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

I applied an American Express Gold credit card about XX/XX/2018. During my application I received information that I will receive XXXX   bonus points after I spend XXXX dollars. I did not receive any notification that I would not receive this bonus. After application. I called customer service for three times to check my bonus, all I got is that I will receive this bonus, it just need time to process. Especially my third call, the manager even discussed his boss, and they both did not find any reason why it took too long to process. He said everything looks correct, I just need to wait for 5 to 7 days for processing. After that I received a phone call in 5 days. I was told they can not give me the bonus because there was a pop up during my application said I would not receive the bonus ( actually not ). The person who gave this information also told me, this decline just connect my account all the time, all the customer should see that. If it is true, why during the past three times phone call, there was no one see this decline in more than 2 months? I doubt if they just added my information there during the 5 to 7 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.
Product: Debt collection

After 11 years of litigation, 3 bankruptcy actions ( two Ch.XXXX  's and a Ch. XXXX ) against Wells Fargo Bank, N.A., Wells obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " Wells Fargo XXXX XXXX XXXX ''. Wells was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX XXXX XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " MERS '' letter only back in XXXX. I have proof of that bribe. 
XXXX  ( XXXX XXXX ) sold to XXXX XXXX XXXX, who contacted me in XX/XX/XXXXseeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the XXXX FORECLOSURE property left to rot and deteriorate. Wells Fargo and XXXX are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in XXXX. THERE IS NO DEBT!
Product: Student loan

I have XXXX private student loans that were sold to collection agency and I was paying thinking I was paying on both - then a received a letter from an attorney 's office wanting to collect. I called the agency that I was paying and they said I am only paying XXXX loan and the other loan was taken from their office and there is nothing they can do about it. 
What can I do - I tried calling the attorney 's office who is collecting on the loan but they never answer or call me back.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX XXXX, Inquiry Date : XX/XX/XXXX .Account Name, XXXX XXXX Inquiry Date : XX/XX/XXXX. I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I purchased two tickets for the XXXX XXXX immersive show from XXXX and was billed {$82.00} on my Capitol One credit card on XX/XX/21. Thereafter, I received an email from XXXX that it was not going to open on time and I could get a credit for the {$82.00} to buy new tickets at a later date. I ordered new tickets for XX/XX/21 but did not get a credit for the {$82.00}. I tried to contact XXXX but it did not refund my money. I then called Capitol One and made a complaint. Capitol One initially credited me the {$82.00} and contracted XXXX. Fever told Capitol One that to credit me the {$82.00} I would have to withdraw my complaint. I said I didnt want to but Capitol One said it could not help and actually charged me twice ( two payments of {$82.00} ). I called Capitol One and was told the double charge was a mistake and they would credit me one payment. I contacted XXXX again and have still not received a refund of the {$82.00}. I do not see why Capitol One will not help me.
Product: Credit card

Ive attempted to reach out to Self Financial via phone & in app chat. However, the in app/online chat does not connect to a live ( human ) agent. The chat stays active and never connects, Ive attempted to use this chat & phone service on XXXX in regard to resolve credit card issues. There are plenty online comments about how Self Financial does not have an active/working customer service line or chat for us as customers of their financial services. Ive received an email as if I was connected the chat with an agent named XXXX and never connected. Also, after calling 5 times today the call ends 1 minute in after selecting the number on the keypad to connect with an agent. My account is pending closure because of the lack of customer service this financial service provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX  XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) and XXXX is XXXX a different name ( XXXX XXXX XXXX XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any require- ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

i financed a XXXX used XXXXXX/XX/XXXX with XX/XX/XXXX IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, XX/XX/XXXX continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to XX/XX/XXXX intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XXXX of every month i spoke with a stepahanie at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that XX/XX/XXXX IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting
Product: Mortgage

I currently have a mortgage with US Bank. The original loan amount was for around $ XXXX as of approximately XX/XX/XXXX. I was required to pay PMI, because my loan amount exceeded the 20 % equity to debt ratio. My current loan amount is $ XXXX. In those 3 years the value of the house has increased and my equity to debt ratio has exceeded the 20 % mark, which should mean I no longer should have to pay PMI. XX/XX/XXXX I started conversations with US Bank to refinance in which they did an appraisal. Based on the appraisal my equity to loan ratio was greater then 20 %. I asked about the removing the PMI and was told another business unit would have to work on it. At which point I requested contact information for the other unit and I received a run around. Finally around XXXX I received a number to contact after I complained on their XXXX page. When I called the number I was told to expect paperwork in 10 business days to complete and once I send it back they will review it and if deemed correct then they will turn off the PMI. It 's been about 15 business days and I have n't received any documents. I continue having to pay the PMI in the meantime.
Product: Debt collection

Original service date was XX/XX/XXXX, a bill was never sent to either of my insurance companies in which I submitted billing information while in the ER. They never sent a bill originally, then then statement they sent me was void of a CPT code. I sent the statement to my insurance company who DIRECTLY requested a BILL w/CPT. They never answered and reported it to THEIR COLLECTIONS AGENCY this Collection agency. 
Now this agency has reported to PAID BY INSURANCE ( as of XX/XX/XXXX ) bill to CREDIT BUREAUS STILL as Unpaid and has dropped my credit over XXXX points!! I have disputed it numerous times even after the XXXX contacted them showing that it was PAID by INSURANCE and a bill of {$0.00} owed they STILL REPORT IT AS DELINQUENT as of XX/XX/XXXX XXXX and XXXX Dispute Results!! AT THIS POINT THEY KNOW THEYRE LYING and deliberately reporting inaccurate information. I have sent them PROOF OF INSURANCE PAYMENT for the {$900.00}. This needs to be REMOVED from my credit and my Credit score needs to be RESTORED!! I have contacted this collections company numerous times and THEY KNOW its PAID yet they continue to DAMAGE MY CREDIT BECAUSE THEY IMPROPERLY ACTED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with Equifax over incorrect information from XXXX XXXX ( charge-off in XXXX, first delinquency XX/XX/XXXX ). XXXX had failed to cancel my account and continued billing, part of a hot mess when they took over from XXXX XXXX XXXX. I have multiple records supporting their incompetence. 

Equifax updated the record to show a " last reported '' date of XX/XX/XXXX. The credit score generated by them is XXXX points lower than that generated by the other credit bureaus. Their own credit score explanation gives " serious delinquency, date too recent or unknown '' as the primary factor impacting my score. This is preventing me from refinancing my home. The date is entirely within Equifax 's control ; they are responsible.
Product: Money transfer, virtual currency, or money service

I am filing 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 redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in 2022, I noticed inaccuracies on my credit report with Experian pertaining to various accounts, which I believe have negatively impacted my credit score. I promptly took the necessary steps and submitted a formal dispute to Experian. My dispute requested the re-evaluation and correction of these inaccuracies under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681.

Despite my actions and subsequent communication, Experian has failed to adequately rectify the inaccuracies. No significant changes have been made to the accounts in question, and the errors remain on my credit report.

This has not only caused me financial harm but also undue stress as these errors continue to unjustly affect my creditworthiness. The neglect to remedy these inaccuracies is, I believe, a violation of the FCRA, and I have been compelled to take further legal steps.
Product: Debt collection

In late XX/XX/2021, I pulled by credit reports and noticed a collection account that I did not recognize. It was from a company called Portfolio Recovery Associates. I sent them a certified letter on XX/XX/2021, which they received and signed for on XX/XX/2021 ( evidence of return receipt will be attached ). In the letter, I explained that this debt that they claimed I owed was erroneous and did not belong to me. I sited the Fair Debt collections Practices Act ( FDCPA ) and asked them to produce a signed contract from the original creditor with my signature within XXXX, which is required for them to collect on this debt and report it to the credit bureaus. I also asked that during their investigation, that they remove this unverified debt from my credit reports until their investigation was complete, which is required by law under the FDCPA. I received a response very quickly, with their letter arriving to my home on XX/XX/XXXX, which was very strange considering that they had just received my complaint 3 days prior. What was also problematic was that the response was dated as being written on XX/XX/XXXX, which is odd, because my letter was not sent out until the XXXX, so how could they have generated a response for a dispute they had not received yet? It seems as if they did not perform any investigation at all, but just had a default response queued up in their system in case I asked for validation. If this is the case, it would constitute a clear violation of my rights under the FDCPA. In my letter to them, I specifically asked for Portfolio Recovery to produce a contract with my signature to validate that this was indeed my debt, as required by law. If they had done a proper investigation, they would have found out that no such document exists. It was made clear that they do not possess the proper documentation when I reviewed their response. They only possessed snapshots of alleged charges with no contract, no signature, nothing linking me to this erroneous account. The address that was on the original account wasn't even correct. They clearly failed to validate this debt within 30 days, so, in accordance with the FDCPA, this account was supposed to be immediately removed from the three credit bureaus. Portfolio Recovery failed to do this. This company 's refusal to comply with the law has also drawn the attention of XXXX. During my dispute process with XXXX, Portfolio recovery associates was asked multiple times to produce the proper documentation to verify this debt, but they failed to do so. This resulted in XXXX deleting this erroneous information from my credit file with them. It is clear that this company isn't even keeping basic documentation to be reporting or collecting on this alleged debt. Portfolio recovery associates is aware that they have failed to validate this debt, but now seem to be deliberately and brazenly violating the law. Even through XXXX has removed this account, it unfortunately remains on my XXXX and XXXX credit reports. This violation of my rights has caused direct damages to myself as well as my family, and that is unacceptable.
Product: Debt collection

I have been getting harassment calls regarding this debt and I never had a contract with this debt collector for any debt. I asked them to Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue.
Product: Mortgage

I took out a mortage in XXXX. The mortgage payemets were affordable the first couple of months of the life of the loan. However, the monthly mortage payments skyrocketed within a the first year of the mortgage loan. The increased on my mortgage payments made it impossible for me to keep making payments on my mortgage loan. Now, I am trying to fix my mortgage loan by doing a a short sale but the bank is not allowing the process to go through.
Product: Mortgage

Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Reporting XXXX by XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally request the removal of an inaccurately reported late payment on my credit report regarding my XXXX by XXXX XXXX credit card account. The reported late payment is incorrect, as there was no late payment due on the account. Furthermore, XXXX by XXXX XXXX failed to comply with the procedures outlined in 15 U.S.C. 1666b regarding the proper reporting and notification of late payments. 

According to 15 U.S.C. 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless they have mailed or delivered a billing statement at least 21 days before the payment due date : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that periodic statements are mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX by XXXX XXXX failed to follow this requirement, making their reporting of a late payment inaccurate and unlawful. Due to this violation of federal law, I am requesting the immediate removal of the XXXX by XXXX XXXX account from my credit report. 

Additionally, these late payments have been reported inaccurately on my credit report, and the law clearly states that all information on a consumers credit report must be reported accurately. As this inaccurate information is in direct violation of the Fair Credit Reporting Act ( FCRA ), I request that all late payments be removed from this account and that the account itself be deleted from my credit report. 

If XXXX by XXXX XXXX claims that they have followed the proper procedures under this law, they must provide documented proof of compliance, including verifiable evidence such as a tracking number or other confirmation that the required notice was delivered. If they are unable to provide such documentation, then this inaccurate reporting must be deleted from my account immediately. 

Please investigate this matter and correct this inaccuracy as required by federal law. I expect a written confirmation of the removal of this account and all associated late payments from my credit report within the legally required timeframe. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Attached, you will find supporting documentation regarding this dispute. Please update my records accordingly and provide written confirmation upon resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

continues to contact my employer after i have requested they not call me at work. 

I have requested this both verbally and in writing.
Product: Payday loan, title loan, personal loan, or advance loan

Home and Auto Plan was added without my knowledge totally XXXX and possibly other charges