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

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the removal of a XXXX XXXX XXXX account with a {$620.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, XXXX XXXX and XXXX state that if disputed information can not be verified within 30 days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated 30-day timeframe. 

Failure to comply with this request may result in legal action. XXXX XXXX and XXXX grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within 30 days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

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

We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time.  They sporadically send monthly statements with the payment coupon.  I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly.  They seem to miss every 3rd month.  It makes me feel that they WANT us to default on this loan.
Product: Bank account or service

There was an fraudulent account opened in my name with Synchrony Bank via XXXX. There was no balance and I have already talked to the bank representatives about the matter and they seemed to have corrected the issue but just wanted to keep you all abreast of the situation. If there is anything I can do to erase this bad mark on my record please let me know. I will submit a 7-year credit monitoring service with one of the credit reporting agencies and also I have reported it to my local police department.
Product: Checking or savings account

CHECK HOLD BY WELLS FARGO FOR A DEPOSITED CHECK FROM XXXX XXXX CHECK HOLD VIOLATES WELLS FARGO CHECK HOLD POLICIES CHECK DEPOSITED XXXX XX/XX/2019 REASON GIVEN TO ME FOR CHECK HOLD : WE HAD TO BE SURE WE GOT THE FUNDS FROM XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for many FCRA violations. XXXX has since removed this account, Experian and XXXX need to follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023, the companies involved responded saying that they will reinvestigate but after it those fraudulent items are still reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit card or prepaid card

I purchased handbags on the net and upon receipt of items it turned it to be that all items received are counterfeit items Tried to call merchant but no answer, the website I purchased from disappeared ( XXXX XXXX ) and I can not get to the merchant and when I texted the number of the invoice I received a message stating this not a business phone no. ( copy of text attached ) I submitted a claim to Capitalone consumer protection dept. stating the problem and my claim was denied three times in the past two months and bank are not cooperating to protect me as their client. 

The bank asked me for the impossible which a letter from a third party stating that items are fake and XXXX XXXX store at the XXXX XXXX XXXX told me that they will not authenticate or issue such letter. 

The only way to find a company that does authentication and pay a few to authenticate which capital one card investigation dept. refused to cover the cost and asking me to cover the cost of authenticating the bags
Product: Credit card or prepaid card

On XX/XX/20, a purchase protection form was submitted to Card Benefit Services along with supporting documentation for the claim. Since XX/XX/20, I have reached out to the benefit administrator multiple times, both through email and phone call. I was told that the file had been updated many weeks ago, yet the claim is still in pending status and absolutely no follow up has been completed from the benefit administrator 's side. All documentation that was requested, both at the time of submission ( and initial follow up ) has been completed, but at this point, after multiple calls and no response, I have been forced to file a complaint through CFPB. As a loyal Chase customer of many years, I am extremely disappointing in how this situation has turned out. 

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

In response to my previous complaints, the company added comments on my Equifax report to include " Repossession, Paid by collateral '', effectively making this matter worse. In my previous complaint, I uploaded a bank statement to prove that I made a {$5000.00} to settle the account. This company is proving themselves to be malicious or incompetent, I'm not sure which. 

Im uploading screenshots of how this account is being reported to all three Credit agencies. To be clear, its the " Reposession '' account status that needs to be rectified. Additional ( and false ) comments by the creditor will not fix the status of the account, and my fico score thereof. Also, it is being reported this XXXX and XXXX of 2022 ( with XXXX ) as a repossession when this account was in fact, settled in full more than a year and half ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, Equifax, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX Vehicle was returned within XXXX days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX : XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX  checked my personal credit without my given consent On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX checked my personal credit without my given consent On XX/XX/XXXX, XXXX  XXXX XXXX checked my personal credit without my given consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$3900.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Unauthorized Inquiries : 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 XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

Great Lakes has wrecked my credit score by improperly reporting my payment status as " deferred '' in violation of the CARES Act to the credit bureaus when I have continued to make payments on time, every time and advised that I did not need to enter forbearance as I was paid ahead through XXXX of 2020. They attribute this to a " coding error '' but have not rectified this with the credit bureaus. THEY NEED TO HAVE ACCOUNTABILITY and the Department of Education has no system in place to penalize servicers for errors of this magnitude.
Product: Credit reporting or other personal consumer reports

I mailed the XXXXdispute letter to XXXX, Transunion, XXXX stating the information being reported on my credit report is incorrect and it needs to be removed immediately! the documents were sent in the month of XXXX, and which its pass the 30 calender days for a rebuttal of the affidavit to be contest which has not happened
Product: Debt collection

I have no recollection of Said Debt with Fabco in the amount of {$630.00} and would like to have this Debt removed immediately from my credit file
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 XXXXXX/XX/XXXX
Product: Credit card

I was on the phone with Citibank XXXX for over XXXX hours, have a XXXX  XXXX credit line and the card was getting declined, on both mine ( XXXX times and wives card ). It is all documented where I was on the phone with the fraud department, and she was on hold for all of these, didn't know why it was getting declined, the first ( XXXX ) tickets going LA to XXXX was approved the next kept getting declined and fraud for over an hour get telling me they reset it and and it ws declined, I get 3 % travel on this card and, I had to use a XXXX  XXXX card as during this period the plane ticket was going up, I lost over {$90.00} in the rewards and also the ticket price, I would say the total lost was about {$200.00} USD. I even asked for a supervisor and she kept me on hold, after so long I gave up as Citibank said I should try the card the next day, I didn't want to take a chance of loosing more, and that is horrible service, I booked the return flight, it sent me a code and I was done with XXXX  XXXX. Citibank could not resolve this
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

After viewing my credit report a few moths ago I started paying off old accounts ... ... I have a paid in full letter from XXXX XXXX collections agency Resurgent ... I asked that XXXX remove this account which still shows incorrect info because it's been paid off for since XX/XX/XXXX '...
Product: Debt collection

I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through XXXX XXXX XXXX and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another XXXX. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.
Product: Checking or savings account

On and about the month in XXXX, 2018, I noticed there was an unauthorized withdrawal made of {$1500.00} dollars from my checking account. I immediately visited a branch of Citibank and froze this account to prevent additional fund withdrawal and transferred my remaining funds into a new account to protect against this happening again. Several weeks later an internal investigation was initiated by me because the question of why this happened in the first place was not answered regarding this unauthorized withdrawal in XX/XX/XXXX. Instead, they identified that the arm of their management investment Co. associated with Citibank had withdrawn the funds and that this investigation was closed, without an explanation of why years later, about 11 years later, they are withdrawing money from my checking account that had nothing to do with investments I had opened and closed years earlier around XX/XX/XXXX/XX/XX/XXXX during those year 's recession period. A new investigation with a new investigation reference number was opened about two months ago and to date I have not gotten my money back, nor a reasonable, legal explanation from their own management investment arm that I had opened and then closed around XX/XX/XXXX/XX/XX/XXXX because of the recession. I closed these accounts back then and I believe they were ROTH and a stocks investments amounts.
Product: Credit card

I opened an XXXX XXXX card account with Synchrony Bank on XX/XX/year>. I also established autopay to have the account balance paid monthly from my account at XXXX XXXX XXXX XXXX. Synchrony indicates that the amounts were submitted but the transaction was not successful, so the account was past due. I have several other companies with successful autopay for years from my XXXX account. I have complained to Synchrony and they have promised to resolve this issue but it never gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX