23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Authorized Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact : XXXX XX/XX/XXXX American Express National Bank ( AENB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Demand for Immediate Cease of Debt Collection and XXXX  Out of Account - Debt Amount : {$4400.00} ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the validity of the debt in the amount of {$4400.00} that is allegedly owed to American Express National Bank ( AENB ) and being pursued by XXXX XXXX XXXX ( XXXX XXXX . I am requesting immediate cessation of all collection efforts on this account for the following reasons : 1. Lack of Legal Ownership of the Debt It is my understanding that AENB no longer owns the receivables in question, as they have sold all of its right, title, and interest, if any, in the receivables existing in the initial accounts that AENB owns, which have been inevitably transferred to the American Express Credit Account Master Trust. Additionally, AENB is not an eligible servicer under the current Fourth Amended and Restated Pooling and Servicing Agreement, dated XX/XX/XXXX, and therefore can not legally perform servicing functions on behalf of the trust. As such, AENB does not have the legal right to collect on the debt or sell it to third parties, including XXXX XXXX XXXX. It is unlawful for a party to attempt to collect or transfer the collection rights of a debt they do not own.

2. The Trust Is the Legal Owner of the Receivables As per the AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT dated as of XX/XX/XXXX, the receivables related to this account have been legally transferred to the American Express Credit Account Master Trust, and XXXX ( American Express Travel Related Services Company , Inc. ) is the designated servicer for the trust. AENB, being merely the account owner, does not possess the authority to directly collect the debt or transfer it to third-party collectors like XXXX XXXX XXXX Any collection actions taken by AENB or its agents ( including XXXX ) are unauthorized and in violation of the terms set forth in the transaction structure.

3. FDCPA Violation As AENB is not the legal owner of the receivables, it is engaging in ultra vires ( beyond its legal authority ) acts by attempting to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited for debt collectors to misrepresent the ownership of the debt or to collect on a debt they have no right to pursue. By continuing to engage XXXX XXXX XXXX and its affiliates in efforts to collect on this debt, AENB and XXXX are violating the FDCPA by misrepresenting their legal right to collect and potentially harassing me over an illegitimate claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to my Credit union to pay off my car loan to obtain the title and attempted to use my Amex card. The credit union did not have the appropriate machine to swipe my American Express card and recommended a cash advance from Amex. While at the credit union, I called American Express for a cash advance. The Amex agent over the phone recommended I use my XXXX XXXX account to process a transaction to obtain the funds to pay my car off. The same day, I processed a transaction on XXXX XXXX for {$11000.00}. I was then able to use this money to pay off the car loan. Since then, American Express froze my account for several weeks for possible fraudulent activity. I am extremely offended after THEIR agent recommended this practice. I have had amazing and impeccable relationships with all my credit card companies. They also closed my account, reinstated and new one a decreased my credit line to an extremely low amount and forced my monthly payments to a higher dollar amount. I have asked the American Express company to pull the recording of the call to review THEIR employees guidance. Since then, I have not heard from anyone and received my new bill, with a new number and a past due amount! My credit has been excellent. I have an account closed by grantor and a new account that is now showing past due. I have tried to escalate this problem to management but my calls seem to be intercepted by call center agents and my complaint is still not handled appropriately and IGNORED. I have been in XXXX XXXX for over 23 years and would not tarnish my reputation over a senseless act. Please have American Express pull their recording, confirm their agent provided guidance to perform a XXXX  XXXX  transaction, return my line of my line of credit, and fix my credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXwo fraudulent accounts were being reported on my credit as having a balance due with XXXX XXXX. i disputed the items with all credit bureaus including transunion. the accounts in contest were deleted from my transunion report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to transunion, and to XXXX XXXX through transunion.
Product: Checking or savings account

I made an online purchase for a painted replacement car hood using my debit card on XX/XX/XXXX in the amount of {$860.00}. When the shipment came it was not the correct item. I tried to resolve this with the merchant by phone and email. Per the merchants request, I sent an email to the merchant describing the issue with pictures comparing their item to my existing hood demonstrating they were different size and shape. The merchant never replied to the email to acknowledge the mistake and they stopped answering my calls and messages. 

Around XX/XX/XXXX I turned to my bank PNC to dispute the charge. I filed the dispute within their allotted timeframe. I filled out their online form and later I received an email asking for more information. I replied with a detailed description of the issue including a copy of the email transcript I had with the merchant asking me to send side by side comparison pics of the items ( an email that they did not reply to ). 

I received a letter from PNC dated XX/XX/XXXX stating we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request the documentation we relied on in making our determination. I called PNC to request this documentation and after calling 8 times to reach someone and being transferred to many associates I finally spoke with a woman who told me I will be honest with you, the only other way you can handle this is through a court because all we tried to do was retrieve the funds and the merchants dispute was that the transaction happened as planned. She also told me that there was no documentation of the investigation to give. XXXX previous associates I spoke with also said there was no documentation. 

My problem is that if any real investigation occurred it took place in a perfunctory manner and the bank did not honor their policy to refund such purchases where an item is clearly incorrect and the merchant is not cooperating. Also they refused to give me documentation of the investigation which has hindered my case against the merchant with the Attorney General in that state. The merchant is telling them that my bank, PNC, sided with them. It has been 9 months and I have not been made whole financially in this matter. I will again attach receipts, email transcripts and pictures showing the merchant painted and sent the wrong item ( even thought it was in the correctly labeled box ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Cash application data breach in 2021. Scrammed out of {$3600.00}. Scammers used my personal information from my cash app to withdraw money from this account. I deleted the cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I have XXXX 0 % promotional loans on my Discover Card with differing amounts and end dates to promotion period. I want to pay them off and avoid the 20 % interest after promotion period. When I could not find the loan amounts and promo period dates on their website or my statements, I sent an email. As you can see from the attached message string, Discover refuses (! ) to provide me with this information. I find this hard to believe its even legal. Please help.And thank you for the great work you do!
Product: Debt collection

prior to XX/XX/2018 i had recieved several robo calls from XXXX XXXX then from maury cobb law office. finally after 5/6 times of telling maury cobb not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for XXXX XXXX nor XXXX XXXX to give my personal information to personnel i do not know. 

XXXX did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from maury cobb law office has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to maury cobb but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the maury cobb representative stated the collection will be removed.. he said i had to call XXXX XXXX XXXX XXXX said they will report to the credit bureas but collection will remain. maury cobb said collection will be taken off. i told XXXX i only made payment as a condition of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report is inaccurate
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXXXXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX  | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft.
Product: Mortgage

I am interested in refinancing my mortgage. I saw an ad for Lending Tree online and filled out a form to have some lenders reach out to me about the possibility of refinancing. I did not realize how many calls I would get or who Lending Tree would sell my information to. I will never do that again! I started getting around 20 calls a day and many were repeated throughout the day. 

My compliant is that I believe my information was also sold to fraudsters. After filling out the form, I started getting calls that the SSN administration had an officer of the law that needed to speak to me. Or that I was going to be arrested if I did not press 1 to speak to an officer of the law. 

I can't prove it, but, these calls came out of no where and were incessant after I filled out the form on Lending Tree. I believe Lending Tree sold my information to fraudsters.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple inaccuracies that require urgent correction. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally obligated to verify these accounts. Reporting unverified information without proper evidence is a violation of federal law. I insist on an immediate investigation and correction of these discrepancies regarding the following accounts listed in my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Days : XX/XX/XXXX and XX/XX/XXXX Payment Status : Current XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current
Product: Payday loan, title loan, personal loan, or advance loan

The company STAR LOANS IN HUMBLE TEXAS has been harassing me even after I asked over 5 times to not call me. I Informed the young lady " XXXX '' or " XXXX '' that whenever I have the money I will make payment. The young lady took the matter personal and used words that were very unprofessional. She called me " buddy '', " XXXX  '', " XXXX '' and said word for word, " well why did you get the loan if you couldn't pay it XXXX  ''. I hung up after arguing with the lady and asked the company to stop reaching out to me. I asked her, " mam, I will not argue with you, behind {$65.00}. Please stop yelling at me and as I stated when I have the funds I will provide. '' As a place of business, this matter seemed personal and not business professional. 
I also told the company do not pop up at my house due to me having kids and my security. They would bang on the door for XXXX minutes. I have video footage from my security camera as well. This company popped up at my house 3 times and I have video footage even after asking them not too. 

My community is gated and I am not giving access, therefore I'm not sure how they are getting through the front gate. The front office notifies us of any visitors, from doordash to people stopping by, so they are either driving behind a car through the gate, and at that point its harassments. 
After speaking with front office, XXXX ( XXXX  XXXX ) stated they never spoke with the company, and this is our residence. Its their duty to protect. I'd like to file a complaint and also if possible may counter sue for harassments. I have never dealt with such an unprofessional loan company. The payday loan is under {$250.00}, and considered civil, and not major. 

" XXXX '' also said that they would have to sell to litigators etc. I informed them I know the proper protocol and if that's what they need to do, I proudly will take responsibility and deal with the litigators. She then kept arguing. I agreed and I'm assuming she tried to scare me off, but it did not. As a consumer, and anyone, I know how credit works. Report it and leave me alone, Stop harassing me as a personal matter, its a business matter.

Its unprofessional and as a place of business calling me degrading words, that's unacceptable.

I am a current law student, as well and have two well known commercial attorney parents and finishing my last year. As learned and experienced, harassment is unacceptable, with no exceptions.
Product: Credit reporting or other personal consumer reports

Due to identity theft I had my credit file frozen. Experian removed the security freeze from my account without my prior knowledge or consent. The removal of my security freeze was not initiated by me and therefore gave authorized access. Experian had no right to do that and continue to put my information in jeopardy. Their actions should not be deemed legal and every negative reaction as a result of their account should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account with XXXX back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked due to a data breach from all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax,  XXXX  and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX. THE BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app parentheses ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E .These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with you guys ( Consumer Financial Protection Bureau ) regarding PMAB and their continuous actions regarding unverified medical collections that they continue to place on my credit reports. On XX/XX/XXXX XXXX XXXX responded and stated that they are still working on the issue. He also stated that he saw that I had medical insurance and is now reaching out to their client. Well on XX/XX/XXXX PMAB has placed yet another collection on my reports in the amount of XXXX. PMAB has yet to clear up the discrepancies from my former complaint on XX/XX/XXXX. This company is ruining my credit and my character by placing these unverified medical debts on my credit reports. Their practice is outside the scope of the FCPCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My Name is XXXX XXXX - address is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX. email address is XXXX. 

My mom recently died on XX/XX/XXXX, XXXXand we are in the process of trying to sell her home. My mom lived with my sister at her home for the last 3 years which is XXXX XXXX XXXX- XXXX, Michigan XXXX. 

My parents had taken an equity line out back in XX/XX/2010 and since that time the XXXX XXXX sold to Chemical Bank and then sold to TCF Bank and Huntington Bank just brought TCF Bank. 

Huntington Bank is giving us a payoff of {$14000.00} but refuses to state to the title company XXXX XXXX XXXX in XXXX, Michigan that this will take the lien off for the property located at XXXX XXXX XXXX XXXX, Michigan. This is causing a problem with the closing on the property. We need help with trying to get this bank release the lien. I have attached the documents pertaining to this Equity Line. 

Thank you in advance for trying to help us.
Product: Mortgage

Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value '', and sought a loan modification ... not bankruptcy. We did not want this, attorney gave us no choice. Attorney did not utilize " request for production ''. He did not request our records from them, and did not submit my records to them. Loan modification took 3 years and {$47000.00} of interest was added to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a vehicle from XXXX. XXXX collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. XXXX used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this credit check.