23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i received a voicemail for a " law firm '' representing XXXX XXXX. they left me a voicemail advising I contact them back regarding a personal matter. I called back and asked what this call was for. The collector never verified any information other than my name, MRD or mini Miranda. He told me I needed to give him my credit card or banking account information over the phone right now or he would report this {$150.00} bill to my credit report. I never even received a bill from XXXX, never received a phone call regarding a bill from XXXX  directly. when I originally called and spoke to a woman manager at the XXXX XXXX XXXX she advised she would remove my cc off file and i wasn't under any contract. she personally removed my credit card in the system and I never returned to the gym. All of a sudden I'm getting these calls from a agency that I do not believe is right. I would of paid a {$20.00} month bill and canceled had I known they'd charge me {$150.00} after I spoke to a manager and explained I no longer wanted to be a member as I found another gym. I do no want any other threatening voicemails. I contacted XXXX XXXX and he told me to just email the corporate company and pay them if I want to. Had this manager explained the canceling process I would of went to the gym and canceled had I know they would charge me monthly even though I was not active at the gym. They never once sent me a letter or attempted to call me to reactive my account by getting a new credit card on file, due to a rep manually removing my credit card herself.
Product: Credit reporting or other personal consumer reports

1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

# 4 ) THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - I WILL ATTACH MY CONSUMER REPORT FOR THIS ACCOUNT -- -PAYMENT HISTORY DOES NOT MATCH BETWEEN XXXX XXXX XXXX XXXX ALSO TRANSUNION DOES NOT HAVE PAYMENT HISTORY, PLEASE DELETE OFF MY CONSUMER REPORT -- - 15 U.S. Code 1681 -- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is reporting inaccurate, out dated personal information on my credit profile. They're reporting : Incaccurate Name Inaccurate Date of Birth Inaccurate Address Inaccurate Employer
Product: Debt collection

This is not my personal account. The dates of opening, last reporting, and last active are all incorrect!!! You don't even validate this account!!
Product: Student loan

It appears that my loans has been updated with the IDR waiver but I noticed a few mistakes. 
First, my 2 consolidation loans did not get the updated counts added to them, because of the PSLF waiver all of the loans should be at the same count. I had 24 ineligible payments on my original loans before the IDR update but those ineligible payments were not shifted to the consolidated FFEL loans as promised, the ineligible payment on those loans have been sitting at 0 since the PSLF Waiver was applied. Now the counts are not equal I am worried that this may result in hanging loans & two different pay off times when before consolidation and before the IDR waiver all counts were the same. I have pointed this issue out several times but the ineligible counts have not been updated and it appears my fears are happening. 

There is also some deferment and forbearance months that are still on my account. I never requested either and I qualified for a {$0.00} payment plan during this time. My tax returns for this time have been submitted to DOE as proof of this in the past. Also, I was told that one of those deferments is coded as an unemployment deferment when my employment is certified for this time. 

Ineligible payments from XX/XX/2013 - XX/XX/2013 is coded as an unemployment deferment when I was employed. My XXXX has been approved for this time. 
Ineligible payments XXXX is coded as a hardship deferment. The IDR waiver says that time hardship deferments should count towards PSLF. 
Ineligible payments XXXX is a general forbearance that was for some reason not counted but I am unsure why. 

I would like to add that I did not request any of these deferments or forbearances. During all of these periods I qualified for and was told that I was in a {$0.00} payment plan. I asked for phone records from XXXX ( my servicer at the time ) to prove this but was told they do not exist. 

I also have 6 months of grace period that I did not need - I will replete that I qualified for a {$0.00} payment plan for that time and my XXXX during that time is on file and approved. 

I also have 4 years coded as in school even though I worked full time while going to school full time and was told by XXXX XXXX ( my servicer at the time ) that my time in school would count towards PSLF - again was told my payment was {$0.00}. They failed to have me fill out a deferment letter but XXXX ( my servicer at the time ) had the form to retroactively remove the in school status- this was approved - but those 4 years were never added to my account. 

Its just exhausting. Ive worked in public service for well over 10 years and have never even had a late payment when my payments were no longer {$0.00}. It is unfair to be punished for multiple servicers mistakes. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. I am distressed that TransUnion have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX And TransUnion is reporting a XXXX account that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.
Product: Credit reporting or other personal consumer reports

I have sent letter after letter with supporting documents to correct my personal information on my credit report still no change or proof of accuracy of information on my credit report
Product: Credit card or prepaid card

My American Express Membership Rewards account is " under review '' by American Express. They have given me no indication as to what prompted the review, and now they are telling me that I can not access my rewards points for 6-8 weeks. When I attempt to escalate the issue, I'm told that there is nothing they can do, so I need to wait 6-8 weeks to access the points I earned by spending money on their credit cards. Not only this, but the error message that appeared to me when I attempted to transfer points was that I was unable to transfer due to " selling or transferring to someone else 's account '' which is completely untrue. The frequent flier account I attempted to transfer to ( XXXX XXXX ) is my account and I was able to link it with my Membership Rewards account without issue. I was given no phone call or email stating that my account was " under review '' and I am not given any information without reaching out first. I was also told by the first representative with American Express that it was simply an issue on the airline 's end, which made me waste another hour of my time calling the airline. The 6-8 week timeline without access to my hard earned rewards is completely ridiculous. It is predatory to allow a customer to accumulate rewards for years ( I have banked with American Express since XX/XX/2014 ) and suddenly freeze their account without notice and notification, and at the same time tell me there is nothing that can be done for an absurd timeline. I made a transfer several months ago without issue, and there have been no changes to my account since that time.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Mortgage

Select Portolio servicing trying to payoff and sell my home. Company not providing correct POA to title company. I have called and been given run around. This issue has been going since XX/XX/2020. I need help
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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 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, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from Experian but still are showing up on XXXX and XXXX. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma said I had offers with high likelihood I qualify for loans and cards but where false and I didnt qualify
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply can not get Experian to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!
Product: Checking or savings account

Ok I'm was a check and saving account with BOA like XXXX  everything was cool for 2yrs whent in XXXX XXXX I'm received a boa bank notification on mailbox, they telling me my XXXX accounts was be close cuz someone try to deposit XXXX altered/fictitious checks on my account without my permission, so that year to now I'm try to solved the problem with boa whent they give me some phone numbers for contacting for got solutions and they send me XXXX differents agency and soon they cant help me cuz not haved any report whent my bank account was closed on XX/XX/year> so please I need a help I'm swear my XXXX to I dont know any ideal was going on I'm was a bank to where those fake checks come and never answer XXXX nothing. Now im on a condition of stressed cuz I need to change my XXXX checks to come from my compensation XXXX. PLEASE TRY TO HELP ME FAST
Product: Credit reporting or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Remove all these hard inquires as I did not authorize them XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I placed and order through a FB sale. I used XXXX as it is a part of my checking account with USAA. I was scammed. But USAA does not protect fraud. I assumed since this was an avenue to send money through my bank it would be protected. I called today and was told USAA does not back XXXX transaction. I would have never used this method if I knew USAA would not back. It bad business. I have been a member over 39 years and this is the second significant problem Ive had with USAA in two months. They are not the company they used to be.
Product: Credit card or prepaid card

XX/XX/2020 Dear Sir / Madame : I am writing to contest the {$890.00} flight tickets from XXXX XXXX that I purchased with my Citibank credit card. The tickets in question were for two roundtrip flights from XXXX to XXXX, leaving XX/XX/XXXX and returning XX/XX/XXXX. Leading up to the departure date, we received a text message from XXXX XXXX indicating that either the outgoing or returning flights would be cancelled. XXXX then presented us an option to request a refund which we promptly did XXXX please see attached screenshot XXXX XXXX XXXX XXXX. 

Subsequent to this, we received an e-mail from XXXX XXXX on XX/XX/XXXX asking us whether we want to be refunded via travel credit in XXXX, Option 1. Or, to proceed with a reimbursement, Option 2. We chose Option 2 ( please see attached e-mail XXXX XXXX XXXX. 

Finally, on XX/XX/XXXX, we received another e-mail from XXXX indicating that they are processing our reimbursement request ( please see attached e-mail XXXX XXXX ). 

XXXX XXXX subsidiaries in XXXX have filed for bankruptcy and has curtailed operations in the United States as the result of the COVID-19 pandemic. 

Since we will not be able to fly on the purchased value of our tickets, we reached out to Citibank for a refund. Although it indicates on their website the issue should've been resolved in XXXX, it still has not. 

I wrote Citibank and called their office a number of times. They mentioned their office would get in touch with me, but they have not. As a matter of fact, they've charged me interest charges the last couple of billing statements because I've refused to pay the {$890.00} charge. Also, I contacted Costco who the credit card is co-branded with. 

Our concern is, with XXXX XXXX XXXX impending bankruptcy, we will not get the value for the flights we paid for. And thus requesting Citibank 's refund. 

We appreciate your support and understanding. 
Sincerely, XXXX XXXX XXXX XXXX ( mobile )
Product: Debt collection

I have a credit card debt in collection. The collection agency is XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have been paying this debt to XXXX, XXXX, XXXX  XXXX with monthly payments of {$100.00}. I pay this amount on their web site. The problem with this collection is I never receive any statements total amount due. I emailed them twice with NO RESPONSE WHATSOEVER stating that I will no longer make monthly payments due to their secretive, no monthly statement collection practices ( see attachment ). I had also called them at least two times explaining my displeasure. It has been almost two months since I contacted them via the aforementioned emails and they have sent me a threatening letter with the total amount due. 
XXXX 's collection method is deceptive and I believe unlawful with consumer law. I am XXXXyo and living on a tight budget from my monthly social security. 
Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit. 

Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me. 

Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX  have yet to remove this ficticous or fraudulent debt
Product: Checking or savings account

My account is due to close the XXXX of XX/XX/2023, but its reason for closure is because of counterfeit deposits of {$400.00} but I did not make the deposits they are talking about and I want to file this report so that my account does not close. I believe the person who did this was XXXX XXXX.
Product: Debt collection

RE : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Louisiana 5. Please evidence proof of the alleged debt, including specifically the alleg
ed contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.