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

I have filed a travel insurance claim through Chase Sapphire - XXXX for Trip Cancellation. My claim was partially denied despite the transaction being covered on the Chase Sapphire Preferred card benefits. Travel insurance claim was partially denied for an amount of {$11000.00} for a set of transactions tied to a prepaid bareboat charter. Multiple requests have been refused by different representatives to provide the denied reason in writing. The only verbal explanation justifying the denied claim was due to the charter not being crewed. Representatives have promised a follow up from a Claims Adjuster to discuss the denial but no attempts at contact were made. Furthermore, representatives have been dismissive and in one instance hung up on the claimant. 

All documentation to the trip cancellation has been provided on the claim and can be provided upon request. 

The publicly available Chase Sapphire Preferred card benefits, that were also provided by a representative, state [ XXXX : XXXXXXXX XXXX XXXX  ] : Eligible Travel Expenses are Non-Refundable prepaid travel expenses charged by a Travel Supplier ( Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers ). 
- Card Benefits, Trip Cancellation/Trip Interruption Insurance , What Are the Eligible Travel Expenses Covered ( page 29 ) The card benefits go on to define a Rented Recreational Vehicle Provider : Rented Recreational Vehicle Provider - a commercial rental Company licensed under the laws of the applicable jurisdiction and whose primary business is renting watercraft, bareboat chartered boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow mobiles or any other motorized vehicle used for recreational purposes, unless stated otherwise or an exclusion applies. 
- Card Benefits, Definitions ( page 38 ) A bareboat charter is well defined as an arrangement for the chartering or hiring of a ship or boat, whereby no crew or provisions are included as part of the agreement. This is a widely held definition used by boat chartering companies and the XXXX XXXX XXXX ( XXXX ). 

These expenses are clearly covered under the stated card benefits created by Chase and denial due to the charter not being crewed is not consistent with the agreement. Attempts to seek even basic explanations for denial and resolution have been met with a lack of cooperation or outright avoidance in communication. The claimants intend to follow through on ensuring the agreement is upheld by the insurance provided. 

Calls have been made requesting written information about my claim on the following dates : - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is allowing Ally to falsely report my account as 30 days late when I paid on the 29th day. I disputed this two times now and they continue to list my XX/XX/2023 payment as 30 days late on my credit report harming my credit score. I paid XXXX the same way and it has been reported paid as agreed. Below you will find the exact copy from the emails I received from Ally. 

" Auto account ending in : XXXX XXXX Your payment is now 27 days past due. To avoid negatively impacting your credit, log in or call us at XXXX to make your payment or view other payment options. '' " You successfully scheduled your Ally Financial payment XXXX Auto account ending in : XXXX Payment amount : {$790.00} Confirmation number : XXXX Payment frequency : One-time ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2011 XXXX XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires by the following companies without my consent. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX loan. XX/XX/XXXX Credco XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS Admin XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite these attempts, the erroneous details continue to appear, and no corrective action has been taken. 

Failure to Investigate ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have not completed the investigation within the required 30-day period, leaving the inaccuracies unresolved.

Inaccurate Reporting ( 15 USC 1681e ( b ) ) : The information reported on my credit report remains inaccurate, as the credit bureaus have not ensured its maximum possible accuracy.

Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have continued to report outdated information past the time frame required for removal.
Product: Mortgage

My loan was acquired by BSI in XXXX of this year. I received a statement at that time telling me that my loan payment amount would not change. In XXXX I received a letter from XXXX stating that my loan payment amount would increase from {$1000.00} to {$1400.00} beginning in XXXX. The only explanation that accompanied this letter was a document showing that my PMI payment would be over {$440.00} when it had previously been {$110.00}. I have reached out to the company three times over the course of a month with no response other than them resending the same initial document. This sequence of events leads me to believe that this is a scheme on the part of BSI to defraud first-time homebuyers by significantly overcharging for mortgage insurance, which will both increase profits at their insurance company, and have the effect of increasing foreclosures which will then be covered by that insurance.
Product: Debt collection

I have repeatedly requested that Fair Collections & Outsourcing provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Mortgage

Hello my name is XXXX XXXX - I am the POS for my dads property at XXXX XXXX XXXX XXXX, XXXX XXXX. MI, XXXX ( POA is attached ) I have sold the home and I have a XXXX dated from XXXX stating that the debt was released is attached, and the taxes on this are being paid via the proper filing on taxes with tax accountant who completed them to the federal government and the state of Michigan. The original loan was with XXXX XXXX XXXX which was acquired by XXXX XXXX they were bought by Chemical Bank. XXXX discharged the debt before Chemical Bank took then over and now has all of a sudden ( Chemical Bank ) now has tried recording their interest in the property ( until XX/XX/XXXX ) and there was nothing about the equity loan filed with county ( attached ). Chemical bank now is saying its a collection and we owe {$48000.00} when we have the paperwork attached from XXXX XXXX stating that the cancellation of debt dated back in XX/XX/XXXX and again attached is the XXXX cancellation of debt.
Regards, XXXX XXXX XXXX Email : XXXX I have also secured a Tax Attorney as representation to resolve this matter : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Repeated requests to Trans Union, XXXX and XXXX to report correct balance on XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Cneverode 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

This is second box in the files attach ghe two documents you sent me and when. You type company name just use any one with XXXX XXXXXXXX and Experian Please remove these items as it is in violation of my permissible purpose these accounts were forged of my signature i never gave written permission to furnish at all never gave permission to the alleged creditor or the third party reporting agencies XXXX XXXX and Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I called Ad Astra Recovery Service to inquire about the collection item appearing on my XXXX Credit Report, after Ad Astra Recovery Service wrote a letter to the Consumer Finance Protection Bureau, dated XX/XX/XXXX, stating they sent deletion requests to the credit bureaus. I spoke with XXXX, a supervisor with XXXX, that stated, Ad Astra Recovery Service refuses to remove this collection item from my credit report, as they stated to the Consumer Finance Protection Bureau. XXXX states they never received the deletion request from Ad Astra Recovery Service. This company business practices are extremely unethical and in violation of the Consumer Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX  XXXX
Product: Credit card

I ordered something from merchant on XX/XX/year> for XXXXAnd they sent the wrong item and because i had a custom order they will not refund me my money and chime bank will not agree to dispute my purchase because i made the purchase
Product: Debt collection

Subject : XXXX XXXX Caine & Weiner Company for Violating Consumer Financial Protection Laws ] Dear Sir/Madam, I am writing to file a formal complaint against Caine & Weiner Company for violations of consumer financial protection laws. The company 's actions have directly contravened the following regulations : 12 CFR 1006.34 ( b ) ( s ) - Failure to provide accurate information to consumers about their rights under the Fair Debt Collection Practices Act ( FDCPA ).

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Harassment or abusive conduct in the course of debt collection, including repeated phone calls and threats of legal action.

12 CFR 1006.34 ( d ) - Failure to investigate and respond to consumer disputes regarding the validity of debts.

15 USC 1681-S - Violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting of consumer credit information.

Despite multiple attempts to resolve these issues directly with Caine & Weiner Company, they have persisted in their unlawful practices, causing significant distress and inconvenience.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement action against Caine & Weiner Company to ensure they comply with federal consumer financial protection laws. 

Thank you for your attention to this matter. I look forward to a swift resolution
Product: Credit reporting or other personal consumer reports

Accounts have been opened and inquired about underneath my name, Unauthorized and done fraudulently. Ive requested more information on these inquiries, incorrect information and collections that are a result of identity theft. 
ive filed an FTC report on the matter on XX/XX/year> Ive mailed dispute letters out regarding all incorrect information
Product: Mortgage

New Day Financial LLC has been sending me VA Loan junk mail for years. I have called them and requested they stop sending me mail but have not complied. Their mail is misleading and predatory. They claim guaranteed amounts of cash out home equity loans and claim lowest interest rates. The mail is deceptive and appears to come from my bank or mortgage processing company.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Credit Card Account opened at XXXX XXXX XXXX  in the amount of {$1200.00} on XX/XX/XXXX under the account number ( XXXX ), Auto Loan Account opened at XXXX XXXX XXXX in the amount of {$17000.00} on XX/XX/XXXX under the account number ( XXXX ). 
XXXX  XXXX XXXX XXXX XXXX account opened in the amount of {$810.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account opened in the amount of {$610.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX account opened in the amount of {$670.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX  account opened in the amount of {$1000.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX account opened in the amount of {$1100.00} on XX/XX/XXXX under the account number ( XXXX ) HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX COLORADO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX INCORRECT PHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYERS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

I fell behind in my payment because of loss of income. I'm currently 5 months behind. I been making consistently payments for the last 5 months including XX/XX/XXXX payment now that I'm back to work. 

I tried working with Select Portfolio Service Company to offer me a catch a plan that is affordable not something that is out of reach. I was offered a catch up plan in XX/XX/XXXX but it was completely out of reach they added a XXXX on top of my monthly payment loan knowing I will fail to make a payment. I contacted Select Portfolio Service to see if I can get a lower catch up plan, but was always told nothing was available. 

XX/XX/XXXX received a letter from Select Portfolio Servicing saying my account has been referred for Legal Action. I also received a letter XXXX XXXX XXXX XXXX. XX/XX/XXXX My loan in very complex because it was part of the failure of XXXX XXXX XXXX and now XXXX XXXX XXXX trustee scandal back in XXXX. I have a silent second for the $ XXXX that was tacked on to my loan. 

I was also told recently they offered me a catch p plan of XXXX dollars a month more back in XXXX but it was verbally nothing in writing. 

Can you please Contact Select Portfolio Services on behalf ask why I do not have a catch up plan that is reasonable. 


Loan # XXXX XXXX Their address is Select Portfolio Servicing XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX by fax XXXX XXXX email XXXX XXXX
Product: Debt collection

TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Walmart Credit card some years ago with Creditor SYNCB/Walmart. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called XXXX XXXX XXXX.
Product: Debt collection

This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. account appears fraudulent I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Debt collection

XX/XX/XXXXReceived notice from XXXX XXXX XXXX XXXX Illinois , Ltd. for debt owed to XXXX XXXX XXXX, ( XXXX XXXX XXXX ) XXXX, VA in the amount of {$180.00}. Called them at XXXX and advised them that debt had been paid on XX/XX/XXXX by personal check. Per their instructions faxed copy of notice along with copy of cancelled check to XXXX. Received more collection calls. Called them back a few days after faxing proof of payment and was told that they did receive of copy of the check but were waiting for investigation by their client ( XXXX XXXX XXXX ). Received another call from them tonight, XX/XX/XXXX, over 4 weeks after they acknowledged receiving proof of payment.
Product: Credit card or prepaid card

XXXX, XXXX, I was cyber scammed, I had Discover card agent on the phone telling them do not except this charge, they still gave the bad guy the money. Please help me.