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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX XX/XX/2024 To : Whom it May Concern Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { Charge off amount goes here } from { Creditor Goes here/ or company account was sold too }, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2024. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX for XXXX I have a credit card with Capital One. On that credit card, I used balance transfer to move my balance from XXXX ( XXXX ) with the intention of paying off XXXX so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by Capital One. Capital one sent a physical check to the payee, XXXX. My Capital One account gained the {$340.00} balance. 

XXXX XXXX XXXX XXXX  did not receive payment. My payments were paused for investigation. 

I called Capital One to see who the check was sent and cashed. The check sent from Capital one had one error in the po box number, however, was still written out to XXXX XXXX XXXX The back of the check shows it was cashed by a third party, XXXXXXXX XXXX XXXX XXXX 

I provided the copy of the check to XXXX, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe Capital One, as this balance was added to my credit card. 

I have asked Capital One to report this as fraud. The check they sent was not cashed by the intended payee. 

Both Capital One and XXXX XXXX XXXX XXXX have stated it is up to the bank that cashed it, XXXX XXXX XXXX to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XXXX I went into a local Branch who stated I would have to deal with Capital One. 

XXXX XXXX has my money and has caused frustration as well as additional fees tacked onto me. I need for my money to be returned to me. I can provide copies of documents for review.
Product: Consumer Loan

In XX/XX/XXXX and XX/XX/XXXX, in a desperate situation, I took out a loans from Regency Finance, formerly known as XXXX XXXX, in XXXX, OH. Phone number XXXX. The total amounts of the XXXX loans are just under {$2000.00}, which I have paid MUCH more back on since then. I acknowledge that I signed the paperwork knowing that it was a high and unfair interest rate. I have remained caught up on my payments ever since. Occasionally, especially in the past year, I have fallen a month behind, but always make TWO month 's payments simultaneously to get caught back up. In the past few months, this company has grown increasingly hostile towards me. This ranges from calling me at my work, on my phone at all hours of the day, and making snide comments to me when I go to their office. Before I observed this attitude from them, I always communicated if I fell behind to tell them I would get caught up. I feel like their business practices of using people 's desperation as a commodity is a microcosm of what 's wrong with America in the 21st century. I do n't, and have never had any intention of defaulting on my payments with them, but I am sick of dealing with them directly. Today, they called my place of work, The XXXX XXXX XXXX in XXXX, OH. I have never even told them that I work here. They refused to tell my secretary why they were calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with Experian and the collection agencies listed below.

I've sent letters to both Experian and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that Experian say they are accurate?

I specifically asked Experian and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has Experian.

Experian hasn't provided me with a response to when and how did they verify these accounts. I feel as if Experian, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for Experian to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think Experian makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent Experian on XX/XX/XXXX that they received on XX/XX/XXXXclearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have Experian remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against Experian, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Received Dunnage letter in the mail at my address from Financial Corporation of America XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX dated XX/XX/XXXX attempting to collect a debt supposedly owed by my deceased mother, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a supposed date of service of XX/XX/XXXX in the amount of {$750.00}. My mother was under XXXX XXXX with XXXX of XXXX from XX/XX/XXXX until her passing XX/XX/XXXX. I am not aware of her ever receiving treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor am I familiar with this outfit having anything to do with XXXX of XXXX. I have Spoken with XXXX of XXXX and they have assured me that their is no outstanding debt with them in my deceased mothers name. I have been unable to locate contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have received several phone calls from Financial Corporation of America both before receiving their dunnage letter and after receiving said letter, each time I have informed the caller that they are trying to collect a debt from a deceased individual to stop calling my phone and to remove my number. I do not owe this debt and am not responsible for my deceased mothers debts, at the time of her passing she owned no real property, and the sum total of her assets were the funds on deposit with bank which amounted to a fraction of this alleged debt. All funds in her account were utilized in the settlement of her final arrangements and the funds on deposit were completely exhausted by this. I do not know who XXXX XXXX XXXX XXXX XXXX XXXX XXXX is or what tenets they live their lives by but they are certainly not XXXX values or tenets to XXXX the family of the deceased in this manner.
Product: Payday loan, title loan, personal loan, or advance loan

My initial loan was for {$750.00}. I have made a payment of {$210.00} every other week since XX/XX/year>. I have paid them over {$2000.00}. My interest rate is 699 %. They continue to take money out of my bank account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate or fraudulent : XXXX. XXXX XXXX
Product: Debt collection

The first week of  XXXX   XXXX  I received an alert from all three credit bureaus th at Aargon Debt  Collection placed a delinquent debt on my credit report. I called  Aaron Collection a gency after finding this debt on my credit report. I spoke to  XXXX   XXXX , who treated me very poorly and told me to just pay the debt. I was unaware i had a final balance with  XXXX  Ohio from over four years ago.      XXXX  said his office mailed a letter in  XXXX  but the address was NOT mine, and I never received any validation notice. After speaking to  XXXX  who was so rude and was degrading me I told him to please send me the evidence of the debt. I gave him my current address and phone number to send me the validation letter.     Today  XXXX   XXXX  fifteen days later I still have not received any validation letter or evidence I owe the debt. In fact, with  XXXX  ' permission I recorded the phone call today with him and he told me who cares about the FDCPA and the law I still owe the debt and I need to pay it for them to remove it from my  XXXX  credit files. I told him without receiving a validation letter, ( which should have been sent to me within 5 days ) and the fact that they threw it on my credit report without ever contacting me about the debt to give me time to respond or dispute the debt my rights were violated. ( Where I have 30 days to dispute the debt ) I had no opportunity to make good of a debt if I owe it before its placed on my credit report and harmin g my credit score.       XXXX   XXXX  said he is th e Executive Director and t old me he didnt care what the laws were to protect consumers and that I am just trying to not pay a debt.     I am not paying on something or giving a company money without written documentation or evidence that I even Owe the debt. The alleged debt is from ove r four years  ago and the collection agency is also reporting it as if I just occured the debt in  XXXX   XXXX  not  XXXX   XXXX . That is ... If this debt is even valid a s I N EVER received any written documentation from them. It was me that contacted them after they already put it on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOCUMENT TO EXPLAIN IN DETAIL THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit card

The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing.
Product: Credit reporting

There is an account being reported on my Equifax credit report as an OPEN account in collections. The account has a {$0.00} balance and was discharged in Bankruptcy yet is still being reported as OPEN. This should be a closed account. The following is showing on my EQUIFAX Credit Report : Agency : XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XX/XX/2011Status : Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Above information is being reported by Equifax.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification thru my email that my new account had been approved by Bank of America, which I had not applied for. As of XX/XX/XXXX XXXX, I have contacted the bank for the 4th time. the account has been active to that day. I was told each time the account would be/was closed. I was also told the issue would be investigated and correspondence would be sent to me regarding the situation. That has not happened and I received another Bank statement on XX/XX/XXXX. I called customer service this day and entered the required info and checked the balance which was approved, the account is still open. I then reported the fraud to the bank for the 4th time. As of XXXX, I reported fraud alerts to three credit bureaus. I have not had any other indications of suspicious activity otherwise. The actions of Bank of America are questionable due to the fact that no other activities have occurred and that I was a customer 13 years ago. This is unacceptable behavior and I am concerned about my information with Bank of America. I request confirmation of this complaint and subsequent findings. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently accessed my credit report and saw unauthorized inquiries. I have reached out to this company and have had no luck removing the inquiry. Please remove immediately! 

XXXX XXXX - XX/XX/2021 XXXX
Product: Mortgage

Got approved for a 2-month forbearance after hurricane Harvey in XX/XX/XXXX. 
Loan servicer tried to add 10 months to the back of the loans, instead of just the two. They lower my payment by almost one dollar. This was after a 3-month successful trial period, in XX/XX/XXXX. It took them 5 months to resend me the loan modification documents. 
Collection calls begin in XX/XX/XXXX. Signed revised modification agreement in XXXX XXXX Letters start to arrive in the mail threatening foreclosure in XX/XX/XXXX. 
After being refuted on their claims, because not a single payment was missed the entire time, except for the forbearance ones, company backs off and stops collection threats. in XX/XX/XXXX, servicer sends another loan agreement for me to sign, and just like the one in XXXX, it adds 10 months to loan. This time, payments are lower, but the numbers are still way off. The financials are very murky and not solved as of XX/XX/XXXX. 
I have no trust in this companys ability to handle my loan accurately and with integrity. 
The name of the servicer is XXXX XXXX.