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

American Express sent me a replacement card for a card that was damaged via XXXX at my request. The card was marked as delivered by XXXX but did not arrive. I called American Express customer service, who told me I could request another card, but they would have to cancel my existing card number. A replacement Card would either need to take 7 business days via USPS or be sent by XXXX  again. Since XXXX is unable to deliver my card I am uncomfortable giving them the replacement card as well, and asked for another courier to send my second replacement card. I was told those are my two options.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies on my credit report that have resulted from aggregative identity theft. The negative items in question include [ specific accounts or entries ] that I did not authorize and do not belong to me. 

Under 15 U.S.C. 1681c-2, I am requesting the immediate blocking of these fraudulent accounts. This section of the Fair Credit Reporting Act ( FCRA ) mandates the removal of any information resulting from identity theft upon the filing of an identity theft report. 

I am concerned about the integrity of your agency in handling my personal information and adhering to the law. I expect full compliance with the FCRA, and I am apprehensive that my personal information might be mishandled or even sold. Enclosed, you will find a copy of my identity theft report, along with my ID, birth certificate/Social Security card, and proof of residence. In accordance with 15 U.S.C. 1681c-2, I urge you to conduct a thorough reinvestigation of these entries and remove any unverifiable or inaccurate information within 4 business days. 


Please confirm that my data will be handled with the utmost care and will not be shared or sold. I trust that your agency will act in accordance with the law and protect my rights as a consumer. 

Accounts : XXXX XXXX {$2100.00}, XXXX XXXX XXXX XXXX {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are currently trying to refinance our homes. Through the process, we realized that our credit scores are lower with Equifax and XXXX. A mortgage company notified us that one of the " key factor '' for our lower scores was that we had " Serious Delinquency ''. We obtained copies of our credit histories with both companies. Our credit histories indicate that all our accounts are 'Paid as Agreed '. We tried reaching out to Equifax and XXXX  multiple times via phone and on-line. However, we were not able to reach anyone that could help us. We can submit disputes on-line but are limited on what we can dispute. 

Since we are not able to contact Equifax and XXXX  to request that they look into the inaccurate reporting of our credit scores, we are unable to get better mortgage rates and lower fees to refinance. We need to be able to do this to lower our payments, stay current on all our obligations and send our XXXX  to college. Anything you can do to help us reach them and resolve this issue is greatly appreciated.
Product: Debt collection

Genesis Credit Management is reporting on my credit report -collection for past due rent for apartment I notified the company that I did not sign lease for year XXXX XXXX XXXX and disputed the debt. They claim the debt is verified The lease I co-signed ended XX/XX/XXXX The apartment was rented by relative and he received summons for past due rent my name is not on the summons for XX/XX/XXXX or XX/XX/XXXX since I was not on lease. 
The court cases were dismissed since he obtained emergency rental assistance from XXXX XXXX. After he moved the XXXX XXXX XXXX in XXXX XXXX sent the notices to collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the company XXXX XXXX  XXXX, XXXX provide me with documentation that I owe them the debt that they are collecting for on XXXX and Experian. I have sent a response to them in reference to the documentation they provided on XX/XX/2022. They did not respond to this letter and have chosen to ignore the matter while still reporting erroneous information to my credit files with XXXX and Experian. I request that XXXX and Experian effectively remove this collection from my respective reports as they have failed to respond appropriately to my request on XX/XX/2022 and are violating the FCRA by doing so. See below for the claim I have submitted to XXXX XXXXt XXXX XXXX XXXX through the CFPB XX/XX/2022. 

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe XXXX XXXX  XXXX, XXXX money. However, the documentation sent to me refers to an Internet, TV, and Phone company named WOW. I sent a letter to XXXX XXXX  XXXX XXXX XXXX on XXXX, requesting they provide me evidence that I owe XXXX XXXX XXXX XXXX money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and Experian. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and Experian. I have not been provided proper documentation showing that I owe XXXX XXXX  XXXX, XXXX anything, and they have not responded to my letter for over 45 days.
Product: Credit reporting or other personal consumer reports

For my last credit report from XXXX XXXX, they reported my credit score down from XXXX to XXXX because they said XXXX XXXX reported that I was late for my monthly due of {$500.00} but that amount is not due till XX/XX/XXXX and that was end of XXXX when I check my credit report. Now if you look at their report at XXXX that amount is not due yet and now XXXX XXXX the {$500.00} was credited. I talk first to XXXX they said they will send me letter that they don't have any idea how it happened, but the letter didn't happened they said to talk to XXXX XXXX and they said they can't correct it I talk to TransUnion and XXXX customer chat they said I need a letter that XXXX made a mistake but they won't send a letter they said they can't do anything to correct it. 

I tried to send a message to TransUnion and XXXX but there is no way you can't talk to them unless you pay and enrolled and pay with their monthly fees and the customer service said they can't fix it unless I become their member. 

I am XXXX XXXX, and my e-mail is XXXX and my text phone is XXXX I am from XXXX, Ca and that's how these companies answered now by not allowing the customers to access their sites unless you pay and become a member.
Product: Debt collection

Physicians Credit Bureau # XXXX I have XXXX unverified accounts from Physicians Credit Bureau. I had previously disputed this account. I have never done business with Physicians Credit BureauPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Physicians Credit Bureau and I believe it is a HIPPA Act violation. I request that Physicians Credit Bureau Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Physicians Credit Bureau Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumbersXXXX
Product: Mortgage

In short, we closed. Everything looked good. our closing statement matched our pre closing docs, requiring XXXX cash to the table. Everything looked good. We are supposed to fund today. 

Yesterday I got an email from our broker asking for a check for XXXX to reimburse him for a credit on our closing docs. I am supposed to make it payable to the mortgage company and post date it. 

His explanation is that they gave us the credit for " advanced escrows '' as a loan and that they expect to have that money returned. They are threatening to hold up funding of our loan and / or redisclose everything, which then postpones the loan at least 6 days and funding another 3 days. 

I feel that this is not only shady and boarderline illegal ( maybe fully illegal ), but it places a hardship on us to have to come up with the money in a hurry. Nothing about this seems right. 

Apparently, he did inform me via email, which I completely missed. I would have said no to the loan at that point if I had seen it. I will include the email chains in the uploaded documents.
Product: Debt collection

This account was open in my name without my consent. I am not responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$180.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

GC Services called me this morning about my account with the Michigan State Treasury to pay off back taxes. I made a payment today, but I was about 10 days late. I didn't know they were a collection agency until I googled the phone number. I think they wanted me to believe they were the State of Michigan. The representative was incredibly rude and hung up. I am not sure if they are going to try and ruin my credit or not, but I am NOT behind on my payments, I was just a few days late ; times are hard. I have attached proof that I've made my payments. Please tell GC Services not to ruin my credit, as I am current on my tax account. These guys have already been in trouble for impersonating government officials and making threats. Here 's the link. https : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities civilly liable for negligent non-compliance. After reviewing my consumer report and related correspondences, I have identified violations that have caused financial and reputational harm.

The violations this company has set upon me are failure to follow reasonable procedures. This company has failed to maintain accurate and fair consumer reporting, such as incorrect information on my credit report. This company has failed to verify data before reporting. This company has failed to conduct a reasonable investigation. This company has failed to correct and delete my inaccurate information. As a direct result of these violations, I have suffered damages, including but not limited to : Denial of credit, loans, or employment opportunities Emotional distress and reputational harm Financial losses due to increased interest rates or other consequences Under 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles an affected consumer to recover actual damages, court costs, and attorneys fees. I request that your company take the following corrective actions immediately : 1. Correct or Delete the Inaccurate Information from my consumer report ( s ).

2. Provide Written Confirmation that the necessary corrections have been made.

3. Compensate Me for Damages suffered as a result of your non-compliance, in accordance with the FCRA.

Please consider this my final attempt to resolve this matter amicably. I expect a response in writing detailing your corrective actions. You may send your response to the address listed above.
Product: Mortgage

I have had a 30 year fixed mortgage for about 7 or 8 years ; the mortgage was serviced and or owned by XXXX XXXX XXXX simple principal and interest payment. On or about XXXX or XXXX of XXXX Nationstar Mortgage from Texas purchased my mortgage and then it began. The very first payment to Nationstar, I submitted my mortgage payment of {$1200.00} and Nationstar unilaterally decided to take from my mortgage payment {$62.00} for an escrow account, THERE ARE NO PROVISIONS IN MY MORTGAGE TO DO SO. So the writing campaign began - after several months they stopped tatking {$62.00} from from my regular payment but did NOT credit my account, therefore, from this time forward because of this my regular payments became late. I send to them each and every month my payment by Certified Mail and I have NEVER been late and/or missed any payments. I have in my possession copies of all my cancelled checks back to XXXX XXXX. Next fee to appear on my statement is a Property Inspection fee of {$60.00} - I live in Pennsylvania Nationstar is in Texas - when I inquired they wanted to make sure I was taking care of my hone! Next they " force '' me to purchase Flood Insurance for the year XXXX and XXXX it must be {$250000.00} - Flood Insurance is NOT in my mortgage agreement, I only owe {$140000.00} plus the courts have ruled you can not do so - I am a member of this Class Action ; did not matter I personally purchased Flood insurance approximately {$500.00} for each year. I have written to them by Certified Mail to Cease and Desist, delete all the fees, including the late charges, and to send me an " Amortized Statement '' of my mortgage account showing a straight principal and interest payment - to date they have refused. Requested an appeal procedure, such as arbitration, no response, no appeal procedure and no arbitration ; they just keep sending from letters, each time from a different person. I want to refiance my home because my interest rateis 8.9 % and I know it is NOT being caculated correctly ; with this on my credit record it is hopeless! Bacically, Nationstar " Unilaerally '' ignored the sign Mortgage Agreement and simple forced placed their " own '' rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several letters from y'all indicating that y'all will not put this on my credit report it is only showing on the credit report from XXXX y'all have sent me a letter stating that y'all will not put it on my credit report. I have requested information and it has not been accurate. I 'm a question that this inquiry be taken off my XXXX credit report due to yall sending me several letter stating that y'all were going to take it off
Product: Mortgage

I had a large job camcelled last fall. No money, but I got some Smaller jobs to help pay other bills. We applied for a HAMP modification about XXXX months ago. And the requests for the additional documents never stopped. " Oh, those XXXX are 90 days old now, you have to resubmit ''. Etc. each and every time they ( SPS ) was reviewing my file, they told me " this may be referred to an atty for legal action. I finally said, " are you allowed to say that while we are in the Federal HAMP program ''?. " Everything we do is in accordamce with the law I was told last week. I resubmitted my wife 's XXXX last week. I call back today for an update ( i called a day after I sent the XXXX to make sure they got them, amd they did ) and the woman tells me " your loan has been recerred to an atty for foreclosure. But no date has been set. 
And then she adds " it may take up to 30 days to review the HAMP application ''?! 
Is n't this called dual tracking? Formerly called parallel foreclosure? 
XXXX. 
I have spent the last 3 months linkng up work to get a large chunk of the arrearages paid down, ( XXXX-XXXX out of {$18000.00} ) and am working 6 & 7 days per week. And now they pull this? I thought the various " settlememts '' among the state AGs were to put an emd to this. I will have to speak w an atty about filing a complaint for mental duress. Or similar. Please see what you can do. 
Sincerely, XXXX XXXX
Product: Debt collection

Procollect contacted me in reference to a settlement. I was advised that I could settle my debt for {$500.00} .I advised that I would be able to call her back ... .When I called back Ms. XXXX placed me on hold when she returned to my call she advised that she would not be able to take my payment. After she promised that she previously could I because I do not know collections tactics then asked my sister to assist me with the call .I advised that I gave my sister permission to speak on my behalf. They refused to allow her to assist me with the call then we were again disconnected. 

I have been verbally abused and consistently disrespected.
Product: Mortgage

XX/XX/XXXX i received a check for XXXX from PHH mortgage company stating overpayment. I called they said they were not responsible for paying my taxes and I never paid anything in escrow towards my taxes. I have a years ' worth of their statements showing monthly escrow for taxes and Insurance. They did not pay my XXXX taxes even though I paid towards them in closing. They cancelled the check, but the money has NEVER made it back into my escrow account and they have now changed my payment from XXXX to XXXX. I have called repeatedly and spoke to multiple escalation managers, and it is still not fixed and my money is missing!!! I have a tax bill from XXXX and XXXX is due in XXXX months. I just had a Escalation manager get on the phone and tell me to shut up and if I want the call to go MY WAY I better be quite and listen to him, Employee IDs ... XXXX XXXX XXXX, XXXX. 
I need help as they seem to believe they can do whatever they want with my money and mortgage. PHH MORTGAGE HORRIBLE BUSTOMER SERVICE
Product: Credit card or prepaid card

I have submitted multiple complaints in regards to a credit card scam I was victim of. I have requested to have someone reach out to me via phone each time. I have yet to receive a phone call about it. When I offered to settle ( this has been impacting my credit while trying to resolve legally ) I was ran through and idc calculator. The collections agent persuaded me to answer one of the questions differently than what I had originally answered. This caused me to be denied a settlement. I have said I am willing to pay everything, including the XXXX fraudulent double charge. The only thing I am asking to settle on is the interest accrued while trying to resolve this. The collections agent told me if I don't pay the whole thing they will just sell the debt to a collections agency and just write off the lost money in their taxes. This is ridiculous and an example of irresponsible lending from Wells yet again. Wells Fargo is a parasite to American society.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXXXXXX .... Balance : {$140000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX XXXX XXXXXXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.