23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A certified letter was sent to NCB MANAGEMENT SERVICES INCORPORATED on XXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX XXXX  ; displaying their Violations of Fair Credit Reporting Acts. NCB MANAGEMENT SERVICES INCORPORATED has ignored the complaint, failed to respond, and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. Nevertheless, responded with a frivolous response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I submitted dispute to Equifax they requested that I fax in a number of documents. The fax number they provide on their forms is incorrect and has been this way for over a year. I have attached the form. Call the fax number yourself ... it's disconnected Clearly - they haven't corrected it to make the process more difficult for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, ( Original Creditor : ) XXXX,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX CXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} Charged off Inquiry in Dispute : XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The issue, alongside Problem with the payoff process at the end of the loan ( refinancing, extending loan ) I just submitted ( email and via XXXX XXXX site ) and stated ( phone ) the following : Hello, I am disheartened at the service I just received. I am issuing my request ( and will hold receipt ) to have all of my banking information removed from your system. I made this same request over the phone a few minutes ago with a manager/escalated call - I do not authorize payment from the debit card ( XXXX ) on file. 

When I set up a payback/payment plan, the disclosure that I repeated and affirmed did not list the form of payment. To be rude and say why would I assume and not ask yourself is rude. I have been receiving deposits in one  bank ( XXXX ) and paying back with another ( XXXX Debit Card ) due to your system originally not matching/approving/authorizing the account ( XXXX ). If this should not have been done, you should not have allowed it. If that has been the pattern, why would I not " Assume '' it would be the same. 

[ Added : I do not get the needed funds deposited in XXXX. But in XXXX. I called to inquire on the mentioned pattern and was allowed to set my account up as such ] ALL of the calls are recorded and I will be requesting copies for it legal, alongside citation of federal law I did not want to even have to use, as I was trying to be a good customer/consumer. 

I simply called to express the issues and request a refund for insufficient funds for XXXX and XXXX because payback was not set-up properly. Your disclosure and agreements should be updated with such. 

I respectfully wanted to be heard and understood and middle ground. 

Your tone and treatment towards someone who was trying to get a {$170.00} refund and set-up proper repayment was met with rude treatment. 

I will be reporting you. 

Again, this is my official and legal request for you to cease action on the current payment plan and do not use my banking sources. 

I hope quality assurance reviews the calls, and you retrain your staff. 

So disappointing to an accountable, loyal customer. 

I sent the same via your site. 

-- XXXX XXXX ( please remove my name if you use on your site ( CFPB ), thank you ) I had to set this up due to financial difficulty ( death in family and travel )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this credit reporting agency, regarding accounts that was reporting inaccurate, and inconsistent information, and I was notified that their investigation conformed that these accounts were accurate and verified but I asked for a copy of " signed contracts '' and receipts of investigation, and for the bureau to investigate why this information that they are reporting is inconsistent with other reporting agencies. A investigation was not properly completed AND THE INFORMATION ON THE CREDIT FILE WAS NOT VERIFIED, and I was not given any of the documents that was requested, nor was a proper investigation was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a XXXX XXXX XXXX XXXX discharge. Accounts are reflecting information that is negative.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw credit inquires on my report that I do not recognize.
Product: Credit card

On XX/XX/year>, I received a notification from my bank that an inquiry had been conducted on my credit report. I checked and it appeared that a credit pull had been conducted for a Capital One Cabelas Club Card. I had not submitted an application nor had I done business with the any Capital One entity. I called Cabelas customer support and was able to report the application as fraudulent with their credit division. They assured me they would pull the application and report the inquiry as fraudulent to the credit bureaus. I was also directed to fill out a victim statement, which is what I am attempting to complete through this complaint. I also placed my credit report on initial fraud alert through XXXX to prevent any further identification fraud regarding my credit. 

Cabelas CLUB division was very helpful and I have no reason to believe they will not remediate my issues.
Product: Credit card

Hello, Here is my complaint about Bank of America and how they randomly closed my credit cards without a single missed payment and no issues. I am a gold member of Bank of America. 
I have been with them for 14 years I was offered two new credit cards, They were opened in XXXX and XXXX. 
In late XXXX they sent emails to close all three accounts and When I called, they said you need to look at The mail that they sent which arrived 10 days later. 
There is no good reason for canceling my cards. In fact XXXX bank gives me a heads up if they feel my credit score has changed or Im using too much credit. The Bank of America can do this to me, I imagine doing this to others and ruining peoples credit for no reason except that the feds lowered the interest rate.

I believe Bank of America should be investigated and I am sure I am not the customer that has been treated unfairly and they are ruining my credit for no reason at all.

I just open these two cards. There was never a missed payment.. 
It seems unreal that they can close an account within 60 days of opening it. 
None of my other credit cards accounts have been affected. Only bank of America has done this to me and I have all my other accounts with them. I am so angry and frustrated. 
I would like a full investigation.
Product: Credit reporting or other personal consumer reports

Nexus lexis, XXXX XXXX are report my XXXX and the XXXX XXXX  court dont share this information so obtain and putting it on my credit report is wrong anybody
Product: Credit card or prepaid card

I tried to activate a netspend prepaid visa. I was asked to send my government issued ID and a copy of my social security card via email to them. I asked that they email me a link first to a secured email, and she would only answer to send it to XXXX. When I asked if they were US based, she ignored me for more than 30 minutes and finally admitted that they are not. And she insisted that I send all of my personal information via unsecured email to them to verify my name, date of birth and address. This was not to verify my social security number but she insisted that I send a copy of my card. She didnt answer my questions. She ignored me several times during the call. And even sat on the phone while I filed this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit frozen with Transunion, XXXX, & XXXX  to protect myself against identity theft because my info was breached in the XXXX   breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both XXXX  & Transunion did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked XXXX  about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer credit reports.
Product: Debt collection

I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me. 

In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership.

In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system. 

Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. 

I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported late to the credit bureau XX/XX/XXXX by XXXX XXXX XXXX. I sent a dispute to Experian and the information came back verified. I am unable to easily dispute the information again with my proof via online. I signed up for payment protection with XXXX XXXX XXXX and was supposed to be back dated to avoid having a late payment this did not happen.Due to the error I was denied for leasing and now myself and my XXXX children are left XXXX due to the careless verification process. I attempted to contact XXXX XXXX XXXX directly but was left on hold and the agent never returned the line dropped on the morning of XX/XX/XXXX XXXX XXXX.
Product: Credit card or prepaid card

During Covid, I received a voice-mail stating they could help me with my credit card debt. A number was provided. I called. I was tricked and manipulated and mislead about the reason they contacted me. I called and spoke to a representative that stated an offer to help pay down my credit card debt fasted but I found out they were using unfair business practices. At the end of the dialogue I was lead to believe that my interest rate would be lower with this offer and that if agreed, it would be paid off in half the time originally agreed. So I agree to this wonderful offer, or so I thought. 
What I learned immediately after was that I could not using any of my cards, all active and all had credit available to use. 
When I called back after speaking with multiple people, I was told that was the stipulations to be a part of the program. I went to my nearest Bank of America and they themselves could not understand why I was no longer able to use my cards. XXXX representative even stated, XXXX XXXX still have available credit on both cards but nothing changed. They closed down my credit cards and is now on my credit report. 
What's even sadded is, BOA goes through these events of being sued by people and the courts. 
Not good business. I will never ever again be a BOA customer again!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 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: Vehicle loan or lease

I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well.

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may
furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian XXXX XXXX XXXX XXXX Tx XXXX RE : Dispute of Inaccurate Collection Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I noticed that a collection account is being reported each month, and it states as collection even though this information is inaccurate. 

I am requesting the following : An immediate investigation into the reported collection account. 
Proof/documentation of this debt, including validation of the accuracy of its reporting. 
Deletion of this collection entry from my credit report if it can not be proven accurate. 
Please note : I do not wish for this verification to be processed through E-Oscar. I expect this dispute to be handled manually, as provided by law under the FCRA guidelines. 

Additionally, as previously requested by your office, I have already sent two forms of identification to confirm my identity. These documents were sent in response to your request and should already be in your possession. If additional documentation is required beyond what has already been provided, please let me know directly. 

For clarity, please direct this request to the person and department handling this dispute and provide me the direct contact information to follow up if necessary. 

Should you fail to investigate this dispute thoroughly or respond within the time frame established by FCRA ( 30 days ), I will escalate this issue by seeking legal recourse to ensure my rights are upheld under the law. 

Please send all correspondence related to this investigation to the address provided above. 

Thank you for your attention to this matter. 

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

There are two fraudulent XXXX accounts being reported on my credit bureau reports. One is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all 3 national credit bureau agencies XXXX, XXXX and Trans Union advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
Product: Student loan

My student loans should be discharged because I was lied to by XXXX XXXX XXXX. They took advantage of me because I am a Veteran.