23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, I sent the attached letter to NCC Business Services Inc. disputing the validity of the debt they say I owe. As of this date they have not responded to my letter or sent me proof of this debt yet they have continued to call me and leave me voice mails advising they are attempting to collect a debt. They need to stop calling me they have not responded to my previous letter or provided any supporting documentation regarding this debt they say I owe.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XX/XX/2024 and XX/XX/2024, requesting for accounts to be removed from my credit report. I've also requested for the investigation done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when responses was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, XXXX U.S.CXXXXe XXXXb- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.XXXX USC XXXX E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have the right to make sure my private information isn't shared which is backed by XXXX USC XXXX which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX USC XXXX section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting for these accounts to be deleted Immediately, Accounts : Medical : Acct # XXXX, XXXX XXXX : XXXX  XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : account XXXX  XXXX and XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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

I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in experiam or XXXX, it only appears in XXXX, according to experian and XXXX I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX : 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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX 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/year> FIRST XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. 

I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Product: Credit card or prepaid card

On XXXX XX/XX/2020, I purchased a TV ( speakers, mount, cable ) set from Best Buy in XXXX XXXX North Dakota and ask that it be delivered to my house. Before the delivery could happen, I am an elderly woman and I started getting nervous about COVID ( and people in my house ). I called Best Buy and was put on a very lengthy and convoluted hold pattern ... .I eventually talked to someone who was scheduled to be part of the delivery team ( sorry I don't know the name ). He apologized about the customer service line and canceled my order. 

When my next bill came out, I noticed that they had charged me for the TV set that was not delivered. I called. Waited on line forever and was told to write a letter to Best Buy Credit Services. I did. They sent back a letter on XX/XX/2020 saying that they were investigating my claim. When I do talk to someone they say to continue to pay the bill. 

About every week I call and nothing has changed. EXCEPT now they are telling me this is a " new '' case and they have 90 days to resolve it. I have bought a lot of stuff from Best Buy ... ..and have had it delivered. If they delivered this TV I would like to know the names of the people that delivered it. I would like to see my name where I signed for delivery. I would like to have the Sereil number of the TV set. 

It was not delivered and should not be on my bill. If you need to have copies of the receipt or the bill or anything else please contact me. Thank You
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with Conserve collection agency or I never attended the University XXXX XXXXXXXX XXXX or took any classes there for which I would owe any school fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of law.
Product: Payday loan, title loan, or personal loan

Im trynna connect earnin to my bank for the loan and it wont let me
Product: Credit reporting

I contacted Equifax to inform them that I do not have a middle initial in may name. I was given his fax number XXXX to forward my complaint, which I did on XXXX XXXX, 2016. What followed was a real nightmare, and to this date, the change has not been made., even the credit reports they mailed me dated XXXX XXXX 2016 and XXXX XXXX under dispute confirmation number XXXX still had the same error. 
All in all, there were XXXX case numbers that the next employee will issue without listening to what I had to say, they are : XXXX XXXX XXXX XXXX To this date, no resolution to the case. I grew tired of calling the dispute department because the numbers kept changing, following is the list XXXX XXXX XXXX I have the distinct impression that their goal was to confuse me, not to address my concerns. They have the wrong name, but they insist in keeping it in the meantime I have received XXXX denial for credit based on Equifax 's data. 
Other institutions have granted me credit using XXXX and XXXX who rate my score over XXXX. Equifax has me around XXXX? 
In addition they have listed an office building XXXX XXXX XXXX XXXX, with a suite number as my previous address. This is data mining gone wild!
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft a while ago. I was informed that there was an data breach with XXXX. I pulled my credit report and noticed that I had an unauthorized account my credit report. I contacted the company and they send me a letter to have it removed from my credit report. 


XXXX XXXX XXXX acct # XXXX
Product: Checking or savings account

I have noticed this several times where I will make a purchase that I can afford. The charges arent in line with when I purchased it. Then I will get paid and at the same time a subscription will be charged but they will be rearranged that my account will be in the negatives before my pay from my job can be fully approved. On XX/XX/22 I noticed I have {$5.00} left in my account. I wake up this morning XX/XX/22 I randomly have over {$100.00} in my account I look and I see no transactions that would have caused it. Later today around XXXX XX/XX/22 now my account is $ XXXX but is still showing I have XXXX but I can not access it. Also all my charges since XX/XX/22 are still pending accept XXXX from the same company.
Product: Credit card

Just recently saw this fraudulent account can you please remove its hurting my credit
Product: Payday loan, title loan, personal loan, or advance loan

This company LADDER LOANS is sending me unwanted loan offers even after I have REPEATED OPTED OUT of their loan offers both online and via certified mail. 

I consider their continued mail to my residence to be illegal and in violation of the CFPB regulations regarding unwanted loan offers. 

I have permanently opted out of ALL LOAN OFFERS OF ANY KIND, via OPTOUTPRESCREEN.com, and notified all credit agencies to stop sending my information to loan companies, but this company just won't take no for an answer. 

Please help me to stop the incessant SCAM LOAN MAIL that this SCAM FINANCIAL INSTITUTION is sending to my house.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting

XXXX Collections Account # XXXX is reporting on my Equifax credit file as a duplicate account. The same debt with the same open date, account number, and balance is reporting twice on Equifax and I 've disputed this account on several different occasions only to be told it 's reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report negative information tied to a paid account even though the negative actions occurred more than seven years from the most recent credit report received on XXXX/XXXX/2017. Their insistence that it is up to the credit reporting agencies to correct these errors is somewhat accurate but XXXX XXXX continues to modify the comments section to include statements referring to adverse items that are more than 7 years old and as such are in violation of the FCRA. I have sent correspondence to Ford that included the following documents : 1. A letter requesting negative items, remarks and/or comments to be removed from my credit reports as those items antedate the report by more than 7 years and as such violate my rights under the FCRA. More specifically, continued reporting of a redeemed repossession as well as a 60 day late payment. While this account did have those events, they occurred more than seven years before the report was generated on XXXX/XXXX/2017 and as such are being illegally reported and should be deleted. 
2. Copies of the relevant sections of the FCRA that specifically state that negative items that antedate the report by more than 7 years can no longer be reported. 
3. Copies of correspondence from Equifax where they state any changes to the report need to come from XXXX XXXX as they have item verified they are only reporting what Ford has asked them to report. 

I have attached the letter sent to Ford to clarify my position on this matter. 

Ford 's most recent correspondence to me simply states their unwillingness to comply with the FCRA. At this time I believe their actions to be punitive since the credit agencies have removed the negative items from the payment history reporting yet at XXXX XXXX 's request continue to include comments that speak specifically of these negative items. I was hoping it was just a misunderstanding and gave them an opportunity to do the right thing but now that they have come back to me and seem unwilling to make the proper and legal corrections which leads me to filing this complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I recently conducted an in-depth review of my credit report and was alarmed to find several items that are unverifiable, inaccurate, and highly questionable.
Product: Debt collection

I recived XXXX separate collection agency letters from the same company regarding the same account with XXXX separate balances. I feel this is a thwarted attempt by a company to collect multiple times on the same account for a debt that was written off in which I requested validation of the debt from the original creditor as well as an agreement with my signature binding me to the alleged debt.
Product: Credit reporting or other personal consumer reports

This is my refilling complaint to 1STPROGRESSXXXX for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report from an unknown source that i did not authorize. 

XX/XX/ from a Barclay Bank in Delaware. I have not previously tried to apply for any new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$570.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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, no later than 4 business days after receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX not be furnished on my consumer report as they are in VIOLATION!!!! 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION 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 rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Payday loan, title loan, personal loan, or advance loan

Bread financial is denying me a bread pay loan and they are using an internal score but telling me Im being denied based on my credit score. ( According to the CFPB : Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. ) Ive submitted previously and no one is listening to me! I think they are denying me due to a previous issue I had made a complaint to their executive office!

And now they took away the option for me to even reapply! ( They gave my husband a denial yet he still got a loan! )