23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SLS took over as loan servicing for our HELOC in XX/XX/XXXX.  This is our second complaint with them.  To date, they have not resolved this situation and in fact the situation has gotten even worse.  After going through all payments, I discovered that the account number was off by one.  I forwarded the information to them, as they have accepted payment anyway, corrected the account number on our bill pay service and have been submitting payments under the corrected account number.  They have since refunded all monies submitted under that number.  I also sent all documentation into the company per the previous complaint and they have taken no action or been in communication since their initial response letting me know that hey had received my correspondence.
I request that this gets handled immediate, that all funds that I have paid to them be credited to my account and all future payments be credited immediately to my account.  I also expect that nothing will be reported derogatorily to the credit agencies regarding this matter.

Here is a copy of the latest e-mail that I have sent to them, without any resolution to this matter that was sent to them on XX/XX/XXXX

Cc: XXXX XXXX 
Content-Type: multipart/mixed; boundary="XXXX"

--XXXX 
Content-Type: multipart/alternative; boundary="XXXX"

--XXXX
Content-Type: text/plain; charset="XXXX"; format=flowed; delsp=yes

Good Afternoon,

Please see the attached summary of this account and the bank statements for
proof of payment for the above referenced loan. I have outlined each
payment on each statement for your reference.  As you can see, there has
been 2 payments, one for the regular payment due on this account and one
towards principal only, each month since SLS has taken over the servicing
of this account in XX/XX/XXXX

In researching these payments to resolve this discrepancy between your
records and mine, I have found a possible error in the payments to SLS.  It
is possible that payments have been submitted by our bank bill pay system
to an incorrect SLS account number: XXXX. The correct account number
is XXXX.

In my experience with SLS, this problem could have easily been solved in
XX/XX/XXXX has customer service representatives been better informed with
the facts at hand.

I have cc'd my attorney, XXXX XXXX XXXX, on this correspondence.  It is
with my permission that you are able to speak with him with this matter
should the need arise.

I look forward to the payments I have made to SLS being correctly credited
to my account immediately and to the hasty resolution of this matter.

Thank you

XXXX XXXX
(XXXX) XXXX

--XXXX--
Product: Mortgage

I had a motification loan that i was doing to lower my payment that the company in question kept making mistakes on causing my loan to be reported late. They kept telling me that they were taking care of it only to have nothing done and late pays continually showing up on my report. I own a car dealership and because of the problems caused by this company to my credit they reduced the amount of cars that i could offer at my dealership which essentially has forced me to close my doors. I have tried to resolve this issue with the company many times but nothing has happened. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a dispute letter to Experian challenging 4 items on my credit report, requesting proof. 

( for check of and PROOF of lawful COMPLIANCE to every and all reporting regula-tions, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and ir-refutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. ) According to the tracking information ( Tracking Number:XXXX ) Experian received my dispute results on XX/XX/XXXX. On XX/XX/XXXX I received a response from Experian declining to my request for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is now XX/XX/XXXX and they have yet to abide by my request in which they are legally entitled to according to the FCRA.
Product: Debt collection

Received another letter from SIMM Associates, Inc dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my XXXX account. I do NOT have a XXXX account. I have received previous letters in XXXX and contacted XXXX to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.
Product: Credit card

To Whom it May Concern, This is a letter containing two complaints/issues I need addressed as the bank has made multiple errors affecting my credit and welcome offers in just the few weeks since I signed up. 

I applied for a Marriott Bonvoy Boundless Card on XX/XX/year> through the Marriott Bonvoy app on my phone. I have only had the card for a few weeks and JP Morgan has defrauded me twice already. I will detail the two instances of this below : 1. Incorrect Welcome Offer Applied to my Account When I signed up for this credit card on ( add date ), the offer I signed up for was a {$300.00} Marriott E-Gift Card and XXXX bonus points after {$3000.00} spend within the first 3 months. The offer that was applied to my account was for a {$250.00} XXXX XXXX and XXXX bonus points after {$3000.00} of spend within the first 3 months. I have called customer service multiple times on this and they have been mostly rude and short with me. They said my account is not eligible for that offer however I know it was because that is the offer I clicked on when I applied for the card and that upgraded offer is the reason I applied. I am telling you what was offered to me when I signed up. I have a picture of it that I have enclosed on the next page. I would not be able to get that picture taken on my own XXXX if it was not offered. This offer was active exactly when I applied for the card on my Marriott Bonvoy app by clicking the link.

2. An unauthorized credit pull I signed up for the Marriott Bonvoy Boundless credit card in my name one time. Somehow JP Morgan processed two applications and pulled my hard credit twice. That is a mistake. I NEED THE SECOND PULL ERASED FROM MY CREDIT REPORT. You can only have the same credit card once so any further pulls on my credit for the exact same card application would have been unauthorized by me. I am not sure how or why this happened. It could have been a system glitch or any number of reasons but the fact of the matter is the intent and outcome is that I have one Marriott Bonvoy Boundless card that was accepted after one hard credit pull on one application. Any further pulls need to be removed from my credit report and this needs to be initiated from your end as a mistaken or unauthorized credit pull.

I have called in about this multiple times to no avail. The representatives are unwilling to help, and I have received extremely poor customer service on this issue. 

I am also requesting an additional XXXX Marriott Bonvoy points as a courtesy for all the issues JPMorgan Chase has caused in just the first few weeks since receiving my XXXX card. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX  XXXX OXXXX XXXX PXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant and wont allow my personal info to continue to be reported incorrectly. It is actively causing issues and effecting my life. I insist you fix and update my info as soon as possible or I will be forced to take legal matters moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Consumer Relations XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Consumer Relations Teams, I am writing to highlight the importance of the Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy and completeness of consumer information reported by your agencies. 

As you are aware, Section 611 of the FCRA empowers consumers to dispute inaccuracies in their credit reports. This section is crucial for maintaining transparency and ensuring that the information provided by credit reporting agencies is as accurate as possible.

To emphasize the significance of accurate reporting, I would like to bring to your attention the following account caps that must be correctly reflected in consumer credit reports : Accounts : XXXX XXXX XXXX XXXX : {$49000.00} XXXX : {$1400.00} XXXX XXXX : {$420.00} XXXX XXXXXXXX : {$1400.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} The accuracy of this information is essential, as it can significantly impact consumers ' creditworthiness and their ability to secure loans, housing, and employment opportunities. Therefore, it is imperative that your agencies prioritize compliance with the FCRAs requirements and ensure that the information reported is accurate and complete. 

I appreciate your attention to this important matter and look forward to your commitment to upholding the integrity of consumer reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

Prosper credit card was set on autopay since I opened the account for the minimum payment due, which for the full balance was around {$50.00} per day. I have had this card for a year. In XX/XX/2025 they withdrew by autopay {$240.00}. I immediately placed a stop payment on my bank, because I thought it was a fraudulent transaction. When I call Prosper, they said the charges were due to an annual fee of {$39.00} and a transaction for a nanny in XXXX- I live in New York. When I questioned why was this charge authorized ( XXXX my account was up tp the limit ) They said that I had available credit. Therefor why did they withdraw {$240.00} from account instead of the agreed minimum of {$50.00}? 

I went ahead and pay {$120.00} including the yearly membership they were claiming and the minimum amount due and filed for a fraudulent transaction on the company from XXXX. 

But more over, on XX/XX/2025 they remove my autopay - two days before my payment was due without my authorization or knowledge. Prosper Credit card is intentionally targeting me to making me fall behind my payments. I have been an excellent customer and have never pay late. I have been racially profiled and targeted by this company.
Product: Credit reporting or other personal consumer reports

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

This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( M & T Bank loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to XXXX three times. On the third time, they sent the complaint to M & T Bank. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from XXXX  and a letter from M & T bank proving that I paid the loan off in XXXX XXXX. The loan originated in XXXX XXXX, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with M & T Bank. The person I spoke to told me the loan was not  properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX  Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX  14 times showing that my credit is perfect and 14 times USAA states to XXXX  that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX  today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired XXXX XXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact XXXX  and clear this matter at one.
Product: Debt collection

I moved in 2015, then I was automatically placed in collections, which I paid. I was never notified of the ability to dispute the debt and never given an opportunity to have the debt validated by the company. Now it is a paid collection account impacting my credit adversely. I have tried to dispute the debt, and haven't received any response from the company.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they
are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, 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 item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Checking or savings account

Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires resentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific concrete F. C.U. v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( XXXX ), XXXX XXXX XXXX XXXX XXXX ). Fooks v. Norwich Housing Authority 28 Conn. L. Rote. 371, ( XXXX XXXX, XXXX ), and town of Brookfield v. Candle wood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. i ( XXXX ). And Solon v. Godhole, 163 III. App. 3d 845, 114 III. Dec. 890, 516 N. E. 2d 1045 ( 3 Dist. XXXX ). UCC 9-201- Request for accounting. F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.
Product: Credit card or prepaid card

i opened a American Expess ascend ( now XXXX  ) XXXX credit card. The terms and conditions is I will receive XXXX sign up XXXX points once the threshold spent are met ( XXXX $ / in 3 months ). I met the threshold spent on XX/XX/XXXX ( opened the card on XXXX, XXXX ). According to XXXX XXXX XXXX  of the account, XXXX Honors bonus points, will be credited to my XXXX account 8-12 weeks after the threshold amount has been reached. Today XXXX, spoke to Amex representatives XXXX, XXXX ( supervisor ) and XXXX ( XXXX 's supervisor ) and they told me will not get my points until 92 days after XX/XX/XXXX in which they can not explained why the date different from XX/XX/XXXX. I have tried 6 different times to resolves this by telephone and chats but the Amex 's representatives all ( except one ) gave me the same mistaken answers without researching further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a dispute letter because there was an account reinserted to my profile with no notice. This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX account XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this account is reporting the incorrect open date which is a violation of the FCRA. This is inaccurately and misleading information reporting and must be deleted from my profile
Product: Credit card

I applied under a XXXX bonus for the Mileage Plus Chase Visa Card. Within an hour I received an email offer from XXXX about a XXXX bonus ( email attached ) for the same card. I emailed XXXX ( email attached ) and they said they could n't do anything that I had to contact Chase. I called Chase and the agent told me that I could get the XXXX bonus by cancelling the card with the XXXX bonus and reapplying under the XXXX bonus. ( Unfortunately, this was a phone call with no documentation. ) I did what the rep said which held up the XXXX bonus card for two weeks while they cancelled the XXXX card and issued the XXXX. When it came time for the bonus, I only receive XXXX miles. After writing XXXX emails and speaking to XXXX reps, despite the fact that I forwarded a copy of the XXXX bonus email and the XXXX XXXX email, Chase will only give me the XXXX bonus. If the original agent had told me she could n't do anything, I would have been unhappy but I would have understood. I also would not have had to wait for the credit card or have had my credit rating affected because I applied for and canceled a card within a small window. Instead I did what the Chase representative told me to do and was greatly inconvenienced. Unfortunately, crediting less than the bonus offer is a common Chase practice which I found out by searching on line after my unhappy experience.