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

I lodged a complaint in the form disputes through their official websites. Against these Bureaus ( XXXX, XXXX, Experian ) more than a month ago regarding inaccurate and negative information on so called credit reports. but unfortunately, the inaccurate information on my report still remains on my report. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the data leak and XXXX data breach.
Product: Vehicle loan or lease

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When doing investigate everything came back accurate. I thought. When I check my credit report I have negative information that is now close but inaccurate reporting on all 3 bureaus. I have dates wrong, dates when my account close, and balance, and close account that is still being paid on when it should be closed. I have not gave no one permission to pass my information all to collection agency. I have been patience and trusting the process. 
Here are the account that need to be investigate again : XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX These account has false information report on my credit report. Could you confirm to me everything accurateon my credit report
Product: Payday loan, title loan, personal loan, or advance loan

I have read that One Main Financial is in the middle of a lawsuit for misguiding their customers. 

I had several loans with them and think I could have been a victim without knowing it. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX CREDIT CORP SOLUTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Validation Request - Account Number XXXX Dear CREDIT CORP SOLUTIONS I am writing to request validation of the debt you are attempting to collect from me. I have a collection on my consumer report stating that I owe {$1000.00} on account number ( XXXX ) Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate this debt : XXXX. The amount of the debt ; XXXX. The name and address of the ORIGINAL creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the ORIGINAL contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as required by law. 

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

Collection agency LV Funding Inc on XX/XX/XXXX in the amount of {$870.00} and XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) LV Funding has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following accounts on my credit report, which I believe to be incorrect and have disputed numerous times without resolution. The continued presence of these accounts has caused significant hardship in my life and financial situation. 

The accounts I am disputing are : XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX I request that you investigate these accounts thoroughly. If adequate verification is not provided to support their accuracy, I demand they be removed from my credit report immediately. 

If verification of these accounts is available, please send me this documentation so I can better understand how these accounts can be considered valid. If not - delete immediately. 

Your prompt attention to this matter is appreciated, as I hope to resolve this issue quickly. Please respond within 30 days, as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing in reference to the recent response of XXXX, XXXX and TransUnion to my CFPB complaints, dated XX/XX/year>, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies. 

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX- Same Inconsistent Details XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX - Removed in XXXX and TransUnion on XXXX XXXX  XXXX - Account # : XXXX - Removed in XXXX on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 

I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal. 

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Incorrect Items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Friday XX/XX/year> I filled a dispute around XXXX XXXX XXXX XXXX a temporary credit was issued to my account. I checked aint account around XXXX and seen my account has been frozen. I called the bank for more information and was told I cant use debit card only withdraw from bank. Saturday XX/XX/scrub>XXXX XXXX XXXX I came to the bank was told I cant withdrawal anythings after an hour I was able to withdrawn XXXX. The rest I have to wait till Tuesday. Tuesday morning XXXX XXXX I call then bank and spoke with XXXX XXXX and was informed I can withdraw XXXX from my saving and XXXX XXXX from my checking. The temp credit was on hold until investigation complete. Now I come to the bank and I getting the run around saying I cant withdraw anything. Until investigation is complete which could take 90 days. They are unfairly holding my money.
Product: Student loan

I sent in my XXXX month for PSLF recertification on XX/XX/XXXX. It has still not been processed as of XX/XX/XXXX. I have sent at least XXXX emails, XXXX and XXXX with no response. I talked with a representative on XXXX who told me I had to make the last payment. She could not tell me why the recertification has not been processed. She said it could take 3 months to process that and then 3 months to dismiss the loan. I had to keep paying until that happened and then wait at least XXXX more months to get reimbursed.
Product: Prepaid card

There were XXXX unauthorized transactions on my account dated XX/XX/XXXX. On XX/XX/XXXX, after multiple attempts to contact American Express, the transactions were confirmed unauthorized and I was told the amounts would be credited back to my prepaid bluebird card. I had such a difficult time reaching a representative at the company the multiple times that I called, that I told them I wanted to cancel the card and have the money refunded to me via XXXX XXXX. I was told the max amount that could be sent was {$450.00} I said that was fine and I would cancel the card after I used my refunded amount. I was told to call back in 48 hours for a tracking number. When I called back, they could not locate a tracking number and I was told to call back again in 48 hours. This cycle repeated itself with multiple representatives ( some who did not understand what the problem was due to the language barrier of their call center being located in the XXXX ) until XX/XX/XXXX, when I was finally issued a tracking number. I went to XXXX XXXX and was told the number was invalid. I called AmEx again and they confirmed the number was correct and that I should try again in 48 hours. Again, the number was invalid and I was told to call back in 24 hours. The cycle continued again until XXXX XXXX when the tracking number expired. Since that date, I have made multiple phone calls to obtain a new number and XXXX times in row was told there was no record of my previous call and to call back in 48 hours. Today, XXXX XXXX, I was able to reach someone at XXXX XXXX who told me the money has been returned to AmEx and I need to deal only with them. This has been ongoing for nearly six months and American Express still owes me {$450.00}. I will never use anything related to American Express again.
Product: Credit reporting, credit repair services, 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 has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX, I received a letter from Wells Fargo Bank stating that my credit card application ( # XXXX ) could not be processed because the bank was unable to verify my identity. 

I want to confirm that I did not submit this application. It is a fraudulent request made by someone who has stolen my personal information. 

On XX/XX/XXXX, I called Wells Fargo to report this matter. I was informed that the application would be voided and that the credit bureaus would be notified of the fraudulent application.
Product: Debt collection

This account is not mine they will not send original contract with accurate information that has my correct information. I've disputed this 5 times and they will not remove it from all 3 credit reports Completed Disputes XXXX Jefferson capital syst XXXX XXXX XXXX XXXX Jefferson capital syst 1 more..XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 more... 
Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it. 
XXXX XXXX Protect my info XXXX Date Generated XX/XX/XXXX JEFFERSON CAPITAL SYST Account Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX Collection Payment history guide Collection as of XXXX XXXX Historical info Original creditor XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Tried to check status of credit freeze online for TransUnion- service is unavailable and has been for months
Product: Credit card or prepaid card

I successfully applied for a credit card at the Bank of America in XX/XX/XXXX. At that time I was a non-resident alien and didn't have an SSN. Later I got my SSN. I reported my SSN to Bank of America in XX/XX/XXXX. 

After that, the Bank of America closed my credit card without any notification. I noticed that I can no longer use my credit card, so I made a phone call to the customer service at the Bank of America. The customer service operator told me that I should wait for a letter that requested additional information. But I never received the letter. 

Since then, I contacted the Bank of America multiple times, yet no one told me what I can do, or should do, or whether they can re-send the letter. In XXXX, my credit card was closed, which also resulted in a huge drop in my credit score. In my later conversations with Bank of America, they do not acknowledge any responsibility nor do they provide any feasible solutions, except convincing me to submit new applications that were denied again and again because of multiple reasons including that identity can not be verified, which is due to that I did not reply " the letter ''.
Product: Checking or savings account

My account with Regions bank XXXX XXXX XXXX Texas was locked due to verification with address. Which I had already had went into the branch a month prior to XXXX XXXX when my I received email to come in person to open account which I brought my lease supporting documentation for my address along with making {$60.00} deposit I reach out to bank manger XXXX XXXX XX/XX/year> we spoke over the phone and she told me she didnt know what the gentleman did with the copy of my lease he no longer works there I have the correspondence Ive sent her this morning and still no resolution Im getting the run around I may not have millions in theyre bank but Im a customer and I need the little bit of my money to make it to work Ive had to miss work since Saturday due to not being able to go in due to this situation. I just need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to Transunion on XX/XX/2022 asking them to investigate the erroneous information they placed onto my credit report. there are inquires that wasn't initiated by me. Transunion responded on XX/XX/2022 with a informational letter about inquiries but not a response to my request to remove the false information. 
The inquiries are as follows : XXXX XXXX inquiry date XXXX XXXXXXXX XXXX XXXXXXXX inquiry date XXXX XXXX XXXX inquiry XXXX XXXX According to 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I am aware my rights were violated under this law and I want the inquires deleted.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft since XXXX and have been fighting to keep my report updated and accurate. 

Please review the attached dispute letter for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXX/XX/XXXXXXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

ture accord trying to collect debt not mine. Contact has only my name on it not sign by me. Name printed on the contact too neat for my writing. Sales person on contact no longer with mattress co
Product: Credit card or prepaid card

Prepaid gift card of {$200.00} was purchased on XXXX XXXX, 2022. 
Activation would not work on XXXX XXXX, 2022. 
When I contacted the number given on the card, they alleged they would send replacement card that would arrive in 2-4 weeks. 
No replacement card arrived. 
It has now been nearly 2 months. 
When following up, the company now alleges that a replacement card can not be provided unless personal information is shared.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX