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 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-off for {$700.00} from XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

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

I believe last year I had reach out to XXXX XXXX and you guys about this I had already dispute this 2 time I believe and I even had a letter respond from XXXX XXXX saying they seen the mistake that was made. I did not myself open this line of credit and they told me they would have taken care of it and to this day I still see it on my credit resport and I need it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.
Product: Mortgage

I would like to bring to your attention for follow up investigation HSBC Mortgage, Beneficial Mortgage and their affiliates : Regarding modifications they only offer the following : XXXX month trial modifications or XXXX year Trial Mod in which borrowers are reported late to the credit bureaus ' while making payments on time. In addition, any savings during the trial mod payments are added back into the mortgage the end. The negative credit reporting make it impossible to refinance leaving borrowers with the same high interest mortgage at the end of the Trial Mod payments. If you try to call HSBC or Beneficial all the most of the numbers are non -working and when you eventually get through to a live person, you are given a telephone number to call that is a non working number. This is in my opinion an on going intentional practice by HSBC and their affiliates in an attempt to continually keep borrowers from obtaining improved mortgage terms because the continued negative credit reporting lowers credit scores making it impossible to refinance to obtain a better mortgage. This has been going on for years
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a state employee, working for a college, i take my finances serious. I'd like for this information to be removed from my profile.
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. 

XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( A5 ) 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 7 years.

15 U.S.C 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it may be effected by mutual agreement of parties, or by one of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

XXXX XXXX was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Product: Debt collection

15 U.S code 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are In violation! Under, 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Wrote many letters to company to resolve/ dispute/ removal from credit report. This is a direct violation of HIPPA. They have sent itemized statements of my private procedures
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have fraudulent activity. Please remove all fraudulent accounts/activity as it it hurting my ability to obtain credit. Thank you!
Product: Checking or savings account

On XX/XX/2020 submitted via online application request for new checking and saving account. After submitting the application, I received notification of pending account application. On the morning of XX/XX/2020 contacted the new account representative and representative informed me that i have been pre-approved and would receive email with new account information and providing information on setting up online banking. Some XXXX hours after this call, I received notification of application decline. I am of belief and suspicion that the decline results from my enrollment in a promotional offer of {$600.00} and the bank is acting in an unscrupulous manner as to the application for new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOIUNTS ARE NOT MY ACCOUNTS
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX  XXXX XXXX and XXXX XXXX entered into a Equipment Finance Agreement with Financial Pacific Leasing a subsidiary of Umpqua Bank for what was understood as the purchase of an XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ' XXXX  XXXX  at XXXX XXXX in Arizona. During the time of purchase the interest on the " loan '' was never disclosed and we were rushed to sign the paperwork. It was only disclosed that we had a total of 60 payments at {$1800.00}. We were also led to believe we could do an early payoff on said lease. On XX/XX/XXXXXXXX  XXXX reached out to Financial Pacific Leasing via email to request the 10 Day Payoff amount. The response received from Financial Pacific Leasing was that we signed on for 60 payments of {$1800.00} and there is no adjustment made as there is no interest just a finance fee. We were informed on XX/XX/XXXX that the payoff amount was {$89000.00}. On XX/XX/XXXXXXXX  XXXX XXXX and one of our associates for XXXX XXXX XXXX XXXX, XXXX XXXX spoke on the phone with a XXXX XXXX regarding the account and requested a break down of all the fees on the lease. We were met with hesitation from the XXXX XXXX and told she would have to request that from a manager. An email chain was established with XXXX XXXX and we received an email with our requested current payoff amount which was reported to us as being {$86000.00}. On XX/XX/XXXXXXXX  we finally received a copy of the Amoritization Report which clearly shows the interest being charged on the lease at a rate of approximately 106 % if our calculations are correct. Had this rate been disclosed at the time of purchase we would have never agreed to this financing.
Product: Debt collection

A debt from 2018 was not sent to the correct address. I was only made aware of the debt when I saw it on my credit report which I immediately paid. Even though the debt collector had the address incorrect they would not work with me to delete the debt from my credit report even after I had paid in full. This would not even have been on my credit report had they sent the bill to the correct address. The person I spoke with condescended me and told me the debt was only XXXX dollars and it took me X amount of time to pay only XXXX dollars even after I explained that I did not get it in the mail. She was reluctant to forward me to a supervisor and tried to persuade me not to. Unfortunately the supervisor would not reason with me either even when I confirmed that the debt had not been sent to the correct address. Now this is another hurdle in todays world that i have to face in trying to become a home.
Product: Prepaid card

XX/XX/XXXX I paid XXXX to XXXX for a bicycle being shipped from XXXX through a add on XXXX but sold from XXXX XXXX sale. I have my receipt there is a contact email address from a XXXX. around XXXX I emailed this address asking for a tracking number an sent me XXXX on XX/XX/XXXX I still havent recieved my package so again I emailed the response I recieved was the item was delivered an would suggest I chk with XXXX as well as my neighbor. I went XXXX step further I contacted XXXX, I was told that the order # was not an XXXX # an suggested that I contact my card company. After going to the post office an being told that is not a usps tracking # an to contact the card company, I then emailed XXXX but was denied communication. At this point I disputed the charge on cashapp an was denied because of a fake tracking itinerary that they based there decisions on saying they fulfilled there obligations. I then broke it down along with sent copies of emails an reciepts an pointed out the fake info. On the receiving company XXXX there page states that if the bank statement does read XXXX then it's a fake acct. I then asked abt tracking, all it says is its been delivered to united states no port of entry no customs no shipping company change nothing about where it was delivered. Because it never has been is why. I submitted the dispute XXXX more times an all XXXX  times regardless of my proof cashapp denies. Again I explained to cashapp that my address isn't united states. All I want is my XXXX back. The seller has offered XXXX  % refund but I refuse to except it. I HAVE NOT RECEIVED MY PACKAGE SO IM NOT SETTLING. I have everything documented. I have uploaded XXXX different tracking itinerary but XXXX won't let It be uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX of Notice of Data Breach informing me my personal information has been compromised. The following accounts and hard inquiries currently listed and showing on my Experian and XXXX credit report is not my accounts or hard inquiries and is the result of the data breach and identity theft : XXXX XXXX XXXXXXXX, {$330.00}, XX/XX/XXXX, XXXX XXXX : XXXX XXXX {$320.00} XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX 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
Product: Student loan

I applied for a recertification of my IBR plan XX/XX/2016, I applied via the Studentloans.gov website, and my spouse also completed their portion of my IBR application. On the same website I applied for the direct loan consolidation via Navient as a servicer. Navient received my direct loan consolidation application but denies receiving my IBR recertification, they were submitted together and have the same application reference. Studentloans.gov has confirmed delivery of my application referenced in my confirmation emails. Navient, will not allow me to dispute their denial of application receipt, and studentloans.gov says they do n't have any further information to help my case. If I call Studentloans.gov they tell me to contact navient, and vise versa, neither will place me on administrative forbearance while this administrative issue is figured out. I submitted my paperwork and application as required by law, I qualify for IBR as does my spouse ( who has been approved - applied around the same time ( recert ) ). I have emails, and confirmation that my application was submitted. 

Application reference for DCL app and IBR app : XXXX, if i open the document with the IBR application I get reference number XXXX ... What appears to have happened is an error, at least on the part of Studentloans.gov. It looks like their application submission system did not send out XXXX separate applications. I have both forms completed ( as submitted - I downloaded today from their website ), they have XXXX different reference numbers. Navient claims they only got XXXX of the XXXX applications. Either way, they are saying they can not help me until I agree to accept the terms of forbearance ( fees, interest, and deduction of time allowed to defer ). I believe these affected loans should be on administrative forbearance until this matter is investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.
Product: Credit card or prepaid card

I went into Dicks Sporting goods to make a purchase. The lady at counter convinced me to take out a credit card with the promise of a 25 % refund either mailed to me or taken off my first bill. I did not want a card, but the deal was too good to pass up. 

After taking out the card I never received the 25 % refund, so I had to jump through tons of hoops for absolutely no benefit. It turns out the lady at Dick 's Sporting goods entered the information into the system incorrectly. 

I spent over XXXX hours with Synchrony bank and the people at Rewards of XXXX XXXX. None of the technicians could help me and it was over a half an hour wait for a XXXX. A XXXX said she would fix the problem, but it appears the problem was never fixed. 

I am going to pay the full price, no discount included, and close out the card. 

I made several calls on XXXX around XXXX to XXXX XXXX ). I also called several times before that.
Product: Credit card or prepaid card

I had an account with Apple card Goldman Sachs and I closed my account 6 months. I paid my remaining balance on XX/XX/XXXX but every months I received email from them asking to pay more XXXX XXXX Since i closed my account 6 months ago along with my card, how can they still charge me for money? I dont use the card for so long. 

I called the customer service on XX/XX/XXXX and he said ignore the email or reply back to it, I cant help I kept all my communication and email. This is a very restless behavior and I considered it as a fraud. 

Please investigate it properly
Product: Debt collection

I received several calls from Bridgecrest ( formerly XXXX XXXX ) requesting payment. Repeated calls 5-7 times a day from various phone numbers. When I have answered the call the company reps never identify themselves or state the debt collection statement that informs me they are collecting a debt. This leads me to doubt their identity and/or believe they are violating my safety and rights as a consumer
Product: Debt collection

On Thursday, XX/XX/2019, I received a text message from my spouse ( separated at the moment ) that he keeps getting calls from XXXX XXXX ( who was the original loan holder prior to XXXX ). He said they been calling for a while now. He picked up a on this day and spoke to a gentleman. The gentleman explained that he is a debt collector looking to collect a debt from me. He told my spouse that I owe XXXX but they are willing to settle for {$13000.00}. What upsets me is that I am currently in the divorce process and contacting my spouse on a debt that has absolutely nothing to do with him. I do not think it is right and that a violation for this company to give someone information to a debt that is # 1 not theirs, and # 2 a third party that never was authorized or reference on my account.
Product: Student loan

Great Lakes has just initiated a new policy. Based on the way monthly payments are not structured, borrowers pay higher interest rate. Under the new policy, all auto-pay payments are processed on the XXXX - the last day of the billing cycle. If a borrower wants to then make an additional payment, it will be applied to next month 's minimum loan amount ( instead of the principle of the highest interest loan ). 

For example, I made my monthly auto-pay on the XXXX of XXXX. Less than 24 hours later, I made an additional {$900.00} payment so the entire payment would be applied to the principal of my loan. Great Lakes informed me that the additional payment is now being applied to the *next* billing cycle ( XXXX ). Instead of lowering the principal of my loan, it 's being applied as a minimum monthly payment for XXXX. 

If I were to make the {$900.00} payment earlier in the month, ( on the XXXX, for example ) before the auto-pay processed, I would be paying interest from the date of that payment until auto-pay. So my {$900.00} payment on the first would be applied to the minimum monthly payment and then I would pay interest for two additional weeks until my autopay processed on XXXX XXXX. Instead of paying on the first, if I make it on the XXXX, the payment goes to the next billing cycle and is applied as my minimum monthly payment. Inevitably, this means that borrowers pay additional interest on their loans. 

( Prior to this, a borrower could pay via autopay and then, within the same month, make a payment to lower their principal. I had done this for months until Great Lakes instituted this new policy )
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me. 

XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws.
I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. Midland Credit has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX and Midland refuses to remove this debt knowing it is not valid.Also, Midland does not have the consent of XXXX XXXX XXXX to report this debt.