23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was stolen by former friend XXXX XXXX. Turns out she used my personal identifying information to rent an apartment without my knowledge or consent. I have tried to reach her but she wont take my calls or texts. I have also contacted the apartment community, XXXX XXXX XXXX XXXX XXXXXXXX and I have contacted the XXXXXXXX XXXX  XXXX. 

The amount owed is {$2300.00} and is now in collections. I have been able to successfully have the item removed from XXXX but XXXX refuses to remove the collection. 

The collector, ProCollect Inc was rude and not helpful at al. They simply insisted that I pay for this and I absolultey refuse because this debt it not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the XXXX many times now I just cant take it anymore!
Product: Credit card or prepaid card

Re : Dispute of charges and exorbitant fees from a Closed Account XX/XX/XXXX In XXXX, I had gotten some outrageous late fees and interest charges which I suspected were unscrupulous. I sent a letter to Citibank and the MN Attorney General regarding this and asked that these charges be reversed. The Attorney Generals office was supportive and concerned, but Citibank never responded. I simply stopped using the card. I have excellent credit and always pay on time. There are other companies that had much more reasonable fees and interest. 

Then in XXXX, I got an unexpected autocharge from XXXX. I paid the bill & closed the Citibank account. I changed the autopay from XXXX to my new business credit card with XXXX. I thought the maltreatment from Citibank was finally over. 

But in XXXX, I got a surprise bill iof {$110.00} from Citibank in XXXX, a surprise because I had closed the account with Citibank. XXXX had accidently charged one autopay to Citibank and one to XXXX. I called Citibank to refute the charge through them since I closed the account. They reversed the charge from XXXX and we called XXXX to make sure they were only charging XXXX ( the other credit card ) and to eliminate any information about Citibank. The account was closed and I received a letter from Citibank that the account was closed. I thought the hassle was finally over. 

Two months later, XX/XX/XXXX, I received a bill from Citibank with past due charges and interest more expensive than the original bill ( {$340.00} ) that I should have never received from a closed account. I contacted XXXX and they said that Citibank sent them money but that XXXX would reverse the charge since they were charging the correct credit card, XXXX. They attempted to reverse the charges, but Citibank said the account was closed and would not accept the money back. XXXX offered to send me the money back since it would be double charged. We called Citibank and told them we would forward the money from XXXX and that I want that account closed and to reverse the charges and fees since the account should have been closed, but they insisted that I pay exorbitant fees from an account that should have been closed in XXXX. A credit from XXXX still awaits Citibanks instructions on how to send the money to them. 

I always pay my bills in full and on time. But since I had every reason to expect that this account was closed and that no one should be billing to it anyway, and since I have been disputing this bill for half a year, it is ridiculous to be charging me late fees and interest on something that should never have been on this account. Citibank has been using unscrupulous practices and charging exorbitant fees, especially for someone who always pays on time and has excellent credit. I want Citibank to take the money back from XXXX and close the account permanently as I had requested in XXXX. I also demand that Citibank refund me the {$100.00} in interest that they charged me erroneously in XXXX.
Product: Debt collection

Continuing to charge interest on unpaid rental debt from 3 years ago. I am being charged for no notice to vacay provided documentation, still no change to money, I am being charged XXXX rent I had documentation that proves we moved out XX/XX/XXXX ... Utilities were shut off in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!
Product: Debt collection

I USED TO HAVE A NOTARY SIGNING SERVICE BUSINESS AND XXXX XXXX XXXX WAS THE COMPANY THATUSED TO PROVIDE THE PAY CHECK TO MY STEPSON XXXX XXXX AS EMPLOYER .WITH THE ACCOUNT # XXXX. I PAID XXXX EVERYTHING THAT NEED TO BE PAID. AND I FOUND OUT XXXX XXXX SENT MY NAME TO DEBT COLLECTOR NAME XXXX XXXX WITH FILE # XXXX AN AMOUNT DUE {$160.00} THAT I DIDN'T OWED AND SINCE MANY DEBT COLLECTOR KEPT CALLING FOR DIFFERENT AMOUNT OF MONEY. I WOULD LIKE THOSE DEBT COLLECTORS XXXX XXXX AND XXXX XXXX TO STOP CALLING ME FOR A DEBT I DON'T OWE.
Product: Debt collection

Orions Management a collection company contacted me about a debt for Credit Shop which I advised them that I had just received a notice from another collection agency, XXXX, that also stated I owed on the debt. I asked them if they were affiliated which they stated they were not. I advised Orions Management that I had filed an identify theft report about this debt which I provided them and requested the debt be validated and that they provide me with proof of the legal right to collect on the debt. They sent me some copied documents and a spreadsheet which I advised that the information was fraudulent and that more is need to validate that the debt was mine. In addition, I advised that the identify theft affidavit was submitted in reference to this debt with the prior collection agency that contacted me during this same time and I also submitted an identity theft affidavit to Orions Management which they stated they wanted a police report. Since that time I have tried to obtain a police report but was advised that I needed to file a report on Identifytheft.gov, which I did. The representative with Orions Management advised me that they would send documentation that they owned and have legal rights to collect the debt but has failed to do so and advised me to call another collection agency to " ask '' them who the debt was sold to. I advised the representative at Orions Management that documentation must be provided not just a phone call that I have to make to a company that purportedly owned the debt before selling the debt. Since that time Orions Management has failed to validate the debt and provide proof of ownership of the debt and place the collection on my credit report.
Product: Vehicle loan or lease

Fraudulent Loan. Consumer signed a Negotiable Instrument ( Promissory Note ) which is Legal Tender and for the total payment for the Vehicle in FULL. Credit Acceptance Corporation had Consumer signed a Promissory Note on XX/XX/XXXX and asked Consumer to signed another agreement in XXXX / XXXX of XXXX for the same vehicle with an additional Promissory Note, in which was tendered electronically so that consumer could not properly endorse the NOTE " Pay to the Order of the United States of America without Recourse '', making consumer the " Holder in Due Course '', " The maker of the Note '', and a " Real Party in the Interest '' to said property. Company refused to settle this FRAUD and tried to repossess ( STEAL ) the vehicle after consumer refused to continue making FRAUDULENT PAYMENTS in FIAT DOLLARS ( Federal Reserve Notes ). Company sent a UniLateral Contract signed only by consumer which does not constitute a Legal Contract under Uniform Commercial Code.
Product: Mortgage

I have been emailing and calling the mortgage company since XXXX for the removal of my PMI. I followed all of the steps called out by the company including filling out their required form and submitting a list of improvements with dates, amounts, and what work was completed. In XXXX, after submitting all of the forms, I received a letter stating that they were closing my request without saying anything else to me. I then called the company to inquire on why, and on that call they stated that it was because I didn't submit the required information ( even though I did ). I was then informed that the only thing I can do is to start over the request by resending in all of the forms again. I asked for the process to be expedited since they closed my request without reaching out or my consent and they agreed. But when I resubmitted the forms to the email I was given, and was told I would receive a response within three business days, I still hadn't heard back for over two weeks. I then called the company again to figure out why I am not hearing back and was put on hold for over an hour waiting to speak to someone to expedite the request. I was then told they had all of the papers and someone would review and call me back within five to seven business days instead of being able to speak to someone at that time. I insisted that I wanted to speak to someone at that time and was then again put on hold for over an hour. 
I has now been three months of requesting the PMI to be removed from my mortgage and I have done everything by their standards and requests and I am still not getting anything back from them. This feels like a forced way to ensure I keep paying the PMI every month they drag their feet, close out my requests for untrue reasons, and keep me in a run around for months. I just want this request completed as they are required by law to do and have the matter closed.
Product: Credit card or prepaid card

On XX/XX/XXXX went online to access online banking account held with American Express Serve and was unable to do so. I immediately contacted American Express Serve to see if there was a problem. The representative told me that American Express Serve was experiencing some technical problems and that my account should be off hold in 24-48 hours and that it was a problem that had effected many of their customers- not just me. At approximately XXXX on XX/XX/XXXX I  received an email from American Express Serve stating that I had transferred the balance from my reserve to my main account. I immediately contacted American Express Serve once again and asked who made the transfer, because I had not. The customer service rep. told me that American Express Serve had made the transfer to my main account and then did a manual debit to remove the funds from my main account. The rep. said they had no other information at this time, except that the account would be on hold for 24-48 hours. I keep calling American Express Serve and was finally transferred to a gentlemen named XXXX in technical support would stated that he authorized the transfer and manual debit of the funds based off a letter he received from my previous employer about an error. XXXX stated that they were investigating the information they received from my previous employer, the funds were on hold, and that I would be contacted by phone or email once the investigation was complete. I never received an email, letter in the mail or phone call with the results of this investigation. I gentlemen from Illinois Department of financial institutions demanded a explanation as to what took placed and they sent him a letter by email that he then forwarded on to me. A retailer that I made a transaction with on XX/XX/XXXX using my serve card stated that they were contacted by my previous employer about the transaction. American Express Serve had to share my transaction history with my previous employer for them to be able to make contact with this retailer about this transaction.
Product: Debt collection

The amount that the debt collector says I own to them is {$950.00}. I have never taken out a loan with this company. They are spreading false information. I have sent multiple letters on my behalf to delete this false information before legal actions is taken and I have not seen a change in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to report XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX has incorrectly reported two identical accounts to all three major credit bureaus ( Equifax, XXXX, and XXXX ), causing significant harm to my credit score in retaliation to a CFPB Complaint I filed on XX/XX/year>. 
The accounts in question are : Account XXXX : Date Reported : XX/XX/year>, Collection Agency : XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : Date Reported : XX/XX/year>, Collection Agency : XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute these account because the errors and validation. Furthermore, XXXX XXXX XXXX XXXX retaliated against me further for reporting the error to the CFPB by re-reporting the same account under a different account number. 
Notably, this malicious action occurred after I submitted a complaint to the CFPB on XX/XX/year>. This retaliation is a clear violation of federal law and demonstrates XXXX XXXX XXXX XXXX 's intent to harass and intimidate consumers who exercise their rights. 
As a result of XXXX XXXX XXXX XXXX 's malicious reporting, my credit score has dropped significantly. The duplicate accounts have caused irreparable harm to my credit reputation. I believe this constitutes a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) for willful non-compliance with dispute procedures FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for furnishing inaccurate information FDCPA Section 805 ( 15 U.S.C. 1692d ) for harassment, oppression, or abuse I have attached supporting documents, including : Credit reports from all three bureaus showing duplicate accounts
Product: Checking or savings account

XX/XX/ I was doubled processed from my credit card payment without my knowledge. I had {$280.00} taken twice from my checking account, for a singular min payment. I also only received one confirmation number for the process but was charged twice. Bank of America has yet to give an accurate date of when I will be receiving my funds as the previously stated 5-7 business days was false. I contacted them 3 times and each time a representative gave me a different time estimate and took different approaches and procedures for transferring back my money. I also have been charged overdraft fees due to being short {$280.00}. Ive spent multiple hours on the phone for no resolution and feel I am being taken advantage of. Ive spoken with a supervisor who claims they cant get me my money for possibly another month on top of the past week or so Ive been short which would put me into more overdraft fees and also cause me not to have funds for living
Product: Debt collection

XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.
Product: Credit card

I have been an Amex Gold cardholder for XXXX years. In early XXXX, my husband joined the military, and I contacted Amex to inquire if I could qualify for the Servicemembers Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ) benefits as a military spouse. 

During a call between XXXX and XXXX, I specifically asked an Amex representative, Would I be eligible for benefits like the annual fee waivers if I qualify? I received a clear affirmative response. At no point was I informed that there were XXXX possible outcomes : 1 ) I qualify, or 2 ) I do not qualify. There was no mention that I might not be eligible. This miscommunication led to my assumption that I fully qualified for the benefit. 

Based on this assurance, I upgraded to the Amex XXXX card, expecting the {$690.00} annual fee to be waived. However, in XXXX, I was unexpectedly charged the full annual fee. When I realized this, I reached out to Amex multiple times to resolve the issue, as I believed this was a mistake due to the miscommunication during my initial inquiry. 

My request is straightforward : I am seeking a full refund of the {$690.00} fee because I acted on incorrect information provided by Amex. As soon as I learned in XXXX that I did not qualify, I immediately requested to close the card and discontinue the service. 

I am eligible for these benefits with other banks, including XXXX, and my research showed no reason why I should not qualify at Amex. This has caused frustration and financial inconvenience due to a lack of clear communication on Amexs part.
Product: Debt collection

Received phone call from XXXX threatening to serve me with court papers. Advised me to call XXXX which was XXXXXXXX XXXX XXXX  who stated I had a judgement from Bank of America opened in XXXX and closed in XXXX with a balance of {$17000.00}. I called Bank of America who stated this is not their credit card number. Called XXXX XXXX XXXX  back spoke to XXXX explained this to him and he stated good luck in court and I would be served by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent a certified letter to Equifax to update my personal information on my credit report. They received the letter on XX/XX/24. In response, Eqifax stated that I did not send proper verification for this request such as a driver 's license, social security card, and a bill verifying proof of residence. 

Attached is the certified letter with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refinanced my student loans, thought Department of EducationXXXX XXXX shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from New Mexico Educational Assistance Foundation ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus refused to reverse the late payments reported on XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXX XXXX  Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties. 

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report. 
A copy of my driver 's license or other government-issued identification to verify my identity. 

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me.