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, Experian, or XXXX ]. 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 {$200.00} from 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

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as the inquires however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Checking or savings account

I am using XXXX by Payfare as a checking account with a debit card. Their app is currently no allowing anyone to log in. They have no way to contact support outside of their app. They are denying all transactions with my debit card with an Error XXXX, meaning the card issuer is unavailable. It is unacceptable that I am locked out of all my funds with no one to contact and no recourse.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I made a double payment of $ {$260.00}. for XX/XX/XXXX and XX/XX/XXXX. My paayment amount is {$130.00}. Upstart credited the XXXX payment and applied the remaining {$130.00} to principal. they had contacted me via email about this payment and I had responded, explaining what I had done and asking for the payment to be correctly applied to satisfy XXXX and XXXX. they refused to answer me stating I was using a different email. My email address had changed from communitybankna.com to cbna.com. It was just abbreviated. I explained this by email and they again said they couldn't respond. So I called and told them I had already paid XXXX and how it needed to be fixed. It was nearly XXXX  days past due when I called since I had been attempting to work through email. I told them this needed to be corrected before my account was XXXX  days past due. I have never been XXXX  days with this company or on any other installment loan. they responded when my account was XXXX  days past due and stated that any overpayment was going to be applied to principal. Payments to advance a due date could only be made in the month the payment was due. I checked the contract and it states that partial payments made will be credited to principal. I made a full additional payment. Upstart has refused to correct the problem and since they responded after my account was over XXXX  days, I will be getting a credit mark I don't feel I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

XXXX XXXX XXXX XXXX phone calls every day even weekends and they were always rude. 


Even added an account without my knowledge and for me pay on it monthly. I had been paying toward cards for years and not seeing the balance going down. 

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

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS XXXX, EQUIFAX AND XXXX ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME XXXX TO XXXX  AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.
Product: Debt collection

I've tried many times to settle debts with Rash Curtis and Associates but they will not settle for any amount and continue to report negatively to my credit monthly. I ask to settle the acts reporting on my credit in XX/XX/2019 but they will only settle all debts including outdated debts from over 7 years ago.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX   Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Experian/XXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXX euro to my Coinbase wallet. On XX/XX/XXXX I received a message that my deposit would be reversed, because " the name of the bank account does not match the name entered on the Coinbase account ''. Coinbase claimed the funds would be returned to the sending bank within 1-2 business days. 

By XX/XX/XXXX the money still had n't arrived at my bank account, so I filed a support ticket, asking when the XXXX euro would arrive. I only received a auto-reply from support. 

On XX/XX/XXXX the money still had n't arrived, so I called their support number and I talked to a support employee called XXXX. I shared with him multiple screenshots as proof of the situation. He told me he was unable to resolve the problem and that my ticket would be escalated to a specialist. They would follow-up with me, as soon as they had an update. Support ticket numbers are # XXXX and # XXXX On XX/XX/XXXX I responded to the ticket, asking for a status update, but still have n't heard back from them and the money still has not arrived.
Product: Mortgage

I am the court-appointed personal representative for my mother 's estate. Once I was appointed the personal representative in XX/XX/XXXX, I contacted Reverse Mortgage Solutions to request an extension in order to sell my mother 's property, which had a reverse mortgage on it. I was told by XXXX that because the loan is " old, '' they were unable to grant an extension without the house being put on the market immediately or having an offer already in place. XXXX informed me that if the loan was newer that I could just request an extension and it would be granted. I requested a copy of the appraisal that I was told was completed on XX/XX/2019. I never received a copy of the appraisal. This was requested verbally and through email at XXXX. I paid for my own appraisal of the property and decided to seek out investors for an all-cash, quick-close offer and kept RMS informed when I had an offer on the table and asked for another extension. My request wasn't even acknowledged. On XX/XX/2019 I requested a payoff amount through XX/XX/2019 and received it on XX/XX/2019, but I noticed that this company charged a {$720.00} fee on XX/XX/2019 for " Corp Adv- Prop  Preserve Other. '' I contacted the company on XX/XX/2019 and asked to speak to a SPOC  agent, as this was what I was told to do in the email with the payoff statement if I had any questions. I spoke to XXXX, who indicated that she could not tell me what the {$720.00} fee was for and that if I wanted to know that I would have to request that information in writing, but it could take up to 30 days for the company to respond. This company is incredibly unscrupulous and clearly lacks transparency.
Product: Checking or savings account

Reemployment assistance program XX/XX/year> claim id XXXX XXXX XXXX received my unemployment funds with a Way 2 go card.as well as the reemployment assistance program to look closer at the person who they are sending money to this person stole my money and belittled my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report under the Fair Credit Reporting Act ( FCRA ), referencing 15 USC 1681 EB. Despite a previous reinvestigation, the disputed items remain unresolved. 

I request another thorough review of the items listed below : 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 I urge compliance with FCRA regulations and prompt removal or correction of any inaccuracies found. Enclosed are documents supporting my claims. 

Please acknowledge receipt of this letter and inform me of the next steps. Your swift attention to this matter is appreciated.
Product: Credit reporting

XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
Product: Debt collection

I just received a letter from Debt Recovery Solutions , LLC DRS account # XXXX stating that I owe {$420.00} and the original creditor is XXXX. They are offering me a settlement of {$270.00}. i have spoken to this company a couple of times in the past and have advised I paid off my XXXX account back in XX/XX/XXXX. After I paid XXXX, I set up another account with them for a XXXX triple play package. In XX/XX/XXXX I hired a company called XXXX XXXX XXXX to assist me with removing items off my credit report that were either incorrect or past the statute of limitations. This was one of the items that was successfully removed. Today, XX/XX/XXXX, I applied for a mortgage and was informed that this debt is on my credit report as of XX/XX/XXXX. S they have again, put this back on my credit report after it was removed and after me telling them several times that I do n't have any past due debts with XXXX. I called and spoke with a gentleman name XXXX and advised him that I do n't owe this debt and that they need to update their records and to please stop harassing me with letters and phone calls. I have blocked their number to avoid getting the phone calls. This is not only stressful, but annoying because these people should not be able to put items back on your credit report after it 's been removed and after being told that the debt is no longer owed. Where 's the protection for the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXXXXXX XXXX XXXX ice nevee been four payments late I changed my due date
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a prepaid/secured c/card with Bank of America, deposited {$500.00} dollars. Had excellent payment history. In XXXX, I asked the bank to cancel/close my credit card account and return my deposit. My multiple calls, emails, formal requests were ignored, my account has never been closed. I complained to the OCC 's office and Attorney General Consumer Fraud division. The Bank of America took adverse action and retaliated against. Subsequently my account was impacted by bogus, fraudulent late charges, was escalated to their collection agency, which adversly affected my credit score. In XXXX and XXXX when I was out of Country due to emergencies, the Bank of America was even contacted from overseas, I incurred long distance/international calls charges. I can prove by my phone bill my countless long distance calls made to the creditor. The bank took advantage of my absence from country due to my medical emergency and never closed nor cancelled my card. As a result of that bureaucratic runaround, scam and consumer financial fraud, my account incurred bogus late charges, with derrogatory remarks and default status, resulting in harsh impact to my credit rating. My credit score was crashed because the Bank of America took adverse action, retaliated against me in response to my formal complaint filed with the federal agencies in charge. I was denied loans or other credit cards only because of this harsh impact on my credit file, since the creditor reported my account status as negative/charge off. I retained a lawyer only for legal communication with the creditor. Upon receipt of the legal letter, I received a call from the Bank of America Executive office and was promised an immediate deletion/removal of the negative reporting from all three ( 3 ) credit reporting bureaus. I was cheated, scammed and defrauded. The same false negative/derrogatory status reappears in my credit file. As a victim of financial fraud and predatory lending, I would contact all media channels, FBI, Federal Reserve Board if your office would fail to enforce the laws and regulations to protect my rights as a consumer and victim of financial fraud by the bank. See attached legal letter.
Product: Debt collection

I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.