXXX so initially the next morning I called XXXX XXXX and XXXX and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact capital one so thats what I did. I contacted Capital One and Capital One said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to XXXX XXXX and XXXX disputing this because theres nothing on file saying that you apply for credit I then contacted XXXX and XXXX XXXX once again on that same call and had the capital one representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the capital one agent, and at the end of everything I was told that the capital one agent had to get off of the phone because they cant do conferences at XXXX. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which capital one could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.
Product: Debt collection

I wrote in asking for the following without any response 1. Verification Attempts : I have carefully reviewed my financial records and found no evidence of the debt referenced in your communications.

2. Credit Report : I have reviewed my credit report, and there is a report on this fraudulent file 3. Identity Theft Concerns : Given the discrepancy, I am concerned that this may be a case of identity theft. I have placed alerts on my accounts and have filed a report with the relevant authorities.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Credit card

I opened up a credit card with Best Buy/Citi Bank .

1. Please refer the attached chat transcript for the conversation that I had with the customer service rep of this company prior to requesting for this new credit card. 
XXXX. I was promised that I will get a rebate of 15 % on the first purchase that I make on this card. They also noted that there is no XXXX limit on the 15 % rebate value. 
XXXX. I made my first purchase on XX/XX/XXXX for {$3200.00} ( excluding tax ) from Best Buy using the Best Buy/Citi credit card. Based on the promised offer, I should have received a gift certificate worth 15 % of {$3200.00} = {$480.00}. 
XXXX. However I received only {$160.00} gift certificate on XX/XX/XXXX which is only 4.93 %. 
XXXX. I reached out to their customer service on XX/XX/XXXX and they acknowledged that it was a problem at their end and created a ticket to resolve my issue - XXXX. 
XXXX. On XX/XX/XXXX I receive a totally irrelevant resolution for my problem, so I again called their customer service, explained the problem, they have created another ticket - XXXX. I haven't received a resolution for this newer ticket yet. 
XXXX. I have also reached out to their Customer Support numerous times thru their web email support and they are refusing to provide any resolution. 
XXXX. I as well previously opened a complaint XXXX with CFPB, for which Citibank responded XXXX me to contact Best Buy phone rewards phone number XXXX and closed the ticket. Please find Citi 's response attached to this new ticket XXXX. So far I had followed up multiple times with this specific phone number. They just open tickets but my issue has not been resolved. Please find the details of the tickets. 
XXXX created on XXXX XXXX created on XXXX XXXX created on XXXX. 
XXXX. I have as well been reaching out to Best Buy support thru email and finally on XXXX they had acknowledged that I owe rewards. It has been more than XXXX business days since they had acknowledged, but have not issued my rewards yet. Please find the response from them in the file named Best Buy Response. 
Till date I have not received the remaining promotional rewards
Product: Debt collection

I requested validation letter, date of last payment, original creditors name and address. In addition, request a company of original agreement with wet signature. Collection agency has reaged the debt several times
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. 

DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF EDXXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; XXXXI : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX  : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX MOR : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/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 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: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that appear on my credit report, which I believe are inaccurate and have not been properly addressed despite my previous requests for removal. I kindly request that these accounts be removed from my credit file immediately. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have previously submitted requests for deletion of these items, and I have provided evidence supporting my claims. However, these accounts have not been removed from my credit report. This ongoing issue has not been resolved, despite clear documentation proving that these entries are either inaccurate. 

As I have already provided sufficient proof and have followed the proper procedures, I request that these items be removed from my credit report without further delay. If this matter is not resolved promptly, I will be forced to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for further action. 

Please review my credit file and conduct a full investigation as per the Fair Credit Reporting Act. If these accounts can not be validated or verified, I demand their immediate removal from my credit report. 

I expect a timely resolution and look forward to your response. Please notify me of the outcome of your investigation as soon as possible. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Payday loan, title loan, or personal loan

This debt was discharged back in 2016. There was a judgment filed against me. I never received a Letter of Satisfaction. I have a 1099-C for Cancellation of Debt. I have paid taxes because a Cancellation of Debt is considered income. This matter has been resolved, but I have not received legal satisfaction with Washington County Clerk of Courts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX I been a victim of identify theft which has cost me a lot. I lost job opportunities even living a better environment. Thanx to my negative credit which I already did what ever all the credit agency ask for is to file a police report and to lock n freeze my credit. Not to long ago I got denied housing for the wrong information been on my credit report which I already sent all document la and is still on my record. Whats going on please get that of my record.
Product: Credit card or prepaid card

I have been working with Barclays, I filed a Police Report, they still continue to insist I benefitted from the fraud purchases described below and will not remove the charges. As it stands, they OWE me as I have continued to pay the monthly during this dispute to avoid late fees. 
See attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX {$2500.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 have an auto loan with SunTrust since XXXX. The history report that I have from SunTrust doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.