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

am writing to formally dispute a late payment entry on my credit report for the account XXXX that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me. 
3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details.

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.
Product: Credit card or prepaid card

On XX/XX/202, i noticed a fraudulent transaction on my Frontier Master Card account ending with XXXX for an amount of {$27.00}, I reported that to Frontier Master Card Customer service who made me wait 2 hours and then a XXXX lady answered the call and was reluctant to provide her name and emp ID or any identification ID and refused to take my complaint saying that Fraud dept is closed today and she is the only one available today, I told her this is a multibillion dollar bank how can there be only one employee working on sat, it is usually 24/7, After 45 min of explaining her situation she finally transferred me to a manager at Barclays in USA, I told her about this fraudulent transaction from XXXX XXXX XXXX  XXXX and she blocked my card and marked it fraud pending investigation. 
Exhibit A - On XXXX XX/XX/2020 I received a mail that I have been credited the {$27.00} Fraud disputed amount from XXXX XXXX   XXXX XXXX please check exhibit A and confirmed that account has been closed Exhibit B - On XXXX XX/XX/2020 after a month I received a letter that the Barclays investigation dept has determined that XXXX XXXX XXXX  XXXX  {$27.00} is a valid transaction and therefore its re posted, XXXX XX/XX/2020 again after waiting 2 hours on hold and requesting the XXXX agent to please let me talk to manager which she would refuse or try to disconnect ( attached Call log ) I was able to talk to XXXX who refused to re open case # XXXX and told me to fax more supporting docs to them again to review but at this time they cant help, I told them to go to XXXX website and see for themselves it been shut down by the XXXX Govt and its an XXXX website and there is no customer service operation when you call them it says it has been disconnected, I provided all the hard evidence to show that this was indeed a fraudulent transaction but they refuse to help me and never responded back saying case is closed
Product: Money transfer, virtual currency, or money service

This company promised XXXX XXXX that they would have a way to increase their withdrawal limits through this form. They continue to reject or prolong the process beyond the 7 business day timeline specified in order to extract fees from the creditors. The ability of creditors to withdrawal their cryptocurrency is one of the reasons why PayPal was selected in their contract as a Distribution Partner for XXXX They are violating their agreement as a Distribution Partner. 
In the response to my complaint, they state that my withdrawal increase application was approved but that isn't true. I was never able to withdrawal more than {$10000.00} per week in cryptocurrency. After being told for the second time that my withdrawal increase application was rejected for an unspecified reason, I gave up and sold my cryptocurrency on the platform with the transaction fees they stated. If they followed their contract with XXXX, I wouldn't have had to pay this amount in fees and have a taxable event. The amount of fees they stated is not correct. They did not include spread. Below are the total fees including the spread. 
XX/XX/XXXX, XXXX XXXX CT XXXX XXXX sold Price : {$2900.00} Stated Price : {$2800.00} Cost of Spread : {$400.00} Total Fee : {$940.00} ( XXXX % ) XX/XX/XXXX, XXXX XXXX CT XXXX XXXX sold Actual Price : {$51000.00} Stated Price : {$51000.00} Cost of Spread : {$230.00} Total Fee : {$590.00} ( XXXX % ) I have proof that they never approved my request in the attach images ( rejected it three times without reason ). On the second rejection, they rejected my application on XX/XX/XXXX suspiciously 30 minutes after I mentioned that I submitted a complaint to the CFPB. The third time was on XX/XX/XXXX without reason. The same day they stated that they approved it.
Product: Credit reporting or other personal consumer reports

Ally Financial has reported this account as Closed and Charged off for profit loss. Yet, my credit report reflects a balance through collections. 
If an insurance claim been filed on this account ( XXXX XXXX  ), so why haven't I received the 1099?

I have a right to report Ally Financial to the IRS for fraud and I'm prepared to sue if I do NOT receive the 1099 and this account is removed from my credit report.
Product: Student loan

Hello, Upon my annual renewal of my income based repayment plan, Navient denied my renewal saying I hadn't made three consecutive payments under the prior income based amount. In the past 12 months, I had made XXXX consecutive timely payments under the old plan amount and had 6 months forbearance. When forbearance ended, Navient kicked me out of my income based plan into a standard repayment plan. I called a representative, who admitted that was incorrect and placed me back into the income based plan. When logging in to pay my next amount due under the income based plan ( and I believe the new amount is being computed incorrectly, but that's not at issue right now ), I learned that they did not remove approximately {$59000.00} in capitalized interest that they added to principal when my loan entered into the standard repayment plan. I emailed Navient about this and received a response in XX/XX/2018 that the capitalized interest is unable to be removed and " there was a gap in your enrollement in the Income-Based Repayment Plan and this caused the accrued interest to capitalize ... '' I called to speak with a customer service representative today ( XX/XX/2018 ), and she insisted that the interest capitalized because I left the 6 months forbearance. I informed her that this is an excessive amount of interest for 6 months of forbearance and I've never had an issue like this coming out of other forbearance periods. She said it's in the terms that they are allowed to capitalize interest, and I agree that the interest that accrues over the time of the forebearance period may be capitalized. However, capitalizing the entire amount of interest that accrues over the life of the loan that is in the Income Based Repayment Plan is completely against the purpose of these repayment plans. Despite reiterating I have in writing that the interest was capitalized because of the gap in the Income Based Plan ( which was their fault ) and that $ XXXX in interest is excessive for 6 months of forbearance, she insisted that was in accordance with the forbearance terms. Now I have conflicting excuses from Navient on this capitalized interest, a higher payment amount, and even more interest accruing on this capitalized interest. If they can kick me out of my Income Based Plan and capitalize interest on a whim, I'm also worried they may restart my number of payments under the plan on a whim as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. EXPERIAN : XXXX   XXXX/XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX-XXXX  XXXX # XXXX {$2500.00} XXXX/XXXX # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX  XXXX  # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00}
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX my social security number is XXXX the reason for this complaint is that I have been a member of fifth third since XX/XX/XXXX of XXXX I open up a savings account and a basic checking account I set up bill pay for items to be automatically paid out of my checking account. XX/XX/XXXX I graduated from a basic to an essential checking account based upon good account activity The problem comes in where fifth third Bank risk Management department decided to restrict my account XX/XX/XXXX of XXXX and later closed my account 60 days after that date There has been a domino effect of problems that have occurred because of the restriction to my account there were checks still going out for my account that needed to be stopped but I could not because I had no authority to do so my own account I contacted the corporate office of fifth third Bank and my contact person was XXXX XXXX and her supervisor pet which is a compliance officer with regulations I have had broken promises wife both XXXX XXXX and other individuals in the fifth third Bank family andthere 's still no resolution to my problem and the past 70 days I have contacted fifth third Bank numerous times for Domino affecting things that happened because of account my account was restricted the two checks that was going out automatically by bill pay was not stop there for the entities try to cash the checks which there was nsf 's and late fees that they require me to pay I am for the corporate office numerous times about the issue of me not having control over these checks going out I have asked numerous times could they give me a better reason other than account activity so I will know how to not do whatever it was that I did to put me in this predicament and there's still no resolution as of yet till this day
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my FactorTrust consumer credit report sent to me via mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent challenges I have faced in attempting to remove fraudulent items from my credit file with your credit bureau. Despite my numerous and diligent attempts to rectify this situation, the fraudulent entries continue to negatively impact my creditworthiness. 

I have made multiple attempts to dispute and remove these fraudulent items by following the procedures outlined by your organization. However, it is with great disappointment that I must convey my dissatisfaction with the lack of progress in resolving this matter. The continued presence of fraudulent items on my credit report is not only causing me significant stress but also affecting my financial standing. 

Attached to this letter, you will find copies of the documentation supporting my claims, including fraud alert requests, dispute letters, and any other relevant communication. These documents include reference numbers, dates of communication, and any additional evidence that may aid in the swift resolution of this issue. 

I understand the importance of accurate credit reporting and the potential consequences of fraudulent entries on my credit file. Therefore, I request that you conduct an immediate and thorough investigation into this matter. I insist on the removal of the fraudulent items from my credit report and seek a detailed explanation of the circumstances that have led to their persistent presence. 

Furthermore, I seek your assurance that steps will be taken to prevent the recurrence of such issues in the future. It is crucial for the integrity of the credit reporting system and for the fair treatment of consumers that fraudulent items are promptly and decisively addressed. 

If this matter is not resolved to my satisfaction within a reasonable timeframe, I may be left with no choice but to escalate my complaint to relevant regulatory authorities and explore legal avenues to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX FTC XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX. 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit card or prepaid card

I received a flyer from a company with a {$100.00} off offer. I purchased it with my PayPal Credit card ( Synchrony Bank ) to take advantage of a 6-month no interest promotion, and did not get my {$100.00} credit upon checkout from the vendor.

I received the device, and the credit card statement for the full amount. I contacted the original company who agreed the offer was misleading, but would not give me the {$100.00} credit. So, I opened a claim with PayPal Credit and provided a screenshot of the email, and the flyer I received.

PayPal Credit removed the charge while they investigated. Someone at PayPal Credit closed my claim because they thought I was disputing receipt of the device, not the amount billed. PayPal Credit then moved that balance from my PayPal Credit card to my regular PayPal account who now wants the payment in full.

I have called both regular PayPal and PayPal Credit, and they both say that the balance can't be moved back - claiming that they are two different companies. If this were true, then PayPal Credit would not have been able to transfer that balance back to regular PayPal.
Product: Credit card or prepaid card

I applied for American Express Delta Skymiles credit card back in XX/XX/2020. Firstly I used Amex offer letter with offer code to apply for the card, the application got approved. But shortly after the approval, I found the offer letter showed the first year annual fee is not waived at the very bottom of the offer letter in quite small font size under terms and conditions, which is not the normal case for this product, so I cancelled my application right away at the same day or one day later. I called Amex customer service to complain about it and wanted to apply for Amex Delta Skymiles credit card which waives the first year annual fee. I was aware of the Amex credit card reward policy, they do not pay the customers reward if they have the same card before, so I explained to the customer service my situation and asked him if I was still eligible for the welcome reward, which is 60,000 bonus miles with purchase of {$2000.00} in first 3 months. The customer service representative told me I could still get the reward in my case so I went ahead to apply for the card. Now it is XXXX but I still do not receive the reward. I tried to call Amex customer service more than 10 times to resolve my case but they always told me my first application was approved, I already got the same card so I could not receive the reward. However, I cancelled my application right away at the first time I applied for the card, I never received the card from Amex, never spent money on the first card and never received welcome reward on the same card from Amex before. Moreover, I did call Amex customer service to double-check if I could get a welcome reward, but it looks like Amex is ambiguous about tracing back the phone call I had with their customer service back in XXXX. Every time I called Amex they just raised a ticket for me and let me wait for 7-10 business days to follow up but every time they just declined my complaint. There was only one time a senior employee from Amex customer service agreed to send me 10,000 miles on my account, but I should get 60,000 miles in total. I do hope my case can be solved asap since it is quite frustrating to call Amex over and over again, explain to them my case every time but always get disacpponting result.
Product: Credit card or prepaid card

Payed my bill in full XX/XX/XXXX and Capital One is charging me a {$35.00} fee for interest for XX/XX/XXXX. I called and talked to a manger and he said they were charging interest on past charges. There were no charges for XX/XX/XXXX through XX/XX/XXXX. To That should not equal {$35.00}. I intend to close my account.
Product: Debt collection

I contacted XXXX apartments in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.
Product: Debt collection

I had no idea about this debt and lately I received a letter from this law firm. I checked on XXXX about this law firm and all I see is bad information. I contacted them for the first time and the lady who answered the phone was rude, she wanted me to pay over the phone and due to the bad information about them, I decided to pay part of the debt online. After I paid, about 15 days later, I checked my credit report and it was showing that I owe the same amount, they didn't deduct what I paid ( one third of the debt ). I filed a dispute at XXXX  and one month later I got the results, the reported that I owe the same amount, not deducting what I paid. I contacted them today and the guy " XXXX  '' was rude, said that I don't know what a dispute is, also said he is not going to send any information to XXXX. I tried to find an email address to this collection company and there is no contact information. I tried to prove to XXXX  that I paid part of the debt, they said there is nothing they can do. Is this what a Citizen has to go through? Where is the Law???? Where is the Justice?