23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX   XXXX   alleges that I owe them {$1200.00}, after becoming unemployed and divorced after leaving an abusive relationship, notified them under the FDCPA that they were to cease contact with me until I became employed again. They proceeded to continue calling me at unreasonable times, and even called my sister and discussed my debt with her. They agreed to stop calling me eventually, and then my ex-landlord notified me that I had been subpoenaed, and when I called   XXXX   they told me that they could no longer speak with me about the case and referred me to their attorney. They insist they 've contracted my case out, but I think that 's just a loophole to getting out of saying that they sold my debt. Weltman-Weinberg & Reis made first contact with me via law suit, in a different county than I reside, and are suing me for {$1200.00}, but insisted on a phone call & emailed documents that my balance was over {$1500.00}, but they 'd settle for {$1000.00}. The last two statements I have from  XXXX  has a balance of {$860.00}, as does my record from my   XXXX   credit report. I also have a receipt from a cashier 's check my mother paid to   XXXX   a month before the final statement/credit report, and I believe the outstanding balance is reflected by   XXXX   XXXX   's incompetence to secure my account payment and interest on that balance that should have been paid.   XXXX   nor Weltman Weinberg & Reis can provide me personally with statements regarding when these balances occurred, and my experience with these organizations sounds eerily similar to two recent federal law suits brought upon this debt collection agency. Please somebody help me.
Product: Credit reporting or other personal consumer reports

I want this XXXX XXXX  deleted from my account Reported on XXXX XXXX and on XX/XX/year> I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize.
Product: Debt collection

I made XXXX previous reports about this issue and may have more information to add. Please refer to your file number XXXX and a report about what seems to be a phishing scam with the FTC number XXXX about a company calling themselves XXXX. Now on Saturday XXXX XXXX, we have received a similar call asking for the same XXXX party and where the party works etc. The number was from XXXX at Online Information Services, XXXX, NC and the main number is according to what i found on the internet, XXXX. They did not state why they want information on the XXXX party, and were told we do not know the XXXX party. I believe the call from this company and the other calls are connected, because the callers are asking for personal private information about the same XXXX party. This company did not say they were a bill collector, but from what i found about them they are a debt collector. I XXXX and found numerous complaints with the XXXX in North Carolina. What they are trying to do is get someone at my residence to share personal and sensitive and confidential information about an unknown XXXX party. We are also on the Do Not Call Registry
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been using XXXX XXXX but was switching services as they continually were adding random fees to my bill each month. I also didn't need cable any further so was trying to switch to internet only from another provider. I had paid all my bills and returned all equipment but they still said I owed 1 month of bills although the service was not in use for that month. Also every time I called in, XXXX would try to put me in a new 2 year contract even though I was just trying to understand and get rid of these random fees they would apply monthly. XXXX reported that I was delinquent to the credit bureau and as soon as I was aware of this I paid the 1 month balance to not impact by my credit score. My credit score from this 1 delinquency went from XXXX to XXXX at 1 point in time. I would like for this to be completely removed from all my credit bureau
Product: Credit card or prepaid card

American Express Travel is playing three-card monty with credits accrued because of COVID-interrupted travel in XXXX. They are denying travel insurance and creating artificial barriers to me redeeming trip credit incurred from cancelation of travel in XXXX. 

AMEX Travel has taken my money yet provided no service for it. 

I also feel AMEX membership policies are extortionate because I was told that to maintain these travel credits I had to continue to be a PAYING card member. This is unjust because I no longer wanted to be a member, but was financially obligated now to pay the smaller ( yet sizeable ) annual fee just to have the privilege of using my refunded travel. 

Their card-members travel portal is a scam, because if I had booked directly through the airline XXXX XXXX XXXX ) I would have received a full-cost universal voucher. 

In XX/XX/XXXX, I booked return flights for a wedding ( on my card in my name ) for my family from FL to XXXX, XXXX on XXXX XXXX during XX/XX/XXXX. Total cost was {$3100.00}. Because of travel advisories and restrictions issued by XXXX and XXXX ministries we chose to cancel our flights, ostensibly under the trip interruption/cancellation coverage as card members : " If you purchase a round trip entirely with your eligible Card on or after XX/XX/XXXX, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to {$10000.00} per trip and up to {$20000.00} per eligible Card per 12 consecutive month period. '' ( https : //global.americanexpress.com/card-benefits/detail/trip-cancel-interrupt-insurance, XX/XX/XXXX ). I was told by one 'supervisor ' a flight being cancelled because of federal travel restrictions isn't covered. Their best attempt at justification was " this is an unprecedented situation '' to which I replied, " yes, and that's why we buy travel insurance ''. 

I have tried 3 times over the past year to redeem these credits on XXXX XXXX flights and am told that they can not be redeemed except individually. I have asked to have the total credit, less than a new flight, applied to a trip for just my daughter and wife and they will not. 

I have attempted to speak with supervisors who place me on hold and seem to just wait me out because I have a business to run and family to spend time with, rather than sit on hold for HOURS at a time. I have also been told that AMEX TRAVEL supervisors don't have the ability to call people back. So I believe this is a tactic from a floundering company to not have to live up to their service agreements. I have also been told by AMEX Concierge that AMEX Travel will NOT give card members the phone number for insurance ... this too sounds like shady business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts that are affecting me and I still have no response, I also have inquiries from 2018 and other unauthorized ones.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the civil liability that has been attributed to me under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I believe that this liability has been assigned in error, and I would like to provide you with the necessary information to resolve this matter.

About 6 months ago iI received notification that I was being held liable for [ specific issue or error ]. After thoroughly reviewing my records and the information provided, I have determined that this claim is not accurate due to the following reasons : The amount it shows is not accurate and when I tried to dispute it, it didnt fix anything instead equifax kept making me change my password so I wouldnt be able to file a dispute. 


Furthermore, I urge you to take the necessary steps to ensure that this erroneous liability does not negatively impact my credit report or financial standing. As per the FCRA, I am entitled to a prompt and thorough investigation of my dispute, and I expect to receive a response within the statutory time frame. 


Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

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

Yes I have a XXXX account on my credit report that does not belong to me and I will like this to be validated and need something with my signature on it saying I opened this account.. I gave no one permission to open this account and will like it deleted from my credit profile
Product: Credit reporting or other personal consumer reports

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically XXXX consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Product: Debt collection

To whom it may concern : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my
credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.
Product: Consumer Loan

For the XXXX time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was XXXX. As of today, XXXX, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the XXXX payment was due XXXX & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on XXXX, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a XXXX stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over {$12.00} for XXXX XXXX although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income XXXX check ) to the paperwork. I do n't receive a XXXX check at all. I have never dealt with anything of this nature in my life.
Product: Credit reporting or other personal consumer reports

I dont recognize any of these lenders and I dont remember authorizing them to perform hard inquires on my credit report Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 

: XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX These companies are reporting fraudulent inaccurate Information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and XXXX on XX/XX/2017. 

Dept of Ed / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the XXXX court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

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

Experian, XXXX, and XXXX have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX XXXX, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX**** XXXX
Product: Mortgage

I experienced an extremely poor customer service from Citizens Bank. 

First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). 

Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XX/XX/XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a student loan refinance w/ XXXX XXXX XXXX a division of XXXX XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking 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 ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Mortgage

I sent a insurance check in for endorsement on XX/XX/XXXX iao XXXX with a next day XXXX  shipping label. The insurance portal states this should have been a sign and go transaction, however it's now eod on XX/XX/XXXX and I still can not get a definitive status on returning check. I was told several versions that the supervisor had escalated and was resolving issue and the XXXX was improperly tagged to a old XXXX claim. My roof remains open taking on additional weather damages and contractors have been pushed back continously due to Shellpoint Mtg Servicing Loss Draft Department delays. 
Loan ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX/XXXX/24 XXXX XX/XX/24 XXXXXX/XX/XXXX XX/XX//24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX