23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American Express card services has been calling the phone number provided every single day. I believe for the most part there was only one phone call per day, but it is every single day without fail. American Express is also using an auto dialer to complete these calls. Every single day when they make their daily call, they always use an auto dialer. When I have answered the calls, after picking up the call, saying hello, there is only silence on the other line, a long period of silence, so I say hello again and then I can hear a click and then someone will begin to speak, without identifying themselves. The multiple times when I have failed to answer their abusive habitual calls, a voicemail is always left on my phone. It is the same exact auto dialer pre-recorded bot voicemail message. Each message is always 42 seconds long. The voice messages also always start off with a period of silence and the robot caller never identifies themselves, other than indicating this is American Express with an important message for XXXX XXXX. I also dont believe I ever gave American Express permission to leave voicemails on the number I provided them containing my full name and I identifying the card servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he XXXX a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX on XXXX XXXX. I do recognize the inquiry and did not authorize it.
Product: Debt collection

XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Product: Credit reporting or other personal consumer reports

a review of my credit report uncovered several fraudulent accounts and inaccuracies
Product: Debt collection

i received a bill from Convergent Outsourcing Inc. saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.
Product: Payday loan, title loan, or personal loan

The institution sent me a fraudulent letter ; in it they said I was pre-approved for a loan of up to {$8000.00} ; however after completing the application I was told I did not qualify for any amount. The problem is that I had to authorized them running my credit check, which deducts points. I always believed pre-approved meant already approved. I wouldn't have even applied if I were not pre-approved ; I was hopeful this loan would help better my credit not lower it. False advertising from part of a financial institution is a fraud and deceit of the worst kind ; because the damage to our credit is already done and all they say is sorry, you are not approved.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This seemingly illegitimate debt collection company has repeatedly called me even after I have told them not to call me and to only send mail correspondence. The debt collector was extremely rude and offensive. I asked for a settlement offer and the agent on the phone was very demeaning and said that I had to pay the full settlement immediately on the same day or that it would be void and that I would not be offered a settlement amount again. I told her that I absolutely want to pay the amount offered, but that I wanted something in writing prior to paying that amount as proof that they were going to accept that said amount to settle the account out. She refused to email me something and said that they could only mail me something which would in turn void the settlement offer that she was offering me. This is shady business practice and I don't feel comfortable paying a company that operates in this fashion so I attempted to contact the hospital where the bill was incurred and they informed me that they could not recall the account and that I had to deal directly with this shady collection agency. From what they've been putting me through I do not feel obligated to pay this debt and would like it removed from my credit report immediately. Please let me know the steps to take from here. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$21000.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data breach so I pulled my credit reports including XXXX along with Transunion and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX 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 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 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 I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Student loan

On XX/XX/XXXX XXXX XXXX XXXX called me regarding payments on my student loan with Navient ( formerly XXXX XXXX ). I set up a payment arrangement of {$150.00} for 5 years. On XX/XX/XXXX I noticed that my payments were no longer being deducted from my checking account. When I called XXXX XXXX XXXX, I was informed that my loan was recalled to Navient. I got no correspondence regarding the recall. I was told to call Navient. So, I called Navient, they game me the address of the XXXX XXXX XXXX. This is where I was supposed to send my payment. My XX/XX/XXXX was cashed and credit to my account. My XX/XX/XXXX payment has not been posted or cashed to my account. I called Navient on XX/XX/XXXX, they informed me that my payment wasn't cashed b/c my account is in litigation with bankruptcy court. Once again, I have no correspondence regarding this and no one at Navient can help me with my account. All I'm asking is for Navient to honor my payment arrangement, update my account, cash my checks and provide me with an explanation as to what is going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, ACCOUNT # XXXX XXXX. 


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

I had a XXXX account before and I canceled it last XXXX and joined my friends att family plan. And I got a {$1.00} charge from XXXX XXXX XXXX, which I think its weird, I disputed it. XXXX didnt contact me at all for a year and sold it to a debt collection company with the late fee which is {$38.00} for total. And XXXX said they cant help me with it since they already sold it to debt collection companies and I can either pay the {$38.00} and talk to the debt collection company which dont even even to me just keep repeating my transactions from the XXXX bill they got. As a company I dont think they should just sold the customers information with not contacting or verifying with their customers for any unpaid bill. How can I know what kind is that bill after I canceled my plan and they closed my account on XXXX
Product: Mortgage

Sent BB & T a {$9500.00} Principle only payment on XX/XX/18 with a letter saying : " Apply the enclosed {$9500.00} immediately to the principle balance of the loan. DO NOT apply this amount towards interest or regular monthly payments. '' on XX/XX/XXXX18, both the {$9500.00} check along with regular {$940.00} mortgage payment cleared our bank. I get a statement from BB & T dated XX/XX/XXXX18 showing that only {$9000.00} had been applied to principle out of the combined XXXX. Called BB & T. They could not explain why the full {$9500.00} was not applied to principle. They refused to recalculate interest for XXXX even though the loan amount was less for most of the month. 

BB & T has stolen thousands of dollars by misapplying payments and misinforming me about how to remove PMI over the Couse of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in looking over my credit report and I found several accounts that does not belong to me. I have never done any business with the following companies and I demand a re-investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like a security freeze on my credit file until I can figure out the issues with the unknown accounts>
Product: Checking or savings account

Charged balance insufficient fees for my account despite having approved funds going into the account. Also charged a random fee for not using my credit card for some reason, despite my utilization of my other credit card with Bank of America, as well as my business with them via my checking account, which is now closed as a protest against BOA 's garbage practices, I refuse to give my business to them and will continue avoid utilizing my BOA credit cards. Every time I call into customer support, I get rude and pushy reps who are trying to sell me products from BOA. I have since switched to utilizing my local credit union, whose services and terms and conditions are much more flexible and human-friendly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable 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 adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed information I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.
Product: Debt collection

XXXX XXXX, a debt collector has been attempting to contact us about a past due bill. This debt collector is contacting a 3rd party on numerous occasions ( my Father ) Debt collectors are not allowed to contact 3rd parties or Family members more than one time, unless that family member or 3rd party requested them to do so. My father has informed this debt collector that we do not reside at his home and has asked not to be called. XXXX XXXX has contacted my father more than 2 times per day for a week straight, and at all hours. This must stop or we will be forced to take legal action. One operator has left his name on multiple occasions, his name is XXXX XXXX, or do he says. XXXX needs to follow the laws for debt collection, when attempting to collect said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there! 

I'm using Lexington Law to better my Credit so that I can build my business and buy a home. I have provided Lexington Law with my phone number, email address, and mailing address to contact me in case of any urgent communication. 

However, this week I saw an excessive charge item and fee ( which they called a " re-billing fee '' ). When I contacted them, they claimed that my card could not be charged. True, but I also explained that I keep my card locked and I have provided my contact information in case of an issue like this. They replied, " we don't call customers for billing questions. '' I think that is not right, unfair, and a scam for a company trying to profit by charging unnecessary fees to struggling folks. Someone, ought to help with this. That is why I'm filing this complaint. They have my phone number! At the very least, they should be specific on when they will charge my card so that I keep it open. It's called good customer service in my line of work. 

I'm seeking relief and a refund for this abuse. There is no such thing as a " re-billing fee, '' unless someone is just trying to find a way of making extra money from you. If they keep charging a {$20.00} " re-billing fee '' to XXXX or XXXX people, they're making a lot of money on the backs of poor folks without accountability. Please help and thank you!
Product: Checking or savings account

On XX/XX/XXXX, I was attempting to put XXXX dollars in cash into my Chase checking account, and being that I had already walked 5 miles in a new city, I settled to deposit my money using the nearest atm that would accept my card I was well aware they would charge me a fee for depositing the same way if I were to withdrawal the bank I went to was XXXX bank to deposit the funds. After I deposited the cash I was told my the atm screen my deposit was complete. But it did not give me a atm slip as I requested when I put my card in. I checked my account immediately before leaving the atm and the funds weren't there. I put my card back into the atm and I would not accept my card after that it. It kept saying card not accepted. And then it gave me a atm slip saying the same thing. I went inside XXXX bank to discuss what happened with them to see if they could explain the process of what just happened, I was told that all I would have to do is wait 24 hrs and the extra money would be sent to chase after its counted.After that interaction I was able to get a ride thankfully to a chase bank. I was given the customer service number to call because they claim they didn't see any transactions done. I called the line the same day they opened an investigation I gave them all information they requested in that moment I was given a XXXX dollar credit temporarily. Less than 2 weeks later I received a letter the same day the money was taken back from my account. According to chase its my fault I put my money in another atm even though their policy says you'll just be charged a fee. I have a atm fee on my account for using the atm but no money has been deposited yet. Chase has blamed me and told me this is the first time this has ever happened and continues to be rude and disrespectful even though I told them I walked 5 miles and had no GPS and im new to the city. I kept being told I should have just went to chase instead of them trying to help me I was lied to by a representative saying they would re-open the case and returned the XXXX dollars which they have recorded but they never did and the supervisor I spoke to kept lying and never addressing that fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.