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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Dear CFPB Team, I am writing to formally dispute the accuracy of information reported on my credit report by Experian and XXXX, specifically regarding charged-off/closed accounts with the following institutions : XXXX XXXX XXXX  Account Number : XXXX Possible Finance Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX These accounts are carrying inaccurate balances and negatively affecting my credit profile. I believe that these inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, particularly 15 U.S.C. 1681, credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information being reported. Likewise, the FDCPA mandates that debt collectors provide accurate information regarding debts and conduct themselves in a way that is not misleading to consumers. The failure to accurately report the status and balance of these accounts constitutes a violation of these laws.

Additionally, I assert that proper disclosures required to validate these debts have not been provided to me. The FDCPA requires that debt collectors send consumers written notifications that accurately detail the nature of the debt, including the amount owed and the creditor 's name. Without this information, I am unable to validate the legitimacy of the debts in question. 

Furthermore, I would like to refer to the current lawsuits against Experian regarding their failure to investigate disputes appropriately submitted by consumers. This has raised significant concerns about their compliance with regulatory standards, and as a consumer, I deserve accurate information regarding my credit report. 

Additionally, I am a victim of the data breach involving XXXX and have been adversely affected by the mismanagement of sensitive information. The protection of consumer data is paramount, and the inaccuracies on my credit report further exacerbate this issue. 

In light of these concerns, I respectfully request that you : Conduct a thorough reinvestigation of the charged-off accounts listed above and correct any inaccuracies. 

Provide me with the necessary disclosures that confirm the validity of the debts involved. 
Inform me of the findings of your reinvestigation within the 15-day timeframe stipulated by the FCRA. 

I appreciate your immediate attention to this matter. Ensuring accurate reporting is vital to maintaining the integrity of consumer credit, and I trust that my concerns will be addressed with the seriousness they deserve. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect Personal information on my credit report.
Product: Credit card or prepaid card

On XXXX XXXX, 2018, I applied for the American Express Gold Delta SkyMiles credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service - they confirmed I was on track to receive the bonus miles. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse '' but keep refusing to issue me the bonus miles after I have met the posted requirements. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market.

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually NOT eligible AFTER they have met the requirements. I don't know if Amex is doing this on purpose. If they are, it looks 100 % fraud to me.

From the referral link I received from my friend, Amex posted I would receive XXXX Delta SkyMiles after I spent {$3000.00} in the first four months. I have not received any of these mile so far - I have went far beyond the spending requirement.
Product: Debt collection

They call more than 5 times a day. They never leave a message. 

They have also called my stepdad and left a message with him, he is not the person I put on my application.
Product: Checking or savings account

On XX/XX/22 I used my bank card to rent a car while in XXXX XXXX. There was a deposit hold of {$250.00} and the total charge was {$220.00} for a total hold initially of {$460.00}. When I returned home on XX/XX/22 my account balance was showing a negative balance due to the holds. On XX/XX/22 I reviewed my balance which showed a negative balance of {$180.00}. I contacted the customer service number and was advised to make a cash deposit at a Bank ATM to return the balance to a positive which would relieve some of the Overdraft charges and prevent new ones. When I returned to the states I updated my address to XXXX, GA from XXXX, TN. I had to travel over 200 miles + round trip to get to a US Bank ATM to make a deposit. I was advised to speak to a supervisor regarding refunding the overdraft charges. On XX/XX/22 I contacted the customer service team again after seeing the Rental Car transaction had now appeared again in the account which forced the balance into a negative again. This situation was very alarming as I was not made aware of it the day prior when I spoke with the Customer Service team. The supervisor waffled around about what happened and wasn't able to give confident support of the issue. He eventually referred me to the bank branch in XXXX. I called the bank branch and was advised that if it was a merchant error with posting or a bank error then all of the fees could be reversed. I would have to reach back out to the Customer Service number. I called back and was routed to the disputes department. I advised as best I could of all the information and misinformation I had been provided over the last 18 hours or so. Eventually the agent I spoke with advised they could reverse XXXX of the overdraft charges. There had been XXXX overdraft charges on my account in the past week which is well above and beyond what is to be expected. I also removed the overdraft protection from my account in an attempt to prevent future occurrences like this that appeared to be prompted by some merchant or banking error connected with the rental car payment. I will also no longer be using the bank card for that kind of purchase after this series of events. At minimum, I would like for US Bank to review the scenario and provide a reimbursement of the other overdraft fees that were assessed on the account not only due to the posting error with Routes Rental Car but also due to the stress this has caused and the undue burden of having to travel XXXX miles round trip to deposit cash into the account at the instruction of the customer service team only to be advised the following day that the deposit wouldn't post until the following day and therefore it would not prevent any additional overdrafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. recently disclosed that its systems were struck by a cyberattack that may have affected the credit information of 143 million US customers. It was announced that intruders accessed social security numbers, birth dates, names, addresses and driver 's licence numbers. Equifax also provided an online website for customers to check if they are affected. Based on the information provided there, I was told that I may be among the affected customers whose information was improperly accessed by the intruders.
Product: Student loan

I have been going back and forth with Navinet about the loan modification that was agreed upon with the XXXX loan. I was supposed to receive a discount on the loan at a 71 % discount, and a 2 % rate once XXXX transferred the XXXX loans bought by Navient were transferred over. 

I filed a complaint and received a reply that they were waiting on my modification agreement to be signed. 

It was signed and sent over. It has not been implemented. The correct loan amount was corrected for the original balance before interest was added and forwarded to the bankruptcy litigation unit. 

Nothing has been corrected and now they are reporting the payments late to the credit bureau which needs to be adjusted to show current and not late, because the modification has not been implemented.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/year> Consumer Financial Protection Bureau Re : Complaint Against Credit Collection Services for Improper Debt Collection Practices Dear XXXX, I am writing to file a formal complaint regarding the debt collection practices of Credit Collection Services ( CCS ) , acting on behalf of XXXX XXXX  XXXX which involves an unresolved and disputed service installation charge. 

Detailed Chronology of Events : 1. In XXXX, I initiated internet service with XXXX XXXX. 
2. During the first installation attempt, the installer could not locate the street connection. He left my home after 1 hour.

3. A second installation was scheduled with a four-hour arrival window.

4. The installer arrived one hour after the scheduled window.

5. During the installation process, the installer disappeared for 30 minutes.

6. Due to a lack of confidence in the provisioning effort, I asked the installer to leave without installing my service. I was no longer comfortable with the company.

- No internet line was installed - No equipment was left at my property Subsequent Interactions : 1. I contacted XXXX XXXX Customer Service, who confirmed they would cancel the service and advised me not to pay the initial bill. 
2. Despite this, I continued to receive bills from XXXX. 
3. A collection notice was sent by Credit Collection Services ( CCS ). 

Problematic Debt Collection Practices : 1. CCS initially entered a dispute into their system but never followed up.

2. When I called back, CCS claimed the collection was no longer in dispute.

3. CCS stated XXXX confirmed the charges were legitimate but provided no substantive proof. 
4. When I requested information about potential credit reporting, CCS refused to disclose when they might report to credit agencies.

I kindly request that your agency : - Invest
igate the legitimacy of this collection effort - Require CCS to provide concrete proof of service installation - Ensure CCS does not negatively impact my credit report without substantial evidence- Compel CCS to cease collection efforts until Frontier can definitively prove service was rendered I am willing to provide any additional documentation to support my claim that no service was ever installed or completed at my property. 

Sincerely, XXXX XXXX XXXX : Attorney General State of Florida Consumer Complaints Federal Trade Commission Federal Communications Commission
Product: Bank account or service

My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.
Product: Credit reporting

TransUnion did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX Also, all XXXX accounts have the " SAME NUMBER '' Please Remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

they applied to a capital one credit card in my name, but this product, I already have it. but appears on XXXX  with an amount of {$380.00}
Product: Debt collection

After pulling my XXXX XXXX report, I seen a debt on my report that does not belong to me. The amount owed is {$980.00}. The account was placed into collections on XX/XX/2017. I have a current account with XXXX that is paid for every month and had no knowledge of a second account being open in my name. I have called and explained the situation to many associates to no avail. This debt is not mine and I do not owe this. This false information on my credit is stopping me from being able to purchase a house and car for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.
Product: Money transfer, virtual currency, or money service

I was contacted by what I thought was a company in XXXX ( XXXX XXXX XXXX ) about a job. The were getting into the US market and needed a XXXX XXXX XXXX. I contacted my CC company as well as XXXX. I was assured by both I would be secure. My CC company told me once I saw a credit into my account the payment could not be reversed. I made purchases for this company only after I saw a credit of {$2600.00}, I then sent the purchased product to the company, Florida and New York. I did this two times and 7 days after the 2nd purchase I saw the payment amount of {$2700.00} reversed because there were no funds in the account that originally made the payment. I immediately called my CC company and told them I was being scammed. I was told there was nothing I could do. I then asked if they had received the first payment and was told they had. I asked if I locked my account if there was any way the first payment could be reversed and was told no. I locked my account and requested to discuss this with a superior. There was none available and was told I would receive a call within 1 to 2 business days. That was XX/XX/XXXX and I received a call on XX/XX/XXXX and was told again repeatedly ( 7 people ) there was nothing they could do. The company called them and told them the withdrawals were being taken from a closed account. My CC company then sent them back the money even though I told them I was the one being scammed. All dates are on a document I uploaded. I thought I had done my due diligence. I plan to file a complaint against XXXX  XXXX XXXX also.
Product: Checking or savings account

Hi, I recently opened a checking account with XXXX  with a code attached to the account opening for a {$XXXX} bonus whenever I reached {$XXXX} in deposits to the account. I have now deposited more than {$XXXX} into the account and still havent received my {$XXXX} bonus. They have failed to reach back out to me after multiple phone calls and chat messages to their chat system. When I had finally gotten through to a rep, they told me the system was undergoing maintenance and to call back in 1 hour. When I called back, their system continued to say they couldnt connect me to a representative for my issue. I have tried to reach out by email too but no luck finding a credible email address. 

I also looked up this same issue on XXXX and hundreds of other people have failed to receive their {XXXX} bonus credit from the same offer. Apparently some XXXX reps had told people that too many people signed up with their {$XXXX} offer and they dont have the funds to pay everyone. 

Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

Settled the account with Jefferson Capital Systems and paid the agreed amountin exchange for the account to be listed as settled in full. After payment the account was never updated and continues to damage my credit worthiness. I reached out them again concerning this account and haven't gotten a response.
Product: Money transfer, virtual currency, or money service

I transferred {$2000.00} and {$1800.00} through XXXX Pay to XXXX XXXX for rent and depo at XXXX XXXX XXXX, XXXX CA XXXX. He is not the landlord/owner of the property. I never took possession and requested XXXX 4x get my money back and they refused. Executive complaint # XXXX. XXXX pay refused also to file a complaint. The Police Dept helped me fill out a report but the banks will not return my money. {$3800.00} is 1 1/2 times my monthly salary. I could not meet him in person prior to the transaction as I was moving from XXXX to XXXX. I would like to get my money returned to my account. 

My XXXX acct is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX information is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting negative credit report. 
Account has been closed but still showing as revolving account. 
Account was opened on XX/XX/2017 with no reporting date on when it was closed. 
Account shows that I have a XXXX balance on it, but I have no knowledge about this account. 
This account is reporting to my Experian Account as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a inquiry from a unknown company to show up on my credit report. I need them removed immediately.
Product: Debt collection

AmSher is collecting behalf of XXXX. However, the XXXX  account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). 

The LLC was closed and the XXXX was also closed. This remaining balance, XXXX claims, is inaccurate nor is it my PERSONAL responsibility to pay. AmSher has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by AmSher. AmSher also never attended to reach out to me prior to putting this on my credit reports.

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Product: Payday loan, title loan, or personal loan

bank is overcharging and changing the terms of the loan without a reason. bank has extended the amount i owe without any proof of logic. bank has failed to explain how they come up with the amount differences, bank has contradicted several times and failed several times to explain the how they have reached the new amount i owe. bank has failed to honor the 48 payments term bank has a over inflated pay off amount that they can not explain the mathematical logic. bank is over charging the interest rate that wast agreed on. bank failed to communicate properly or promptly about my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, Capitalone Bank : XXXX, XXXXCapitalone Bank XXXX XXXX, Capitalone bank/business account, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has yet to remove this account from my credit report. It has been deemed as fraud and incorrectly reported as it has inaccuracies, by both XXXX AND XXXX. I've contacted comenity bank and XXXX XXXX over the phone and they have basically changed the accounts number and balance multiple times as if that would be legal on anyones account. And they've told me due to this fraud account being in their system for at least 2 years, they cant manually remove it and i must reach out to the credit bureaus for removal. Which i did, Both XXXX and XXXX have removed it, only XXXX has been non-compliant and very unprofessional in regards to honoring my credit rights under FCRA. XXXX has taken it upon themselves to unlawfully report false information on my credit report and I'm going to file every possible complaint every where until they fix this error. 

XX/XX/2021 XXXX PACIFIC COAST TIME, ON A 41MIN PHONE CALL, I LAST SPOKE TO A LADY NAMED 'XXXX ' AT THE OHIO LOCATION OF COMENITYBANK/VICTORIA SECRET, SHE'S FROM THE INVESTIGATIONS DEPARTMENT. SHE TOLD ME WHAT I SAID ABOVE^
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX CT XXXX, KY XXXX XX/XX/2005, XXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00}, XXXX XXXX XXXXXXXX Balance : {$4300.00}