23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Express Credit Card balance of {$89.00} was paid in full on XX/XX/22 at the Express XXXX XXXX XXXX XXXX in XXXXXXXX XXXX The Commenity Express Card keeps sending me monthly statements with late charges. I filed an internal complaint with copy of receipt from the store. I received a confirmation letter on XX/XX/22. 

On XX/XX/22, I mailed out copy of the receipt along with the letter. 

Then last week, don't have the exact date, I contacted the Customer Service Dispute at ( XXXX ) XXXX and spoke to XXXX who confirmed received of copy of receipt ; however, stated that it takes between 30 to 90 days to get confirmation of payment. 

This is affecting my credit since they are charging me late fee every month since XX/XX/22. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been working with a case manager at Experian named XXXX XXXX, who had previously validated that I am a victim of XXXX XXXX  Due to this situation, XXXX had been actively assisting me throughout XXXX  and XXXX  in removing fraudulent accounts that continued to appear on my credit report. 

Over that period, XXXX successfully removed several accounts that were opened in my name by individuals involved in the XXXX  XXXX. Unfortunately, I am unsure of what happened to XXXX. When I contact Experian, I am told that my previously submitted information no longer proves that I am a victim. 

Since then, I have uploaded new documentation, including court records, to support my case further. Additionally, I will upload copies of past correspondence from XXXX XXXX that confirm my victim status and document her actions in removing fraudulent accounts. Because of these efforts, I am still informed that my documentation is insufficient, which contradicts XXXX 's previous validation. 

Details of the Issue : Previous Case Manager : XXXX XXXX Dates of Previous Assistance : Throughout XXXX  and XXXX  Actions Taken : XXXX consistently removed fraudulent accounts as they appeared. Despite her confirmation of my victim status, my updated documentationincluding court records and XXXX past actionsis now being deemed insufficient.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR XXXX et seq.. 

Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A. 

I have repeatedly complained to this agency, and repeatedly complained to PHH as  the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' ) that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : F-34006-09 declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( 2 ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation. 

Furthermore, PHH and / or its agents are willfully failing to acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ). 

The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. XXXX ).
Product: Checking or savings account

On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

I have Direct and Direct Plus loans in the SAVE plan that are serviced by Aidvantage. Since summer XXXX, these loans have been in the 0 % interest forbearance due to SAVE plan litigation. On XX/XX/XXXX, Aidvantage sent me a document titled " Change In Loan Terms '' which charged an interest payment and resulted in an increase of {$160.00} to my total loan balance. 

On XX/XX/XXXX, I spoke to an Aidvantage representative who confirmed the interest charge was improper and submitted a dispute to reverse the accrued interest. The dispute was to be completed by XX/XX/XXXX. On XX/XX/XXXX, I spoke to a second Aidvantage representative who said that the outcome of the dispute was not available. On XX/XX/XXXX, I spoke to a third Aidvantage representative who said the dispute was still not resolved and confirmed that I should not have been charged interest. This representative took more information and submitted a detailed explanation to the dispute team ( ticket # XXXX ). 

On XX/XX/XXXX, I received 3 emails from Aidvantage. The first email is titled " FFELP 3rd Delinquency Notice ''. It stated : " Your account became past due after you missed your payment on XX/XX/XXXX. The amount past due is {$340.00}. '' I am not now and never was on the FFEL program, nor is any amount past due. The other 2 emails are titled " Monthly Statement '' and request payments.

Aidvantage has improperly added interest to my loan balance, falsely stated I am in FFEL program loans, and apparently is improperly attempting to collect payments while I remain on the SAVE plan which is in forbearance.
Product: Credit card

On XXXX XXXX I charged {$120.00} for a deposit to get my eyebrows microbladed on XXXX XXXX at XXXX. The owner of XXXX canceled my appointment on the day of stating she was under the weather. I reached out to her to reschedule but in over a months time there was no resolution so I ultimately disputed the charge. Apple keeps ruling in the merchants favor although the service was not provided and I gave proof of our correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRIES NOT RECOGNIZED XXXXXXXX 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 XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX Date of XXXX BRCLYSBANKDE Date of XXXX XXXX  Date of XXXX
Product: Credit card or prepaid card

This is in regards to my XXXX XXXX XXXX application serviced through Synchrony Bank. 
I was so excited to hear that XXXX was offering this, as I have been in the process of rebuilding my credit. Ive been a prime member for years and this would be a great way to help with my credit building process. 
I applied on XX/XX/2019 with my SSN # and was approved for the secured XXXX XXXX. I received an email stating that I was approved and that I could follow a link to be able to deposit onto the card. The link is XXXX. I followed the link which takes me to the help section of the credit cards listed on XXXX XXXX. There is no link or information on how to deposit to get this account going. I have spoken with XXXX support about this and they directed me to contact Synchrony Bank about this account. 
I did so on XX/XX/2019 at approximately XXXX pacific time. I was transferred 5 different times, hung up on twice, was even told that I didnt have an account. This account has still not been funded. The last representative I spoke with informed me that if I was using my phone that could be causing the issue with the link. I just tried on my laptop at work and I still get the same issue. The manager informed me that I would need to send a check to set up the account. I refused this with me stating, that the number which was dialed to get in touch with her says with options that I can fund this over the phone with my checking account routing number and checking account number. She dismissed this stating that they dont do this. 
I am very disappointed in the customer service and disrespect that I was received. This is on on my credit report as a hard inquiry and I would like it to be on there as a credit card. The business practices that was shown today by Synchrony Bank has forced to file a complaint with not only Synchrony Bank organization but also with XXXX, the CFPB and the XXXX. Its a shame that Im doing my best as a consumer to pay off my debts and to improve my credit worthiness that a company would put someone through this and yet still have no solution. 
Please contact me for any questions regarding this matter as I would like a follow up as this is on my credit now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Product: Mortgage

I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to XXXX XXXX XXXX XXXX they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
Product: Credit card or prepaid card

On XXXX XXXX I receive a Capital One credit card a welcoming package by mail at my home address. I also received a email text with a link to set-up my banking checking account with this card for payment source..The Capital One credit card came with a mobile text number to one step mobile app to activate card.I did n't care to use mobile app because I do n't trust this source and not very text literate ... That 's where the problem started ... I call customer service was asked a lot of personnel question gave everything they as for and offered any information they needed ... after about 30 min the agent gave me a number to card XXXX a secure service ... The agent Who said her name was XXXX asked me many of the same questions as the first, put me on hold for more than 15 min came back and said the to number I gave her had issues and to hold, again 10 min..now it was about XXXX XXXX central time ... .she came back it will take some time to activate that capital one master card to get information about my license card ... I told her I have any thing she needed on hand ... .she said no she would send me a email and about 72 hr ... ..I told her I am not tech literate as far as up-loading any thing ... well she said it was a problem ... I told her if it such a problem maybe the should be cancel she did..I called back to speak another agent the ca n't help it is cancel ... .all of this because I have a XXXX XXXX that I am receiving treatment since XXXX..no help from this company with me not being smart with this tech thing..
Product: Credit card or prepaid card

Dear officer, This is a loyal customer of American Express ( since XXXX ). I have had an issue with the {$200.00} FHR credit on my XXXX XXXX account in the year XXXX. Multiple cases have been opened on my behalf with AMEX but none of them have resolved this issue, so I have to make this complaint to CFPB. 

What has happened is really simple, as shown in my attachment 'Card transaction history ', there are XXXX {$200.00} been given to me from FHR on XX/XX/XXXX and XX/XX/XXXX, and {$400.00} in total reversed FHR credit by 3 transactions on XX/XX/XXXX and XX/XX/XXXX. I have one valid booking of {$400.00} on XX/XX/XXXX ( that I have not canceled and stayed on XXXX XXXX ), and all other FHR transactions that are greater than {$200.00} would balance out as those are FHR reservations made and canceled later. 

Therefore, I have attached my valid FHR booking for one night in XXXX ( attachment 'XXXX XXXX XXXX ' ), which should be qualified for the {$200.00} credit according to your benefit terms ( also attached " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). The benefit terms only indicate that 2-night stay is required for " The XXXX XXXX '', not " XXXX XXXX XXXX XXXX ''. The hotel I stayed at is XXXX XXXXXXXX XXXX XXXX XXXX XXXX indeed an FHR hotel. I am really tired of arguing with AMEX back and forth about this, please do a thorough investigation and credit the {$200.00} FHR credit to my account to resolve this. Otherwise, I will have to escalate this to small claim court, which would be waste of time for both sides. I truly appreciate your assistance.
Product: Debt collection

I disputed this Alleged Collection Account XXXX on XX/XX/2021 I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and XXXX XXXX XXXX ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX XXXX XXXX XXXX with tracking numbers XXXX other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs.

( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA, including, 15 U.S.C. 1692g ( b ), etc. 

First, you have failed to obtain and send me verification of the alleged debt as required by law. 
Therefore, you have not obtained and mailed verification of the debt as required under the FDCPA. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease & desist collection and delete your credit reporting of the alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person, e.g., a consumer reporting agency, credit information which is known or which should be known to be false.
Product: Credit card or prepaid card

Over four months ago, I contacted US Bank regarding three credit card accounts that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain 1099Cs for discharged of his alleged debts so that I could file his final tax returns for XXXX. US Bank was kind enough to do this and they forwarded three 1099Cs which I used to file my brothers taxes. ( copy attached ) Unfortunately US Bank continues to report on my brothers credit reports that he still owes them on these three accounts even though they clearly have discharged them. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, US Bank is still in the position to either attempt to collect or sell off these debts to a third party as long as they are reporting these accounts to the credit agencies and while these accounts appears on his credit reports. While I do not think that this is a malicious act by US Bank nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to US Bank on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with US Bank and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Escalation and Collection Department, who told be that to her knowledge the debts were discharged and should not be reporting to the credit reporting agencies. Nevertheless as of today these account are still being reported to the credit reporting agencies despite what US Bank is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report these closed and discharged debts.
Product: Vehicle loan or lease

XXXX stated in XX/XX/XXXX that they repossessed the vehicle, yet when contacted to retrieve personal belongings, it was stated that the car was not in their possession at any time during the XXXX timeframe, and the result is that the XXXX XXXX police had no notification of said repo, and can not locate the XXXX XXXX XXXX anywhere in its jurisdiction or surrounding areas.