23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I rented a car through XXXX XXXX. After returning the car, there was some reported damage to the hood. I filed a claim with a company that Chase partners with that provides free rental car protection. Company ( XXXX XXXX XXXX ) told me to pay the damage fee to the rental car with my Chase card and itll get reimbursed. I did that but then Chase charged me a {$47.00} foreign transaction fee. I called Chase, they explained they will reimburse me for the fee once the insurance company reimburses me for the damage costs. I asked if itd be a problem if the company sent me a check, he said no. Once reimbursed from Card Benefit Services, I called Chase back and they told me I couldnt get my money back because the money wasnt deposited into my Chase account. I escalated to the manager, they said they will look into it and send me a letter of the decision. Denial letter came in a couple weeks later. I called back and was now told foreign fees are never reimbursed. I escalated to the manager, he said there is nothing that can be done. If I wanted, I could write a letter to their executive members but that was all.
Product: Credit card

I disputed a charge with XXXX ( case number XXXX ) when I returned an item and never received a refund from the seller. Capital One automatically denied my claim with a letter saying, We have a limited amount of time to reverse a charge on our customer 's accounts. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge. This timeframe seems nonsensical given some merchants have return policies that extend beyond 60 days. If Capital One is not willing to pursue chargeback action against fraudulent merchants that occur beyond a XXXX time limit, then that policy should be clearly stated to cardholders so they can avoid using a Capital One card for any purchases with extended return periods.
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

I am exercising my right to dispute and investigate these accounts, which are incorrectly reported on my credit file. Under the Fair Credit Reporting Act, I should be awarded {$1000.00} for each erroneous report. FCRA 605B obligates us to report any inaccuracies found on a consumers report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Trans Union for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is something like this : The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Trans Union Credit File two years from the reported date of the inquiry ( see section Trans Union reply to inquiry removal but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Trans Union has committed. I want Trans Union to delete these inquiries for violation because they ( Trans Union ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Trans Union to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Again here are the violations being committed by Trans Union when they dont delete the inquiries above in the list : - They ( Trans Union XXXX are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 
- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. Delete for violation. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, My name is XXXX XXXX and I'm hoping I can get an answer to the following : I refinanced my mortgage on XX/XX/XXXX through my lender XXXX XXXX. XXXX XXXX XXXX represented me as the title company. The issue that I'm having is the following : When I refinanced my property one year ago to buy out my brother in-law 's portion of the home in XX/XX/XXXX, my prior lender Roundpoint recorded a satisfaction of mortgage along with an assignment of mortgage to XXXX XXXX. Due to the satisfaction recording error on Rounpoint 's part, I was not approved for a CEMA process this time around. I postponed my closing to allow the different parties time to resolve this issue ; however due to timing I had to finalize my refinance since my interest rate lock was expiring and therefore closed on XX/XX/XXXX. This resulted in XXXX mortgage tax to amount to {$13000.00} ( 1.92 % on entire mortgage amount ) as if I have taken a new mortgage. I reached out to Roundpoint after the closing and they opened up case to investigate the recording error. They acknowledged that this was the case and therefore went back to rerecord ( rescission of satisfaction of mortgage ) on XXXX XXXX. As I understand from an advocate contact at Roundpoint ( XXXX XXXX XXXX ) and multiple emails going back and forth, Roundpoint and XXXX XXXX along with XXXX   XXXX XXXX were going to redraft the documents as a CEMA   process rather than a new loan. After final review, my current lender and settlement attorneys mentioned that bottom line the rescission of " satisfaction of mortgage '' by Roundpoint made no difference whatsoever even if I wanted to have the CEMA process ( since this error would have nullify everything ) I know this sounds like a lot to process ; however, bottom line is that I should not have incurred the {$13000.00} and it should have been around {$260.00} instead. 

Please reach out to me via email response or via cell at XXXX or via e-mail XXXX Your response to this matter is greatly appreciated! 



XXXX XXXX
Product: Student loan

I called the company because they call me repetitively stating I need to pay. This loan was taken out in XXXX!!! I originally borrowed XXXX ... I have been paying for over 12 years now and my bill is close to XXXX??????? How is that possible??? How does this bill keep going UP? Over 12 years it should have been paid off multiple times .... I feel like this is predatory and not honest. I feel as if they never applied my money paid and just kept on packing on interest. When I called to discuss this, they said they are private and this is what I owe, nothing they can do about it. There has to be something. I pay XXXX dollars a month so simple math ... XXXX times 12 months is XXXX times 12 YEARS is XXXX ... thats almost 3 times what I borrowed? Is this legal?
Product: Credit reporting or other personal consumer reports

XXXX reported a medical bill on my credit for treatment that was a result of a XXXX XXXX relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to XXXX, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with Experian and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called Experian and XXXX daily to get no result other than XXXX saying they arent reporting it and Experian saying they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/Navient ... dates is XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting 180 days or more late.. this account have been since XXXX.. in XX/XX/XXXX I fail into hard times and financing was not so good and being a single mother was hard ... Ive wrote good will letters, Ive called several times begging for forgiveness and to correct the late payments.. right now its stopping me from getting the job I truly need that will help me stay on top of my finances ... since XX/XX/XXXX Ive became current with navient.. please help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.
Product: Credit card or prepaid card

I was a victim of fraud someone opened a XXXX dollar credit card in my name I called TD credit and the card has been shut off but I dont know who opened the account
Product: Debt collection

I have no recollection of this company nor how they received my personal information. This violated my consumer rights according to FICO. I have not received any documentation from this company and have nothing to furnish.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately reinvestigated. The in accuracies are highly injurious to my credit score. 

Accounts The accounts are SXXXX XXXX XXXX  account number XXXX and account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX account number XXXX and account number XXXX. 

In accordance with The fair Credit Reporting act public law XXXX title vi section XXXX, provide the names and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX it was indicated on the XXXX website that TransUnion was preparing a response to my previous complaint. I recieved a letter from Trans Union dated XX/XX/XXXX stating that the information regarding XXXX XXXX  XXXX XXXX # XXXX was verified as accurate. That is unacceptable given the fact that the Court Clerk verified over the phone that they Do Not report to the credit bureaus, also I did not attend any kind of court proceeding in person or by XXXX nor did an attorney retained on my behalf. 

XXXX XXXX XXXX or lack of investigation did not seem to read the part of my dispute when i explained that the three ( 3 ) of the four ( 4 ) bankruptcies on my report were filed in an attempt to stop XXXX XXXX  from foreclosing on my home while i was under modification. this docket # XXXX did not provide any monetary gain whatsoever. the other two ( 2 ) bankruptcies filed in XXXX and XXXX were filed fraudulently by internet companies i was directed to by XXXX which of course were scams and cost me nearly {$1500.00} per scam. 

My home was lost after i was injured on the job in XXXX and left XXXX. I dont see anyone going after XXXX for breaking a federal regulation but i should have to have this garbage on my report making housing options nearly impossible? Bottom line THE BANKRUPTCIES WERE DISMISSED and the number of bankruptcies exceeds the number allowed by law to even have filed. thanks for your investigation it addressed none of the points in the dispute. 

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

On XX/XX/2018 I was notified by XXXX XXXX and XXXX XXXX that there was a hard pull of my credit report by XXXX XXXX, of my Trans Union Credit Report XXXX I contacted Trans Union and advised them of the incident and i put a cridit freeze on my account. Trans Union told me that I would have to deal directly with XXXX to have the hard inquiry removed from my account. 
I contacted XXXX fraud department. They advised me that they were unable to remove the hard inquiry from my credit report, that Trans -Union would have to contact them with a dispute filed by me. XXXX told me to contact CFPB to assist in resolving this issue. 
I have never had an account, nor have I ever done business with XXXX.
Product: Mortgage

In XXXX, we filed for bankrupcy, got discharged and approved for a mofification loan with Nationstar Mortgage. For six years, the payments were always automatically withdrawn from our bank accounts. We also chose the option of receiving the electronic billing statement. Suddenly since XXXX XXXX, we could not access the online account and did not receive any regular hard copy statement. Called Nationstar many times, all representatives promised to fix it in 4 days, 10 days but nothing happens. All representatives looked at the bankrupcy records and confirmed it had been closed a long time ago and absolutely not in active status. Now every month I try to call them to make a payment, they wanted to charge me XXXX dollars for processing fee and did not even send me a receipt or a confirmation letter. How could they been allowed to do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Check Documents for Documentation This account should not be furnished on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

Under, 15 U.S Code 1681b - ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Under, 15 U.S Code 1681b 1681b-A ( 2 ) ( i ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was charged off but paid in full, I asked for the balance to be updated so the account would no longer show an outstanding balance in doing so Experian updated the account to show as a recent charge off as of XX/XX/2021, so all of recent request has been denied because its showing that I have a recent 90 day late and charge off, the charge off happened in XXXX of XXXX. I need the account corrected. Immediately as this is hurting my financial status and integrity.
Product: Debt collection

RPM has contacted 24 times since XX/XX/XXXX. After receiving verification of debt I contacted RPM regarding a discrepancy between the last bill received by the phone company the amount they are trying to collect. The discrepancy amount is {$250.00}. I asked for RPM to explain the discrepancy and the person I spoke with was unable to do so. When RPM contacts me and I am available to answer I answer my phone, say hello twice and noone answer on the other end. The following is last phone calls ( times and dates ) since XX/XX/XXXX. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX-answered 13 second call no answer from other side XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX answered 10 second call no answer from other side XXXX : XXXX-answered 8 second call no answer from other side, XXXX and XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX-answered 7 second call no answer from other side XXXX : XXXX answered 9 second call no answer from the other side XXXX : XXXX, XXXX XX/XX/XXXX : XXXX
Product: Checking or savings account

Navy Federal has been overcharging me with overdraft fees due to unclear and unfair practices. It seems like theyre processing larger transactions first, causing my account to overdraft sooner, even when smaller charges could have been covered. Pending transactions also seem to reduce my available balance prematurely, leading to unnecessary fees. On top of that, theyve charged multiple fees for a single negative balance. This is frustrating and feels like a way to maximize profits at my expense. Id like Navy Federal to review and correct these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit : XXXX  XXXX XXXX {$360.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$270.00} XX/XX/2022
Product: Credit reporting or other personal consumer reports

I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.
Product: Debt collection

I received a debt collection letter in the mail. When I called to dispute the debt the lady got attitude and talked about filing a fraudulent police report. When I called back to talk to other representative, the guy that answered was not polite and hung up on me. Both times I was ensuring nothing further needed from me, and nothing needed submitted in writing disputing the collection. 
I tried explaining the patient in question was a prior XXXX XXXX  however was not placed with us during the service date listed. We did not even know each other at that point. The patient in question was still living at home with his biological parents.
Product: Credit card or prepaid card

Citi XXXX XXXX had an offer for XXXX, where I would receive {$30.00} cash back for spending {$100.00} or more at XXXX. I added this Merchant Offer to my Citi XXXX card, and then made a {$100.00} purchase on XX/XX/2023. As required by the Citi XXXX XXXX terms, I did NOT use any other promotional offers on this order. It has been more than XXXX weeks, but the {$30.00} Citi XXXX XXXX credit still has not posted. The Terms of the offer do not include any information on by when I can expect the credit to post. On XX/XX/2023, I chatted with an agent on XXXX regarding this issue, but the agent was extremely slow to respond and could not even locate the offer after almost XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information filed has harmed me and is infringing upon my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

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

My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.
Product: Credit reporting or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.