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

To Whom It May Concern, I am writing regarding fraudulent bait and switch tactics of Marriott and Chase regarding the Marriott Bonvoy " BOUNDLESS '' credit card. I recently applied for the card based on the advertisements that I saw online. When I went to apply, the offers kept changing. I wanted the offer that had {$300.00} instant credit from Marriott, plus up to XXXX points after spending {$3000.00} in the first six months. After I was approved for the card, I continued to see the promotion for the {$300.00} credit. I tried to apply again, but was denied ( likely because I had just been approved ). To this day, I continue to see promotional ads in my Marriott account about the {$300.00} credit, but when I click on that link, it goes to a different offer. See attached screen shots, including that when the offer is clicked, it changes to a different offer. 

At this time, I have not received a {$300.00} credit. I have called Marriott and Chase several times, and each company just points to the other party as the one responsible for the deceptive advertising. Each one says they have no ability to give the credit. I am still seeing the promotion for the {$300.00} credit all over the Marriott website, including on the home page and also when I log into my account. This is after I have notified both Marriott and Chase that the deceptive add is still being used and there is some pretty massive fraud and legal exposure. 

TO THIS DAY, I AM PROMOTED WITH THE {$300.00} OFFER, AND THEN WHEN I CLICK ON IT, IT IS A DIFFERENT OFFER. I have called both Chase and Marriott at least two times, and they do not seem to understand, or take seriously, the ongoing fraud. 

Damages for fraud are treble, so I'd like a credit to my account of {$900.00}. 

I'm copying various enforcement authorities to look into this, including reporting to the CA AG, CPFB, XXXX, etc. 

XXXX XXXX, XXXX. 
XXXX XXXX
Product: Debt collection

A XXXX XXXX XXXX called me and said I owed {$930.00} on a XXXX XXXX account that was never paid from XXXX ending number was XXXX. I asked that they send me something in writing to my email but never received it. They said they sent it to my email 4 times. I didn't receive it. Then he said XXXX XXXX sold my account to HSBC and wanted me to make a settlement in the amount of {$630.00} then the phone call was somehow disconnected. I then called XXXX XXXX to inquire about all my past accounts with them and they assured me that I have settled and paid all my debts. XXXX XXXX even went back as far as XXXX and said I don't owe them anything. I also asked if they had sold my account would they still be able to see it and they replied yes. They did not show that any of my accounts were sold. The guy from the XXXX company said his name was XXXX XXXX his phone number was XXXX XXXX XXXX. He also said they were going to serve me with XXXX XXXX XXXX on my job. Please help
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely amended : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I've opened an account with XXXX XXXX in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a PennFed FCU Bank in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent PennFed a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.
Product: Credit reporting or other personal consumer reports

Jefferson Capitol System {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request immediate investigation and resolution regarding inaccuracies and fraudulent accounts on my credit report. Despite repeated efforts to resolve these issues through direct communication with the credit bureaus and creditors, the matter remains unresolved. The delays, now exceeding 65 days, are unreasonable and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Complaint Details Fraudulent Accounts The following accounts are fraudulent and must be deleted immediately : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX Inaccurate Reporting of Late Payments Several accounts incorrectly report late payments on Experian while other bureaus reflect accurate information ( no late payments ). The inaccuracies are as follows : XXXX XXXX XXXX  : XXXX ( Never late ) XXXX XXXX : XXXX ( Never late ) XXXX XXXX XXXX  : XXXX ( Paid in full, never late ) XXXX XXXX : XXXX ( Never late ) These discrepancies violate the FCRA provisions regarding accurate reporting of consumer information, causing significant harm to my creditworthiness and hindering my ability to pursue housing and financial opportunities.

Request for Immediate Action Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request that the fraudulent accounts identified above be blocked and deleted within 4 business days, as required by law, following the submission of appropriate documentation. 
The credit bureaus must comply by notifying the furnishers of the information that an identity theft report has been filed, a block has been requested, and the effective dates of the block. 
Attached Documentation To support this complaint, I have included the following : Affidavit Proof of Identity ( ID ) Social Security Number ( SSN ) Supporting Bills Conclusion I urge the CFPB to expedite this process and ensure compliance with FCRA regulations by both the credit bureaus and creditors. The errors on my credit report are unjust and have caused undue harm. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective action to address my concerns.
Product: Credit reporting or other personal consumer reports

XXXX- I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for 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  Equifax- I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for Equifax 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-I called the customer department and they did not help remove the negative inquiries that is reporting to my credit report Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.
Product: Checking or savings account

On XX/XX/XXXX, this is the first time that I found out somebody had hacked into my Bank of America debit card and multiple unauthorized transactions also happened. I lost {$980.00} that day so I immediately filed a claim regarding to fraud. The card was never stolen, it was with me the entire time but I did not use it at all. My debit card only had {$3.00} left at this point. The bank gave me their word promising that Ill get my money back and they will have a resolution within 10 days. And they canceled my debit card and renew a new one for me. 
However, between XXXX XXXX, my new debit car was has been compromised again which I do not leak any of my information to anyone ever. At that point, my account had XXXX XXXX left. So I filed a new claim because my money was still kept on getting scammed. And bank of america has done a poorly job to protect their customers security.

Today, Bank of America denied my claims saying those transactions was pinned and blaming them on me. And Ill will not be getting a refund but like I said I did not do all the transactions at all.
Product: Mortgage

I applied for assistance mortgage modification again with Bank of America on loan number XXXX and was lead to believe that loan would be modified due increase in Taxes and escrow payments and also other factors such as the loss of income, hurricane impact, illness in my family and XXXX loss of income.Representative also stated modification will include the month of XX/XX/2020 and XX/XX/2020 once modified I was also told total that I could not process a request for XXXX deferral in XX/XX/2020 at the same time and should wait for Modification Request to be completed. As of XX/XX/2020 Bank of America as just sent me a letter stating that I was only approve for Short Sale. As of XX/XX/2020 when applying for COVID19 again online at Bank of America for COVID19 Mortgage Deferral the online application stated can not process due the status of the loan. 

Please assist me with Bank of America also accepting my request for Mortgage number XXXX COVID19 Deferral Forbearance application. 

I am also authorization Bank of America and Consumer Protection Rep to speak to my wife XXXX XXXX regarding my application for COVID19 and modification request of my mortgage loan. My wife maybe contacted at XXXX.
Product: Checking or savings account

In XX/XX/XXXX, I opened a checking account with Bank of America. Less than three months later, they closed the account and froze my funds for weeks with no warning or explanation. Fast forward to the present day, and I can not open a new checking account anywhere because Bank of America has reported derogatory, inaccurate information about my brief banking history with them to a company called XXXX XXXX XXXX, which is accessed by 99.9 % of financial institutions before they will open a new checking or savings account for a consumer. Specifically, Bank of America 's statement on my consumer report is : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I followed XXXX XXXX 's dispute procedures to have this information removed from my account in XX/XX/XXXX. One month later, they sent me a generic form letter stating that they 'd confirmed with Bank of America that the information reported was accurate and would remain on my consumer report. XXXX XXXX provided no copies of any of the information that B of A shared with them to support this decision, and in following up with them, I was told that it will be another three years before this information will be removed from my consumer report. I 've called Bank of America numerous times to contest this, and just today, spent 2+ hours on hold with no representative ever taking my call. 

XXXX XXXX is also reporting that I have a balance owed on a previous XXXX account that has been closed for over five years, but which allegedly was just reported to them in XX/XX/XXXX. Same deal -- - I disputed this, and received a form letter that the debt had been verified as accurate, but was given nothing substantiating this from XXXX itself.
Product: Debt collection

I disputed this debt on XXXX by mail and it is still currently showing on my credit report fraudulently. XXXX XXXX XXXX was not the finance company for this vehicle. The amount owed on all 3 Credit bureaus XXXX, XXXX, and XXXX is not correct. This car was previously removed off my credit report due to it having the wrong lien holder. This car was clearly in a previous lien with XXXXXXXX XXXX not XXXX XXXX XXXX. Also XXXXXXXX XXXX  was in a class action lawsuit as well which is why it was removed previously. I am requesting XXXX XXXX XXXX to remove this false information from all 3 major credit bureaus XXXX, XXXX, and XXXX. I'm also requsting for XXXX XXXX XXXX to remove it from XXXX, XXXX, and XXXX XXXX permanently. I am not responsible for this debt due to it being previously paid off by American Coradius International LLC according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not give consent for XXXX XXXX XXXX to release my personal non public information to XXXX XXXX XXXX.
Product: Debt collection

Zwicker & Associates, P.C., a debt collector, through their agents, employees, attorneys & representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023. There is no Privity of contract. Zwicker & Associates, P.C through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying Zwicker & Associates, P.C can legally collect, and proof that Zwicker & Associates, P.C is the current holder of the instrument which created the debt with my original blue ink signature. Zwicker & Associates, P.C is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to Zwicker & Associates, P.C and I do not consent or authorize for Zwicker & Associates, P.C to have access to my nonpublic personal information as they are third parties and I never did business with them. Zwicker & Associates, P.C is also stating that they are a debt collector and also attorneys at the same time which is a violation of the fair Debt Collection Practices Act. It also appears that they are practicing law without a license and are foreign agents. I request to see their foreign agents registration with the Attorney General. And if you are being retained by the original creditor, I request to see the retainer agreement. I will report this to the Federal Trade Commission and other appropriate authorities. This is grounds for a federal lawsuit.
Product: Debt collection

In XXXX, XXXX I was laid off and went on unemployment for nearly 9 months. My son was XXXX in XXXX XXXX and as the sole provider I was unable to keep up with my financial obligations. I sought assistance with my creditors to keep my accounts in good standing. Many were helpful, some were not. Creditors that were not helpful sent my accounts into collections. Hence, this request for assistance with XXXX XXXX who is the representing attorney for Midland Credit. 
Once I found stable employment and got back on my feet I made every attempt to pay back all monies owed as it was debt that I incurred. Since XXXX XXXX, I made several attempts to reach a settlement with XXXX XXXX. I received many phone calls on my cell phone during the day at work which I could not answer. When I was able to speak with someone they stated they were an attorney in the collection department and were rude, insistent on immediate payment demanding of personal information such as finances and place of employment when I stated that I could not make immediate payment. I refused to give the information for 2 reasons, 1 XXXX it 's irrelevant/not their business and 2 ) I was fearful they would attempt to contact my employer. When I went to look up the individual that I spoke to I realized was not in fact an attorney. When I called back to discuss my account I asked him directly if he was an attorney, to which he promptly state, " No, and I never said I was. " I made offers to settle on their website which they stated they did not receive. When I submitted in writing their response was that their client " Midland '' refused the offer which I believe is false based on the fact that Midland Credit offered me a settlement on another debt I owed that was 60 % of the original debt. Which I accepted. They aggressively pursued me by phone instead of in writing as requested, which I felt was an attempt to intimidate a deceive me. They threatened legal action every time. I stated I wanted to avoid that and resolve this. I upped my settlement offers and every time I did they upped theirs. They refused all payment terms I presented. I feel XXXX XXXX is now skirting the line if not crossing it. 
On XXXX XXXX, XXXX, 1 year later, I received a letter from the Civil Court that a judge has been assigned my case. I was unaware that a suit had even been filed. I 'm now concerned that XXXX XXXX is attempting to seek a default judgement against me and will in turn garnish my wages and levy my bank accounts which will threaten my financial situation. 
I understand that they may or may not have done anything illegal but it is most certainly unethical in every sense. I 'm not attempting to get out of paying any debt I owe. I 've made fair and reasonable attempts to resolve this debt. XXXX XXXX, who represents Midland Credit has refused any and all offers and payment schedules. They are forcing me to pay what is now an even higher amount in full or go to court. I 'm uncertain why they refuse to work with me and I 'm seeking your assistance to resolve this as I feel they are forcing me into court or have already begun summary judgement proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, TransUnion and XXXX to remove all fraud alerts from my profile.
Product: Credit reporting or other personal consumer reports

Dear CFPB, In accordance with the Fair Credit Reporting Act, the unauthorized reporting of the accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies listed above have 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. 

XXXX XXXX