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

Subject : Request for Removal of Unverified Accounts Dear Credit Reporting Department, I am writing to formally request the removal of these accounts from my credit report as reported by Equifax, XXXX and XXXX. This request is based on the recent deletion of accounts by XXXX, one of the four major reporting agencies. I recently disputed these accounts listed on my XXXX report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Assoc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/year>. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts 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 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers 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 these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 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 Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX
Product: Checking or savings account

This company closed my bank account for no reason, I didnt violate any bank policies or agreements and they are holding my money and are not releasing it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern I have reached out XXXX Credit Bureau Account # XXXX Amount XXXX many times to have this account removed its Fraud i never open this account it also go against my rights. 


In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was closed in 2018. XXXX XXXX keeps reporting this to the credit file. This is incorrect information at this point.
Product: Credit card

I have been with USAA for more than 10 years and had a XXXX with them in good standing for just as long. On XXXX XXXX 2016, a charge was fraudulently made on the XXXX and shortly after that, USAA stopped using XXXX and changed their card to XXXX. This balance from the XXXX was transferred onto the XXXX which replaced the XXXX, and I did n't find out until a couple months later that there was a balance on my new card ( which had never been activated by the way ). After making several 2 hour long phone calls to USAA regarding this, a security credit was issued to the old XXXX but was never transferred over to the XXXX. Therefore, it shows a balance on the XXXX for which USAA is holding me responsible despite several phone calls over the past 4 months to USAA to try and rectify this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information that appears in my credit report. Specifically, I am disputing a charge entry for the following account XXXXXXXX XXXX XXXX XXXX Account Number XXXX XX/XX/2018 XXXX
Product: Debt collection

I asked the debt collector to provide proof from the original creditor that the debt collector owns the debt and has the legal authority to collect this debt or to remove the collection account. I have not receive any written correspondence and the representative are rude and aggressive and not willing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXXXXXX XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act XXXX. 


XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXXXXXX XXXX Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX XXXX and Experian inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act XXXX. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX XXXX XXXX XXXX is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
Product: Consumer Loan

I need to find out what to do about getting a company to issue a Release of Lien from XXXX of 2012. I contacted them on several occasions and they told me several times that the Title had been mailed I must have lost it. So I recently sent off to the Texas Department of Motor vehicles for a Lost Title and was told that the finance company Santander still has a lien on the vehicle. My online account for the vehicle has been inactivated so I ca n't even pull up the proof that it is paid ... PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report TransUnion, XXXX, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding XXXX XXXX mismanagement of funds and lack of resolution regarding a deposited cashiers check, resulting in severe inconvenience and potential financial harm to my company, XXXXXXXX XXXX XXXX XXXX. 

Details of the Issue : - On XX/XX/year>, XXXXXXXX XXXX  XXXX XXXX deposited a cashiers check ( Check XXXX ) for the amount of {$48000.00} into our account with Citibank ( Account Number : XXXX ). 
- The check was issued by XXXX XXXX  and was provided to us following the closure of our XXXX XXXX  account. 

XXXX of Events : XXXX. Despite the check being deposited on XX/XX/XXXX, it did not clear, and we noticed the funds were not made available in our account. 
XXXX. After weeks of waiting and repeated calls to XXXX XXXX XXXX ( XXXX, Option XXXX ), we were informed that the check was deemed fraudulent because Citibank could not confirm it with XXXX XXXX. 
XXXX. To resolve this, we provided Citibank with the contact details of an XXXX XXXX  representative who could verify the authenticity of the check. However, Citibank refused to contact this individual, stating that it was not the number listed in their internal system. 
XXXX. On XX/XX/year>, we visited XXXX XXXX branch in XXXX XXXX. The branch XXXX, XXXX XXXX XXXX  XXXX, confirmed the legitimacy of the check via email communication with XXXX XXXX  ( from XXXX to XXXX ). 
XXXX. Despite this confirmation, XXXX XXXX XXXX continued to insist that the check could not be verified. 

XXXX XXXX : - XXXX XXXX  confirmed that the check has already been cashed by Citibank, meaning that Citibank is in possession of the funds. 
- Citibank has neither released the funds to our account nor returned the check, leaving us in limbo without access to our money since XXXX. 

Attempts to Resolve the Issue : We have made numerous attempts to resolve this issue by : - Contacting XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXX XXXX  XXXX to confirm the checks validity. 
- Seeking help from XXXX XXXX XXXX XXXX branch XXXX. 

Despite all these efforts, Citibank has failed to provide a resolution. 

Impact on My Business : The prolonged withholding of {$48000.00} has caused significant operational and financial challenges for XXXX XXXX  XXXX XXXX. We are unable to access our funds, and no clear explanation or timeline for resolution has been provided by Citibank. 

Requested Resolution : XXXX. Release the {$48000.00} currently held by Citibank into our account. 
XXXX. Provide a formal explanation as to why the funds were withheld for such an extended period without proper communication or resolution. 
XXXX. Implement measures to prevent such issues from recurring in the future. 

Supporting Documents : - Image of the cashiers check. 
- Account statement showing the deposited funds. 
- Correspondence between Citibank and XXXX XXXX  confirming the legitimacy of the check. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that Citibank resolves this matter promptly.
Product: Debt collection

My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit reporting

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from XXXX, Equifax or XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I have already disputed these fraudulent inquiries I have made a fraud claim already with FTC due to me claiming this is identity theft this account must be deleted and remove it has been over 90 days by law its supposed be with in 4 days of receipt of claim date Please remove inquiries listed below Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. XXXX XXXX Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

If you have collection accounts from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts should not be reporting as " OPEN '' This is a clear FTC violation and must be disputed Use code 15 USC CODE 1681S-2 and state the inaccurate reporting - 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED CONSUMER XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

On XX/XX/2019 I was contacted via phone from # XXXX stating they are an attorneys office and I owe XXXX XXXX. I advised her that I already told several of their reps that the debt was settled with XXXX  and that there is no balance remaining as I received a settled in full letter and a XXXX. She got really angry and told me that I was going to be sued and that she did not have to talk to me she would just proceed with suing me and hung up on me. 
I have dealt with this for many months and just want the calls to stop as the debt has been cleared and I should not be harassed about issues that have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.
Product: Credit card or prepaid card

what happen was some unknown person or person [ s ] stole over XXXX of my money from my bank of America account.the identity thief seems to have originated from a company call XXXX which I previously brought a item or two in the past. I did not notice these amounts missing since I don't regularly check my account, because I never had this type of thing happen before, since bank of America would text if they suspect something was not quite right about purchases or debit amount, but not in this case. I check my account the XX/XX/XXXX and notice my money was gone. I immediately call bank of America and told them of this breach and I also contacted XXXX about this thief. Bank of America assured me they would investigate this matter and they would give me a temporary credit until investigation was complete. Than shockingly they reverse my temporary credit as they were not sure of the fraud .I been a loyal customer of bank of America for many years and felt like I been victimize twice as if I was some how negligent in the thief of my money. I wish this did not happen since my money is important to my family and bills. I am requesting all moneys be return to my account.
Product: Checking or savings account

my checking/ savings account with Wells Fargo from XXXXXXXX XXXX XXXXXXXX was always overcharged for deposits and transactions even though i had money in account. I had my check electronically deposited from the XXXX XXXX XXXX XXXX XXXX  and was on the road a lot working in XXXX and XXXX XXXX as well as XXXX XXXX. My account would be frozen till it cleared which caused hardship and eventually they closed my account because of fees accumulated. In the long run it ruined my credit and closed the account.