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

To : XXXX XXXX XXXX XXXX : Request for Deletion of Unverified Account Due to XXXX XXXX Dear XXXX XXXX XXXX, I am writing to formally request the immediate removal of an Ally Financial charge-off account in the amount of {$23000.00} from my credit report. This account, which I previously disputed, was deleted from my XXXX credit report following their completed investigation on XX/XX/year>. XXXX deletion of this account confirms that the information is unverifiable, and as such, you are obligated to do the same under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Since XXXX has determined that this account can not be verified and has removed it entirely, it is now your responsibility to reflect this deletion on my credit report. 

The FCRA also protects consumers by mandating that unverifiable accounts be removed. Under FCRA 609 and 611, credit reporting agencies must delete any information that can not be confirmed as accurate within 30 days of a dispute. I urge you to investigate this matter promptly and remove the XXXX XXXX account from my credit file within this time frame. 

Should you fail to comply, FCRA 616 and 617 provide me with the right to take legal action against any credit reporting agency that fails to meet its legal obligations. Non-compliance with this request may result in legal action to seek damages for inaccurate reporting and failure to adhere to federal law. 

For your convenience, I have included a copy of my XXXX credit report confirming the deletion of this account. I request that you provide written confirmation once the account has been removed or provide documentation substantiating its accuracy and validity if you choose not to remove it. 

If this issue is not resolved within the legally mandated 30-day period, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Student loan

When I left for the XXXX XXXX in XX/XX/XXXX, the XXXX XXXX submitted paperwork to the Department of Education reflecting my status. At the same time I submitted paperwork to my my loan holder requesting ( for the second time ) to be placed on an income based repayment plan, as well as an application for public service loan forgiveness. Around XX/XX/XXXX I started receiving emails that I was close to defaulting. I reached out to XXXX XXXX several times requesting the status of my several applications. Throughout XX/XX/XXXX I  corresponded with XXXX in an attempt to update them and continue to apply for PSLF and ICBR. Every application I submitted was denied, generally on the ground of not providing enough documentation, even though I sent a certified letter from the XXXX XXXX, as well as evidence of my living stipend as evidence of my income. When I returned to the US in XX/XX/XXXX I was still close to defaulting so I made one large installment and put in a forbearance request. I made contact with XXXX several times throughout XX/XX/XXXX to try and sort out the applications. I was told the XXXX XXXX did not notify the Department of Education about my status, even though this is standard operating procedure for XXXX XXXX. Over the phone I asked for a new application, and for PSLF to be retroactive and take into consideration my over 4 years of volunteering with XXXX XXXX and XXXX, as well as my current status as a XXXX. Multiple customer service representatives ( including XXXX ID # XXXX and XXXX ID # XXXX ) refused to work with me, including hanging up calls, being rude, and refusing to entertain requests for further information. Throughout this exchange XXXX continued to send correspondences to addresses I do not live at, despite emailing them multiple times to update my address, and despite the XXXX XXXX sending the Dept. of Ed information about my status abroad. My requests for address changes were ignored and receipts of my applications, and their rejections, as well as my proximity to default were all sent to Maryland, even though I lived in XXXX and my former landlord kept sending the letter back with a label saying my forwarding address was XXXX XXXX. At present, I still do not have PSLF nor am I on a ICBR Plan, despite having served as a volunteer at currently at a 501 ( c ) ( 3 ) for almost 5 years.
Product: Debt collection

I have been getting hit on my credit from this strange company- I have no idea who they are and the agents are not helpful when I try to get a resolution- I have even sent over letters requesting Validation of this account
Product: Money transfer, virtual currency, or money service

I bank with XXXX XXXX XXXX  using Zelle and it was several times in the past when a Zelle was just sent for an unauthorized amount and to the wrong person. I was not given any notice or taken to a conformation page in advance and when the mistake was realized I was told there was nothing XXXX XXXX XXXX can do once an amount is sent even if it is in error. I want to know if it anything I can do to try to make sure this does not happen again and potentially get some of my money returned to me that was sent in error
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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: Credit reporting, credit repair services, or other personal consumer reports

I received a response letter that says I am being represented by a credit repair company and they are requesting a copy of documents. I am not being presented by a credit repair company and I will attach all the necessary documents needed here. Here are the accounts I disputed : 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and notifying consumers of dispute outcomes. However, these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates a large scale of Federal law and my rights as a consumer. XXXX.
Product: Debt collection

The CBE Group , Inc Reference No. : XXXX XXXX Account No. : XXXX Submitting Claim for violation of : US CODE 15 U.S.C. 1692e - False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation in an attempt to collect on a debt. I have reason to believe The CBE Group , Inc and XXXX are in violation of FDCPA guidelines by utilizing my information to collect on an alleged debt that is not owed by me. Please cease and desist any collection attempts on this account or I will be forced to sue for {$1000.00} for punitive damages under 15 U.S. Code 1692k.
Product: Vehicle loan or lease

Requested to return original title to vehicle via XXXX  return envelope enclosed in XXXX envelope. 

Returned same date received which was on XX/XX/XXXX. Delivery date was estimated for XX/XX/XXXX. 

When I called in to confirm receipt of original title, the service representative noted that the envelope was lost and theyre unable to track. I was informed to wait and see and that was the only option provided then I was transferred per my request to escalate and then I was placed on hold until someone answered and immediately hung up on me knowing Im helpless to their behavior.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not XXXX permission for these items to be included in my consumer report. The realization that such inaccuracies could jeopardize my financial standing is deeply distressingXX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX I XXXX Balance : {$2000.00} XXXXXX/XX/XXXXXXXX Balance : {$10000.00} XXXXXX/XX/XXXXXXXX XXXX : {$3400.00} XXXXXX/XX/XXXX XXXX Balance : {$1300.00} XXXXXX/XX/XXXXOriginal Creditor : XXXX XX/XX/XXXXXXXX Balance : {$430.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have not had an updated credit report since XX/XX/year> i get errors saying Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. or that I dont have enough info for credit report which I know is wrong. Ive even tried to update my new address and still nothing Ive cont aged them several times and they act like they dont know whats going on Ive even sent them documents of my new adddesss and identity verification still no credit report. Ive tried applying for credit cards and they pull XXXX and Im denied because they say they arent able to pull my credit report from experian
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.
Product: Vehicle loan or lease

Finance Company : Ally Account # : XXXX Vehicle : XXXX XXXX, XXXX I am the primary on the account, my daughter is the co-borrower and normally she deals with Ally 's foolishness. 

The final payment was made XX/XX/XXXX in the amount of {$610.00}, the following statement popped : [ Your final payment is pending. You'll soon have access to our title tracking feature, which will keep you up to date about when your title and/or lien release will be processed. We'll send you an email soon as the title tracker is available on your vehicle details page. ] I received via mail a letter dated XX/XX/XXXX Congratulations for paying off your auto financing with document attached that looked like a title but instead of being blue it's pink with the following statement : [ This is to certify that a security interest has been duly filed with the motor vehicle administration in the name of the secured party below on the vehicle described. 
Termination Statement I, the undersigned do hereby release all rights and interest in the vehicle described above ] Signed and dated XX/XX/XXXX additional a sticker with the following information : XXXX  XXXX R XXXX. XXXX XXXX XXXX  XXXX  ( cars VIN ) On XX/XX/XXXX, I contact Ally and spoke with Customer Service Agent XXXX  requesting the vehicles title. I was told that the last payment was rejected on XX/XX/XXXX and that Customer Service Agent XXXX " Reallocated '' the payment on the same day. 

I checked with my bank, the payment DID NOT come back. 

Ally has verified receipt of the final payment for {$610.00}. 

However, I received a registered letter dated XX/XX/XXXX " Notice to Repossess after XXXX XXXX. It indicates that the account is in default and need to make a payment of {$470.00} which is suppose to represent the XX/XX/XXXX and XX/XX/XXXX installment ( s ) plus unpaid charges. '' If the final payment was confirmed received. Why is the account in default? What is the additional {$470.00}? 

We have had issues with Ally throughout the length of this loan. The final payment was made and I want the Title for the vehicle. 

Documents attached.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS DELIBERATELY NOT UPDATED MY CREDIT SCORE AND MY CREDIT LIMIT ON MY XXXX ACCOUNT BECAUSE I HAVE FILED COMPLAINTS IN THE PAST WITH THE XXXX AND THE CONSUMER FINANCIAL PROTECTION BUREAU. LAST MONTH ON XXXX XXXX MY CREDIT UTILIZATION WAS 3 % WITH A CREDIT DEBT OF {$230.00}. AS OF XXXX XXXX MY UTILIZATION DROPPED TO 1 % WITH A CREDIT DEBT OF {$41.00}. AND I CONTACTED XXXX ABOUT EXPERIAN NOT UPDATING MY CREDIT LIMIT FROM {$400.00} TO {$700.00} SINCE XXXX. I ALSO SPOKE WITH SEVERAL PEOPLE AT EXPERIAN WHO BASICALLY TOLD ME A FLAT OUT LIE THAT XXXX HASN'T UPDATED MY ACCOUNT. IF YOU CHECK MY XXXX AND XXXX CREDIT REPORTS YOU WILL SEE XXXX UPDATES MY ACCOUNT EVERY MONTH ON THE XXXX, EXPERIAN TOOK IT UPON THEMSELVES TO UPDATE MY ACCOUNT BACK IN XXXX ON THE XXXX OF THE MONTH WITHOUT PERMISSION OR AUTHORIZATION FROM XXXX AND THEY ARE DELIBERATELY KEEPING MY CREDIT SCORE STAGNATED BECAUSE I CONTACTED THE CONSUMER FINANCIAL PROTECTION BUREAU ABOUT OTHER PROBLEMS I HAVE HAD WITH THEM CONCERNING MY CREDIT REPORT. THEY ARE BREAKING THE LAW. PLEASE I AM BEGGING THE CONSUMER FINANCIAL PROTECTION BUREAU TO INVESTIGATE THIS COMPANY THOROUGHLY.
Product: Credit card

I'm reaching out because I've got a major bone to pick with Citi Bank, and I believe you might be able to help. Over the course of XXXX and XXXX, they've hit me with an eye-watering {$460.00} in return check fees. In XXXX, it was {$99.00}, and this year, I've already shelled out a whopping {$340.00} in these pesky charges. 

Now, let 's be real here if a payment bounces, it's typically because we're having a tough time making ends meet. So, what does Citi Bank do? They slap us with more fees, making our balances soar and pushing the minimum payment further out of reach. It's like a never-ending cycle that's making life even harder for folks who are already feeling the financial squeeze. 

I'm just a regular person trying to make things work, and I feel like these return check fees are piling on the stress. I'm reaching out to the Consumer Financial Protection Bureau in the hopes that they can take a closer look at this situation and help folks like me. Maybe we can convince Citi Bank to cut us a little slack and stop piling on the fees that only make it harder to get back on our feet. 

Thanks for lending an ear, and I hope we can make a positive change here. 

Best regards, [ Your Name ]
Product: Checking or savings account

On XX/XX/year> I contacted Bank of America customer service to get information on one of my accounts. It was then that I was told all my accounts had been closed and my funds withheld until the bank is done reviewing my accounts. No other explanation was given. I spoke with the Fraud Department and Risk Closure Department to get answers but I was again not given one except that the bank decided to end their business with me. The next day, XX/XX/year>, I personally walked into Bank of America to get information and an explanation. The manager and of of the agents both looked into my account. They said the only information they had is that the accounts were closed due to the bank wanting to end their relationship with me. I explained to the agent I had all my funds being withheld without any information or even knowing when Ill have access to them. The agent recommended I call Risk Closure Department and speak with a supervisor and have them file a firm to expedite the access to my funds. I did and was told to call back in 3 business days. When I called back I was told the firm was denied. No reason why. No timeframe on how long it will take the bank to review my accounts and funds. No reason on why the bank is even doing that. Worse is no timeframe on when Ill have access to my funds. All my money is being withheld and I have rent and bills that need to be covered. The bank never sent a letter, email, text or called to inform me of the accounts being closed and to date I still havent received any type of communication and information on their part.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance {$0.00} - XX/XX/year>
Product: Debt collection

I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency. 

Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I entered into consumer credit counseling program which effectively closed all but 3 of my credit card accounts. Two of the major credit bureaus, XXXX  and XXXX, show that my account with XXXX XXXX ( XXXX  ) card is closed. Experian is  the exception. I've contacted the credit card company directly and they confirmed they have updated this information with Experian. I've filed 3 separate disputes with Experian and they have refused to update the status. I've attached the correspondence sent to credit card company, who confirmed they have updated this with Experian. I've also attached the disputes filed with Experian, credit report from XXXX XXXX, and statement from XXXX showing the account is closed.
Product: Credit card or prepaid card

While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$290.00} from southwest credit on XX/XX/2019. This credit card is unauthorized transaction and maybe identity theft is considered.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : 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 card or prepaid card

On XXXX XXXX, 2017, I attempted to access my credit card account with Capital One. When I entered my username and password, a message appeared stating, " We have detected something different about this sign in. Please choose a way to verify your identity before we take you to your account. '' I was unable to proceed to my account information. <P/>I submitted a letter to Capital One, explaining the problem, and requested that Capital One provide a written explanation concerning my sign-in. Capital One responded with a letter dated XX/XX/XXXX, a Case # and a request that I contact their customer service representatives. <P/>On XXXX XXXX, 2017, I submitted a second letter explaining the problem, and that a customer service representative was unacceptable, due to the nature of the problem. I ordered Capital One to provide me a written explanation of the problem, or have a technician contact me. <P/>Thereafter, sometime between XX/XX/XXXX and XXXX XXXX, 2017 a male called with an XXXX accent. I could not understand what he was saying. I said to him, " please have someone call, that speaks English ''. <P/>As of XXXX XXXX, 2017 I am still unable to access my credit card account.