23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear recipient, I, XXXX XXXX XXXX, acting as the representative of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, am writing to express my dissatisfaction with the conduct of AMERICAN EXPRESS. This complaint pertains to the agreements outlined in the recent presentations, which were sent to AMERICAN EXPRESS via registered mail with tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certified mail numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. 

I can confirm that the registered securities, accompanied by the Instructions and XXXX XXXX XXXX, were dispatched to AMERICAN EXPRESS on XX/XX/2024, and the receipt of this package was duly acknowledged. However, AMERICAN EXPRESS has responded with multiple letters referring to different dispute reference numbers, none of which are functional. Furthermore, the account number XXXX indicates that no open dispute is on record, despite the disputed amount of {$41000.00}. Consequently, the account has been blocked and rendered unusable. 

According to the terms outlined in the XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AMERICAN EXPRESS was expected to provide a response within ten days, by XX/XX/2024. Regrettably, we are now one day past the agreed-upon deadline, and AMERICAN EXPRESS has failed to provide the appropriate documentation to honor the agreement. Furthermore, AMERICAN EXPRESS has neglected to send a detailed letter explaining any potential delay, as was previously suggested. Instead, they have sent correspondence unrelated to the matter at hand. 

I kindly request that you thoroughly examine the communication sent via mail, utilizing the registered mail references mentioned above. Please review the terms and conditions established by XXXX XXXX XXXX XXXX concerning this issue. I appreciate your attention to this matter. 

Thank you for your time. 

Yours sincerely, XXXX XXXX XXXX Agent of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account numbers : # XXXX, XXXX
Product: Student loan

Called AidVantage on XX/XX/18. After being on hold for an hour, spoke with a representative who would not tell me why my loan, after being consolidated, was being transferred to another servicer. Also would not help to cancel an IDR plan and switch to a different repayment type. Representative then disconnected the call as I was in the middle of asking a clarifying question regarding my loan transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd submission that I am filing to notify Experian and XXXX Bureaus that I am a victim of identity theft and I sent this submission to dispute certain remaining inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of any information in my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. Also, the reporting details you provided on some inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. : XXXX XXXX  XXXX XXXX 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: Student loan

I was a struggling XXXX XXXX XXXX when I was working on my XXXX XXXX. When I graduated I knew I was interested in the PSLF program. I reached out to my current loans and consolidated with FedLoan Servicing in 2012. I was really struggling financially to pay bills, feed my family, etc so I reached out and asked about my options and told them I HAD TO CONTINUE getting credit toward my 120 payments. I was advised to take an economic hardship and that it would count toward the 120 qualifying payments. I was told by MULTIPLE workers at FedLoan and therefore wasted years of time as they are now saying it doesnt count. I am begging for the DOE and FedLoan to count those payments, so many of us are counting on them. We were lied to. We were told wrong information numerous times. We were misled. We will now be putting our family in yet another financial hardship because of these lies. I have stayed with my non-profit company BECAUSE of the PSLF program and now I am back to square one. Please make them do what is right and what they said to all of us from the beginning. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against TransUnion, XXXX, and XXXX, alleging systemic issues, such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses and failing to notify consumer of dispute outcome. These failures align with my experience when TransUnion, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputedaccounts as TransUnion, XXXX, and XXXX inaction violate the federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I called Experian to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that Experian is violation of FCCA.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX account XXXX XXXX  # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX 15 U.S.C1681 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 items of information, other than records of convictions of crimes 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransUNion a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  indirect XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX The response I got from transunion was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to  XXXX ,  XXXX , and Experian that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my  XXXX , Experian, and  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order The f ollowing credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )  XXXX   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )    XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )
Product: Debt collection

Aargon Collection Agency provided a statement of account from their client, XXXX medical labs, attached. 
No attempts at collection are noted on the statement. Just Charge Off - Bad Debt. 
I was not aware of this XXXX or that they were providing services for one of my providers. 
I requested the verification of debt from Aargon and attempted to resolve the debt with XXXX as they recommended. I was unsuccessful with XXXX and was referred to the collection agency. 
No insurance activity is noted on the XXXX XXXX XXXX statement and the XXXX  and /or XXXX should have been fully covered by my insurances. 
Please assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the feedback response from TransUnion, It's completely False resolution. I contacted TransUnion as advised by TransUnion on my last dispute and was informed by the representative who said his name was XXXX at the beginning of call, and at the end of call said his name was XXXX when I bought it to his attention he disconnected the call on XX/XX/2019. I recorded the call and informed the TransUnion rep that I was recording the phone call which I have forwarded all phone records, not accessible transunion website for me to view, check status on a dispute or start a new, and all submitted complaints that I have submitted to CFBP and TransUnion response to my attorney. 1. Transunion has continously denied my request for proof of Method of Investigation for accuracy. 2. Provide me with original documentation from the furnisher of creditor reporting signed contracts with my Full Name, Full Social Security Number, Full Date of Birth, Full dated Signature with my Name on it. 4. Told TransUnion XXXX e-system is NOT ACCEPTABLE!! 5. Transunion representatives in disputes istated repeatedly, that US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE with the phone number is address is whom you should call because they're reporting the information to TransUnion. I informed the representative that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE has reportedly stated to me over the phone and in person that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE HON NOT REPORT TO ANY CREDIT REPORTING AGENCIES OR THIRD-PARTY VENDORS AT ALL. I PROVIDED DOCUMENTATION REGARDING THAT. SINCE CFBP WAS NOT HELPFUL IN INVESTIGATING MY COMPLAINTS NOR HAS TRANSUNION ADHERED TO ANY OF MY DISPUTES THAT IS A DIRECT VIOLATION TO FCRA RULES 609, 623, 607, 611, 613 & 605, WILLBE HANDLE BY MY ATTORNEY.
Product: Credit card

I paid off my card and emailed customer service. They told me to pay the final balance which I did but they kept charging me fees which caused my credit score to be lowered by XXXX points. 
XXXX XXXX, 2016 XXXX ET so is my account closed or is there still a balance owed? 
Customer Service XXXX XXXX, 2016 XXXX XXXX ET Thank you for taking the time to respond to our most recent reply. It 's my pleasure to assist you with your request. 
Our records indicate that your account was closed on XXXX/XXXX/2016 and you have a remaining balance of {$6.00}. Your payment due date is on XXXX/XXXX/2016. You can make a payment through online or by calling our Customer Service at the phone number listed below. 
If you have further questions or comments, please contact Macy 's Credit Customer Service online at http : //www.macys.com by selecting Macy 's Credit Card , or by telephone Monday through Saturday XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXXXX/XX/XXXXand was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.
Product: Credit reporting or other personal consumer reports

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 payment 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.

This company 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: Mortgage

My mortgage is currently with Citizens One. 
I received notice, XX/XX/XXXX that my payment, due to escrow, is increasing by more than {$200.00} per month. 
I tried to get online to check what was happening, login failed. Called Citizens One for assistance. A 10-minute call dealing with an automated menu loop, which became degraded and kept looping back to the previous menu. Hung up and called again.

This time I got a person, breaking up in the connection. Explained that I was unable to log in. She informed me they would text me a code. Since I have a landline, text wasn't possible. She informed me she was unable to help me. I let it go until today. 
Called today after getting another notice about my payment increasing. 
Called ( XXXX ) XXXX and again, continuous automated menu loop! Just kept trying different menus until I got someone. 
Explained, tried to with a poor/breaking connection, what I was asking. All a got was to apologize for the poor connection, which had to be terminated. 

My issue is that I receive a Form 1098 from them every year they acquired the account, XXXX. Under the Escrow Reconciliation, it shows that every year a balance of at least {$1100.00} is carried over. and my payments are increased!

I receive a Homestead exemption every year, which is not reflected in the property tax amount. For the last 2 years, the state has given me another tax exemption in addition to my Homestead.

I want to know who has my overage?

The State Treasurer is supposed to send back to the institution any surplus.

I have been unable to get any information about my money.

I had contacted the State Dept of Revenue, they are looking into it. 
But still unable to get anything from Citizens One! 
Franklin Mortgage had it before, they would send a check-in in XXXX for any overages. Citizens One has sent only notice of increase of payment. 
The new payment for escrow will exceed my mortgage principal payment and my income! 
I want to know where all my escrow money is going? Is the State keeping it? Or Citizens One? 
Either way, there is no way to make an {$850.00} payment on Social Security. 


Copies of letters and Form 1098 can be attached as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX account in XXXX thats is still NOT being reported on my Experian and XXXX Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I informed XXXX, XXXX and Equifax that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and Equifax said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX High Credit : XXXX : {$500.00} XXXX {$0.00} Equifax ; {$300.00} Last Reported : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender XXXX Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX Equifax ; Account transferred or sold Charged off account Date Last Active : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Date of Last Payment XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX
Product: Credit card

I applied for a received a new credit card from Citi. I applied using my personal cell phone number. When I received the card, I tried to add it to my XXXX wallet and the text wasnt coming through. I called citi and they have the nerve to tell me my phone number isnt verified and they need to send me something in the mail. THE SAME NUMBER I USED XXXX OPEN THE ACCOUNT. Same number I use for my other accounts. Now the XXXX credit card is also blocked and they want me to wait for 10 days for them to send me snail mail. I applied for this card to pay my taxes which is due in XXXX weeks and who knows when this will be resolved. So a major cc company this is unacceptable and incompetent and borders on unlawful!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ NCB MANAGEMENT account number XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ NCB MANAGEMENT account number XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ NCB MANAGEMENT account number XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F.

3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ NCB MANAGEMENT account number XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection.

4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ NCB MANAGEMENT account number XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ).

These actions by [ NCB MANAGEMENT account number XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws.

I also ask that you ensure [ NCB MANAGEMENT account number XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ NCB MANAGEMENT account number XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I received several different letters. The last letter that I received was XX/XX/year>.
Product: Credit card

Someone opened a credit card account without my knowledge. I reported it to capital one and they were able to close the account.