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

XXXXSubject : XXXX Notification of Deleted Account from XXXX Credit Report and Request for Action by Credit Reporting Agencies Dear Credit reporting department , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of the recent deletion of a charge-off account from my XXXX credit report. The account in question is related to XXXX XXXX and XXXX  XXXX XXXX and had a balance of {$13000.00}. 

On XX/XX/year>, XXXX completed an investigation of a dispute I filed regarding this account. As a result of the dispute, the account was deleted from my XXXX credit report. This deletion indicates that the information regarding this account was unverifiable or inaccurate. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the major credit reporting agencies ( Experian, XXXX, and XXXX ) also investigate this account and remove it from my credit reports. Since XXXX deleted the account, it is clear that the information is no longer verifiable, and as such, the credit reporting agencies should do the same. The FCRA requires that information reported on credit reports must be accurate, complete, and verifiable. 

Specifically, I am requesting that you take the following actions : XXXX. Investigate the XXXX  XXXX and XXXX  XXXX XXXX charge-off account that appears on my credit report. 
XXXX. Remove the account from my credit report if it is not verified or proven to be accurate. 
XXXX. Complete this process within 30 days of this letter, in accordance with the requirements of the FCRA. 

As a consumer, I am protected by the following key consumer laws XXXX XXXX XXXXFair Credit Reporting Act ( FCRA ) XXXX  : Under 15 U.S.C. 1681i, if information in my credit report is found to be inaccurate or unverifiable, it must be removed. The FCRA requires that credit reporting agencies ensure that the information they report is complete and accurate. 
XXXX XXXXFair Debt Collection Practices Act ( FDCPA ) XXXX XXXX  Under 15 U.S.C. 1692e, if the debt is not verifiable, the creditor or debt collector is prohibited from reporting it to credit bureaus. 

If this information is not removed from my credit report within 30 days, I will consider pursuing legal action under the FCRA and FDCPA. These laws provide consumers with the right to file a lawsuit for damages, including statutory damages, actual damages, and attorney fees, if a credit reporting agency fails to comply with the law regarding the accuracy and completeness of information. 

I urge you to act swiftly in this matter to avoid further legal actions. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

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

XXXX is currently reporting several accounts as charge off accounts. These loans were paid in full via a loan consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.
Product: Checking or savings account

BMO Bank , N.A . advertised online that a new checking account customer would be eligible to receive a {$350.00} bonus if the account is open and in good standing and has received cumulative direct deposits of {$4000.00} or more. A new checking customer, per their definition, is someone who has not received an opening bonus or closed a checking account with them in the last XXXX XXXX. 

For me specifically, I have had an account with BMO Bank , N.A . up until XX/XX/XXXX, which was closed on that day by me via phone call, with a call record with XXXX ( BMO 's customer service line ) shown in the attachment. 

This year on XX/XX/XXXX, I opened BMO Smart Advantage checking account with them. During the application process, I was informed that my promo code of {$350.00} with terms stated above had been applied. 

Today on XX/XX/XXXX, out of curiosity to verify whether or not the promotional code had been truly applied, I called the XXXX customer service. They informed me that, as shown their system, the checking account was coded as being closed on XX/XX/XXXX, making my closure date within XXXX XXXX  ( XXXX XXXX ) and they hence decided to, contrary to the statement earlier that the promotion was applied, retroactively deprive me of the promotion, despite the account was actually closed on XX/XX/XXXX.
Product: Credit card or prepaid card

I did not make these charges. 

XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/2022 XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$43.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. I never made a late payment to this company ever please change this, I have a good relationship with this company Delete the late payments on XXXX, XXXX   XXXX, XXXX/XXXX  XXXX
Product: Credit reporting 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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown # XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my XXXX  and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXX  we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX Affirm reported me as being late to XXXX on a loan I had taken out in XXXX of XXXX. The report simply stated that I was past due XXXX dollars without giving any other account information. This reporting was erroneous, as I had previously paid the past due amount earlier in the month. The account was paid off on XX/XX/XXXX. I promptly submitted a dispute with XXXX in XXXX of XXXX. Within several days the dispute results returned as verified. Between the periods of XXXX XX/XX/XXXX, Affirm continued to report me late to XXXX XXXX despite the account being paid off and closed. During this time period, 13 different disputes were made with XXXX regarding this issue. In each instance, XXXX " verified '' the information without making any necessary adjustments. In one instance, XXXX " verified '' the information and sent me the results within 15 minutes. It is unclear how a proper investigation could be conducted in a period of 15 minutes. 
During the period of XXXX XX/XX/XXXX, multiple certified letters were sent to both XXXX and Affirm regarding this account. The letters clearly stated that I was disputing the accuracy of this reporting based on the account being paid off, and it being continually reported as late. Each correspondence was received, as I received a return receipt for each letter sent. Additionally, I spoke to several employees at XXXX who stated to me they were continuing to receive updates from Affirm that the account was late. Also, Affirm sent me several " escalation '' emails that did not address my issue, but instead, simply stated my requests were denied. After a complaint iwth the CFPB in XXXX of XXXX, XXXX updated the account to paid. However, the account is still showing as past due and paid off at the same time, and remains a " derrogatory '' item in XXXX reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information included in my Ftc report is fraudulent I demand immediate removal I'm in the middle of purchasing a home and this has affected e as I have reached out to credit bureaus to resolve this fraud. Violation of my consumer rights 15 USC 1681 law prohibits false information from being reported immediately remove these items i have attached ftc.
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had XXXX payments on an account that I was never late for Consumer Reporting 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 XXXX : XXXX 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 to on time as they should be as I was Never late. Thanks
Product: Debt collection

I am submitting a complaint regarding XXXX XXXX XXXX for inaccurately reporting a fraudulent debt on my credit report. This debt was opened without my authorization and is part of an identity theft case. I respectfully request that the CFPB assist in ensuring that this fraudulent account and related collections are promptly removed from my credit reports with Equifax, XXXX, and XXXX. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$460.00} Open Date : XX/XX/XXXX Reported Delinquency : XX/XX/XXXX Issue Summary : 1. Fraudulent Account Creation : This account was opened fraudulently due to identity theft. My personal information was compromised without my consent, leading to this unauthorized debt. 


2. Collection Activity by XXXX XXXX XXXX : Despite this account being unauthorized, XXXX XXXX XXXX is reporting a balance of {$460.00} and listing the account as delinquent as of XX/XX/XXXX. Their continued reporting of this fraudulent debt has been damaging to my credit and personal financial standing. 


3. Previous Reports of Identity Theft : I have previously reported this fraudulent activity to the Federal Trade Commission ( FTC ) and notified both Equifax and the original creditor about this unauthorized account. However, XXXX XXXX XXXX continues to report this debt as a valid collection, ignoring the documented evidence of identity theft. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus. 

Resolution Requested : Immediate removal of all references to this fraudulent account from my credit reports with Equifax, XXXX, and XXXX. 

Cease all collection activity by XXXX XXXX XXXX regarding this unauthorized account. 

Assurance that XXXX XXXX XXXX updates its records and implements stronger safeguards to prevent continued reporting and collection of debts related to documented cases of identity theft. 


This ongoing reporting of a fraudulent account has caused significant harm to my credit and financial stability, and I seek the CFPBs support in resolving this matter fairly and promptly. 

Thank you for your attention to this complaint. 

Sincerely,
Product: Mortgage

I recently filed Complaint No. XXXX. The response received from PennyMac was inaccurate. The response suggested that I did not provide instructions as to how additional monies should be applied to my account. This statement is untrue. I have spoken with multiple representatives throughout the duration of my loan and it has been suggested that a code would be applied to my account. Furthermore, the representative who responded to Complaint No. XXXX also suggested that she would speak with her Billing department to ensure that all payment overages were applied to the principal mortgage balance. 

Notably, I recently remitted a payment and the overage in the amount of {$88.00} was not applied to the principal balance. Please review the attached screenshot for confirmation. This is becoming extremely annoying always having to follow-up and ensue that my payments are applied to my loan properly.
Product: Debt collection

They have repeatedly called. Asking for someone that is not even at the number. The number is a business number. They immediatley say the call is being recorded and when I ask them not to record, they wont. Which in Pennsylvania it is a crime, wire tapping, to record without permission or a warrant. They usually will not identify themselves or the company they are calling from.
Product: Debt collection

I already have disputed this account multiple times for the last 10 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesn't make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a medical debt appearing on my Equifax Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX  is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and Equifax to have this account blocked.
Product: Credit card

XX/XX/year> account was opened or the amount {$5200.00}
Product: Debt collection

I have tried to get Transunion refused to unlock or unfreeze my account. they ask me questions that don't match my answer or they ask me for 6 digit number which i didn't no. For 2 months I have tried to get into my account for medical reasons but was unsuccessful. I've been told my account was being merged and now they say they are during Maintenace on my acct. I got into my acct today and they merge my account with my daughters and my sons friends. I tried to correct the information and then they lock me out of the account. I spoke to 3 different agent and a supervisor, and they all said the same thing. To call back a try to answer the question correctly. I said how can i answer the question when it pertain to someone else. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have fraudulent hard inquiries in my credit report, I realized something was wrong after I log in to my Experian account. I immediately contact Experian and the creditors to let them know I was being a victim of identity theft. XXXX contact me after 3 suspicious applications under my name, I immediately lock my Experian credit report. Please remove from my credit report these fraudulent hard inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did not receive an invoice from XXXX XXXX XXXX and the first I knew about this was a collection call from Credence. 
After calling my insurance and communication with the collection company was informed to wait Until it was sorted out. 
I did not receive any information by mail or phone with updates. 
On XX/XX/ I received another collection call this one for a lower amount. No Breakdown of charges or explanations of new charges was given. 
I also could not understand the person very well due to a language barrier.
Product: Consumer Loan

Reviewing the payment history of my vehicle which was totaled XXXX XXXX 2016 ... ..I was concerned about the XX/XX/XXXX payment being returned due to the fact I paid it early, but totaled the vehicle before it was due. While looking into that I noticed inconsistent application of my monthly Principal and Interest payments by the lender. If someone could review this history and determine that I was caused no harm in that my payments were in some cases not applied to my principal balance ( not even in part ) causing my payment to not change ( decrease ) ... then I ask for this to be corrected and me to be reimbursed.
Product: Debt collection

To whom it may concern sometime in XX/XX/2020 I ordered on line a product called XXXX XXXX XXXX just for $ XXXX for shipping only and I received one tiny bottle and after that did not receive anything after 13 days I did call to cancel seems like did not recorded ( as scam ) and all of a sudden I received at {$200.00} something from the collection agency Im trying to solve this problem they said u committed but this is on line scam probably they do that to everybody. So please contact me perhaps a lot of victims out there like this matter. Thanks
Product: Checking or savings account

Checkmark : Your message has been sent Reply toChase Online SubjectRe : Account inquiry ReplyXXXX has no account attached to me BUT CHARGES ME XXXX AND XXXX REPEATEDLY THE CUSTOMER SERVICE PHONE NUMBERS DISCONNECT REPEATEDLY FROM VERIFIED COMPLAINTS OF UNAUTHORIZED CHARGES FROM XXXX and XXXX has been fined for unauthorized charges and financial fraud schemes with the public Here is the information showing more deception information regarding violations and I NEVER HAD AN XXXX XXXX KEEPING XXXX ACCOUNT EVER, THE CHARGES COMES FROM CALIFORNIA BUT I KNIW THE CUSTOMER SERVICE CALLS ARE ROUTED TO XXXX, AND THEY KEEP APOLOGIZING FOR FRAUDULENT CHARGES BUT WILL NOT STOP CHARGES OR INITIATE REIMBURSEMENT REPEATEDLY STATING FALSIFIED REPORTS TO MANIPULATE INFORMATION AND ELECTRONIC CHARGES ARE PROHIBITED IF FRAUDULENT. They did same thing to elderly people who use their services. XXXX is charged XXXX dollars and XXXX dollars monthly but they want extra {$500.00} USD for services, they already received or have been receiving. XXXX Live Bookkeeping [ ref : XXXX : ref ] XXXX To XXXX XX/XX/XXXX at XXXX PM www.intuit.com QBLive-Logo-clean Hello XXXX, I got your XXXX request where it states that you would like to be assigned back to your Bookkeeper. I apologize that we can not do this, we can only do this if you purchase the service that starts at {$500.00} within 60 days of when you last had the service. If you purchase this service it will activate the XXXX XXXX on your account and then we can transfer you back to your Bookkeeper and refund you the {$500.00} charge. If you wait pass the 60 days then you can not be assigned back to your Bookkeeper and will need to complete the Cleanup service and there will be no refund. Please sign up ASAP so the service can start again and you can put in a refund request as soon as you have that first appointment with a Bookkeeper who can escalate a refund request and get you assigned back to your Bookkeeper. XXXX no longer has the XXXX and XXXX services separated so to start the service again everyone customer has to purchase the {$500.00} service first. I apologize for the inconvenience. Thank you for choosing XXXX XXXX! XXXX XXXX XXXX Escalations Department
Product: Credit reporting or other personal consumer reports

Ridiculous explanations for closed complaints that ADDRESS ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

Ive reached out to National Credit Systems to have debt verified and removed from my credit report. I request information and they have provided me with the original contract between me and the original creditor. That contract does not show where I signed an agreement for NATIONAL CREDIT SYSTEMS TO COLLECT ON THIS ALLEGED DEBT. Also the itemized form showing what the debt is owed shows no manager signature from the ORIGINAL CREDITOR. Due to this information being unverifiable and false information, it needs to be REMOVED from my credit report per FCRA.

Per 15 USC 1692 & 15 USC 1692g, I am to obtain a VERIFIED debt validation with proof obtained from original creditor that NCSI has failed to provide how they verified and accurate information.

Because NCSI has failed to provide this information, it needs to be removed off my credit reports with all XXXX bureaus IMMEDIATELY. 
Ive also sent notarized documents from alleged debt from original creditor and debt collector is still reporting false information. 
You have XXXX  days to remove this collection.