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

Equifax/Equifax credit bureau removed the reinvestigation remark after my first complaint. Today I received a notification they added the same remark on the same account for XXXX XXXX XXXX. This is very frustrating because I have proof they are not reading my complaints by their actions.
Product: Credit card or prepaid card

On XX/XX/22 I paid {$130.00} for 4 international seats to fly on XXXX XXXX. I picked 2 regular seats and 2 exit row seats. I had the worst experience flying from XXXX to XXXX on XX/XX/XXXX. For starters my seat would not recline back. And in addition the passenger in front of me had no mask on and without consideration reclined back his seat for the whole 8 hour trip. I alerted the flight attendant and she confirmed and acknowledged that my seat was broken and offered to do nothing to correct my comfort. Since my layover was 4 hours in XXXX. I went to customer service and asked if I can upgrade my flight to Business Class due to the issues of my seat being broken. They initially quoted me {$200.00}. And under the assumption of the quoted price of {$200.00}. I agreed to pay {$200.00} for a 2 hour Business Class seat and prayed that my seat would recline back for my comfort. But once I got to XXXX I noticed that my credit card was charged {$1100.00} on XX/XX/XXXX. I immediately reported fraudulent activity to TD Bank. I also filed a complaint on XXXX XXXX site as well. Neither parties had did nothing to assist this wrongful issue. I reached out to TD bank. Who in turn left me on hold for over an hour twice then proceeded to disconnect out of no where without getting any resolve. I filed a dispute and they finally said that XXXX XXXX was in the right for charging me {$1100.00} for Business Class. After I explained to them that they had the receipt in written in XXXX and the only language that I know is English. Checking in on XX/XX/XXXX and verifying my two Exit row seats. I noticed they deleted my seats I paid for in the system. I spoke to them at the airport and they were very very nasty and unapologetic about what had happened and did nothing. So Im supposed to let them charge me for seats I didnt pick and let them get away with it? I called TD banks numerous times to reopen both disputes and both times they said a manager would call me back. This is day 6 and no one has responded back to me. TD Bank is the most unorganized and unprofessional credit card company I ever had to deal with. 

The whole process from me booking my flight with TD Bank with my reward points and for them not to be able to upgrade me to business class like I asked in XXXX has been a disaster. They kept giving me the run around telling me to call XXXX XXXX and XXXX XXXX  telling me to upgrade with TD Bank Rewards Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I applied for a small business line of credit with JPMorgan Chase in XXXX, Virginia. I was told the line of credit would be personally backed and so my personal credit would be checked. On XX/XX/XXXX I received a phone call from XXXX XXXX from JPMorgan Chase advising that my application was denied. After 3 weeks of awaiting formal notification, I returned to the branch in XXXX, VA, and asked for a decision letter. 
A letter was quickly drafted, back-dated XX/XX/XXXX, printed and handed to me. It cited the reasons my application was denied were based on personal revolving balance limits, personal credit history, debt on personal revolving accounts, and recent personal account opening. 
The letter went on to state the bank had relied on information from XXXX and XXXX in making its decision. I explained that XXXX & XXXX had commercial credit information and would not have been able to provide the personal information the bank claimed to have used to make the decision. I was referred to XXXX who told me ( by phone ) that they had also used my credit report from XXXX. I asked for a letter stating that so I could review the information XXXX  had provided on me and challenge it. I was referred to XXXX 's supervisor, XXXX XXXX, who told me a letter would be sent in about 5 days. The letter did not arrive. 6 weeks after JPMorgan Chase made the credit inquiry, XXXX left me a voice mail advising that the underwriters would not write a letter stating they had relied on information from XXXX   because the line of credit was for a business. He advised that I should contacXXXX XXXX directly to challenge information on my credit report. I tried contacting XXXX   to request the information provided to JPMorgan Chase, but can not access that information without a denial  letter from Chase.
Product: Credit reporting or other personal consumer reports

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, TransUnion, and XXXX. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit report XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Credit card

In XXXX of XXXX my online account information was stolen. All information for my account was changed. This included a fraudulent email address ( XXXX ) and a phone number ( XXXX & XXXX ) that was not mine. The person requested a credit card. Synchrony bank sent a credit card to an address that was not mine, nor has it ever been mine on XX/XX/XXXX. This address is XXXX XXXX XXXX XXXX XXXX Al XXXX. The person received the card and went on a spending spree. I was not notified of anything because all notifications were being sent to them. I found out about these transactions months later due to my credit report. During this time, my XXXX XXXX  account was also compromised and the person attempted to take over {$6000.00} from my account. I found this immediately and closed the account. I reported the problem to synchrony as soon as I found out from my credit report. I filed a fraud claim, which synchrony bank turned down. I have filed a police report. I have given my bank information and the closure of that account due to the fraudulent activity. I have identified all charges that were not mine. The physical card that was used was never in my possession and was mailed by the company to an address that has never been associated with me. Since the first fraud claim was turned down, I have filed XXXX more times and I have been turned down. The company claimed that reason for the claim getting turned down is that the card was asked for from a verified number. That was not my phone number, nor has it ever been. I have turned over all paperwork to the company, Including the police report. I have requested to hear the recordings of where I have called and talked to a representative. On XX/XX/XXXX I requested to speak with an investigator for the fraud department and I have heard nothing. On this date I also verified that they received the police report and information from regions. I have repeatedly asked the company to tell me what to provide for them to prove these are not my charges, and they will not provide me with anything. They will not assist me in any way resolve this issue. 
This has negatively impacted my credit score.

Below Im attaching a copy of the following : All charges from this incident and my report to Synchrony. 
The police report. 
A written statement of unauthorized activity from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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: Debt collection

Alleged Debt account number with Rent Recovery Solutions # XXXX I have tried to no avail over the last 3 years to have this debt removed from my credit report. I have practically begged this company to remove it and they just ignored me. 

Their only response has been if I am a victim of identity theft provide a police report and they will remove it. 

I even complained with the CFPB last year I will provide the complaint number at the end of this file. 

Last year I did not know my rights ; this year I do because I studied the Code of Federal Regulations. 

I affirm that I am a Natural Person and a Consumer.

I affirm that Rent Recovery Solutions has not provided Proof of Contract.

In the evidence I provide I show exactly which Laws they have broken.

I affirm each law that they broke point for point in my Affidavit of Truth that I have provided as evidence. 

I have sent all this evidence to Rent Recovery Solutions and I am currently in step 2 of an Administrative Process. Again I am contacting the CFPB because I know when I file a lawsuit the administrator Or Judge will ask how I have tried to reconcile this matter. 

I am exhausting all avenues of remedy, court is my last resort. After step three in this Administrative Process I will have a valuable claim. 

First and foremost Rent Recovery Solutions, llc has violated my 4th admendment rights.

I have the exhibits as proof. Rent Recovery has violated 15 usc 1692 j ( a ) they are using abusive and deceptive debt collection practices by reporting inaccurate information on my XXXX Report and has been reporting it for three years.

My main bone that I have to pick is Rent Recovery Solution, llc 's violation of 15 USC 1681 s ( 2 ) ( b ) ( i ) ( ii ). They are reporting inaccurate information on my Consumer Credit Report but they never verified by providing a proof of contract which I asked for several times.

I will be suing for Title 15 violations as well as damages. The amount I plan to sue for based on violations is {$340000.00}. I have attached the bill of particulars that I sent to them as well. 
My original complaint number with the CFPB from last year is XXXX submitted on XX/XX/XXXX of last year.
Product: Debt collection

This lady called XXXX from XXXX XXXX has contacted me about a debt I have already paid. I asked for an address so I can send her a letter requesting for cease and desist of contact by their office. She then stated they have many locations and hung up on me. This lady has harassed me for over a month now. Just yesterday she contacted my mother and sister. This has gotten out of hand and very unprofessional. I have saved her messages and the number she has called from. My family members also saved her messages and number she has called from. As mentioned, I paid this debt and told here this. XXXX XXXX XXXX still continues to harass me and my family.
Product: Credit reporting or other personal consumer reports

I have been reaching out to Equifax since XXXX asking for incorrect information, addresses, names and phone numbers.As recently as XXXX, XXXX and XXXX, XXXX and XXXX I emailed and called there Executives.Including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and several others. I have the copies of each email and recordings of each voicemail and each letter I sent that went unanswered.The only response I have gotten is to send the information in.Which I have done also and have copies of all the letters. Sending it in, emailing or calling they refuse to correct any information, yet I gave a colleague their email addresses and they fixed her issue that day. I have asked her for a copy of the email that shows them immediately contacting, apologizing and resolving her issue., I have been going through this with them for almost 7 years and it is being done intentionally. I sent proof to them when accounts were compromised and mines was one of them.Nothing was done.I lost over XXXX points off my credit score and continue to do so and they continue to intentionally do nothing. I have media reporters that taped my voicemails left for the executives and the media conferenced calls and they didnt respond. The media has agreed to do a investigation as this is definitely prejudiced against my race and or sexual orientation. This is inexcusable and being done intentional to cause me harm mentally, physically, emotionally and financially. The other agencies have updated my credit but I still have not got my score back to where it was because of this inaccurate information and there refusing to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$420.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and incomplete information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate and remove any erroneous entries. 

Upon reviewing my credit report, I noticed that certain items are either inaccurate or incomplete. Specifically, [ mention the items in question, including account numbers, dates, or other relevant details ]. These entries do not accurately reflect my credit history due to [ mention why these items are inaccurate, incomplete, or how they are linked to a data breach ]. 

Additionally, I was affected by the [ mention the name of the breach ] data breach, which exposed my personal information to unauthorized parties. The breach involved sensitive data, including [ list the types of exposed data ]. I request that any records linked to this breach be thoroughly reviewed, corrected, or removed from my report as the entries may have been compromised. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX  ) : The U.SXXXX Supreme Court held that consumers have the right to accurate and complete information in their credit reports, and if the information is inaccurate or incomplete, the credit reporting agency must correct or remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court ruled that under the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the data they report, and that failure to do so could lead to the removal of inaccurate entries. 

FCRA Section 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and completeness of the information they report. Any items that can not be verified or are proven to be inaccurate must be removed. 

I request that you provide me with written confirmation once this dispute has been resolved. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with the FCRA and remove the inaccuracies accordingly. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase debited my account and still has not made the funds available. It has been two weeks. My bank account has been debited but I cant get any support from them. Apparently this is common with them and CFPB is the only way to get them to do anything.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my credit file. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the fraudulent items. 
Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Vehicle loan or lease

I submitted an application for hardship and was approved for a payment reduction. Nevertheless, they consistently reported my payments as late, despite the fact that I was submitting them on time, throughout the duration of the reduction. The delay was due to the fact that I was compelled to utilize my bank account for payments, which required seven days to be processed, as debit card payments were not an option. This adversely affected my credit, despite the fact that I made payments on time.

Furthermore, this circumstance has affected one of my vehicles, which I am currently attempting to sell. The car 's value decreased, which further complicated the process of selling it, while the interest rate on the loan rose. They have been unhelpful in negotiating the interest, as the majority of my payments have been allocated to interest rather than principal.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.