23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have received letters from GC Services Limited Partnership -- - XXXX, MI XXXX and XXXX, TN XXXX -- - dated XX/XX/XXXX and XX/XX/XXXX demanding payment for defaulted student loan ( s ). 
They say they have tried to call me but, if they did, no messages were ever left. 
I have read numerous online reviews by other people who were contacted by this company. The reviews reveal many very serious allegations : Among the problems : > payments that were made to GC Services could not be and were not validated or confirmed -- - one victim was told that her " {$3000.00} was never paid '' ; > constant telephone harassment ( 3x per day ) for 6+ weeks ; > claims that the paperwork they sent was not received by GC Services ; etc. 

I am on a fixed income ; food stamps ; and living in a small, subsidized residence. 
I never expected to be in this situation but based on the many other reviews and my own gut instincts, I do not trust these people and suspect only the worst. 

Please send GC Services a " cease and desist '' notification of some sort. 
Thank you for your attention and consideration.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint AgainsXXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against Chase and XXXXG Claims , IncXXXX regarding the wrongful denial of my Chase Sapphire Preferred travel insurance claim ( Claim XXXX XXXXXXXX ). 
1. Chase Misrepresented Its Credit Card Travel Insurance Chase markets its travel insurance as " comprehensive '' and lists trip interruption coverage as a core benefit. 
However, when I filed a legitimate claim for a trip interruption caused by a volcanic eruption, I was denied for reasons not even listed in the policy. 
This is misleading advertising because Chase is offering a benefit that can not actually be used when needed. 
2. The Claims Processor Invented a False Exclusion eClaimsline denied my claim, despite admitting that volcanic eruptions are not listed as exclusions. 
A non-existent exclusion is being used to avoid honoring valid claims. 
3. This Is a Case of Unfair and Deceptive Financial Practices Chase is marketing travel insurance that does not function as advertised. 
XXXX is systematically misrepresenting policy terms to deny claims. 
This practice harms consumers who rely on these benefits when booking travel. 
Requested Action I request that the CFPB investigate Chase for misrepresenting its credit card travel insurance and require that all claims be processed in accordance with actual policy language, not arbitrary interpretations. 
I have attached all supporting documents, including my policy guide and denial letter. Please confirm receipt and next steps. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Experian ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has not removed fraudulent information indicated from my credit report. They have received all necessary documentation. It is illegal for them to leave fraudulent information on my credit report while they claim to investigate. 
I have alerted the credit bureau that I am a victim of identity theft. They have failed to delete the accounts that are fraudulent. I have sent them ALL requested documentation and proof of identity. There are accounts that have been closed with the creditors that are also still reporting. I will include them below. 
XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX they are also reporting late payments on an account - XXXX XXXX XXXX - said account has been paid IN FULL every month.
Product: Credit reporting

My concern is with Citcards XXXX Score information on their website. Their website is showing an inaccurate XXXX Score, they state that two situations impacted my score which are, late payments and missed payments and oldest account is to recent. Citibank receives this information from XXXX. I pulled my most recent credit file from XXXX and it does n't show any late payments nor missed payments, also my oldest account is XXXX years old. I called XXXX and they said I ca n't dispute anything because there is nothing to dispute and told me to call Citibank, Citibank tells me that they ca n't do anything because the information is from XXXX and that I need to dispute it with them, my credit file has nothing inaccurate to dispute, also other banks provide similar service and their scores are totally different for example ; XXXX score is XXXX, XXXX XXXX score is XXXX, but Citibank is showing XXXX, this problem has impacted my APRs on my credit cards from Citibank from 9 % to 16.24 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed " XXXX XXXX XXXX '' with Experian, XXXX, XXXX multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from Experian & XXXX and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.
Product: Credit card or prepaid card

Bought a netspend card on XX/XX/22, and followed all directions to activate it. Got an email response from them saying they couldn't activate it because my info was not matching. Someone else used my info. 2 hours on the phone with two different reps and they couldn't transfer me to a fraud department. They just wanted to activate it for me. XXXX told me I had to go through netspend, they couldn't help either. Nobody can help me prevent this fraud. This company is helping commit the fraud since they can't help stop it. All it is, is a XXXX {$25.00} card so my daughter could go on her XXXX XXXX trip where it's cashless. Now, I find out someone has their name on my ssn associated with credit cards and netspend has no fraud department that anyone can talk to.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Credit reporting

I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union is reporting two negative accounts on my credit file that don't belong to me. these accounts and balances do not belong to me and are not mine. I have notified them of these errors and they have refused to correct them and remove them from my credit file. the accounts are XXXX XXXX and XXXX and XXXX ands they are appearing under the negative accounts on my credit file.
Product: Checking or savings account

I have been having an ongoing issue with capital one bank not releasing my funds of XXXX that remained from my small business loan a loan that I have to pay back but theyre holding my funds hostage. I talked to the security team with capital one and they stated they were sending it to the lender but would not give a time frame so I contacted my lender and they stated at this point its my money and since the ppp closed there is nothing they can do. It has been for 4 months and I feel like they are trying to still my money
Product: Credit reporting or other personal consumer reports

This is the 2nd attempt to get this issue resolved and LexisNexis keeps stalling by saying that they can't verify my identity, which is false because I provide that proof within each letter sent or they respond to a problem that has nothing to do with my complaint. 

From the 1st Complaint- XX/XX/23 Sent LexisNexis a letter asking how they verified a bankruptcy on my consumer report. XX/XX/23 LexisNexis received the letter XX/XX/23 Received letter from LexisNexis stating that they researched with XXXX but did not verify with XXXX XX/XX/23 Contacted Pacer to inquire if they verified the information for LexisNexis XX/XX/23 Received email stating that XXXX  provides access but does not verify for LexisNexis XX/XX/23 Sent a 2nd letter to LexisNexis requesting removal of the bankruptcy on my consumer report as they did not receive verification from Pacer and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 2nd letter Never heard anything back from LexisNexis XX/XX/23 Sent LexisNexis a 3rd letter requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 3rd letter The response was that they could not verify my identity, which again is false as it's clearly shown in the letter attached. 

I then sent a follow-up letter to again verify my identity and request that they remove the item that they did not legally validate and their response has absolutely nothing to do with my request. They are using these stall tactics to avoid doing what they are legally required to act upon.
Product: Debt collection

On XX/XX/2020 I received a letter from LTD Financial Service XXXX XXXX regarding a debt owed to XXXX. I subsequently sent them a debt validation Letter on XX/XX/2020. On XX/XX/2020 at I received a call at which time I informed them that I sent in a letter requesting debt validation and told them not to call me until they received and responded to the request. On XX/XX/2020 at XXXXXXXX XXXX and XX/XX/2020 at XXXXXXXX XXXX   I received calls regarding the debt and the individual was very rude on the phone. In addition to the above mentioned calls, I received another call on XX/XX/2020 at XXXX. This violates multiple sections of the Fair Debt Collection Practices act. Specifically calling after they have been asked to stop and also attempting to collect a debt until they have satisfied my request for debt validation. LTD has been repeatedly sued for violations of the FDCPA with these exact practices. I am entitled to request in writing debt validation under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX TransUnion refused to remove it. 
I even filed a Fraud report with the FTC. They must remove it immediately. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it.
Product: Money transfer, virtual currency, or money service

I do not remember the dates vaguely but I know that I have had several issues with Cash App regarding my money and tried to reach out to several reps and they tell me to hold on and then they hang up on me. I even request to speak to supervisors, and they kept telling me that they wasnt available and then when I finally spoke to someone up here and there they told me that it was nothing that they can do about my money, not being available or showing up on my Cash app
Product: Credit card or prepaid card

chase contacted me and was offering a 70 % paying {$1500.00} reduction in balanced owed but the payment is to high for me to pay in 3 months @ XXXX $ - i asked to extend it to 4 months to bring price down to {$380.00} for me to afford payments and they will not
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Equifax : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within XXXX mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting
Product: Credit card or prepaid card

I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.
Product: Student loan

After I graduated college in XX/XX/2014, I had problems finding employment for a year. Despite being unemployed I had to pay XXXX XXXX in order to put the loan on deferment. I had to pay {$150.00} dollars every three months for a year. After my deferment period ended, I informed XXXX XXXX I could not afford the {$500.00} dollars monthly payments. The company refused to work with me and reported late payments on my credit report. XXXX XXXX late payments is effecting my life in a negative way. Despite me having a great credit score, I  can not apply for mortgage or new lines of credit. In the past I have submitted dispute letters to remove the late payments, but the company refuses to do it. I really tried my best to work with the company and because of their unfair practices I am suffering emotional. I feel the company has unfair practices, other student loan companies does not require individuals to pay for deferment and once you run out ; you must pay the amount each month. Many former college students are going through the same abuse and harassment from XXXX XXXX. I feel the government should regulate XXXX XXXX unfair practices because they are damaging many consumer lives.
Product: Debt collection

I called AD Astra today in regards to a XXXX XXXX debt on my credit for {$1100.00}. XXXX w/AD Astra told me that my account was sent to an attorney named XXXX XXXX XXXX on XX/XX/2018. I spoke w/XXXX  at XXXX XXXX XXXX   office and he told me that I was served in XXXX of XX/XX/2018. There's a judgement date of XX/XX/2018 in the amount of {$2500.00}. Had I been served, I would have attended the court date. I was never served at all. I do not have any notices that this account would be sent to a lawyer. I have never been served in my life and the process server is lying. I am asking that this judgement be reversed as there was no proper service and AD Astra needs to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fico score went down within 2 days from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Transunion for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS