23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date of XXXX Last 4 of SSN : XXXXXXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Experians XXXX to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX Account XXXX Disputed Issue : incorrect late payment Account Name : XXXX XXXX Account Number : XXXX Disputed Issue : incorrect late payment Account Name : XXXX  XXXX Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : XXXX XXXX  : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information. 
FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I would like to file a complaint regarding Chase Bank 's unwillingness to uphold the terms of its Trip Delay Reimbursement policy. [ See attachment 1 - Chase Claim Correspondence ] According to their Trip Delay Reimbursement policy [ See attachment 2 - XXXX XXXX XXXX ], Chase Bank should reimburse me for the XXXX XXXX reservation that I missed due to a trip delay caused by XXXX. 

My original flight itinerary with XXXX was scheduled to leave on XX/XX/22 at XXXX. [ See attachments 3 - Original Boarding Pass, 4 - Original Flight Itinerary ] However, XXXX had to rebook my flight last minute from XX/XX/22 at XXXX to XX/XX/22 at XXXX. [ See attachments 5 - Flight Change Itinerary, 6 - New Boarding Pass, 7 - XXXX  Flight Change Statement # 1, 8 - XXXX Flight Change Statement # 2 ] This 24 hour trip delay caused me to miss my hotel reservation with XXXX XXXX on XX/XX/22. [ See attachments 9 - XXXX  XXXX  Booking Email Confirmation, 10 - XXXX XXXX Booking Receipt ] Chase Bank 's Trip Delay Reimbursement policy states that if you get delayed for more than 6 hours, or you require an overnight stay, you and your family are covered for up to {$500.00} per ticket for reasonable expenses " including but not limited to meals, lodging, toiletries, medication, and other personal use items. '' I didn't receive XXXX XXXX 's services due to the trip delay caused by XXXX. I have reached out numerous times to Chase Bank representatives regarding honoring their policy, and acted in good faith in providing them all the information they requested. 

Since Chase Bank 's trip delay reimbursement policy covers lodging, I would like Chase Bank to reimburse my account with {$200.00} for the XXXX transactions I made with XXXX XXXX. 

Thank you.
Product: Debt collection

PORTFOLIO RECOVERY A I XXXX - XXXX is listing an account as XXXX XXXX account ton my XXXX report. My social ends with xxx-xx-XXXX, the  account is not mine and has a different social and name. XXXX XXXX removed it last year and now it appears again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, a credit card company, which operates as XXXX presented and sold to me a ticket labeled as " business class. '' I bought this ticket on XX/XX/XXXX for my honeymoon to XXXX in XXXX, XXXX. I soon found out that part of the trip was actually an economy trip, and was not a business class trip, as originally presented to me. I would not have bought this ticket if I had known that. I escalated this complaint and asked for them to fix that leg of the trip, compensate me with points, or compensate me with cash. After weeks of escalating this with customer service, I was told that I should have opened a separate box to see the hidden details that a " business class '' ticket would actually include an economy flight, and that XXXX would not be able to remedy the situation. This was deceptive and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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
Product: Debt collection

The Receivable Management contacted me in XXXX, in reference to a debt owed to XXXX XXXX. I stated to the collections company to stop contacting me, due to the fact I do not owe Receivable Management monies. They area third party hired to collect on a " paper '' debt from another company in the amount of {$130.00}. I specified to " XXXX '', there is not a debt owed to Receivable Management by me, due to no contract. By law, there is no documentation in which services was rendered or provided through a written contract in which there is a debt owed. The agent " XXXX '' stated to me it will show on my credit report and cause me to not be able to apply for credit. She continued to raise her voice after I stated her contact was illegal in that tone. There was another call 2 days after from a male agent who insisted on forcing me to make a payment plan for the XXXX. I do not owe any monies to Receivable Management and the agent told me that was a lie. I continue to get multiple calls even after advising them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report in the end of XX/XX/XXXX. I noticed with the credit bureau, XXXX, there has been some hard inquires by the creditor CBNA. I have not applied for any credit cards or anything from CBNA for the dates of the inquiries. The inquiry dates are XX/XX/XXXX and XX/XX/XXXX. I contacted CBNA ( Citi Bank ) and spoke with a representative on XX/XX/XXXX about doing a credit reporting dispute. The representative seem to have doubts in what answer to provide me for a solution. He then proceeded and advise I fax a letter to a fax number that was provided. I, the consumer, had to initiated and ask what information do I need to provide in this letter to fax. Due to my lack of confidence with the representative and felt there was no resolution I am filing a complaint.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM WXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are reporting that I have inquiries on my report that I have no knowledge of.
Product: Mortgage

I started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay XXXX months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XXXX ( can't recall date but XXXX can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call XXXX XXXX ( XXXX XXXX  ) and told the rep what the first rep from XXXX told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first XXXX reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a XXXX month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess.
Product: Credit card

Received an unsolicited credit card in mail from Current. Shredded card and did not use the account. Received email today stating that I would be charged an inactivity Fee and Escheatment Fee and a closure fee if we choose to close the account. Checked credit through XXXX and did not see this account. Also froze credit through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This constitutes a violation under the provisions of 15 U.S. Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. A written notice about the account was not furnished prior to its reporting. Consequently, I request the removal of this account from my credit report, as I dispute the validity of the claimed debt. Furthermore, this action appears to contravene my rights as stipulated in 15 U.S. Code 1681b ( 2 ), which defines permissible purposes for consumer reports. The account was reported without my consent and my social security information appears to have been misused. Given that I am a victim of identity theft, it is important to note that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. According to 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. It is evident, however, that my privacy rights as a consumer have been infringed upon, as the information was publicly reported without my authorization. I hereby demand the immediate removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
OCC Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review
Product: Checking or savings account

I had an account with PayPal with an outstanding balance of around {$50.00}. PayPal has a system where they require people to verify their phone numbers on their website and I had changed my phone number. PayPal, however, wouldn't grant me access to my account if I didn't enter the verification code that was sent to my phone number that I no longer had. 

I contacted customer support, they refused to provide me with a reasonable solution. I was locked out of my account and they refused to work with me to help me retrieve my outstanding balance so that I could close out my account and move on. 

Instead, the representative made me refund my friend ( who sent me the money to pay for a bill ). There was no other alternative, they MADE ME give my money back to my friend and have to bother him because the incompetent staff at PayPal refused to help me. They refused to get in contact with their technical support team, they refused to credit me MY money, and then they suggested that I either refund my friend or donate it to a charity of which they refused to tell me specifically which charity it went to. In other words, they were extremely angry that I was leaving them and refusing to do business with them, so they decided to punish me by refusing to pay me the remaining balance in my account. They still refused to pay me my money and I had to bother someone else because they refused to do anything to give me my money. 

PayPal has stolen money from me. It was my money and no matter which supervisor I spoke to, no matter what I did for them, they refused to resolve the issue. They refused to pay me my money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. Equifax has refused to promptly remove these fraudulent accounts. I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Product: Credit reporting or other personal consumer reports

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  PLEASE REMOVE THESE ACCOUNTS PER 15 USC 1681b.
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX sold me a vehicle for XXXX over value. They also failed to provide me with a right to rescission notice. Fraudulent odometer readings on sales contract as evidence by photographs on the day of purchase as well as servicing details via XXXX and state car inspection. I have filed complaint with traffic enforcement as well as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Control LLC accessed my credit report without permissible purpose as defined by the FCRA XXXX XXXX XXXX ( b ) on dates XXXX XXXX and XXXX XXXX. This is a violation of the Fair Credit Reporting act and I never gave permission to view my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXXX XXXX has been reporting as late payments. This account has been paid before collections