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

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the Metro 2 reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report.

I hereby express my profound disappointment and concern regarding the infringement upon my rights. I have meticulously outlined the various issues pertaining to your reporting in the accompanying document. Regrettably, it appears that the aforementioned document is both inadequate and fails to meet the standards that I deem acceptable. I would like to remind you that in accordance with the law, it is imperative that you duly certify all aspects of the required FCRA/Metro 2 compliance, ensuring that such certification is executed truthfully, correctly ( in a timely fashion ), and comprehensively and accurately. Failure to adhere to these obligations may necessitate my escalation of these matters to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my respective Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Transunion a letter disputing the validity of the alleged bankruptcy they are reporting on my credit report. They responded with a letter on XX/XX/XXXX stating that they are investigating my request. On XX/XX/XXXX I sent Transunion the 2nd verification request letter. I sent Transunion a 3rd verification request letter. Transunion responded XX/XX/XXXX that they are investigating. I received a letter from Transunion XX/XX/XXXX stating they are " verified '' this item through the US Courts. I went directly to the US courts to dispute the item in question and was told that the US Court do not verify this item with the credit bureaus. I then sent Transunion another letter on XX/XX/XXXX advising them to confirm who they are verifying their information, and if they are unable to verify the information per the CRA they must remove incorrect information. Transunion responded XX/XX/XXXX again with the same letter stating the US court and how they are not required to reinvestigate the same item. I submitted my last verification request to Transunion XX/XX/XXXX advising them that the information they have is correct and how I have attached the same Court letter multiple times that has reflected the court does not share anything with the credit bureaus and how I would need to contact the credit bureaus. Transunion then responded on XX/XX/XXXX with the same information about the US court being the way they verified the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained excellent payment history and in good standing on all of my accounts. My credit scores across XXXX, XXXX and Equifax were in the XXXXXXXX XXXX when I applied for a new credit card in XX/XX/XXXX. I experienced a small drop in my score of XXXX points but my score quickly bounce back with regular payments. In XX/XX/XXXX, I suddenly experienced a XXXX drop in my Equifax credit score from XXXX to XXXX. I did not experience any such changes with XXXX or XXXX. I pulled my Equifax online credit report XX/XX/XXXX and there was no incorrect information to explain the change. I thought maybe the information might be delayed in reporting and I reran my credit report on XX/XX/XXXX. While my credit score did go up to XXXX, there was nothing on my credit report to dispute that would have caused the critical XXXX point drop. I reached out to Equifax by phone on XX/XX/XXXX to inquire as to why I had such a significant drop and they also could not explain the change. I was told that it is how their credit scoring worked and there was no way to dispute it unless I found incorrect data on my actual credit report. This is a critical issue because I dropped from a rating that is consider " very good '' to " poor. '' and this impacts my ability to obtain a loan with a good interest rate or even able to get a loan at all. Their answer for me to " continue with making my payments on time and monitor for any erroneous information '' does not explain what happened and there is no repercussions for erroneous reporting by Equifax. I did request to speak to a manager but they were not available. I also filed a formal complaint with Equifax to investigate but they were not able to give me a reference # for my complaint. I was simply told that it had been documented and they would send me a report of it. I am outrage that I am being held hostage to Equifax and they have no responsibility to the Consumer. Specifically that I learned back in XX/XX/XXXX, the company reported a " coding glitch '' that impacted the Consumer 's credit scores and there appears to have been no steps taken to correct this.
Product: Credit reporting or other personal consumer reports

I've noticed that there is still an incorrect account listed as correct on my credit report. The information is erroneous, as demonstrated by the documentation I've already attached to this disagreement, but nothing has changed. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires a thorough inquiry and correction of disputed information, is violated by this persistent mistake. I ask that you look into this again right now and see to it that the false information is either fixed or taken off from my credit report.
Product: Debt collection

once again XXXX has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that XXXX the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX  because of what happened I have not gotten a bill from XXXX bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the XXXX department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from XXXX bank said there was no other accounts under the XXXX store that she thought maybe they went to the XXXXXXXX department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from protfolo recovery associates llc. XXXX bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ACCOUNTS. NEVER USED THEM
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information appearing on my credit report regarding an account listed under Prestige Financial Services ( Account Number : XXXX ). After reviewing my credit report, I have identified discrepancies that require immediate investigation and correction. 

The disputed information is as follows : The account is reported as charged off, but I believe this status is inaccurate. [ Provide clarificatione.g., " I made payments, '' " This account was settled, '' or " I was never late. '' ] The reported balance of {$23000.00} appears incorrect. I request validation of this amount, as I believe the actual amount owed or reported should be different. 

The status update in XX/XX/XXXX does not accurately reflect my account history or payment activity. 


Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX conduct a thorough investigation and provide verification of this information. If the disputed items can not be verified, I request that they be corrected or deleted from my credit report. 

I have attached supporting documents [ if applicable ] to substantiate my dispute. Please provide me with written confirmation of the results of your investigation and an updated credit report reflecting any necessary changes. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as required by law. Please contact me at the phone number or email above if additional information is needed. 

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

DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX AMOUNTS : XXXX & XXXX XXXX, XXXX XXXX XXXX {$170.00} AND XXXX XXXX XXXX {$420.00} I went to the XXXX Police station and got a incident report of the event. I went on the Federal Trade Commission 's website and filed a ID theft report. I sent this to the credit companies and they haven't done anything yet.I need help with this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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, XXXX and XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and transunion complies with federal law and provides consumers with the necessary proof of investigation. 

# XXXX Account info Account name XXXX XXXX XXXX Also known as XXXXXXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms 1 Months On record until XXXX XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX XXXX  Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Bank of America Cash Rewards Visa offers and advertises purchase protection as one of their card benefits. This benefit offers purchase protection for recently purchased items that are lost, stolen or damaged. I filed a claim with XXXX for a recently purchased damaged item. I provided all requested documentation. I subsequently provided additional documentation. The claim was denied because the incident was NOT an " act of XXXX. '' The printed brochure I received with the credit card lists " acts of XXXX '' as reasons to deny a claim. This is clearly an example of Bank of America offering a benefit they have no intention of providing.
Product: Vehicle loan or lease

Ally Auto gave my account with my email address to another individual and that person Is pretending to be me. This person is using my email address and my credentials to access my account. I am locked out of my financial account and the other person is using it. I attempted to fix this and Ally says they can't give me any information but I get lots of emails stating this person has taken over my account since XX/XX/2023. They said they can't give me any information and I will not be allowed to access my account and that Person continues to seize my personal information.
Product: Vehicle loan or lease

I leased a XXXX from Ally beginning in XXXX. The lease was to end in XXXX - during XXXX. 
I returned the leased vehicle to XXXX XXXX in XXXX XXXX, Missouri. The XXXX was turned in to the dealership and out of my possession for 11 months before being picked up by Ally. During this time there were several items damaged on the vehicle along with items stolen and lost from the vehicle. I was initially charged for those damages and missing items and eventually lost money on the buyout of the vehicle due to the negligence and fraud committed by the 2 companies. I have repeatedly tried to work this out with the dealership to no avail. I am hoping that getting someone else involved will push them to respond and make things right. The XXXX and Finance manager of the Dealership have been unwilling to remedy this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out over 30 days ago and have not heard anything or received a letter back.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section XXXX { a } { XXXX } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C XXXX, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX
Product: Debt collection

This account was an individual account. The collector contacted my former spouse seeking my contact information and disclosed the name of the creditor as well as the amount owed
Product: Credit reporting or other personal consumer reports

I was asked to file a a police report with my account financial advisor showing a dispute with a XXXX affidavit with a report on my XXXX  but we had a fraudulent review error from my XXXX XXXX XXXX XXXX XXXX. I have to guide my report with a transcript from my compromised account from XXXX data breach considering it was a compromised account from cloud servers with my identity theft affidavit police report. XXXX XXXX was a hacker from the account. I was asked to file a policy claim with my consumer attorney XXXX XXXX showing identity theft fraud alert. My claim will have to contact the credit bureau for claim number with the insurance claim policy. I also want to file a report regarding my account not showing a dispute from my email on my XXXX  website from my square up account and text now business account recovery account phone passwords were compromised from a spy not showings on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with XXXX XXXX ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but XXXX XXXX  sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which XXXX XXXX Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information XXXX XXXX, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on Transunion and XXXX. I can not understand how XXXX could not verify the debt was mine, but Transunion and XXXX were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL TRANSUNION AND XXXX AS IT CAN NOT BE VERIFIED AS MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Product: Credit reporting or other personal consumer reports

CFBP, Dear, Transunion Please delete this hard inquiry XXXX ( Hotel and travel ) XX/XX/year> because it doesnt have permissible purpose according to 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. 
Please see items listed below : Experian Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX