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

I booked a trip through the XXXX XXXX XXXX for the new years. The trip was purchased using my chase credit card, I chose a flight to XXXX XXXX, XXXX XXXX with XXXX XXXX on XXXX. The trip included a hotel stay and rental car for {$3600.00}. I was told by XXXX XXXX 4 weeks later that my return flight would be changed XXXX miles out of my way. I told them this was unacceptable and they could cancel my trip. I also contacted XXXX travel and told them that my flight had been switched and would not accept that flight or trip. Ths is an example of bait and switch when you offer a consumer a product ( flight and trip ) to your satisfaction but they change plans later. I notified my credit card company chase and disputed charges 3 weeks before the departure date. They responded 6 weeks later and said charges were valid because I did not cancel my flight to their guidelines. I was charged {$3600.00} for a trip that I didnt not accept or take.. i notified all parties 3 weeks before the trip departed.
Product: Checking or savings account

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681.CCS COLLECTIONS {$440.00}, XXXX XXXX XXXX {$910.00}, XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$2900.00}. 15 USC 1681 section 602 A States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer agency can not furnish an account without my written instruction. 15 USC 1681 ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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

I am writing to formally dispute the inaccurate reporting of multiple accounts on my credit file. 
Upon thorough review, I have identified numerous violations of XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ) across the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The identified violations are outlined below for each account, and I demand immediate investigation and rectification of these issues. 
Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Violations Identified : 1. Late Payment Inconsistencies : The account reports conflicting 30, 60, 90, and 120-day late statuses without supporting payment data, violating FCRA Section 607 ( b ) ( accuracy requirement ). 
2. High Balance vs. Past Due Discrepancy : The high balance of {$3300.00} is reported without corresponding past due amounts, creating misleading and incomplete information. 
3. Missing Closure Date : Despite reporting severe delinquency, the account lacks clarity on whether it is active or closed, violating XXXX XXXX  closure reporting requirements. 
4. Incomplete Reporting : Critical fields ( e.g., last payment date, payment frequency, term length ) are blank, breaching XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Erroneous Payment History : Payment history reflects 30, 60, and 90-day late payments without corresponding dates or amounts, violating XXXX XXXX accuracy guidelines. 
2. Conflicting Closure Information : The closure date of XX/XX/year> conflicts with reports of recent late payments, creating inconsistency. 
3. Misclassification : The account type " Miscellaneous Home Furnishings '' is mismatched with the revolving credit structure, breaching XXXX XXXX classification rules. 
4. Incomplete Fields : Numerous missing data fields in XXXX reporting violate XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Inconsistent Reporting Across Bureaus : Payment history, balances, and account statuses differ significantly between XXXX, Equifax, and XXXX, violating XXXX XXXX uniformity principles. 
2. Erroneous Late Payment Data : Reports of late payments ( 30, 60, and 90 days ) lack corresponding past due amounts or dates, creating misleading information. 
3. Dispute Resolution Misreporting : The account is marked as Dispute Resolved, yet I have received no investigation results, violating FCRA Section 611. 
4. Payment Frequency Mismatch : The payment structure is inconsistent with the account type ( credit card ), breaching XXXX XXXX reporting standards.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following items that have been inaccurately reported on my credit file. These accounts do not belong to me, and I request their removal from my credit report under the Fair Credit Reporting Act ( FCRA ) : XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XXXX XX/XX/XXXX Reference # XXXX These accounts were reported incorrectly and should not be associated with my credit profile. I request that you conduct an investigation and remove these inaccurate records from my credit file.

Please send me a written confirmation once this dispute has been resolved. If you require additional information, feel free to contact me at your earliest convenience.
Product: Credit card or prepaid card

On XX/XX/23, I received automated Chime email welcoming me to Chime and thanking me for opening checking account. I assumed it was phishing, so I didn't open from an previous experience. Several weeks later, I received a debit card in the mail which then alerted me to call Chime on XXXXXXXX. I asked the Chime rep several times to provide details and they would NOT, and would not let me speak to anyone about " how it was opened, what all accounts were opened, if credit bureau was pulled, etc. '' They provided nothing but an email stating I requested to close the account. NOT THAT IT WAS FRAUD. I received another email from Chime XX/XX/23, stating that a deposit was returned from Ohio Dept of Job & Family Services ( ODJFS ). I contacted ODJFS immediately same day to notify them of identity theft/fraud and they notated the fraud and closed the open claim. 
I have all contacted bureau to place freeze/fraud alert on all bureaus and contacted social security department ( they wouldn't place alert on my SS # unless via appt and in person ). 
Today, XX/XX/23, I received a Credit Card from Chime in mail! Called Chime this morning again to report more fraud and ask why they did not share that this account was open when I called last time and once again would not provide any details ( I.e. was credit pulled, was it used, etc. ) and only sent an email of my request to close... .NOT THAT IT WAS FRAUD. 
Chime treats the victim like the fraudster and needs to improve their account opening and ID verification process immediately.
Product: Debt collection

I do not have a contract with MIDLAND CREDIT MANAGEMENT.please send me a copy of your license to collect a debt in New YorK State. You purchase debts as a debt collection device to make money as a debt collector, in which this alleged debt is already paid in full by MIDLAND CREDIT MANAGEMENT. YOU have 5 days to respond with a statement of account with a zero balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will receive notice and demand for {$12000.00} in damages for Fraud, Denial of right to privacy, Dishonor of commerce, TILA violation, Collusion, Racketeering, Intimidation, FDCPA violations.
Product: Checking or savings account

Claim was determined to be authorized transaction because it occurred from customers personal device even though device was reported stolen before transaction occurred. Told police report is not enough to change determination of investigation. XXXX XX/XX/2023 thieves were able to use card and phone to cash app themselves several XXXX dollars form my account. Reported this to chase bank and was denied any path towards recouping these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an official FTC Identity theft report to all three credit bureaus ( Transunion, XXXX  and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called TransUnion on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ex husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.
Product: Credit card or prepaid card

Comenity Bank has experienced a service outage over the past month resulting in the following : -Three weeks of not being able to access the site to make a payment. They do not waive interest and only waived late fees for payments due during 1 of the three weeks. Meaning, most customers were charged late fees despite the payment due dates occurring during this outage. 

-The card continues to be declined while having enough credit and no payment due. 

-Customer service is nonexistent, the phone numbers either lead nowhere or to a person who drops the call. Social media publishes worthless automated responses. There is no method to contact the company and receive remediation.
Product: Debt collection

So there was some CC debt from way back in XXXX, and it isn't even a large amount whatsoever, which BTW has been written off! They're MO is calling and threatening, frequency being up to 6x a day, and that will go on for a week, 10 days, then it's almost as if they take a break from me and then give or take they repeat same tactics approximately 2-3 weeks later!
Product: Debt collection

I never received any bill or notice. Credit bureau has it on my credit file.
Product: Prepaid card

A {$100.00} gift card for American Express was purchased on XX/XX/2023. 
XXXX XX/XX/XXXX and XX/XX/XXXX of XXXX several attempts to purchase items on XXXX failed to go through. Several more attempts to link the card to my XXXX and XXXX account had failed as well. A current attempt is being made to spend some money on XXXX ( money does not leave balance until item is being prepared for shipment which can take days ). Note, there is NO mention anywhere on the card that it is unavailable to use on ecommerce sites. What the included terms and conditions do state however is that, The Card may be used at merchants and retailers in the United States that accept the American Express Card. The websites mentioned all state to accept American Express. Despite that, the card does not work across any. 

An attempt was made to access the site AmexXXXX, and to call the customer service line at XXXX XXXX XXXX XXXX, only to be told to spend it somewhere else or in a physical store. All attempts to use the card online have failed, and all of my purchases are made online making this card useless. 

Furthermore, it is the responsibility of the bank to state what websites/locations that the card would work with if this was going to be an issue. Otherwise, attempting to use the card turns into a guessing game on where the card works or doesn't work, wasting significant valuable time.
Product: Checking or savings account

My name is XXXX XXXX XXXX Chase bank ended there relationship with me for no reason I didn't do anything wrong i have never did Anything fradulant they didn't inform me ahead of time no account closure letter in mail no letter at all i don't think it's right I'm XXXX so something has got to be done please help me out there was no account closure letters
Product: Mortgage

I have a mortgage loan from welsfargo and did deferment for 16months due to covid. I took my loan out of deferment this month XX/XX/XXXX and was told I have an active account for XXXX. 

When I started deferment my principal balance was XXXX. I was told that when I started my deferment it would put a pause on my payments and I would not owe any additional money for pausing the payments. They did say I may have to make a balloon payment for my missed payments but that would apply to my principal loan amount of XXXX. I took myself out of deferment XX/XX/XXXX and now my account says I owe XXXX. 

I have attached a screenshot of my statement from XX/XX/XXXX showing that my loan principal amount was XXXX and a screen shot of my wells Fargo mortgage account summary to show the increase put on my principal balance in XX/XX/XXXX. Also I want to let you know my mortgage amount does not include property taxes or home owners insurance as I pay that seperatly and am up to date on payments. 

I called to inquire why my principal balance went up when it should have not changed. From what I was told when I started the deferment, welsfargo should have just paused the payments and then I should have just picked up where I left off after pausing. As far as missed payments go I was suppose to be able to put them at the end of my loan. It appears welsfargo put the missed payments at the end of my loan and added them to my balance. 

When I called on XX/XX/XXXX I got transferred 4 times and then hung up on. No one is able to give me a straight answer and they are saying I have to pay XXXX additionally to the amount I owed before deferment.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, I paid the balance of the loan in XXXX. 


Reporting to my credit report as a REPOSSESSION AND CLOSED ACCOUNT. 

As of XX/XX/year> this credit is reporting a balance of $ XXXX, which is false. 

I submitted a disputed directly to the creditor stating the balance reported was incorrect... 

This fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. I called spoked to a XXXX XXXX, who was rude and condescending stating the car loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. 

The last time my credit report was updated was XX/XX/year>, where the balance was $ XXXX, closed, and a repossession. I have possession of the vehicle and paid it off IN FULL. Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens. 

Update account to GOOD STANDING AND PAID IN FULL... I do not owe {$5200.00} nor is the vehicle repossessed or is the account closed.
Product: Checking or savings account

I opened my checking account on XX/XX/19. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : two direct deposits of {$500.00} or more and ten debit card transactions. I met and exceeded these requirements which has been confirmed by the bank on multiple occasions via phone calls to customer service. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/19. I began calling to inquire about the status of the promotion I believe in early XXXX, giving them a few weeks of leeway time after the expected date to receive the promotion. After multiple phone calls over the past month, each representative has told me that I do indeed qualify for the promotion but to keep checking my balance on the following Wednesday morning because the promotions are dispersed on Wednesdays. So each Wednesday I would monitor my balance and see nothing had changed. They keep claiming that they have escalated the issue but nothing ever happens. No one has ever reached out to me to describe the problem, if any. I feel like this promotion was a bait and switch and they never intended to pay out the promised promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit reporting agencies, and the item in dispute was deleted from both XXXX  and XXXX  reports the same day the dispute was submitted. I submitted the dispute to Equifax on XX/XX/20 and called XX/XX/20 for an update ; the person could not verify my identity even though I answered all questions correctly and even gave my SS #, but I did not receive an update on the dispute. I am trying to get a mortgage and am counting on them to resolve the dispute within 30 days but they have made no updates while the other credit agencies deleted the item in dispute from my report.
Product: Debt collection

MIDWST RCVRY XX/XX/XXXX Address : XXXX, MO XXXX Toll-Free : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify MIDWST RCVRY or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWST RCVRY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Checking or savings account

I file bankruptcy XXXX XXXX. I was discharged of the debt. I called TRUSTMARK Bank to remove it it has not been removed. It's hurting my credit and I can't a home loan or bank account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Account Information Date of First Delinquency, Last Payment, and Charge-Off Dear XXXX, I am writing to request specific information regarding an account listed on my credit report. I am not requesting deletion of the account but would like clarification on the following details for my records : Date of First Delinquency Date of Last Payment Date of Charge-Off Below are the details of the account in question : Creditor Name : Discover Bank Account Number : Not Available Please provide this information in writing at your earliest convenience. If any additional information is required to process my request, please let me know. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX