23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint against American Express ( AMEX ) regarding an unfulfilled benefit associated with my XXXX XXXX XXXX ( s ).

In XXXX, I expended over {$75000.00} across all my XXXX XXXX XXXX, a spending level that, according to the card 's terms, entitles me to a specific benefit : the ability to bring an additional guest into the XXXX XXXX at no extra charge. Despite meeting this significant spending threshold, I have yet to receive this benefit for my card ending in XXXX. 

Upon realizing this oversight, I contacted AMEX customer service for assistance. The representative confirmed my spending had indeed exceeded the required amount of {$75000.00}. However, they informed me that they were unable to add this benefit to my card. This response is both disappointing and unacceptable, given the clear terms of the cardholder agreement. 

Enclosed with this letter, you will find a screenshot that evidences my communication with the AMEX representative, along with any other relevant documentation that supports my claim. 

I am seeking the CFPBs assistance in resolving this matter. It is imperative that AMEX honors the terms of their agreement and provides the benefits that cardholders like myself are entitled to after meeting the set criteria. 

I appreciate your attention to this matter and look forward to a resolution that upholds the standards of fairness and accountability in financial services. 

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

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance {$2100.00} DEPT OF ED/XXXX XXXXXXXX Balance {$2200.00}
Product: Debt collection

On XX/XX/XXXX an account with XXXX XXXX was opened in my name. On XX/XX/XXXX of the same year payment was due that was not given. I never received any notice of this bill since the fraud did not use my actual address or any of my actual personal information other than apparently my name and social security number. I.C. Systems Inc, a debt collection service, sent me a letter to my correct mailing address dated on XX/XX/XXXX of XXXX stating that I owed {$920.00}. The collection was due XX/XX/XXXX of XXXX. I was out of country when the letter came to my address, and I didn't return until the end of XXXX, which was past the due date. I contacted IC Systems, and they said that they had already sent the missed collections payment to my credit report. They said that they had marked the claim as fraudulent, and that I had to talk to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and I wanted to verify that this account was truly opened in my name. They were not willing and/or able to verify this since they said that I needed the password to the account to open it. They said that the only way I could do this was to go to an XXXX XXXX XXXX store. I went to the store they told me to go to, but the sale person there said that she is only an authorized retail sales person, and she doesn't have authority to open the account since it is closed and has gone to debt collection. The XXXX XXXX XXXX store sales person and the representatives I spoke to on the phone said that I should file an identity theft claim, which required a police report. The police have been leery of the debt collection letter itself being scam, but they are currently investigating this for me before they give me a police report. I did verify that this debt collection was reported to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically under 15 USC 1681 Section 602 ( a ), emphasizes the importance of consumer reporting agencies such as XXXX and Experian handling their significant responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. As a consumer, I hold the right to ensure my personal information is not indiscriminately shared, a right supported by 15 USC 6801, which mandates financial institutions to honor their customers ' privacy and protect their nonpublic personal information.

Under this regulation, the entities furnishing information to credit agencies are recognized as financial institutions. Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) explicitly states that consumer reports can only be furnished under specific conditions, XXXX being the explicit written consent of the consumer involved. Therefore, without my written authorization, XXXX XXXX, Experian, and the information furnisher do not possess my consent to distribute my information. 

I hereby revoke any form of consentbe it verbal, non-verbal, written, implied, or otherwisepreviously granted to XXXX XXXX, Experian, and the information furnisher regarding the sharing of my personal information. Moreover, according to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to third parties without informing the consumer of their right to opt-out, which I was not made aware of.

Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from reporting any adverse information older than seven years, except for criminal convictions. The accounts in question are adverse items being reported without my consent, violating this stipulation and have been included in a FTC Identity Theft report provided to both Experian and XXXX XXXX XX/XX/2024. This neglect not only compromises my financial integrity but also directly contravenes 12 CFR 1022.3, which defines identity theft as a fraud committed using another person 's identifying information without authority. Furthermore, Experian and XXXX 's inaction breaches 15 USC 1681e 's Compliance Procedures, specifically sections A and B, which mandate consumer reporting agencies to ensure the maximum possible accuracy of the information in their reports.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing consumer information to reporting agencies if it is known or suspected to be inaccurate. 

XXXX XXXX and Experian 's failure to adhere to 15 U.S. Code 1681e, which requires the maintenance of reasonable procedures to prevent violations and limit report furnishing to authorized purposes, demonstrates a lack of compliance with these regulations. Also, as per 12 CFR 1016.7, consumers have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.
Product: Debt collection

So I called to find out what this was about because I never heard of a XXXX and XXXX XXXX and so I don't know he told me they made several attempts to reach me but when I searched my email they only made one attempt and went straight to my credit report without allowing me to take care of it before it went to my credit report I attempted to have a conversation with the guy but he kept trying to overtake Me Too! And II don't even remember this is payday loan and that payday loans are illegal in Ohio so that may be why We stopped communicating with XXXXXXXX XXXX XXXX
Product: Mortgage

I have been approved for loan modification in XXXX XXXX 2016 through Ditech.com. 
They put me on a trail loan modification in XXXX 2016 and told me to " keep paying the trail period of {$1500.00} till till the final loan modification papers come to me and I sign it. '' Now my credit reports say I have negatives mortgage late payment since XXXX 2016. 
Ditech customer service say that " it will go away once I receive my final loan modification papers and I sign them. '' NOTE : I have been approved on the modification in XXXX XXXX, 2016 and this modification started in XXXX 2016. 
I keep calling them every month and it keeps being pushed back. Why if it 's been approved in XXXX XXXX? And it is building up my negatives on my credit reports. 
Please advise of what can be done about them not sending me final modification papers from Ditech after so many call to them and many months of waiting. 

They have actually killed all other mortgage options that are available to me. 

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

I am writing to formally dispute and file complaint to BMW FINANCIAL SERVICE for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Credit card

While on hold with XXXX XXXX reservations, I heard a Chase credit card offer for a card that would XXXX XXXX XXXX Mileage Plus points if {$3000.00} were purchased in the XXXX 3 months. The number to call : XXXX called that number, and was told no, the card provided XXXX miles if {$1000.00} were purchased in the XXXX 3 months ( still a good offer, I do admit ). When I asked about the discrepancy, I was eventually given a supervisor named " XXXX. '' XXXX told me to call a different number : XXXX. It turns out that number does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH EQUIFAX AND XXXX AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! EQUIFAX AND XXXX ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! EQUIFAX AND XXXX WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. XXXX REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX, AND THE XXXX ATTORNEY GENERALS OFFICE! REMOVE XXXX XXXX, A XXXX XXXX BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX XXXX  AND FOLLOW THE LAW!!
Product: Checking or savings account

On XX/XX/XXXX, Vystar took down certain features of its online banking to update its platform. This outage was supposed to last through XX/XX/XXXX and was only supposed to impact bill pay and external transfers. Now, over a week since the outage, and neither I nor anyone else can get into online banking at all, through their app or through their website. Vystar refuses to provide an estimate on when these issues will be fixed. I rely almost exclusively on online banking for my needs. Not everyone has the time to go to an ATM or visit a branch, or sit on hold for ages for every little thing. And, their customer service hours are still limited. This is outrageous.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on the account Dpt EdXXXX XXXX. 

Account # : XXXX XXXX XXXX Bureau Code : Individual Terminated Individual Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$44000.00} {$0.00} {$44000.00} Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Last Active : XX/XX/2023 XX/XX/2023 - Date of Last Payment : XX/XX/2023 XX/XX/2023 - This means this account has not been properly verified per the requirements of FCRA. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

I have not received a statement for XXXX from Grain and my balance has not been updated either. I made a payment on XX/XX/XXXX and my cycle closes on XX/XX/XXXX. It is still reporting XXXX balance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, HI XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Tax Lien Docket # XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$550000.00} State Tax Lien Docket # XXXX XXXX {$100000.00} State Tax Lien Docket # XXXX {$25000.00}
Product: Credit reporting or other personal consumer reports

After recently checking my credit report I found several items on my report that do not belong to me and I do not recognize. I have submitted disputes concerning these items to no avail. The addresses associated with the accounts in question do not belong to me.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX all three credit bureaus four times now regarding the repeated charge-offs reporting on my account. 
I have also found more inaccurate and a violation of the FCRA on my report. According to the FCRA these companies violate these code below.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681c : Imposes limits on how long negative information can be reported ( e.g., 7 years for charge-offs ).

15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.
Product: Credit card

Truest bank called to verify my application for a new credit card along with a cosigner. Cosigner was XXXX XXXX in XXXXXXXX XXXX I do not know this XXXX XXXX, and ask Truitt to cancel the application due to fraud. Truist cancels the card application due to fraud with a cancellation code of XXXX. They advised me to notify the CFPB Attempted fraud.
Product: Debt collection

I previously filed a complaint with CFPB against XXXX XXXX and their collection agency, Louisiana Recovery Services. I asserted that the debt should have been submitted to VA to be paid. In their response, they asserted that they mailed letters that were returned ( which means they had the wrong address ). Also, they said they called me through some sort of robocall. But, never spoke to me. Certainly, if they would have spoke to me, I would have told them what I requested initially and now, submit the bill to VA. 

Also, in their response to the CFPB complaint, they said they would submit the bill to VA. However, when I called VA 2 days ago, I learned that they never submitted the bill for payment. However, when I called Louisiana Recovery Services and spoke to XXXX XXXX, while VA representative XXXX XXXX was listening, XXXX XXXX falsely asserted that they had submitted the bill to VA for payment on XXXX XXXX, 2015. But, she was shocked when VA responded that was not true, and requested the payer ID number, which they could not provide. XXXX XXXX then provided her with the payer id number, and requested that Louisiana Recovery Services submit the bill. Also, XXXX XXXX asserted that Agent for Louisiana Recovery Services, who told me that she was a lawyer, XXXX, was in fact only a collection agent. VA agreed that it appears that they are deliberately refusing to send the bill to them for to avoid getting reimbursed the minimal government rate of charge, as opposed the over {$1700.00} they billed me personally. Why collect {$250.00} from VA, when they can try to collect so much more from me by holding my credit hostage. This is deceptive and unfair credit practices.
Product: Credit card

The problem related to A REMOVAL OF CREDIT BALANCE ( {$240.00} ) on XX/XX/2023 of my AMEX blue cash magnet account. AMEX removed the credit balance but never paid back the credit. They said they sent the check 3 times, but I found they sent it to a different state. On XX/XX/2023, they tried to transfer the credit to my XXXX and that time it worked. However, I found there was a Credit Balance Refund on my account, and it was taken as a charge for this refund and I need to pay for this refund. I tried to dispute this problem many times but never got any response.
Product: Debt collection

I missed the call while at work, an went on break to return the call. Upon speaking with the first agent, he verified my information ( i.e name, last known address, and last XXXX of social security ). After answering yes, he spoke authoritative to state that I had a previous debt from a company I never heard of. When I stated to him that prior to my move and job loss, I paid off all payday loans. He laughed and said " Ma'am do n't waste my time '' if you do n't pay your bills I just need you to say that, and that you are n't going to pay this XXXX. He stated that his name was XXXX. when I stated that he was rude and would n't let me address that the loan he 'd referred to was not the originator, and I wanted more information. He interrupted me stated I was a low life and then hung up. I waited about XXXX minutes and called back. I then spoke with XXXX at ext XXXX. He also ask to verify my identity to continue their credibility. I asked if he had anything in writing to prove the debt, he stated that his company could not forward such information. I asked if the accepted payments via mail, he stated they only accepted payment via phone. I asked if he had the originating account information, as I did n't know of the name by which he referred the debt. He said " XXXX XXXX '' was the parent lending company, and they are demanding the outstanding balance. He stated that once the {$500.00} was paid with either credit card ( with the exception of XXXX XXXX, debit card or pre-paid card, would be the only letter I 'd receive with regards to the debt. Although he was more polite, i do n't believe the company and the debt is credible. I have gotten other loans, and this company appears to not be legitimate to me.
Product: Debt collection

I have a debt from this company showing on my credit report that does not belong to me. I was the victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back from TransUnion, which states you completed a fair investigation and these accounts are 100 % accurate. Can you please answer this one question? How did you investigate these accounts? Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT. Did you interview my neighbors? Did you interview my family and friends? Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also TransUnion DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated. XXXX has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : 1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY