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

I called prior to making a large purchase to inquire about financing and was instructed that 12 months interest free payment plan would be honored for apple products regardless of where they were purchased as long as they were purchased on the Goldman Sachs Apple Card. I was instructed to call back after purchasing the apple product from XXXX and they would convert it into monthly payments. After making the purchase I called in and was told they would not convert it into monthly payments. I asked to be transferred to a supervisor and was told the same thing. I believe there is a pattern to induce consumers to make purchases under misleading guidance from an Goldman Sachs employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX woman who had a XXXX XXXX XXXX who was ruining my credit, I have disputed things in the pass from her stealing my identity and she is in custody as of X/XX/2017 ..Since then I have seen new inquirys pop up that I need removed, some of the same ones I just had removed I do n't understand. She finally been caught and I should not have this problem anymore please remove these inquirys this stress has made my hippa very severe please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit card or prepaid card

I made an extra {$100.00} payment on XX/XX/XXXX that bounced so a hold was put on my card, even though there was no payment due at the time. I called to remove the hold and the rep told me to make a minimum payment and the hold would be removed. I made two payments, both for more than the minimum payment on XXXX and XX/XX/XXXX. The hold was still active. I called again to have the hold removed and was told by a different rep that it would come off on XX/XX/XXXX. I didnt have any payments due and had made more than my min payments. Ive been a customer less than six months. I spoke with a supervisor who was not helpful so I simply closed my account. She made no attempt to remove the restriction nor to retain my business.
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX  XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.
Product: Mortgage

Since XXXX, we have been trying to communicate with Wells Fargo I refuse to call them as every time I call them. I get some XXXX that doesnt understand and then puts me through one other person one other person one other person I dont get just one person to handle this case at all, its always some random XXXX so now I just start faxing things plus if theyre not willing to call me why should I call you but every time when I fax something I dont hear from them and then I get the same blanket letter in the mail of what I just sent them the facts of the information so clearly nobody is getting information. Today I will be sending two faxes of the same facts that I just sent a month ago because clearly no one is getting it through their XXXX head. Lady piece of XXXX bank that my daughter who works at a bank even her boss the XXXX said that Wells Fargo is the number one worst thing in the country.
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$1000.00} with Big Picture Loans on   XXXX   XXXX  , 2017. I could not access my online account so I called one of their representatives to obtain my login information. She instructed me to use my email address and social security number as my login information which I did while on the phone with her. Once I logged in, I was able to see the payment terms and schedule ( which was extremely high and usury ) and told her I did not want the loan. She said that it was fine and to call them if I changed my mind. On   XXXX   XXXX  , 2017 Big Picture Loans deposited {$1000.00} into my account. I immediately contacted them using their support email address and informed them that i did not approve the loan and to reverse it and take the money out of my account. After not seeing the money removed, or obtaining a reponse, I contacted them by phone and went through an arduous process of verfication, two calls to my bank, before they agreed to remove the money. They informed me that the money would not be removed until   XXXX   XXXX  , three days later. I told them that was unacceptable and said that I wanted to pay it back to them at that moment, using a card that was attached to the same account where they deposited the funds. They refused to accept the payment and told me that if the funds were not available on the  XXXX , then I would be bound by the contract. i again offered to pay the money back while on the phone and told them that I could not assure them that the money would be there on thr   XXXX    because of transactions going through my account. They once again reiterated that if it was n't I would be bound to the contract.
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I believe this is an infair business practice in so man y ways but the main issue that i have is that they gave me money that i did not request, and have now threatend to bind me to a contract that i did not want, sign, or approve simply because I may not be able to return the money they put in my account without my approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Portfolio recovery, and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX XXXX, Portfolio Recovery, and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. XXXX XXXX Portfolio Recovery, and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, XXXX number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. PRA GROUP XXXX File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NEW YORK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, I trust this letter finds you in good health. I am writing to bring a matter of utmost concern to your attention, pertaining to inaccurate reporting and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I find myself entangled in serious issues with American Express, resulting in discrepancies in financial matters and credit reporting that demand immediate attention and resolution. 

On XX/XX/2022, a Motion to Dismiss and Compel Arbitration was initiated. Unfortunately, the plaintiff failed to respond to the filed motion. Consequently, the case was stayed for 60 days from the date of the order 's entry ( attached herewith ), allowing American Express the opportunity to submit the case for arbitration as per the agreed terms. The court retains jurisdiction, and the aforementioned case shall be reinstated upon motion either after the completion of the arbitration process or after the expiration of 60 days. Notably, American Express did not pursue arbitration within the designated timeframe of 60 days. 

These inaccuracies, characterized by my account being labeled as " Closed, '' " Late, '' and a balance being indicated on my credit report, have significantly and adversely impacted my creditworthiness. Such erroneous reporting stands in direct violation of both the FDCPA ( 15 USC 1692K ) and the FCRA ( 15 USC 16810 ). 

Despite my persistent attempts to address this situation by reaching out to American Express, a resolution remains elusive. In light of these circumstances, I am now turning to the Consumer Financial Protection Bureau, seeking your intervention and assistance in facilitating a swift and equitable resolution to this matter. 

I kindly implore your expertise to investigate and address the issues raised above, rectify the inaccuracies, and uphold the principles of the FDCPA and FCRA. Your support is instrumental in resolving this issue fairly and promptly.

I addition Civil Action 22A:02434-3 is currently under litigation. On XX/XX/2022, a Motion to Dismiss and Compel Arbitration was initiated. Regrettably, the plaintiff did not respond to the filed motion. Subsequently, the case was placed on a 60-day stay, commencing from the date of the order 's entry ( attached herewith ). This stay was intended to allow American Express the opportunity to pursue arbitration as per the agreed-upon terms. The court maintains jurisdiction, and the aforementioned case will be reactivated either upon motion following the arbitration 's completion or after the lapse of the 60-day period. It is noteworthy that American Express did not initiate arbitration proceedings within the stipulated 60-day timeframe. 

Thank you for your consideration of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint due to the companies lack of valid debt as well as their refusal to acknowledge a dispute. I contacted this organization on XX/XX/18 at XXXX XXXX to advise them of a dispute in regards to 3 accounts that they allege is owed. Upon advising the company that I am disputing these accounts and that they contact their client to discuss the reasons, I was advised that I need to explain my dispute to the rep or my dispute was not valid. I again advised rep that her personal opinion as to whether or not I have a valid dispute is irrelevant and all she is being advised to do is Dispute the account accordingly. She refused to do so. I then advised company that they no longer are to contact me via phone or mail at which time again I am advised that they do not need to acknowledge my dispute or demand they cease and desist and I need to send them something. Since they are refusing adamantly to address their improper records for 3 accounts that are disputed this complaint is being filed. Hopefully this company and its employees will correct their incorrect demands as well as cease from ever contacting me in any form whether phone, mail, email or any other methods. I will also demand that no negative marks be placed with the credit bureaus due to this companies erroneous and frivolous accounts or a lawsuit will be filed due to violations of FDCPA as well as FCRA requirements.
Product: Debt collection

I pulled my annual credit report from XXXX, XXXX, and XXXX on XX/XX/year>. I disputed this charge from Credit Management Co. in the amount of {$660.00}. I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX, stating Debt Verification Form. I did NOT give this company any information, as I did NOT even know this was on my credit reports. Patient 's name is NOT my own. On all XXXX of my Credit Reports the Debt Collection is listed as Credit Management Co mailing address XXXX XXXX XXXX XXXX XXXX XXXX PA. The letter I received in the mail has an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX. This is inaccurate information that these Debt Collection Agencies are reporting on my Credit Reports without my permission, as I never gave them my personal information such as Social Security Number, DOB, etc. This negative reporting is currently hurting my Credit Score, causing me unnecessary stress, infringing on my Consumer Rights. I am requesting immediate removal YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctrine of estoppel by silence. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. 

XXXX XXXX XXXX & Credit Management Co are in violation of the following law when my nonpublic personal information was shared infringing upon my rights as a protected consumer. 15 U.S. Code 6801- Protection of nonpublic personal information The violating party ( s ) is not in accordance with any and all laws regulating disclosures in these protected consumer/investor events. These actions have caused serious harm in the midst of my financial reeducation and addressing the negatives of my consumer credit report. I believe my experience is indistinguishable from identity theft and negligence of the consumer reporting agencies. Due to my current credit status being 545 by the harmful violations of these two companies, I have not been able to enjoy my rights to do business nor enjoy products or service acquired by my credits held in trust, by way of applying with my social security card.
Product: Bank account or service

Today is Saturday XX/XX/XXXX. Last night I tried to make a online payment. It did not go through so I tried to log into my bank account using my phone app. The app said I needed to update my password and wanted to send a confirmation code to phone numbers that were not mine. I went to the bank first thing this morning. The assistant branch manager sat with me and looked at my checking account and we saw that a XXXX withdrawal from paypal hit my account on XX/XX/XXXX, followed by a {$150.00} withdrawal, neither which I had any knowledge of. I contacted XXXX, while I was sitting at the bank this morning, and verified that the charges were coming through because the hacker knew my bank account information. The assistant branch manager spent an hour with me filing the fraud complaint. It dawned on me to look at my other XXXX savings accounts. Turns out the new savings account I opened on XX/XX/XXXX with a {$25.00} deposit, had been drained by the same XXXX withdrawee on XX/XX/XXXX, two days after I opened the account. We then spend another XXXX minutes filing the fraud complaint for the savings account hack. The reason I came into the branch on XXXX was to get a card replacement because mine was cracking in half. On XX/XX/XXXX I was told a new card would be coming with about 5 days. I found out today that the card was never ordered. Today the assistant branch manager offered to expedite the delivery of my replacement card. After I left the branch today, I tried to make an online purchase, and the card did not go through. I called my bank, figuring I needed to authorize the charge because of the fraud complaint I filed this morning. The representative tells me that the bank put a fraud hold on my account last night when I was trying to make an online purchase, because they thought it was suspicious, even though this is a payment I 've made twice I the past with no problems. I asked why I had n't been notified about this potential fraud, and why had n't the assistant branch manager who is sat with for 1.5 hours earlier today, told me anything about the suspected fraud hold placed on my card. She said they had notified me via a phone call. I asked what phone number they called. My bank had XXXX phone numbers on file for me, XXXX of which are completely foreign to me. They called the wrong phone numbers. They are currently unable to tell me how these phone numbers it to my account. I feel that they are bungling the fraud that is being committed against me, and they have also bungled potential fraud that they are misidentifying. I let the operator I was speaking with today know that I would filing a complaint with the CFPB and it was her duty to also file a complaint on my behalf. She said the representative I was being transferred to would take care of that for me. They let me know that our conversations were being recorded. Thank you for any help you can provide in getting this matter resolved.
Product: Debt collection

I.Q. DATA XXXX  Re Acct # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are instructed to take no Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card or prepaid card

While on vacation in XXXX, Florida, I rented a vehicle on XX/XX/XXXX, at the XXXX XXXX XXXX XXXX near the airport. At that time I was charged for a rental period of one week, plus a deposit of {$200.00}, which was to be refunded upon turning in the vehicle. I used my XXXX XXXX XXXX XXXX issued through the XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX I returned the vehicle to the rental agency, where an inspector checked for any damage and okayed the release of my {$200.00} deposit. The deposit would have been credited to my XXXX XXXX XXXX XXXX. 

Upon returning home I found a letter that arrived in the mail containing my new XXXX XXXX XXXX. The servicing of my account had been moved from XXXX XXXX XXXXXXXX to Comenity. After about a week I started looking for the {$200.00} credit to appear in my credit card transactions, but it wasn't there, so I emailed XXXX XXXX XXXX Their customer service rep checked with the XXXX office and verified that my deposit had been released on the day that I'd returned the vehicle. After waiting another week I contacted Comenity by phone and filed a dispute. Comenity does not have an online dispute tool, nor is there any online customer service. After hearing nothing from Comenity for some time, I sent a dispute letter on XX/XX/XXXX to their XXXX, Ohio address listed on my credit card statement. 

Late in XXXX, XXXX, I contacted Comenity by phone to inquire about my dispute. The agent was only able to say the the dispute is still under investigation.
Product: Student loan

hello, i have phoned nelnet repeatedly. 

i get absolutely no where! the people and supervisors who answer the phones are the rudest people ever. i am assuming that it is because you are a private company vs federal. horrible. i can not get any information from them. 

XXXX XXXX. { no one seems to know who that person is XXXX mailed me some paperwork. the paperwork is not cohesive and i would like to speak with " XXXX XXXX ''.