23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I attempted to add an external bank account XXXX XXXX XXXX XXXX XXXX ) to our Ally account in order to make transfers from Ally to our XXXX XXXX  XXXX account. I did this through the Ally website and received an automated message that 2 small deposits would be made to my XXXX XXXX XXXX  account. After those 2 deposits were made, I was to return to Ally to verify the amounts to complete the process. On XXXX I received an email from Ally that the account was rejected. I went back to their website and the message on the website indicated that I could delete the XXXX & XXXX account and re-add it at any time. I deleted it, but was unable to re-add it due to an error indicating that the ( optional ) account nickname had already been used. However, using another nickname or leaving the field blank ( as it is optional ) produced the same error. I called Ally and they were not able to add the account either. However, they promised the issue would be resolved in 1-2 days. I subsequently called Ally several more times and each time they would ask me the same questions, such as : " Is this account in your name? ", " What type of account is this? ", " What type of bank is this? ", etc. Ultimately, they would then tell me they needed another 1-2 days. After many calls over many hours, here we are on XXXX and I am still unable to add this account. Ally 's reps have informed me that they are not able to add it either ( confirmed again during a phone call on XXXX at XXXX EST ). There has been NO effort by the bank to actually resolve this. They simply keep telling me they need more time. 9 days is more than sufficient time for them to simply add an external account so that I can complete transfers.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


GM financial, Account Number XXXX, ( XX/XX/year> Late Payment } I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized hard inquiry from my credit report. However, I did not authorize this inquiry and have no association with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FORTIVA/XXXX  Account type - Credit card Date opened - XXXX XXXX, XXXX  Address FORTIVA/XXXX  XXXX XXXX XXXXXXXX XXXX, GA XXXX Above Account created under FORTIVA/XXXX  without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to the Credit reporting Agencies in accordance with the FCRA 's guidelines to ask that the following accounts, which I consider to be erroneous and incomplete, be looked into right away and updated on my credit report. I read over my credit report and found that some of the data was incorrect. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This debt is not mine and I should not be responsible for paying it.
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. 


XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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: Student loan

During the later dates of XXXX, I received a few letters informing me of a court case regarding my private student loan via 'Peaks Private Student Loans '. I continued to pay my loan as always, but then I received a letter from Peaks stating that my private loan had been settled, and that I no longer would owe on this private loan. At the time I found out this information of no longer owing a balance, I had payment that went through an ACH transaction with my bank that I had previously set up to make every month, in the amount of {$77.00}. According to the settlement paperwork, it states 'Vervent will reject or return any payment on your Peaks Loan that is received after XX/XX/XXXX. I then waited a bit to see if I ever saw a refund on the {$77.00} that was debited from my account via ACH, but I never received the refund. So on XX/XX/XXXX I spoke to Peaks Loans, and did as XXXX requested by emailing a bank statement with the withdrawal information, and a trace number the bank provided me for this {$77.00} payment. I was informed I would hear something back, but did not, so I then contacted them again on XX/XX/XXXX. I also spoke to XXXX with Peaks Loans this day, and he wanted me to verify that indeed my payment was made ACH, so I called my bank again and verified that it was ACH withdrawn on XX/XX/XXXX. With this information I called Peak Loans back and advised them again, that it was an ACH withdraw and XXXX then placed an email to his supervisor, and once he heard something back from them, then he would let me know. On XX/XX/XXXX, I contacted Peaks Loans again and spoke with XXXX, and reassured me he had sent this email and he hadn't heard anything back, so I was to wait to hear back from them. Then on XX/XX/XXXX, I decided this was enough time, and called Peaks Loans yet again, and this time I spoke to XXXX again, and he was at a loss and tried to give me a number to call, which in fact was the same phone number in which I had just contacted him at, so that didn't go over very well with me. He then said I needed to call back in 30 minutes because his supervisor was trying to figure out who and where I needed to take this issue to. I then called back 30 minutes later, to get XXXX back on the phone and for him to advise me I would need to reach out to the 'Bureau of Consumer Financial Protection ' that there was nothing more that Peaks Loans could do for me, he also provided me with the state attorney generals name and email address. So I am starting off here by filing a complaint, to see if you all are able to follow through with getting my XXXX payment refunded to me, as the settlement letter stated.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$22000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Follow-Up Dispute of Incorrect Address and Name on Credit File To Whom It May Concern, I am writing to follow up on my previous disputes regarding incorrect addresses and name errors on my Experian credit file. Despite submitting two prior requests, these inaccuracies remain, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Addresses The following outdated addresses do not belong to me and should have been removed upon my first dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes and remove inaccurate, incomplete, or unverifiable information within 30 days. Your failure to act is a direct violation of this law. 
XXXX. Incorrect Name My correct legal name is XXXX XXXX XXXX, as reflected on my XXXX report. However, Experian continues to list my name incorrectly as XXXX XXXX and XXXX XXXX. This discrepancy must be corrected immediately. 

Demand for Immediate Action I demand that Experian : Remove the outdated addresses listed above from my credit report. 
Correct my name to reflect my full legal name : XXXX XXXX XXXX. 
Provide me with written confirmation once these corrections have been made. 
Since you have not complied within the FCRA-mandated timeframe, I have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and exploring legal action. 

I expect your prompt attention to this matter and a resolution within the legally required time. 

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

on XXXX i sent a letter to LEXISNEXIS concerning a bankruptcy thats inaccurate. I challenge the validity of the account # XXXX. They failed to respond to me and its been over 45 days. This is a violation to my consumer rights. Whats the method of verification when when the courts do not provide documentation or verify with me. 
I am requesting the removal of this bankruptcy chapter XXXX # XXXX. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation and it has been over 30 days for your investigation with no response. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the XXXX XXXX, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX v. XXXX XXXX, No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Debt collection

Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP. 

Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times. 

It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties. 

I urge the Bureau to investigate the foregoing matter
Product: Credit card or prepaid card

To be fair, my letter to Citi 's Executive office went out just recently. I could not find an email or online form ( why not? ), so it went out via USPS mail. 

I have taken advantage of multiple Citi USPS mail offers over the case of the last 2 years always reading the terms of these offers and ensuring that I remain within those terms. When applying for one of these offers I have provided 100 % accurate personal information and in most cases with my excellent credit score, have  been instantly approved for each card. On one occasion Citi did require me to call in to verify my identity ; easy and I was approved. For each card I met the spending requirement and was awarded the miles for that spend and the mandated bonus. So far so good. These have been XXXX XXXX branded cards. Interestingly, the offers stopped coming sometime in the summer of XXXX so that was the end of offers. So I thought. 

On XX/XX/XXXX I received an email from XXXX XXXX Corporate Security announcing that my account had been closed, my total of XXXX miles taken and I was no longer eligible to participate in their frequent flyer program again. And an upcoming flights had been instantly canceled. The letter seemed to be a form letter with clips from some terms included, but there never was an exact, explicit claim explaining what I had allegedly done. From reading online I gathered this was because of the Citi offers I had taken advantage of. Yet I complied with all of the terms of the mailer offers I received ( I went back and double checked ) and Citi approved me for each and every offer. The vague claims included fraud, misrepresentation and somehow exploiting something. Again, not clear at all what I have done to XXXX XXXX to warrant this action. 

So, yes, XXXX  was the actor that seems to have caused this issue. Yet my problem includes and was apparently caused by Citi. I can't say to what level Citi was involved, but the fact that XXXX XXXX has punished me for my interactions with Citi? I want to know what part Citi itself had in this scheme. If Citi is issuing XXXX XXXX credit cards and yet XXXX can decide to close accounts and delete the miles earned from these cards then there is something wrong. In fact, I see that Citi is still promoting XXXX   credit cards. I think anyone applying should be made well aware of what is going on. 

I have credit cards issues by Citi that are no longer valuable without an XXXX XXXX number, including a business card and I will need to close all of these if I can not get this issue resolved. 

I have some supporting documents including the email from XXXX XXXX, if required. I would have kept detailed records if I would have ever thought I would need them. This is totally bizarre and unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX # XXXX {$790.00} XXXX XXXX XXXX # XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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, credit repair services, or other personal consumer reports

Equifax was hacked on XXXX XXXX 2017 and provided 143 million US people 's information including Social Security numbers, passwords, addresses and date of births. This information could be used for identity theft. It took over 5 weeks and Equifax 's response is a site that is an unsecured wordpress which should not be trusted with confidential information. I can not use that site to find out if my information is now available to criminals, and it 's unacceptable that the information was leaked, it took so long to respond or how they have handled it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company sagestream, never heard of reported to XXXX XXXX XXXX, made up info about my credit, such as consumer associated with too many phone charges, and that balances on credit limits too high, where are they getting information, and then to top it all off they said my credit score was XXXX what is this at the time my score was XXXX, something no right they need to be investigated, who are they, now Im denied a credit card at XXXX, and I have a account already with XXXX
Product: Mortgage

I was in the middle of a process of loss mitigation. On XXXX, the Bank asked for some documents. On XXXX XXXX, 2015, I sent ALL the documents requested through email, and the Bank officer replied " Received. Thank You ''. On XXXX, I got a letter closing my loss mitigation case because " I did n't send the requested documents '', and the Bank immediately referred my case to Executions. I reacted and proved that I had sent all the information requested. They apologized and continued with the case. They asked for more documents which I updated and provided. My case was open and ongoing when, to my surprise, I was notified with a Foreclosure Summary Claim! The Court has even set my case for trial. And I never got an answer from Loss Mitigation or alternatives I could use to prevent this. The Bank even lied openly on the Claim, affirming that they had a new appraisal of my house, when no appraiser has come to my house. The same Bank has even offered mortgage loans in my area for values under what I owe, provoking a legal discrepancy that affects older mortgages, like mine, that in 20 years, owes more than the value the Bank is attributing my neighbor 's houses.
Product: Credit card or prepaid card

Used " Been Verified '' offer 1 day {$1.00}, paid for it & done. Then a charge of {$31.00} left me a balance of {$1.00}, which I didn't authorize or use services. Filed a dispute onXX/XX/2021 Was told by CSR XXXX  days for answers. I updated numerous times same run around with no avail. Now we are XXXX  days from 90 days & I know no more than I did XX/XX/2021