23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have two separate credit cards from American Express that are related to XXXX XXXX XXXX. One is the XXXX XXXX XXXX and one is the XXXX XXXX XXXX card. Each promises to provide a benefit called XXXX XXXX XXXX based on a certain amount of spending on the card. I more than surpassed those spending levels and AMEX even sent me e-mail associated with EACH card proving that my claims as described are true and accurate. 

Nevertheless, they never provided this benefit. Instead, they have obfuscated, lied, used various psychological manipulation techniques to convince me to keep waiting for some new deadline they make up every other week, etc. 

This has been a process that has taken more than a month, and every deadline they claimed I should wait patiently for has now passed. They continue to just put me on hold, refuse my access to any senior customer care reps, and flat out do not provide the benefits they contractually agreed to provide.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Immediate Investigation and Removal of Erroneous Accounts To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws, I am writing to formally dispute and demand the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for This Demand 1. 15 U.S.C. 1666b ( Timely Posting of Payments ) : Under this statute, creditors are required to ensure the accurate and timely posting of payments and other obligations. A failure to do so constitutes a violation of my consumer rights. I have reason to believe the accounts listed above were not handled in accordance with this law, leading to inaccuracies on my report. 
2. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : Under this statute, credit reporting agencies are required to conduct a thorough and prompt investigation of disputes raised by consumers. I demand that each account be verified for accuracy, compliance with all legal requirements, and substantiated with proper documentation. 
3. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : This statute mandates that information furnishers report accurate and complete information to credit reporting agencies. These accounts must be validated by the furnishers, including proper documentation of their legitimacy. If they can not provide such evidence, the accounts must be deleted immediately. 

Specific Demands Verification : Provide complete documentation proving the accuracy and validity of the accounts. This includes signed contracts, payment histories, and any relevant documentation proving the legitimacy of the debts. 
Removal : If the above documentation can not be provided, I demand the immediate removal of these accounts from my credit report as required by law. 
Notification : Notify me in writing of the results of your investigation and any actions taken, within the legally required timeframe. 

Conclusion Failure to comply with these federal statutes and resolve this matter promptly will leave me no choice but to escalate this issue. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities or pursuing legal remedies to protect my rights. 

Please consider this letter a formal demand for resolution and remove these accounts without further delay. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact them several times. They have reported me 30 days late 8 months and I was not late. They keep telling me thy will get back to me but have not heard back. They also reported 60 day late payments 2 years after it was paid off.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly. 

The late payments in question pertain to the following accounts : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Mortgage

Hello, I am about to turn XXXX this year. I have health problems due to XXXX, which XXXX my mother in law and that is how I got behind. My daughter also just passed away recently. 

The reason I am writing this letter is because my mortgage company will not stop asking for the same documents over and over again. This is a huge burden as I have to wait for a ride to the library to fax documents over and over. 

I just want to make my payments again and stay in my home. Even with the death of my daughter I am able to make my payments again, I just need help to become current so I can make the payments. I also have my grandson living with me helping pay - I have sent in his paystubs and his information numerous times as well. 

Please help me as you can see I have done everything you have asked I am going around in circles and just want this to be resolved. 

Any help you can provide will be greatly appreciated. 

Thank you, XXXX XXXX
Product: Student loan

I have 2 federal student loans serviced by MOHELA. When the SAVE plan was announced, I immediately filed an application to switch my payment plan to the SAVE plan, as I would save over {$100.00} a month. MOHELA confirmed receipt of this application on XX/XX/. MOHELA did not process the application in a timely manner, and placed me on an administrative forbearance through the end of XXXX to give them time to process the application. I received a bill for my first payment on XX/XX/, due XX/XX/, with the amount I was paying on my original plan due. The following day, my SAVE application was processed, and my new monthly payment was put into effect, but did not apply to the bill I was issued the day before. 

I called MOHELA and they told me that because the bill was generated before the SAVE  application was processed, they could not retroactively apply the new payment amount to the generated bill. They waited literally 1 day until after the bill was issued to process the application... for an application that I put in several months before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX XXXX with Experian several times each time Experian has changed the account status both creditors have been reporting under XXXX XX/XX/XXXX which does not exist I have told Experian several times XXXX XXXX XXXX was never my address and Experian refuses to remove the address and any creditor that is reporting under that address both creditors we're reporting under a bankruptcy a few months ago the bankruptcy was removed and Experian did not remove the creditors reporting under the bankruptcy they changed both account statuses XXXX XXXX XXXX XXXX XXXX have always report under XXXXXX/XX/XXXX and Experian has always refused to remove any address that does not belong to me
Product: Mortgage

I tried to apply for the loan refinancing with Quicken Loans. During the process I was quoted misleading loan information and untrue APR provider by the lender. When I entered data into the Loan Calculator the difference in cost came out to be {$14.00}, XXXX. 
Loan agent suddenly put me on hold and came back with a totally different ( higher ) APR than I was quoted. When I questioned the cost the agent blamed it on the confusion and bad phone connection. I have not expected dishonest practices from the major Loan Provider like Quicken Loans and was disturbed at that occurrence.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account, XXXX XXXX XXXX Account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert on XX/XX/XXXX about a collection showing on my report that is completely inaccurate. I spoke with a representative on XX/XX/XXXX and was told this information has been on my credit report since XX/XX/XXXX. This is a lie because I pulled my report on XX/XX/XXXX and had no such file. I have attached the current inaccuracy dated XX/XX/XXXX and the report from XX/XX/XXXX. How can you report and verify that this collection has been on my credit report since XX/XX/XXXX but it not be on a report I pulled XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?
Product: Credit card or prepaid card

In mid-XXXX, I was temporarily living in XXXX ( Ive been back in the XXXX since late XXXX ). Apparently because I was living temporarily in XXXX, Bank of America chose to shut down my Merrill XXXX  brokerage account as well as all of my Bank of America credit cards, including some that had unredeemed rewards. They would not confirm for me that this was the reason they closed all of my accounts, but I read similar stories from others in expat situations and even business travelers using their accounts while outside the U.S. 

Anyway, Id really like to have the credit card rewards, such as cash back, that Id earned and that I was never given an opportunity to retrieve/redeem. Id also like the ability to have Bank of America accounts again, especially as my temporary time in XXXX ended in XXXX. Ideally, Id like to have those same accounts re-opened that I used to have. 

Can you help with something like this?
Product: Credit reporting or other personal consumer reports

I have disputed the account of XXXX XXXX XXXX  the bureau of Experian and XXXX about the original contract sing XXXX XXXX  ever received
Product: Debt collection

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Product: Debt collection

A company calling themselves Pioneer Credit calls me with a recorded message every day for weeks ( XXXX ) asking me to call them back at XXXX regarding a debt. Since I do not owe anyone, I do not return the call. However, I would like them to discontinue calling me.
Product: Credit card

In XXXX this year I submitted an online order to Sephora ( card provided by Comenity Bank, Bread Financial ), only to find out the card I had expired XX/XX/XXXX that I'd had since XXXX ). 

I called/ or emailed from my account to customer service in XXXX ( then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ), XXXX times since the card expired, and each time was told a " replacement '' card was to be mailed for the XXXX ( XXXX ) not received. 

I have gone to my local post office to advise the carrier of the situation. The local branch and the carrier have no evidence of ANY cards being received. I've also verified my address with the credit card company. 

NOT ONE CARD has been produced on any occasion that the credit card company SAY they mailed a new card. My box is in a series of locked boxes, and in contrast, another credit card company mailed a replacement after a small unknown charge on the card before. I received that one in 7 days!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove these account before I seek litigation for the defamation of character ) XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Upon checking my credit report on experian, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting. This is a violation of the FCRA and is is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations.
Product: Credit reporting or other personal consumer reports

on my last complaint your organization got my home loan foreclosure removed from credit report ( thank you so much ) now I'm getting rejected from a loan because it's back on my report my house was on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called XXXX and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Im writing to file a complaint against navy federal credit union refused multiple overdraft fees that I have received, despite have sufficient funds when the transactions occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to these companies via the credit bureaus and I haven't heard a response back in over 90 days. I feel like I'm being ignored and punished for something that is completely out of my control. I demand that this incorrect, inaccurate and unverifiable information be deleted from my report. Over 90 days with no response is ridiculous. Why put someone through the ringer whose actually trying to get to the bottom of this?
Product: Debt collection

Back in XX/XX/XXXX, we put in a 60 day notice for move out of our home and we were answered back and it was put into effect that the move out is for the end of our lease term. Now we are being overly charged for early termination fee, rent and utilities for months we did not live there for, services while we did not live there and move out charges that when we ask for what it is, we don't get an answer. I have connected them with a letter of XXXX the XXXX, XXXX. We started calling both the RentDebt and XXXX XXXX to get this fixed and after three " disputes '' and emails from me showing my move out we are still being charged. We sent a Demand Letter for our charges to be removed and our deposit back on XXXX the XXXX, XXXX. I received a call today XX/XX/XXXX, from RentDebt, that we still owe the charges regardless of our proof. We informed them that we will be contacting the Fair Credit Reporting and reporting this wrongful charge. As well as contacted XXXX in one more final attempt to fix this matter.