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 notify the Consumer Financial Protection Bureau ( CFPB ) regarding the deletion of a charge-off entry on my XXXX credit report for the account associated with XXXX XXXX XXXX XXXX which was disputed by me. After the dispute investigation was completed on XX/XX/year>, XXXX has deleted this account entirely from my report. 
This deletion, however, presents a critical issue : since XXXX has determined that the account is unverifiable and has deleted it from my XXXX report, I am requesting that the other Credit Reporting Agencies ( CRAs ) namely, XXXX, XXXX, and TransUnion also delete the unverifiable charge-off from their records. 
Relevant Consumer Protection Laws Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, when a consumer disputes information on their credit report, the CRAs are required to investigate the claim. If the disputed information can not be verified, it must be removed from the credit report. This law grants consumers the right to ensure that their credit report is accurate and complete. Additionally, Section 1681e ( b ) of the FCRA mandates that CRAs maintain reasonable procedures to ensure the accuracy of the information they report. 
Since XXXX has completed the investigation and determined that the account can not be verified, I request that you apply the same standards and remove the account from your records. I urge the CRAs to complete this process within 30 days from the date of this letter. 
Legal Consequences of Non-Compliance If the account is not removed from my credit report within 30 days of this notice, I will consider pursuing my legal rights under the Fair Credit Reporting Act ( FCRA ), which gives consumers the right to sue for damages in cases of willful or negligent non-compliance. Under Section 1681n and 1681o of the FCRA, consumers may seek statutory and actual damages as well as attorney 's fees for violations of the law.

Additionally, I may choose to file a lawsuit to enforce my rights, as I have been harmed by the reporting of inaccurate or unverifiable information. It is crucial for my credit standing that this matter is addressed promptly and correctly, in accordance with the protections afforded to me under federal law. 
Request for Immediate Action I respectfully request the following actions : Removal of the unverifiable XXXX XXXX XXXX XXXX charge-off from my credit report within 30 days of receiving this letter, in accordance with the FCRA. 
Confirmation from the CRAs that this information has been removed, with a notice that the entry was deleted due to non-verification. 
If this account is not removed, an explanation of the continued presence of this unverifiable account, which would be in direct violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please inform me in writing once the necessary corrections have been made to my credit report. I look forward to resolving this matter quickly and amicably. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent inquiries on my credit report. Those inquiries consisted of the following : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One denies my request for gold spark business card because it inaccurately report wrong score status t o get card. CAPITAL ONE CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. CAPITAL ONE WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by capital one which states I have fair credit but I was still denied
Product: Mortgage

I have been contacted 6 times by United Wholesale Mortgage company. I have blocked numbers, I have answered and said take me off your list, I am not interested. I have texted opt-out to their text messages, after I never opted-in to receiving their solicitation text messages. I was called at after XXXX one night by United Wholesale Mortgage XXXX I was called all weekend. I believe they are spoofing numbers so the number they are calling from is the same area code as I live.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I have no knowledge about them, and the company did them without my consent.
Product: Vehicle loan or lease

We traded in our vehicle at a dealership when purchasing a new vehicle. Our current monthly payment on the traded-in vehicle was not yet due. After the purchase, the dealership did not send in payment for our trade in for over 45 days, despite numerous phone calls and in-person follow-up visits to the dealership to rectify the problem. As a result, both my and my husbands credit ratings plummeted over 100 points each! Shady practices by car dealerships!!!
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

these account /collections are not mine remove os mi credit report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

Account name : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXX, XXXX : XXXX ; # XXXX, XXXX XXXX : XXXX ; # XXXX, XXXX 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  : has violated my rights,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: Checking or savings account

On the XXXX of XX/XX/year>, I made a check deposit at a Chase bank atm for an amount of {$23000.00}. The check was drafted from my business account which i intend to close and it cleared in my chase bank account. I forgot to write a date on the check when making the deposit which was a sincere human error on my part, chase decided to lock my account due to this check issue and i reached out to them to rectify the issue. We did a 3way call with Chase bank on the line as well as me the account owner and XXXXXXXX XXXX which the check was deducted from and they confirmed to chase that i own the account and the check was authorized. Chase as since refused to unlock my account and release my money to me saying XXXX has to request for a return which XXXX claims since the check has cleared in chase and chase took the money out, they should just return the payment back because if XXXX is to request a return it will take at least 2 months to get back which i don't have that much time considering my financial situation. I will attach a copy of the check in question alongside a screenshot of my XXXX account showing the check cleared and was deducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft and I filed a police report and sent it over to Experian twice in the last 60 day. Experian has yet to remove the information and I also heard nothing from the credit agency or data furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.
Product: Checking or savings account

On XX/XX/XXXX  I went into XXXX XXXX to purchase a new boat for approx {$32000.00}. With over {$37000.00} in my account I attempted to use my debit card which was declined. I went online to increase the purchase limit which only let me do so to {$25000.00}. Upon calling USAA around noon I was on hold for 40 minutes before the agent informed me that USAA put on a {$25000.00} fraud limit. I asked the agent to increase it for my purchase. She said she could not. I asked for her supervisor who also said she could not do anything but that I could trick the system by using a pin purchase and one without. The store could only do non pin purchases. She said I should use my credit card which the store charges 3 % or {$200.00} on the remaining balance of around {$7000.00}. I asked if she would have USAA pay the fee... she laughed. She said I could go to a bank or ATM to get the rest! I went to XXXX who does only non pin transactions and the ATM limit is {$1000.00}. I should not have to run around to 7 different ATM 's to get my money! Nor should I even have to go to another bank! USAA is criminal in pretending that they are helpless in allowing me to access my money... .theft. What right does USAA have in holding my money hostage upon any whim they come up with? Needless to say, I will be closing all my accounts with USAA and suggesting the same to all my friends. I will be XXXX  if I keep my money in a bank ran by fascist authoritarians.
Product: Checking or savings account

I had an a transaction that came through in error by XXXX  XXXX XXXX. My card was locked at the time and Bank of America allowed access to my funds and charged me an overdraft fee for funds not being available. I filed a claim to recover the funds the merchant sent a email stating the funds should be credited back on XX/XX/2020. This process was suppose to take 3-5 business days. At this time I still do not have the funds. I contacted XXXX XXXX XXXX back and they said its been processed on their end. Bank of America claims to still not have them. They have refused to give any credit even though I am a 17 year customer. I am requesting that an investigation be conducted as to why they were allowed to unlock my card and allow this transaction to be processed and access a fee. The XXXX XXXX XXXX account is in my wifes name XXXX XXXX.
Product: Debt collection

I never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
Product: Credit reporting, credit repair services, or other personal consumer reports

11 inquiries unauthorized XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have never authorized theses inquiries, I have called Experian, XXXX and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX  and XXXX XXXX XXXX Please correct and update ASAP.
Product: Debt collection

I.C. Systems Inc.

Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Account number : XXXX UNVERIFIED ACCOUNT I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Debt collection

I am an employee of XXXX XXXX XXXX. In XX/XX/XXXXshe performed XXXX on me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, performed the XXXX. As a professional courtesy, I was not billed personally for the procedure which was a very nice gesture on their part. A couple of years later I got a bill after the practice was sold. I immediately sent letters of validation to their officers Dr. XXXX XXXX and XXXX XXXX. These letters were not answered. 
My credit report has now been hit by a collection firm called MBA Law, The Law offices of Mitchell D. Bluhm XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Information is was leaked in data breach and identity theft was commited
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal from Collections Due to Equifax Data Breach Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of the Equifax data breach on my financial standing. My personal information was compromised during this breach, which has adversely affected my credit and led to the involvement of several collection agencies. 

Specifically, I am requesting immediate removal from the following collections : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to the unauthorized access to my personal information, I believe that these collections are a direct result of the breach and do not accurately reflect my financial behavior. I have taken steps to secure my identity and have reported the breach to the appropriate authorities. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

The Hamilton Law Association, P.A. in Florida has on several occasions called me attempting to collect a debt I do not owe. They are looking for a woman I do not know ( I am a XXXX ). I 've told them they have a wrong number and asked them twice on the phone to stop calling me. I also just sent them an online request to cease calling me. 

Their latest call was today XXXX XXXX/XXXX/XXXX XXXX, but I recognized the number ( XXXX ) and ignored it.
Product: Credit reporting or other personal consumer reports

My personal data was compromised in a data breach and I see false and inaccurate information on my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I get a legal circuit court on my credit report without any detail of the company name or a date of this debt.