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

Chase advertised XXXX bonus points on my Marriott Rewards account for spending {$3000.00} in the first 3 months with a Mariott Bonvoy Card,  which I did. They have not honored this promotion, despite the fact that I have scanned and sent them a copy of it. 
It was under this false pretense that I opened the account and spent over {$4900.00} in the first 3 months. Now they say that offer can not be honored. That it should have been {$5000.00} in the first 3 months, but offer no real explanation of why they will not honor the offer. 

Upon my request to honor the XXXX for {$3000.00} spent, here is the letter they sent me through their secure messaging system and my reply. 

Original message : Hello XXXX, I am glad to review your enrollment bonus offer inquiry on Marriott Bonvoy Boundless account. 

XXXX, we assure you that your requests have been reviewed by the highest escalation team in the email channel. Upon review I see that you had received the offer which was available at the time of application. I see your account had an offer to earn XXXX bonus points after you spend {$5000.00} on purchases in the first 3 months from account opening. We sincerely apologize for the inconvenience caused if you were not informed about the correct sign up bonus for your account. The last date to meet the {$5000.00} spend was XX/XX/2020. Since the spend was not met in the given timeframe, your account did not qualify for the XXXX bonus points. 

We're sorry our efforts to assist you did not result in the outcome you had expected. Please know that our inability to grant your request at this time doesn't necessarily mean that we don't want you to earn bonus points on your account. However, we are unable to apply the XXXX rewards points offer to your account. We apologize for the inconvenience caused to you in this regards. 

If you still wish to close your account. You can close your account in the following ways : - Send us a secure message, - Call us at the phone number below, or - Send a letter to : Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX If your account earns rewards, check your rewards activity. 
- If you redeem your rewards through one of our partner loyalty programs ( such as an airline or hotel ), rewards you earned will be transferred to the partner program. >>> We ask that you trust that this decision is the best way to remain fair and consistent, as to make exceptions, would not be equitable to our other cardmembers. 

We appreciate your business and thank you for being a Chase customer. 

Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX My reply : I have filed a complaint with the Consumer Financial Protection Bureau. I will wait to close my account while we see if they can resolve this issue with your deceptive company. 

To reiterate, I dispute that the offer was XXXX for {$5000.00} spent. I sent you a scanned hard copy of the offer I received from YOU with the XXXX for {$3000.00} spent. It was under the auspices of this offer that I agree to take the card. The facts you have stated below are false and/or misleading. 

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

This is exactly why I have had to dispute so many times since the conception of this account from XXXX  Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at equifax, XXXX, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 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. 

XXXX XXXX XXXX XXXX : Account number XXXX XXXX  XXXX : Account number XXXX XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXX
Product: Credit card or prepaid card

As of today XX/XX/18, at approximately the XXXX EAST I have been unable to make purchases, check the card balance via telephone or online and get money from an ATM machine. There is money available on my card from a payroll direct deposit and the card website states it's unavailable because of scheduled maintenance and when I contact them via phone an automatic.recordng states that " their system is updating, please call back later ''. I tried using an ATM and the receipt states to contact my financial institution. I have been unable to use my card for almost two hours and I need to access my money ASAP. The company has not provided any source of information as to what is going on because no one is answering their phones. I have no access to my cash and no understanding of why. This is a prepaid card and the money that is there is mine. There was no information sent about any scheduled maintenance that was going to happen during this time.
Product: Credit card or prepaid card

I entered into a XXXX related 12 month hardship program that included all of my credit cards with Comenity Bank ( all cc had to be incl and put on hold and could not be used ; this was a requirement by bank to enter their 12 month hardship program in XX/XX/XXXX ). All but one ( XXXX ) of my credit card accounts was removed from the program in error in XXXX, despite the bank requiring all credit card accounts be included. At no point did I ever ask to remove any credit card accounts or to be removed from the initial 12 month program. The bank continued to keep my XXXXXXXX XXXX  open and it continued on the program with automatic payments thru XX/XX/XXXX, which is when the program was scheduled to end. I made numerous calls to the bank regarding the other accounts that were removed in error and disputed the XXXX accounts that were closed with all three credit bureaus, but no resolution has been made to date. Regarding the cc that continued to be open until recently, the bank approved me to be on a new financial hardship program that I enrolled into in XX/XX/XXXX ( also for 12 months ). Again, this new program required automatic payments of {$40.00} per month that they scheduled that have been coming out of my bank acct consistently since entering the program. However, since entering the program in XX/XX/XXXX, I have been billed for the normal ( non-hardship ) amount incl interest and late fees every month and have made numerous attempts to resolve their billing errors and have not succeeded. I just recently learned that my acct is now closed ( after disputing my acct status, payment history, and fees billed in error numerous times with the bank and via each credit bureau )! I spoke to XXXX different representatives on XX/XX/XXXX, who all agreed and can see my cc was on a hardship plan, and they further agreed my account was closed in error ( just like my other XXXX accounts ). The XXXX agents I spoke to ( after being transferred several times ) could not help me because my acct has been closed, I was told the system status code does not allow them to fix my account. Despite making the agreed payments on time every month via autopay per the program terms, the bank has closed my account, they continue to report negative information that is WRONG to every credit bureau, and the necessary corrections have yet to be made, regardless of consistency withdrawing my timely monthly payments throughout the duration of another hardship program. My credit card balance, interest, and late fees are all wrong and my credit has taken a dramatic hit from the ongoing errors reported by Comenity Bank on all of my accounts with them!!!
Product: Debt collection

this company just put a deerrogatory on my credit report and this debt was paid directly to hospital over 9 months ago. i am enclosing a copy of the online receipt for this account.
Product: Mortgage

Rocket Mortgage XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX confirm that upon your investigation you discovered that Since XX/XX/XXXX to present I am the sole owner or your finding in writing. 

On XX/XX/XXXX at XXXX I received a call from XXXX XXXX or XXXX XXXXXXXX XXXX we spoke XXXX minutes and she said WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

XXXX XXXX XXXX XXXXXXXX from XXXX here on an visa and on XX/XX/XXXX confirmed to me by XXXX XXXX XXXX identity theft department " HE STOLE YOUR IDENTITY '' and I am gon na take care of this for you. He assigned XXXX for the XXXX amount XXXX and XXXX XXXX also used XXXX XXXX my last name cash XXXX escrow account checks in my name and XXXX XXXX assign to detective XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the  person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Debt collection

I received a letter from Wakefield Associates that I owed a XXXX company. I sent them Notification requesting proof that it was mine. I Never received the proof. On this date, XXXX/XXXXXXXX, I received an email from a credit reporting agency that it is on my credit report. I called the company back and they told me I need to request proof and writing. I told him I already did so, and they asked me to request it again. I told him I sent two notices back to them and asked how many letters do they need before they do something about this?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXXXXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

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. 
Account name : HUNTER WARFIELD INC # XXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXX XXXX account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Vehicle loan or lease

On XX/XX/2023 I received a car from them. 
Other than the fact that they prey on people in tough situations with absurd APRs, overpricing their vehicles ( XXXX for a vehicle valued at XXXX ), they're also thieves and frauds. They took the car back before I even had a chance to make my payment because " my paystubs were fake ''. When I offered him to come talk to my employer directly for proof, suddenly my XXXX wasn't interested. I called to see when I can retrieve my tools out of the car ( worth around XXXX dollars ), was told I can come in Friday after work. 

I went in, XXXX said " the shop is closed and I can't get them, but I should be able to get them on Monday. '' I wasn't able to come before Tuesday, and suddenly their place was " broken into '' and no Tools of mine were found anywhere. Funny how that works. 
When I asked for camera footage for a police report XXXX said " they have no cameras ''. A dealership with XXXX  of XXXX  of dollars in cars doesn't have any surveillance? yeah right. 

I spoke to a few other employees and none of them were aware of any break ins somehow. 

I have attempted several times to pick up my tools and have good reason to believe I am being lied to and my tools were stolen by someone at the dealership. Its also possible they sold the vehicle to someone else without looking ( several of their vehicles we looked at had belongings, including the addresses of previous owners ) and needed an excuse to come up with why my tools are gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX 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
Product: Mortgage

For 3 weeks I have been trying to get a hold of a representative over at Selene Finance and I hardly ever able to get through. About 3 weeks I requested my history of my payments from Selene Finance. They have yet to respond, return phone calls, provide empty promises and I need a copy of my payment history because the lender I am trying to refinance with is requesting it and will close my loan application should I not provide them with the payment history I have asking from Selene Finance. 

How can something so easy be so difficult to provide, or have a Lender that answers their phones. 

I had no choice but to send a Qualified Written Request again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting late when i was able to refinance on a loan!
Product: Vehicle loan or lease

My vehicle loan was paid off on XX/XX/XXXXand the company has been reported inaccurate information to the credit bureaus. On XX/XX/XXXX I reached out to the company about the account still reporting open. This is not my first complaint about this matter before they was not reporting at all when I called in XX/XX/XXXX. When I contacted the company they say that they report every 30 days. The car was paid off before they report. I also made a complaint with the bbb and they said it takes about 30-45 days to report but also as I mentioned they have not been reporting.
Product: Mortgage

I was in bankruptcy and paid it in full but i paid my mortgage company XXXX while in the plan and they wont provide proof of how my funds where paid to my mortgage and i wrote 2 QWR to them and they told us that they dont have that information and they also sumited 2 claims saying that we didn't make certain payment and i know they have stole money from us