23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I WAS IN XXXX FOR TWO YEARS IN VERY REMOTE AREAS. AS SOON AS I LEARNED OF FRAUDULENT CHARGES I CONTACTED DISCOVER ON PHONE. FROM XXXX. THEY ASSURED ME NOT TO WORRY. I HAVE NO ACCESS TO ORIGNAL DOCUMENTATIN BECAUSE DISCOVER CHANGED MY ACCOUNT NUMBER TO PROTECT ME AND NOTHING APPEARS. I SUPPLIED THEM WITH COPIES OF MY NOTES TO THE MERCHANT STATING THEY STOLE FROM ME AND OWED ME. XXXX XXXX. I EXPLAINED IT ALL TO DISCOVER IN MANY DISPUTES FOR EACH OF THESE CHARGES EXCEEDING 5000 DOLLARS. I SHOWED THEM HOW I HAD PAID WITH XXXX, AND XXXX XXXXXXXX XXXX AND EXPLAINED HOW I WAS TOLD DISCOVER CHARGES DID NOT GO THROUGH BY THE MERCHANT. I NEVER WAS SHARED WHAT DISCOVER DISCOVERED FROM THEM SO HOW COULD I COMMENT ON THAT THEY HAD. THIS IS AN XXXX MERCHANT, THEY ARE NOT HONEST AND IT IS IMPOSSIBLE FOR ME TO HAVE A DISCOVER CHARGE IN ANOTHER CITY THE DATES THEY SAY THEY ARE GIVING ME SERVICES ALSO. NOW THAT 2 YEARS HAS PASSED DISCOVER JUST PASSES IT OFF AND DOES NOT WANT TO DEAL WITH IT. NO MANAGER EVER GAVE ME THE ATTENTION I REQUESTED. I HAD A MERCHANT ACCOUNT WITH DISCOVDR FOR MY BUSINESS, ALWSAYS PERFECT STANDING, LOW BALANCES UNTIL THIS, AND I EVEN OFFERED TO SETTLE WITH THEM. IT IS LIKE I AM GETTING A FORM RESPONSE THAT DOES NOT EVEN RESPOND TO MY SPECIFICS .... THEY NEVER MAILED ME WHAT THEY SAID THEY DID AND I HAVE ASKED TEHM TO UPLOAD ONTO MESSAGE CENTER, NEVER DONE. I HAVE BEEN WITH THEM MAYBE 10 YEARS. THERE IS NO WAY TO RESOLVE THIS WITH THE THIEVES IN XXXX UNILESS I GO THERE TO THE GOVERNMENT. THAT IS UNREALISTIC. IT IS ALSO AGAINST THIER STATED INTERNATIONAL PROTECTION POLICY. I AM JUST SPINNING MY WHEELS SINCE 2017. NOW THEY SAY SO MUCH TIME HAS PASSED, IT HAS BUT I AM THE ONE PAYING THE INTEREST ON THIS TIME FOR FRAUDULENT CHARGES. IT IS COMMON IN A 3RD WORLD COUNTRY FOR THIS KIND OF THING. IF DISCOVER LOOKED REALLY OR TRIED TO UNDERSTAND IT IS ALSO IMPOSSIBLE FOR ME TO WITH THE DOC I SHOWD TO SPEND THE DISCOVER PORTION OF OVER 5 THOUSAND AND THE XXXX XXXXXXXX XXXX AND XXXX PORTIONS OF HUNDREDS MORE AT THIS TINY PLACE. I OFFERED A SETTLEMENT, AND DEMANDED NO INTEREST AND EVERY REPLY I GET IS FROM A DIFFERENT PERSON AND NO ONE PERSON LOOKED AT THIS GROUP OF FRAUD CHARGES FROM THIS ONE MERCHANT SO NOTHING WAS HANDLED OR INVESTIGATED REASONABLY. I HAVE NEVER DISPUTED LARGE CHARGES, I HAVE WORKED HARD, OWNED MY OWN BUSINESSES, PAID ALL ON TIME WITH THEM NEVER FOR PERIODS HAD LARGE BALANCES, BUT PAYING THIS 5 PLUS THOUSAND TO THEM AND THE INTEREST IS NOT JUST OR ACCEPTALBE.
Product: Mortgage

Mr. Cooper has been in charge of and has handled my escrow account from the time they purchased my mortgage, they handle my Private Mortgage Insurance ( PMI ), Hazard Fire Insurance through XXXX XXXX XXXX, my Wrap-Around Hazard insurance through XXXX, and my county taxes. They failed to pay my XXXX XXXX XXXX insurance by XX/XX/XXXX even when they knew the expiration date was approaching. My XXXX XXXXXXXX XXXX expired XX/XX/2024. I paid my insurance on XX/XX/2024 ( I was notified by XXXX XXXX XXXX that my insurance will be cancelled if not paid and there is no grace period ). Mr Cooper policy states insurance will be paid 10 days prior to expiration date, Mr. Cooper failed to follow there own policy and would have made me lose insurance coverage for my home if I had not caught their mistake.

Mr. Cooper sent me notice of expired insurance on XX/XX/XXXX ( well past the actual expiration on XX/XX/XXXX ) and asked for proof of insurance. 
I sent proof of insurance on XX/XX/XXXX to Mr. Cooper and got confirmation that they recieved my proof of insurance. The document that I sent states in bold letters " THIS IS NOT A BILL ''. Mr. Cooper ( without informing or asking me ) took it upon themselves to pay in full my insurance that I had already paid, at this point my insurance is double paid and my escrow account is missing {$2100.00}. On XX/XX/XXXX I talked to three different individuals at Mr. Cooper, I asked them to cancel the transaction on their end and refund the {$2100.00} to my escrow account. Mr. Cooper told me they couldn't do anything about the transaction and I would get a follow up email within 5 days. It has been greater than 5 days and my account is still missing {$2100.00}. My XXXX XXXX XXXX XXXX does not show any activity from Mr. Cooper, only the payment that I myself had made. {$2100.00} is in limbo from my escrow account and Mr. Cooper has stated they can't help with the issue. Another concern is that I would not have had insurance on my property between XX/XX/XXXX and XX/XX/XXXX had I not caught Mr. Cooper 's mistake. I ultimately wish to close my escrow account through Mr. Cooper, they have proven themselves incompetent with handling my accounts and can not be trusted to handle finances or pay my debts. I am concerned I will incur fees, and interest when Mr. Cooper fails to pay my insurance or property taxes within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time asking for an investigation of a XXXX XXXX XXXX XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. Equifax, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and Equifax always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my TransUnion report to show XXXX and Equifax that this account was deleted.
Product: Debt collection

IQ International is trying to collect a debt that is the wrong amount. I have disputed this matter and I dint get any satisfaction. I have provided them with cancelled checks that i paid a security deposit to XXXX apartments that was not deducted from the amount they have on my credit report. I also disputed this with all the credit agencies and only one agency sided with me and erased the debt. My credit report shows that i owe XXXX, that is incorrect. They sent me an invoice that does not deduct my security deposit. I got turned down for a homebuying loan today due to this debt.
Product: Debt collection

I received an email this morning stating that I was now enrolled in direct debit by AES to repay my student loan. Someone at AES broke the law as I never agreed to a repayment plan in the amount listed, I never signed any repayment agreement for the amount listed, I never consented to be enrolled in direct debit. Someone at AES committed a crime by using my bank information to take money out and direct the funds to AES. I have contacted the FBI to investigate and prosecute whomever conducted this illegal activity and authorized the illegal activity.
Product: Debt collection

I received a letter from a company that I have never heard of named Stuart-Lippman and Associates , Inc stating that I owed an amount of money to a company that I also have never heard of, named XXXX XXXX XXXX XXXX. This was XX/XX/2018. I called them immediately and found out it was a debt collection agency based out of Arizona. They were very adamant with receiving payment and did not provide me with clear information as to why I owed the amount. Also indicating that it would affect my credit report if I did not pay. After the back and forth they agreed to send me more information which I then informed them that my lawyer will be happy to receive it. A few weeks go by and I still have not received anything until a full month later, XX/XX/2018. They send another letter identical to the first one. It was not the information that I was told I would receive. I am now speaking to my lawyer anyway and of course reporting it to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by requiring that i mail my request for something that should have been done over the phone or online.
Product: Credit card

Dear Sir/Madam, I am writing to express my profound dissatisfaction with the heartless and unprofessional treatment I have received from American Express during a particularly challenging period in my life. As a long-standing customer, I am appalled by the lack of empathy and support provided by your company. 

Unfortunately, I have been experiencing significant health issues recently, which have forced me to take a leave of absence from my job for a couple of months. During this time, I have diligently tried to manage my financial responsibilities despite my circumstances. Understanding the importance of maintaining my financial obligations, I reached out to American Express on XXXX separate occasions, explaining my situation and requesting a temporary arrangement to make smaller monthly payments for the next XXXX months. 

Regrettably, my requests were met with refusal, and I was persistently asked to make the full payment, which is currently beyond my capacity. I find this response not only heartless but also entirely unprofessional. It is deeply disappointing that a company of American Express 's stature would demonstrate such a lack of understanding and flexibility, especially during a time when customer support and compassion are most needed. 

I have always prided myself on being a responsible individual, striving to meet my obligations and avoid causing any inconvenience to others. The fact that American Express has shown no willingness to work with me during this difficult time is both disheartening and distressing. 

I urge you to reconsider your stance and provide a more compassionate and supportive approach to customers facing genuine hardships. Additionally, I believe that this matter warrants an investigation for potential consumer exploitation. The current approach taken by American Express is not only unfair but also fails to align with the principles of good customer service and support. 

I hope that this letter serves as a wake-up call for American Express to reevaluate its policies and treatment of customers in distress. I look forward to a prompt and favorable resolution to my situation.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items 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
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit card or prepaid card

XX/XX/2018 XXXX  took money off two of my cards. I contacted them multiple times about this to dispute it. They disputed it and gave me my funds back twice which was an error on their end. However, they added the funds back to my balance with interest fees. Ive contacted them to do something about it and asked to speak with a supervisor and Ive got nothing.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the presence of fraudulent items on my credit file. Despite my previous attempts to address this matter, the inaccuracies persist, causing significant harm to my credit score and financial standing. 

There are items on my credit report that are the result of identity theft or fraud. These inaccuracies have been impacting my credit score and causing distress. 

I have submitted dispute requests along with supporting documentation to prove the fraudulent nature of these items. However, I have not received a satisfactory resolution to date. 

The presence of these fraudulent items on my credit file is adversely affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I am requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the investigation 's progress and resolution. It is crucial for me to receive assurance that these fraudulent items will be promptly removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX XXXX for {$180.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, Transunion, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX XXXX . I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Debt collection

Americollect debt collectors- Says for medical- XXXX maybe XXXX Have had medical insurance for many years due to medical conditions Tried to dispute they always deny. Says it meets requirements. 
They have 2 repeat bills- same bill twice $ XXXX and another i think {$67.00} 9 bills total.
Product: Debt collection

After initially telling Transworld Systems , Inc. that I was in the process of disputing the claim with my insurance provider, they called a few more times, but were not pushy after I explained what that I was still working through the process with my insurance provider. Then, upon the final decision by my insurance provider, I tried to go online to the site and with the registration # provided to me in the letter from Transworld. The website address was correct, but when I tried repeatedly to enter my registration code and information, the message that I had an invalid registration kept popping up. I used 2 different computers and 3 different web browsers and still never could log in to pay the bill. I called 2 different numbers provided by Transworld for help logging on to pay the bill. They were never helpful about my login issues and kept pushing me to pay over the phone and kept saying they'd send a confirmation letter to my mailing address. I knew from reading complaints on the CFPB website that those letters often never came. I want to pay it in full, online, so I can print out the confirmation page myself to turn in for my HRA account. These conversations happened Friday, XX/XX/XXXX. The amount owed is {$2000.00}. As it stands today, I still can not log on and pay my bill using the information they've provided in a letter and over the phone. I want to pay the bill and I can pay the bill in full, but I will not do it over the phone as I do not trust this company. I will pay online where I can print out proof of the payment. The first person I spoke with was not helpful regarding my log-in issues and just kept pushing me to pay online. I hung up and called another number and that person at least tried to tell me he'd " reset my registration code and that it should work now ''. The new code he gave me didn't work either - it seemed he just made it up on the spot - and then he kept pushing for me to pay online as well. Again, I do not want to give my credit card information over the phone to this company. I will pay online only.
Product: Mortgage

I was told by PHH that they had received my Authorization release form signed and completed. XX/XX/XXXX letters from PHH dated XX/XX/XXXX XXXX XXXX stated they needed more time they would reach out and hope to resolve this by XX/XX/XXXX XXXX2nd letter from PHH dated XX/XX/XXXX XXXX XXXX more time is needed XX/XX/2020 *3rd letter datedXX/XX/XXXX she stated no proof of payment XX/XX/XXXX.not true " see bank statements '' payment out and payment return.. 

XX/XX/XXXX I called PHH spoke XXXX Agent # XXXX was told to have my Attorney to call them to do payment plan ... this is nuts TIME IS STILL CLICKING ... 
I also told him. I was just going to send payment anyway. I didnt this are the very practices why I had to file for protection ... 

3rd Complaint ... .Please help XXXX XXXX Widow of XXXX XXXX XXXX , US XXXX XXXX XXXX XXXX XXXX XXXX