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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report, despite my previous disputes submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX These disputes outlined specific inaccuracies regarding reported late payments on this account and were supported by ample documentation. Yet, the incorrect information remains unaddressed. 

Under 15 U.S. Code 1666b, creditors are required to send periodic statements, including all relevant information outlined in section 1637 ( b ), at least 21 days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that both credit reporting agencies and information furnishers correct inaccurate or incomplete information in credit reports to ensure maximum accuracy.

Furthermore, under the CARES Act aid relief provisions, specific accommodations were established to protect consumers during the pandemic, particularly regarding credit reporting and payment obligations. These provisions required creditors to report accounts as current if payment accommodations were in place, provided the consumer met the terms of such arrangements. By failing to appropriately adjust this account under these protections, your actions not only violate the FCRA but also disregard these consumer relief measures.

The inaccurate reporting has unjustly harmed my credit score, caused me significant distress, and is a clear violation of my rights under the FCRA. I demand the following actions : Immediate correction of any inaccurate information, including the removal of reported late payments that occurred during the CARES Act-protected period.

A detailed explanation of the actions taken to investigate and resolve this issue, including a description of the verification procedures employed for my prior disputes.

If these corrections are not made within 10 days of receipt of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to seek damages for this negligence. Under Article 616 and 617 ( 15 U.S.C. 1681n and 1681o ) of the FCRA, you may be held civilly liable for willful and negligent noncompliance. Additionally, I will consider notifying other regulatory bodies and consumer advocacy groups.

I expect to receive written confirmation of the corrective actions taken and assurance that this matter has been resolved. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase has many cards ( 9! ) that have Ultimate Reward points. The Freedom Unlimited card, the regular Freedom card, the Sapphire card, the Sapphire Preferred card, the Sapphire Reserve card, the Ink Unlimited card, the Ink cash card, the Ink Preferred card and the Ink Premier card ( which is a new card ). 
The way it always worked was that all these points can be moved around to each other ( under the same household ). I had XXXX points on my Ink Premier and around the same amount on my Ink Unlimited card. Ultimately I wanted to use them to transfer to an airline of my choice. So to make it easier to track, I decided to combine them into 1 account. So on XXXX XXXX XXXX I moved my XXXX points from my Ink Unlimited to my Ink Premier.

Then I realized to my horror that not only can't Ink Premier points be transferred to airlines, I can't even move it back to the card it came from! The Ink Premier card is a trap, it's the ONLY Ultimate rewards card that can receive, though can't send! So now I'm stuck with such a huge amount of points that I wanted to use to fly and instead just stuck with their lousy cash back option. 
Very very upsetting and very unfair that all other 8 Chase ultimate reward cards, points can be moved in and out, and the Ink Premier can only receive! If Chase wants the Ink Premier card to be a different product than all the other cards, then they shouldn't let points in as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 

1. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Was never late 2.XXXX Account Number : XXXX Was never late 3.XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6.XXXX & XXXX XXXX Account Number : XXXX Was never late 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
Product: Debt collection

I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XX/XX/XXXX. I called ATG on XX/XX/XXXX and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XX/XX/XXXX I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC XXXX et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
Product: Debt collection

Kramer and Frank had 2 XXXX XXXX accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. XXXX XXXX  did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by XXXX XXXX in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Mortgage

I'm paying my loan every month. The interest is prime minus .40. Sometimes when I pay twice in one month everything goes to interest. The particular payments I'm referring to are XX/XX/XXXX and XX/XX/XXXX. I paid principal and interest on XX/XX/XXXX then when I paid 2 payments of {$600.00} on XX/XX/XXXX and XX/XX/XXXX all of it went to interest. They said the next billing cycle was due. I thought I was paying accrued interest. All {$1200.00} went to interest. They've done this in the past too. At this rate I'll never get it paid off. Is this right?
Product: Credit card or prepaid card

I have been having trouble logging in to my Discover bank account and Discover credit card account for several months. They are separate accounts, not merged. I made sure to use the corresponding login website for the banking account versus the credit card account/mobile app. 

Every time I try to log in to either account I get the following message : 'The information you provided does not match our records. Please try again or select " Forgot User ID/Password '' below to reset your log in credentials. ' Then I have to click " Forgot User Password '' and reset my password in order to access my accounts. However, the new password is still a one-time thing. Even with back-to-back login and logout, the password is only effective for a single time. I document every password I create so I am 100 % sure that it is not human error. 

I made numerous calls to discover and the only resolution I ever got is to reset my password and check if I'm using the correct portal.
Product: Mortgage

On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. 
In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.
Product: Money transfer, virtual currency, or money service

I want This Letter Be sended To the Executive of paypal Because Im so serious with this Complain. 

Subject : Unjust Account Suspension Dear PayPal Customer Support, I am writing to express my deep concern and disappointment regarding the recent suspension of my PayPal account. I believe there has been a misunderstanding, and I kindly request a thorough review of my account 's suspension. 

Firstly, I would like to emphasize that my business is solely focused on web hosting services, not file sharing. I provide web hosting solutions to clients, allowing them to host their websites and applications on servers I manage. Web hosting is a legitimate and widely recognized service in the online industry, catering to the needs of businesses, individuals, and organizations. 

I was surprised to receive a notification stating that my account was banned due to alleged file sharing activities. I can assure you that this accusation is entirely unfounded and misaligned with the nature of my business operations. Web hosting involves storing and sharing website files, not engaging in unauthorized file sharing activities that violate copyright laws or intellectual property rights. 

Furthermore, to verify the legitimacy of my business, I have previously provided PayPal with detailed information regarding my Website, including its name, address, and nature of services. I have also shared the estimated amounts that will be received in my PayPal account from my web hosting clients. These details were intended to demonstrate the lawful and transparent nature of my operations. 

I have been a loyal PayPal user and my account has always been in good standing. I have conducted numerous transactions securely and efficiently, with no history of any fraudulent or unethical behavior. It is disheartening to face such a severe consequence without any prior warning or opportunity to clarify any misunderstandings. 

I kindly request that you review my account suspension and reinstate it as soon as possible. I am willing to provide any additional information or documentation that may be necessary to verify the legitimacy of my business operations. I understand that PayPal has security measures in place to protect users, but I believe my case has been mistakenly flagged and requires further investigation. 

I am confident that a thorough review will reveal the true nature of my business and demonstrate my compliance with PayPal 's terms and conditions. I value the convenience and reliability that PayPal offers, and I hope we can resolve this matter promptly and amicably. 

Please contact me at XXXX to discuss this issue further or to request any additional information needed. I have attached the previously submitted information for your reference. I look forward to your swift response and the reinstatement of my PayPal account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX3 Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX also known as XXXX fraudulently reported a debt to CCS Collections and is refusing to remove it. It started back in XXXX when XXXX was charging me an incorrect balance of {$250.00}. I called them, send emails and did chats with agents trying to get it resolved. They brushed me off for months and instead of correcting the amount due, the sent the amount of {$250.00} to CCS Collection agency. I still continued to contact XXXX until I finally got someone on the line from XXXX who truly looked into my issue and admitted that XXXX " made a mistake. '' He corrected the balance due as {$28.00}. I paid that balance and stated that if someone would have helped me and corrected this inproper charge months ago, I would have paid it. This bill would have never went to collections. Instead of helping me and correcting the error that THEY made, they first sent it over to collections in which now shows up on my credit report. They marked the debt paid or settled, but i want it removed! It was fraudulently sent by XXXX as they try to bully me to XXXX {$250.00} when I only owed {$28.00}. This is causing an incorrect reflection of me on my credit report because of XXXX XXXX greed and error. They should not be able to get away with this, and this collection should not be able to sit on my credit report for 7 years because of XXXX  insurance billing error. I have the auto policy number and any other information you may need to investigate further.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNT FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I made two payments of {$500.00} to XXXX XXXX Bank and was told I would not be 30 days past due when I made the two installments in a agreement I was so afraid I called back and was told again I wouldnt be delinquent reasoning being because Ive never been delinquent and thats important to me and to my credit score and my livelihood for my family and I. XXXX employees told me false information and reported it & made my credit drop XXXX points. Thats devastating. Then these three Credit credit bureaus Experian XXXX, XXXX XXXX have reported false information and or reported XX/XX/XXXX instead of changing my report to current status and removing negative information. Please investigate all parties involvedXX/XX/XXXX, Experian, XXXX XXXX
Product: Debt collection

The XXXX  XXXX XXXX account reported on my credit report is not mine. The account that was reported even has my name spelled wrong its spelled unque when its unique. I have disputed this almost every week for 6 months straight since XX/XX/XXXX every since I found out about the account. Ive called and they repeatedly told me there is nothing they can do. They keep calling my phone even when I say it isnt me they have called and emailed me every day. Account ending in :XXXX  Amount:XXXX. 


I am not responsible for this account please help me thank you!
Product: Credit reporting or other personal consumer reports

Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. 

On or about XX/XX/XXXX, the following unfair or deceptive acts occurred : - Violation of 15 U.S. Code Sec. 1629e ( 8 ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692c of the FDCPA - Violation of 15 U.S. Code Sec. 1681i ( a ) ( 1 ) ( A ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692e of the FDCPA - Violation of 15 U.S. Code Sec. 1692f of the FDCPA - Violation of 15 U.S. Code Sec. 1692g of the FDCPA - Violation of 15 U.S. Code Sec. 809 ( b ) of the FDCPA These unfair or deceptive acts and/or practices are declared unlawful by Section 2 of Chapter 93A. XXXX XXXX, XXXX was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the Commonwealth of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the Commonwealth of Massachusetts.
Product: Money transfer, virtual currency, or money service

Snce XXXX I won the lottery while XXXX in XXXX. When I came home the bank staements indicated that USAA bank placed the money on hold because they claimed it might be terroist funds and its was XXXX XXXX and another lottery called XXXX, it was done online and they assured me as soon as the funds were cleared I would receive it. The statements and other proof were submitted to them by XXXX and I got a call from the President of XXXX XXXX of which indicated the funds were cleared and ready to transfer back to my person ; till now Im unable to get that money even after XXXX from President XXXX office called and confirmed everything. This is theft and delay. PLEASE HELP. XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX
Product: Credit reporting or other personal consumer reports

This account was CHARGED OFF on the following date XX/XX/2021, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. 

A charged off account should not include an active payment history. This INACCURATE INFORMATION falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX  XXXX XXXX # XXXX