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

I did not record all specific contact dates with the company, however, here is the problem. I have a Master Card through XXXX XXXX which offers rewards including cash back of 1 % of purchases. My rewards points amount entitles me to about {$470.00} in cash. Starting in XX/XX/XXXX I tried to redeem the points for the cash to use to pay towards my outstanding balance. At that time the relevant web site that I logged into contained a message to the effect that rewards information is not available at this time, please try again later. I contacted the company initially in XX/XX/XXXX and I tried with the customer service rep to get me access but to no avail. At the end of conversation I was told it would be fixed soon. Well it is still not fixed as of XX/XX/XXXX. I have contacted the bank at least 10 times since XX/XX/XXXX and it is still not fixed. They keep telling me it is being worked on and wait some days and try again. I did that repeatedly which led to my calling the bank each time. Also I told the bank all I want to do is redeem the points for the cash so the website info does not matter. They told me repeatedly that absolutely no one at the bank can do that for me. There is no manual work around that exists and I am the only one who can do it and only through the website, which of course for 3 and one half months has not allowed me to do that. Supervisor XXXX who I spoke with today XX/XX/XXXX confirmed that. He could not help me other than to tell me it will be fixed which is what everyone else has been telling me for over 3 months. I am not asking for a great deal. All I want is to cash in my rewards points and apply the amount to my account balance. Synchrony has my money and will not give it to me. Please help. Thank you.
Product: Mortgage

Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. 

I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. 

CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. 

I do not want this, I want a modification to continue.
Product: Debt collection

I received a debt collection letter from avante on XX/XX/18 involving a bill I supposedly owed. I contacted my local hospital and found the only bill they had for me was written off due to financial hardship ( I have documentation proving it as well ). I then requested avante validate the debt in writing. The request was postmarked XX/XX/18 and was sent via certified mail and was signed for by XXXX XXXX. I never received a validation and now the debt is being reported on my credit report as being in collections since XX/XX/2018, before I was even notified of the alleged debt, which in my understanding is in violation of the FDCPA. I would very much like validation of the debt to cross check with my records from the time. And would very much appreciate if it was either removed or changed to disputed on my credit report as there was no validation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

I had a credit card with American Express in XXXX. American Express was debiting my account for payments each month. Without notice, i received a letter from their collection agency stating my account was being handled by their collection department and i had no recourse but to pay the full amount i owed or they are taking me to court. 
After extensive research, i found my rights were violated and American Express used phone calls to threaten me if this debt was not paid in full within a matter of 30 days. 

The debt was handled by an outside collection agency hired by American Express XXXX XXXX  and they filed a civil suit against me in the City Of XXXX XXXX  on XXXX Index number XXXX. 
The attorney representing American Express was XXXX XXXX XXXX Esq. Mail Code XXXX XXXX, NY XXXX. Phone Number : XXXX. 
Due to me not able to retain an attorney or afford one, i had no option but to take their calls. I finally had to settle with the American Express collection agency. 
Later i also found out that American Express did not handle the collection process and it was being handled by an outside agency. 
I would like to see what would be my recourse and if i would also be able to file a complain against the attorney who was constantly calling me with the New York State Bar Association.
Product: Credit reporting or other personal consumer reports

I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected. 

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against XXXX and XXXX for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Please validate the information, as I have no knowledge of this debt. If you fail to provide adequate verification within the required 30-day period, I demand that you remove this collection account from my credit report immediately.
Product: Credit reporting 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.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 don't 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX for 10 years ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX 1802 has violated my rights.

15 USC 1681 Section 602 States that I have a 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 and again on XX/XX/2022 I sent letters regarding inaccurate or unknown information on my credit reports to this day over 60 days plus later I have not received response yet. I at this point feel I am being taken advantage of and ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over 60 days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. my information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

Midland credit is taking me to court over credit card purchases. Said the account was opened in XXXX. I've not had a credit card since XXXX. Said the total was approx XXXX. They have not provided any evidence as such.
Product: Checking or savings account

A QUICKPAY FOR RENT WAS MADE THROUGH CHASE BANK ON XX/XX/2019 TO ANOTHER CHASE ACCOUNT. THE RECIPIENT RECEIVED AN EMAIL FROM CHASE BANK CONFIRMING HE HAD RECEIVED THE AMOUNT OF {$1100.00} ON THIS DAY AT EMAIL ADDRESS XXXX. 3 DAYS PASSED AND NO MONEY WAS DEPOSITED INTO HIS ACCOUNT, ALTHOUGH IT WAS WITHDRAWN FROM MY ACCOUNT. WENT TO THIS CHASE BRANCH IN XXXX XXXX, IL AND MANAGER INFORMED US AT FIRST THAT EMAIL WAS TEH SAME BUT HAD GONE TO A DIFFERENT ACCOUNT NUMBER THAT DID NOT MATCH THE RECIPIENTS. THIS IS A MAJOR SECURITY BREACH. THEY WERE UNABLE TO CANCEL THE PAYMENT AS THEY COULD NOT TRACE/TRACK THE PAYMENT. HOW DOES A REPUTABLE BANK LOSE MONEY AND IS UNABLE TO TRACK AND SECURE PAYMENT AND CLIENT INFORMATION. A CLAIM WAS OPENED ON XX/XX/2019 AND I WAS INFORMED I WOULD RECEIVE A REFUND FOR THE XXXX WITHIN 12 HOURS. REFUND WAS NOT RECEIVED UNTIL ONE WEEK AFTER, 7 DAYS AFTER. TODAY, ON XX/XX/2019 A WITHDRAWAL FROM MY ACCOUNT WAS DONE FOR THE SAME AMOUNT WITH A NOTE OF CLAIM REVERSAL. WENT TO THE SAME BRANCH AND WAS INFORMED BY THE CSR THERE THAT THEY WERE UNABLE TO TRACK THE MONEY SO CLAIM WAS CLOSED AND UNFOUNDED AND THAT MONEY WAS NOT SECURED SO IT WAS WITHDRAWN FROM MY ACCOUNT SINCE THE BANK COULD NOT FIND THE MONEY. THIS NEEDS TO BE RESOLVED. IT CLAMS TO BE AN FDIC INSURED BANK AND CAN NOT RESOLVE OR SECURE CLIENT INFORMATION. THIS IS A MAJOR SECURITY BREACH AND WILL FORWARD TO THE MEDIA AND ALL OUTLETS NECESSARY TO RESOLVE AND BRING ATTENTION TO THIS MATTER. WHETHER IT IS XXXX DOLLAR OR XXXX XXXX, IT IS MY HARDWORKING MONEY THAT CHASE LOST DUE TO A BREACH AS THEY SAY AND WILL NOT RETURN.
Product: Vehicle loan or lease

While I have attempted a number of times, I have yet to receive all outstanding responses to my questions, from the finance company 's perspective - Stallantis Financial Services ( SFS ), pertaining to my most recent lease. 

I was told by the dealership that they didn't want to state accurate/actual mileage on the lease contract, since it was over XXXX miles because it 'throws up red flags '. I would like to better understand this, from SFS perspective - what process and procedures are there for new lease vehicles with over XXXX miles. Would SFS ever tell a dealership this? Why would the dealer potentially have this understanding? I would like to understand SFSs view on this statement the dealer made, on behalf of the finance company/SFS. 

Related, regarding the contract, the dealer/Finance Manager did not indicate any over-mileage stipulations ( i.e., overage charges ) as part of my contract at signing and when I took possession of the vehicle. The dealer, a week later, came back and stated that the finance company/SFS communicated that I 'do not have a contract '. I would like an explanation, from SFS, whether or not this is what was communicated back to the dealership to communicate back to me, as that is what I was told. I would like an explanation of what was actually communicated. 

XXXX XXXX from SFS shared I would receive this explanation in-writing, but I haven't received to-date. Now XXXX XXXX has been unresponsive to email.
Product: Vehicle loan or lease

The affiant is exercising its right of revocation under 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney used in connection with this transaction, including any derivative, hypothecation, trades, or transfers of possession, voluntary or involuntary involving each and every instrument. I was not informed of the existence of any such power of attorney and demand its complete revocation ; nunc pro tunc. As the affiant is aware, I participated in a credit sale as a result of the consumer credit transaction I got into with XXXX XXXX  XXXX XXXX, XXXX XXXX  on XX/XX/2021. 
The affiant is aware that under 15 U.S. Code 1635, the affiant is no longer accountable for any financial change. Due to the sum of {$29000.00} relating to both the Truth in Lending Act and Regulation Z, the creditor must terminate any security interest and restore any money or property.

According to Bureau standards, each consumer credit contract must have eight needed material disclosures, which must be clear and conspicuous, bolded in ten point type, and sectioned off in boxes. A mortgage contract must contain nine required material disclosures. The contract furnished by XXXX XXXX  XXXX XXXX, XXXX did not fulfill the entire requirements of material disclosures required by the Truth in Lending Act, as noted in EXHIBITS below
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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