23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S.Code 1691 ( c ) you assume civil liability pursuant to 15 usc 1691 ( k ) American Express has violated my federally protected consumer rights. 

XXXX Before proceeding with a formal lawsuit, I am open to a meaningful resolution to address the issues mentioned above. Since the letter I received is both proof and evidence that I have been discriminated against, they are criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received no benefits. 

So it shall be unlawful for any creditor to discriminate against Any applicant with respect to any aspect of credit transaction for the damages that have been done to my mental distress and financial reputation. 

I expect your response within a reasonable time frame, ideally within 15 business days from the receipt of this notice. Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer. 

AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX XXXX File Number of Depositor/Registrant : XXXX American Express Receivables XXXX XXXX XXXX XXXX XXXX as Depositor of the Trust By : /s/ XXXX XXXX Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Proof of validation and verification of debt with full name and address and if charged off, I never received 1099. 
XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/XXXX I received notice that my mortgage will be transferred to Mr Cooper effective XX/XX/XXXX and that my payment due on XX/XX/XXXX should be sent to Mr Cooper. 

On XX/XX/XXXX, I scheduled a payment for XX/XX/XXXX to Mr Cooper via XX/XX/XXXX Online Bill Pay. The payment was withdrawn from my account as expected on XX/XX/XXXX. 

On XX/XX/XXXX I was granted access to my Mr Cooper account online and noticed that it said a payment was due XX/XX/XXXX. I called Mr Cooper and spoke with two representatives, neither of whom were able to locate the payment I had made on XX/XX/XXXX. 

As directed, in order to initiate a " Missing Payment Search, '' I emailed XXXX with proof of the payment and details of the situation on XX/XX/XXXX. I have not received any further correspondence regarding the situation. 

{$1400.00} has been debited from my XX/XX/XXXX checking account, but Mr Cooper has no record of having received this payment.
Product: Debt collection

Back in XXXX Starmark financial called me at work after not being able to reach me on my personal phone. Asked Starmark financial to not contact me at work and they said they would not contact me at work and that my work phone number was deleted from their system. I was unable to answer one of their calls and they once again called my job on XX/XX/XXXX.
Product: Mortgage

We refinanced a mortgage that was help by PNC in XXXX. PNC provided the new mortgage holder with an unrealistically high payoff estimate and we asked them to provide a newer, updated estimate before closing but they refused. They were eventually sent {$830.00} more than was necessary to pay of the old mortgage in XX/XX/2017. We asked them to refund that to us by direct deposit into the same account that we had been using to make our payments for the last 10 years and they refused. They placed the funds in an Escrow account and said they would return it to us within 20 days. On XX/XX/XXXX the money was withdrawn from escrow and I was told in a secure message that it would be mailed that day. We still have not received the check and they are not able to provide any proof they have mailed it. There was no legitimate reason for them to hold the funds for 20 days and no legitimate reason for it to take an additional two weeks to make it to us through the mail. The only advice they have for us is to continue waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX
Product: Debt collection

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX XXXX '' insurance ID XXXX. After a while, I received a bill from the hospital for {$960.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$960.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

Kindly remove these addresses I will provide my documents to verify my address. 
The only name that should be reporting on the file is XXXX XXXX XXXX - remove any other names that isn't my name like XXXX XXXX XXXX - My middle name is XXXX. 

The only address I have is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX kindly remove any other addresses on your file.
Product: Mortgage

I held a mortgage with US Bank for XXXX XXXX years in good standing. Toward the end of the note, my husband ( whom I was a non-filing co-debtor with ) made some poor choices financially and had to file a XXXX XXXX XXXX that DID NOT include our mortgage. US Bank took the account ( XXXX ) completely off MY credit report, even though I had XXXX involvement with the XXXX and the mortgage was not included in the filing. When I contacted them to inquire about it, they gave me a very non-specific response involving ensuring they follow bankruptcy guidelines so it felt like I got nowhere. I contacted them again after the non-specific letter was sent. They stated they would reinstate it on my credit report once we paid it in full. The monthly payments the entire life of the note were never missed and the account was paid off in full on XXXX, however, this is XX/XX/XXXX and the account has not reflected back on my credit report as a balance paid in full nor was any of that history of good payment reflected back on my credit report. Their actions of taking it off in the first place negatively impacted my credit score and I have been trying ever since to get it recovered. This entire situation is unwarranted and completely unfair given my circumstance.
Product: Credit reporting or other personal consumer reports

I only have XXXX place of residence. My place of residence is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have addressess on the report that does not correlate with me in any matter. I have not leased, pay mortage or reside in any these addresses below : XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.
Product: Debt collection

I received information from LVNV Funding LLC in reference to an account they claim I owe {$690.00}. Ive never conducted business with this company and I sent several validation letters and fact act letter to the company who in turns sends me summaries of bills from a credit card company. I contacted the 3 credit bureaus that are reporting this illicit item on my credit file in an attempt to have it removed. The item is still on my credit file after I sent all three Bureaus the information I received from LVNVFunding LLC., and the item is continuing reporting on my credit report. According to the FCRA rules a debt collection agency must provide a signed contract bearing my name indicating I have conducted business with this company. LVNV Funding LLC refused to comply with the law by reporting this item on my credit file damaging my credit. 
I have not heard from this company after my last letter demanding them to produce a sign contract or contact the 3 Bureaus, XXXX, XXXX, and XXXX to remove the items until they have legally verified this debt belongs to me. 
I am request CFPB to conduct a full investigation of this matter.
Product: Credit reporting or other personal consumer reports

I was switched from XXXX to Ed financial loan servicer and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that Ed financial has not reported anything. So I called ed financial services and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.
Product: Mortgage

XX/XX/XXXX - Loss of employment, equivalent to 51 % of family income, starts a spiral from a previously remarkable rebound from prior financial hardship. Savings along with severance pay allowed for XXXX XXXX and XXXX XXXX mortgage to be made. 

XX/XX/XXXX - Miss first payment from current hardship. Sought employment during holiday season. 

XX/XX/XXXX - Contacted Ocwen Mortgage Servicing to request modification of our existing loan. 

XX/XX/XXXX - XX/XX/XXXX - Negotiated, communicated, discussed with XXXX Relationship Manager documents needed. options to foreclosure, requested assistance due to financial hardship, and future options. 

XX/XX/XXXX - Notified by Ocwen that loan will b transferred to PHH Mortgage effective XX/XX/XXXX. Asked what that may do to our situation. Was told by Ocwen rep that was up to PHH. 

XX/XX/XXXX - Sought assistance from XXXX XXXX XXXX XXXX to discuss options with new lender, PHH Mortgage Services regarding modifications and additional options to save home. 

XX/XX/XXXX - Offered partial, or current payments to PHH and negotiate to past due amounts. Awaiting decision.
Product: Credit card or prepaid card

avant credit card, Dates XX/XX/XXXX  XX/XX/, XXXX XXXX  Monthly payment XXXX  $ I requested Mutiple of times to have my late payments remove due to me being XXXX due to XXXX I was XXXX and wasn't able to make any payments or work at the time due to XXXX XXXX I advise advise the company requesting to have the late payments removed,
Product: Credit card

Without fail, I've upheld timely payments on this account, preventing any overdue instances. The reasons behind remarks on my accounts are unclear to me. Referring to 15 USC 16662 - Billing Error, corrections should be made
Product: Checking or savings account

I applied for and received a Cash Reserve from Truist Bank. The initial approval was for {$750.00}. I received the money but then they changed the approval amount to {$500.00} after I had received the money and then tripled the repayment amount and eventually took all the money they said I owed causing me severe financial hardship.
Product: Checking or savings account

I have been with Fifth Third for 20 years and have never had a dispute of my debit card being stolen. On Saturday XX/XX/XXXX at approximately XXXXXXXX XXXX I received a text message from the Fifth Third Fraud dept. asking me if I was at XXXX trying to charge {$250.00}. I text back No. I went to look in my purse and that's when I discovered that my wallet was stolen from out of my purse. I immediately called Fifth Third and they told me they have now deactivated the card and they'll mail me out a new one. I asked about disputed any charges and they told me I had to wait until all transactions have cleared before I can dispute the charges. On Tuesday XX/XX/XXXX all charges had finally cleared. I called them to dispute the charges. On that day there were about 10 to 12 charges that cleared. I asked him were they charges from XX/XX/XXXX because I only made 2 transactions that day and told him which transaction they were. He went on to name atleast 8 transactions. I again kept reiterating to him I only made 2 transactions on XX/XX/XXXX before my card was stolen. They sent me a letter denying my claim because they said some of the charges were from before my card was stolen and they couldn't clarify. I called and spoke to a dispute supervisor after reviewing my account and told her specifically which 2 charges that were from the fraud. They said they would open the case back up to review it again. They denied it again because they said they have to base it on the original dispute call on XX/XX/XXXX. They told me that even though they do know that there was fraud and they did text me to let me know about the fraud and they know that I called back in to correct the verified fraud charges that they're decision is final because they have to base it on the call on XX/XX/XXXX and not the call of me correcting the dispute charges which was a XXXX gas station for {$110.00} and a XXXX XXXX purchase of {$250.00}. They blocked the XXXX of the {$250.00}, that's when they text me and alerted me of my card being stolen.
Product: Debt collection

In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I  received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ).  Where is the proper validation?
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is to put on notice that Transunion received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Pennsylvania and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Transunion and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.
Product: Credit reporting or other personal consumer reports

All my personal information and various things on my report, has never been deleted from my credit, things that were paid was not deleted from my credit report, my personal information was leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes to continue  investigating my complaint. ) This account is reporting in error. I had tried to contact XXXX and after numerous attempts I finally spoke with an account supervisor who told me she could not locate any information on this account. She suggested I contact the corporate office which I have and no one has called me back. There is no account for corporate to access either. This information is clearly being reported in error and is seriously harming my credit score. This line item needs to be removed from my credit report. I  have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

Companies : 1. XXXX XXXX 2. Genesys National Recovery XXXX XXXX with executive order during emergency covid-19 closed gym without providing services, debit account monthly. I have never received answers and they have never solved my problem since since XX/XX/2020 I issued a request to cancel the contract and they do not cancel according to its clause 10 of XXXX XXXX If they are closed for 90 days it can be canceled without any charge and that is what XXXX XXXX has not done
Product: Mortgage

I am struggling to pay my mortgage. I have enlisted the help of a realtor to sell my property via short sale. They have sent the offer and all required financial documentation to HomeLoanServ multiple times, to multiple fax numbers and email addresses, since XX/XX/XXXX. Still, HomeLoanServ has yet to acknowledge receipt of the documents and begin the short sale review. Each time they are called, they give a different fax number or email address. On XXXX the complete package was emailed to XXXX and XXXX. On XX/XX/XXXX we received a request from " XXXX XXXX '' of HomeLoanServ to resend some documents, which were promptly returned to him at XXXX, but he never replied. By XX/XX/XXXX the customer service reps advised that they did not have any of the documents, which is different that what was received via email from XXXX XXXX, and asked us to resend all documents. On XX/XX/XXXX they were faxed to XXXX and XXXX, and emailed to XXXX. As of XX/XX/XXXX they claim to still have received no documents, so the entire short sale package was sent again to XXXX and XXXX, and emailed to XXXX as well as the new email address give to my agents of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I have contact 21st mortgage multiple times about not being able to make my payments due to losing my job due to COVID. They tell me there are no programs or any kind of assistance available to help with my mortgage payments. I believe this is because I have a learning XXXX and they use this against me. They like to think I am stupid. prior to losing my job, I never missed a payment and had a good payment history for the past 10 years. I inquired about forbeance. They stated that this was not an option for me. I have been out of work since XXXX. I did however make a mortagage payment with my last check in XXXX. I attempted to make a payment in XXXX by selling some of my belongings for them to only return my payment to the bank, after sending me a receipt for the XXXX payment. I received a letter in the mail today saying help was available and to contact a XXXX XXXX. I contact her with no availability. XXXX XXXX told me even though I received a letter staying that if I have a temporary hardship. The assistant said they still could not help me and send out these false letters by law. I have been under a hardship since losing my job. I cant even buy food or pay my electric bill. These people do not care and do not offer any solutions or help to get you back on track. They just said letters saying they will help you, when they wont because its the law. I can not give someone money I do not have. I have been attempting to sell my home. As I thought I had a potentially buyer. They have backed out of the sale. I do not want to deal with a company like this who doesnt give a XXXX about their clients.