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

Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o XXXX This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation.

Failure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA.

Negligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse. 
Demand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information. 
I require the correction or deletion of any inaccurate or unverifiable information from my credit file. 
I request a full and detailed report of your investigation and the steps taken to resolve this matter. 

This letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law. 
Please respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.
Product: Checking or savings account

I have been filing my paperwork that proves I am the lineal heir to the XXXX XXXX. I just informed the military contact at XXXX via email. I have also put the entire legislative body of the Hawaii legislature on notice. Bank of Hawaii legal team requested my information and it was provided and then I was ignored. As the lineal heir, I enacted our constitution of 1864 article 33-40 which provides me eminent domain over all Kingdom of Hawaii entities and that includes Bank of Hawaii whom was founded with XXXX XXXX  XXXX XXXX I want access to all my accounts and funds immediately provided to me. I want all ledgers. The tax map key for XXXX XXXX XXXX XXXX belongs to the XXXX XXXX. I created a federal EIN in my XXXX name XX/XX/2020. I was illegally evicted from my own lands by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

This is regarding " Target '' credit card on my credit report. It is 6 years & 9 months old already. It is exactly ( 3 ) months from falling off my credit report anyway. I have attempted contacting the credit bureaus as well as Target to get this resolved but without any success.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent letters to the credit bureaus about my ARS accounts that do not belong to me and the hospital did not bill the insurance company. These accounts belong to someone else and I have told them several times that I am not responsible for the balance. I have not received the original documents to verify that this account belongs to me.
Product: Credit card

I used a care credit card for a purchase at my Vets office. I agreed to the terms of XXXX months not XXXX months. The manager of the vets office called the credit card company and advised them she would make sure the terms were changed to the correct terms. I called the credit card department after XXXX weeks to find out why they have not been changed. Then they claim she had to do something on her end to fix it that 's why its not done. I was told I didnt need to worry about it. It was on their end that they saw the notes where she called in to okay it and it would be another XXXX weeks to fix it. A week later I get a letter and I am told it wo n't be changed. I call today and now they clam the office manager never called and made the change even know I know she did because I was on the phone with her when she did on a XXXX way call. I believe care credit is trying defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX
Product: Credit card or prepaid card

I had a Chase Freedom Unlimited credit card for years and have used this card just occasionally ( i.e. at most a few XXXX dollars per year in the fast few years ). However in XX/XX/XXXX, my friend mentioned to me that the Chase freedom Unlimited Credit Card will have 5 % Cash Back if using XXXX as the payment. I never paid attention to this promotion and was concerned that the credit card I have will not qualify the promotion for cash back. For safety purpose, I would like to call the phone number at my credit card to confirm that I am eligible for this promotion. I called right away and was confirmed that the Chase Freedom Unlimited Credit Card was having the 5 % promotion using paypal at checkout and this promotion would expired on XXXX XXXX, XXXX. I am very excited to get the confirmation and started to use this credit card for the remaining rest of the year, XXXX XXXX XXXX XXXX. I spent $ XXXX $ XXXX {$3700.00} in total. I was expecting 5 % cash back of {$180.00} however I found the cash back shown in my card is only 1.5 % at {$56.00}. 
I felt confused and called Chase again for the clarification. The 1st lady who talked to me said it's 5 % Cash Back. But she was confused also after I asked her to check out my account for cashback. Then she asked XXXX, her supervisor, to contact me on XXXX XXXX, XXXX and XXXX told me that my credit card does not qualify for the 5 % promotion cashback. I asked her why chase representatives confirmed with me that my card is eligible for the promotion? XXXX told me it's my responsibility to know that my credit card did not have the quarter promotion and I should not account on the Chase representative 's word. I am confused and it looks like that XXXX believed that the representatives told customers useless information, not professional at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your claim that it is not me submitted the complaints to CFPB and despite it was just closed requiring authorization although I have submitted my ID and Social Security ID to certify that it was me submitted the disputes. Again, the below items are highly injurious to my credit rating so they must be erase from there in no time.I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account number 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: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C.1681 section 602- i have a right to privacy.

15 U.S.C. 1681 section 604A section 2- allows the credit reporting agency to furnish consumer. reports in accord with the written instructions of the consumer to whom it relates.

15U.S.C.1666B- a creditor may not treat a payment on a consumer credit plan as a credit card open-end
Product: Student loan

Prior to the creation of the new SAVE repayment plan, my loans were on the PAYE income-driven repayment plan. I saw the alert that I should apply for my loans to be switched to the new SAVE plan so I went through the process on the website of my servicer, Mohela. It directed me to apply for SAVE through my account on XXXX. I did so and the status on XXXX correctly stated that I had applied for SAVE. However, I just received a message today from Mohela that states my loans have all been switched over to the Level ( standard ) repayment plan and that I owe over {$1600.00} a month, after previously owing {$0.00}. I looked online for answers and it appears many other borrowers are experiencing the same issue with Mohela and no one has found any resolution with them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in smart credit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXX  I believe it was reported in error. 
XXXX XXXXXXXX Balance Owed : XXXX
Product: Credit card

My account was wrongfully closed in XXXX after AMEX misapplied a payment to the paid-over-time balance rather than the intended payment for the statement period. On XXXX XX/XX/XXXX AMEX offered to have the platinum account reinstated once the balance was reduced to zero ( XXXX ). Quoting AMEX XXXX XX/XX/XXXX response to XXXX, " we explained that we spoke to you on XX/XX/XXXX and offered a guaranteed reinstatement of your XXXX XXXX ending in XXXX with a limit of $ [ x, xxx.xx ] once the balance on your accounts are brought to {$0.00}. '' On XXXX XX/XX/XXXX XXXX XXXX provided the AMEX response to CFPB complaint XXXX & XXXX, in part writing " Our prior response to your previous complaint filed with the CFPB, reference number XXXX, advised that we authorized the prior agency handling your account to offer on opportunity to regain Card Membership by applying for the XXXX Card after your balance was paid in full. It is important to know, this offer did not involve reinstatement of the specific account as referenced in your correspondence [ platinum card ]. '' AMEX engaged in a bait-and-switch as the market conditions changed. As The economic environment changed during the pandemic AMEX began targeting individuals and engaging in acts or practices that would reduce their overall risk exposure by any means necessary. That is, AMEX has engaged in unlawful, unfair, deceptive, and abusive acts and practices that targeted me as a consumer after I'd disclosed my afflictions with XXXX, and XXXX They engaged in these practices with my account, withholding statements, forcing payment through alternative websites, until they were able to find a mechanism to allegedly charge-off the account on XXXX XX/XX/XXXX. And, since that time they have continuously reported false/misleading/inaccurate/incomplete information for the account to the CRAs which continues to affect me as a consumer in XXXX. In nearly XXXX ( XXXX ) years they have created payment history on the account that does not exist, and supplied a Date of First Delinquency that is causally impossible because the reported DoFD is reported as a date in XX/XX/XXXX and/or XX/XX/XXXX and/or XX/XX/XXXX. The DoFD itself must PRECEDE a C/O. AMEX handling of my account has been bizarre and shows a pattern of acts or practices that are explicitly forbidden under law.
Product: Credit card or prepaid card

A charge from a XXXX ( XXXX ) on my Capital One Mastercard was processed on XX/XX/2022 when the account/ charge/ services should have been cancelled. Capital One sent an email on XX/XX/2022 at XXXX confirming the dispute. The email did not request any additional information from me. On XX/XX/2022 Capital One sent an email with a link to an updated document stating " ... We'll let you know if we need you to provide additional information to resolve your claim ... '' On XX/XX/2022 at XXXX Capital One sent an email stating that the dispute was denied. Capital One never asked for additional information. On XX/XX/2022 Capital One sent a link for me to upload additional documentation, this is the first time a request was made for additional documentation, and the request was made after I called Capital One and requested a process for sending additional documentation. I followed the link and sent a letter from the XXXX " XXXX '' requesting that the refund of the charge {$1900.00} be credited by to my Capital One Mastercard account. Additionally, the letter originally sent requested that I hold onto any documentation for at least 90 days. " XXXX '', the XXXX XXXX sent the letter requesting Capital One refund the charge on XX/XX/2022 well within the 90 days requested to hold onto documentation.
Product: Credit reporting or other personal consumer reports

Reported to credit reporting agencies that they are reporting an inaccurate bankruptcy I dont have a bankruptcy they reporting someone Information on my credit report with similar names and its not me and they keep trying to say they verified information is accurate but its not, address and name are not the same and they trying to send me letters asking if I would send the a copy of my Id if they say its verified that mean they should know all the information and addresses all if it suppose to be verified and accurate and its not
Product: Debt collection

American Express left 8 voicemails on my work number from XX/XX/XXXX-XX/XX/XXXX asking for someone that is not ME. On XX/XX/XXXX, I called them and told them I was not the person they were looking for. They agreed to remove my phone number and said it would take 24 hours. On XX/XX/XXXX they called me AGAIN asking for someone that was not me. I asked them AGAIN to remove my phone number from their system.
Product: Checking or savings account

My cashapp was hacked and funds were taken without my authorization from my chase bank, after fileing a dispute with chase, they decided to let the theif keep my money bringing my balance negative completely stealing from me.
Product: Mortgage

XXXX has another ridiculous excuse not to do the modification on my loan. The first go around they were going to use gross income, actually gross is what they asked for on the application, but now they are not. They will only use {$400.00} out of {$1300.00} of my mothers Social Security. The reason is my mother must have prescription drugs she has to pay for on a monthly basis. True, she pays {$15.00} a month for her XXXX prescriptions, because she has prescription coverage with her Social Security. This is no reason not to use the full amount of income or at least the {$1200.00} my mother contributes monthly to our household. They only add just enough of my mothers income to keep the ratio over the percent needed to modify. They have tried everything including mistakes, not to do the modification of this overinflated loan and their added high-interest rate. Now they are moving forward to foreclosure and proceed with the sale. I sense some " age discrimination, '' or they are XXXX and can plan my mothers XXXX because XXXX said my mothers income is not secure. Well, my mothers Grandmother lived to a young secure age of XXXX.
Product: Debt collection

A collection letter was sent to my daughter who is a minor.I called the company to explain to them that she was minor and she should not have a collection account. They told me that they could not discuss he account with me because I was not the person on the letter. They inquired as to who I was and I gave them my name. The next month, I started receiving letters trying to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my Equifax, XXXX, and XXXX Report. This account is paid and closed. Please update status on my credit report. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. I expect transparency, reliability, and prompt action in addressing such matters. 
However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud 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 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

I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX  XXXX and XXXX which is XXXX XXXX XXXX XXXX XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX  and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Product: Credit reporting or other personal consumer reports

I spoke with 700 credit experts about credit repair and fixing my credit. They gave a 90 day warranty to bring my scores up and get items removed. I have paid them for one month and want to get out of my so called contract because they have brought my scores down tremendously and not removed the items in question.