23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for an American Express Delta Skymiles Credit Card in XXXX 2016. I have screenshots from XXXX and the application showing that the offer was for XXXX miles however I am being told it was only for XXXX miles. I have clear evidence showing that the website said XXXX miles. I complained to Amex and it took 5 weeks for them to say they would not credit me the extra XXXX miles as promised. They claim the offer said XXXX and that is that. They consider the matter closed, however I believe there is malpractice here in advertising because the website clearly shows XXXX miles when you spend first {$1000.00}. Even when I showed them evidence of this they said no. They claim my offer said XXXX miles but the screenshot shows I was logged in under my skymiles profile and it clearly says my name in the web page and an offer of XXXX miles. I tried to reach out to their executive office to no avail. I am very dissatisfied with the level of service and misleading credit card application. I feel like I have been deceived and that I was tricked into opening a credit card and am not receiving the full benefits promised on XXXX. I complained to the XXXX and American Express now says they will no longer respond to my complaint since the " issue is resolved '' however it is not resolved at all. Screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XX/XX/XXXX and Equifax to remove these accounts but they have to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage ( now doing business as Mr. Cooper ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. Nationstar Mortgage modified the mortgage in XX/XX/XXXX and I made all mortgage payments to Nationstar, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

Nationstar sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called Nationstar several times and told the representatives that I made my payments to XXXX. I later learned that Nationstar messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called Nationstar on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, Nationstar sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called Nationstar on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting Nationstar Mortgage to make corrections, and report me as paying on-time for XX/XX/XXXX-XX/XX/XXXX, with no late payments.
Product: Mortgage

I have a mortgage with Midland Mortgage and I have two offers. I have sent that info to Midland Mortgage. And yet I have not received anything. I also have a complaint about the XXXX that Hud sent Midland Mortgage to apply to my loan that was NEVER applied..I have not received anything about that. It has. I have been told that insurance is being paid twice a year and taxes are paid more than once a year. I seriously do not understand these charges that I am not aware off. And when asked I get no answers. I need a print out of the interest that has accured and also the insurance payments and the tax payments. I have yet to receive anything and when I call no one has a clue I am talking to the wrong dept. This mortgage company has alot of explaining I believe these are bogus charges. My insurance has NEVER changed. Paid once a yr and the insurance is less than XXXX a yr and also the taxes is less than XXXX a yr. They are saying they paid $ XXXX in insurance and taxes. Show me! Why is it taking Midland Mortgage so long to send me the proof and info. This Mortgage company is a scam and a fraud. I need answers. I am trying to sell the house to get away from this Mortgage company and it's scam..the government needs to looks into this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts that have been reported on my credit report. Upon reviewing a recent copy of my credit report, I discovered accounts that are not familiar to me and appear to be the result of identity theft or fraudulent activity. These incorrect accounts are negatively impacting my ability to obtain credit and are tarnishing my credit history
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate. Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( XXXX ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information and the information has been modified or deleted from the file of the consumer. Please removed the following item from my credit report, immediately INQUIRY XXXXXXXX XXXX ( XXXX XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Santander consumer USA # XXXX XXXX. XXXXXXXX XXXX. XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX consumer reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but XXXX XXXX XXXX and XXXX are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USX 1681i ( 7 ) Responsibilities of Furnishers 15 USC 1681s-2 Affirm ( {$360.00} C/OFF ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I was affected by XXXX Security Breach and my information was compromised. This is not a credit transaction initiated by me. Additionally, I will be filing federal complaints against Affirm for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Affirm failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for Affirm to provide verifiable proof of this debt and clarification of how this alleged charge-off was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Affirm a fair opportunity to clear this up, however I am still being harassed. I request that the ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Product: Student loan

I requested a loan consolidation around XX/XX/XXXX. My primary loan is with XXXX ( but somehow managed by Navient ), where I have XXXX different loans more or less {$10000.00} each from my XXXX degree completed XX/XX/XXXX. After that I got about {$30000.00} split in XXXX loans from XXXX. 


When I filed to request the consolidation, I chose Navient. After I receive my consolidation letter I noticed that the XXXX loans from XXXX were not included. I have been calling in multiple occasions to have this situation fixed as soon as possible. Eight months later, my loan balance is still not right. 


I had to call Navient, XXXX, and the Department of Education countless times, without being able to receive any kind of help. All the answers that I get from Navient are that they will submit my paperwork to a supervisor but nothing happens. Please advise.
Product: Mortgage

I submitted my normal mortgage payment to US Bank, and discovered that they are now charging a {$5.00} fee ( NOT a late fee ) if you pay online after the XXXX, but before the late date of the XXXX. I usually pay before the XXXX so never noticed it, but this was on the XXXX or so. I wrote and asked them why there was a fee. I received a message back that this started after XXXX possibly, was NOT a late fee, and would be charged to online payments if you do not pay on or before the XXXX of the month. This seems very strange to me and punitive. I always pay extra on my loan and am now donating {$5.00} of that to US Bank for no reason, which is unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following reported information on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized Checking and Savings Accounts : XXXX XXXX XXXX, {$990.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The following Inquiries Viewed By Others are all fraudulent and unauthorized : XXXX XXXX XXXX, XXXX  XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XX/XX/2020, XXXX XXXX  XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, The following Inquiries Viewed Only By You are fraudulent and unauthorized : XXXX   XXXX  XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX  XXXX XXXX, XX/XX/2020
Product: Vehicle loan or lease

My vehicle was totaled on XXXX/XXXX/XXXX  and my insurance ( XXXX ) paid it off in full. Prior to the vehicle payoff I requested to remove the XXXX insurance and Warranty coverage, which was approved and resulted in a refund in the amountof {$380.00}. United Auto Credit sent a bad refund check. I did a mobile deposit into my account, and the check was rejected. I went into the branch to deposit the check and my financial institution advised they needed verification because the check the company sent was from a closed account. The check was place on a hold for XXXX  days, pending verification. United Auto Credit knowingly wrote a check from a closed account which is fraud, and should be subject to penalties. This is definitely an illegal and unethical practice. I called my back back today XX/XX/year> and they was able processed a smaller amount that went through, but not the {$380.00}. The company is committing fraudulent practices opening and closingaccounts to get outof paying. The company has hundreds of complaints and they remain in business. United Auto Credit should be fined by their state attorney general and financial oversight institution for writing a bad check l.
Product: Vehicle loan or lease

I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted registered securities that were suppose to settle the accounts with the following account numbers # XXXX, XXXX, XXXX, XXXX. They were sent out on via XXXX via Registered Mail with the tracking # XXXX. They did not settle the account, nor did they send me the Securities back as per UCC 3-603. Bank of America is committing Securities Fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market which is Illegal because in their XXXX and XXXX XXXX Bank of America stated it would not. As a bona fide purchaser I exchanged value for property without any reason to suspect irregularities in the transaction. By definition, a bona fide purchaser can not have actual or constructive notice as to defects in the seller 's right to transfer title to the property. However based on the UCC lien filings that Bank of America has in Delaware the debt was never belonged to me and Bank of America is actually the debtor and XXXX XXXX XXXX XXXX is the secured party. Bank of America and XXXX XXXX XXXX XXXX are the seller/buyer based on the UCC filing and I am not part of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXXt, account number # XXXX. Also, the debt amount owed by XXXX XXXX XXXXXXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

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

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

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


Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I reported this fraud issue with this board previously. Bank OF America continues to engage in its unfair business practices by now informing me of a secondary edd account opened in my name in a different state. I have not filed or opened any other account and Bank Of America is responsible for this as they allowed a privacy and data breach by which XXXX ca has furnished my private info in lue of their contract providing the services of he prepaid debit card for which Bank Of America has elected not to stand by the policies and account agreement furnished to said customers. Bank of America has managed to intentionally provide me with false data, withheld information about my account from me then sets me up for more damages as its agents told me i would see my funds on last friday only to being sent through their processes of what they call verification. The fact thatXXXX  and bank of america engaged in contract contract law does not support nor state that its lawful to cause damages to any third party nor does it release them from the liability. XXXX and BofA have their own indifferences but why should i suffer based upon their breach. I am suffering daily as they make fraudulent excuses for their own monetary personal gains. this constitutes trebile damages.
Product: Debt collection

Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report
Product: Bank account or service

Back in 2006 I opened an IRRA account through Bank of America and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Bank of America. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized. 

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.
Product: Debt collection

Portfolio Recovery Associates attempting to collect a XXXX XXXX credit card debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

-- letters have been sent certified mail and return receipts have been received by me.

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX