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

I applied 4 a XXXX rewards card via Chase received it on XX/XX/XXXX and had 90 days to make purchasesI presumed my bill have  surpassed {$3000.00} balance but indeed it was only XXXX but heres the catch ..In good faith, I placed {$3300.00} on the account immediately on XX/XX/XXXX to ensure I met my {$3000.00} objective to get the XXXX bonus points.. I never received an account summary until after the 90 days but I was not worried or expecting one it because I was calling diligently inquiring about why I hadnt received my bonus points because they would appear on my XXXX app with my XXXX membership numberand there is a record with XXXX and Chase credit card section that my calls started after I made my {$3300.00} payment to secure any chances of not having {$3000.00} in the pot for the promotion .. I called diligently a total of six times and Chase always informed me that I would get the XXXX points and call back later it can take up to 12 weeks to get the points ( Chase agents they didnt know why I hadnt received my bonus points and this was the same dialogue after each time I called them spending several minutes looking at my account summary never once suggesting that I needed to make another {$100.00} worth of purchases which I was never aware of until 120 days later when they conveniently found out after-the-fact the reason I didnt get my points when someone could have alerted me the previous times that I anxiously called asking where my points were I called them within the first three weeks of the time I used the card chase and XXXX customer service and also XXXX also informed me this was a Chase matter ( I also had spoke with XXXX and Chase multiple times ) each pointing the finger with no resolutionbut XXXX put an inquiry in with chase I kept calling back to chase for answers theyre Records validate my diligent calling I always inquired about my points i gave Chase an extra 4 weeks since XXXX and chase both advised meit may take up to 12 weeks to get my bonus points Only after the 90 day grace period of the deadline regarding the matter of {$3000.00} needed on purchases did chase tell me I missed the purchases criteria by {$100.00} and my beef is each time It called Chase over the 90 day periodthey spent an average of 10 minutes on my account but never advised me u still have to make another XXXX dollar purchase because all my purchases were done in XX/XX/XXXXand never until the 120 th day mark did Chase advise me this was why I didnt capture the pointsI got this card solely for 4 free nights with XXXX costing me upward of 4000 to date because I continued using the card as a loyal customer we all have oversights, but the fact that I inquired consistently after the purchases and payment of XXXX on XX/XX/XXXX should indicate that in good faith I did my part and was trying to find out what the dilemma was if any about my points but always informed me to keep waiting Help Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX   regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation police report and hacking and they have done nothing to help not even a letter + XXXX  i have years of inccurate reporting on them
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that this is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, XXXX and Experian. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Product: Credit reporting or other personal consumer reports

Subject : CFPB Complaint Regarding XXXX XXXX XXXX XXXX Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a persistent credit reporting issue with XXXX XXXX XXXX XXXX XXXX ( XXXX ) that has significantly impacted my credit standing despite multiple attempts to resolve the matter directly. 

During my regular credit monitoring, I discovered several erroneous late payment notations on my XXXX account. What makes this situation particularly frustrating is that I have been enrolled in XXXX 's automatic payment program, with payments consistently processed on the 1st of each month. I have maintained detailed records, including bank statements and payment confirmation emails from XXXX, all of which verify timely payments during the periods in question. 

On XXXX XXXX, I spoke directly with XXXX representative XXXX XXXX about these inaccurate reports. During our conversation, XXXX XXXX acknowledged that my payments were indeed received on time and explained that the late payment notations were the result of a technical error during their system upgrade. Despite this admission and my multiple follow-up attempts to have this corrected, XXXX has failed to remove these erroneous marks from my credit report. 

The impact of these incorrect late payment reports has been substantial. My credit score has decreased significantly, affecting my ability to secure favorable credit terms. I have diligently attempted to resolve this matter through multiple channels, including : - Direct communication with XXXX representatives - Formal written disputes with the credit union - Credit bureau disputes- Multiple follow-up calls and emails I am seeking your intervention to ensure : 1. The immediate removal of all incorrect late payment notations 2. Updates to all credit bureaus reflecting my actual payment history 3. Written confirmation of these corrections 4. Appropriate measures to prevent similar errors affecting other consumers As a consumer who has maintained responsible payment practices, it is particularly disheartening to have my credit standing damaged by acknowledged technical errors that XXXX refuses to correct. I believe this situation clearly violates the Fair Credit Reporting Act 's requirement for accurate credit reporting and proper dispute investigation. 

I appreciate your attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Product: Mortgage

I am trying to get an old mortgage cancelled of record. XXXX XXXX XXXX   XXXX XXXX XXXX is no longer in business and was merged multiple times. The most current successor in interest is PNC Bank but they do not have a record of this loan. 

The mortgage was for a HELOC in the amount of {$99000.00} made in XXXX. Nothing is owed, but we need to cancel it of record. 

I need to know who is the proper servicing agent with authority to cancel this mortgage. 

XXXX XXXX, XXXX. 
XXXX
Product: Debt collection

I did not authorize consent to nor benefit from any of the following account ( s ). Block and Remove
Product: Student loan

Navient illegally deprived me as student borrowers of opportunities to enroll in more affordable income-driven repayment plans and tried to forced me to pay much more than they should have. I'm totally confused as to why it happened to me and also caused my personal info to show up on the darkweb, be involved in data breaches, and stolen identity. I would like to get this settled and would like to have all loans that involved Navient, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX to be forgiven, repaid or refunded to me, erased, etc... whichever is feasible to consider or appreciate. I would also like XXXX and or the company XXXX, XXXX XXXX to be looked into as they could be part of it.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX.
Product: Mortgage

Property : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease. 

Under both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction. 

I subsequently hired a XXXX, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a " Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired. 

Knowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX XXXX only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a XXXX XXXX dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments. 

XXXX XXXX presented their " Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XXXX for failing to honor PTFA law, XXXX XXXX responded it was " not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX XXXX   name on their ( now dismissed ) eviction lawsuit against me. 

Meanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their PMK testified that is the " Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX XXXX job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX   is just thumbing their nose at the law.
Product: Debt collection

In XX/XX/XXXX I had an account with sprint, I had owed a balance of {$720.00}. In XX/XX/XXXX since I had yet to make a payment, XXXX took the balance I owed from my bank account that I made my payments from in the past. The way that my bank account is set up if I dont have the funds available my bank will cover the charge from an account that I have used before. At the time I did not have the funds in my bank account but my bank still covered it, but 2wks later I then paid that amount to my bank. XXXX had sent me a confirmation that my balance was {$0.00} as of XX/XX/XXXX and even unlocked my device. They then try to claim the payment returned 2months later, when my bank statement shows it never did and also my bank called in my behalf to XXXX multiple times stating that payment never returned and was paid in full.
Product: Money transfer, virtual currency, or money service

Total Amount of Funds Held : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Dispute : A PayPal user, XXXX, voluntarily sent me generous tips totaling {$5700.00} USD as support for my work. These payments were not for goods or servicesthey were purely voluntary. I have clear proof that he willingly sent the money and acknowledged doing so. 

However, he later fraudulently filed chargebacks, falsely claiming the payments were unauthorized. Despite submitting evidence to PayPal proving these transactions were voluntary tips, PayPal has unfairly frozen my funds and left my account in the negative. 

Impact on My Business : -My PayPal account is now negative, blocking my ability to conduct business. 
-I am unable to pay my bills due to this unjustified hold. 
XXXX attempted to resolve the issue directly with XXXX XXXX but he has ignored my requests. 

I have attached screenshots proving : XXXX willingly sent the money as tips He acknowledged the transactions He did not dispute the payments at the time of sending PayPal 's failure to protect sellers from fraudulent chargebacks is unacceptable. I expect urgent action to resolve this issue. 

Ive contacted PayPal reps multiple times to escalate this situation, and I need it resolved ASAP. Please assist me in getting this sorted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I had an alert by my credit monitoring service that Equifax is reporting a new inquiry by a company called XXXX for a bank card on XX/XX/2019. 

I did not apply for a bank card with this company. 

On XX/XX/2019 I attempted to report this inquiry as fraudulent to Equifax through their website. The website informed me that I could not get access through the web to my personal information even though I had set up an online account with Equifax on XX/XX/XXXX to report a fraudulent new credit inquiry on XX/XX/XXXX by XXXX XXXXXXXX XXXX 

I was directed to call XXXX. I called 3 times on XX/XX/XXXX. I could not navigate the phone tree to reach an operator. Each path down the phone tree took me to a recording that instructed me to go though the website that directed me to call the number. 

On XX/XX/XXXX, I called XXXX and was directed by the operator to call XXXX. The operator at XXXX asked me security questions to identify myself. I believe that the correct answers to the security questions were based on fraudulent information as they were asking about credit accounts that I do not have. I could not " correctly '' answer these fraud based questions and so I was informed that I can not proceed to discuss my account. 

On XX/XX/XXXX I put a freeze on my account with XXXX and XXXX. I do not know if my credit is frozen through Equifax. I do know that there is at least one fraudulent credit inquiry on my Equifax report, but there may be 2. I reported the fraudulent XXXX   inquiry as fraudulent but I can not get access to my account in order see how the findings of their investigation into that credit inquiry. 

I fear that the XXXX inquiry resulted in opening an account because I can not even dispute the credit inquiry since I can not prove my identity to Equifax. I believe that my identity information has been used to open accounts that I am not aware of and that that information is being used as " security '' questions when I am trying to access my credit file with Equifax. 

Please help!
Product: Debt collection

R R RESOURCE RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have been dealing with this on my credit for over 2 years, they have had my dispute since XXXX i sent out a certified letter and all the payments i paid for my insurance and the false charges and they still continue to give me the run around. The insurance company advised I had full coverage for a lease vehicle and after 3 years of paying i got into an accident and they went back to XXXX and charged me unauthorized. I just would like this XXXX collections off my credit for good! I do not owe auto insurance and the state of NY your insurance laps you can no owe. This insurance agency is fraud and the collections agency will not help.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax, Experian, and TransUnion, along with the following data furnishers, for their continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Despite multiple disputes and supporting documentation, the credit bureaus have failed to lawfully investigate and correct these inaccuracies. Instead, I have received stall letters that do not address the substance of my disputes, violating my consumer rights under federal law.

The following statutes have been repeatedly violated : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the reporting of information that is known to be inaccurate. These furnishers have reported false and unverifiable data in direct violation of this law.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requires a proper reinvestigation of disputed information. The bureaus have instead issued generic responses without conducting a legitimate investigation.

15 U.S. Code 1692g ( a ) Requires that debt collectors provide validation of a debt within five days of an initial communication. These furnishers have failed to comply with this requirement.

15 U.S. Code 1692c Prohibits unauthorized third-party communication. I have not provided consent for certain debt collectors to contact me, making their communications illegal.

15 U.S. Code 1692d ( 2 ) Prohibits misleading or abusive collection practices. Some of these furnishers have misrepresented charge-offs as outstanding debts, which is an unlawful misclassification.

Additionally, charge-off accounts have been misrepresented. The IRS classifies charge-offs as gross or ordinary income, meaning they can not be pursued as an outstanding debt. IRS 2021 guidelines state that lenders must file Form 1099-C for canceled debt over {$600.00}. These accounts were charged off and reported as income, yet they continue to be listed as active collections, which is an intentional misrepresentation of financial records.

Under the FCRA, the credit bureaus are required to : Conduct a proper independent reinvestigation of disputed accounts. Provide evidence that the accounts have been verified through original documentation ( i.e., a contract with my wet-ink signature ). Remove or correct inaccurate, incomplete, or unverifiable data within 30 days ( per 15 U.S. Code 1681i ( a ) ).

Since the credit bureaus and furnishers have failed to comply, I am requesting CFPB intervention to enforce compliance and hold them accountable for their violations.