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

I received advertising from American Express Credit card services, advertising perks, such as airline miles and FREE BAGS or up to 8 people in my party .... if I opened, or upgraded a card, and purchased a flight with that card. I did everything they asked : I upgraded my AMEX card, and was charged a pro-rated membership fee of {$26.00} ( from XXXX to XX/XX/2021 ) to do so. And paid that. And then purchased the tickets to fly from XXXX to XXXX with that card. And all passengers were on the same flight/manifest. Yet, when we went to check in for our flight, the booking agent said the ticket did not allow for free bags. Huh? So we paid for the bags ( using the AMEX DELTA card ) was were charged {$30.00} per bag. We had two bags, so total of {$60.00}. I figured that AMEX would see the error and credit us immediately. Instead, they refused to do so, and insisted that the only way to get he credit was to file a dispute with Delta XXXX. So now, we have paid {$26.00} for upgraded membership ( for the perks ) that we did not receive!. Plus {$60.00} for the bags ( for a total of {$86.00} ). I have tried to work with AMEX and spoken to several customer service reps and supervisors. I am astounded that they all insist that they can not reverse the charges, and that we have to re-open a dispute with Delta. Delta insists that these were excess bags ( even though they were neither too large, overweight, or a second bag ). Since Delta charged the bags as " excess '' ( even though this was incorrect ; these were the first bags, not excess bags ), they denied the dispute and Amex insists that we have to pay for the bags. And they will not refund the membership fee that I paid either, even though we never got the " perks " of membership that we expected ( free bags that I was promised ). Now they are charging me another {$99.00} to continue as a member. This is just wrong. If a customer has to fight hard to get a perk they expected to get for signing on for the card, then it is not worth it. Classic case of bait and switch. How many other people are they doing this to who just pay and don't complain, I wonder?
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Communication and Reporting to Consumer Reporting Agencies To Whom It May Concern : This letter serves as a formal notice to Celtic/ContFinco to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. XXXX U.S.C. XXXX ( a ) XXXX, XXXX U.S.C. XXXX ( XXXX ), XXXX U.S.C. XXXX ( 6 ), Cease Communication Under FDCPA, XXXX U.S.C. XXXX ( c ), I am exercising my right to request that Celtic/Finco XXXX XXXX all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, XXXX U.S.C. XXXX ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Violations Creditor did not Provide : Requested Validation Chain of Ownship ( Securitization ) Assignment Contract with Wet Signature Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations. 

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX, my wife and I opened credit accounts with Park West Gallery ( Synchrony bank ). Although I did not use my account to make any purchases, my wife at the time purchased several pieces. The agreement in place at the time of my wife 's purchases was that no remittance would be issued until she received the last piece of art. The last week of XXXX, she received the last piece and in the first week of XXXX, I found that Park West had made a derogatory report to the credit bureaus in MY name. When contacted, Park West acknowledged their error and corrected it. 
In XXXX, XXXX, I discovered that park West had once again made a derogatory report to the credit bureaus. 
I corresponded with Park West on numerous occasions over the next several years, and even retained an attorney to work on my case. Despite several written notifications from my attorney, Park West failed to correct their error and restore my good credit.Park West 's continued derogatory reporting resulted in my credit history being tarnished, a freeze on my HELOC account, and higher  interest rates on new vehicle purchases. 
In XXXX Park West charged off the account, further damaging my credit. 
Today, XX/XX/XXXX, I received a XXXX alert regarding my credit. Upon investigation, I saw that Park West has initiated some type of suit or judgement against me, but I was unable to find out more details since it was after hours. I have a number of documents to attach to this complaint which will show that I made extensive effort over a span of several years to communicate with Park West and resolve this issue, all to no avail. 
I am not adding any more data to this text block, since I am attaching the previously mentioned documents.
Product: Credit reporting, credit repair services, 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. 

XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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.
Product: Student loan

On XX/XX/year> I attempted to pay {$6000.00} onto XXXX of my unsubisidized student loans on the Aidvantage website using a savings account. They gave me a confirmation number and I could see it was deducted from my total loan amount. But a week later I went to check and saw it had been " Reversed '' on the same date and there was no transaction or activity that it was ever attempted to be withdrawn from my account. I googled the issue and found THOUSANDS of other people with the exact same issue as I am dealing with.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage payment was made XX/XX/XXXXbringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XXXX/XXXX/XXXX XXXX says they reported on XXXX/XXXX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XXXX/XXXX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LENDING CLUB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and LENDING CLUB with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 US DEPARTMENT OF EDU XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 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 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 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.
Product: Credit reporting or other personal consumer reports

I am disputing the account listed as XXXX XXXX XXXX - XXXX - {$0.00} on my Experian credit report. The account reflects a {$0.00} balance, which raises concerns about the validity of this charge-off. This inaccurate item is harming my credit report, and I believe it should be investigated and removed if it can not be substantiated.
Product: Debt collection

The company below has been calling my cell phone and my work treating to arrest or proceed with leagal action against me. This debt is not mines nor will I pay them anything. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed that {$500.00} was deposited into my checking account on XX/XX/XXXX. I did some further investigation and I found out the name of the company was Leap Credit. I've never heard of this company or have I borrowed money from this company. As of today date which is XX/XX/XXXX, they deducted {$110.00} on XX/XX/XXXX from my checking account, XX/XX/XXXX they deducted {$110.00} from my checking account and on XXXX they deducted {$110.00} from my checking account. I got my first email from them on XX/XX/XXXX that states that they are thankful for me taking the loan out and that they are letting me know that my overall cost of the loan has been reduced. On XX/XX/XXXX they sent a certified letter of a flyer about loan information that I might need to know. My question is how did they get my banking information? Before I took my vacation at the end of XX/XX/XXXX I had to go to the bank to tell them that I was going out the state so I could use my debit card in other states. I don't understand how a company can just put money in my account and then take out money without my authorization or knowledge of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the UCC code, XXXX never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the UCC. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the UCC, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the XXXX online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and XXXX violated the Michigan UCC by sidestepping the notification process that could have prevented the whole repossession to begin with.
Product: Debt collection

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX, and XXXX never responded! 

Furthermore Experian, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Experian, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing to request verification of a medical debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details on the debt are as follows : Creditor Name : XXXX XXXX Amount of Debt : {$3100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt. 
XXXX. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions of the original debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/year>, I was expecting an early direct deposit paycheck to be deposited into my account. My usual pay date was XX/XX/year>. This money never hit my account. I reached out to capital one to figure out what was happening because this has never occurred before. They did not give me an answer. On XX/XX/year> I received an email at XXXX stating what there were system issues impacting deposits, transfers and payments due to an issue with a 3rd party vendor. However this is not true, they are withholding everyones direct deposit. I have bills to pay and ones that will be late due to this, Capital one said this issue would be resolved on the morning of XX/XX/year> as of XXXX this issue has not been resolved.
Product: Mortgage

I refinance my house on   XX/XX/XXXX  and opened mortgage with Quicken Loans. My monthly payment o n 30 years fix interest loan was  XXXX  On   XX/XX/XXXX  , QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since   XX/XX/XXXX   I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. For monthly payments to Escrow account QL charges me roughly double the amount of total yearly payments that associated with my property. Current  Escrow Balance is {$2000.00} Future p ayments in following 12 month are {$3800.00} x  XXXX  property taxes.    XXXX  x  XXXX  = {$7700.00} ; {$7700.00} -  XX/XX/XXXX  = {$5700.00} ;  XXXX /12 monthly payments is {$480.00} QL instead collecting {$990.00} to create financial problems.