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

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 [ Equifax ]. 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-o for {$26000.00} from XXXX XXXX XXXX Account XXXX XXXX The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX University Perkins Loans were transferred to the XXXX XXXX XXXX XXXX in XXXX of XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my XXXX credit reports from XXXX. After they were sold to the XXXX XXXX XXXX XXXX, they resubmitted these same loans as NEW debt to my Experian and XXXX credit reports. The loans went into default in XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX XXXX, my SSN # is XXXX. My XXXX XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XXXX. My student loans went into default in XXXX. My paychecks have been garnished from XXXX-present by the XXXX XXXX XXXX XXXX but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XXXX. I have not attended college since XXXX, so there are no new loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N : XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not  responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint with the CRA TransUnion XXXX   and XXXX. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law
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 Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding XXXX late payments reported byXXXX XXXX my credit account. 
A Credit Card under my name XXXX XXXX account open since XX/XX/year>, # XXXX with excellent management. I have maintained a consistent history of timely payments for several years. However, Capital One reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, underXXXX XXXX XXXX ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. The reported information must be corrected or removed if it can not be verified. Furthermore, XXXX XXXX XXXX, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. XXXX XXXX XXXX : Requires creditors to provide clear and timely statements before reporting a late payment. Capital One failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If Capital One can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response withinXXXX days, as required by law. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Credit reporting

A XXXX credit card tradeline is being listed on my credit report underExperian with account number XXXX. I was born XXXX XXXX XXXX and thisaccount was opened XXXX XXXX. I was a minor in XXXX XXXX. I was madeaware of this tradeline of being in collections status when I joined the XXXX XXXX inXXXX XXXX when they ran a credit check for my security clearance. I was deniedentering the armed forces right away based on this XXXX tradeline reportingthat is not and never was my credit card account. I contacted XXXX to rectifytheir credit bureau reporting error in XXXX and they said to me that I was lying andthat it was my credit card account. I shared with XXXX that I was only XXXX atthe time yet they did n't care. I was young and did n't know how to have their errorremoved from my credit reports. When I in-processed through XXXX XXXX financethey told me do n't worry about it that it will go away. I exited the XXXX XXXX in XXXX to go to college and had to do another credit check and the XXXX creditcard account was still there. I reached out to XXXX again and they said theyhad no records of me that I had to take it up with the credit bureaus. When I calledthe credit bureaus that were listed on my credit report they said they could n't helpme get the XXXX account removed because that I had to take it up with XXXX. In XXXX my college XXXX XXXX told me to go to XXXX todispute this account again and that if I signed up for a membership that they couldhelp me get this XXXX tradeline removed from my credit reports. In XXXX I joined XXXX saw that it was still on my credit reports. I filed adispute report on XXXX/XXXX/XXXX report # XXXX to help me get this XXXX XXXX card tradeline removed from my credit reports. I still have n't received anyhelp from XXXX to date on their reporting me having a credit card with themsince XXXX XXXX when I was a minor. XXXX is reporting this only fromExperian now. The tradeline does show that someone is making the payment as ofXXXX XXXX. The current balance is {$6800.00} with a minimum monthly payment of {$130.00} a month. With a credit limit on this tradeline of {$9100.00}. This is effecting myability to purchase a home as it is lowering my credit score due the revolvingaccount is over the 50 % limit. It is affecting me as a consumer of obtaining credit inmy name that I can actually utilize as a Washington State resident. I request thatyou please assist me in having XXXX have their credit card account removedfrom my Experian credit report immediately that is not mine. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit card or prepaid card

This bank is horrible they close all my accounts without notice for no reason they are crazy they must be investigated and shut the XXXX down they wont approve me for any new accounts claiming imma fraud and close them due to fraud how is this fair when my accounts were in good standing with a XXXX balance they are nuts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were bank of America and XXXX. 
The loan company said that I had debt with Bank of America of {$18000.00}. And that I had 2 XXXX cards for amounts of {$9400.00} and {$2700.00}. 
I called Bank of America and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold 7 years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : Bank of America was listed in the schedules, and they were served with notice of the bankruptcy filing. Bank of America did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where Bank of America did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with XXXX. 
I submitted a complaint to XXXX, and they completed their investigation. However, the Bank of America {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call Bank of America and XXXX and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

Thank you.
Product: Mortgage

I contacted 3 individuals at Pannymac today. XX/XX/2018 - 2 Customer service agents and a Team Leader. 

My request was simple. To get a mortgage property tax exception in the state of Indiana you must file that a mortgage exist with the county recorder. Pennymac claims that they do not file mortgages with the county. They only pay taxes on the mortgage through 'XXXX  '. Without this filing I can not get a Mortgage exception property tax reduction in the state of Indiana.

Funny thing - the county recorder ( I talked with them 3 times ) said that if there is no mortgage filed - I can sell the house and the title company will find NO MORTGAGE on the house. Thus - I can keep every cent. 

Further - all they emphasize is that they are also a loan collector and anything you say can be used to collect monies. 


Funny thing. When you look up their executives on XXXX all of their contact are locked so you can't send messages. This should be a HUGE WARNING of what they think of customers.
Product: Mortgage

I had an insurance claim and I was not able to use those funds to pay off my loan I had my home in escrow and I was dragged on for weeks and months not knowing what the outcome was for me to come up with XXXX
Product: Vehicle loan or lease

I bought a vehicle from XXXX and Ally provided the loan. I requested a cancellation of a insurance policy through XXXX, and was told they would be sending the refund check to Ally to be applied to my outstanding balance. It took XXXX about a month and half to disperse that refund. During that time, I paid off my loan in full with Ally. According to XXXX, they cashed and cleared the check ( check number XXXX XXXX on XX/XX/21. After that, I spoke to representatives from Ally and was told they had received the payment from XXXX and would be mailing me a physical refund check. I did not receive this check after 10 business days. I requested a new check to be sent out, did not receive that check after 10 business days. Again, I requested a new check and did not receive it. Each time, the representative confirmed to me that they was the credit on my account that I was owed a payment for and they would be mailing the check. Finally, I called and requested that a new check be sent out to me and I be given a tracking number so I could ensure delivery. At this point, I was told that Ally had never received a payment from XXXX, and that they did not owe me any money and I would have to check with XXXX. I contacted XXXX and was told the same information, that the check was sent to Ally on XX/XX/21, cashed and cleared on XX/XX/21. XXXX was helpful, cooperative, transparent and was willing to give me whatever written information I requested. Ally has refused to communicate with me in writing, stating that " they are not allowed to use email ''. They have refused to give me any written statements about their plan to resolve this issue, and have refused to give me the email address or direct phone number for anyone in their payment investigations department that can assist with this claim.
Product: Checking or savings account

I opened a dispute with Wells Fargo for transactions on my debit card. The reference number I was given is XXXX. XXXX writing this report to confirm I receive temporary credit to my account by the XXXX business day, as promised by representative XXXX and required by Regulation E.
Product: Checking or savings account

XX/XX/year> - locked out of my Citi Bank account XX/XX/year> - XXXX contact Citi Bank by phone XXXX and they tell me that they have to send me a letter with a confirmation code to confirm who I am. I wait XXXX weeks and the letter never arrives at my residence. 

Over the next 5 months I call Citi bank over XXXX times and receive the same response every time, without a letter they can not help me. 

XX/XX/year> - I call Citi Bank again and after reviewing my account, the lady helping me informs me that Citi Bank is closing my account due to suspected fraud. I have approximately {$1500.00} in the account last I was able to log in. She tells me that Citi Bank will send me a letter that has a check with the amount left in my account. I tell her that Citi Bank has been unable to successfully send me a letter for 5 months despite multiple tries, how can I be sure that I receive this check with my money? She says that she is unable to help me further and hangs up. I am worried that I will not receive this money, and I am still unable to get into my Citi Bank account that has my credit card attached to it.
Product: Debt collection

I have received collections notices from Creditors Bureau USA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX, dated XXXX XXXX, XXXX for account # XXXX in the amount of {$490.00} and XX/XX/XXXX for account # XXXX in the amount of {$780.00}. These collection notices are for services provided by XXXX XXXX XXXX on the following dates of service : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I had medical coverage during this entire time period and, in fact, had dual coverage. My primary was XXXX and secondary was XXXX. I provided both insurance cards to the receptionist on each visit. It appears, after discussions with XXXX, XXXX and XXXX, that only the XXXX insurance was used to submit claims against. I had coverage by both insurers at the times of service and provided that information on each visit. The claims were not paid because they were not submitted properly by XXXX and through no fault of my own. 

Additionally on the last date of service, XXXX were used during this visit and XXXX did not provide the correct insurance information to them as well. After a phone discussion, XXXX XXXX was able to confirm my coverage with XXXX using my ss # and rescinded the claim and subsequent collection activities. 

XXXX would not pay because they need and " Explanation of Benefits '' from the primary insurance XXXX before they can determine their portion. XXXX does not have an " Explanation of Benefits '' for these visits because they were never billed. I have provided all of the coverage information I was asked and required to provide. 

I have requested that they review this information and rescind the invoices and cease collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email allegedly from CapitalOne with a subject, " Congratulations CapitalOne Customer. '' The problem is, neither my husband or I have a CapitalOne card, nor do we have any other kind of financial relationship with CapitalOne. I do not know if the supposed account is in my name alone, his name alone, or if it is an alleged joint account as we do not have a CapitalOne account. I opened the email, but I did not respond or go further. 

On XX/XX/XXXX, I received an email again from allegedly CapitalOne with a subject, " Expiring Soon : Your {$50.00} CapitalOne Reward. '' I did not open the email. I just flagged it with a question mark. 

Last night, XX/XX/XXXX at XXXXXXXX XXXX, I received an email again saying that it was from CapitalOne with the subject, " Congratulations CapitalOne Customer. '' I opened the email and was going to reply with the note that I was not a CapitalOne Customer and asking why I was receiving the emails. However, I thought better of it and did not reply or open the email any further. 

I am concerned that this is a scam and, although it does not appear to have affected me at this point, although I am not sure about that, I believe it should be looked at because if this is being sent to many people and by opening the email, or going further with their bait, someone's identity or finances might get compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans for XXXX and US Department of Education. The loan has been forgiven as per required for 100 % XXXX veteran. I had it removed and it came back on my credit report all 3 of them. Please remove and KEEP OFF I have done this several times over and over and it has created financial hardships at various and multiple times. The debt was forgiven in late XX/XX/XXXX. Please remove and keep off my credit report in the future. I have submitted all documents in the past proving that debt has been closed and that I have been awarded since XX/XX/XXXX. Please reflect all dates back to that date also. Thank you, I hope this will give me the freedom to finally use my VA home loan and purchase my 1st home ever instead of renting my whole life because of credit issues with " Student Loans ''.