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

I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/XXXX with complete attachments of my XXXX information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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: Credit reporting or other personal consumer reports

There are Inquiries on my credit report that I did not authorize I made a report to 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 XXXXXXXX Global Lending Service XXXX Global Lending Service- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and LexisNexis concerning fraudulent activity on my consumer profile but have yet to receive a response. I have provided my FTC Report, state ID, Social Security card, proof of address, and a letter detailing the specific items resulting from the fraud. Please ensure a block is placed within four days of receiving this correspondence. The letters will be attached to this complaint, and all documents will be sent via the United States Postal Service. This company is in breach of 15 USC 1681N, and these fraudulent accounts must be removed within four days as stipulated by 15 USC 1681C-2. 
XXXX Case Number : XXXX REMOVE FROM MY CONSUMER REPORT XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  XXXX Account Number : XXXX Remove from consumer report 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXXXXXX XXXX XXXX Account Number : XXXX REMOVE FROM MY CONSUMER REPORT Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached ALL the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX  Thank you, XXXX XXXX XXXX
Product: Debt collection

Debt collector is attempting to collect a debt which is being disputed to the original company. 

I have never received a written explanation and description of the debt
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States CXXXXe Law ( TILA XXXX U.S. Code XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against American Express and XXXX XXXX for Annual Choice Award Issue Dear Sir/Madam, I am writing to file a complaint against American Express and XXXX XXXX for XXXX issue related to the Annual Choice Award associated with my XXXX  XXXX account. I have attempted to resolve this issue with XXXX XXXX customer service, but their response has not been satisfactory. 

As a XXXX XXXX XXXX  XXXX XXXX and a longtime customer of American Express, I recently reached 50 nights and became eligible for an Annual Choice Award. I chose the XXXX  Elite Night credits option ; however, due to a technical issue with the XXXX XXXX website, my choice was incorrectly recorded as XXXX XXXX XXXX Upgrades. I immediately noticed the error and contacted XXXX XXXX customer service within 5 minutes of receiving the confirmation. 

The customer service representative informed me that the issue would be escalated, and I hoped for a timely resolution. Unfortunately, I received an email from XXXX XXXX XXXX XXXX, which stated that they could not exchange the Benefit selection as all Annual Choice Benefit selections are final and can not be changed after the selection is made. This response is unacceptable, as the error was due to a technical issue on their website, and I contacted them immediately after the confirmation to rectify the mistake. 

As a loyal customer of both American Express and XXXX XXXX, I believe that it is reasonable for them to simply switch my Annual Choice Award to the 5 Elite Night credits that I initially chose, instead of the 5 Suite Night Upgrades. 

I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this issue. I believe that a fair resolution would be for American Express and XXXX XXXX to honor my original selection of the 5 Elite Night credits and update my account accordingly. 

I have attached a copy of the email I received from XXXX XXXX XXXX XXXX for your reference. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your attention to this matter. 

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

I was a victim of Identity theft. NYPD police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I did not file for unemployment yet I have now received a XXXX XXXX XXXX/XXXX  card and have been unable to contact the state or card issuer ( US Bank ) to discontinue this process. Please help.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in dates of ( XX/XX/2023 ) ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updates to paid on as they should be due to that I was never late. Thank you very much. Please see screenshot attached.
Product: Checking or savings account

Re-requested refund via email XX/XX/XXXX per XXXX XXXX PDF which was replied to by XXXX XXXX stating " I am still not able to issue a refund of the interest that would have been earned if the account was to have been kept open. There is not an option to make an exception to this and we will not be issuing a refund. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX  account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the FCRA
Product: Vehicle loan or lease

I returned my XXXX XXXX XXXX to the Volvo dealership on XX/XX/XXXX. Volvo Car Financial Services ( " VCFS '' ) still hasn't acknowledged this and has sent letters saying that I am delinquent and is making false reports to the credit agencies that my lease balance is past due and delinquent.
Product: Mortgage

XX/XX/19I set up auto pay online with my mortgage company to start XXXX and received an email confirmation and an on screen confirmation of the start date. I made an online payment XXXX for {$1200.00} to be current for XX/XX/XXXX's payment. 
XX/XX/19I received notice from my bank that an auto draft came out from my mortgage for {$1200.00} which was a duplicate payment as they were not authorized to start until XXXX. 
I contacted the company and made them aware of the situation of the draft in their error and asked for a refund as it put me in hardship as I am paycheck to paycheck. The customer support line said they would put in a request for refund and should occur within 7 days. 
I called for status updates and spoke with several supervisors who were of no assistance on when someone would look at my case. I requested the escalation team of which over a dozen phones calls nobody is able to give me with confidance anything is being done. The entire company is based off of email and all I keep getting is we emailed them with no updates. 
XX/XX/XXXXI finally was told that they would auto credit my account as that was how they took the funds. I didn't receive refund after 3 days and called back with it was mailed as paper check and now once I get it would be held by my bank for 10 day ensuring me that 7 days I would get the check. After 10 days with no funds I called the escalation team and they said we don't even know if it was mailed we will email someone ... .I was then told that they would request to stop payment and have someone overnight me a check again they would have to email someone nobody can call anyone or transfer all done by email to the dept XX/XX/XXXXcalled for updates daily and now I was told today that they re-issued a check and that dept didn't respond to the email the escalation dept sent and regular mailed my check ... ..still waiting and no assurance of my money they took without my permission. The customer support was unacceptable with no assurance that it would be handled. Everyone passed the buck to an email response. I used to be with XXXX XXXX and they sold us to Specialized Loan Services ... has been a horrible experience
Product: Credit card

My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to get this matter resolved and I was unsuccessful in getting them to remove it. I explained to them my identity was stolen and I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. 

According to the FCRA, my credit report must be accurate and I definitely didn't apply, authorize, or give consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from Trans Union, XXXX, and XXXX Must Be removed and deleted immediately as follow : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States 2 : It also a consumer reporting agency can not furnish an account without my written my written instructions. 

Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Vehicle loan or lease

I purchased the vehicle from Carvana on XX/XX/2023 and had a scheduled pickup date of XX/XX/2023 at XXXX to bring my trade in and pickup my new XXXX XXXX. 

Today at XXXX Carvana emailed me that my XXXX was at a stop in California and 75 % of the way there from the origin of Arizona XXXX Then, less than 20 minutes later at XXXX I received an email from Carvana that there's been a delay and that they have rescheduled my pickup for XX/XX/2023 at XXXX. 

This is the 3rd vehicle I've purchased from Carvana, and the 4th attempt ( what would have been the 3rd purchase I ended up cancelling due to a delay ). Every purchase from Carvana has been delayed with no explanations and is a definite pattern that has developed in luring customers in with a promised date, only to be delayed numerous times. 

It is unreasonable to expect that my vehicle could be transported 75 % of the total distance from Arizona to Oregon within 3 days, and then suddenly take over 10 days to make the final 25 % of the trip from California to Oregon. 

Despite that the vehicle is now in California, and likely be in Oregon by this weekend, they are rescheduling me for over 10 days later to pickup as they claim this is their soonest available pickup time. 

As I purchased prior to others, they are failing to make my purchase priority over others so I can come pickup once the vehicle has arrived in town. 

In addition, every advocate from Carvana I speak with refuses to forward my complaint to upper management. 

For this particular purchase, I had to pay {$1700.00} for transportation costs, and am told that despite their inability to deliver the vehicle in a timely manner as promised, that should I decide to cancel the purchase, I am still required to pay the transportation costs. 

In my researching the issue online, this appears to be not only a pattern that has developed with my purchases through Carvana, but also a trending pattern that many other customers of Carvana have been consistently experiencing.
Product: Money transfer, virtual currency, or money service

I've been with coinbase for almost a year and never had any trouble transfering money. 
A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about 70 times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about XXXX in XXXX on this account. So i would like to be able to manage my account. 

The verification doest work, coinbase says that my date of birth doesn't match the one on my id, drivers license or passport. But it does. I've changed the information on my profile plenty of times and again without succes. Even got a new drivers license but without luck. 

Hopefully you guys can help me out. 

Kind regards
Product: Credit card or prepaid card

Hi, We booked round-way flight tickets for our family of XXXX through Chase Travel with Chase Reward points, and the remaining balance using our credit cart on XX/XX/2021. The total amount of the tickets was {$1400.00} ( paid by {$320.00} and XXXX points ). The flights were with XXXX XXXX ( XXXX ), and the departure date was Fri, XX/XX/2021, from XXXX to XXXX, and the return flight was on Fri, XX/XX/2021, from XXXX  to XXXX. 
On XX/XX/2021, the day before our departure, XXXX notified us that our departure flight was canceled. We contacted Chase Travel immediately and was told that XXXX ) they didn't receive any notification on their end that the flight was canceled so they wouldn't do anything for us XXXX ) they asked us to contact XXXX directly for information XXXX ) they couldn't guarantee the refund on the flight canceled by XXXX because they didn't get the information. Therefore, we contacted XXXX directly, and UA said they would process our refund due to the flight was canceled by the airline. On XXXX of XX/XX/XXXX, about XXXX hours after our flight was canceled, we received an email from Chase Travel saying the flight was canceled, but didn't mention anything about the refund. 
XXXX processed our refund for the departure flight on XX/XX/XXXX, and the refund was completed on XX/XX/2021, and the total amount was {$740.00} ( $ XXXX for each ticket ), and the refund amount was returned to our original payment method. 
In the whole process, since our flight was canceled, till today, we have been calling Chase Travel for many times, and each time the customer agent told us different things, some said XXXX took control of our flights, some said they were not sure about the refund, some told us to contact XXXX etc. We needed to wait hours for one call but couldn't get anything solved afterwards and we were very frustrated. We have confirmed from XXXX that they have issued the refund oveXXXX XXXX  weeks ago but Chase Travel refused to verify that they received it ( the customer service agent said they had no access to that ), and they declined to take the proof of XXXX refund. The last time they told me is, it will take up to 2 billing cycles, but they don't know when is the last day of the future 2 billing cycles and all we can do is to WAIT WAIT and WAIT! This is completely a FRAUD and WORST CUSTOMER EXPERIENCE EVER!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT : XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX XXXX  XXXX # XXXX ACCOUNT : XXXX XXXXXXXX # XXXX - 15 U.S.C 1681 sec 602 A. States I have the right to privacy.

-15 U.S.C 1681 c ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

-15 U.S.C 1681-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITEM : XXXX XXXX XXXX OPENED XX/XX/2020 I HAVE DISPUTED THIS INQUIRY AND STILL HAVE NOT GOT IT RESOLVED According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ].
Product: Checking or savings account

Chase Bank holds funds longer than the listed time of 2-5 business days on every deposit going into my account. This institution also does not make at least {$220.00} available for withdrawal or check writing by the next business day. 

Local Check Deposit From National Banker Association Deposit on XX/XX/XXXX current hold time XX/XX/XXXX {$7100.00} Local Check from XXXX XXXX  Deposit on XX/XX/XXXX held for 7 Business days {$6200.00} Cashiers Check XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX funds released after calling XXXX XXXX to verify funds after 5 Business Days. {$2000.00} Local Check from XXXX XXXX  Deposit on XX/XX/XXXX held for 7 Business days {$3000.00} and {$4000.00} Recurring Customer Deposit Local Check from XXXX  XXXX  Deposit on XX/XX/XXXX held for 7 Business days {$8200.00} Recurring Customer Deposit