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

Subject : Formal Credit Dispute Under 15 U.S. Code 1681o Civil Liability for Negligence I am writing to formally dispute inaccurate information on my credit report, which I believe has been negligently reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, credit reporting agencies and furnishers of information may be held liable for negligence if they fail to comply with FCRA regulations. 
Upon reviewing my credit report, I identified the following inaccurate or unverifiable information : 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 XXXXXX/XX/year> According to the FCRA, you are required to conduct a reasonable reinvestigation of disputed information within 30 days. Failure to do so may result in legal liability under 1681o, which holds credit bureaus accountable for damages caused by negligent non-compliance.

I request the following actions : Conduct a thorough reinvestigation of the disputed items. 
Provide documentation verifying the accuracy of the information. If verification is not possible, the item must be deleted from my report immediately. 
Send me a written confirmation of the results of your investigation. 
Please consider this letter as formal notice that continued reporting of inaccurate information may result in legal action, including seeking damages as permitted under 15 U.S. Code 1681o. I expect a response within 30 days, per FCRA guidelines. 
Attached are copies of my credit report with the disputed items highlighted, as well as any supporting documentation related to this dispute. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card

I am writing to express my concern regarding an unresolved issue related to my recent purchase. I initially purchased an item from XXXX for {$490.00} on the XXXX of XXXX. Unfortunately, the order was canceled by XXXX, and I was advised by the customer service XXXX XXXX to reorder the item. Upon reordering, the price increased to {$810.00}, which is a significant difference, {$320.00} to be exact. 

After noticing the price increase, I contacted XXXX customer service, who assured me that the item would be eligible for a price match. However, despite this agreement, XXXX did not honor the price match, and I was still charged the higher amount. Due to XXXX dishonor and what could be seen as fraudulent, I thought reaching out to my credit card company would provide a better outcome. 

In an attempt to resolve the issue, I disputed the charge with my credit card company, USAA. I provided multiple screenshot documents enforcing my claims. The screenshots clearly show an XXXX customer service provider guaranteeing a price match, which was not met. Therefore, the dispute with USAA started early XXXX and just recently closed, as of XX/XX/XXXX. However, my dispute was denied. USAA claims that XXXX didn't promise a price match back to my USAA card, which I found absurd because I used my USAA card to purchase the item. Given that I was promised a price match and the significant price discrepancy, I took the issue to USAA. USAA didn't resolve my issue whatsoever after multiple weeks of frustration, and back and forth calls. Thus, I believe this situation warrants further attention. 

I respectfully request your assistance in resolving this matter. Please let me know the next steps I can take to ensure that I am either refunded completely or that the agreed-upon price match is honored. 

I have attached all relevant documentation, including order details, price quotes, and any communications from XXXX regarding the price match. I appreciate your attention to this issue and look forward to a prompt resolution. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULANT INQUIRES BEING REPORTED FROM MY CONSUMER REPORT. UNDER 15 USC 1681c-2 ( BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNDER 15 USC 1681n ( WILLFUL NON COMPLIANCE ) I WILL SEEK LITIGATION VIA15 USC 1681n ( WILLFUL NON COMPLIANCE ) FOR ILLEAGALLY FURNISHING FRAUDULENT INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$170.00}, XXXX XXXX BANK XXXX XXXX XXXX XXXX {$2800.00}, XXXX OF XXXX XXXX Balance : {$0.00} & XXXX XXXX Date of Inquiry XX/XX/2023XX/XX/year>
Product: Credit card or prepaid card

Prior toXX/XX/XXXX, I lost my job Due to COVID and was surviving strictly off of my savings. I was unable to pay the minimum payments on my Macys credit card. About a month later, I got employed and began making more than the minimum payment required on the card. My balance went from {$1400.00} to {$100.00}. I contacted the Macys credit department and explained that I was going through financial  hardships at the time, and would like to know if they could move the negative reporting from my credit. I was advised that even because of my financial hardship, they could not remove the reporting. They did however waive the derogatory reporting and sent me a letter waiving it. This letter however does not change my credit score. Im currently working towards purchasing my first home and Id like to have excellent credit by XX/XX/XXXX. Having this payment on my credit report makes it harder to reach my goal. I think Ive proven myself worthy of making payments on time and would like for the one late payment to be removed. Attached to this is the letter I received from Macys waiving the late payment.
Product: Checking or savings account

I had to open the Citibank savings account so I deposited a few checks I waited to deposit the rest because there was a limit when I do try accessing my account a few days later it tells me that I dont have access to my account. I called Citibank and they tell me that my account is closed because of the checks that I deposited that they appear to not be paid which is very very impossible since I do get paid every week with the same company and I continue to but now deposit it in my original bank account XXXX XXXXXXXX and have no issue. Ive been working for the same company the past year and have had no issue, I tried everything in my power to get my money and they are not giving me my money back. I told my job that is there anyway they can reissue the checks and they tell me that the checks have been cleared, but it is clearly impossible because I do not have access to that account that was closed or the money. 
I deposited the total of {$1700.00} on XX/XX/year> XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I cancelled my citi card about a year ago. I was finally in a position to pay it off in full, so I called. I was told to send {$6500.00} and all business with Citi would be complete. I sent the full amount and my latest statement clearly paid in full. However, Citi is trying to scam me by sending a bill for {$30.00}. Im told by their csr, " that represents the interest while we waited to get your payoff check ''. Give me a break! What kind of a low life company is this?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EXPERIAN and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Money transfer, virtual currency, or money service

I was debited through my bank account {$150.00} and {$150.00} on XX/XX/XXXX through cash app on an account that is not my own to a XXXX XXXX. I've contacted them multiple times and ask them to look into both the user with this name that they claim to not be able to find yet I am able to, and also to look into any transactions using my debit card number and they simply will not acknowledge or deny that they found anything nor will claim any responsibility or issue a refund
Product: Credit reporting or other personal consumer reports

My personal intellectual copy written property was use without my written approval, or prior written consent, and my data was leaked in the Equifax data breach. 
Under the United States commercial code copyright infringement is XXXX per claim and triple damages for the copyright infringements an any usage of it without my written consent, an if it was done knowingly, willingly voluntarily to impede upon my estate I will be seeking triple damages as well if it is brought to my attention that it occurred on more than one occasion I will be filing a federal lawsuit.
Product: Credit card or prepaid card

I ha d two Citi  credit cards. They both came with bonus points. After about one year, I cancelled  one  of the cards. Last weekend, I noticed that app rox 72,000 poin ts were deducted. When I call ed Citi, I was told   that when I cancelled, I was told I had 60 days to use those points or they would be forfeited. The representative told me that she would contact me after retrieving the phone call to cancel the card to make sure I was warned.     She called back to tell me they had no record of the cancellation but that they sent me an email with the information. I can not retrieve emails that old but have no recollection of this. Much worse is that the account has an {$87.00} credit balance. Think about this - they ran to take the points away but seem to be fine with holding on to my money. If they had any integrity, and if they truly had warned me, they would have sent me additional emails over those 60 days, certainly by day  55, to  " remind '' me that I was in danger of losing those points. I am very savvy about these things and have been very successful with points - this is totally inconsistent with my history. There is no doubt that their anxiousness to take my points while keeping my money speaks volumes. I want those points reinstated so they can be redeemed. If they had refunded my credit when I closed the account, they might have an excuse. Here they do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I refinanced my mortgage at the end of XXXX. The mortgage that was paid off was with Bank of America. I had paid several months ahead of my mortgage when I refinanced. The 1098 I received for XXXX did not include more than {$8000.00} of interest that was paid. I have been going back and forth with BofA since XXXX of this year on this issue. I have provided to BofA on several occasions, documentation from their systems showing that the amount they paid me from my refinance is off by around $ XXXX ( I took my original mortgage amount with BofA, added on the interest disclosed on the XXXX for the life of the loan and subtracted payments, including the payoff amount ). I don't know from an accounting perspective if I should be refunded this amount or of they should report it to the IRS as interest for XXXX. 

As you can see in the email chain that I am attaching, on XX/XX/XXXX at XXXX BofA agrees there is a " discrepancy with the reported interest numbers '' that they are trying to rectify. That was over seven weeks ago and they have still not rectified this. It has been over eight months since I first raised this issue. During this time they have used their large bureaucracy to try and make this problem go away by passing me around to different people, denying the validity of my complaint while at the same time not addressing the central point of my complaint ( i.e. the $ XXXX difference ) they also continually said that they did not know who I could contact in their Legal Department when I was considering a law suit. 

I think that a banking institution of the size of Bank of America should be able to address this problem in a more timely manner. In addition, this issue seems to be a system issue that most likely has impacted more than myself. I would hope that management at BofA would reach out to other impacted customers, but given my experience I am doubtful that they will do so.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and saw these fraudulent inquiries. Please remove immediately.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDXXXX was never late! I have had exceptional payment history with DEPT OF EDXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;
Product: Debt collection

Southwest Credit Systems has reported a collection to public consumer credit file with the credit bureaus in the amount of {$730.00}. Southwest Credit Systems has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. The debt that Southwest Credit Systems has reported to my public consumer credit file is not valid thus Southwest Credit Systems has no legal right to report this to my credit and attempt to collect a debt. I never authorized any accounts in relation to the debt amount of {$730.00} which is what Southwest Credit Systems is reporting. Reporting these invalid debts to my public consumer credit file is a violation of the FCRA.
Product: Debt collection

On XX/XX/2020, I received a notice from Sequium Asset Solutions that they were collecting a debt I owed to XXXX ( see attached ). I do not recognize the debt or believe that I owe anything to XXXX or Sequium, so I sent a validation letter ( attached ) asking for additional information about the debt. I sent the letter to the address provided on their letter asking that they stop collection efforts until they provide me information proving that I owe the debt they are trying to collect. 

I did not receive any of the information I requested in my validation letter. I did, however, receive calls from Sequium attempting to collect the debt on XX/XX/XXXX and XX/XX/XXXX ( see attached phone records, relevant calls are highlighted ). On both occasions, I answered the call and explained that I sent a validation letter and I need further information about the debt before I was willing to discuss payment. I further advised that further attempts to collect the debt are in violation of the Fair Debt Collection Practices Act, at least until they can provide the requested information. On both occasions, the person I spoke to advised me that if I have questions about the debt, I will need to contact XXXX XXXX billing department and that they do not have to provide billing information since they are collecting on XXXX XXXX  behalf. 

I have continued to receive calls from Sequium Asset Solutions,  most recently on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached cell phone call logs ).
Product: Debt collection

saying that I have debt that I did not pay off, and will be escalated and they will refer this matter to Counsel.

It must be a debt from a long time ago, and I am not sure what is the best way to handle this.
Product: Debt collection

XXXX XXXX Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. 

I have attempted to block their phone number to make the calls stop ; Ive blocked at least XXXX phone numbers but they use a new one every time they call.
Product: Checking or savings account

Place name XXXX charge my account I file dispute. First Horizon bank settled the dispute not in my favor. I never use XXXX or any gambling website out of nowhere my account was charged a huge amount of money. This situation caused have me a lot of financial problems.