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

On XX/XX/XXXX, I emailed the executive branch to look into an account that is not mine but they keep validating. They sent me a computer generated letter which they say was the application. It didnt have my signature on it. The address was not mine. A couple days later some account statements came in the mine. I dont know anything about these. On XX/XX/XXXX, I sent the company a debt validation letter. They sent the same information back. My problem is not only have they fail to validate the account they fail to notify the credit bureaus that the account was being disputed during the entire process violating my rights under the FCRA. FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 

On XX/XX/XXXX, I sent them a letter notifying of their violation but all they sent me was a stall letter wanting my signature.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$67.00} XXXX  XXXX XXXX Balance : {$53.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

My father purchased a XXXX amex digital giftcard for me to pay my school tuition with. I was unable to use it online to pay because it kept denying because its a gift card and I dont have a name or address attached to it. Amex states that you can call them and register your card but then when you call they deny and say they are unable to do that. I can not use it in person because no retailer or company wants to just type in the digital numbers. I asked amex to send me a physical card and they refused. I am really annoyed because if you go on the website it states that anywhere online will take it as long as that company takes amex but literally no company or website takes it so I cant use it online or in person because I dont have a physcial card. I am fed up and want my money asap.
Product: Debt collection

In XXXX a suit was filed by Columbia Credit Services XXXX XXXX XXXX XXXX XXXX against me for a credit card loan they allege I owed. Because I was unaware of this action, I did not attend the hearing and a judgement was entered against me for approximately {$7200.00}. The judgement was renewed in XXXX and one final time in XXXX. 

In XXXX, while attempting to qualify for a home loan, it was noted by the underwriter that there was an unpaid judgement against me for approximately {$17000.00}. Because I do not recall ever having a credit line that large ever at that point in my life, I contacted the attorney of record and tried to negotiate a settlement offer so it would not affect my mortgage. The attorney refused and ultimately filed an additional claim for his fees. He was not able to verify the original creditor, the original loan amount, or the high interest rate ( 10 % ) cited in the court filing. Nor did they produce documentation to verify. 

According to the court filing, the original judgement was last filed on XX/XX/XXXX. No more renewals were filed until XXXX XXXX. Because Arizona law requires judgements to be renewed no more than months BEFORE the 5 year renewal deadline this judgement is time-barred and no monger valid. Nevertheless, the attorney has issued a debtors exam summons from the court. Moreover, the fact that they have waited so long ( presumably for interest to accrue ) I feel that this practice is an unfair lending practice.
Product: Credit card or prepaid card

On XX/XX/XXXX someone had fraudulently used my American Express CC and charged {$12000.00} in American Express points. I had contacted AE on XX/XX/XXXX and talked with XXXX who had stated the {$12000.00} charge would be credited and the problem would be resolved. On my XX/XX/XXXX statement the {$12000.00} charge was still on my account along with interest charges and fees. On XX/XX/XXXX I talked with XXXX at AE and she said AE would credit my {$12000.00} charge along with interest charges and fees. She stated it would take 30 days. On my XX/XX/XXXX statement the {$12000.00} charge was credited but there were interest and and fees still on the account - American Express never credited the interest and fees from the {$12000.00}. I assumed AE would credit the interest and fees. In XX/XX/XXXX I contacted AE and XXXX stated the interest charges and fees would be credited back and that my statement balance would be XXXX. She stated it would take 24-48 hours to be corrected and I would get an email showing the credits. When nothing happened in 7 days, I called AE again and talked to XXXX who stated the interest and fees would be credited and it would take 7-10 business days. In the meantime I am applying for a conventional mortgage with my husband to purchase a house. I received a call from our bank that American Express has reported me to the credit bureau and that I have bad credit. This has had an influence on my husband and I purchasing a house! I called American Express again and talked to someone who said it was the Fraud departments 's problem to fix, the Fraud department stated it was the Rewards problem to fix. I asked to speak with a supervisor - actually for the last 6 months - and finally someone gave my " case '' to a " Team Leader '' at American Express. The Team Lead called me back and said all of the interest and fees have been reversed and credited and that a letter was sent to the Credit Bureau stating that but that it would take 30 days. I don't have 30 days - for getting my loan I need this resolved ASAP. My latest statement XX/XX/XXXX states I owe {$250.00}. I also received a letter from American Express that they are closing my account. I need a letter for my bank stating the charges were in error and have been reversed - it was not my fault - and that I have good credit!
Product: Mortgage

It appears that my mortgage may have been transferred to XXXX XXXX XXXX. I was not notified by Ditech. Now I received a statement from XXXX XXXX saying that I owe a mortgage payment by XX/XX/XXXX. but my auto payment was already sent to my old servicer, Ditech XXXX I have no excess funds to pay XXXX XXXX. I would like to know why my mortgage was transferred and if possible, keep my mortgage with Ditech. If not, I would like my XXXX payment sent to XXXX XXXX with no adverse actions on my mortgage.
Product: Credit reporting or other personal consumer reports

Im requesting this complaint to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX and XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address.
Product: Checking or savings account

I have a health savings account managed by Optum Financial as part of my remuneration package from the XXXX XXXX XXXX. I created an online account on XX/XX/XXXX through their portal in order to manage how the funds are maintained and to check balances. Around XXXX XX/XX/XXXX I was locked out of the account and received a summary message that i was not authorized to access the online portal. When i called customer service i was advised that my account was managed by an Optum affiliate but ultimately sent in circles. After days of trying i finally was able to get someone in customer service to reactivate my portal account on XX/XX/XXXX. I was able to update my account information and check balances, allocate an investment plan for the funds deposited their. Near the end of XXXX i was again locked out of the account and again advised that was not permitted to access the online portal. This pattern is familiar to me as i am the target of an economic embargo that is being imposed by malefactors located in XXXX. I litigated there for many years and was forced out in XXXX as a result of XXXX insurance litigation that i led in XXXX XXXX XXXX I have routine USPS, email and mail intercepts and ongoing interference in my professional relationships. I have complained to the CFPB before about my accountant refusing to file my taxes in XXXX XXXX This in my view is related to the same pattern of economic interference. I nonetheless need access to my financial accounts.
Product: Credit card or prepaid card

Hello, I called AmEx today XX/XX/2019 and asked to cancel an account. The account has a zero balance. After validating my identity and the account in question, the rep asked a series of personal questions about future spending habits and travel plans. I asked the rep to just close the account. The rep responded that she has a script she needs to follow and can not close unless I answer these questions. When I refused she said she could not close the account. I asked to be transferred to another rep but the same thing happened. She also refused to close the account unless I answered these personal questions. I then asked them to immediately close the account and hung up. 

There is an annual fee on the account that will be charged in a couple weeks so I want it closed now before that happens.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXXXXXX veteran very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$11000.00} XXXX XXXX XXXX $ XXXX {$3400.00} SUMMIT ACCOUNT RESOLUTI {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian only reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days late.
Product: Student loan

My Daughter asked me to co-sign for a loan for her XXXX program and is still currently in college. 

Firstmark Services has started sending me statements for payments that only have MY name and address as if I am the primary borrower on billing statements. 

My Daughters name is NO WHERE found on this statement... 

They acknowledge the student loan is currently deferred while she is still in school and are telling me they sent her the statement as well.. 

I asked why didn't you include her name on the statement sent to me?, and they say that is their protocol. 

So they are basically sending payments to parents like this as an intimidation tactic to start collecting when they know the loan is deferred.
Product: Debt collection

We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for XXXX after XXXX after XXXX to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION... 

********* just got another phone call again XX/XX/2023 at XXXX another collection call. This rep stated she failed to read the system.. THIS IS RIDICULOUS
Product: Checking or savings account

On XX/XX/XXXX I attempted to order new checks online for my XXXX XXXX Checking account. These used to be free, however the web site said the charges are now {$70.00} for XXXX boxes. I attempted resolutions with the local branch, customer service, and the XXXX escalation departments indicating I never received communication that the terms of the service were changing. Additionally, the Chase web site still indicated that checks are free until XXXX days after filing my initial complaint. Chase has been uncooperative at helping reach a resolution, including a branch XXXX telling me after I indicated I've been a customer for 30 years to " have a little grace ''.
Product: Money transfer, virtual currency, or money service

I put a piano for sale on XXXX on XX/XX/19. I received an email on XX/XX/19 from someone saying they wanted to send a cashiers check, and then have movers pick up the piano. I obliged, but told them if the piano sold first, i would ignore the check. i sold the piano to someone else on XX/XX/19. on XX/XX/19 i received a XXXX cashiers check for XXXX $ from the original buyer, and wrote them and told them the piano was sold, would you like to me to rip up the check. they said " no '', that they were in a bind, and if i would get the movers the money, i can keep XXXX $ for myself for helping them. it sounded like a win/win. i took the check to my local Wells Fargo, and waited until it cleared. On the morning of XX/XX/19, the check appeared cleared in my account, so i went ahead and sent XXXX $ total through XXXX, to two different people, because XXXX $ is the max, and was planning on sending another XXXX $ the next day. Later in the day, around XXXX XXXX, the check was returned, and the XXXX $ that appeared in my account was withdrawn. I had already sent XXXX $ and no one, not wells fargo, or XXXX XXXX, or XXXX wants to help me. the person is not answering my phone calls, and the one phone number i had blocked my number. It turns out it was a fake check, and can't believe wells fargo would make the funds available, and not recognize a fake check.
Product: Mortgage

The original signed loan agreement from XXXX stated that taxes and insurance have been waived by the lender and will be the responsibility of the borrower. I have never missed a monthly mortgage payment of {$1200.00}. I have payed the property taxes and have maintained the hazard insurance since XXXX. My mortgage is not in default. In XX/XX/XXXX, Newrez acquired my loan and placed a mandatory Escrow account for taxes and insurance that raised my monthly payment to {$1700.00}. In XXXX, I provided proof of hazard insurance for my condo so that the lender placed insurance and taxes could be removed. My request was denied. In XXXX, I provided Newrez with the original signed loan agreement that states taxes and insurance have always been my responsibility and it is illegal to change the original signed loan agreement. My request was denied because the hazard insurance was unsatisfactory. I need to provide proof of insurance from the HOA for the entire building. On XX/XX/XXXX, I provided Newrez with the insurance declarations from the building HOA for the entire condo complex. I have tried numerous times to pay my mortgage however, Newrez has warned that my mortgage payment will not be applied if I do not pay {$1700.00} which includes their insurance and taxes. I have already paid the first installment of my property taxes. I do not need a second insurance policy on my apartment and the building XXXX has proven the building has an insurance policy. Newrez is forcing me to default on my mortgage payment by not applying my monthly mortgage payment towards the principal and interest as I have done for the last 13 years.
Product: Mortgage

I refinanced my home through loan officer XXXX, Premier Lending and Real Estate at XXXX XXXX, Ca XXXX. Phone XXXX. Our refinance with through but our Pest Control costs which were to be paid of our proceeds at close of escrow never happened. Found out over a month later that they had not been paid. XXXX of very unsympathetic to our plight and told us you ordered the pest inspection you have to pay. Even though it was a condition of our closing to send him the invoice for the work completed prior to our closing. The amount out of pocket was {$1100.00} to the pest control company.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

This collection agency has called my home more than XXXX times. I have spoken to a representative 3 weeks ago and requested that my number be removed from their call list and was told that it would be removed within XXXX hours. They have not stopped calling. when I answer the phone they hang up every time.
Product: Credit card

I filed a dispute with Goldman Sachs for a {$960.00} transaction with XXXX XXXX XXXX, aka XXXX XXXX XXXX. The reasons for the dispute were that a ) the salesperson XXXX XXXX misinformed the consumer that the merchandise could be returned for a full refund without issue and b ) on XX/XX/2023, XXXX XXXX did not issue a refund for all of the items that were brought into the store to be returned. As such, a dispute was opened on the same date with Goldman Sachs. XXXX XXXX from XXXX XXXX XXXX, after filing the dispute and also on the same day, wrote a sincere apology via email ( attached ), admitting fault for and accepting responsibility for XXXX XXXX XXXX XXXX negligence on behalf of XXXX XXXX XXXX. As of XX/XX/2023, XXXX XXXX, the store manager at the XXXX XXXX XXXX XXXX XXXX location, confirmed via email ( attached ) their receipt of the return, as communicated to her by her team. On XX/XX/2023, I received email notification from Goldman Sachs that the merchant had responded. Via Apple Card chat and also on the same date, XXXX, an Apple Card Specialist with Goldman Sachs Bank USA, was unable to provide the merchant 's response, leaving the consumer without an opportunity to address the merchant evidence. In the past, there has been at least one Apple Card dispute in which Goldman Sachs wrongly sided with the merchant due to fact that they merely replied with their policy, which failed to address the original grounds of the dispute. When asking XXXX " Can I provide additional documentation showing that I am owed a refund for the return?, '' which has now also been attached to this complaint, no such opportunity was directly provided by them.