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

On XX/XX/XXXX and XX/XX/XXXX, I booked a flight for ( 14 ) people from XXXX to XXXX leaving on the morning of XX/XX/XXXX with XXXX XXXX. The charges were {$940.00} from XXXX, {$310.00} from XXXX, and {$240.00} from XXXX. The airline charges were then charged to my card in ( 12 ) {$100.00} increments and ( 2 ) {$120.00} increments by XXXX XXXX on the week of the XX/XX/XXXX. 

We were to spend a half day in XXXX, then a full day in XXXX, then another half day in XXXX, before heading back to XXXX on XX/XX/XXXX. I purchased the tickets and paid in full with my Chase Sapphire Preferred credit card. 

On XX/XX/XXXX, the airline sent emails saying all of the tickets were " Exchanged '', and the flights had been moved to XX/XX/XXXX, and the returning flight moved to the morning of XX/XX/XXXX. ( leaving about 8 hours from XXXX  to XXXX in XXXX XXXX. 

I contacted the airline, and have multiple emails trying to work out the problems. For 2 months they told me that they would give a full refund, that they were processing the refund, etc. and then cut off all communication. 

I contacted Chase in late XX/XX/XXXX and asked for a chargeback, as I had paid for the entire trip with my Chase credit card. Everything was moving correctly, I submitted the emails, XXXX refund policy, and the regulations on changes greater than 24 hours, and the agent on the phone said the chargeback was temporarily approved ( pending a final judgment ). They called back in about 30 minutes, however, and said that since my call was outside 6 months from the transaction date, no chargeback could be approved. 

I felt this was unfair a transaction should involve purchasing and then receiving what was purchased. These were not delays they substantially changed the trip I thought I was purchasing. 

I believe Chase markets their chargebacks as a protection against unfair business practices, and as such has a duty to protect against merchants that do not deliver what was purchased. 

Even further, XX/XX/XXXX ( the day the airline exchanged the tickets and changed the flights/dates ) should have been used as the transaction date, as the transaction had been significantly altered, and I was forced to accept new terms.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXXXXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I believe XXXX began charging me for my XXXX loans while I was in XXXX school before I graduated in XXXX. I also am sure that they were accruing interest the entire time I was in school, as you can see from them charging me late fees and monthly expenses before XXXX. They never told me about alternative student loan payment plans, even though I was paying while working part-time in school, because I believed I had to. I believe they lost me thousands of dollars in the early days of my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has a tv commercial that shows a couple looking at buying a house, and the person helping them - infers it 's a Realtor or mortgage person - saying " all we need to do is check your credit score. '' - then showing a credit score and the person says " It 's yours. '' Credit Karma does not show a lending score and the commercial is misleading, inferring that you can expect to get loan approval with a credit score from Credit Karma. This is totally untrue as almost all mortgage lenders look at credit scores from XXXX, XXXX and XXXX, all of whom use generation 6 FICO credit scores, as part of their lending approval process. This puts the mortgage company in the uncomfortable position of explaining the difference to the potential borrower, especially since Credit Karma has misled the public with this commercial. They should be sent a cease and desist demand immediately and fined for their misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX and XXXX did a recheck on my background it was done by checkr I had a XXXX XXXX   XXXX in the past I don't like the life of being gone all the time XXXX   XXXX  so I decided to let my XXXX go so I didn't turn in a dot physical the last time it was due so on my mvr I has a disqualification on my XXXX part of my mvr for medical noncompliance and checkr keeps putting it under violations I have had 2 reinvestigations done and sent them stuff from the BMV and they are still putting it under violations when it is not a violation it's a disqualification on a class a XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( XXXX  ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, XXXX  ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX permissible purposes requirements.
Product: Debt collection

Debt is a result of identity theft Midland credit management Account # XXXX Opened XX/XX/2021 Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.
Product: Debt collection

The caller identified himself as someone from a debt collection agency ( unnamed ) and said my daughter owed {$250.00} to XXXX XXXX XXXX XXXX through named doctor who she had seen and had had outstanding debt at one time, so I thought it was legitimate. They had an old address for her, so I gave them her new address and phone number. I also told them we would need a copy of the bill. He agreed to send it and a settlement letter with a reduced amount ( red flag ) to my email, which I gave him. A little internet research indicates this is a scam. I did not provide SSN or credit card info. 

Caller 's name : XXXX ( with a strong XXXX accent ) Called my mobile phone from : XXXX ( says XXXX, TN ) He told me to have them call her at : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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
Product: Mortgage

I have been in poor health since XX/XX/XXXX. I fell behind on payments. I can not repay all missed payments at one time. 
Loan servicing was sold to Wells Fargo XX/XX/XXXX. 
Wells Fargo approved a forbearance on XX/XX/XXXX. But they did not rescind the default, and they are continuing with foreclosure proceedings. 
I again reapplied for a forbearance on XX/XX/XXXX, but that was denied. 
A notice of default was posted XX/XX/XXXX. 
A notice of sale was posted on XX/XX/XXXX. Sale date is XX/XX/XXXX. 

I am requesting Wells Fargo to followup with the forbearance they approved, and to stop the foreclosure proceedings.
Product: Mortgage

I refinanced the mortgage on my home in XX/XX/XXXX. PMI was automatically scheduled to fall off the loan in XX/XX/XXXX. It is still being charged on my current statement for payment due on XX/XX/XXXX. Further, I pay additional principal every month and I am 20 payments ahead of schedule. I am at payment 51 as to amount of principal left and PMI was scheduled to come off at payment 31. Meaning, my loan balance dropped below 78 % - when PMI should automatically terminate - over a year ago and has yet to be removed. I called Flagstar Mortgage about it in XXXX and again today to no avail.
Product: Debt collection

XXXX XXXX XXXX is listed on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that was Financed through XXXX XXXX XXXX XXXX which was already paid and account was closed requested removal. Banned Debt Collectors per the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts showing on my credit file. It has been 2 months and I still haven't received results of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES ARE STILL ON MY CREDIT REPORT AS OF TODAY XX/XX/2022 EXPERIAN IS LYING HERE IS THE PROOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My EXPERIAN report number is XXXX THESE INQUIRIES have 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 an account without my written instructions also let me remind you the FCRA says I will be compensated {$1000.00} per offense
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.
Product: Debt collection

This company Enerbank started contacting me I think sometime in XX/XX/year> stating I owe them {$11000.00} which I had no knowledge of I disputed this account several times and it keeps reporting on my credit reports
Product: Credit reporting or other personal consumer reports

This account was open on the following day of XX/XX/XXXX there are no on time payments from XX/XX/XXXX til now XXXX XXXXXXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. TransUnion failed to investigate to investigate this account properly after I repeatedly asked to have this account updated our neglect once again Violated my consumer rights. I am demanding a deletion of the following account : Accounts name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I been trying to use my us bank reliacard for unemployment i been trying to set up and load for 2 days. We are totally broke and will be till fri which is 6 days away I tried sending transfer over phone, atm app deposit, filing for benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted numerous time my credit report agency and every time they would ditch me and give me an stupid excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a Credit Report Alert from my online XXXX XXXX XXXX provided by XXXX XXXX. This alert was sent because someone had made an unauthorized Credit Report Inquiry to XXXX for a credit card application that I knew nothing about and had NOT requested. 

When I contacted XXXX about this unauthorized credit report inquiry I was informed that JPMorgan Chase had made the request - without my knowledge. However, this unauthorized request resulted in my Credit Rating taking a XXXX hit, but XXXX assured me that no credit card was being issued and that my credit score would be corrected/ restored to its previous " Excellent '' rating. 

On XX/XX/2024, I received a letter from JPMorgan Chase requesting additional information that was required before they could approve my ( XXXX ) credit card request. Reference Number : XXXX. JPMorgan Chase wanted the following XXXX ( XXXX ) documents : 1. Proof of current physical address ; 2. Proof of Date of Birth ; and, 3. A copy of the letter ( referenced here ). 

On XX/XX/2024, I called XXXX, the phone number referenced in their XX/XX/XXXX letter, and I spoke with " XXXX '' who told me that my ( XXXX ) credit card request was being canceled and that he would alert their Fraud Dept. to investigate how this ( XXXX ) request had been initiated, and by whom. He further stated that I would receive a response from JPMorgan Chase Fraud Dept. within fourteen ( 14 ) days. After this discussion I ended our call by telling " XXXX '' that I was going to contact the Consumer Financial Protection Agency and report them for requesting and accessing my credit report unlawfully.

I know this is a lengthy response, but I do appreciate someone taking the time to read and act on this complaint as there may be XXXX more who are being targeted and having their credit scores lowered by these unlawful credit report requests. 

Thanks you!
Product: Debt collection

Company name : XXXX XXXX, XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX LVNV Funding, LLC. is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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: Consumer Loan

Ca n't pay late fee so they want repossession of the car and i told them i can cancel my gap and pay it but that 's not good enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I wrote XXXX convenience checks at the same time with a promotional rate of 2.99 %. Both cleared within days of each other and within the offer time. I paid a small fee on both for the " privilege '' of using these checks. I have been charged the promotional rate on XXXX check and 15.99 % on the other. I have called and spoken with representatives numerous times and have been told every time that the issue will be handled but it has not.
Product: Debt collection

lvnv funding has  a $  XXXX  open  collect on account  XXXX  on my   XXXX   credit report at  XXXX   XXXX  account.Open  XXXX  2015.This account was original own by  XXXX  who put it in discharge.I understood I had a right to put it in a  XXXX  with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid  for.this compa ny is trying to still my account and make me pay for it again. open  XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission
Product: Money transfer, virtual currency, or money service

Good Afternoon. My name is XXXX XXXX XXXX. I currently have a investment account open with Coinbase Pro to purchase crypto currency. On XX/XX/2021, Coinbase Pro listed a new crypto currency on their platform called XXXX XXXX in which purchased XXXX valued at {$3200.00}. Due to an internal error by Coinbase, XXXX XXXX was listed at the incorrect price. Please be advised that price was inflated accidently by ten times the correct price. Many investors including myself bought the XXXX XXXX on XX/XX/XXXX via Coinbase Pro not knowing that the price was incorrect and highly inflated. Coinbase Pro refuses to acknowledge and rectify an internal error that caused many investors to lose XXXX percent of their investment. Please note that incorrect listing of XXXX XXXX limited the amount XXXX I could purchase and negated the profit that I would have made. After submitting a complaint to Coinbase, they responded stating " Per our trading rules- XXXX A limit order will only ever fill at the specified price or a better ''. Coinbase has caused many users of their platform lose funds. Please note that Coinbase is trying to avoid accountability for internal error that caused many investors to lose money. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Inquiries : XXXX XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,
Product: Mortgage

Throughout the month of XXXX, I attempted numerous times through 45+ minute hold times, emails & faxes to obtain a payoff letter for a XX/XX/XXXX closing date. Payoff letter finally received and sent to title company. Closed on XX/XX/XXXX, wire sent from title company to Amerihome. XX/XX/XXXX, Amerihome rejects payoff amount and issues a new payoff letter $ XXXX more and wants interest accrued since XX/XX/XXXX. 
Nobody answers the phone - they literally say call volume is too high and won't answer. 
The title company is holding the funds and can not get in contact with anyone at Amerihome to communicate with.