23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On, or around, XX/XX/XXXX, XXXXChase bank released a targeted offer to select cardholders. According to this offer, select customers could earn up to XXXX bonus points ( valued at approximately {$100.00} at a rate of $ XXXX ) by booking a trip through chase travel. While the original offer page from Chase is no longer available, the following website notes the offer details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... targeted cardmembers can earn XXXX bonus points if they book at least two Chase Travel components with their eligible credit card consisting of both a hotel stay plus a flight, cruise or car rental '' " Cardmembers can earn an additional XXXX bonus points when booking XXXX or more travel components, including an additional hotel stay, cruise or car rental. '' " If they have not made any purchases through the Chase Travel portal since XX/XX/XXXX, cardmembers will earn an additional XXXX points, so a possible XXXX points in total for booking at least three travel elements through the portal. This bonus can only be earned once per cardmember during this promotion. '' " Cardmembers must activate and make qualifying purchases between XX/XX/XXXX and XX/XX/XXXX, and complete travel by XXXX XXXX, XXXX. '' At some point between the time the offer was announced and XX/XX/XXXX, I enrolled in the offer, as confirmed by my browser history page from XX/XX/XXXX showing 'Chase Spend and Get Offer Already Enrolled '. 


On XX/XX/XXXX, I booked a trip consisting of XXXX travel components ( per the requirements ) totaling {$240.00}. The trip consisted of a XXXX night hotel reservation in XXXX Oregon for XX/XX/XXXX, and a 3 Day Car rental for XX/XX/XXXX to XX/XX/XXXX. The purchase was completed on XX/XX/XXXX ( Which falls between the requisite XX/XX/XXXX and XX/XX/XXXX requirement ) and the trip was completed on XX/XX/XXXX ( Prior to the XX/XX/XXXX Requirement ). 


Thus, the trip fulfilled the XXXX component booking required for the extra XXXX points. Additionally, as this was the first time I had ever booked a trip through Chase Travel, I should have been eligible for the additional XXXX points as I had not made any purchases through the Chase XXXX XXXX since XX/XX/XXXX. In all, the trip purchase should have granted XXXX bonus points ( XXXX for XXXX components + XXXX for no purchase since XX/XX/XXXX ). 


On XX/XX/XXXX, I contacted Chase customer support via phone to inquire about the points as I had not seen them posted to my account. I was initially informed that I was ineligible because I had only booked XXXX trip-however this was not the criteria. The only criteria was the number of components which I had satisfied. I escalated and spoke with a Supervisor who said I would be contacted by mail with the result of their findings ( whatever they might be ). I asked for a reference number of some other way to identify my particular request/situation and was denied. As of XX/XX/XXXX I have had no communication from Chase in any form in reference to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported 3-60 day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Equifax is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to XXXX and XXXX. However, Equifax then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX  60 days late? Equifax again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring your attention to a dispute I initiated with the credit reporting agency, Experian, on XX/XX/2023. The dispute was raised to correct personal information inaccuracies present in their system, specifically concerning XXXX previous addresses listed in my profile that I am not associated with. I had sought rectification of these inaccuracies to ensure the reflection of my accurate residential history. 

As per my rights under 15 U.S. Code 1679c - Disclosures, I explicitly requested Experian to communicate with me solely via postal mail sent to my current address. I made this request due to concerns about the potential exposure to data breaches through electronic mail. Contrary to my explicit request and in violation of the aforementioned statute, Experian responded via email on XX/XX/2023 based on the disputed resultsA. This inappropriate handling of my personal data has caused me anxiety due to potential risks of data exposure. 

Subsequently, Experian denied my dispute, which I believe further violates 15 U.S. Code 1679c - Disclosures. They opted to retain the incorrect addresses on my profile, justifying their action by claiming my assertions were unverified. This process, in my view, has dishonored my words and concerns. 

Given these circumstances, I request the assistance of the CFPB to ensure that my personal information is accurately reflected in Experian 's records, my preferred communication method is respected, and that Experian complies with its legal obligations under 15 U.S. Code 1679c - Disclosures.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving discrepancies in my credit report across the XXXX major credit bureausExperian, Equifax, and TransUnion. I have noticed that they are not responding consistently to my disputes, and my reports are not being updated uniformly. 

Specifically, I have disputed late payments that should now reflect as current, yet each bureau is reporting differently. I am requesting that all three bureaus update my records to accurately reflect that all late payments are now up to date. 

I have attempted to resolve this matter directly with the credit bureaus but have not received a consistent or satisfactory response. Given the impact of these inaccuracies on my credit standing, I would appreciate your intervention to ensure proper and fair reporting. 

Attached, please find copies of my dispute letters, credit reports, and any relevant supporting documentation. I appreciate your time and assistance in this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Service, I'm writing to address an ongoing issue with my account ending in XXXX, which seems to be a persistent problem despite previous efforts to resolve it. On XX/XX/XXXX, your automated system erroneously sent charge-off information to XXXX. This action overrode my previous removal of the charge-off on XX/XX/XXXX. This issue has been recurring since XX/XX/XXXX. In your letter dated XX/XX/XXXX, you acknowledged that the balance in question was solely due to fees assessed on a previously XXXX balance account. Consequently, you reversed the charge-off and requested the removal of delinquencies from my credit file. Despite this, the charge-off information continues to be incorrectly reported. There appears to be a clear disconnect in communication between departments within your organization. The recurring nature of this issue suggests that your automated systems are not aligned with the manual corrections previously made. This inconsistency is causing significant frustration and undue stress. To rectify this situation, I urge you to take immediate action. Please ensure that the charge-off is permanently removed from my account and credit file, and prevent any further incorrect reporting. It might be necessary for someone to get in touch with the appropriate department to coordinate this fix, rather than relying solely on automated processes. Humans need to talk face-to-face, via XXXX, or on the phone to resolve complex issues like this. XXXX systems are clearly failing to address this ongoing problem effectively. I strongly suggest that a dedicated representative from your team take the initiative to personally go to the other department and ensure that this issue is resolved. It is imperative that a dedicated person takes ownership of this problem and communicates directly with the relevant department to prevent further errors. I've taken steps to resolve this on my own by contacting XXXX directly, but it is your responsibility to ensure the accuracy of the information you report. If this matter is not promptly resolved, I will not hesitate to start a class action lawsuit. I am likely not the only person experiencing this issue, and a class action XXXX be necessary to ensure that this problem is addressed for all affected customers. I expect a prompt resolution to this matter and confirmation that the charge-off has been permanently removed from my credit history.
Product: Debt collection

Despite several written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$420.00}. I am attaching the paper trail with Certified mail receipt.
Product: Credit card or prepaid card

It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet. 
I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers. 
The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval. 
The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.
Product: Credit reporting

XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!!
Product: Money transfer, virtual currency, or money service

I am reaching out to express my concerns with Zelle and the handling of Zelle disputes.particularly in the light of the recent cfpb lawsuit highlighting significant issues with the Zelle platform.despite using Zelle numerous times and reporting discrepancies my financial institute failed to properly investigate my claims. They informed me that recovering the lost funds was impossible and tracking these transactions was unfeasible. The Cfpbs finding indicate that Zelles have not only neglected to protect its consumers but also let repeat offenders exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Transunion, and XXXX are in clear violation of the FCRA where it states that bureau 's can not report while a dispute is under investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint against both Flagship Credit Acceptance and XXXX due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention.

**Account Name : ** FLAGSHIP CREDIT ACCEPTANCE **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed. 
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full.

Flagship Credit Acceptance is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt. 

Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping Flagship Credit Acceptances exploitative lending practices. 

However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days. 

Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.

I have undertaken several concerted efforts to dispute this misinformation.

While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.

I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments. 

This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.

Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
Product: Debt collection

Received a letter in the mail from Stuart-Lippman and Associates concerning a debt owed by the company XXXX XXXX XXXX XXXX of {$7800.00} ( File # XXXX ) to their client of XXXX XXXX XXXX .

I am not affiliated with this company or client and this is not my debt. 

I did call the contact on the paper ( XXXX XXXX ) and let him know this as well.

See attached file for letter.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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: Debt collection

Conns XXXX Appliance, charged off/settled in 2020, and have been claiming Ive missed payment for payments 4 years after the account was closed. After numerous times Ive reached out they have tried to extort money from me, and after I refuse they add changes to my credit report in order to keep something closed relevant. This has not only been damaging to my credit but has been a contribute factor to my personal growth, Ive tried working with them, but they have been extremely difficult, rude and unhelpful. Also the original loan amount was for {$2100.00} and it turned into over {$3700.00}. It was for around 2 years around {$4800.00} which is over double of the amount, which I confronted them and was unsuccessful. After using a credit team to try and solve this mess, they lowered it on my report, which proves they have no idea what they are doing.
Product: Checking or savings account

I deposited a check XXXX $ for my brother like I have before on XX/XX/XXXX debit card XXXX Citibank and a few hours later my account was blocked, they first said I tried to cash it twice then they said it was a bad check then they said since it was a third party check. I am not getting straight answers and gettin Treated like a criminal even tho something like this has never happened. They havent closed it yet but they are saying thats whats probably gon na happen. I just want to keep my account and have everything be normal again
Product: Debt collection

They keep calling me on my personal phone and at work. Then they will call and hang up sometimes.
Product: Vehicle loan or lease

I use XXXX XXXX to frequently help with paying off old debts and when I looked to get an update it showed that my auto loan through Santander consumer balance increased by XXXX to my loan between the month of XXXX and XXXX, I purchased my vehicle at the end of XXXX and my first payment was due XX/XX/XXXX and I called trying to see why XXXX dollars was added to my loan and they just kept telling me my current balance and kept saying I wasn't charged an additional XXXX dollars even though I made my payment on the XX/XX/XXXX and was not late and the balance reflects the dis charge an extra XXXX dollars is this legal.
Product: Payday loan, title loan, personal loan, or advance loan

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : UPSTART NETWORK INC. XXXX
Product: Credit reporting or other personal consumer reports

XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.