23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. 
How can their systems not be linked to verify their direct mail campaign against my account
Product: Mortgage

Ocwen is sending out default letters and Demand letters on my loan that is in, " Good Standing, '' as I am not 90 days past due on my MHA HAMP Modification agreement. Violating Federal Bankruptcy laws by sending me frivilous demand and default letter. Blocking me, a XXXX person, from receiving government financial assistance from the XXXX XXXX 's Financial Crisis Assistance program. I am XXXX. I suffer from XXXX, XXXX XXXX XXXX, XXXX, XXXX and a myriad of other issues. Ocwen is pushing my XXXX through the roof because of their unwillingness to adhere to my modification, blocking financial assistance which breaks laws under ADA. I am too XXXX and too tired to go into much detail. I will attach a letter I sent to Ocwen today and that I 'm sending to the Florida Attorney General 's Office. I 'll just make some quick points because I ca n't focus for long and trying to write letters give me anxiety attacks to try and concentrate. So, here are some quick bullet points. OK, thank you Excessive fees for property inspections and evaluations, etc. failing to respond to my many inquiries sending false default demand letters when my HAMP Mod is still in Good Standing as I am no 90 days past due. They are trying to trick me out of my modification. Breaking ADA laws Breaking Federal Bankrupcy Laws on a loan that was discharged in chapter XXXX bankruptcy XX/XX/2008 and NOT REAFFIRMED
Product: Credit card or prepaid card

XX/XX/XXXX I made a payment to Synchrony bank for my TJ Maxx card over the phone {$32.00} then noticed my bank made a payment for {$35.00} forgetting payment set up through my bank. I tried canceling it through my bank couldnt do it. So called Synchrony bank and ask for the money back. They said you have to wait to a post to the count, OK can you leave note ask for the money back. XX/XX/2023 your {$32.00} post on account with the {$50.00} from the bank is there it is having Post I said do you know how hard it is to keep calling you guys getting a run around getting people dont know what theyre talking about XXXX, customer service, and if I dont call back, youll have a credit on account which I dont want to keep calling back its aggravating I called back the second time and got to run around. Nobody knows nothing. All of them are managers are supervisors and nobody can give me the operator number, this was not posted when I open the account they know how to accept money and but dont know how to give it back especially when the count is paid off
Product: Debt collection

I was promised an apartment at XXXX at XXXX in XXXX, Arizona, in XXXX by rental agent XXXX XXXX She pretended to befriended, told me her life story, showed me her new car and videos of her ex on social media during our visits. She promised me and my child the unit, even allowing me view it unattended and promised to send me measurments for barstools in email conversations. When they got my money to secure the rental, they denied the application out of nowhere and refused to refund any of my money. The manager told me I am supposed to be legally refunded and she needed a certain amount of days, and they refused to return my money even after I called and spoke with the manager and their Corporate office. I gave up my lease because XXXX promised me this unit, knowing my child and I were in danger where we lived. Corporate refused to return my calls until I started making public complaints and agencies started contacting them. I made an Attorney General complaint and a XXXX complaint and spoke with their rental office with no movement. Finally, I got the refund from my bank, and they sent out a check that I have in my possession for {$200.00} of the {$250.00} owed to me after sending me a statment with the apartment number for MOVE OUT fees. Since the bank refunded me, I paid it no attention and kept it just in case. Months later, I get rude and harassing calls from IQ Data. We had several heated arguments because they wouldn't let me talk ; they kept yelling in the phone, hanging up on me, and eventually I cursed them all out and told them I called a lawyer. I asked for proof of the debt to be sent to me in the mail, and the zesty and sassy manager flat out said, " No. Write in a request for it. '' I asked for the number to corpoate and an adress, and about 8 agents refused, only giving the number to the same office I called, different toll free numbers. These people at XXXX illegally sent me to collection to harm me out of retailiation for reviews and reporting them to the states Attorney General and XXXX This should be illegal, and I want it investigated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the inaccurate and misleading reporting practices by [ Creditors Name, e.g., XXXX XXXX XXXX ] concerning an auto loan that has been marked as a Charge-Off and categorized as a Profit and Loss Write-Off while still showing an outstanding balance of {$17000.00}. This reporting has significantly impacted my credit score and creates confusion regarding the actual status of the debt. Multiple federal laws appear to have been violated in this process.

1. Inaccurate and Misleading Reporting FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to credit bureaus. In this case : The account is reported as both a Profit and Loss Write-Off and as having an active balance, creating a misleading representation of the account status. 

FCRA Section 605 ( a ) limits the reporting of charge-offs to 7 years from the original delinquency date. Any attempt to " re-age '' the debt to extend its negative impact violates this provision.

2. Failure to Issue 1099-C IRS Violation Under IRS Regulation 6050P, a lender is required to issue a 1099-C ( Cancellation of Debt ) when {$600.00} or more has been canceled or forgiven. The reporting of a Profit and Loss Write-Off suggests the creditor has considered the debt as canceled for tax purposes, yet no 1099-C has been issued. This creates ambiguity over the debt 's legal status and violates IRS reporting requirements.

3. False or Misleading Collection Practices FDCPA Violation If the lender continues to pursue collection after marking the debt as a Profit and Loss Write-Off, this could violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in the collection of debts. Reporting the debt as " written off '' while still treating it as active for collection purposes is inherently deceptive.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) CFPB Standards The conflicting reporting of the account status constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB guidelines. This inaccurate information negatively impacts my credit profile and misleads potential lenders regarding my creditworthiness.

5. Failure to Investigate and Correct Disputed Information FCRA Section 611 Upon identifying the discrepancies, I requested clarification regarding the charge-off status and whether a 1099-C had been filed. The creditor failed to provide adequate documentation or correct the misleading information. Under FCRA Section 611 ( 15 U.S.C. 1681i ), creditors and credit bureaus are required to conduct a reasonable investigation into disputes and correct any inaccuracies.

-- - Requested Resolution : Immediate correction of the credit report to accurately reflect the account status.

Issuance of a 1099-C if the debt has been officially canceled.

Removal of the misleading Profit and Loss Write-Off if the debt remains active and collectible. 

Full compliance with FCRA, FDCPA, IRS regulations, and CFPB standards.
Product: Checking or savings account

I am asking that Bank OF America clear any banking history using my name! I went in the branch to open an account and they said there were accounts opened in my name previously, so i wasn't able to open an account. I dont owe any debt or anything to BOA, I am a good/responsible customer with good credit, good banking history, and a credit score of XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft/nsf fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submission of complaint : CashNetUSA CFPB, 1. I had a 2-year Flex Loan with CashNetUSA. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX XXXX or XXXX With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted CashNetUSA multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through CashNetUSA. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, CashNetUSA is still NOT listed on my personal credit reports. 

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.
Product: Checking or savings account

Identity theft. In XX/XX/2020, I received multiple letters from JP Morgan Chase Bank that accounts had been attempted to be opened ( fraudulently ) in my name but it was declined due to inability to verify identity ( correctly ). I called the Bank and informed them that yes indeed, I did not attempt to open any such account. Several weeks later I received two letters from JP Morgan Chase Bank that two accounts had been opened ( fraudulently ) in my name with my address, each funded with {$160.00} and very shortly overdrawn by {$120.00} and {$180.00}. I called again and was transferred to numerous departments and was given numerous explanations but no real help and no willingness to close the accounts. I did give them a great deal of information with promises to investigate but to no avail. I opened up account with identitytheft.gov, notified credit companies, and sent them letters. 
The accounts at JP Morgan Chase Bank are XXXX and XXXX. Why would they open accounts without verification and then allow over drafting within 4 days?
Product: Mortgage

In XXXX oXXXX XXXX, I complained to your bureau because AmeriSave was taking so long to process a refi. Your file for the complaint is XXXX. It's now late XXXX and AmeriSave has yet to complete the loan and every few days, after being told the loan file is complete and has been sent to underwriting, I get yet another email demanding updated info that I supplied to them again and again, with no end in sight. Included in those emails are demands for information that do not even correspond with the type of business I operate, suggesting that whoever is in charge does not know what they are doing. They delay and delay, and then tell me they can not process the loan without yet another round of P & L 's and bank statements. I would recommend this company only to someone I hate.
Product: Credit card or prepaid card

On XX/XX/2019 I sent a dispute letter to the CRA disputing factual error on my credit report of which it came back verified by comenity bank / XXXX, how can this be???? how can they respond to a dispute without documentation???? The FCRA requires to be 100 % accurate to report an account so how can they be accurate with no documents to check for disputed errors. I called them and one of their employee XXXX employee # XXXX say that the account is no longer with them they also send me a letter saying the same of which I will attach as well. I demand that this account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, Equifax, XXXX, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS SENT EH FTC XXXX  : XXXX AND XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

My Pnc account is not connecting to my XXXX  credit application. This restricts me from submitting my application for a future purchase.
Product: Credit reporting or other personal consumer reports

According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history new credit. These shall be excluded on consumer reports. 


You will also need to show original agreement with signed wet ink signature Since you can not furnish this information please discharge/delete this negatively impacting report items. The inquiries and bankruptcy that are illegally being reported on my credit reports. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The rights to have inaccurate information corrected promptly. ( Section 611 ( aX1XA ) ) The rights to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of results of the investigation ( Section611 ( aX5 ) )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX Partial acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for {$9000.00} does not belong to me. Debt was sold from XXXX XXXX to XXXX XXXX XXXX and does not belong to me. Please remove from XXXX and Transunion Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with Equifax and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Product: Mortgage

I had requested to Bank of America that I wanted to place my home up for short sale 2015. I fax documents to the for approval that have been giving me the broaden around. I am working with a real estate company for a buyer, BOA shut that down. From 2015 to current I have been sending BOA my leave and earning statement and bank statement but I can not do a short sale. I am really frustrated, please help.