23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act XXXX  FCRA ), the Fair and Accurate Transactions Act XXXX FACTA ) and the Fair Debt Collection Practices Act XXXX  FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot XXXX XXXX legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SYNCB/LOWES XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Credit card

In early 2024, my wife and I each opened separate Chase Marriott XXXX credit cards that included a promotion, including free nights at a Marriott hotel, after charging a specific amount of money within the first 3 months. My wife and I each charged the specified amount within the 3-month window, and Chase concedes that we each earned the free nights on our respective accounts. 

Soon after qualifying for the promotion, my Marriott XXXX account reflected XXXX-free nights ; however, my wife 's Bonvoy account never received the free nights she had earned. 

After speaking with Chase and Marriott customer service representatives several times over the past year, we are still missing multiple free nights. 

According to Chase, the free nights and points my wife earned erroneously populated in my Marriott account, and the points and promotions I had earned with my card were missing. After discovering the error, Chase moved all the points on my Marriott account to my wife 's Marriott account. My account still missed the points and free nights I earned with my credit card. 

After another call, we discovered that my Chase card never linked with my Marriott account due to a misspelling of my last name on my credit card. A senior representative explained that once I officially corrected the misspelling, the accounts should correct themselves, and my missing hotel nights should appear on my account. I corrected the misspelling, but only the point populated on my account. I was still missing the free nights. 

We have contacted Chase many more times in an attempt to solve this issue. Each time Chase sends a post-investigation letter explaining that I received my free nights, that the points were posted on my Marriott account, and used. 

My complaint is as follows : 1. I find it troubling that credit card points and promotions from my wife 's credit card were erroneously reflected on my account in the first place. There is no explanation as to how or why this occurred. 

2. According to Chase, the XXXX free nights originally posted on my Marriott account belonged to my wife, and my free nights were never received by my wife or myself. Chase continued to tell me that I did receive my free nights as they were on my Marriott account while also telling me that the free nights on my account were earned with my wife 's Chase credit card and erroneously populated in my account. 

So, according to Chase, when my wife earned her free hotel nights, those nights were wrongfully reflected on my Marriott account. The free nights I earned with my credit card were never received. Chase is refusing to provide me with the free nights I earned through credit card purchases in accordance with their credit card promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open a different dispute with XXXX for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXX XXXX  has acknowledged that they sold my debt and that all payments should be made to Client Services. Client Services offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. Synchrony Bank has to honor that. XXXX, Trans Union and XXXX is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> somebody made a hard credit inquiry for a XXXX  XXXX credit card on my name, I've never applied for a credit card so I called experian and XXXX and they both told me I need to file a report with ftc or police to do anything about it, I called XXXX XXXX on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called XXXX XXXX again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Newrez, mortgage servicer, has changed the LTV criteria for removing PMI from my loan several times. I requested the criteria for removing PMI from my loan in XX/XX/XXXX. Newrez stated for mortgages where the owner has made significant improvements, the LTV criteria for removing PMI would be 80 % or less. I sent correspondence to Newrez substantiating my more than {$210000.00} worth of improvements and the fee for the XXXX. XXXX came back in XXXX that resulted in my LTV being 76.5 %. However, Newrez stated my LTV for a Fannie Mae loan had to be 70 %. I appealed the decision because this was not in line with the HPA, XXXX XXXX servicing guidelines, or the criteria they gave me in XXXX. I called customer service on XX/XX/XXXX for a status update and the customer services representative stated I was denied because in order to remove the PMI the LTV had to be 75 %.
Product: Credit reporting or other personal consumer reports

I report this negative item and request to the company the accuracy of this account that is on my credit report and I have not received any information but they still show on my credit report. I disputed the accuracy of some of the info to the credit bureaus that are not correct such as my address that are under some of the unrecognized items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Sent letters to XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called and spoke to XXXX on XX/XX/XXXX about the late payments in the past and asked for a goodwill adjustment for the late payments. 

Never got a letter from the Credit Union.
Product: Money transfer, virtual currency, or money service

After depositing {$10.00} into my Skrill account, I am unable to withdraw it. To help you better understand what kind of trick they use to prevent you from withdrawing your money, they simply set a withdrawal limit below what you deposited and a maximum amount above what you have, making it impossible to withdraw. Although I have verified my identity on the account using the required documents and been approved by the Skrill team, as well as sent an email complaining about what happened, the situation remains the same. I hope for a solution to this problem that has been going on for weeks. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to Experian on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, Experian results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.
Product: Mortgage

Quicken Loans / Rocket Mortgage Loan Number : XXXX are braking the federal law! Per Cares Act Page H.R. 748-210 ( act ( 50 U.S.C. 1601 et seq ) it is required for Quicken Loans and or my Mortgage Servicer Genny May to report to all three of my credit beauros as " CURRENT '' as per my personal conversation with XXXX XXXX Pier Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I am being told that even tho as the factually recorded line of credit states current status and always has been current prior to my entrees in to forbearance it will show and further be reported as " suppressed " means " nothing "! Cares act also states that this line of credit will not hard my credit history in any way! FACT! my LTV on all of my accounts will stay the same so if in fact this particular line of credit will show anything other then what is written BY USA FEDERAL LAW i will consider this action as A BRAKE IN THE LAW BY QUICKEN LOANS! EVERYTHING ON MY END HAS PROOF AND IS RECORDER! AS WELL AS QUICKEN LOANS ON THEIR WEB SITE DO NOT AND I REPEAT DO NOT GIVE A FORMAL OPTION TO PUBLIC TO OBTAIN 180 DAYS OF FORBARANCE AT FIRST INNITUAL REQEST BY CUSTOMERS! I WANT THIS INCIDENT PUBLISHED ON consumerfinance.gov so that others can learn from my experience! i AM IN SEARCH OF BEST PERSONAL ATTERNEY TO HANDLE THIS CASE AND WILL AWAIT FOR ONE / FIRST ONE MARK ON MY CREDIT BY QUICKEN LOANS OTHER THEN CURRENT! I WANT YOU CFPB TO CONTACT THEM AND LET THEM BE AWEAR OF BRAKING THE LAW! AND MAKE SURE THAT THEY ARE NOT BRAKING THE FEDERAL LAW ON MY PERSONAL RECORD! THIS FOLLOW UP HAS CAUSED ME ALOT OF STRESS AND MENTAL AS WELL AS PHISICAL PAIN AND SUFFERING IN THIS DIFFICULT TIME OF EPEDEMIC WHICH SHOULD BE A SIMPLE TASK TO FOLLOW THE FEDERAL CARES ACT LAW! PLEASE LOOWUP WITH ME MY CELL PHONE OR EMAIL!
Product: Debt collection

In reference to complaint XXXX ; DCI contents an initial balance letter was mailed. 

THIS IS A REQUEST FOR THAT INITIAL LETTER. 

THIS IS NOT A DUPLICATE. 

THE INITIAL LETTER HAS NOT BEEN SENT IN ANY RESPONSE. 

SEND INITIAL BALANCE LETTER AS INDICATED ON COMPLAINT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewd my credit report and I noticed inquiries on my report that I did not authorize and will like to have these romoved!
Product: Money transfer, virtual currency, or money service

How can a wire go through with an incorrect beneficiary name and address? 
The address used is a Bank of America address- why didn't this throw up red flags?

How was a wire to a Bank of America account rejected to my wife when I misspelled her name, but allowed to go through with a wrong beneficiary name AND address?

How is this criminal client of yours still allowed to operate these accounts? The ones mentioned previously. 
Why do you allow criminal activity within your institution? 
How was this criminal allowed to open a Bank account? 
In America when someone is convicted of a crime, other involved parties are charged as being an accomplice. Why doesn't this apply to banks who allow criminals to operate within their institutions and do nothing to correct the problem. 
Why are you protecting a criminal and refusing to pay me what is rightfully mine? 

Bank of America is protecting a criminal and has a criminal as a client. Their client hacked into my customs brokers email and changed his wiring information so that the money I sent from my XXXX bank would go to them. XX/XX/XXXX I unknowingly wired XXXX to this criminal and XX/XX/XXXX again {$14000.00}. 

I realized this was a mistake immediately after the last wire. A XXXX representative informed me that they would be able to pull the {$14000.00} back before it was fully processed. This was told to me over a recorded line on XX/XX/XXXX. It somehow still processed against what I was told. I filed a fraud claim and Bank of America is denying to give me the funds that were stolen from me. I also know for a fact through a recorded phone call that they were still allowing to let this criminal operate his/her accounts. I have filed police reports against the criminal as well as Bank of America for their lack of cooperation and the fact they have called me twice to tell me " I don't know ''. It was Bank of America that allowed this criminal to operate within their banking institution and it is Bank of America who needs to be held responsible for their lack of vetting their clients. I want to be reimbursed my {$20000.00} fully in a timely manner by Bank of America. If the tables were turned, I would be receiving letter after letter. The questions in the beginning of this statement are questions Bank of America will not answer because they have absolutely no clue because somebody knowingly allowed this criminal to open an account without proper documentation.
Product: Mortgage

Frustrating!! My loan was transferred from XXXX. I set up bi-weekly payments and their condition was that I should have 1 month 's balance. I ABIDED. In 2019 XXXX, I made 1 month extra payment so that my bi-monthly payments go uninterrupted. Six ( 6 ) months later, my payments increased, I have different ACH amounts and worst of all, I have 5 months of late charges while they have me set up on ACH. LATE PAYMENTS ON ACH!! Unheard ... This is clear theft. I was on call with a manger for 2 HRS, and after all the explanation I provided, she did not have an answer and opened inquiry tickets. I highly encourage SLS to listen to the recording of the call ... I have explained every single issue and also summarized it for her ( listen last 10 mins to save time ). I can proudly claim that I have not had late payments with XXXX or any other loan ( touch wood ) ... .and here I have 5 late charges on ACH, erratic payments and no clear explanation. Someone needs to pull them up.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on Experian Report Number XXXX ; dated issued XX/XX/2017 the following information is completely incorrect or erroneous : On the top right side of each page where it says " Prepared for : XXXX XXXX '' is incorrect. I have been trying for months to have this corrected since my real name does not have a first letter " XXXX ''. The correct first letter is " XXXX ''. I repeatedly state that my official name is XXXX XXXX but Experian refuses to correct this. All Experian has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms me every time a potential employer, creditor or bank looks at my credit report. Experian is forcing me to be someone that does not even exist ( I checked XXXX ) hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine and appears on every single page of my 22-page report.
Product: Credit reporting or other personal consumer reports

I found out today that TransUnion is reporting a XXXX  win my credit report and this is not mine. 

XXXX XXXX XXXX filing - - Status : - - - Date Filed/Reported : XX/XX/year> - - Reference # : XXXX
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX, which entails processing individual income tax returns for individuals. I am registered as a XXXX XXXX. I opened an account with square merchant services to run my clients payments. I opened the account with very little information. Once I started to run my clients payments manually. They put a hold on my funds. They asked me to submit additional information. I submitted the additional information which consist of an example of an invoice, bank statements, Documentation of an EIN number, registered with the internal revenue service, and Proof that my business is registered as an assume name. I am also a XXXX XXXX XXXX with a Tax Payer identification number issued by the Internal Revenue Service. They said once they review all of my documentation, that they would release the funds into my account. Today, I have received an email stating that my account will be deactvated, and they will be holding my funds for 90 days, and I can not receive them until 2 days after XX/XX/2020. They are holding over {$5000.00} of mines. 
This is not right!!. This is very unfair to me as a new XXXX XXXX!!. I am very upset, and Irate!!. I trusted these people, and now they want to inconvenience me, and hold my funds for 3 months. As a new business, I can not afford this, and I need help retrieving my funds.They said I am a high risk business for Chargebacks.!!.
Product: Credit card

Contacted barclay via chat in regards to being sent a letter dated XX/XX/year> asking for a response 10 days from the date & received it XX/XX/year>. A manager has yet to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, 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 A section 2 : 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

I am a victim of identity theft, i submiited a dispute as I did not recognize this listing on my profile. 

XXXX has violated my rights 1681s-2 ( b ) 15usc 1681i ( a ) ( 1A ) 15 U.S. Code 1681i ( 2 ) ( A ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) This debt has been invalidated XXXX  mailed me 5 statements named " XXXX XXXX '' with a balance of {$650.00}. I don't know what this is? The balance is not the balance displayed on my credit report. The credit report says {$670.00}. Per the FCRA the report has to be 100 % accurate, not 99 %, not 80 %, not almost. This is fraudulent, If not removed I will report to Attorney general XXXX XXXX- Debt invalidated XXXX mailed me 5 statements, that were named " XXXX XXXX '' and the statements had a balance of {$650.00}?? I don't know what this is? The balance is not the same that is on my credit report. I am beyond confused??
Product: Payday loan, title loan, personal loan, or advance loan

WILSHIRE CONSUMER CRED is fraud account charge off account
Product: Debt collection

I have been taken to court ( 3 appearances since XXXX XXXX ) by XXXX XXXX XXXX XXXX on behalf of a Tribute Mastercard. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )