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

I ( XXXX XXXX ) received a call from American express on XX/XX/XXXX on a overdue balance {$1300.00}. I verified that my 2 credit cards are paid and I have a zero balance on those. When I called back the customer service, they told me that there is a 3rd card linked to my account and asked me to contact theft prevention team. When I called Amex theft prevention/protection team, they said no attempt of ID theft visible on my account. Also, they clearly told me that they do n't see any 3rd card to my name. I had a frustrating day to make them ( different department of Amex ) to come to a common point. After multiple calls to different departments, they agreed that there is a 3rd card linked to my account. That too when I asked what is the name on that dispute card. They said it was XXXX XXXX. I remember that used to get some junk mails in my mailbox with that name and I assume she was staying in the address several years back ( I know previous person stayed here before me for few years ). Amex said there is a mistake on their side and its a rarest problem and never happened before. They said it will take a week or so to resolve and asked to call back to verify as they cant inform me about it. And moreover, when I asked for a tracking number, they said there is no tracking number for this. Every time I call them, I had to explain the whole story few days. that 's another pain I had. I found one professional helpful staff named XXXX from fraud prevention team found a kind of a solution to keep a note on my account with his name and asked me to use his name to tell to the customer care or debt collector to refer to read it. That saved few frustrated minutes of mine in later days. After few days, shockingly my cards are suspended for charging. When I called, its again the same case, sounds like no interaction between teams. And next humiliation started. Everyday, I get calls from Amex asking me to settle the amount which I do n't owe. I had to explain everytime to them what happened and they say they will take care on their side. But, its never ending story till today. couple of times, the caller went ahead and asking my permission ( by mentioning the ending number of the account ) to take money from my checking account I used to pay this card ( I did n't have any auto payment though ). I was in XXXX XXXX and fear of loosing my hard earned money. When I called today ( XX/XX/XXXX ), customer care person said, the disputed account was delinked on XXXX XXXX. and she do n't have answer when I asked why they are calling to collect the money what I do n't owe. Also, when I asked why my cards are still suspended, she said she cant do anything but I need to call some other department. I asked for a compensation for all the humiliation and metal trauma till date, she put on hold for few minutes and offered me {$25.00} courtesy. I told her that I am not going to agree to that and will complain to CFPB. While I am typing this, suspensions on my cards are removed ( again no intimation to me ). Please help to get me a financial compensation equal to all humiliation and metal trauma I went through. Thanks.
Product: Debt collection

I initially filed case # XXXX - which was sent by your company cfpb to XXXX XXXX XXXX and still awaiting a response. 
To me as the customer the attempts to imtimitate me continues. 
I am in receipts of attempts to collect monies for services amounts that have been resolved by XXXX XXXX XXXX The current company is XXXX XXXX XXXX , XXXX - XXXX XXXX XXXX, XXXX, NY XXXX as that Legal To date with each and every phone call I am unable to get any amounts that are actually owed for services rendered to me at various departments at XXXX XXXX XXXX. or even documentation that the matters have been resolved I made several attemps to speak to someone in charge and was left with promises, hang ups orThey I will return my phone calls at their convenience. 
This is been absorbing my average Day to Day activities in a very negative way- I am now in full bloom panic attacks and it is scary as an older adult. 
Additionally unfoturnately no-one wants to give me a total amount or even attempt to help me negotiate a monthly amount - that works with a very limited budget I am still getting threathing message on my mobile pone - not good and so scary for a senior ctizen
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Product: Debt collection

I have been disputing a debt from XXXX XXXX represent by SCA collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.
Product: Debt collection

On XX/XX/XXXX I received a collections notice for a service called XXXX XXXX which is a mobile phone service operated by XXXX. I have never been an XXXX XXXX customer but I have been a subscriber of other services. 

The debt collector is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA, XXXX and can be reached at XXXX XXXX XXXX The debt is attributed to the address XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. The XXXX  account number is XXXX and the debt collector ID number is XXXX I asked Credit Collection Services for a proof of debt and they sent me a phone bill that had an obviously incorrect phone number of XXXX. I brought this to their attention and they still refuse to discharge the debt. The debt is causing me harm since it is a negative mark on my credit score. I have also contacted XXXX about this matter and after a month they say it is still under investigation. They initially told me I would receive a response in 30 days but after that deadline past they told me it was 30 business days. 

I have never signed up for XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire scumbags who lie and teach them how to lie to the general public, Then they incentivize them to do their XXXX XXXX. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within 30 days to CREDIT MANAGEMENT LP. I am requesting your assistance in dealing with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have contacted XXXX about account ending in XXXX that was opened fraudulently on my credit. I haven't authorized or have any knowledge of the account. I am requesting that it be removed by my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that  three  accounts that has been added to my  XXXX   XXXX  and Equifax credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts but  XXXX   XXXX  and Equifax says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my Equifax and  XXXX   XXXX  and they should be removed immediately :   XXXX   XXXX     {$800.00}   XXXX   XXXX     {$1700.00}   XXXX   XXXX   {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX   XXXX   for any services EVER ... ....     Please remove items as they are ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not allow me to dispute information on my credit report without charging me. I have opened tickets with XXXX and XXXX without a charge. XXXX and 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 are 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. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Mortgage

On XX/XX/XXXX a payment of {$280000.00} was made to my mortgage. At that time, my LTV ratio fell to below XXXX XXXX Per the Homeowners Protection Act of 1998 ( aka the PMI Cancellation Act ), mortgage companies are required to automatically remove PMI once the LTV ratio falls below 78 %. PHH did not remove my PMI despite my LTV ratio falling to well below XXXX XXXX  XXXX continued to charge me $ XXXX from XX/XX/XXXX through XX/XX/XXXXXXXX XXXX  ( 9 months after my LTV ratio was under XXXX XXXX ) and then in XX/XX/XXXXXXXX XXXX XXXXhey charged me another {$200.00} for PMI. 

I contacted PHH via phone and email over a dozen times in XXXXXXXX XXXX. I was given the name XXXX and the number ( XXXX ) XXXX extention XXXX. Every single time I called that number and extension, I got a voicemail. Every single time I left a voicemail, I did not receive a call back. Every email response that I received refused to address why PHH did not abide by the Homeowners Protection Act. I was only told that I was not owed a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information has been disputed and asked companies to provide original contract for services rendered.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
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. 

Account name : # XXXX ( XXXX ) Date Opened : XX/XX/XXXX, Account name : # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Account name : # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hi, I have both federal and private loans. During enrollment at XXXX University ( XXXX ) in XXXX XXXX which is now closed, I feel that I was cheated into paying for this degree with Federal and private loans. There were many times when the school was under investigation and in jeopardy to lose its accreditation. Now that the school is closed, the school feels like a fraud. Its been a while, but I remember while attending school, I was pulled into the financial office and told that I have exhausted/run out of funding to continue attending the school and that I should take out a private student loan and get my mom to co-sign. I told them I was nervous about not being able to get approved and then re-paying and the lady told me that she took out loans for her degree too and now she has a family and she only has to pay under {$100.00} and not to worry about it. She assured me that it was easy to take out a loan and that it would easily be approved. I really feel like I was a vulnerable victim and now i 'm stuck with an almost {$80000.00} in loan debt that I have been trying my best to pay for so many years to only find that the debt gets larger and larger. Even after telling XXXX/navient that I have been un-employed, they continue to offer me no help. At this point, my degree is worth nothing and I would like for them to refund me the money or at least the money I have paid and forgive me for the remaining debt.
Product: Student loan

Multiple attempts via the lenders website contact info have been made to obtain credentials to login. 

Combined time of 3 hours on hold, their callback service has never called back, they make chat unavailable. They do not email me my username or make it possible to login to set up payments. 

I am at a loss as to how to contact this company to make on time payments.
Product: Credit reporting or other personal consumer reports

Ive mailed certified receipt letters and disputes personal information update. The credit bureau 's arent updating information correctly. This is a violation according to the FRCA. This is my third attempt to update my personal information to all credit bureaus. See attachment regarding personal information updates. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting my rights is in direct violation of the 15 USC 1681 and all its subsection. Thanks in advance for resolving this matter.
Product: Debt collection

The disclosure was buried in the last sentence of the last paragraph in the correspondence they sent. Also, the correspondence they sent demanded payment before the 30-day timeline I had to respond to ask for validation of the alleged debt.