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

American Express failed to apply principal balance to the principal account for set off. Violation : I submitted a restrictive endorsement ( Bill of Exchange Act ) on several occasions ( endorsed payment coupon ) which is a negotiable instrument and lawful form of payment. American Express denied the lawful form of payment and therefore caused an issue with the account and caused the account to close unlawfully. 





I, XXXX, XXXX/Agent : on behalf of XXXX XXXXPrincipal notified CFO XXXX XXXX XXXX XXXX American Express by certified mail dated XX/XX/23 instructing CFO XXXX XXXX XXXX to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. I informed American Express that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. I am trying to set off this debt as instructed by law. My tender and instructions were refused on both occasions. I notified CFO XXXX XXXX XXXX XXXX American Express by certified mail again dated XX/XX/23 and provided my tender and instructions. Again, American Express failed to perform their fiduciary duty. I received letters from American Express stating that they do not accept my presentment or negotiable instruments. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). I notified CFO XXXX XXXX XXXX of American Express a 3rd time dated XX/XX/23, by certified mail and again instructed him to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), American Express has shown a pattern of misconduct and knowingly breached their fiduciary duty ( Third Tier ). 



Federal Reserve Act section 16 part 1 and 2 states that once I submitted my application for credit, the application serves as collateral security. In an equitable contract according to contract law, both parties should receive equal consideration. I have not received my equal consideration on the collateral security created from the application in the form of interest or equity to set off the debt for the American Express account ending in 81009. 12 USC 1431 also states banks are borrowers and to pay interest on debentures ( debt instrument ). 



LAST ATTEMPT TO CURE BEFORE PROCEEDING TO LITIGATION
Product: Student loan

On XXXX XXXX, I submitted an online request to change my direct debit bank account. I was informed it would take up to 45 days to reflect on my account. I called back in XXXX and was told the new account would take place for my XXXX payment. 
I called back in XXXX, XXXX XXXX, and the rep ( # XXXX ) told me she had to email the direct deposit team and somebody would get back to me. Nobody got back to me, so I called again early the next week, around XXXX XXXX, and the rep told me to call back again later as no information was available yet. I called back yet again today, XXXX XXXX, and the rep XXXX # XXXX XXXX told me that the change would not take place until after my next payment. My payment date is the XXXX of every month. She suggested I call back on the XXXX ( my 5th call on this issue ) to confirm this change had taken place. 

This is unacceptable timeliness for what should be a simple change. This is the second issue I have had with AES, the first being when they changed my last name to reflect my mother 's new last name following her divorce ( say, my mother is XXXX XXXX and I am XXXX XXXX, when my mother got divorced and changed her name to XXXX Maidenname, they changed and FILED WITH THE IRS my name as XXXX Maidenname, and said they could do nothing to correct this. ) I have the impression they know they have consumers against a wall and just do not care because once you have your loan with them, you are stuck.
Product: Credit card or prepaid card

Please see attached letter and documentation for detailed explanation. Company has, without warning or justification, closed my account, and offered no recourse to this action.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2021 I did the COVID forbearance. I was told to call back and let them know when I can resume making payments. I contacted the mortgage company in XXXX 2021letting the mortgage company know i can resume my payments XXXX 2021. I let them know that I want to do a partial claim to handle the missed payments. Ive been making payments since XX/XX/2021 but the mortgage company liss mitigation still hasn't file for the partial claim. I've been calling the loss mitigation department since XX/XX/2021 to get this resolved and request call backs from management and I have not received any call, no email or mail communication. I found out last week that I'm in pre-foreclosure, I don't see how when my request for partial claim hasn't been made nor has it been denials. I can not get in touch with Noone to get this resolved with Crosscountry mortgage.
Product: Credit reporting

I pulled my credit file and found XXXX chapter XXXX a couple months apart And XXXX liens so I called the court house and was told verbally That they do n't report to the Credit bureau 's
Product: Credit reporting or other personal consumer reports

I have recently taken steps to address inaccuracies on my credit report by instructing Experian, XXXX, and XXXX to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite clear inaccuracies and errors in my credit reporting, all three credit reporting agencies have declared that everything is complete and accurate. This situation is in direct violation of the mandate set forth in 15 U.S.C. 1681i ( 5 ), which requires these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, I want to highlight the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have failed to comply with this crucial provision. 
I possess compelling evidence to support my claims of credit reporting violations, and I am submitting this formal complaint to the Consumer Financial Protection Bureau. My goal is to seek a resolution that ensures the accurate reporting of my credit information, aligning with federal laws and guidelines and holding the credit reporting agencies accountable for their actions.
Product: Money transfer, virtual currency, or money service

I am filling 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 act.ions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations. {$500.00} Was taken from my account. with attempt to take {$500.00} XXXX additional times after the first {$500.00} was taken. By an account who cash app name was XXXX XXXX, and the name XXXX XXXX XXXX. This happen in XXXX. I also had to block XXXX XXXX XXXX they was trying to take money out of my Cash app account in XXXX.
Product: Debt collection

Background : On XX/XX/XXXX, I contacted Midland to request debt validation and verification regarding an alleged debt. During this communication, I learned that Midland had already established a payment arrangement on the account despite my request for verification. Furthermore, I discovered that Midland had contacted my wife, who is a non-party to the alleged debt, and accepted a payment arrangement on her personal account without my consent or authorization. 

At that time, Midland 's representative informed me that the only way to modify this illegally constructed payment agreement was to admit to the debt and submit my payment information. I was informed that my wife 's payment was accepted on an override, meaning that this action was also a violation of company policy and practices. 

Under duress that my wife had now agreed to be sued by Midland-based on this unlawful agreement, I was forced to admit to the ownership of the debt to modify this payment arrangement. Deceptive and manipulative tactics were used, making this agreement likewise unenforceable. 

Additionally, on XX/XX/XXXX, I attempted to contact Midland to address these concerns. However, Midland representatives stated that they had no record of the account associated with my name and could not verify my account despite my efforts to clarify the matter using the number provided. ( This phone call was recorded ) The rep stated they have an account with, my wife, not me, despite me being the person listed. They could find no record of me in their system. 

Legal Analysis : The actions of Midland in this matter constitute multiple violations of the FDCPA, as outlined below : Unauthorized Contact and Payment Arrangement with Third Party ( 15 U.S.C. 1692c ) : Midland contacted my wife and accepted a payment arrangement in direct violation of 15 U.S.C. 1692c of the FDCPA. 

Disclosure of Debt to Third Party ( 15 U.S.C. 1692b ) : Midland disclosed information about the debt to my wife, a third party, thereby violating 15 U.S.C. 1692b of the FDCPA. 

Failure to Cease Collection Activities Upon Request for Verification ( 15 U.S.C. 1692g ) : Despite my request for debt validation and verification, Midland continued collection activities, including accepting a payment arrangement, in clear violation of 15 U.S.C. 1692g of the FDCPA. 

Misrepresentation and Confusion Regarding Accounts ( 15 U.S.C. 1692e ) : Midland representatives provided conflicting information about the accounts and failed to verify my account, constituting a violation of 15 U.S.C. 1692e of the FDCPA. 

This last point is a violation of a binding court order CFBP vs Encore 2020 that states in part Defendants and their officers, agents, servants, employees, and attorneys, and all other personnel in active concert or participation with them who have actual notice of this order whether acting directly or indirectly may not violate. 1692e. 

This bars the legal collection and filing of legal actions now that they have been shown to be violating that order.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and I've found some fraudulent accounts that are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX  I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Product: Credit card or prepaid card

Hello CFPB I applied for Bank Of America Card and Was approved. I received My card but it was Already closed already I called spoke with Supervisor name Mr XXXX and was told irrelevant and not accurate information such Credit Bureau send them information to close my account which is very strange why would they send it ... when they opened my account based on credit bureau information 10 days ago, and i was told that i have had not good relationship with bank of america or its affiliates which is also false since i have perfect credit and Flawless relationship. Please CFPB Investigate this in My Opinion VERY BIASED situation. I think It's discrimination. In Case Bank of America try to not respond to this complaint saying I need to Give My Consent, Please Know I AM GIVING MY COMPLAINT. BANK OF AMERICA NEED TO BE INVESTIGATED FOR DISCRIMINATION IN MY OPINION. I WILL ALSO FILE COMPLAINT TO MY ATTORNEY GENERAL AND ALL POSSIBLE GOVERNMENT AGENCIES.
Product: Credit reporting or other personal consumer reports

I received an email notice of a mortgage application from XXXX XXXX. I did not make the application. After contact the bank, I started working to place credit freezes at XXXX, Experian, and XXXX. 

I attempted to use Experian 's web UI but could not find how to place a freeze. They repeatedly directed me to their " credit lock '' product, which costs money. I tried using their mobile app. Same problem. Using instructions from https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ I then called XXXX. 

This is where things get interesting. 

Upon calling, a recording told me I qualified for a free medic alert device. Without taking any action, I was transferred to a recording of " XXXX ''. This recording was designed to appear to mislead me into believing it was a real person : it asked me if I could hear them, and waited for a response ; and the recording included lots of " ums '' and other naturalistic speech. When I replied " no '' to the question of whether I wanted the medical alert device, a different, lower-quality recording told me I had reached the medic alert center and could not be helped. Then another recording played me some information about Medicare insurance. Then the system hung up. 

Here 's where things get EVEN MORE interesting : I tried to capture this using a free call recorder app ( " XXXX XXXX XXXX '' ). This app works by placing a call for you to the number you're targeting. You then call the service, and your audio is passed through as it records. When you hang up, the audio is made available to you for playback. Because the recording service is placing the call, it presumably displays a different originating number. 

When calls are placed from the recording service, Experian provides an entirely different phone tree experience from a direct call. I repeated this twice with the call recorder and four times with direct calls. The behavior was consistent. 

I am uploading the audio of these calls, which were placed on XX/XX/XXXX. You can also find them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XX/XX/XXXX ; I Disputed XXXX Bk entries in my XXXX bureau credit report ; transunion deleted them after investigation. Experian claimed they were verified by the Bk court. I called the Bk court ( with the info Experian provided as there source of verification ), and also showed up in person. I spoke to the clerk and I asked about there process of verifying ; or even validating anything to credit bureaus. The clerk told me via phone and in person that : the Bk court does not under any circumstances report, validate, or verify and information to credit bureaus. I have sent 3 to 4 letters to Experian giving them the opportunity to correct this error, to add insult to injury Experian has also violated the FCRA by not marking these items disputed on my credit report, or bearing any proof that these belong Bk entries belong to me. I need your assistance.
Product: Debt collection

DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. 

THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. 

Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information
Product: Mortgage

I made my monthly payment on XX/XX/XXXX but was not aware that my monthly payment changed due to escrow balance. I was alerted on XX/XX/XXXX by email that i was past due, I than called and spoke with a representative and made a payment to coverage the shortage. I explained that I did not see the letter explaining monthly payment changed and I wanted to make sure if payment was made I wouldn't accrue a 30day on my credit report. The representative also told me she would waive the late fee as a one time courtesy credit because I had never been late. The representative failed to advise me that my payment was applied to escrow and the payment i made on the XXXX also went to escrow giving me the 30 day delinquency for XXXX that I was trying to avoid. I called when i was alerted that I had a mark on my report and asked the agent to reapply the payment to satisfy my XXXX past due balance. The agent put in a request and advised that it would be corrected by XX/XX/XXXX but will not be able to correct the 30 day on my credit report without me sending in a dispute. I understand the the first payment was short but when i satisfied the full payment XX/XX/XXXX I would have thought the payment would have been applied to past due balance first not escrow especially since my monthly payment increased to cover the escrow shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After misplacing my original credit card that I had not used in a long time, XXXX insisted that I be issued a new credit card and number. This account number is listed in the XXXX Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with XXXX with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including Equifax, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was XXXX 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a senior citizen and I need your help!
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.