23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My XXXX score is XXXX. I strongly disagree with this score as it should have been more than 800. I have never been a defaulter & my all past records are good. I want clarification of having poor score.
Product: Debt collection

I signed up for a time share and immediately after signing up for the time share my credit card was stolen. I reached out to the XXXX XXXX by XXXX XXXX and informed them my card had been stolen and I needed to update my credit card information. I was told that my credit card information had been updated and payments of {$210.00} would be taken out of my account for the first 6 months then it would swtich to {$97.00} monthly. I reached out to XXXX XXXX XXXX XXXX in XXXX and informed them that my payment had not came out my account and was informed the {$210.00} had been pay off and the {$97.00} should have came out in XXXX. I let them know the payment had not come out and they said they will look into it, I was not aware that two different companies were handlng these transactions until a received a threatening email to put negative marks on my credit. I reached out the the Monterey Fianacial several times and was unable to get ahold of a rep. I responded to the email letting the company know that i was unaware the ACH did not transfer over the this company and I willing to make a payment for the two past due payments of {$97.00} and the company refused to take my payment unless I pay all the fees. I asked for statement of the fees and I was told they dont provide that unless I pay {$10.00}. 

I asked for any letters that they sent to my home stating I needed to updated my credit card information and they told me they dont send letters to a person home that is in the contract I signed. I asked could they resend me the letter they sent to me via email saying that I needed to updated my credit card information or I will be charged fees she said they only send contact us letters. I informed the rep thats not true I just received an email stating that I owe {$290.00} and you are going to put this on my credit report. 
I informed the lady, I am willing to make a payment today for the two past due payment but I was under the impression when I updated my credit card information the payment were being taken out. I would like those fees waived and any fees after this I would be responsible for and she refused my payment saying they would only take the ayment if I pay the full amount.

Refusing to send a statement breakdown of the fees owed and not taking my payment unless I pay these fees and you have not proven to me that I owe them is a deceptive practice. In addition these payments stated 6 months after I signed the initial ACH so to not notify me that these payments are coming due via email or regular mail is deceptive. In addition not being informed that I need to update my credit card information with Monterrey at they time when I updated my credit card information is deceptive as well and a easy way for a company to collect unwarranted fee from customers. 

There is a whole XXXX group complaining about these practices and someone should probable investigate what is going on with this company.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. ''
Product: Debt collection

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my Equifax, XXXX 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit card

In XXXX 2016 while shopping in Macy 's the cashier offered me to open a n XXXX XXXX Macy 's credit card. I accepted and has been approved. The cashier gave me a temporary pass and said that the new card will come in a week. Unfortunally, the cashier did not verified my address which has been changed in the last two years. I never received a card nor a statement. Because of this I missed the payments. I was contacted by debt collector, then I called XXXX Macy 's customer service and explained what happened. They changed my address and sent a new statement with Fees listed. I called the company many times explaining that the late payments were not my fault, I paid in full the balance of the goods I purchased and I am still am harassed by the bills every month, and they did never send me a credit card. I would appreciate the help in this issue. 
Thank you.
Product: Checking or savings account

I opened a checking account at Suntrust Bank with my mom on XX/XX/XXXX because my sister was stealing my mom XXXX with the other account she had opened with my sister. I tried to access the account online on XX/XX/XXXX and both accounts were listed. That is not a problem because XXXX XXXX at the branch where we opened the account said we needed to do that because my mom 's ssi check was going to be deposited on the XXXX and we would not have time for then to make that change. So, I agreed. On the afternoon of XX/XX/XXXX, I tried to access the account again. This time only the old account showed up. I tried several times and same thing. I call customer service and they indicated that the account was being terminated with no other explanation except I would get a letter and they would mail the funds to my mom. I asked to talk with someone from the fraud department and they said I could not talk with them which is XXXX!!!!!! I ask again and she told me to talk with a branch which again is XXXX. how are they going to know. 
my sister steals thousands of dollars from my mom with no fraud and im trying to take care of my mom and im trying to do the right thing and they freeze her account. I am beyond XXXX right now. the account had {$2100.00}. I get no phone call, not questioned when opening the account, nothing. I have read this happening to other people as well, but when it really does happen example my sister they do n't do XXXX. I want you to know this is the nice version my wife would n't let me send the other.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, 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 a account without my written instructions
Product: Debt collection

Balance {$3900.00} Balance updated XX/XX/ Original balance {$3900.00} Original company is XXXX XXXX XXXX XXXX and they sold my debt to Southern Management Systems. I have disputed this off my credit numerous times but they keep updating the balance and the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear all, I need your help as my credit score is keep going down without knowing why this is happening. I tried to access my credit scores to no avail. Can I get them and check what is the cause of this decrease?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with your company.The line of credit I have with your company, is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : XXXX XXXX XXXX, your company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The cfpb closed my compliant without anything being done which is strange because I just submitted it.
Product: Mortgage

On   XXXX   XXXX    2017, I  contacte d Wells Fargo B ank regarding my current balance increasing. I was told that the increase was due to a new Mortgage Analysis schedule. This would make  XXXX  analysis within  12 mo nths. I was told the same thing last year, which they change the schedule last year. I was told I was l ucky because I would not go through another analysis until 12 m onths. On   XXXX   XXXX  , I received another call stating that they were still researching the issue and would provide me with an answer as soon as possible. As of   XXXX   XXXX    2017, I  have not received any status or documentation from them explaining why I received another Mortgage Analysis.
Product: Credit reporting or other personal consumer reports

After sending multiple written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXXXXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 card

Dear XXXX, I received an email from American Express to offer me a new Business Gold Rewards Card. The welcome offer for the card, as described in the email, is to get XXXX Membership Rewards ( R ) points after I spend {$5000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. My application must be received by XXXX XXXX, 2015 to be eligible for this offer. 

I was not sure if I need the card but though the welcome offer was generous and finally applied the card and got approved on XXXX XXXX, 2015. 

However, 3 months after I met the spending requirement, I did not receive the XXXX Membership Rewards ( R ) points so far. I have contacted American Express many times ( through phone and online chat ), but never get the issue solved. They told me my welcome offer was XXXX Membership Rewards ( R ) points after I spend {$10000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. And, since the 3 months already passed and I spent less than {$10000.00} on my card, they can not offer the XXXX Membership Rewards ( R ) points. 

Although I still has the email and offered to forward them the email, but they never asked for the email. They simply declined the welcome offer they sent to me. 

Please help me to make American Express do what they promised. 

Thank you very much.
Product: Student loan

Hello, my name is  XXXX   XXXX . I have tried to no avail to get assistance with AES/ XXXX  customer service on so many occasions that I can not remember them all.   I have been told that my account was so far gone that even if I did make payments the interest alone was so high that I would not be making payments on the loan amounts for a long time. I have tried emailing, calling, and sending requests through the online mailbox on website. As you can see, these loans have been in existence for some time. I decided to go back to college and get my special education license to be able to make more income and do the job that I loved. Through those college years, I was only offered forbearance 's and deferments on the loans indicated below and as you can see the balance of each loan has either doubled or tripled in size, the payments are more that what any college graduate could possibly pay with no jog right out of college, and no other options were given from  AES an d I have contacted  XXXX  Several times as well. I do not know what to do about this situation.  XXXX  has ruined my credit by placing prior accounts into default on my credit report when in turn they were just being transferred to another servicing company for their accounts. I get no help or attention from the customer services nor any advice about how to help.   I have had to dispute abou t 8  different postings to my credit that were not even supposed to be there to begin with. Some of them have been repaired but I am still filing to get the others reconciled but I feel that even though they are reversed they still remain there as a reminder that I should have been more informed about private loans and done something different.     Date Disbursed Loan Program Original Balance Current Balance Outstanding Interest Interest Rate Monthly Payment Past Due Current Due  XXXX   XXXX / XXXX / XXXX  AADTC {$12000.00} {$18000.00} {$170.00} 6.500 % {$100.00} {$100.00} {$100.00}  XXXX   XXXX / XXXX / XXXX  AASC {$11000.00} {$22000.00} {$93.00} 11.750 % {$220.00} {$0.00} {$220.00}  XXXX   XXXX / XXXX / XXXX  AASC {$18000.00} {$32000.00} {$130.00} 11.500 % {$310.00} {$0.00} {$310.00}  XXXX   XXXX / XXXX / XXXX  AASC {$9500.00} {$15000.00} {$57.00} 10.740 % {$130.00} {$0.00} {$130.00} I do not know where else to turn or what to do. I guess bankruptcy that would definitely negatively affect my credit because they have given me no other alternatives.   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am seeing many accounts reporting on my credit without all the correct information. I have requested proof for how they are being reported on my credit but not once have I been provided any of it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of CFS XXXX joint account of around {$18000.00} that was opened under my name and social security number by my father. This loan was created without my consent, and I did not agree to co-sign or have any involvement with this. This account was opened in XXXX and I found out about it in XXXX XXXX XXXX. After all these years I was unaware of any missed payments, and as a result, the loans impact on my credit report is unfair and inaccurate.
Product: Debt collection

I am writing to formally lodge a complaint regarding the illegal and unethical practices of JMS Associates , Inc., which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I have documented the following instances of harassment and misconduct : Unsolicited Calls : Starting on XX/XX/year>, I began receiving calls from various phone numbers associated with JMS Associates , Inc . Despite not having any outstanding debts, I was repeatedly asked to pay {$5000.00} immediately under the threat of a lawsuit. 

Failure to Provide Proof of Debt : I explicitly requested written proof of the alleged debt during these calls. However, JMS Associates , Inc. failed to provide any documentation supporting their claim, as required by law.

Threats and Intimidation : During one call, the debt collector claimed to have knowledge about me and threatened to file criminal charges. Such behavior is both inappropriate and illegal. 

Harassment through Multiple Channels : After I insisted on ceasing phone communication and demanded that any future correspondence be conducted via mail, the company disregarded my request and continued to harass me with phone calls and emails. When I asked for their license number to verify their legitimacy, I received a vague and evasive reply instructing me to call them regarding an " urgent legal matter. '' Given these circumstances, I firmly believe that JMS Associates , Inc. is engaging in fraudulent and abusive debt collection practices. I do not have any outstanding debts and have maintained a perfect credit score. Their persistent harassment and baseless threats have caused significant distress.

I respectfully request that your office investigate this companys activities and take the necessary action to prevent them from harassing me and others in the future. Additionally, I ask that JMS Associates , Inc. cease all forms of communication with me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

Also, XXXX must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form XXXX, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report. 

Companies that mark accounts as charged off take advantage of XXXX forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of XXXX XXXX XXXX ).
Product: Debt collection

send a letter and email and a fax to Protfolio Recovery Associates LLC for Validation of  debt on the XXXX  of XXXX  and they still call my house and still reporting on my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX You are furnishing 2 Addresses on my consumer report Delete the below outdated and inaccurate address from my consumer report. I can not receive any mail or legal correspondence from the below address, this information is being reported as my address and that is inaccurate and outdated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
XXXX. My only Phone number is XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employment section. I do not work or have any affiliation with these companies. 
This information is inaccurate. XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX v. XXXX XXXX XXXX XXXX XXXX. The Bureau and the FTC filed an amicus brief with the U.S. Court of Appeals for the XXXX XXXX arguing that the Fair Credit Reporting Acts requirement that consumer reporting companies investigate consume that consumer reporting companies investigate consumer disputes applies to disputes concerning personal identifying information, such as name, address, and Social Security number information. Please send an updated credit report once the changes are complete to my contact information listed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The apple card doesnt allow for any customer authorized data sharing. So I am unable to import it into my bugdeting programs without manually entering each transaction.
Product: Vehicle loan or lease

I can account for my payments and I have the receipts showing my payments. When I went out of town that's when this bank came and took my truck. I then went and filed a bankruptcy and the stated they already sold m truck. There is something illegal going on.