23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am currently XXXX XXXX military and have been since XXXX. I contacted American Express about my account back in XXXX after completing boot camp to inquire/apply for SCRA Relief benefits to my account which was jointly owned between my wife and I since 2018. My wife is the primary account holder and I am the secondary. The representative I had spoken to said that under the SCRA my annual membership fee would be waived and that American Express goes above and beyond for the SCRA 's cap of 6 % interest and charges 0 % interest while the member is XXXX XXXX and up to 180 days past the service member 's discharge date. 

In XXXX, I decided to look through my American Express statements after returning home from XXXX and discovered that I was still being charged the original interest rate which was above the cap of 6 % that SCRA is supposed to provide. I called into AMEX on XXXX and the representative I talked to confirmed my account had SCRA benefits applied and opened a case to find out why the interest rate was still being charged and to request all interest charges to be credited back to my account that were incorrectly billed. We were told the investigation would take up to 60 days. We followed up at the end of XXXX to find out that there had not been any activity on our case at all. The representative stated they would escalate the case. My wife and I followed up again several times in XXXX to finally be told that our case had been denied. I called back after coming home from a detachment in XXXX and they stated that I was not enrolled in SCRA and they would have to open a new case to re-apply SCRA Relief onto my account and we would receive a follow-up call in 14 business days. My wife called in tonight XXXX ( we live in XXXX ), to find out the case was closed ( we have never received any sort of follow-up or communication from AMEX, we always have to call in and incur international calling charges because we are stationed in XXXX ) XXXX The representative stated that the case was closed because they could not find and record of me in the government system they used to verify service members. I called back after my wife got off the phone to see if they ran my SSN or my wife 's and the representative stated that he thought my wife 's, but couldn't confirm. I asked if I could send in a copy of my XXXX XXXX orders, and the representative stated that I could not. He re-opened what would now be the 5th or 6th case on my account. We have been working on this issue for 5 months now without any type of resolution, and we are still incurring interest charges. If needed, I can submit a copy of my orders with this complaint.
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. 

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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within 30 days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
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 inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 reporting, credit repair services, or other personal consumer reports

servicefinance company, llc i have account with them with auto pay recently they told me that auto pay was stop by the bank i contact the bank bank told me there is no stop payment t in the pass i have the proof later from the bank saying no stop payment or late payment
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 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 be investigated and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.
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 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 card

On XX/XX/2024, a purchase of {$120.00} was made to my Capital One card from XXXX. The purchased item was an XXXX XXXX ( XXXX XXXX ). In compliance with the return policy, the item was returned on XX/XX/2024 to an XXXX XXXX. After contacting XXXX on XX/XX/2024, it was advised to wait longer for a refund. So I waited and then opened a dispute with Capital One the following day. A credit was applied that same day. Upon request on XX/XX/2024, I provided additional documentation for the case, including an explanation of the situation and the case was closed in XXXX 's favor on XX/XX/2024. The purchased merchandise is not in my possession and the charge is still being billed to me.
Product: Student loan

I am writing to formally request a resolution regarding a refund of over {$600.00}, which I have been trying to obtain since XX/XX/year>. Despite numerous calls and conversations with several supervisors, I am repeatedly told that the refund process will take 60-90 days. However, it has been well beyond that timeframe, and my refund has still not been issued.

In addition to this, I have spent significant timeoften over three hoursattempting to reach customer service, yet I have seen no progress on my case. This experience has been extremely frustrating, and I am seeking immediate action to resolve this issue. 

I expect the refund to be processed promptly, as this delay has been ongoing for far too long. 
Thank you for your immediate attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX Balance Owed : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - XXXX believe this account is reporting inaccurately. I do not recall ever
Product: Credit reporting or other personal consumer reports

This information is incorrect and does not belong to me, I do not want it in my report. 
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

CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in TranUnion, XXXX  and XXXX  all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

XXXX  has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

TransUnion had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.
Product: Credit reporting

XX/XX/XXXX I received a XXXX from XXXX, reflecting a cancellation of debt. I paid tax to the IRS for the amount owed. As of XX/XX/XXXX XXXX is still reporting this cancelled debt amount on my credit report as a balance amount past due. XXXX insists that in order for them to report a XXXX 'balance owed ' to the credit bureaus, I will need to pay XXXX the entire cancelled amount. This balance should not be reported to the credit bureaus as an amount past due. The account was written off by XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I entered into a consumer credit transaction with Westlake financial services XX/XX/2021. I extended my credit and authorized a the a promissary note with my name and signature which secured my payment in full through the finance charge. XXXX XXXX XXXX then gave me a repurchase agreement contract and never disclosed they had a security XXXX in my property which is a violation per 15 usc 1692j false and deceptive forms. They then sold my my own loan back to me and charged me XXXX. not only that they are taking cash with credit transactions. I paid a down payment of {$6000.00} and monthly payments of {$320.00} which is a vialtion of my consumer rights per XXXX XXXX code XXXX ( b ). The finance charge is the sum of all charges and It does not include any charge of a type payable in a comparable cash transaction. The cost of consumer credit as a dollar amount per XXXX Finance charge. They never fully disclosed the information to me. Also according to the Ohio attorney general they where supposed to give me my title at the time of sale or within XXXX days of the purchase. Ohio Revised Code ( ORC ) Section 4505.181 and ORC 1345.52. i was never informed I had the right to rescind and this is a violation per 15 is code 1635.. I also sent the a letter of recission and have not got a response back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX All of these accounts have 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 State : 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any informaton relating to a consumer to any consumer reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate
Product: Debt collection

WORKS & LENTZ was contacted by us on the WORKS & LENTZ website at XXXX on XXXX/XXXX/2016, by email on XXXX/XXXX/2016, and by phone on XXXX/XXXX/2016 to stop contacting To stop contacting contacting us. WORKS & LENTZ was informed if they continued they would be in violation of the FDCPA Guidelines for Collectors. We requested for WORKS & LENTZ to send list of all debt owed within 30 days. Once debt was validated they would be paid in full within 90 days. We received a ambiguous and vague bill via court summons ( lawsuit ). WORKS & LENTZ contacted local extended family and extended family several states away. We settled out of court paying full amount owed. WORKS & LENTZ then tells us we have to pay there fees for the lawsuit filing. Yet if they had sent us a bill that requested withing 30 days they would have been paid in full. We believe WORKS & LENTZ used this as a tactic to get extra money. We have website print out if needed of attempt to contact WORKS & LENTZ on there website. We also have email if needed where we attempted to contact WORKS & LENTZ by email
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep dissatisfaction with Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that has brought to light systemic issues with the platform. I have been a long-time user of Zelle, utilizing it across multiple financial institutions, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, since its inception. Despite reporting discrepancies and unauthorized transactions in the past, neither Zelle nor my financial institutions took adequate steps to investigate or resolve my claims. 

I was repeatedly informed that recovering lost funds was " impossible '' and that tracking these transactions was " unfeasible. '' This response not only left me financially vulnerable but also eroded my trust in Zelle 's ability to protect its users. The CFPB 's findings further confirm what I have personally experienced : Zelle has failed to provide accountability, transparency, or sufficient safeguards to prevent scams and fraud, allowing repeat offenders to exploit the system with little to no consequences. 

This lack of action is unacceptable and has caused significant frustration and financial hardship. I am urging Zelle and its associated financial institutions to take responsibility for their failure to protect consumers like me. This pattern of negligence demands a fair resolution, and I expect to be compensated for the losses and inconvenience I have endured due to Zelle 's shortcomings.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Mortgage

I am trying to sell and close on my property and and contacted Loan Care for my payoff. I contacted them as well as the title company on XX/XX/2018. It is not XX/XX/2018 and they still have not provided the payoff information and after numerous attempts in contacting I keep getting the run around and no one seems to know why they can not generate the payoff information. Every person I speak to at Loan Care seems oblivious to the process and provides various answers as to why they do not have the payoff. I have already missed one closing date on a cash sale and about to lose another because of their incompetence. I have never had such a hard time requesting a payoff from a loan provider.
Product: Credit reporting or other personal consumer reports

I payed on time and this Account Needs To Be adjusted to Payed On Time. This Account is inaccurate please reinvestage this and get the proper results and Make The account In good Standing. 

15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

There are items on my credit report that were included without my authorization, and this is a serious issue.
Product: Credit reporting or other personal consumer reports

Can you help me create a dispute letter using the 1681 for civil liability for negligence non compliance.