23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX Account Number Num : Balance {$640.00} Dear Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

My payment of {$210.00} is due on the XXXX of every month so I make my payment for the next month just following my payment due date. As an example, I paid {$300.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$200.00} went to principle and {$97.00} went to interest. On XX/XX/XXXX I paid {$250.00} to cover my XX/XX/XXXX payment. {$190.00} went to principle and {$56.00} went to interest. I saw that after the payment was posted Upgrade was showing that I still had a payment due for {$210.00}. I contacted Upgrade and they went through my payment history and agreed that I should not have a payment auto deducted from my checking account on XX/XX/XXXX. The rep tried but was not helpful at all and said it was a system glitch. I then sent an email to Upgrade ( below ) and responded back that a notation on the account was not acceptable. On XX/XX/XXXX my checking account was debited for {$210.00}. {$140.00} went to principle and {$71.00} went to interest. So, I made XXXX payments towards my XXXX payment even though I paid it on XX/XX/XXXX. If that was the case then the full {$250.00} I paid on XX/XX/XXXX should have all gone to principle. 

At the end of the day, the system needs to recognize a payment and which due date it applies. Reps need to be trained appropriately, and customer support on email should know better than to blow off a customer by " notating the account ''. I responded back to that comment and never received a response. 


Upgrade Team ( Support ) XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX ( 12 days ago ) to me # # - Please type your reply above this line - # # Upgrade Team ( Upgrade , Inc. ) XX/XX/XXXX, XXXX AM XXXX XXXX XXXX, Thank you for choosing Upgrade! 

We will notate the information you provided in your account. 
If you have additional questions, we invite you to review our Frequently Asked Questions in our Help Center or contact us by calling our toll-free line at ( XXXX ) XXXX, Monday-Friday, XXXX, Saturday and Sunday XXXX Pacific Time. 

Thank you, The Upgrade Team
Product: Credit reporting or other personal consumer reports

Accounts are showing late when They were NEVER late. 

XXXX XXXX SHOULD SHOW NO LATE PAYMENT XXXX  XXXX SHOULD SHOW ( PAID ) NOT ( CLOSED ). LAST REPORTED XX/XX/XXXX XXXX  XXXX SHOULD SHOW ( PAID ) NOT ( CLOSED ). LAST REPORTED XX/XX/XXXX XXXX XXXX SHOULD SHOW PAID NOT CLOSED. LAST REPORTED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

My complaint is with the company 's methods of determining credit ratings, which can severely adversely affect the consumer 's financial situation. It uses limited information and does not take into account the full picture of one 's financial status. 

In my case, I'm carrying large balances on several credit cards, but they are XXXX XXXX interest cards, due in XXXX months. However, I also have savings of approximately {$310000.00} at XXXX XXXX XXXX XXXX XXXX interest. The interest generated will be sufficient to pay off those cards at their due dates. Even a person of much greater net worth would receive a poor credit rating based on XXXX 's flawed metrics. 

Consumers are given XXXX XXXX interest cards, then " penalized '' by the credit rating agencies for utilizing them.
Product: Debt collection

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Capital One Auto and Capital One is a inaccurate account on my credit file and is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Took out a loan with Ally Auto Financial XX/XX/XXXX : {$24000.00} -- -- loan amount XX/XX/XXXX : monthly payment @ {$460.00} via ACH XX/XX/XXXX : payoff printed, paid {$23000.00} via ACH payoff from Ally web portal XX/XX/XXXX loan paid in full Called after 60 days for Title- XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Called Ally, no Title keep waiting XX/XX/XXXX : Where in the world is the Title for this car. No one knows, never sent, never processed. So everyone else lied to me? The loan was fulfilled, debt paid. Where is the Title for this vehicle and it should not be this difficult. 

This is fraudulent. To hold the Title hostage for almost a year and every single representative has told me- keep waiting only to find out that it's never been processed. No solution, no one at Ally cares or can help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information in my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies in my report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX account XXXX I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your agency, and I have identified [ specific account name or number ] as being inaccurately reported as a charge-off. 
Supporting Documentation : I have attached a copy of my credit reports from Experian, XXXX and XXXX. 

The CFPB lawsuit against your company highlighted several systemic issues that align with my experience, including : Failure to forward consumer-submitted documentation to furnishers. 
Use of inaccurate or generic dispute codes, leading to miscommunication with furnishers.

Reliance on inaccurate responses from furnishers without further investigation. 
These practices raise serious concerns about the integrity of the dispute resolution process. I demand that you : 1. Conduct a reasonable reinvestigation of the disputed item, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. Forward all relevant information and my supporting documentation to the furnisher of the information, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). 
XXXX. Provide me with clear, written notice of the reinvestigation results, including specific details of any changes made to my report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

Additionally, I request that you provide me with a corrected credit report once the errors have been resolved.

If you fail to address this dispute properly, I will escalate the matter to the CFPB and may explore further legal action.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX [ Ph # ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called Equifax 4 days in a row because they will not remove the freeze on my account. They say they have two freezes and that the company I applied for a loan should use my old address.

I have advised them of my new address all four times. And to no Avail. I would like to have this freeze off my account altogether because it is hurting me more than helping me. 

The last reference number I received was XXXX. I have four other numbers they gave me for the same thing. This makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX, 2021 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on 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 ( original creditor : XXXX )
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The list of Accounts has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 Account Name : XXXX Account number : XXXX ; XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Account Collection 15 U.S.C. 1681 Section 602 States I have the right to Privacy 15U.S.C. 1681 Section 604 A Section 2 It also, states a consumer reporting agency can not furnish an account without my written instructions. 
15U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all items ASAP
Product: Credit card or prepaid card

I have been a valued customer of Citibank for almost 10 years. I was shocked when they has closed my account without my permission. Citi claimed in their form letter dated XXXX XXXX, 2021 that my account was closed because of a returned or late payment. In my my call and my letter to Citi on XXXX XXXX, 2021, I explained to Citi that I was not late in paying the full amount of my bill, and that if they chose to close my account, I should not be responsible for the full membership fee. On XXXX XXXX, 2021, Citi reversed some late fees and interest, however they claimed I was not eligible for a credit on the membership fee. I have received collection calls for the unpaid balance of my account which consisted solely of a membership fee which I disputed. After placing numerous phone calls with any resolution, I decided to write another letter to Citi on XXXX XXXX, 2021 offering XXXX settlement proposals. I have not received a reply to this letter, and I continue to receive collection calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client with XXXX XXXX Bank for many many years. They do not offer any kind of auto pay, they charge their " annual '' fee monthly, they don't ever send bills/statements/emails/or texts regarding payment due which makes it hard to figure out what is due and when it is due without constantly checking their site. I have notified them via phone and email numerous times of the issues I have had with no getting bills/statements/tect alerts or anything to tell me a payment is due and when. I almost never use this card but since its one of my oldest cards I keep it open per a lender recommendation. However, that one 8 dollar monthly fee keeps turning into late fees at the result of their system which I feel is designed to snag people into late fee traps. I have signed up for their statements/text alerts, etc to NEVER get them. I will however, magically get an alert that I am late but only after the late fee has been placed on my account. I think this is shady practices and an effort to constantly make more from people by changing them late fees on a system that doesn't allow auto pay, doesn't send bills ( email or mail ), and doesn't send out alerts even when signed up for. It is affecting my credit by their dirty practices and I can't be the only person who is having this issues.
Product: Credit card or prepaid card

I have a AMEX XXXX card which had a small balance of around {$4000.00}. 

During some software update pushed to me by AMEX all of my payment notifications were turned off. 

I have never turned any of my payment notifications off in prior 4-5 years, ever. 

I explained what happened to AMEX and at first they attempted to say it was I who turned off the notifications. I proved that I use biometrics to login so only I or they could have changed it. I also said that I believe one of their software updates, may have been the culprit but either way I was not responsible for any changes to my notifications and therefore should not be charged any fees or penalized. 

I believe being caught they then magically removed the late penalties. 

They then froze the rest of my accounts that are either XXXX or current out of vindictiveness. 

I spent 14 hours of text messaging with numerous folks and finally got a person who agreed to upon full Platinum card payment balance all my accounts would be restored to their original status. 

Amex agreed. 

Also to remove any current or future penalties, credit report issues ( which they threatened me via email. ) Amex agreed. 

Upon payment the other unrelated accounts were restored, the platinum account still had a late payment notice although a XXXX balance. 

I text to them please restore my account per our agreement last night it still has a late payment notice although it is $ {$0.00}. 

Then he asks a curious question, " what do your future spending plans for this? '' I said, '' I don't know and I don't want to deal with this now I just want the account restored to its original state per our agreement last night. '' The the amex messaging app died again ( you have to constantly refresh Amex 's messaging app or your will miss parts of your message stream ) The only part I initially saw was " Great everything has been fully restored, your message should go away in about 1-2 days '' The part I didn't see is where doing the messaging app refresh the guy arbitrarily sets my limit to XXXX although I told him no and that that wasn't part of our agreement. 

Luckily, a few minutes later I went back through the full messages where he changed it right after I told him no. 

I go back to the messaging app and tell them that that guy arbitrarily set an amount from his head even after I told him no and that that was not a part of our agreement. 

They've been paid in full and I want my credit restored to it's original form as per our agreement. 

Unbeknownst to them I have documented all of this, and can prove every point, including now that AMEX does make unilateral decisions about peoples credit and account without their permission or in this case when they are told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute letters to Experian, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern regarding a significant issue I have encountered with the credit reporting system. After reviewing my credit reports from all three major credit reporting agencies, XXXX, XXXX, and XXXX, I have noticed a substantial inconsistency in the findings and information they have reported. 

It has come to my attention that certain accounts and transactions, which are accurately reflected on XXXX credit report, are incorrectly represented on the reports from the other agencies. This inconsistency has raised doubts about the accuracy and reliability of the credit reporting process, as it appears that discrepancies exist among the reports issued by the different agencies. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions and maintain my creditworthiness. The inconsistencies among the reports from the different agencies create confusion and uncertainty about my true credit standing. This situation not only affects my financial stability but also undermines the integrity of the credit reporting system as a whole. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary actions to ensure that all three major credit reporting agencies provide consistent and accurate information in their reports. Consumers should be able to trust that the information presented to them is reliable and reflective of their financial history. 

I believe that addressing this issue is crucial for maintaining transparency and fairness in the credit reporting industry. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and consideration. 

XXXX XXXX
Product: Debt collection

I quit my health club, XXXX, in XXXX, CA around XX/XX/XXXX after a phone call from their accountant telling me I had not renewed on time. They were very unpleasant about it and I had to hang up to end the call. The woman claimed I owed them since XXXX XXXX. I had last paid for a {$100.00} extra XXXX XXXX class in XXXX XXXX that I had not use due to injury. Nobody had ever told me I was due for another payment. I thought I was about up for renewal and was going to negotiate with them about the unused XXXX classes. 

No bill was ever submitted to me for any amount. 

I began receiving calls from Seas & Associates shortly after. I explained and the way they talked it seemed they were aware there had never been a bill submitted. The rep acted like she was trying to trap me into saying I owed something. I hung up. 

Seas & Associates has robocalled me since several times a week. I blocked them, but get the robo-call voice mails. I now received a letter with a bill for {$390.00}. The letter says that failure to respond within 30 days of their date, XXXX XXXX, XXXX, will mean that I acknowledge the bill to be legitimate. 

There never was a bill presented to me by XXXX. There is no debt.
Product: Credit reporting or other personal consumer reports

According to the IRS canceled debt ( charge off ) is gross or ordinary income. Income does not get reported on your consumer report According TO 15 USC 1681E ( B ).