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

American Express cancelled all my credit cards when there was not a single payment default or delay or non payment for last 11 years. 

American Express agent totally mismanaged one of the new XXXX XXXX credit card ending XXXX, they offered me while I was abroad. AmEx agent took my bank information to establish Auto Pay, she told me it was the condition for this card. 

I was abroad and had to no access to this account to check whether there was an Auto Pay established for this card. AmEx also sent the card and statements to registered address not my operation address, so my office had no information about this card. 

Our registered office sent me a photo copy of non payment notice ; I immediately contacted American Express Business Corporate service from overseas and agreed in writing to make a fixed monthly payment as suggested my them. AmEx continue to receive this fixed payment as agreed. 

However, due to total disconnect between their Corporate Customer Service and Credit card collection service cancelled all my AmEx credit cards. I personally spoke with them and told them it was their agent who made the mistake not me but no effect on them. 

American Express credit services wouldn't agree to their mistake even though it was against the current credit card California regulations. 

This was a very bad example of American Express treating their customers rudely and with total disregard to Californian Regulations.
Product: Credit reporting or other personal consumer reports

I have pulled my most recent credit report and I've noticed a few unauthorized inquiries. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ), legally all unverified and unauthorized items must be removed within four days. I have never opened an account or received any goods, money or credit from the following companies : 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 Kindly either remove the specified inquiries or furnish evidence of a legitimate contract, agreement or application.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. Attempting to collect payments that do not belong to me. If not resolved, I will sue for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company equifax is reporting fraudulent inquiries on my consumer reports that violates my consumer rights under the 15 USC 1681b Permissible purpose of consumer report.
Product: Debt collection

According to 15 USC 1692 ( C ) you have violated my rights by unlawful communication please remove this collection ( court costs, inquiries etc ) off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder of the Living Man to create a LEGAL PERSON for USURIOUS CONSIDERATIONS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our trusts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  unjust treatments
Product: Credit card or prepaid card

XXXX  credit card through continental finance has charged me a late fee for a card I made a payment on that they never took. Every month I've had issues making payment on this card and no corrective action has been taken on XXXX  side to assist. Precious payment in XXXX and XXXX I had to call them over the phone to make..In XXXX I had to call twice because it had been over 5 days and the payment was not pending or posted. they claimed there was an issue when I called on XX/XX/XXXX but they NEVER contacted me in any form to let me know there was an issue. So I would have been charged a late fee had I not called back. In XXXX after month of having issues adding my valid XXXXXXXX XXXX account to pay ( routing number issue ) I added another bank and made the payment. Only for it once again to NEVER post. I have now been charged a late fee by the company. Despite having made a payment. XXXX  has done everything to ensure I can't make effective on time payments Attached you will find my call logs to XXXX  to make payments and ask questions about the account. What happens when I try to add my valid account information and proof that there were funds available in the XXXX account when I made the payment.
Product: Mortgage

Originally asked for a copy of the appraisal 3 days before settlement, I was told I would get a copy at settlement. I had applied for a XXXX loan. 
Then I found a different loan officer who stated he would charge lower fees and lower interest rates Again, I told the first loan officer I wanted a copy of the appraisal. XXXX said I never paid for the appraisal and had XXXX him the cost of appraisal and credit check fees, and he would send me the appraisal right away. That was XX/XX/XXXX, I have called and texted and sent him emails asking for the appraisal. In the last conversation I had with him he told me : " I am to busy now " So XXXX XXXX still has not sent me the appraisal. 

Loan Officers name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Kohls credit card. The first time I did I didnt get it. So I called them they said that they would send another one. Didnt receive it either. But it shows on my credit. It hasnt been used as far as I know. I want this canceled and off my credit.
Product: Mortgage

My complaint is in regard to the settled CFPB vs Wells Fargo settlement. 
File # XXXX I have spoken with Wells Fargo and they state all related checks have already been sent out. 
I have not received any check or correspondance from Wells Fargo up until XXXX XXXX. I believe I fall within all parameters to warrant compensation.
Product: Debt collection

My daughter has a small student loan for which she selected to pay the interest as she moves through school. I am the co-signer. She forgot and fell behind 30 days. Sallie Mae called my cell phone on XXXX, XXXX XXXX, 2015, XXXX times, my home phone XXXX times, my daughter 's cell phone XXXX times. All were robo-calls asking to be called back between the hours of XXXX and XXXX Monday to Friday. We had already made the payment the day before, but there was no way to stop these phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian and XXXX for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian and XXXX violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my complaint is regarding the unauthorized reporting of bankruptcy on my consumer credit report and/or credit file, which I did not consent to nor was I properly notified about. 

Violation Details : It came to my attention that both Experian and XXXX have listed a bankruptcy on my consumer credit reports. This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit, and it has caused me undue stress and financial hardship. 

Previous Attempts to Resolve : I have previously attempted to resolve this matter directly with Experian and XXXX, but to no avail the issue was not resolved Despite my efforts, the issue remains unresolved, and this information is still present on my credit reports. 

Requested Resolution : I respectfully request the CFPB to intervene and facilitate the removal of the bankruptcy information from my credit reports maintained by Experian and XXXX. Additionally, I seek assurance that such errors will not recur in the future and request to be informed of the steps taken by these credit reporting agencies to correct this issue. 

I trust that the CFPB will take my complaint seriously and assist me in rectifying this situation as swiftly as possible. I look forward to your response and am hopeful for a favorable resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Its been 3rd day now and i did not receive the money that was sent to me, i received an email from XOOM that says it was deposit in progress and after that there were no more updates. Sender said it was sent successfully but I did not received anything.
Product: Debt collection

We received an email from Cedars Business Services LLC XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, asking for a total of {$1900.00}, related to a speeding ticket issued in XXXXXXXX XXXX XXXX, XXXX. In the attachments are the email and letter received in the mail with the details of the case ( Their file XXXX, Account # XXXX XXXX, principal balance {$1900.00} ). 
I am not familiar with this situation so I did some research with the XXXX XXXX in XXXX XXXX  and XXXX. We cross email, and also included in the attachment. The recommendation was to pay immediately, thing that we did. 
We sent a Wire transfer of XXXX euros to XXXX XXXX according to the instructions on their web page, and also included in the attachments. 
The debt collector is sending us emails, and letter by mail asking for the payment, that is was already honored and commented by the XXXX ( people in charge for the collections in XXXX ) representative, as mentioned in the emails. 
Also in those emails, the comment that they will report to the XXXX XXXX XXXX, that the debt is fully honored and no more pending on our account as reflected in the attachment notes. 
In XXXX magazine there was a good article on debt collection, so we decided to contact You for help in how to be removed from this process
Product: Debt collection

All payments were made on time i demand that my credit file report true and accurate information under FCRA 15 USC 1681
Product: Student loan

I WAS NEVER UNDER TH IMPRESSION THAT I WERE USING ALL LOANS TO COVER SCHOOLING. I WAS UNDER THE IMPRESSION THAT I WAS USING FINANCIAL AIDE AS WELL.i NEED TO KNOW WHY WERE SO MANY LOANS BEING USED.AND AFTER SCHOOL I FIND OUT THE CLASSES WERE NOT  ACCREDITED. PLEASE CONTACT ME XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. These accounts need to be blocked or removed from my report. Please see this matter are attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Student loan

I received confirmation that my application to be put on the SAVE plan was accepted in XXXX XXXX My first payment under the plan was made successfully in XXXX XXXX. 

In XXXX I receive a letter stating that I was being placed in administrative forbearance and that no payments would be due until XXXX XXXX 

On XX/XX/XXXX I log into my account to find that I had been removed from the SAVE plan without my consent or knowledge and placed back on the level plan and that I had a pending application for the SAVE plan. In addition it showed that a payment on the level plan was due in XX/XX/XXXX which I had missed because I was not informed of any of these changes. I promptly made the missed payment on that day XX/XX/XXXX in order to alleviate any negative affects it may have my account. I I proceeded to call Mohela on XXXX XXXX XXXX  and requested information as to why I was removed from the SAVE plan and had a pending application for same without my consent. The representative could not provide any information as to why this occurred. I was told to wait for the current application to be processed. It is XX/XX/XXXX as of this writing and the application has not been approved and my account still shows a payment being owed at the end of XXXX under the level payment plan. I have since resubmitted the SAVE application yet again in an attempt to return to the plan
Product: Mortgage

XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. 
My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. 
I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-
Product: Debt collection

I was sent a letter by XXXX XXXX XXXX , XXXX that stated that a lawsuit was filed against me as the defendant and Midland as the plantiff. I called Midland and they said that yes they filed a lawsuit but I never received anything in the mail or was served a summons. XXXX, an employee at Midland, stated that it was filed but was not entered yet. I asked for the case number and she stated that it had n't gotten that far but, XXXX XXXX XXXX has a case number. The case number that they said was filed was XXXX. XXXX at Midland stated that the case was sent to the District Court of Maryland XXXX County but they do not have a case number and that the case number should appear in a couple more days. She said the case was filed on XXXX/XXXX/2015. I went on Maryland Case Search and have not found such a case number. I was scared that they would garnish my wages as the letter from XXXX XXXX XXXX said could happen. I agreed to terms that was out of my realm of ability to pay based on the lawsuit that Midland and XXXX XXXX said was filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rewatched out to all credit bureau about disputing items. XXXX and XXXX have Deleted numerous of things that could not be verify but experian has everything on my credit report as negative and five of them are actually in good standing. Experian never verified any documents stating that those accounts belong to me. I sent experian certified letter after letter and they will not fix this problem.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

I purchased my owner occupied home in XXXX XXXX, CA XXXX in XXXX. 
I used 80/20 financing from XXXX Mortgage/Litton. 
I defaulted in XXXX. 
I was negotiating a loan modification with Litton. Later Litton sold the 1st XXXX to Ocwen who modified my loan in XXXX, writing off about {$350000.00} of principal, lowering my loan amount from about {$570000.00} to {$220000.00}. I had to " earn '' this reduction by making timely payments for 3 years, etc. 
Now I have discovered that Ocwen did not eliminate the 2nd ( from the original 80/20 purchase ). 
I believe a case can be made that Ocwen should have eliminated the 2nd at the time of the modification. 
By not doing so, Ocwen effectively transferred the equity/benefit of the Principal Reduction to themselves! I believe it is irrelevant that Ocwen does not own the 2nd : the current holder of my 2nd, XXXX XXXX presumably paid good money to someone for it because they are demanding {$110000.00} from me! So something that had no value was given ( my ) value fraudulently. 
I believe Ocwen was " paid '' by the US Government to provide me with this loan modification because I believe it was the result of a settlement with the US Justice Dept. whereby Ocwen agreed to do penance by offering loan modification to atone for its sins. 
So I believe a case can be made that Ocwen defrauded both me and the US Govt. XXXX/Litton XXXX al is also guilty because someone sold a worthless 2nd that is now worth {$110000.00}. 
The 2nd XXXX had no value before the principal reduction and should have been eliminated if Ocwen had used a modicum of common sense. If they had notified me, I could have negotiated with the 2nd, just as is routinely done in Short Sale transactions were is it almost universally true that XXXX sign off for nothing or close to nothing because if the 1st is underwater and doing a Short Sale, the 2nd is worthless. 
It seems to me that a case can be made that Ocwen had a duty to me because since they were modifying my loan they were in the similar position of a Mortgage Broker or Bank with Superior Knowledge. 
It seems to me this is a possible test case/ class action case. There must be many defective loan modifications out there similar to mine where the banks defrauded the US Justice Dept and the borrower. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Student loan

Upon seeing that Aidvantage was my loan servicer, I created an account and set up automatic payments. As I had cash on hand, I attempted to pay {$3000.00} towards one of my loans, the one with the highest interest rate, to get a head on its interest accumulation. On XX/XX/XXXX I submitted this payment. A few days later I noticed that the money had not been taken from my bank account. On XX/XX/XXXX I had assumed I made an error typing in my routing number or similar. I entered it in a second time taking considerable care to ensure it was correct. I thought that should be that, and when I checked my account on XX/XX/XXXX, I saw that once more the payment was reversed. I called Aidvantage, but after an hour on hold without having spoken to a person, I had to go back to work. On XX/XX/XXXX I resubmitted my payment, and noticed that interest had begun accumulating on the original loan amounts, which I had been trying to avoid for two months now. A further attempt to contact the Aidvantage today had been similarly fruitless, and now at the recommendation of family I am filing a complaint.
Product: Debt collection

Hey my name is XXXX XXXX I have been exposed to the XXXX XXXX breach and I have a collection and credit inquiries that does not belong to me that I would like to get removed off my credit report and I have a collection for a credit card as well from the same company on my credit report I'll like to get removed as well. The company name XXXX XXXX and its a balance XXXX $ and another one for XXXX $ from XXXXXXXX XXXX, I would like to get them removed immediately off my credit report please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous contact with Experian on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : These accounts are not mine, and I request its removal from my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ), ( XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}, Original Creditor : XXXX  ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00}, Original Creditor : XXXX ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and ( XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ).
Product: Credit card

My issue is that on XX/XX/XXXX my engagement ring/bridal set was purchased. The associate in the store made XXXX of the diamonds fall off by putting it on a machine. That resulted in it having to be sent in for repair. Since it had to be sent in, I asked for it to be souled together as well, so that I would n't have to get it done another time. It was supposedly sent out that day, which I do n't think that it was. I was told that I would have it back by Wednesday or Thursday. It was n't. I was told that it would be back on Monday. It was n't. I am just now finding out that it has n't left the repair shop, they could n't provide me with a tracking number backing up their claims that it would be in on XX/XX/XXXX and I was n't told how we were going to be compensated or reimbursed for the headache that all of this has caused, lack of correct information. It is ridiculous. I spent XXXX in that store and this is the thanks that we get. I do n't appreciate it at all. I could n't find the XXXX complaint page, so I started here. I opened up a Kay Jewelers credit card specifically for this purchase, and that is what it was paid with. There are too many apologies and not enough action, therefore I am filing this complaint. 

Oh and my partner and I have another account with Kay Jewelers that was paid and closed in XX/XX/XXXX. They are reporting that account as late. I am attaching the proof of that to this complaint. All they have to do is update the payment history with the bureau as positive and they chose not too or give me the run around. I am not pleased with that. I would like that issue resolved as well.
Product: Prepaid card

I purchased 4 Visa gift cards from XXXX on XX/XX/year>. I saw that two of them had been tampered with. The last 4 digits of the card of the card was scratched off and the CVV code was also scratched off. I contacted Incomm the same day notifying them of the problem. At the time of the call, I was told that the balance was still on the cards and that I would get replacement cards in 7 to 14 business days. I kept calling and getting the run around to keep calling back and look for my cards in the mail. Today, I received an email denying my claim and stating that my balance would not be sent to me. I am now requesting a full refund with fees. I no longer want the replacement cards after waiting over 30 days for a response. My ticket numbers for these claims are XXXX and XXXX. I also purchased two cards today with the same issue. I would like a refund for those as well because I don't believe that they will replace my cards after the first claims. The claim number for the new one are XXXX and XXXX.