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

Trinity Enterprise providing misleading services claiming that by paying {$600.00} before any services provided, they would delete items on my credit report and improve my credit score. During the 8 months, I had a contract with them, no improvement took place.
Product: Credit card or prepaid card

CFPB Ref # XXXX AMEX had billed me {$590.00} ( annual renewal fee ) for a card that I do not utilize after the pandemic. Most vendors that I utilize, stopped accepting AMEX. 

AMEX purportedly is owed approx {$200.00} ( fees ) for some late payments in XXXX. I tried to explain that I had family medical issues that started in XX/XX/XXXX, after the pandemic and this occurred again in XX/XX/XXXX and has created continuous problems with family 's circumstances. 

AMEX most recently, has offered a pay to settle for approx {$330.00} on or before XX/XX/XXXX. I am trying to resolve this matter. I called the toll free number and asked for a pay for delete. The individual I spoke with at AMEX ( XXXX ). works in XXXX and said that there is no such thing as pay for delete with AMEX. When I questioned her, she said she wasn't sure and I would have to speak to another representative within AMEX ( again in XXXX ). Another representative came on the line and wanted to me go through the card number, DOB, social security number, etc.. I am being told that I'm being transferred to a supervisor, yet it seems odd that I'm reiterating my info again. Something is wrong! 

I am trying to resolve this minor issue and I keep getting bounced overseas to XXXX. I want to speak to someone in the USA to resolve this. My family and I used to get various calls ( which have stopped now ), from XXXX with thick accents as well, saying they are from AMEX. It was harassment for months. he collection representatives said they are from AMEX but they are from a collection agency. The representatives would never identify themselves as being from the collection agency, but now after I contacted the CFPB initially, AMEX has provided a written response by letter ( dated XX/XX/XXXX ), that the representatives are not AMEX employees but part of XXXX XXXX XXXX, XXXX. 

This is a minor item and it can resolved with a conversation domestically here in the USA. I'd like to have AMEX provide me with a contact person to resolve this issue. You will see that AMEX sends response letters after complaints to the CFPB with an address in Florida. There is no name or contact details for a specific person to contact, rather we call various toll free numbers and get bounced around. The letter is signed by XXXX XXXX. Who is this? Why does AMEX hesitate to sign a letter with a proper first name and last name, but yet requires customers to state, verify and reverify all their personal details? 

I find it difficult that I am contacting an AMERICAN company and can not reach an AMEX employee in the USA to resolve a minor {$200.00} issue.
Product: Debt collection

After several months of robocalls indicating that a member of our household owed debt and that said member should contact the collection agency. The calls were made by NCB Management Services , Inc., XXXX XXXX XXXX, XXXX-XXXX, PA XXXX ( or a subcontractor used by same ). We notified NCB by certified mail ( receipted by NCB on XXXX XX/XX/2021, USPS Certified Number XXXX XXXX XXXX XXXX XXXX ) to cease and desist in calling our home providing them with the guidelines set forth in Federal Trade Commission Act 805 Fair Debt Collection Practices Act ( As amended by Public Law 111-203, title X, 124 Stat. 2092 ). NCB made no effort to contact us to remediate the purported debt as set out in the above statutes. We continued to receive calls from NCB or one of its subsidiaries with the last being received on XXXX XX/XX/2021. Their continued harassment has caused us to remove our voice mail and even though their calling number has been blocked they use another number from which to call. We can not supply an account number as we do NOT have an account. They were calling our home seeking out a party by the name of " XXXX ''.
Product: Debt collection

I believe the account is invalid. SOUTHERN OREGON CREDIT SERVICE , INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


SOUTHERN OREGON CREDIT SERVICE , INC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting or other personal consumer reports

XXXX hard inquiries are reporting on my report. I did not authorize these inquiries at all. I dont have accounts with these companies. Please remove from my report immediately.
Product: Credit card

This issue has occurred multiple times. In the most recent case, I contacted Chase via their online messaging system and called them to notify them I would be purchasing appliances totaling about {$2500.00}. My account is in good standing. Despite this they declined my purchase due to " security reasons ''. With this Chase Sapphire card, I pay an annual fee of {$100.00}. Part of the reason I pay this fee is that Chase claims to provide a number of benefits including damage and price protection on goods purchased. However, when they deny my larger transactions, I essentially have no way of utilizing their advertised benefits. I believe is this deceitful and essentially false advertising.
Product: Credit reporting or other personal consumer reports

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX account XXXX in the State of Florida and resold. Under the laws of the State of ( State where the car was repossessed ) UCC ( Your states UCC code, you will need to look this up ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. 

Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. 

XXXX XXXX XXXXXXXX Is in violation of my rights.

15 U.S.C 1681 SEC. 602 A states that i have the right to privacy.

15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.
Product: Credit reporting or other personal consumer reports

There are errors that your company did not remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Fox Collection Center contacted me via mail in an attempt to collect alleged debts on XX/XX/23 and XX/XX/23. On XX/XX/23, I contacted Fox Collection Center requesting they provide validation of the alleged debts, pursuant to 15 USC 1692g of the FDCPA. Fox Collection Center failed to provide validation of such alleged debts within the requested time frame and is refusing to close the alleged accounts. I requested that the alleged accounts be closed on XX/XX/23, at which point I had still not received the validation of these alleged debts.
Product: Credit reporting or other personal consumer reports

Creditor : XXXXXXXX XXXXD XXXX Account Number : XXXX Why is there a balance being reported? 

I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

My credit report shows hard inquiries that I did not approve, contrary to 15 USC 16c-2. These errors are affecting my credit and need to be removed.
Product: Bank account or service

We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. 
PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes.
Product: Mortgage

My complaint is against LOANCARE-A Servicelink Company. My first complaint involves their failure to refund an overpayment to my escrow balance in the amount of {$2200.00}. 
Legally, they are supposed to issue a refund check to me. I have been waiting for the refund since XX/XX/2020. 

My second complaint is their refusal to provide a payoff amount as I am refinancing my mortgage with another company. LOANCARE has refused to respond to requests from my new lender. When I called to make a payoff request the automatic voice system states that I will be on hold for as much as 30 minutes. Each time I call, I am on hold in excess of 15 minutes and then they end the call. I have also tried to get the payoff amount through their automatic system. It is rigged to say that my entries were in error, tells me to contact customer service and then abruptly ends the call. 

My closing date on the new loan has been postponed due to lack of response from LOANCARE.
Product: Credit card or prepaid card

I called American Express today to say that I will likely have trouble laying next months bill, and after being transferred to 4 different  representatives, they said to call back once I was closer to my payment due date. I tried to say that I want to get ahead of my situation before I got behind in my payments, but the rep said that no matter the hardship there is nothing they can do for me right now. It was very disappointing they didnt even try to help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I got a personal loan for {$1500.00} from XXXX XXXX XXXX. This company shows itself as if they're non profit and they work to help XXXX but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX, 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MARLETTE SERVICING LLC, XXXX XXXX, entities, associations, affiliates have been pulling my credit report without my knowledge and authorization. I have a list of dates over the past few years when the different names have acquired my records. I understand this is an ongoing issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are also entities that did not have my expressed or written approval to have, used or any such authority to make any inquiries to my credit, credit worthiness or anything thereof.
Product: Mortgage

My name is XXXX XXXX XXXX and my mortgage was transferred from XXXX to Newrez. It looks like during the transition I missed a payment by mistake. I travel a lot so havent been seeing my mail, and no where in my online account at Newrez says that I missed a payment or even mentioned the late fees until XXXX of 2024, when i immediately called to make the missing payment and request the late fees to be waived. 

Ive never in my XXXX years of life have missed a mortgage payment, so Im requesting to please waive the late fees that you are charging to my account. 



My address is : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Appreciate the help!
Product: Debt collection

I engaged XXXX XXXXXXXX XXXX XXXX  for debt resolution and Rausch Sturm representing XXXX XXXX was one of the accounts and they did not engage them causing a judgment against me and garnishment which is paid. XXXX XXXX failed to provide a revocation letter to Rausch Sturm after my many attempts to call and sent emails and Rausch Sturm will not provide proof that it is settled without a revocation letter. I am closing on a house in two weeks and all I get is that " a state attorney will call you ''. I told them that XXXX XXXX XXXXXXXX XXXX is in Litigation with the CFPB and they didn't know what CFPB represented. I sent them a copy of the litigation and the condemnation of garnishment but no response yet. I need them to provide me proof they received payment and the judgment satisfied before XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXXXX/XX/XXXXthat the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXXXX/XX/XXXXhad furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing LLC has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.
Product: Prepaid card

Amex gift card that was loaded on XX/XX/24. Need it to pay bills. Continues to get rejected despite all the info being entered correctly.