23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have always paid my mortgage two weeks early, I have been receiving letters monthly going back to XXXX? Stating that I was late. Obviously this was a major concern for myself. I called, talked about the issue, and was told it was resolved ( They received it early, suggested I pay it later in the month to fix the issue - it was applied as a principal only payment ). I started mailing my payments on the XXXX instead of the XXXX. This has happened every month since then and no one seems to be able to resolve the issue for me. I keep getting " My manager is n't available - they 'll call you back '' " I 'll call you before the end of the day '' " I 'll send you an email today no matter what to give you a status update ''. The issue right now is that I 'm " late '' on paying the late fee from paying early ; the same late fee I 've been told has been taken care of on multiple occasions. I also requested a corrected XXXX that showed my proper interest paid as the value on my XXXX is incorrect for 2015. 

At this point I do n't trust any of their accounting for my mortgage ; and no one is getting back to me or resolving my issue. I have spoken with McCue Mortgage on XXXX occasions at this point.
Product: Credit card or prepaid card

I made a purchase at XXXX on XXXX and returned the item on XXXX. The refund was returned to my bluebird card on XXXX. I logged on and it shows bluebird has decided to put an extra review hold on my refund an wo n't return it until XXXX. I called an was given XXXX different reasons why it was being held. I was told it was a random review, I was told it was held because it was returned at a different store than it was purchased, I was told it is a new process to allow the merchant 7 days to change there mind, then I was hung up on by the XXXX XXXX why I asked for corporate contact info then I was told by XXXX it was n't received an his XXXX says they received a memo but never received the money. I verified with the merchant bluebird was sent the money. I was also told refunds no longer go to bluebirds bank but direct to my account. All the agents are in a foreign country and very rude. They offer no resolution and never the same answer. I am at the point of contacting my attorney for a class action lawsuit because I had a similar issue that I never got a response in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.
Product: Credit card or prepaid card

I am writing to file a complaint against American Express for unfair and deceptive practices related to account cancellation and points forfeiture. 

I have been trying to cancel my American Express card ( Account Ending XXXX ) since XX/XX/XXXX XXXX Despite multiple requests, American Express has been unable to provide me access to my card, claiming they need to ship it to me first before I can cancel. It has now been over a month and I still can not access my card to complete closure as they are advising. I have made numerous calls and complaints, but the issue persists. 

Additionally, their policy states that if I cancel my card, I will immediately forfeit all my accumulated rewards points, which have a cash value equivalent of approximately {$3600.00}. This seems like an unfair policy meant to punish customers who want to cancel their card. 

By making it exceedingly difficult to access my card and close my account, combined with threats of rewards forfeiture, American Express is deliberately trapping me in their service. This is deceptive conduct that takes advantage of consumers. 

I request that the CFPB compel American Express to close my account immediately without need for the physical card, and allow me to redeem my accumulated rewards points prior to closure as is reasonably expected. American Express should not be allowed to hold customers captive via unfair policies and practices. 

Please investigate my complaint against American Express and work to stop these deceptive business practices. I have included copies of my account statements and correspondence with American Express representatives documenting the cancellation issues and points policy. 

Thank you for your help resolving this complaint. Please let me know if you need any additional information. I look forward to your response.
Product: Debt collection

BAYVIEW LOAN SERVICING LLC THROUGH ITS CRIMINAL DEBT COLLECTION ATTORNEYS, XXXX XXXX  STOLD REAL PROPERTY FROM ME, THROUGH AN ILLEGAL FORECLOSURE WITH OUT STANDING, PAYING OFF JUDGES TO BLOCK ME FROM .LITIGATING AND DEFENDING MY HOME. TO STEAL WEALTH THIS IS THE CURRENT SITUATION IN FLORIDA THE GOVERNMENT IS IN IT WITH THIS PREDATORY CORPORATIONS IN CONSPIRACY TO STEAL AND DEFRAUD PROPERTY FROM ITS CITIZENS, THEY VIOLATED MY FIFTH AMENDMENT AND FIRST, THEY ARE CURRENTLY TRYING TO SHOT ME UP AND LET THERE CRIMINAL ACTIONS GO UNTOLD AND UNPUNISHED. THE CFPB MUSY OPEN INVESTIGATION AGAINST THESE COMPANIES IMMEDIATELY. AS THEY HAVE NO RESPECT FOR THE LAW AND CITIZENS. AND ARE CRIMINAL THIEVES WHO STOLD PROPERTY AND EQUITY AND THEY HAVE NO TITLE AND ARE TRYING TO SHORTSALE THE HOME SO THEY CAN GET A HOLD OF THE CASH AND RUN LIKE THIEVES THEY ARE. THESE PEOPLE HAVE CAUSED GREAT HARMS TO ME WITH THE HELP OF THE CORRUPT FLORIDA CRIMINAL JUDICIAL SYSTEM. AS THEY ARE ALL AGAINST ME CAUSE I FIGHT BACK AND THEY DONT LIKE THAT, THIS CRIMINALS MUST BE INVESTIGATED AND HELP ACCOUNTABLE, AS THEY ARE THE CAUSE OF THE 2008 CRASH AND CONTINUE STEALING EQUITY AND MONEYS FROM CONSUMERS LEFT AND RIGHT FOR GREED WITH OUT BEEN JAILED.
Product: Debt collection

XXXX XXXX has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Product: Credit reporting or other personal consumer reports

The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a 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 my 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 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

Its beyond frustrating to see the same mistakes show up on my report over and over again. These errors are doing real damage to my score and blocking opportunities that Ive earned through hard work. I shouldnt have to keep dealing with inaccuracies that shouldnt be there in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX  removing a remark. XXXX XXXXXXXX XXXX was also included in my XXXX XXXX XXXXXXXX as of XX/XX/XXXX. This account is also over XXXX XXXX XXXX and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my XXXX, XXXX, and Transunion Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, XXXX, and XXXX  Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, XXXX, and XXXX Credit Reports including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all 3 of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX bankruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested to cancel flights that I booked through Chase Sapphire Rewards using points. The XXXX flight was going from XXXX to XXXX, XXXX on XX/XX/XXXX and returning XX/XX/XXXX. The flight was booked as two separate flights instead of one roundtrip, so XXXX cost {$120.00} or 8,382 points, and XXXX cost {$110.00} or 7,428 points. 

The travel agent on XX/XX/XXXX only canceled one leg of the flight, despite my request to cancel the entire trip. Because the Chase travel agent did not cancel the second leg, I was marked as a " no show ''. More background is that during this entire time, leisure travel between the US and XXXX is prohibited, so it was not possible for me to take this vacation. 

Previously, XXXX 's policy was to issue travel credit for unused tickets, which I had one of ( the non-no show leg ). As of today, XX/XX/XXXX, they are now issuing full refunds for flights. I was informed by XXXX that I had to go through Chase to get my refund. I got the refunded points credited to my account for the first flight but not the second. I find this extremely unfair, given that I had very clearly asked that my entire trip be canceled, and the agent failed to cancel both flights.
Product: Credit reporting or other personal consumer reports

I am contesting two accounts on my credit report that I do not recognize and think might be the outcome of identity theft, illegal behavior, or erroneous reporting. The first is a {$2700.00} XXXX XXXX account classified as " potentially negative. '' The second is a {$2200.00} collection account set up by XXXX XXXX XXXX XXXX XXXX XXXX never approved these accounts ; they are not mine. 

I will be sending a report I filed with the Federal Trade Commission ( FTC ), which details this conflict. I am claiming my rights as a victim of possible identity theft under the Fair Credit Reporting Act ( FCRA ), more especially 15 U.S.C. Section 605B. Following receipt of this dispute and my supporting paperwork, I am asking that these accounts be stopped or deleted from my credit file within the required 4-day period.

Furthermore, under 15 U.S.C. 604 the credit reporting companies have obligations to guarantee that just verified and correct information is recorded. I want an instant look at and validation of these accounts. These accounts have to be permanently removed off my credit report if the furnishers of this information neglect to produce official evidence of my authorization or a current assignment of the obligation. 

I want all three credit reporting companiesEquifax, XXXX, and XXXX act immediately to get these accounts taken off of my file. I want complete FCRA compliance. Ignoring may lead to legal action to uphold my rights and pursue statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus XXXX, Equifax and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.
Product: Credit card or prepaid card

On a recent credit check I noticed two credit pulls that I did not authorize from Comenity Bank after a credit alert was placed in XXXX of 2022 when someone opened a XXXX XXXX account with my information and a savings account with XXXX  XXXX. All of the companies mentioned were notified that these accounts were done fraudulently and police reports were filed.
Product: Debt collection

Harassing calls and bringing up the past credit one bank with XXXX credit monitoring
Product: Debt or credit management

XXXX XXXX XXXX ( acct : unknown, they dont have on to provide ) date opened : XXXX XXXX, 2023. Amount they say owed : {$1700.00}. They do not report accurate amounts, no reported paperwork dated or signed in XXXX of 2023. Paid year lease ion full. XXXX amounts reported with no signature or back up paperwork. Inaccurate duo reporting with inaccurate dates and amounts. Original creditor is selling my information to multiple 3rd parties with all different amounts. I want this account deleted please!
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I got an email from Venmo saying my account was suspended and to respond back to undo it and I did and never heard back. I had got Money sent to me on Venmo because the new family I nanny for only uses Venmo- I go into my account everything looks good but now it wont let me transfer my funds that I need
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX XXXX account XXXX was reported inaccurately and has not furnished any information that my student loan payment was ever late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account with XXXX XXXX & then XXXX XXXX  sold it to Portfolio Recovery Associates on XX/XX/2021! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report. I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$460.00} and XXXX {$120.00} and XXXX XXXX XXXX {$300.00} I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

What is the count now my heros? I have now a same from XX/XX/XXXX you closed out as redundant. NOT TRUE! The same for XX/XX/XXXX- XX/XX/XXXX and thisXX/XX/XXXX. Will you close this out as redundant too? I ask who are you working to protect. Them or I? As of now, I am feeling ignored and put in my place. My Dead Father 's information is still on all. Incorrect wage reporting belonging to him, still there. Legal Deed and Transfer illegally reported as it does not have factual information. It contains a LIE! I see a cover up. Are you willing to be complicit in this? To lexisnexis I am a JOKE. I don't think you have a better regard for me at this point. RSVP
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX I sent a letter to Sears /CBNA to validate on account they are reporting on my credit bureau. All three credit reporting agencies are reporting conflicting information. Sears has yet to respond to my validation request and its been over 60 days. Please see attached documents
Product: Debt collection

There continues to be a violation of the FDCPA against myself with NCB Management Service who has apparently sold a fraud-related debt to XXXX XXXX whom has sent notification dated XXXX listing NCB Managment Service as the current creditor which is false or misleading representations section 807. NCB Management Service has never served or provided any credit to me, nor have I ever applied or requested any credit from NCB Management Service. NCB Managment Service Continues to report this fraud-related debt to my credit file knowingly this debt has been sold which violates both the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted disputes but never heard back or saw any changes to my credit report. I didn't receive any response letters in the mail
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized accounts on my credit report, indicating potential identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are seriously impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue immediately.