23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

American Express Travel does not disclose that it uses a third-party service, XXXX, to book their travel arrangements. 

American Express Travel committed to resolving an issue over the departure date of a recent vacation. The commitment was made on two calls which are logged from XX/XX/2021 and XX/XX/2021. 

As it turns out, that commitment was made by American Express ' non-disclosed third-party resource XXXX. 

Even though both calls are logged and I have provided proof supporting the revised check out date, American Express will not refund me for the revised departure and is unwilling to allow me to initiate a billing dispute. 

I have attached a full detail to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me, the consumer, and SYNCB/PPC and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password, but the website will not permit me to change the password, which prevents me from accessing my funds. This is retaliatory behavior, when they are in the wrong.
Product: Credit reporting or other personal consumer reports

I have disputed balances that simply do not update but have been paid in full. The report is inaccurate and the lack of good faith to properly examine and report is a hindrance on my life and ability to secure accurate interest rates.
Product: Debt collection

This is regarding old credit card debt with XXXX XXXX. It was initially sent to a law firm that I set up monthly payments with and had been faithfully making them for quite a while, and then they suddenly stopped. A month or two later, I receive an introduction letter from Blitt & Gaines our of XXXX, Illinois saying they were taking over the debt. I dont recall anything in the letter stating I needed to contact them or something bad would happen. I assumed they would contact me with what they wanted me to do because thats their job as debt collectorXXXX. This was months ago, possibly as far back as XX/XX/2018. I didnt hear anything else from them until my bank account was frozen yesterday, XX/XX/2018. When I called the law firm, someone there stated they only did it because they tried to garnish my wages but I didnt work there. She named a company Ive never even heard of, let alone worked at. At the time Blitt & Gaines reportedly tried to garnish my wages in XXXX, I had had the same job for over two years. I file taxes. I get direct deposit. How could they not find my actual job? I received no communication that the wage garnishment was unsuccessful and they needed job information from me. I have not moved. I have not changed my phone number. The only thing the woman kept telling me was that it was my fault that I didnt respond to the letter from XXXX. I feel like this frozen bank account could have been avoided and now I dont know how Im going to pay my bills the rest of the month. I dont really have family to ask for help so this is really terrifying. Furthermore, wage garnishment would not have been necessary because I would have wanted to set up a similar payment plan as to what I had before and assumed I would have again. But they did not contact me and took the most drastic action without even informing me ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the XXXX XXXX XXXX XXXX XXXX. This account was opened due to fraud.
Product: Credit card or prepaid card

Failure of Discover to investigate chargeback dispute in good faith On XX/XX/XXXX, I booked a trip to celebrate my 50th wedding anniversary with XXXX XXXX XXXX  ( XXXX  ) ( Reservation Number : XXXX ). I have uploaded the Invoice from XXXX. 

On XX/XX/XXXX, I discovered, while visiting the XXXX  web site, that XXXX   had, without my knowledge or consent or informing me in anyway, rebooked our trip for XXXX. 

Since XXXX  was NOT providing the travel services I purchased, in accordance my contract with XXXX  ( copy uploaded ) and with the Massachusetts Law ( 940 CMR 15.06 Sellers of Travel Services Acting as Tour Operators - copy uploaded ) I informed XXXX  on XX/XX/XXXX that I rejected the rebooking and required a full refund for the canceled trip. 

I filed a dispute with Discover ( Dispute # XXXX ) for the {$15000.00} charge to my account ( Discover : XXXX ). The other charges were also disputed and have since been settled with the charges being refunded by XXXX. 

Discover was provided with all the documentation above ( the contract and the Massachusetts Law and a copy of the XXXX cancellation of our trip  ) that demonstrated that we were entitled to a full refund. Discover denied our chargeback and the dispute was closed on XX/XX/XXXX. I have uploaded the closure letter from Discover. 

I then sent Discover a copy of an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX acknowledged that we were due a full refund ( copy uploaded ) for our canceled trip and indicated that a refund would be made ONCE THEY WERE NOTIFIED BY DISCOVER THAT THE DISPUTE HAD BEEN CLOSED. 

Discover then reactivated, on its own authority, the dispute on XX/XX/XXXX and sent an Arbitration Notification to XXXX. ( copy uploaded ). Since this was contrary to the request in the XX/XX/XXXX e-mail from XXXX XXXX that the dispute had to be closed for XXXX  to process the refund, I call Discover and requested that they close the dispute and notify OAT so that I could receive my refund. 

Discover closed the dispute but FAILED TO NOTIFY XXXX  AND HAS CONTINUE TO REFUSE MY REQUEST TO NOTIFY XXXX  OF THE CLOSURE. I have uploaded an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX indicates that XXXX  has NOT been notified of the closure of the dispute and has therefore NOT process my refund. 

Discover has acted in BAD FAITH by not finding in my favor despite the documentation provided. I have also uploaded a chat segment with Discover dated XX/XX/XXXX that shows that Discover was notified by XXXX   that XXXX  accepted financial liability. Discover failed to post a refund for {$15000.00} to my account despite knowing that my dispute was valid and has obstructed my attempts to achieve a resolution with XXXX by refusing to notify XXXX that the dispute has been closed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX on XXXX completed a non-impactive pre-authorization for a car. on XX/XX/XXXX, in XXXX, Texas i purchased a vehicle at a dealership. in XXXX i contacted the three credit reporting agencies regarding fraudulent and unauthorized information reporting on my XXXX accounts credit profile. " XXXX '' nearly got everything correct. They refused to remove a fraudulent XXXX from XXXX Bank. JPMC bank reported a XXXX credit inquiry, which was ran referencing an EIN, onto my XXXX 's Credit profile. " XXXX '' and " TRANSUNION '' in response to my request to report accurate information, took action that have negatively impacted me and refuse to do whats right. " XXXX '' has been fraudulently accepting my payments of remittance coupons and not reflecting them onto the statement of the account. There should only be XXXX Credit Inquiries on my XXXX accounts credit profile. " XXXX XXXX '' XX/XX/XXXX and " XXXX, Texas car dealership '' XX/XX/XXXX. all other inquiries are the direct result of Fraud, Misrepresentation, concealment, or discrimination. " XXXX XXXX '' became trustee of the trust & failed to fulfill its fiduciary obligation of providing me, the beneficiary, with any benefit. The three credit agencies profit from reporting fraudulent information and take too long to correct issues once brought to their attention.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a listed accounts here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX said one name so remove XXXX out of XXXX which is above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX account on my credit file is showing that its been late in XX/XX/XXXX more then 90 days and in XXXX XXXX XXXX 120 days. It is also being reported on my credit file that in XXXX XXXX XXXX I was late 30 Days and in XXXX XXXX XXXX I was late 60 days. This account is listed as being late I have never been late on this account.
Product: Student loan

Borrowed {$13000.00} in XX/XX/XXXX Current interest Rate 8.500 % We were charged late fees while loan was on auto pay. Also, we were charged interest while loan was in forebeance. Currently, loan is now XXXX and will be paid off in XX/XX/XXXX. 
I am the Co-signer and would like to pay offf loan, however, Navient will only settle for the above loan amount. I need advice on how to negotiate or not at all? I understand the California Attorney General has filed against Navient. Another question, should I just wait before settling with them?
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. 

1, XXXX XXXX Acct # XXXX 2, XXXXXXXX XXXX Acct # XXXX XXXX, XXXX XXXXXXXX XXXX Acct # XXXX 4, XXXX XXXX  Acct # XXXX 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.

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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello- This is a transaction involving my Banker Capital One 360 and XXXX . I had registered on XXXX my Capital One Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by XXXX from my Capital one 360 account. Subsequently i logged a incident with Capital one and XXXX on the same day. Later on XX/XX/XXXX Capital One 360 credited this amount back into my bank account, so did XXXX on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to XXXX Instead of enabling the process the ACH freeze had been put on my account and iam unable to transfer the amount back to XXXX. Reached out to my Bank Capital one and they pass the buck to XXXX and XXXX back to the Bank. I get reminders on the email to credit XXXX with XXXX, which i want to. However, because of ach freeze on my checking account, iam unable to do so. 
Have been a longstanding customer with both the financial institutions over 10 plus  years. This is the first time iam encountering such utter customer dissatisfaction. 

They are refusing to provide basic service and it is appalling. 

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

On XX/XX/2023, XXXX XXXX filed an Identity Theft report along Ftc report for True Identity Fraud to the credit bureaus about fraudulent accounts on my credit report. I am a victim of identity theft. The credit reports XXXX, XXXX and Transunion refused to correct the fraudulent accounts.
Product: Debt collection

I received notification from my credit union ( XXXX XXXX XXXX ) dated XX/XX/XXXX that a levy had been served on my account in the amount of {$10000.00} and was debited {$2400.00} from both my checking and savings. They also included a copy of a judgment. I immediately inquired into the judgement and found that the debt owed was from the year XXXX. I was unaware of a balance due from that time nor did I ever receive communication regarding the debt, nor was I ever serveda a subpoena. The Plaintiff/Creditor is listed as XXXX XXXX XXXX who hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. As stated I do not know what this debt is for as it has been 13 years since it was first issued according the to judgment nor do I believe I am liable of this debt. Now I have been debited my year 's savings and need it back urgently.
Product: Mortgage

Due to COVID Pandemic I applied for a forbearance to assist through the difficult time period off the shutdown and loss of a loved ones, Planet Home Lending , LLC. ( PHL ) was very helpful during this difficult moment, lead me to believe the help was to review the account and continued to verify my hardship with assistance from Texas Homeowner Assistance Fund program, and the Veterans Affairs Loans Servicing Department. 

To my dismay, PHL agents contacted me and asked me to contact TX Homeowner Assistance Fund ( STATE ) program for the assistance to help with the payments that accumulated over the time of the forbearance, as well as contact the VA loan technician assigned to my mortgage because PHL wasn't able to get any response to move forward with the partial claim being processed. 

Upon the initial contact with the technician there was delays due to high volume of cases during the pandemic and the VA had been back logged for a longtime, per my conversation with the agents at TX HAF ( STATE ) program they were having a difficult time getting the necessary information needed to continue the process to assist and aide me through my time of need, and would email me asking for updated information PHL had failed to produce/provide to move forward with the process and the approval forward. 

I received a call XX/XX/XXXX from PHL stating that they received a lump sum pending on my account and I didn't have to make payments for few months or to the beginning of the new year, when asked was the payment sent from TX HAF program the agent wasn't able to identify all the pertinent information at that time... could only verify payment pending, I later found out that the payment came from TX HAF not VA per Loan Tech XXXX XXXX XXXX, stated that the VA doesn't send monies to the mortgage company ( XXXX ). 

This caused major concerns/ problems because PHL appeared to be waiting in the shadows for whichever opportunity that best suited their agenda leaving me having to get ready more difficult days ahead due to PHL issuing a statement of them returning the amount {$24000.00} that went from pending XX/XX/XXXX to posted XX/XX/XXXX, but the overall disappointment from PHL is the fact they've stated that the information given at the time was misinterpreted/misinformation delivery and then proceeded to apologize for the mix up, stating that the actual order of their process was the partial claim that became the initial payment accepted from the VA for the previous forbearance that was on file dated XX/XX/XXXX. 

PHL stated that the funds from TX HAF program would have to be returned to the State, regrettably that has not been case, nor has there been any returned or received funds per the TX HAF ( STATE ). 

Truly... Respectfully, Best regards to this matter!
Product: Debt collection

After XXXX rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different XXXX rep. She advised that there were no notes to indicate written contact only and that she would update their system.
Product: Debt collection

XXXX XXXX called me yesterday at work regarding a debt of my husbands from 5 years ago. I asked him not to call me at work and to call my husband. He said he was n't able to get ahold of my husband, so he had no choice but to call me at work. I asked him never to call my work again and he told me this is n't a friendly consumer debt so he can call me whenever and wherever he needed to until this matter was settled. I again asked him not to call my work and he said he would stop calling me when he got ahold of my husband. He called my husband today and asked him for payment, which my husband said he could n't do right now. He then called my work again and said unfortunately things did not go well with my husband, so he has to start calling my work again. I feel threatened and he refuses to stop calling me at work. I can not block the call and he said there are XXXX attorneys in his office and they are n't going to care if I complain on him. He said he will not stop calling me at work because he needs to get this resolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card

To Whom It May Concern, I am writing to bring to your attention unauthorized credit inquiries appearing on my credit report. Upon reviewing my credit report on the three-credit bureau XXXX I discovered several hard inquiries made on [ Date ] by various financial institutions, including XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my knowledge or consent. 

The unauthorized inquiries occurred on the following dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 1681b, these inquiries were made without a permissible purpose, as I did not initiate any credit applications or transactions with these institutions on the specified dates. Despite my efforts to resolve this issue directly with the credit companies involved, I have not received satisfactory assistance or resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized credit inquiries from my credit report as soon as possible. These inquiries negatively impact my credit score and financial standing, and I am concerned about the potential consequences if left unaddressed. 

Please find enclosed copies of my credit report highlighting the unauthorized inquiries. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. 

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

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Credit card or prepaid card

I tried to 'downgrade ' the sapphire reserve card to freedom card ( rolling 5 % cashback quarterly category ). But Chase refused to downgrade.