23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX U.S. Bank Customer Service XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Complaint Regarding Negative Credit Report Due to Natural Disaster Assistance Program Dear U.S. Bank Customer Service Team, I am writing to formally express my concern and disappointment regarding a negative impact on my credit report following my participation in U.S. Banks mortgage payment assistance program, which was offered to those affected by Hurricane Ian. As a loyal customer with a previously excellent credit history, I am frustrated with the miscommunication and lack of transparency around this program, which has had significant consequences on my financial well-being. 

On XX/XX/XXXX, shortly after Hurricane Ian devastated XXXX XXXX, I contacted U.S. Bank to inquire about potential relief programs due to extensive damages my property suffered during this Category 5 hurricane. I was informed of a three-month payment pause program to assist customers impacted by natural disasters. However, I was not advised that participating in this program would result in negative reports to credit bureaus. Had I been fully informed of these consequences, I would have reconsidered my options. 

On or about XX/XX/XXXX, I discovered that my credit score had dropped drastically, from XXXX to XXXX, due to this assistance program. This unexpected decline in my credit score has created a lasting financial burden, as it affects my access to credit and raises costs on essential financing. 

Upon contacting U.S. Bank to discuss the issue, I was told by a representative that they were sorry I didnt get the full information. I find this response unsatisfactory, as it implies that the burden of understanding program limitations was on me, even though I relied on U.S. Banks guidance in a time of crisis. 

In light of the above, I request that U.S. Bank take the following actions : Amend my credit report to reflect that the payment pause was part of an assistance program and not a delinquency, in order to mitigate the severe impact on my credit score. 
Ensure clear communication for all future assistance programs, specifically detailing any potential impact on customers credit reports, so that others do not face similar issues. 
Provide confirmation of the steps taken to correct the reporting error on my account. 
I trust that U.S. Bank values its customers and understands the extraordinary circumstances that arise after natural disasters. I hope you will review this matter with urgency and compassion and take appropriate action to resolve my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response and to working together toward a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Bank account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Date XXXX Re : Last 4 digits of XXXX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report, I discovered unauthorized credit inquiries made by the following entities. 

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 card or prepaid card

Description of Complaint : Discover Card Payment Protection excessive charges to a retired senior. 

My name is XXXX XXXX ; Im submitting this complaint on behalf of my Sister, XXXX XXXX Several Months ago I noticed Lindas checking account was over drawn ; I started looking closer at my sisters finances. 

I noticed large credit card debt, {$24000.00} on her Discover Card, being the largest. 

Starting in XXXX her balance starting going up, a large part of the increased balance is the result of this payment protection Plan. From XXXX to XXXX discover card has charged her card for {$6300.00}, in fees related to this protection program. Interest charges of course went up as the balance increased. 

When I asked XXXX about this Payment protection and why she had it she didnt know she was paying for it or what it was for. 

When we called discover, in XXXX I was told she had been in the program since XXXX. I asked for a refund but was told all they could refund if the most recent payment. To help control expenses I told them cancel the protection plan and proved any refunds they can. I called back in XXXX requesting additional refund, they told me would look into it, but we never heard back. 


Documents : I have attached copy of fees charged for last few years, all I could get from the website..
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 usc1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1681a- definitions ; rules of construction- exclusion. - except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making report ; 15 usc 1666B : A creditor may not treat a payment on a credit account under and end consumer credit plan as late for purposes.
Product: Credit card

This is my second attempt to dispute this account. Per credit report dating XX/XX/year> the account # XXXX was removed and recognized as a fraudulent account. After reviewing my most recent consumer report on today XX/XX/year>, I noticed the account reappeared back on my consumer report. 
I am a victim of identity fraud and have filed an identity theft claim through the Federal Trade Commission. I have also filed a police report through my local sheriffs office to report the nature of the theft. My chase account was compromised when my vehicle was broken into and my personal items such as my cell phone and wallet were stolen. I immediately contacted my banking institutions to cancel all of my current credit and debit cards that could've been compromised. 
I have had several dialogues between the creditor J.P Morgan Chase Bank in reference to this account and they have the account under investigation and are working diligently with the local police to resolve this matter by identifying the theft.
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection agency is not responding to my letters to verify this debt and I have no idea where they got the balance that I owe from because it is wrong.
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation To Whom It May Concern, I am writing to you regarding an alleged debt associated with the account name : XXXX XXXX XXXX number XXXX. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I formally request validation of this debt.

To comply with this request, please provide me with the following information : 1. Documented proof that this debt belongs to me, including a signed contract or any binding agreement.

2. A detailed breakdown of the debt amount, including the principal balance, interest, and any additional fees.

3. Proof of your legal authority to collect this debt, including a copy of the assignment agreement or any documentation establishing your right to collect.

4. Identification of the original creditor, including their address and the date the alleged debt originated.

5. A record of any payments made ( if applicable ) and evidence that the debt is still legally enforceable.

Until you provide this information, under the FDCPA, you must cease all collection efforts and refrain from reporting this debt to any credit reporting agencies. If this debt has already been reported, I demand that you immediately remove any negative information from my credit report until proper validation is provided. 


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

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX My only Phone number is ( XXXX ) XXXX My only Employer : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of an apartment on XX/XX/XXXX because my neighbor kept breaking into my apartment and damaging my vehicle. I turned in the key in person on XX/XX/XXXX and was told that everything was fine and I was NOT breaking my lease. I gave my forwarding address, email and phone number. A few weeks later I received an email claiming the apartmenthad to be repainted because of me. I notified them of stains on the walls from a leaking window and upon moving in. I had passed move out inspection on XX/XX/XXXX. I replied to the landlord, XXXX with XXXX and XXXX, and told her to take me to court because I did everything on the checkout list, she had mistakenly tried to evict me prior because she kept crediting someone else 's account with my rent payments, and that she did nothing about the drug dealer living next door that kept breaking in and slashing my tires. About a year ago I checked my credit and XXXX and XXXX showed as a collection for {$1800.00}. I requested that XXXX correct the information and provided all copies of emails, receipts of rent paid, deposit paid, and police reports. All they did was put a statement on the account. The collection agency is reporting the account as opened in XXXX, when I paid {$1500.00} to my landlord and relinquished my deposit to move out without any issues in XX/XX/XXXX. XXXX and XXXX waited 4 years then sold my information to a collection agency instead of taking me to court or even sending me ANYTHING in writing showing that I owed them anything in that 4 year period. The only thing I ever got was one email from XXXX. I want it removed from my credit report because I do not owe the debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit file which are currently closed and doesnt belong to me. The account was opened fraudulently. XXXX XXXX  account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX  account # : XXXX. I submitted a ftc report along with proof of my identification. The accounts weren't blocked from my credit report for the duration of the dispute investigation which in fact is a COMPLETE VIOLATION. However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this accounts XXXX XXXX account # : XXXX, XXXX XXXX XXXX  account # : XXXX, XXXX XXXX  account # : XXXX should not be on my credit file. IT SHOULD HAVE BEEN DELETED!!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, XXXX and Transunion. I am requesting this account be removed from my credit report as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I contacted XXXX to negotiate a settlement, they did not reply. 

My credit report says it is a charge off. I contacted XXXX again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply. 

If XXXX sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian XXXX score on XX/XX/XXXX is XXXX. In XX/XX/XXXX my Experian XXXX  score was XXXX. My score dropped nearly 30 points with no valid reason as all payments in this 5 month period have been on time, I have not applied for any additional credit lines and I have paid all credit card balances to XXXX each month. My XXXX credit score on XX/XX/XXXX is XXXX. My XXXX  credit score on XX/XX/XXXX is XXXX. I contacted Experian via telephone and they were unable to explain why my credit score with them is 70 and 68 points lower than those of XXXX and XXXX, respectively. Their dispute specialist told me that there may be different companies reporting to Experian than the other two credit bureaus and that could affect my score. The only different company reported on the Experian report is 4 closed accounts with XXXX, XXXX, all closed and with an Exceptional payment rating as all payments were made on-time. I also have 2 utility companies on the Experian report through Experian XXXX, both with an Exceptional payment history. These factors would seem to warrant my credit score with Experian to be higher than that of either XXXX or XXXX, but that is definitely not the case. I could understand a 5 or even 10 point disparity between the credit scores from the different bureaus, but 70 points is ridiculous. Everytime I log into the Experian website, the first screen that appears is to upgrade to a Premium membership. I would gladly pay the fee for the premium membership, if that is what it takes for them to accurately report my credit score.
Product: Credit card

XXXX opened an account with Fortiva without my consent. We were told the fee for the equipment would be added to our XXXX account, and they will be opening a credit card exceeding the card amount, ultimately hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Experian over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named XXXX XXXX I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit card

I entered into a service agreement on XX/XX/XXXX with XXXX and paid the deposit of {$330.00} on my fiance, XXXX Chase Sapphire credit card. We hired XXXX to have our dogs transported from XXXX to XXXX. Ten days before ( XX/XX/XXXX ) the pets are to be transported, XXXX was supposed to submit the forms required by the Hawaii Dept of Agriculture to ensure my dogs will be released from the airport. Over a period of 5 days ( From XX/XX/XXXX ), I had emailed the business four times and left one voicemail but the company went completely silent. XXXX then called Chase Sapphire on XX/XX/XXXX and connected with the Fraud department to dispute the deposit since XXXX did not perform the service as agreed upon in their own service contract. Chase then calls XXXX and XX/XX/XXXX actually picks up the phone this time. XXXX denied any wrong doing and denied ever receiving any email or voicemail. XXXX also said that her services are no refunds after 7 days and because of that statement, Chase fraud rejected our claim. When I asked about the business breaching their contract, the Chase Rep stated that we would need to file with small claims court because it clearly stated that there were no refunds after 7 days. The fact that the business never delivered on their service was " another issue, '' per the Chase Rep. We 're stuck with the charge because I signed a contract that said No refunds after seven days.
Product: Debt collection

They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX, I signed up for a XXXX XXXX XXXX American Express card, as they were offering XXXX bonus points if I spent {$750.00} on the card in the first 3 months. In XXXX I spent more than the {$750.00}. As of today 's date Ihave not received the bonus points despite having contacted American Express several times. I filed a formal request for investigation on XXXX XXXX, 2017 requesting that this be expedited because my plan all along was to use the points for XXXX travel. As I called tonight XXXX XXXX XXXX XXXX their representative told me that it continues to be under review but that their marketing department is failing to respond to these issues and that I am not the only customer who is having this issue.
Product: Credit card

I was sold a Zero % interest plan ( for 2 years ) in store by XXXX / Synchrony Bank. It turns out this is a deferred interest plan, which is not what they tell you in-store, of course. Now, at the end of the promotional period, I 'm hit with a massive bill ( charged at 30 % ). They claim they 've given me this deferred interest information in my monthly e-statements, which I have to log in to the website to see, but in their monthly communication, the bank gives you all of the information one needs in the body of the email ( statement balance and last payment ), so one would never log in to the website to check. 

While I 'm sure they have all of the their legal I 's dotted an T 's crossed and I should have been more diligent, rather than just listening to their " zero interest '' pitch, they are hoodwinking unsuspecting consumers and engaging in predatory lending.
Product: Payday loan, title loan, or personal loan

I am writing to dispute a billing error in the amount of {$16000.00} on my account. The amount is inaccurate please look at the payment history that I have attached from  XX/XX/XXXX  to  XX/XX/XX . The balance remains the same no matter how much I paid ; I have made over payments and under payments and the balance remains the same {$16000.00}.     I understand I have a high interest rate however there has been zero applied to principle until recently     XXXX   XXXX   XXXX     payment is when finally payments started going to the principal balance.     I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.     Enclosed is a copy of my payment history supporting my position.     Please investigate this matter and correct the billing error total payments made  XXXX  on  XXXX   XXXX .