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

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Prepaid card

After lengthy and repeated conversations with the American Express reward card customer support, I was able to get a replacement card ordered for my AmEx Reward card which did not work in any physical store, nor would it work online. After trying it at multiple vendors ( grocery shop, apparel shop, XXXX, bookstore, restaurant ), and bearing the humiliation and frustration of using a Gift Card amount that just does not seem accessible, when I contacted the Customer Care again, they had nothing to say about or help the situation other than the card is active on our end and should work. The customer care never provides any service numbers to reference previous conversations. They also do not provide any documentation at all. To top it off, the website listed on the card, XXXX never works and always errors out. 
With no way to access the funds on the gift card, I am left increasingly frustrated given I have not 1 but 2 such cards and has earmarked them for some time-bound purchases.
Product: Credit card

For the most recent statement cycle of my credit card, after that cycle had closed, I received a new billing statement ( received XXXX/XXXX/16 ) from my bank stating that a new bill was due on XXXX/XXXX/16 in the amount of {$48.00}. On that same day after receiving the new statement, I promptly went online and paid my bill for the XXXX due date but it still stated that the payment was still due in XXXX. I was told by a representative that my payment was actually applied to the previous cycle and am not sure why that was since the previous cycle had closed and a new statement was generated. I argued with them to apply it to the XXXX payment but was told that when I made the payment it would not count as my payment for XXXX. I need them to fix this and need some confirmation from them that this will not affect my credit report or that this will occur again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXXXX not mine ATTORNEY GEN XXXX inaccurate/never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a collection notice I received from you on XX/XX/year>. A copy is attached to this letter. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) : COLUMBIA DEBT RECOVERY Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Washington has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I sent Capital One Auto Finance a letter certified mail on XXXX/XXXX/15, asking them for specific information regarding the account they said I had with them. At this time, I have yet to get the documents I have asked the original creditor to provide. They are still listing this account on my credit report and have not marked this account as marked as Consumer Disputes Account. I was able to confirm they received through the certified mail confirmation as well as them responding to me that they did n't understand my request. My request was very clear and concise and at this point I have n't received the documents I 've asked for and they are still reporting on my credit report. I have included both my letter and theirs below. They are in direct violation of the FCRA ( Fair Credit Reporting Act ).
Product: Credit card or prepaid card

Chase Bank is using false advertising and manipulating authorized user policy and marketing to limit access to credit. I became privy to this on XX/XX/XXXX when I ( a longtime Chase Bank customer with perfect credit history ) signed up for a Chase Freedom Unlimited card. The application was denied for " signing up for XXXX credit cards in the past 2 years '' -- a falsehood ( I have only signed up for XXXX ). But when investigating this decision, I discovered that Chase Bank is manipulating authorized user policies. 

When signing up for a credit card, Chase Bank offers the option to add an authorized user, sometimes even providing bonuses to people who add an authorized user, so they can expand the liabilities of their customer base. In the fine print, they say this could affect an authorized user 's credit score. However, what they do not say is that authorized user status also LIMITS ACCESS TO CREDIT for the authorized user. This is done through Chase Bank 's XX/XX/XXXX rule, where they have a policy to deny credit card applications if the applicant has " signed up for XXXX credit card accounts in the last XXXX years '' ( direct quote from Chase Bank representatives in their lending approval department ). But in reality, they include " authorized user '' status in the XXXX credit card accounts over 2 years, limiting an applicant 's access to credit without previously mentioning that as a possible consequence of being an authorized user. This is a serious manipulation of consumer trust, because they are clearly trying to limit their liabilities ( refusing to give out new credit cards that provide incentives to customers ), while expanding liabilities for those customers through other, low-cost means ( encouraging the addition of authorized users onto customer accounts ). Moreover, Chase makes it very easy to add an authorized user to any credit card account through a simple, easy-to-access form on the website or app -- however, there is no such process to REMOVE an authorized user. So they are making it easy to increase customer liability, while making it difficult for customers to DECREASE liability for themselves. This needs to be investigated, and Chase Bank needs to be held to account and told to change their manipulative lending and marketing tactics.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. 

The fraudulent items on my credit report, specifically associated with collection -XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} and inaccurate addresses, have been brought to your attention on multiple occasions. I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report.

A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system. 

Failure to address this matter within the exact timeframe from the date of this letter may compel me to explore legal avenues or involve relevant regulatory authorities to resolve this issue. I am asking for your assistance to remove these fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed XXXX {$690.00} XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple charge offs on my account but I have not received a 1099 from any of the companies and since then they have not removed any of the closed accounts from my credit report there by affecting my credit score
Product: Debt collection

XXXX XXXX SOLD XXXX DEBT TO COLLECTORS TO WHOM VIOATED THE DOOD FRANK ACT .SOL EXPIRED AND STILL FALSELY REPORTING AS S UCH
Product: Debt collection

Hi, I see a XXXX XXXXXXXX account was opened in XXXX XXXX Texas under my name. It was sent to Credit Systems INTL collections for the amount of {$190.00}. 

I did not open that account. I live in XXXX
Product: Mortgage

XXXX, my previous mortgage loan servicer, made in error when determining my escrow account payments. They effectively doubled the amount on one of my two tax payments that are required per year. This was done in error in which they aid they were doing an escrow reconciliation. 

I tried to resolve with XXXX. However, they never resolved the issue after I sent them multiple RESPA requests. They subsequently sold my mortgage to LoanCare. 

My mortgage was then sold to LoanCare/XXXX XXXX. I requested the escrow error to then be corrected by LoanCare. I have requested this 4 times. Each time with a denial that did not fix the escrow error nor made any sense based on the status of my account. It seemed that picking any reason to deny the requests was the only action taken. No investigation into the documents or information provided. Each denial made no sense in respect to the information I provided or the current status of my account. 

Since, I made no progress on fixing the escrow error. I then requested that I be able to pay my taxes and insurance myself. Which would also eliminate the overcharges on the escrow. 

The last denial from LoanCare stated that my loan to value ration did not yet exceed 80 %. 

This is also in error. My loan balance is {$190000.00}. The original loan amount was XXXX. My house currently appraises for minimally {$330000.00}. XXXX and XXXX at $ XXXX. Either way, I meet the criteria to pay my own escrow. 

Its very frustrating that I can not get this fixed. My escrow account will be ~ {$8400.00} when the next payment of taxes due XX/XX/2020 is {$3900.00}. 

I am being forced to pay a monthly over payment on escrow of {$310.00}. 

This is my last step in trying to resolve this situation before filing a claim in the Michigan courts. I have tried to resolve this over 7 times between XXXX and LoanCare current mortgage loan servicer. 

Please see attached spreadsheet and screen shots from my account. As well as the last denial letter for me to pay my own escrow. 
First, you can clearly see the escrow error. As it states what LoanCare has to pay for my taxes and the amount they are actually receiving. 

Regardless, I want to eliminate the escrow altogether. 

I want to pay the insurance and taxes myself. I have every right to. No payment has ever been late and my LTV is minimally at 61 % if not better. 

Included documents include spreadsheet showing escrow over payment backed up by screenshots from my Loancare account. Also included is documentation regarding how I never missed any payment.
Product: Credit reporting or other personal consumer reports

I

want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Debt collection

Please review attached IRS 1099C form, Debt has been discharged & paid. Please update payment history to all paid or delete off my consumer report.
Product: Money transfer, virtual currency, or money service

I had XXXX XRP in my Coinbase wallet. The last time I saw it was on XX/XX/2021. Later that same day it had disappeared. I am including screenshots of my wallet taken on that day. 

I have submitted many tickets trying to get it back. This hasnt worked.
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$9700.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, Experian, XXXX have accounts back added as a reattach to my report once removed off
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I saw an ad for a set of wheels for a car on XXXX account XXXX XXXX XXXX. Contacted the account owner through XXXX messages and asked for the price of the wheels plus shipping. Was given a price of {$500.00}, {$400.00} for wheel plus {$100.00} shipping. Sent {$500.00} thru XXXX from my Capital One Checking account to XXXX XXXX thru his email contact XXXX. On XX/XX/XXXX, Seller sent message stating that was getting ready to ship the wheels, but then requested another {$300.00} for shipping insurance. Told seller that I paid the price I was told for shipping, which was {$100.00}. Asked for a refund and seller stated they did not give refunds. Only gave refund for items that did not meet the buyers needs. I tried to request money back through XXXX, I got a message that there was a problem with the recipient 's zelle account. Also the XX/XX/XXXX page post have been removed.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Names and Associated Information linked to those name Dear Experian Customer Service, I am writing to request the immediate removal of all outdated names from my credit report. My current name, as it appears on my license and official documents, should be the only name listed on my report. I have previously sent certified mail with my updated information, yet my credit report has not been updated as requested. 

Please remove all other names linked to outdated information, bad debt, or accounts opened under those names. It is essential that my credit report accurately reflects my current name and current address. 

Experian currently has XXXX accounts listed on my credit report, but I only have XXXX active accounts. Many of the outdated creditors, closed accounts, negative reporting, and old addresses are linked to previous names that are no longer relevant. These inaccuracies are unfairly impacting my credit report, and I request that all outdated information be removed, leaving only my current name and active accounts. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Per your representative, because I was requesting to have multiple issues with Experian resolved ( update name & address, remove outdated information and a negative account reporting ) they suggested that I create multiple dispute tickets. I have attached a screenshot for your viewing.