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

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from all 3 of my credit reports as soon as possible. 

XXXX XXXX XXXX XXXX OPENED:XXXX {$500.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$870.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$820.00} ( XXXX  XXXX ) XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$1200.00} ( XXXX XXXX ) XXXX XXXX XXXX ACCT XXXX XXXX OPENED : XX/XX/2022 {$1000.00} ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Bank account or service

I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.
Product: Credit card

Today, on XX/XX/XXXX, at XXXX XXXX, I received a call from Bank of America number XXXX, which number I known because of the call from XXXX XXXX ' at first. We conversed regarding XXXX, which I had much problem due to the disappearance of my business website and email portal and still could not provide any solutions on these matters. Yesterday, I received the call from XXXX XXXX, whom I mentioned previous report regarding Resolution matter connecting your organization, CFPB. In today 's call, XXXX called me about the issue conflicting with my credit card ending XXXX. Since I was tired at that moment, I finished this call just acknowledging it. Now, I wonder she mentioned the card was closed in XXXX, even though I remember I saw the information of it until the beginning of this year and actually, I received a gift card by changing its reward to it and used it at XXXX XXXX. I can check the date of purchase, if necessary. And I received a email from XXXX, one purchase was denied, so I checked XXXX and found out other items in question were purchased by the credit card ending XXXX. I believe the card ending XXXX is usable to purchase my subscription item of XXXX, I will use as a payment method. However, still, I can not see the credit card information ending XXXX and want the replacement card, still. In short, why can I not see my credit card information, even though the charges are made at XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I was denied a personal loan and creditcard with both saying that they could not identify me.I checked my credit report to find multiple mistakes.1.my name not spelled correctly.2 My date of birth was wrong.3.Physical address was wrong. the spelling of my first name was wrong.I sent all three bureaus a letter asking them to delete all incorrect information and remove these pulls from my credit report.I sent all three letters certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest stated that the balance on my account is due to the XXXX  deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX  deductible out of the settlement check before they even paid Bridgecrest so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX  dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX
Product: Debt collection

I spoke with the creditor and they told me to speak with the credit bureau and they failed to remove the unauthorized loans on my credit report! This was not my doing please remove asap I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.
Product: Debt collection

My actual issue is with two debt buyers who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned accounts be removed from all three of the credit bureaus. 

XXXX XXXX Account # XXXX Portfolio Recovery Account # XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Outsource Receivables is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Product: Vehicle loan or lease

The accounts were paid off in XXXX of 2023, with Capital One Auto Finance. I had 2 accounts with them, they sent me the titles in XX/XX/2023. So this closed the account, as of XX/XX/2023 they reported late payments and a balance and hasn't fixed the issue. This ha caused me hardship, ruined my credit score that was XXXX and now I'm a XXXX and can not do a HELOC, because my score was affected by Capital One Auto Finance.
Product: Checking or savings account

on XX/XX/XXXX i deposited {$2000.00} dollars into a chase atm outside of a chase bank. the atm broke upon depositing the cash and gave me a transaction id receipt. i contacted chase and they said theyd file a claim. they did and the claim said the atm tech went out to examine the issue and couldnt find the money. now i have filed a police report and escalated the claim. the atm undoubtedly has visual evidence of me depositing SOME cash into the atm. at this point im looking into getting a lawyer to subpeona to get the footage from chase since they refuse to investigate internally.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/year> at around XXXXXXXX XXXX I attempted to deposit {$3400.00} into my checking account at a drive through capital one atm located outside of the capitol one bank located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I used my debit card ending in XXXX to make this transaction. The amount total was made up of thirty-four {$100.00} dollar bills and two {$20.00} bills. The atm took the entire stack of money and after delayed time in which I thought it was counting the bills, it then spit the two {$20.00} bills out and told me to take the bills. After I retrieved the two {$20.00} bills the slot immediately closed itself. The screen stated I still had items to retrieve but I could not because the slot was closed. Time ran out and it said my items were retained I then called capital one to submit my claim and report what had happened. This ATM stole my {$3400.00} and I need it back
Product: Debt collection

I do not have a contract with LVNV Funding LLC the debt collector does not have my express written consent or any permission to have my information, it is Identity theft LVNV Funding LLC does not have. my permission to contact me 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see XXXX XXXX XXXX XXXX XXXX or substantiation of the alleged Debt the debt is alleged I have not been supplied proof of the debt under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo, 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

i am challenging the accuracy and integrity of the accounts as well
Product: Money transfer, virtual currency, or money service

I am writing to formally to express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies my financial institution Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting

What is this XXXX? Equifax XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX It 's complete XXXX They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this siteXXXX into a scam to drive people to their pay sites! 
Internet Delivery Unavailable - Mail-in RequestWe 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 


Request by MailTo request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX Request ServiceXXXX GA XXXXPlease include with the attached form a copy of XXXX item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

IdentitySocial Security cardPay stub with Social Security NumberXXXX formAddressDriver 's licenseRental or lease agreement/house deedPay stub with addressUtility bill XXXX gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, XXXX forms XXXX. To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the handling of my credit report disputes by the major credit bureaus, including [ XXXX, Equifax, and XXXX ]. I believe that the credit bureaus did not conduct a thorough and complete investigation into the items I disputed, as required by the Fair Credit Reporting Act ( FCRA ).

After conducting my own investigation, I have gathered substantial evidence proving that the credit bureaus did not meet their obligation to investigate my disputes properly. Despite my submission of detailed information and documentation supporting my claims, the credit bureaus failed to correct the inaccuracies in my credit report. As a result, the disputed items remain on my credit report, which has caused significant and unjust harm to my credit standing.

I am requesting the immediate removal of all the disputed items from my credit report, as the credit bureaus have not fulfilled their legal duty to investigate these disputes adequately. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit bureaus comply with the FCRA.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : 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 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 Please delete the following inaccurate phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate employers : XXXX XXXXXXXX By reporting these inaccuracies XXXX you are in violation of 15 USC 1681B ( A ) ( 2 ) XXXX for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt or credit management

I am on the last creditor to repay and I requested that they would start settling with the company. When I started with the debt company, I was told that it would take around 4 years to settle, its going close to 5 years and they are collecting the money, but they are not settling on the last debtor. They say that they will settle when they reach a particular amount, but they will not say how much. They did a repayment for almost all of the credit cards, but they won't for the last company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XXXX Balance : {$3600.00}