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

I received a promotion by mail for an American Express card. I have repeatedly asked American Express to stop sending me advertisements. Today, i received another card promotional advertisement to XXXX XXXX XXXX XXXX. I told American Express after i was sent and denied my last application to stop sending me these mailers. American Express has sent me another mailer, even after i have made multiple requests for this action to discontinue. I have also registered my name to stop receiving these and now American Express uses the deceptive practice of mailing to my business name, which still requires my SSN which i have expressly requested stop be included in promotional credit card offers.
Product: Student loan

Left school in 1998, owing approx {$42000.00}, was injured and un-employed for over 8 yrs, contacted XXXX XXXX, asking about insurance on the loan. I was told that I would have to exhaust all other postponements and extensions before filing on XXXX insurance on the loans, consolidated my loans and use all of the deferments and exhaust all other programs to postpone payment before they would file on XXXX, did as they asked. XXXX XXXX never filed on any insurance and I now owe over {$100000.00} in student loans, due to fees and interest applied. If XXXX XXXX would have done as they said, I would be student loan debt free, but I am not and under constant threat of legal action. They have been exempt from federal lending and collection laws, so finding an attorney to help has been impossible!! I am now trying to work and re-build my life and credit. I am not able to purchase a home, due to debt to income ratio and credit scoore with an {$100000.00} student loan debt looming. I just want to pay what I should actually owe, approx {$25000.00} and move on with my life. No one will help me stand up to XXXX XXXX Navient now. I would n't have to have paid this kind of fees and interest on a 30-year mortgage, heck, the XXXX does n't even charge these kinds of rates. Please help or advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX Co XXXX Was removed from 1/3 of the major credit bureaus therefore this account should be removed from the 2 others clear indication that there are in accuracies being publish on my consumer report.

Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX  || Date of inquiry : XX/XX/year>
Product: Debt collection

I am writing on behalf of my mom 's estate in regard to the very poor service with events after her passing. I called XXXX after her passing and spoke to a XXXX rep in the deceased section around XXXX/XXXX/16. I asked that the card be cancelled and the final statement be sent to us to pay. I noted our intent to pay in full at that time, even though the XXXX rep noted we were not personally obligated to pay, only the estate was. The rep noted that a statement would be sent shortly and cancelled the card. 

XXXX did not send a final statement to us until XXXX/XXXX/16, only after a follow up call to XXXX on XXXX/XXXX/16. I was upset after having received a number of debt collection calls from DMC, which XXXX uses with on closed deceased account holders. 

We subsequently learned ( XXXX XXXX - XXXX/XXXX/16 ) from XXXX that the account was written off and turned over to a collection firm ( DCM Services XXXX XXXX XXXX XXXX MN XXXX ) that XXXX uses. 

The DCM firm stared to call around XXXX/XXXX/16 leaving no messages on why they were calling. Finally DCM got thru to me on XXXX ( DCM ref # XXXX ) to explain why they were calling. I told them we had not received the proof or support of a final statement, until I had proof it we would not pay. DCM noted they would put in a request to XXXX, which did not happen. The only thing DCM sent ( XX/XX/XXXX ) was a letter asking for info on whom to contact for payment. 

I then started to get daily calls on the matter, each from different persons at DCM, each one wanted to know when we would pay up. My response was send me proof of a final statement. Finally on XX/XX/XXXX the DCM rep started to ask about my mom 's estate and her assets that could be used to settle the amount. Which was very unprofessional. I told them I was ending the call. 

I then called XXXX direct on XX/XX/XXXX the XXXX rep was very helpful and noted that XXXX did not follow thru with our initial request of XX/XX/XXXX for the final statement and they would get one out shortly. I finally received it on XX/XX/XXXX and have enclosed the final check ( # XXXX ) in the amount of {$550.00}. As I refuse to deal with DCM. Please inform DCM that the amount has been received and paid in full and they are not to call us further on the matter. 

I would like a letter from XXXX that notes receipt of the {$550.00}, no further payment is due and DCM has been advised that no further calls are to be made to us. 

I will be filing a formal complain on DCM with the CFPB and states consumer affairs departments for XXXX and XXXX where I reside on the behavior of DCM and XXXX on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

On XXXX XXXX 2016 I placed a stop payment for a transaction from XXXX XXXX. The stop payment was setup incorrectly by the bank ( wells fargo ). Instead of the bank addressing the error. I was told I had to file a claim under the regulation E guideline. The bank admitted it made a clerical error. However they are stating I have to file a claim for a electronic transfer. I believe this is a bank error and would like to have it addressed as so. 

The clerical error is that the XXXX TRANSACTION was present as XXXX however was setup as XXXX. 

If the stop payment was setup correctly the transaction would have not posted to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Report XXXX I recieved results from a dispute of an item placed on my report from I.C . System Inc sharing that the company did not have a collection agency lisence in Georgia or Illinois and could not report any debt to my credit report.I also did not give written consent for this debt to be reported on my credit report. I asked them to research and provided the proof from XXXX consumer access. Experian only updated the account by increasing the owed balance, with no research or proof of research done regarding the collection agency license or written consent to report according to 15 USC 1681 Section 604 A Section 2 and 15 USC 1681 B permissible purpose. 

On XX/XX/XXXX, I disputed again Report XXXX : asking for proof of lisence of collection agency and again it was never provided or researched as the XXXX  Consumer Access clearly shows they do not have a collection agency license in Georgia or Illinois . They allowed XXXX XXXX XXXX to update the account again by increasing the debt by {$5.00} thus harming my credit. 

I am asking that Experian provide proof of research, remove from credit report, and pay me for damages to my credit report.
Product: Debt collection

They use different numbers and called at all hours of the day. The amount constantly changed and nothing ever felt accurate. I was also contacted through my work number from another company.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} inquiries XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : NONE XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX  Employers : XXXX XXXX
Product: Debt collection

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me.

To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : 1. The Original purchase agreement or contract.

2. Details of the terms and conditions 3. Documentation supporting the accounting history including transaction history Please send the requested information within 30 days. I appreciate your cooperation and look forward to your prompt response. 

Thank you. 

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

I had a lease vehicle for 39 months with RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC in XXXX on XX/XX/XXXX and it was financed by XXXX XXXX XXXX. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the 39,254 that was allowed, back to RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC, without purchasing another vehicle. My last payment to XXXX XXXX was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped XXXX  points. Upon opening the app, I discovered that XXXX XXXX XXXX has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and I found out that my car was grounded with XXXX XXXX on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( XXXX ), someone called from RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. 
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. II am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Radius Global Solutions has attempted to collect a debt by placing the debt collection efforts on my credit report. Radius Global Solutions never contacted me and writing or provided me the opportunity to dispute the debt. In an attempt to dispute the debt, I sent a validation request to the address provided on my credit report. The certified letter came back as undeliverable. Even in an attempt to validate the debt, the debt collector refuses to provide a valid address.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$6600.00} XX/XX/2019 My name is wrong on the credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX Employers I have never worked for : XXXX, XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX. 
Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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

CREDIT BUREAU ASSOCIATES located at XXXX XXXX XXXX, XXXX, GA XXXX has never sent me a notice, but has reported a past due balance in the amount of {$750.00} I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Student loan

Navient collection agency has been sending extremely important emails to an out dated email adress that I had removed from my account back in XX/XX/XXXX. I had just gotten my student loans out of default. It was then transferred over to Navient. I updated all my contact information including email, address, and phone number. It was then I was told that there was a grace period while they figured out how much my monthly payments would be. Well XX/XX/XXXX comes around and I still hadn't gotten any form of communication from them. I try to login to their website and naturally forget my information so I recover it and receive emails on my updated email address. When I get on it turns out I'm 4 months behind and have had payments due since XX/XX/XXXX. I was shocked and confused so I log on to my old email address, I don't use anymore, and sure enough they'd been sending all the payment due emails to that even though that email isnt even on my account anymore. Still as of today, XX/XX/18, they are sending all of the important emails to that account. I've been working really hard to get my finances under control and get my credit score up and feel like this is a sneaky tactic to try and keep me in debt to them.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXXXXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or there about I submitted a dispute and it did not get removed when it Cleary was mistaken, it is in the letter I am attaching and the company representative said it clearly is to be removed
Product: Debt collection

On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. 

This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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  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 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 or 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: Credit reporting or other personal consumer reports

So I disputed a reporting because the same company XXXX XXXX XXXX had reported on my credit that XXXX XXXXXXXX XXXX debit was theres it got removed because at the time XXXX XXXX was still sending me bills saying I owed them fast forward XXXX  years they put the same one on there when I disputed again they sent a paper say that its a new debit from XXXX with a date of birth an issue from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX