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

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/year>, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within XXXX days of receipt of this letter. If this account is not deleted from your records within XXXX  days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages. 

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the XXXX window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

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

On XX/XX/2020 I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.
Product: Vehicle loan or lease

I financed a car with Don carro, and was told I can drive off with the car with a deferred downpayment. I agreed to the offer. I put w downpayment of XXXX down on XX/XX/XXXX. Due to financial hardships due to covid and also other life hardships I was unable to pay the deferred payment of {$300.00} that was due on XX/XX/XXXX. About a week later it was repossessed. I want to ensure this doesn't go on my credit for the little time I did have with it. I feel as if I was screwed in this deal. I at least want my down payment back or " ( credit ) ".
Product: Credit card or prepaid card

I was the victim of a scam as a student at XXXX University. The scam has been published all over the media. I ended up losing thousands of dollars and had my stipend, earnings, and scholarship from me. I was explaining to Navy Federal that the reason I have a late payment is because of this scam. Typically when incidents like this happen companies are willing to waive the late payment reporting. Navy Federal has refused to cooperate with me. They actually have been terrible. For 5-6 Years I have made payments on time. When I talk to their customer service all I get is this response which does not help me resolve my problem. Navy Federal should be helping trying to get this late payment removed. I was the victim of a scam and had to change my checking account information to avoid having my money taken from me as well. See below. I also did not get my bill. was also told by their collections department that I would not be reported late if I paid before sixty days. I am also writing this goodwill gesture letter. 

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment. 

I want you to know that I understand my financial obligations, and if it werent for XXXX university fraud scam Id have an excellent repayment record. I made a mistake in falling behind, but since then everything has been paid. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. 

Thank you for your consideration, and I hope youll approve my request. 

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

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Product: Debt collection

I have continuously received several phone calls from XXXX XXXX in regards to my Captial One credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. Capital One can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.
Product: Debt collection

Rent Recovery ( M at Lakeline ) This company has purchased or created some fraudulent debt and is targeting me for extortion by attacking my credit file 4 years after the so called first reported delinquency. I purchased a house at the time that they are claiming I was in an apartment. I never lived in that apartment and have no business with them. 4 years after they say it would have been due. This is clearly not valid debt. My name is XXXX XXXX XXXX XXXX. The company M and Lakeline has no record of me when I called them about this false claim. Rent Recovery has a bad record for falsifying debt and attacking peoples credit profiles to force payment. This illegal activity is severely damaging my family, my health, and financial life. I am going to go public with this soon in a Lawsuit if they do not delete this from the credit files and their own records. I refuse to pay debts that are NOT mine! 

Rent Recovery Solutions, You are ordered to cease and desist from reporting this fraudulent information to credit reproting companies and you are required to delete this record immediately in accordance with FDCPA Laws! If this is not deleted from any credit reporting company that you sent this to within the next 5 days as required by Federal Law, I will be filing a lawsuit to seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character.
Product: Mortgage

My mortgage company failed to properly pay my property taxes to the city of XXXX via escrow since I purchased the property in XXXX of XXXX. The money for the taxes can be seen coming out of the escrow account in the records, but it was not received by the town. 

Note that I have never missed a mortgage payment and approximately 40 % + of my monthly mortgage payment ( {$370.00} out of {$860.00} total mo. payment as of most recent statement ) going to escrow to pay my mortgage insurance, property insurance and most importantly, my city property taxes. 

I had received a lien notice from the city in XXXX of XXXX and contacted Mr. Cooper on XX/XX/XXXX. The notice stated that the deadline for the line to be addressed was XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX and about a week later, I received the attached letter from Mr. Cooper stating : " We have completed a review of your escrow account. We contacted XXXX XXXX and confirm that all taxes are paid current, no prior year delinquent taxes on this property. '' [ SEE ATTACHMENT : " Mr. Cooper Letter ( XXXX ) ] On XX/XX/XXXX, I was served with a tax foreclosure notice from the city of XXXX and their counsel- XXXX, XXXX, XXXX & XXXX. Clearly the information in the letter from Mr. Cooper was incorrect. Not only were my property taxes not properly paid, but when I tried to get the issued addressed by Mr. Cooper, I was provided false information from Mr. Cooper assuring me that all taxes were paid. Now I'm at risk of foreclosure due to my mortgage company 's breach of their fiduciary duties. 

Mr. Cooper purchased my mortgage in early XXXX. The previous mortgage company with which this issue originated was XXXX. 

I've attached all documentation I have from both Mr. Cooper and XXXX, including e-mails stating that XXXX was paying my taxes from XX/XX/XXXX and XX/XX/XXXX of every year, as well as escrow statements showing that my taxes were paid when they were not, the foreclosure notice docs that I was served and all other documentation verifying that I provided the mortgage company/companies the money to pay my taxes and they did not do so. 

Throughout this process, Mr. Cooper has never, ever called me directly and I have absolutely no faith that my issues is being addressed with the necessary urgency. I also have no confidence that the Mr. Cooper properly paid my taxes from XXXX of XXXX to the city of XXXX, nor that they have fixed the issue on their end moving forward. Therefore, I do not trust that they will properly pay my taxes in the future. 

I'm not sure what the next steps in the process are here, but if Mr. Cooper fails to address this issue, I will be taking legal action against them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and saw accounts reporting that I dont recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/XXXX, I mailed you a letter disputing ( XXXX ) accounts as fraud, certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/XXXX. I have not received a response from your company as of XX/XX/XXXX. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( XXXX ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required Thank you in advance, XXXX XXXX
Product: Debt collection

Amcol is collecting on a debt for a hospital but is claiming {$4100.00} is owed but the bill from the hospital is for {$2000.00}. It is over a {$2000.00} difference and even with the bill showing the balance, Amcol is still trying to collect the wrong amount. Debtor tried to pay the hospital but it can't accept payment and Amcol refuses to return calls, or investigate the matter. Debtor hired an attorney to resolve the issue, but Amcol refuses to reduce the bill to the correct amount, return phone calls or respond to any correspondence. This is illegal, they can't do this and they are reporting the account on the credit report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim. Someone used my info at the XXXX I need this info / collection removed please
Product: Student loan

I combined all of my loans and had mistakenly thought my private was included. Well, I have been paying $ XXXX/month to " Navient '' ( or supposedly their collections department ) for my loans for 2 years but, on the Navient website when I log in it says that I I am 20 monthly payments past due. When I call to ask they are NO help and tell me I have to pay by loans in FULL to get it from negatively reporting on my credit report. HELP!
Product: Checking or savings account

Today XX/XX/2022 I received a email from Citibank. I called Citi and spoke with a representative. The Representative stated that there was not a block on my account. However a new debit card needed to be ordered in order to access my online account. My phone is currently disconnected so I couldnt not receive the verification code. Representative then transferred me to a supervisor to verify my identity. I answered every question and the supervisor said that I had failed the verification. She instructed me to hang up and call back to do the process over again, I did. Once again a representative transferred to a different supervisor. This time the supervisor tells me that a block has been placed on my account again and I have to wait 60 days. I ask what was the purpose of placing another block on my account, The supervisor said fraud. I have {$4300.00} in my account and I have verified my identity since XXXX XXXX. I keep getting the runaround about my money. Im not giving the opportunity to pay any debts because of being refused access to my account. How can they its because of fraud when theyre denying me the opportunity to pay any thing. CitiBank is the one who is being fraudulent. Im fed up with the XXXX and I am ready to seek legal action against CitiBank
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that two credit card accounts were opened and closed in my name. I never authorized anyone to use my information nor did i give anyone my information to use. This one not of my doing or my actions i dont know who could have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), consumer reporting agencies like XXXX, XXXX, and Experian have a responsibility to be fair, unbiased, and respect my privacy as a consumer. I have the right to ensure my private information is not shared. This is supported by 15 USC 6801, which says that financial institutions must protect their customers ' private information. XXXX, which provides information to credit agencies, is considered a financial institution under this law. 

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can only share a consumer report if they have written permission from the consumer. XXXX and the credit agencies do not have my consentwritten or otherwiseto share my information. I am officially revoking any past consent, whether verbal, implied, or written. 

15 USC 6802 ( b ) ( c ) says that a financial institution can not share private information with a third party unless the consumer is informed and given the chance to opt out. XXXX never gave me this option. Additionally, 15 USC 1681C ( a ) ( 5 ) states that consumer reporting agencies can not include adverse information on a report if it is older than seven years, except for criminal convictions. This account is an adverse item being reported again without my permission, which is illegal. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person should not report information to a credit agency if they know or have reason to believe it is incorrect. 15 U.S. Code 1681e also requires consumer reporting agencies to have proper procedures to ensure they comply with these rules. XXXX, XXXX, and Experian are failing to do so. Additionally, 12 CFR 1016.7 states that a consumer can opt out at any time. I am officially opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX  XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX  XXXX ] [ XXXX ] Transaunion : [ XXXX XXXXXXXX ] [ XXXX ] [ XXXX XXXX XXXX [ XXXX ] [ XXXX ] XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelked my service after the next day and just this week they removed XXXX from my bank account and said they would return it and have not my account is in the negitive and they are not trying to gelp at all but to make me fall and steal my money after telling them XXXX day after i talked to them that i did not want there service at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX  on XX/XX/2022 XXXX XXXX on XX/XX/2022 Capital one on XX/XX/2022 XXXX on XX/XX/2022 XXXX XXXX XXXX bank on XX/XX/2022