23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ncb debt management is incorrectly reporting on all XXXX credit bureaus saying I owe a debt to them. This is incorrect I have never signed anything for anything with NCB. NCB has had multiple disputes with me and send no information but a bill from another company. Ncb is listing and reporting inaccurate information and needs to be deleted. Please show my signature where I owe u for a debt.
Product: Debt collection

On XXXX XXXX, 2024, I sent a letter to LVNV c/o Resurgent Capital about two accounts that were on my report that I was not aware of. I've sent the letter certified mail ( Tracking Number XXXX ) and have a signature acknowledging that they received it. I have attached it to the complaint as well as with the signed receipt. 

In the letter I asked for proof of my signature acknowledging that I was aware of the debt and the Original Debt Buyers Agreement/Forward Flow Agreement as I have been contacted by different companies about this debt. 

To this date, I have not received either. The fact that they have put this information on my credit report is a misrepresentation as I have never done business or was provided a service by this company. 

I request that this account be removed from my credit report and closed as I have not been provided the information that I have specifically requested over 60 days ago.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX notified me about a new credit account. When I checked my credit report, I discovered a {$6500.00} account from XXXX XXXX XXXX. I contacted them immediately, and they canceled the account, promising to send written confirmation by mail. I successfully placed a fraud alert and credit freeze with XXXX, but I was unable to do so with XXXXwhere my account was stolenas they have been unreachable. This situation continues to leave me worried about further unauthorized use of my personal information.
Product: Student loan

I completed a cosigner release form, this was the second time I completed this form in two-years. I supplied Navient with all the required information needed for the cosigner to be released. In turn, they denied my release based on my sole income, stating that I do not make enough annually. However, I included my spouse 's information ; passport and pay stub, as our total household yearly sum, which is more than enough to pay the loan monthly as I have been for the 12- consecutive months that they requested on the cosigner release form. I work part-time and I 'm a mother So I 'm not sure why Navient will not consider my spouse 's income as additional support for these payments. My time, money and effort have went into this without satisfaction and I did not end up with the results that I expected. All I want is for my cosigner to be released as I believed he would be if I completed and sent Navient all the valid and requested information. Please help!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
DEPT OF ED Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

I was trying to use an ATM machine at Chase Bank and a man stole my debit card out of my hands and ran away. Before I could cancel my card, my account showed that the person withdrew {$1000.00} from my account.
Product: Debt collection

I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XXXX which it isnt. These are from XXXX when I was a XXXX. They just recently maid something to my house about this debt as if the phone calls werent enough.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute an account that does not belong to me for the past year with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX  XXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan. 

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

XXXX - Unauthorized hard enquiries XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX Equifax - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
Product: Credit reporting, credit repair services, or other personal consumer reports

1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date. 

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my XXXX app informing me that XX/XX/2023 my account shows XXXX days delinquent. I called the Guaranteed Rate. However, I am currently in a forbearance and have been for months. This is the XXXX time that this has happened, I have been impacted and my score has dropped XXXX points because of this. I will like this immediately rectified.
Product: Credit card or prepaid card

Discover Card erroneously placed a charge on my account in XXXX. 
The Discover account representative acknowledged this error and said that it would be reversed and corrected. It was not. 

The charge was still on the next monthly statement. On XX/XX/2020, I called again and spoke with the head of the accounting department who assured me that the erroneous charge would be removed within two days.

Today, I received another statement, and found that this issue still is not resolved.

I call Discover again, and was told the matter was still under investigation. This is completely different from what was stated on my prior calls.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX BANK Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your XXXX XXXX. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( SANTANDER CONSUMER USA ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, with no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Experian. XXXX XXXX ( XXXX ) is a collection agency reporting the first delinquency date on that account as XXXX of this year. 

I submitted a dispute on XX/XX/XXXX. On XX/XX/XXXX, I received notification from Experian stating that the account would remain, that the XXXX, the collection agency, " certified '' that the information was correct. 

I submitted another dispute on XX/XX/XXXX. I provided written documentation from the original creditor, XXXX, stating that the last payment was made on the account on XX/XX/XXXX. I also provided information that the account was opened on XX/XX/XXXX, and was closed XX/XX/XXXX. I also wrote a letter explaining to Experian the error on the report, and why I was disputing the account. I provided them the investigation provided by another credit reporting agency, and how they saw the error, of almost 6 years, and they removed it immediately from my report. I also provided the account from the other credit reporting agency, to show them the difference in dates that XXXX is reporting that this will " fall off '' my credit. Per Experian, it was XX/XX/XXXX, but showed it " opened '' in XX/XX/XXXX and was delinquent in XX/XX/XXXX. XXXX reported to XXXX that it would fall off on XX/XX/XXXX. 

I understand that even if XXXX did acquire my account in XX/XX/XXXX. Per FRCA XXXX23 ( a ) ( 5 ) ( A ), the date of delinquency is the month and year the consumer 's delinquency resulted in the referral. Per FRCA 623 ( a ) ( 5 ) ( A ) they have to report the delinquency date provided by the creditor. I also provided them FRCA 623 ( a ) ( 5 ) ( A ), in hopes that they would actually read the documentation that was  submitted. 

Experian notified me on XX/XX/XXXX, that the debt collector, XXXX, " certified '' that the information was correct. I uploaded another documentation from the original creditor on XX/XX/XXXX, since I was not allowed to dispute it again. Experian said they do not have to allow me to dispute again, but if I had supporting documents, I could submit them. I uploaded another documentation from the XXXX stating that the account was sold on XX/XX/XXXX. I also resubmitted the letter, all supporting documents from the original creditor and the FCRA pages 78,79, and 80. 

While they " allowed '' me to upload documents, it's showing that the investigation is " complete ''. I have no reason to believe that it will be opened, or that they will even read the provided documentation, that they suggest, I upload. 

I am continuing to receive emails that the debt collector " certifies '' that their info is correct. 

I can not believe that any of the documentation that I have submitted has even been read. If anyone had read ANY of the information, they would see the HUGE error. It is a 6 YEAR difference. 

I am just needing assistance for someone to actually take the time to read the information. The error is huge, and the debt collector can not continue to report this old debt as new.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the handling of Account # XXXX, which is currently being reported as a Profit and Loss Write-Off on my credit report. 

Summary of XXXX : Request for XXXX of XXXX : I have previously requested proof of the alleged debt associated with this account. Despite my requests, I have not received any documentation that validates the debt. 

Request for XXXX Form : Since this debt has been reported as a Profit and Loss Write-Off, I requested a copy of the XXXX form that should have been issued as part of the debt cancellation process. To date, I have not received this form. 

Legal Requirement for Deletion : Without the necessary proof of debt and the XXXX form, the continued reporting of this account as a Profit and Loss Write-Off violates federal law. The Fair Credit Reporting Act ( FCRA ) requires that inaccurate or unverifiable information be promptly deleted from consumer credit reports. 

Request for XXXX : Investigate the failure to provide the requested documentation. 
Ensure that either the required proof of debt and the XXXX form are provided or the negative tradeline is deleted from my credit report. 
Enforce compliance with federal law by imposing appropriate penalties. 
Attached Documentation : I have attached the following documentation to support my complaint : Copies of my previous requests for proof of debt and the XXXX form. 
A record of the account, including proof of delivery via certified mail with tracking. 
A notarized copy of the current dispute of debt letter. 
This ongoing issue indicates a failure to comply with federal law, specifically XXXX XXXX XXXX XXXX, which outlines the responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I A

M SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with Experian, XXXX, XXXX, & through the CFPB. XXXX XXXX has XX/XX/22 Account Balance {$16000.00} reported to Experian & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX accepted multiple accounts opened in my name by indetity theft. my name is XXXX and it was opened under " XXXX - a clear indicator this was not me. I have all the paperwork and police reports dating back to XX/XX/2012 when this started, however XXXX still has these accounts in collections which is effecting my credit. please help, how can i resolve? Can i send this paperwork for you to review? i can not reach anyone at collections agency to help me get this removed from my report
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check into my business checking account for roughly XXXX. Rightfully so, the funds were held until they were to clear which was to be by the end of the week on the XXXX. In XX/XX/XXXX, I began getting notifications from vendors that my payments were bouncing back, thus accruing fees that I am now liable to pay. I also have an outstanding vendor payment thats due for XXXX that is now being charged interest. 

Truist apparently closed my account the day after the deposit was made with no contact to me regarding the closure or even letting me know the account had been frozen for fraud investigation. 

Upon calling the fraud department XXXX instructed that my case has yet to be assigned. I have submitted the contract for this XXXX month project as well as the waiver release when I received payment. 

Truist has not made an attempt to verify the check with the issuer or the issuers bank. 

XXXX a small business owner and personally dont have the funds to float the business while my money is being wrongfully tied up. This has happened to many of their consumers and is blatantly unprofessional and unethical. 

I have had multiple direct deposits returned to the original sender due to the account being closed. XXXX will be missed and so fourth. This is going to be a huge liability for me. 

I am requesting a prompt follow up with immediate resolution, as well as information as to what XXXX to do about the huge interest that is accruing daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 
NAME OF ACCOUNT : XXXX XXXX  NUMBER OF ACCOUNT : XXXX THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have financed a car through US auto loan in 2021 and am still paying for it. Around XXXX the company closed down and my files/ loan went to westlake portfolio management. Around XXXX is when I noticed my payment history for my car was no longer available in XXXX XXXX, XXXX, or any website or app that allows me to look at my credit score and its history. It dropped my credit score nearly XXXX points!!! And yes, I am still paying my car, as my loan is 5 years long. Please help! 

PS, no credit cards or loans were opened around this time or prior.
Product: Credit reporting or other personal consumer reports

This is in regards to my Nordstroms credit card. I payed this account in full as of XXXX XX/XX/XXXX. I disputed the account information on XXXX XX/XX/XXXX that the account had not been updated since XX/XX/XXXX and that the balance and payment information was not up to date. On XXXX XX/XX/XXXX the information was updated as accurate to XXXX XXXX. Payment date information and balance on this account as of right now at this time still showing a balance of XXXX when in reality is XXXX. The account as XXXX XX/XX/XXXX after several attempts to resolve the problem it is still not being reported as it stands.
Product: Debt collection

I noticed a collections charge on my credit report and tried to dispute it with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX Toll free ( XXXX ) XXXX Fax XXXX XXXX XXXX XXXX, XXXX CA XXXX I have received no response. I contacted Huntington Bank and they have no record of the account or money owed as well. I asked about this XXXX XXXX XXXX XXXX and they have no record of using them. They have not returned my numerous calls, letter or contact. It is on my credit and that is not good for something that is not mine. I have been with XXXX XXXX for over 10 years and do not have a Huntington Bank account.
Product: Mortgage

My current mortgage does not appear on my report for  XXXX  agencies and shows an incorrect balance on the other. I have been trying to get this fixed FOREVER being met with extreme requests ( copies of my ID and full credit report ). I just need this account to SHOW UP!