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

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with Maximum Accuracy. 

I contacted Experian, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted Experian, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX, XXXX, MA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Re : Complaints # XXXX and XXXX To Whom It May Concern : Thank you for your detailed response. After reviewing the information provided, I respectfully dispute the tradeline reported by Bridgecrest Acceptance Corporation and request its removal from my credit report for the following reasons : Verification of Accurate Reporting : While Bridgecrest claims to have accurately and lawfully reported the account, I am requesting a full audit of the information reported to the credit reporting agencies. Any discrepancies, including but not limited to the dates of delinquency, the amounts past due, or the charge-off balance, would render the reporting inaccurate under the Fair Credit Reporting Act ( FCRA ). 
Compliance with the Fair Debt Collection Practices Act ( FDCPA ) : I am requesting that Bridgecrest demonstrate compliance with all applicable FDCPA requirements, including proper notification regarding the repossession, auction, and deficiency balance. Any failure to meet these requirements may invalidate the debt or portions of it. 
Disputes and Investigations : Bridgecrest acknowledged receiving multiple indirect credit reporting disputes from XXXX  through XXXX. Under the FCRA, information disputed by a consumer must be verified for accuracy and completeness. If Bridgecrest has not conducted a reasonable investigation into my claims, or if it failed to correct any inaccuracies found during its investigations, this could constitute non-compliance. 
Notice of Disposition : I request evidence that the Notice of Disposition sent on XX/XX/XXXX, was properly delivered in compliance with the Uniform Commercial Code ( UCC ). Failure to deliver this notice appropriately can impact the deficiency balance and the right to report the debt. 
Charge-Off Reporting : The timeline between repossession, charge-off, and sale of the vehicle raises questions about the accuracy and legality of the reporting. Bridgecrest must ensure that the reported information accurately reflects the true status of the account, including proceeds applied from the sale. 
In light of the above, I formally request the following : A detailed breakdown of the debt validation process conducted by Bridgecrest, including all documentation and calculations supporting the tradeline. 
Evidence that all reporting complies with FCRA and FDCPA requirements. 
Immediate removal of the tradeline if any inaccuracies, procedural errors, or non-compliance issues are found. 
Failure to address these concerns adequately may result in further complaints filed with the CFPB and potential legal action under FCRA and FDCPA protections. I look forward to your prompt response and resolution of this matter. 

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

In XX/XX/year> Equifax DELETE this collection from my credit file after i place a dispute XXXX but this collection by the way NOT MINE still still appears on my credit file also XXXX delete this account as well, open attach
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Discover Bank, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I transferred my balance fro m American Express to   XXXX   XXXX   XXXX  . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.
Product: Credit card or prepaid card

I made a Credit Card balance transfer from Citi Bank to XXXX  XXXX XXXX in XX/XX/2023 as I was trying to take advantage of a no interest promotion for 2 years being offered by XXXX  XXXX XXXX. I made the transfer using the camera feature for the transfer on XX/XX/2023 but the funds never reached my XXXX XXXX XXXX card. The amount in question is {$4500.00}. This amount is already being charged onto my Citibank XXXX account although there is no objective evidence that the {$4500.00} dollars expected from this transaction was ever credited between Citibank and XXXX  XXXX XXXX. I have spoken multiple times with Citibank and XXXX  XXXX XXXX on this issue but no Corrective Action has been taken. With Citibank alone I spoke with three different supervisors identified as XXXX ID # XXXX and XXXX ID # XXXX and a Third one named XXXX. Two case ID 's were opened on my behalf XXXX and XXXX but no additional follow up from either Bank has been conducted and no attempt from either Bank Institutions to mitigate noted discrepancy. XXXX XXXX XXXX provided me with case number XXXX but nothing is happening. I desperately need your help as time is of the essence. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are 3  XXXX   XXXX  Inquires for 3 days in a row that I did not authorize. Th e 2 I  am disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2  inquiries for  XXXX   XXXX . The other  2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On Equifax there are  2 inqui ries per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters an d not one  of them has responded but  XXXX   XXXX  for  the one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
Product: Mortgage

I was working with Truist loss mitigation to submit documents to be notarized. I have co signers that are on the loan that need to sign in order for notarization to go through. One of which has passed away and I sent the death certificate over in XXXX XXXX XXXX  In XX/XX/XXXX they sent the documents over to me to be notarized I asked before I took a flight to South Carolina if the co signer was off of the documents and they said they would take them off. So took flight to South Carolina and got documents notarized. I got a response in XXXX saying they did want the Death Certificate of one of the co signers. I sent that over to them. 

In the XXXX they sent new documents to me but I informed them I need time to get them signed because I cant travel due to work as I am a manager in a retail store and it is busy so I cant take time off work. They told me the last date to sign is XX/XX/XXXX. I told them I couldnt make that date and they said they would have to restart program. 

Now they have took me off of loss mitigation and I am facing foreclosure after they have given me false information after I have even traveled to make their demands met. 

This has been an extremely frustrating and difficult process. While I understand its not the banks fault that I have co signers that live in another state, when I have tried to communicate with them and work with them they have either given me false information or just lied to me.
Product: Credit reporting or other personal consumer reports

Issue : Fraud alert not removed by XXXX representative. Details : Spoke with XXXX ( Consumer Affairs ) on XX/XX/year>. Requested removal of fraud alert. Was told they couldn't remove it because of technical issues once again blocking me from access to credit. saying this is in litigation when the case has been settled is manipulation I will add proof.
Product: Bank account or service

CapitalOne360 is not sending me money from my Mothers estate. I am the executor and have submitted all the paperwork. They claim XXXX check was sent in XXXX to my old address but it never came. They wanted to charge me {$25.00} for a stop payment. When I asked for proof it was ever mailed, they agreed top send another. I gave them my new address, which they already are sending mailings to, but they claim the new check was mailed on XXXX XXXX give or take a day. Never arrived. 
The other account is an Individual account that required a Letter of Testamentary and an Affadavit of Residence. I sent them. They said one was n't notarized so I sent it again. In XXXX they sent an email saying the check would be sent out. It was n't. 
Every time I call, I get different people who apologize profusely, promise to fix this and nothing gets done. No follow up calls, no emails. The last time they emailed me was to say the check was being drawn upo. That was XXXX. You can no longer log into the accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint against Experian and XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : Incorrect reporting of charge-off and late payments. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
Section 611 : Right to dispute inaccuracies and request investigation. 
Section 623 ( a ) ( 5 ) : Removal of unverifiable information that has not been validated by the original creditor. 
15 U.S. Code 1681e ( b ) : Ensures that procedures for including information in credit reports ensure maximum possible accuracy. 
Despite my request, Experian and XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
Additional Information : Attached documents : Updated credit report from Experian and XXXX showing unresolved discrepancies. 
Supporting documentation, including correspondence with the creditor. 
Resolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that Experian and XXXX complies with the FCRA by : Conducting a full investigation into my dispute. 
Correcting or removing any inaccuracies found in my credit report. 
Ensuring that all reporting practices align with federal regulations. 
Removing all accounts reported inaccurately due to the violations of the FCRA. 
Applicable FCRA Violations : 15 U.S. Code 1681i : Failure to correct inaccurate or unverifiable information within 30 days. 
15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy. 
15 U.S. Code 1681s-2 : Failure of the furnisher to investigate and correct inaccuracies upon notice of dispute. 
Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

For the last several years, I have been able to transfer my funds from Ally to my other banking institutions relatively quickly. About a month ago, I attempted to send money from Ally to another bank using XXXX. XXXX has always been an instant transfer. After I set up the transfer, I received a notification that it would take 3-4 days. 

I called to find out why and was given a lot of conflicting and confusing information. I asked to speak to a supervisor and still was not able to find out why. I sent an email to their executive office and received phone messages from someone named XXXX. When I left messages at the number he left, he never returned my calls. 

After over a week I received an email letter saying that because I had an automatic transfer from a credit union refused, they were punishing me by making it harder to access my own funds. The reason the auto-transfer was refused was that I had closed the account with the credit union . I had canceled the auto-transfer on Ally 's site but they attempted to take the money out anyway and later punished me for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discussed these accounts for more than 30 days and I do not receive answers, this is affecting my credit report and my peace of mind.
Product: Credit reporting or other personal consumer reports

Ever since XXXX when I found my identity had been stolen and used to open numerous accounts in my name, I have been fighting to get my life put back together. Transunion has not been of any help and refuses to hold up their legal end. I have supplied them with evidence directly from the creditors and they refuse to remove these credit items from my credit report. They simply state that they will investigate it which usually means they kick the can 30 days down the road and do nothing. This is causing pernicious mental and financial harm to my family that Transunion will be liable for if this is not remedied immediately. These accounts need to be removed from my report. The creditors themselves stated that they do not belong to me, I am not sure why Transunion refuses to correct this wrong information on my credit file. I will attach the documentation below to show the accounts in questions.
Product: Debt collection

I have received several call from an agency regarding a debt for a rent property the agency has stated calling to XXXX a debt on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 an 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
Product: Vehicle loan or lease

I've submitted documetation to XXXX and Credit Acceptance in Michigan. I RETURNED a uses fault vehicle to XXXX XXXX in XXXX NJ and I called Credit Acceptance and indicated that I returned the vehicle and was advised to write a letter indicating cancellation of the loan. I did that and now Credit Acceptance is  destroying my credit report in which is destroying my livelihood. XXXX is siding with the company and does nothing for consumers ... I have written to the ATTORNEY general in Michigan to speak of the FRAUDELENT activities if the loan company CREDIT Acceptance ... I want this negative item removed from my credit report..if the loan is cancelled why is this information showing up as negative on my report ... I was lied to by the dealership who is working with no good banks, please help me remove rhis item from my report
Product: Credit reporting or other personal consumer reports

Equifax has reported that the bankruptcy is reporting correctly on my consumer credit report. I did not give Equifax any permissible purpose to report my private and federally protected information on any report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. The bankruptcy courts have sent me a letter stating the XXXX XXXX XXXXXXXX does not share personal information with any consumer credit reporting agencies and I have provided the letter from the XXXX XXXX XXXX XXXXXXXX in support of this. Equifax is in violation of my consumer rights. 
This federally protected law also falls to the USC Codes which Equifax is now committing a crime pursuant to 18 U.S. Code 8 - Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Equifax reporting any debt is a criminal offense and I intend to use every part of law enforcement to pursue criminal charges. 



Here is a copy of there response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE ADVISED EQUIFAX NO LONGER REPORTS JUDGMENTS OR LIENS ON THE EQUIFAX CREDIT FILE. Trade : STATE OF XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : STATE OF XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION NON REPORTING DISPUTES Trade : TOTALLY THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to validate the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.