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

Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX  and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/2024, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. 

As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. 

Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences.

In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees.

I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency.

Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file.

Thank you for your prompt attention to this matter. 

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

To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, and onXX/XX/XXXX, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report I am requesting that those charges be removed immediately. 

-- -XXXX XXXX XXXX Date fraud began :XX/XX/XXXX Total fraudulent amount : {$4600.00} -- -XXXX XXXX XXXX XXXX XXXX Date fraud beganXXXX Total fraudulent amount : {$1300.00} -- -XXXX XXXX XXXX, Date fraud beganXXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX, Date fraud began : XX/XX/ Total fraudulent amount : {$980.00} -- XXXX XXXX XXXXXXXX, Date fraud began:XX/XX/XXXX Total fraudulent amount : {$4800.00}
Product: Debt collection

They are reporting to the credit company I have this debt. I have reach out by laters and phone and toad them on several occasions for years this is not my debt. I never sign or had any agreement with them about this debt. I does not know this debt company this is false information that I need to be removed
Product: Checking or savings account

I have been trying to fight ATM charges on my account since XX/XX/2021 and keep hitting brick walls head on. It's actually been frustrating knowing that someone stole money from your account and you can't even trust your bank to resolve it properly. I initially disputed ATM transactions on my account that were fradulent, only to find out that my bank closed their investigation due to no fraud being detected. I was told to go to my local branch and view photo/video that was located and that would show that someone authorized to use this account had made the withdrawals. To my own knowledge, I am the only person that is authorized to use this account so obviously I took a trip to the branch to view this evidence. The associate pulled up my account and showed an ATM photo of myself. I took a look to verify and it was me. Judging by the background I could tell exactly where this photo was taken so I asked for additional information to confirm. This was taken at an ATM that I use at lease once a month. This brought me to wonder why that transaction was listed in the report. When reading back all of the transactions to me I learned that all of my transactions during that time frame were added to this dispute. At this point I am very angry because I did not report all my transactions as fraud and I dont know why the claims representative would include transations that I did not list. I gave the claims representative a total of 39 transactions, all from the same location. I've attempted multiple times to resolve this by starting another dispute and explaining all of this was an error. I provided the correct information and had multiple disputes started. The end result is always the same, they start their investigation, don't ever respond back and when I end up calling 1-2 months after initiating it. I am told that the investigation was completed and closed. Thank you for not calling me, mailing me any kind of response and not doing a thorough investigation. When the initial investigation was closed, it stated that an investiagtion will not be opened again in the future, So everytime I submit a new claim, this is what they are referring to and not even doing a new investigation. Even though I have submitted new information about the error that had occured during the first investigation. They refuse to do a proper investigation and in the meantime. My money is gone and this isn't pennies on the dollar here, this is allot of money. I also want to note that I have now found 2 merchants that have told me that my bank had performed a charge back and was credited the amount that was being disputed. I find this very troubling because I never received a credit for any of these transactions and when my bank denied the claim they never returned the money back fo the merchant either. So where is this money going? Sounds like back into the bank 's pocket and so I wonder how many more transactions of mine did they charge back and end up keeping the money for themselves. It's even more disturbing because it makes me wonder how many account holders have they actually done this to in total???
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due.

I want this lates removed off my consumer report.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries nor have I applied to them, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Student loan

Pursuant to CFR Title 35, Subtitle B, Chpt VI, Part 682, states as follows : ( 5 ) For Federal Consolidation loans, the period that begins on the date the loan is disbursed and ends no later than 10, 12, 15, 20, 25, or 30 years from that date depending upon the sum of the amount of the Consolidation loan, and the unpaid balance on other student loans, exclusive of any period of deferment or forbearance.

For the two outstanding loans attributed to me, the loans are Loan Type : XXXX XXXX : XXXX Current Owner : NAVIENT XXXX XXXX XXXX Guarantor : XXXX XXXX XXXX XXXX Disbursement Date : XX/XX/XXXX While I made payments throughout deferment and/or forbearance, I went into regular extended standard repayment on XX/XX/XXXX ( understanding repayment would end XXXX ). 

However, on XX/XX/XXXX, I received a " updated payment schedule '' with the following statement : " If you make all remaining payments on time according to this schedule, we estimate that your loans will be paid off in XXXX/XXXX. Your updated payment schedule : Number of Payments XXXX Payment Amount ( $ ) XXXX Due Date XX/XX/XXXX. '' ( See correspondence attached. ) Extending my loans through XXXX results in a total pay period of 36 years from disbursement, exclusive of any periods of deferment. Therefore, it is beyond the 30 years permitted by law. 

I objected to my loan being extended beyond the allowable terms, which resulted in no correction thereof. 

Instead, Navient ignored my legitimate concerns and fraudulently pushed me into an ISR plan I never applied for without consent ( see approval attached ). I reported the identity theft to the FTC ( attached. ) To date, I have never received documents substantiating the alleged XXXX ISR plan and copies of all correspondence despite multiple requests.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account XXXX in XXXX XXXX  XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX  late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and addresses that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX XXXX opened XX/XX/XXXX with a balance is {$590.00} account number- XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00} account number XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} account number XXXX. 

There are also fraudulent addresses which are the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Mortgage

Bank of America 's representative and short sale negotiator, XXXX XXXX, and her supervisor, XXXX XXXX, continue to create unnecessary delays and roadblocks to stall the process of the short sale offer review we have file XXXX behalf of the borrower, XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. XXXX XXXX has suffered loss of job and income due to the ongoing financial crisis in our area and Bank of America seems determined to punish her for her hardship. The excess of pettiness in the demands from XXXX XXXX and her supervisor is beyond any other interactions I have had with Bank of America representatives in the XXXX years have been working with Bank of America in the distressed housing market. I can not believe how ridiculous and nit-picky they are with this file, exceeding all previous transactions I have worked on. I believe there is a personal vendetta or bias on the part of the Bank of America representatives toward the borrower and/or towards me as the legal representative of the borrower. I have requested that Bank of America replace this person but they refuse to. In the latest episode the bank 's representative has put the short sale process on hold while they have demanded an impossible to complete task regarding a change on one of the listing agreement addenda. They are demanding that the change and correction of the listed sale price be initialed by Seller and Buyer. In Oregon, as I am sure the Bank of America XXXX know, it is not permissible for the listing agent, me, to share any of the listing agreement documents with the Buyer or the Buyer 's agent. That is a violation of the fiduciary duty of confidentiality that I have with my client. So, I am put inn the position of being required to complete a task I am not legally allowed to complete. This is just wrong, and petty and unnecessary as well. This is just one example of the lengths that Bank of America and it 's representatives are going to in order to, apparently, stall the process of the short sale until they can force this loan and property into an unnecessary foreclosure.
Product: Credit card or prepaid card

I made a payment of {$300.00} to pay off the balance. They have not applied that payment yet and will not show my available credit correctly. I tried to contact them about this issue and was told I can fax in proof that it had cleared my bank. I then asked if I could email it as I don't have a way to fax it cause who uses fax any more. They said yes but they can't grantee that they will be able to get it of apply it from the email. I just want my account updated correctly so I don't get charged the XXXX XXXX interest rate. I pay this off as soon as I can to keep from paying this huge interest amount.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant XXXX  to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Debt collection

I received a letter from midlantic credit management about a debt. I asked for more information they told me I was being sued and I should already understand why I was being contacted. This debt was apparently from a XXXX XXXX XXXX bill that they had closed down themselves because the bank they used was closing down. I do not think I should be in collections for an account that was closed down.. They sent me letters giving me a weeks notice of being sued. I called them I was talked into making payments I paid XXXX dollars and then they were taking money out every two weeks of XXXX dollars that I could not afford. I then canceled this because I was unaware of why I had to pay XXXX dollars to them especially being in collections. I tried to negotiate a deal the representatives were nasty and were throwing unrealistic numbers at me to pay. They told me I had to pay it. They were rude and degrading. Pressuring me and having no type of compassion what so ever. They call me every day multiple times a day. I have still not received proof of them having this debt I want to understand what this debt is for and if it is reported I see it no where on my credit report. I tried contacting them to get someone in state instead of over seas they told me that they can not give me anyone else to speak with when the month prior I was given a contact person to speak with and they told me no one in state is accepting my account they would not explain anything to me other than that they were attempting to collect a debt.. they called my mothers house, my husbands phone and my phone multiple times a day. Its harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I attempted to activate my XXXX XXXX mini on a different network but I was told by that company that my phone, that I've had for years was unable to work on their network because the phone was locked. I contacted AT & T today via the XXXX XXXX XXXX XXXX Unlock Request online but was denied due to an unpaid balance. I am attaching a screenshot of the email to show such. Since, I have ported my existing number over from my most recent carrier to the new one, neither of which are AT & T, I am now without a phone or means to communicate outside my home. The email did not show a balance so I pulled my credit report and it is showing a balance of {$830.00} under Credence RM ( Original Creditor : 11 XXXX XXXX XXXX  ). This account is showing as a Collection/Chargeoff. I have submitted a complaint against XXXX and XXXX for this same account through CFPB and they both came back saying that the company verified this account so it remained on my credit report although it is very inaccurate. I have also attached a screenshot of my 3B credit report to show the inaccuracies to include the date last active date, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. The last reported date says XX/XX/XXXX and XX/XX/XXXX. The date opened says XX/XX/XXXX and XX/XX/XXXX. Lastly, it shows a balance of {$830.00} but being that this account was CHARGED OFF, and a charge off is considered a certificate of indebtedness which means it is income and must be removed and it has not is a direct violation of my rights as is the reporting of the inaccurate account on XXXX and XXXX. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate and must be removed. In addition to these accounts being removed, my balance with XXXX XXXX XXXX needs to be corrected to paid in full. I want to reiterate that according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In addition to the removal of this account from my credit report, I need this phone, IMEI XXXX XXXX XXXX XXXX, to be unlocked for use. I am a XXXX mother and in need of means of communication. This has caused me severe undue hardship and stress. Not to mention, the level of securities fraud XXXX XXXX XXXX is committing with my account that I have not pursued. I just need my credit report remedied by THE DELETION OF THIS ACCOUNT ON BOTH XXXX AND XXXX, XXXX XXXX XXXX  to update their records to paid in full as it has been and my phone to be unlocked so I can feel safe with the ability to communicate and not worry about the negative impact this falsehood has on my credit report and personal credibility or I will pursue all monetary compensation allowed. I need this remedied within the next XXXX hours. Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumir Reporting agency can not furnish a Account without my written insturctions.

15 USC 1666B : A creditor May not treat a payments an credit card Account under an open end consumer credit plan as late purpose.