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

On XX/XX/22, the XXXX XXXX Amex card had its {$300.00} annual XXXX purchase credit structure changed from {$300.00} issued as a statement credit against XXXX purchases made annually on the card to a new structure of $ XXXX credited against dining purchases. 

ON XX/XX/22, I called Amex 's customer service to inquire about my remaining annual balance before it expired. While I was told the remainder was {$260.00} or so, I was also told by the rep that all unused credit would be issued out to customers as a statement credit so that customers would not feel wronged or angry with the new transition. With this information, I took no action to make a XXXX purchase to use my credit before it expired. 

On XX/XX/22, I called Amex 's customer service to ask about the statement credit promised as there had been no activity on the account. Unfortunately, while the XXXX told me about the new dining credit structure and confirmed I only used about {$34.00} of the old credit, I was given wrong information and that there would be no statement credit forthcoming. 

I then expressed my dissatisfaction and frustration borne of not using my credit based on the information that the XXXX gave me on XXXX. Accordingly, she opened case XXXX with Amex and XXXX am doing the same with CFPB. 

I was given false/misleading information about the XXXX annual credit benefit that expired and because of this, I was unable to take advantage of it. I was and am expecting the remaining {$260.00} or so as a statement credit on my XXXX card as promised.
Product: Debt collection

I received a letter from debt collector Weltman, Weinberg & Reis Co., LPA in XX/XX/XXXX. The letter stated I owed a debt of {$39000.00}. It gave me the option to request further information about the loan in question. I mailed back the request for further information. In XX/XX/XXXX, I had not received any further mail about my request from the debt collector and I was notified that my credit had a high derogatory mark XXXX point drop. I immediately called the company on XX/XX/XXXX to inquire, I was told by the representative XXXX that due to some inconsistencies in the account, she couldn't fully verify that the loan request information was sent but has to " hope that they did it. '' I was infuriated, she stated she could send it electronically, which I promptly accepted. I followed up on XX/XX/XXXX as I had not received the electronic documentation with my loan information that she stated she would send on XX/XX/XXXX. The same rep XXXX stated that it was " pending '' and she would have to escalate it to her supervisor and apologized. I went ahead and set up a payment plan to not continue any further delays ( as I have always paid on my loans when contacted ). I asked about the negative mark on my credit, but she stated it could not be changed. Based on the fact that the company hastily added a huge derogatory mark on my credit without following protocol of providing me with the request for further loan information/validation is a violation of my rights as a borrower. They have had multiple attempts to send the mandatory requested information and they continue to fall short, thus it is grossly inappropriate for my credit to be affected.
Product: Mortgage

XXXX XXXX is acting as a loan officer and Realtor without a license. We were referred to him by friend and found out that he is not licensed. When discussing loan options and XXXX taking our application he became very upset that we questioned his role in our loan. He is provided us with a license number of someone with the same name who may be his father. I am very upset at the lack of integrity.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Jefferson Capital is reporting a debt on my credit file that needs to be removed. I recently looked at my credit and noticed this debt on my file. This account is past the credit reporting limit under the FCRA guidelines and needs to be removed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

There is a company named Credit Management LP attempting to collect an alleged debt in the amount of {$300.00} for XXXX. This debt is a result of fraud and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQIFAX For several years I had no issues with my online account, then toward the end on 2019 I could no longer access my account. I attempted to change my password with no success. I contacted Equifax and they requested hard copy information. I sent a hard copy of my Drivers Licence and SS card on XXXX XX/XX/2019. I have had many phone communications with the company, usually ending in password reset. My final communication was that I would be no longer allowed to have an online account. 

I would like my account access restored
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that XXXX be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 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 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 or other personal consumer reports

XXXX XXXX Discover, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXhas fraudulently reported XXXX negative remarks stating Charge off on my credit reports after they have filed the charge off got paid thru profit and loss and still reporting on a closed account on my credit files okays due. This is Fraud and a violation of the FCRA. The credit bureaus experian, XXXX and XXXX all culprits as well allowing the update on the closed account and when my credit is pulled the closed accounts are viewed not my open active current accounts. This is Fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

These 10 accounts have been sold over 8 years ago ; to XXXX. I have been in good standing with XXXX. However, these 10 accounts with XXXX are showing XXXX  balances, but negative reporting. I have never made any payments to them. Because, i was still in school when the loans were sold. I contacted XXXX. And, the man that answered the phone told me to dispute it and they would not fight it. XXXX  and XXXX deleted the accounts. But, I guess they are not communication with XXXX. these accounts are older than the 7 years to fall off. But, Equifax is refusing to delete them. And, the 10 negative reporting ; is hurting my accounts.
Product: Credit card or prepaid card

A company XXXX XXXX sent me a product I did not request or ask for and charged my account. I called the company and they refused to all me to return the product unless I paid for the return although fully admitting I did not order it. I disputed and was assured XXXX  times by XXXX it would be removed. The last one admitted that they even had not received any information from XXXX XXXX and still found in their favor. Her name was XXXX and that is recorded. sHE ALSO ADMITTED THEY CLOSED THE CLAIM BEFORE EVEN INVESTIGATING OR RECEIVING THE DOCUMENTATION THEY REFUSED TO TAKE ANY OTHER WAY EXCEPT BY FAX OR MAIL.
Product: Debt collection

Complaint Details : This complaint is in reference to a debt that is more than 7 years old and was written off in XX/XX/XXXX. I contacted XXXX ( company that handles credit reporting for Orion ) back in XX/XX/XXXX and spoke with XXXX and had an issue with her not being able to advise the history of this debt. How can you collect a debt only using the final bill with no billing history? Since then, I contacted the XXXX and the FTC regarding fair debt collection practices as XXXX could only advise the debt was valid, but could not advise how? In correspondence with the FTC, representation from XXXX advised the debt was charged off in XX/XX/XXXX ; meaning it should only remain on my credit report for ( 7 ) years with no money due. I called XXXX on XX/XX/XXXX and spoke with XXXX and XXXX and it was advised that the debt was written off. I called XXXX and spoke with XXXX, escalated the call to XXXX ( her manager ) and they all kept me on hold for over 45 mins with no resolution and much argument. I called back and spoke with XXXX and was advised of my account number. None of the reps could provide me with the history of the account, but I paid it as I'm in the process of purchasing a home and this has negatively impacted my credit report. This account has not appeared on my credit report since XX/XX/XXXX and only two bureaus are reporting this debt. This is against my rights as a consumer to report a debt that is more than 7 years old and I plan to escalate this as no rep could provide me with the history of the debt and only mailed me a statement of the bill with NO explanation of charges ; see attached. When I last had a home phone, this account had credits applied and there was a ( XXXX ) balance. Shouldn't the purchaser of the debt furnish the history along with the bill as part of the debt collection practice. Although I paid this, I am seeking an explanation of charges and for this to be removed entirely from my credit report effective immediately!!!! How can you ask for money and not know how the balance came to be so??? All I received was a bill from XXXX ( attached ) with NO explanation for account # XXXX. No one could provide me with the accuracy of the amount due and kept making false statement regarding the debt in question.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized or Inaccurate Credit Inquiries Dear XXXXExperianXXXX I am writing to formally dispute unauthorized or inaccurate inquiries listed on my credit report and request their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be included on my credit report if I initiated the request or provided written authorization for the creditor to access my report. After reviewing my credit report, I have identified the following inquiries that I do not recognize or did not authorize : Reporting XXXX : Inquiry XXXX. 
Date of Inquiry XXXX XXXX XXXX : Inquiry XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX Reporting Experian : XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX Inquiry XXXX XXXX  XXXX Date of Inquiry XXXX Inquiry XXXX XXXX Date of Inquiry XXXX Inquiry XXXX XXXX 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX Inquiry XXXX XXXX Date of Inquiry XXXX Inquiry XXXX Date of Inquiry XXXX Inquiry XXXX XXXX 
Date of Inquiry XXXX XXXX XXXX XXXX 
Date of Inquiry XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXX 
Date of Inquiry XXXX I kindly request an investigation into these inquiries to determine their legitimacy. 
If they can not be verified as authorized by me, I ask that they be permanently removed from my credit report. 
Legal Obligations As outlined by the FCRA : 1. You must investigate disputed inquiries within 30 days of receiving this letter.

2. You are required to notify me of the results of the investigation within 5 business days of its completion. 
3. Any unverifiable or unauthorized information must be promptly removed from my credit report. 

Failure to comply with these requirements may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Enclosed, I have included copies of my government-issued ID and proof of address to verify my identity. 

Please confirm receipt of this letter and provide updates regarding the status of the investigation. Should you require further information, feel free to contact me using the phone number or email provided above. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, Sent by certified mail, response was that they " verified ''. 
I sent another letter requesting the proof of Verification for these unauthorized inquiries. 
No proof was provided.
Product: Credit card

I sent multiple faxes and called over 25 times to Navy Federal to dispute IR/Late Payment charges ( on a frozen account due to formal open complaint with CFPB ), repair request with credit bureaus and re-activation of my credit card. This whole process started way back on XXXX/XXXX/XXXX and I have had to escalate and talk to several different departments, but that did n't resolve the issue for months. I was n't getting resolution so I filed a complaint with NCUA ( National Credit Union Association ) they do n't handle this type of dispute. So they forwarded my case to the CFPB during that time Navy Federal did credit my account, but has not fixed the mistakes on my credit report and closed XXXX credit card accounts. I received a letter on XXXX XXXX, XXXX from a different underwriting department stating the account was closed due to in-activity. There has been no activity because the account is frozen until the open CFPB disputes are resolved. After crediting those accounts they 're still not open and did n't repair my credit report. I have documents showing negative entries on my credit report and my submission to the FTC and NCUA. To exacerbate all these issues, last month ( XXXX, XXXX ), Navy Federal decided to re-activate the account internally ( though I still have no credit limit and the card is essentially frozen ), and now ( without my knowledge or consent ) another unknown XXXX department decided to start charging me late payment fees and IR changes. There have ben no charges on this account for over a year as the account is frozen. And for some strange reason, Navy Federal decided to add more issues to an already large systemic issue related to my current open complaints.
Product: Checking or savings account

XX/XX/year> : Total costs of XXXX was done unauthorized without awareness by XXXX. It seems my card was connected to someones XXXX account which led to these transactions being committed without my authorization. I have contacted my bank waiting to see whether these are refunded but due to Wells Fargo reputation its best assumed that itll most likely be my fraud claim is denied.
Product: Mortgage

This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.
Product: Credit card

I woke up and got a text about possible fraud on my Sunbit credit card, when I checked the account I noticed fraud has been going on since XX/XX/XXXX for over XXXX XXXX dollars. When I called the company their system was down and could not help at the time. So I called back this morning and was helped by XXXX ladies, XXXX which wasn't any help in the fraud department, and the other whom was very helpful and provided me this website. 

Transactions that are fraud : 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
Product: Debt collection

Hello, I recently had a utilities bill for the amount of XXXX that was sent to collections with Associated Credit Services which I have now paid on XX/XX/2023. Unfortunately, I never received written communication from Associated Credit Services regarding this bill at my address. Under the Fair Debt Collection Practices Act, agencies are required to provide written notification within 5 days of trying to contact individuals regarding unpaid debt. Because I never received written communication, I am requesting that this paid debt be removed from my credit report. 

If your company can provide proof that written communication was provided, please let me know. Otherwise I would like a goodwill deletion as written communication was not provided. 

Thanks
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
RECEIVABLE MGMT GROUP ( XXXX : XXXX XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX  Balance {$330.00} RECEIVABLE MGMT GROUP ( XXXX : XXXX XXXX OF XXXX XXXX ) ***** Opened XXXX. XXXXXXXX XXXX XXXX {$1200.00}
Product: Mortgage

After my Husband died, I requested a loan modification. They not only ignored the request they put my name on documents I never signed. They also refinanced the home with a 30 year mortgage and now Wells Fargo refuses to answer my questions or to take my calls