23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 I have an American Express Blue card ending in XXXX. About a year ago, I noticed that Amex continued to charge me {$26.00} as a recurring charge for Amex Airflight and/or XXXX XXXX XXXX. When I noticed this charge, I called Amex who assured me the charge had been removed. My credit card is on auto-pay, but my husband happened to open the bill and notice the charge was still there for {$26.00}. 

I called Amex twice during the day to cancel the recurring charge and contest the past charges, which amounts to more than {$300.00} since I called last year. I was put on hold for a 1 hour and 20 minutes while being bounced around between Amex offices ; ultimately, the person at Amex hang up. I was then told then second time I called that the travel office was closed now. On the second call, the Amex sales rep ( who gave her name as " XXXX '', sales rep no. XXXX ) said she no authority to end the recurring charge and could not tell me when the Amex travel office would be open. 

Amex is engaging in consumer abuse, misconduct, and/or outright fraud by making it impossible to contest past charges from its corporate affiliate, Amex travel insurance. It's a shell game that most consumers will just give up on and end up paying Amex again and again for travel insurance. 

I ask that you investigate this conduct. Amex Travel Insurance should be able to be canceled and go through a contest process, just like any other charge. Refusing to do so breaches Amex 's obligations to consumers and federal and state consumer protection laws. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Mortgage

I am disgusted with your business practices. I have received several different yearly Escrow Account Disclosure Summaries within 45 days ( XX/XX/XXXX, XXXX and currently XX/XX/XXXX ). On XX/XX/XXXX a Escrow Account Summary indicating a payment increase because there was a shortage. Notice on XX/XX/XXXX you indicated my home insurance was annual payment was {$1200.00}. Then notice where it says CHANGE {$3100.00}. This is an invalid change my annual home insurance is {$1200.00}. Please examine your records. This attempt to scam my insurance amount is fraud on your behalf. I am disgusted every year your company tries to raise the monthly mortgage amount through deception. I am tired of your illegal business practices. I have a fixed interest rate and the only reason to raise my monthly payment is an increased in insurance payment. I have called and spoken with my mortgage insurance ( XXXX XXXX ) and the annual payment is {$1200.00}. You have lied and tried to cause me distress and harassment. The {$3100.00} is erroneous. Then on XX/XX/XXXX if you notice where it says PRESENT & CURRENT LOAN PAYMENT you state {$770.00} is Principal & Interest and then observe the escrow summary on XX/XX/XXXX you have the Principal {$230.00} Interest {$480.00}. ( Observe XX/XX/XXXX escrow summary ) I pay escrow of {$200.00} monthly which totals {$2400.00} for the year, then you say there is an escrow shortage this is inaccurate ( {$180.00} ). My home insurance is {$1200.00} a year which leave in escrow {$1100.00}. Where did the shortage originate? What is the accusation for this {$180.00}? Therefore, I gather again your business practices are dishonest fraudulent, dishonest, and deceitful as well as inaccurate. You have my home mortgage, and you want to just fine a way to get more money from me. I feel threatened and maltreated by your business practices. I live on a fixed income, and you know this. Which leads you to determine I will not be able to pay my monthly note and I foreclose, and you gain the property. This is a deceitful and deceptive ploy to gain my property. Then you demand I pay on this XX/XX/XXXX. It has not been determined that calculations are correct. Loandepot has proven to be prevaricators, deceivers, and falsifiers. I will pay what is corrected monthly payment of {$970.00}. 

I implode you to support me in fighting this conglomerate business so I can obtain my rights.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the failure of TransUnion to adequately address my identity theft report concerning a fraudulent account on my credit report. Despite numerous attempts to rectify this issue, the consumer reporting agencies have failed to take appropriate action to resolve the matter. 

On XX/XX/year>, I discovered that there was a fraudulent account listed on my credit report, which I believe to be a result of identity theft. Immediately upon discovering this discrepancy, I followed the proper procedure by filing an identity theft report with the relevant authorities and submitting a dispute to the consumer reporting agencies in question. 

Despite providing all necessary documentation and evidence to support my claim, including the identity theft report and any additional requested information. TransUnion have failed to take meaningful action to address the fraudulent account on my credit report. This negligence has not only damaged my credit score but has also caused significant distress and inconvenience.

I have made a attempts to communicate with the TransUnion to resolve this matter, but my efforts have been met with inadequate responses and delays. It is evident that the consumer reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccurate information on my credit report, particularly in cases of identity theft.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and compel the consumer reporting agencies to : Conduct a thorough investigation into the fraudulent account on my credit report. 
Take prompt and appropriate action to remove the fraudulent account from my credit report. 
Implement measures to prevent similar incidents of identity theft in the future. 
I have attached copies of all relevant documentation, including the identity theft report and correspondence with the consumer reporting agencies, for your reference. 

I urge the CFPB to take swift action to address this matter and ensure that the consumer reporting agencies fulfill their obligations to consumers under the FCRA. 
Attached is a copy of the FTC report. 

Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reflective on my XXXX credit report under " hard inquiries '' I see two ( 2 ) " XXXX National credit cards/Airlines '' inquiries, which to my knowledge I have never formally inquired for such a card for airline travel or so. The dates reflective are XX/XX/XXXX when I applied and recieved a XXXX XXXX XXXX credit card through Synchrony Financial most recently on XX/XX/XXXX, when using the same Synchrony Financial for a credit card for medical services. It seems that this Airline credit card is generating from any application for credit through this company. But I have never myself applied for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX, Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies Denefits # XXXX  # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Debt collection

On  XXXX   XXXX  at  XXXX    XXXX   I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On  XXXX   XXXX  at  XXXX   XXXX  I received the same call with the same message. I am certain that this is a violation of the FDCPA.
Product: Student loan

My initial complaint ( ID XXXX ) was submitted on XX/XX/year> in regard to being defrauded by both my school ( XXXX  XXXX XXXX ) and my lender ( Navient ). I received a response to this complaint which then prompted Navient to send me a School Misconduct Discharge application. After completing the application and submitting a copy by mail, by email, and also through CFPB once more on XX/XX/year> to have it recorded publicly in a separate complaint ( ID XXXX ) - so they could not deny receiving it- they responded stating that it had been received. 
Within the cover letter of the application, it was stated that I would have a response within 60 days and that I would be contacted if more information was needed. This was also confirmed by Navient within their response in the second complaint. It has now been nearly 66 days and Ive still not received any type of response to the application nor the resolution that was demanded.
Product: Credit card

I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - Experian is giving the member no way to actually reach a human when dialing ANY of the numbers listed for them. They are reporting a collection on my account that DOES NOT BELONG TO ME. I have disputed it once already. I have contacted the creditor and they have searched me in their system and can not find records for me. I have contacted the Collection Agency with this information and they continue to report negatively and now are reporting me twice as late. I am trying to contact a human at Experian however their IVR gives no option to zero out to a human. Furthermore their website will not allow me to file a dispute online. They direct me to a number which allows for no option to talk with an agent. XXXX. I have also tried all of the other numbers listed for them ; same result. This should not be allowed. The other bureaus ( XXXX  and XXXX  ) have easy user options to contact an agent. Please investigate. TY
Product: Credit card or prepaid card

About 2 months ago, I received a call from Chase informing me that a new card was ordered in my name and wanted to know if it was me. I told them it wasn't me. I thought it was the end of it. This morning, I saw a {$400.00} withdraw from Chase on my XXXX  XXXX XXXX account. When I called Chase, they informed me of a zillion  of charges on that card I didn't order. They said that they will consider those charges like fraud and therefore, I am not responsible for any of them. 
I am reaching out to you in order to report that.
Product: Debt collection

I was issued a civil suit from MCM. I settled and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone deposited money in to my PayPal account, immediately the money was withdrawn to a prepaid debit card that had been added to my account without my knowledge. This happened multiple time over the course of 58 minutes from XXXX XXXX-XXXX XXXX. The person that made the deposits, XXXX XXXX, immediately filed a claim that the deposits were made without their knowledge. Those funds were put on hold. The withdrawals were in the amount of {$1600.00}. During this entire time I was out of the country and was not monitoring email so I did not see the emails from PayPal letting me know about the transactions. 
Here is the timeline of the transactions and emails from PayPal : XXXX XXXX   {$280.00} In XXXX XXXX  {$97.00} Out XXXX XXXX  {$97.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} out XXXX XXXX  {$95.00} out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  email from PayPal asking if there was unauthourized access to the account XXXX XXXX  email from PayPal stating password was changed XXXX XXXX {$95.00} Out XXXX XXXX  Email from PayPal stating access to account was restored XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  Email from PaylPal stating Pre-paid debit card removed from account I was alerted to this situation when I arrived at the XXXX airport and my text messages started coming through. I had multiple texts from my bank asking if I authorized {$1600.00} in a transfer from my debit card to PayPal. Fortunately, they did not send the money to PayPal. 
On Sunday, XX/XX/XXXX, when I saw the emails at XXXX XXXX, I called PayPal to let them know that deposits were put in my account that shouldn't be there and that withdrawals that I didn't authorize were also done. 

On XX/XX/XXXX, PayPal denied the claims. I had them reopen it on XX/XX/XXXX and on XX/XX/XXXX they again rejected the claims stating that the transactions were not unauthorized. They were able to tell me that the transactions were from IP addresses all over the country. I wasn't even in the country. If I would have logged in to PayPal it would have been an IP address from XXXX. 
I truly don't understand how they can not see fraud, as the deposits and withdrawals were done at the exact same time. 
I have since closed my debit card and my bank account. 
I really hope you can help. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with FCRA XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 States that 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My father and I ( his son ) are applying for a mortgage with Chase Bank to purchase a XXXX XXXX  property. We sent in the documentation that was requested by Chase Bank in early XX/XX/2021 and we did not get a response to any of our questions or a status update until XX/XX/2021 which caused us to miss our mortgage approval date requirement by the seller. There have been multiple occasions Chase Bank requested documentation that was already submitted or requested documentation that should have been listed on the initial documentation request. This is delaying the entire process which forces me to pay for unnecessary items ( Property Insurance, Title Insurance, etc.. ) that I will not recover. I have been involved with multiple mortgages through a variety of banks and this is by far the worst experience I have had. The delay of the mortgage closure is preventing me from making future financial decisions and is increasing the risk of the seller withdrawing from deal.
Product: Credit card or prepaid card

to whom it may concern my name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The last XXXX of my SS # XXXX and my XXXX is XXXX. My phone number is XXXX. I am currently writing this complaint because my forever XXXX credit card is not providing me my full benefits this card is supposed to offer. This card is supposed to offer an annual XXXX XXXX off on it anniversary day which mine is in XXXX of when the account is open and {$10.00} off for the coldholder birthday. Which mines is in XXXX. I havent received any of these benefits in the last XXXX  years. I called customer service and asked about it and was advise their rewards system have been down so thats why I havent received these benefits and maybe XXXX received it next year. As a consumer the main reason for having this card is to enjoy the perks and benefits of what the card has to offer and if Im not receiving it what is my reason for using this card when their are thousands of other cards available? I also ask if anything else can be done or Accommodated and they advise me nothing else can be done. I feel like this is very unfair to the consumer because these things are promise as a term and condition of the card.
Product: Credit reporting or other personal consumer reports

I want to dispute a report on my credit because my rights were violated under the consumer law 15 usc 6802 because I didnt give consent to disclose my information to any XXXX party affiliate and if I didnt it wasnt conspicuously shown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple accounts reporting on my credit that I do not recognize
Product: Credit reporting or other personal consumer reports

I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XXXX, XXXX in response lowered my credit score XXXXXXXX XXXX. In addition a XXXX suggestion of paying down my XXXX Credit Card account. After doing so they lowered my credit score an additional XXXXXXXX XXXX. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and there is inaccurate information on my account from XXXX XXXX ( XXXX XXXX ). Which was placed on my account on XX/XX/year> in the amount of {$13000.00}. According to passages 15 USC 1681 Section 602A. States that I have the right to privacy.

15 USC 1681 Section 604 Section2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and Experian keep reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with Experian and XXXX with no resolve.