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 Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX XXXX XXXX XXXX charge-off account in the amount of {$36000.00} from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result, the account was deleted from my XXXX credit report. XXXX decision to remove this account indicates that it is unverifiable, and as such, I am requesting your agency to do the same in compliance with federal consumer protection laws. 

Under Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that all information included in consumer credit files is accurate, complete, and verifiable. Since XXXX deleted this account due to its unverifiability, you are now obligated to remove it as well. 

Furthermore, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it must delete the information from the consumers credit report. I urge you to conduct a prompt investigation and remove this account from my credit file within the legally mandated timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 provide consumers with the right to sue credit reporting agencies that fail to uphold their obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to ensure fair practices. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. If you believe the information is accurate, please provide me with documentation substantiating its validity. However, if no such verification is provided, the account must be removed immediately. 

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

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been removed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in XXXX  and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX XXXX supervisor that they are not showing a late payment for my previous account. However, when I checked my credit report its showing my account was late
Product: Debt collection

These collection companies call on a repeated bases sometime XXXX times per day
Product: Debt collection

XX/XX/2018 amount of {$5400.00} XX/XX/2018 {$7400.00} XX/XX/2018 {$4100.00} placed on credit report and affecting my ability to refinance home as well as get my credit together.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the reporting of the account XXXX. I recently obtained a copy of my credit report and found several inaccuracies and instances of non-compliance with the Metro2 report thats being reported. 
Account Number XXXX XXXXPlease verify for accuracy XXXX Please verify for accuracy XXXXPlease verify for accuracy XXXX questionable XXXXMissing field but it is required XXXX A violation because there should be no past due amount on a collection account XXXX Missing field and it's required XXXXQuestionable-There was no complete or full investigation done and how was it verified/updated XXXXmissing field and it's required Also, upon reviewing the Metro 2 compliance guidelines and CDIA reporting requirements, I have identified the following discrepancies. 
Term Frequency- ( XXXX ) -This field is missing from the report, and this must be present, or you must delete this report immediately. 
FCRA Compliance/Date of First DelinquencyXXXXThis field is missing from the report, and this must be present, or you delete this account immediately ECOA XXXXThis field is missing from the report and this must be present or you must delete this report immediately. 
Also, I have other discrepancies concerning the payment history. 
This account went into collection in XX/XX/year> and since the account has repeatedly been updated as collection every month. This is an update on the payment history. A collection account should never include a past due balance. ITS A VIOLATION-PLEASE DELETE THIS ACCOUNT Im also attaching proof concerning the payment history as well as the missing fields.
Product: Credit card or prepaid card

I have contacted CITI CARDS customer services and paid the balance due and closed this account to the best of my knowledge, yet received a statement reflecting a balance due along with additional late fees on a {$30.00} charge I understood was paid at the time I closed this account. They agree that I closed the account but my payment balance at the time of closing was past due and now I have received two late fees on the account of this.I feel that at the time I closed this and paid that {$30.00} charge everything was complete and all was in good standing and I was free and clear and this card account was closed! I feel an adjustment is in order and I owe them nothing in late fees what so ever! 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business : XXXX XXXX XXXX Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
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 right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  : ACCOUNT # 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 and 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

As I have stated before in my complaints the unverified accounts does not belong to me, I do not owe XXXX anything I have included proof that XXXX was paid yet XXXX XXXX continues to report that I do, I do not owe or ever had services from these companies, there is no way they can provide proof of these debt because they are not owed, and it is the responsibility of Experian to verify what they are reporting and that is what I have been asking for, I want verifiable proof of the accounts you are reporting or the removal of the unverified accounts.
Product: Debt collection

Im a victim of identity thieves someone got my information and opened up accounts in my name this was removed from my report before and now its back under a different company name this is on believable they keep calling me and I explain to them that Im a victim of identity thief and they said they was gon na close the case but never did
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit report, I have noticed several instances of late payments that are inaccurately reflected on my credit history. 
XXXX XXXX XXXX  XXXX I believe there might be an error in reporting these late payments, as I have consistently made timely payments for the aforementioned account. I kindly request your assistance in investigating this matter and, if appropriate, correcting the information on my credit report. 
I understand the importance of accurate credit reporting, and I am committed to maintaining a positive credit history. Therefore, I would appreciate your prompt attention to this matter. If necessary, I am willing to provide any supporting documentation to verify my payment history. 
Please inform me of the steps that need to be taken to rectify this issue and provide me with a timeline for the resolution. Additionally, I request that you send me a written confirmation once the corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX I ordered from XXXX XXXX two women 's suits that totaled {$590.00}, debit from my XXXX XXXX XXXX. I telephoned XXXX XXXX many many times XXXX XXXX, which responded they credit the money back to XXXX XXXX XXXX due to I did not get the garments. XX/XX/XXXX I received a call from " a said to be '' bank employee XXXX of XXXX of the " assumed '' bank fraud department dispute department and he was very negative. This has been an on going battle and I have yet to receive my {$590.00} as a credit to my checking account. I feel I am being scammed. 

Wells Fargo, XXXX XXXX, XXXX, New Jersey. I made reservations for the XXXX XXXX XXXX, XXXX, New Jersey for XX/XX/XXXX, which appears as XX/XX/XXXX in the amount of {$480.00} XXXX using my debit card. Details XXXX authorized on XX/XX/XXXX XX/XX/XXXX. by XXXX XXXX XXXX , XXXX XXXX , NJ and I cancelled and notified the bank I cancelled my reservations, but they debited my debit card and will not return the {$480.00} " was his statement ''. He stated it is over a year old, but I cancelled in XX/XX/XXXX ahead of time. This bank was XXXX XXXX   XXXX XXXX, XXXX, New Jersey, but transferred papers appear Wells Fargo Bank, N.A. 

I would appreciate your help. I checked my statements and have not found them to be credited to the debit card, The last complaint is the banks continue to cancel my debit cards and issue new cards, which may credit to an open account of which I evidenced as a employee of banks. This could lead to scams. Many individuals knew I had a successful brain operation, which explains I am not handicapped in my thoughts. Thank you Honorable XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I contacted 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 and XXXX XXXX  about unauthorized inquiries that are appearing on my credit report. I told all of these companies that there is fraud alert on my credit report and none of these companies were given my permission to run my credit.
Product: Credit card

My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me. 
For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc. 
I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting

As best as I can tell I had a parking ticket that was unpaid. It appears that this charged off parking ticket was sold to Alliance One Receivables Mgt Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Tel : XXXX XXXX Acct # XXXX. 

I dont know who Alliance One is. I never did business with them, nor contracted with them. They put a Key Derogatory on my credit report as if i opened a tradeline with them and defaulted. They reported to XXXX a high credit balance of XXXX and a derogatory late amount of XXXX, as if its an active tradeline. I dont know who this organization is, but they have caused great harm to my FICO score by frauduently reporting a default as a recent tradeline. I imagine this is a patent violation of the Fair Credit reporting act. What is the re-numeration I am entitled to under the act for a willfull misleading false entry on my credit report? Please investigate and sanction this XXXX.
Product: Debt collection

I am formally writing this complaint because I noticed a debt collection company by the name of I.C. SYSTEM INC. who parked a debt on my credit report. I don't know where this alleged debt came from, I was not given any information regarding this alleged debt, I was not given the opportunity to dispute this alleged debt, and I am aware that this company is not licensed to collect in the state of Tennessee. This company is damaging my reputation and breaching my privacy. The reporting of this account also reflects as inaccurate and misleading. There are multiple instances of collection notations shown as " C '' for " collections '' reported repeatedly every month. The FCRA stresses the importance of " Fairness and Accuracy '' of credit reporting. I have reason to believe this company is utilizing deceptive and abusive behavior against me. Not only are these violations of the Fair Debt Collection Practices Act but are also violations of the Fair Credit Reporting Act. This debt collection company has no permissible purpose placing anything on my credit reports without following the Debt Collection Rule under the FDCPA first. There was no attempt to communicate from this debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out through XXXX XXXX, on my TransUnion report that there was a hard inquiry from XXXX XXXX  on XX/XX/2019 that I did not authorize.
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 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Great Lakes Borrower 1 ) Misallocation of payments made across multiple loans 2 ) Intentionally moving payment date to accrue more interest 3 ) Others I 'll be happy to provide any documentation necessary to your office. Please let me know what additional information you need. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that i found to fraudulent on my credit reports. The end result was the account was deleted/ removed from my XXXX report. I contacted the other ( 2 ) CRA, Equifax and XXXX and they have not removed the negative information. It is my understanding that the creditor reports the same information to all Credit Bureaus as expected under the FCRA, and i requested via phone and certified mail that this account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXXXXXX XXXX on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED TRANS UNION AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT
Product: Debt collection

have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call MERCHANT FEE SLashers who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!
Product: Credit reporting or other personal consumer reports

I expect Experian to conduct a thorough and immediate investigation into these fraudulent discrepancies and to permanently remove these unauthorized accounts. These fraudulent accounts were opened in my name without my knowledge and continue to cause irreparable harm to my personal integrity and financial standing. Pursuant to the FCRA, credit reporting agencies are legally obligated to block fraudulent information within four business days of receiving proper documentation. It is evident that Experian has failed to comply with this federal mandate. 
Fraudulent Accounts : XXXX XXXX # XXXX 1. Balance : {$9200.00} 2. Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$500.00} 2. Open Date : XX/XX/XXXXXXXX  Based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for conducting " sham investigations '' and improperly reinserting deleted information, I have serious concerns that Experian failing to fulfill its obligations under federal law. Your inaction and failure to rectify these fraudulent entries have already had a significant negative impact on my ability to obtain credit. I DEMAND that Experian conduct a comprehensive and lawful investigation into these disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts substantiating the legitimacy of these fraudulent entries, and immediately and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I am experiencing XXXX  distress as a direct result of your failure to act in accordance with the law. Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ).