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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with COMENITY BANK/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and COMENITY BANK/XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit card or prepaid card

I was travelling to XXXX XXXX since my mother was sick and used the Chase Sapphire credit card to make the purchase from a web site called XXXX and the corresponding Airline was XXXX. I have multiple travel credit cards and used the Chase Sapphire card since I saw peace of mind benefits as per the attched doc from the chase web site. Unfortunately my trip got interrupted since I had covid and I had to reschedule the flight from XX/XX/XXXX to XX/XX/XXXX and XXXX  XXXX  and XXXX  charged me extra {$750.00} to reschedule the flight eventhough it is covid related and never received the peace of mind that Chase advertise as per the attached doc and it was misleading. Also this flight lasted over 30 hours and didnt give me a better connections either and I was very unhappy with the layover I had in XXXX  over 6 hours. 

When I tried to file an online dispute from the Chase web site I got the popup below and called Chase customer service and to my dismay they are not willing to help me. 

Important : Important information regarding COVID-19 for disputes If your dispute is related to travel, we recommend that you start with your travel provider because many airlines and hotels are being flexible about impacted areas. If they can't help, submit a dispute online and we'll work with you to try and find you a solution.
Product: Checking or savings account

Bank of America was reminded on XX/XX/XXXX of my knowledge of the inclusion of my accounts in income level and fund reserve account limit type related education projects since XXXX. On XX/XX/XXXX, I received an erroneous alert that a {$41.00} check was returned unpaid due to insufficient funds when such was not the case and the check was returned because the Department of Education had made it optional to continue to paying the loan. In the past, other similar activities, including but not limited to, omitting automatic withdrawal of full payments from bank accounts, for not completing forms as desired, or for the servicing agents ' mishandling of paperwork or strategic delay in processing such paperwork, when such terms were already allotted under the current agreement, i.e. such delays were created so that my account did not receive the 'better ' deal. Also such activities are completed to create embarrassment for anyone misusing my e-mail account or handling my mail. Such activities also increase in intensity when I start filing my correspondence or financial statements, including retaliation ( burglary to remove, replace or vandalize order of documentation ), aside from amount of surveillance, eg surveillance included emitting statement acknowledging that I was scratching my knee while I was sleeping to ensure that I knew I was being watched twenty four hours a day. Responding agent stated in response that account was flagged for fraud in XXXX and that she would transfer me to the fraud department. I declined such transfer because in the past such activities should have been clearly communicated in writing as soon as possible and not with such significant delay, as in this case the delay would be four months. Four months of not having notice that fraud was affecting my account is unacceptable. Other measures, such as deactivating the debit card to cause an immediate phone call or visit when written notice is not reaching me could have been implemented rather than such a slow response, or even certified restricted signature mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Iberia Bank is currently erroneously reporting information to the various credit bureaus, inciting ownership to a delinquent account. The said account has been asked to be validated by myself with no response of such with supporting documentation. Such reporting violates multiple FDCPA laws and has caused me great mental and emotional anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX ( XXXX Va XXXX XXXX Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting Websters third new international dictionary 133. 1396,1771 ( 1993 ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 
XXXX XXXX XXXX XXXX account # XXXX
Product: Debt collection

XX/XX/XXXX I was called by XXXX XXXX and informed that money was owed by me and I had very little time to pay it back or be forced out of school. When I inquired about the money or why I was being charged the once helpful demeanor was met with standoffish and unhelpful from everyone involved. I was no longer being provided with answers when I asked questions and it became very clear due to fear of legal repercussions they weren't going to inform me of anything aside from the money owed. Furthermore, due to XXXX XXXX XXXX habit of charging per semester instead of per class ( there are three or four classes per semester ) I was trapped inside a semester I couldn't pay for. My understanding was that, I owed money for an undisclosed reason and couldn't continue going to school however I was still pushed into the following semester. I felt I was trapped, as so the school could continue to charge me. 
I faced an emergency and when I asked my instructor he looked at me lost and said he didn't know. I went back and forth between him and administrator as they argued to see who would be responsible for my absence. 
Skipping to this year. In XX/XX/XXXX I was contacted by debt collection agency who informed me of a XXXX dollar owed to the university. My understanding is : the money that the University is claiming I owe, is coming from the money they had to refund back to the government, and to themselves ( They offered me a scholarship ). I'm being asked to pay for services I was never given. The school itself claims the original sum -- which forced me out -- from a class I was to retake. Unless my memory is faulty the emergency that resulted in a missed class I spoke with admin and brought along hospital papers to prove my stay in the emergency room. The other incident I can recall that may have forced me to retake a class mentioned above and I thought excused. I can not recall any other time I would have needed to retake a class that would require a retake fee prior to XX/XX/XXXX/XX/XX/XXXX. There was also never any mention when I spoke to admin that I would be charged during these events as far as I can recall. 
In closing, I spoke with the debt collection agency XXXX XXXX XXXX and asked them to provide paper work ( bill, account summary, paper work, etc. ) to show to legal console for advice on this matter. The paper work I received from XXXX XXXX XXXX states account balance of XXXX dollars, to make sure it wasn't an error on their part I reached out to XXXX  XXXX  and got a Student Account Summary and can confirm Acct. Balance and Category Balance is XXXX. Before ceasing all phone communication ( in writing from now on ) with XXXX XXXX XXXX. I asked them if they had a contract or agreement stating that I would be responsible for this charge and was met with a " XXXX XXXX  has provided me with information regarding your case and no. I can not say. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX XXXX XXXX Georgia, which is false. I have included a letter, from the XXXXXXXX XXXX XXXXXXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Lexis Nexis is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it from my credit file.
Product: Debt collection

XXXX XXXX : Diversified- XXXX XXXX XXXX : {$2400.00} This account does not belong to me. This is improper use of my credit. My name is misspelled, also I have never had any of these phone numbers attached to this account.
Product: Credit card

I opened a XXXX credit card and I was late they waved my late fee and I payed it off. Now they are calling to say I didn't pay the late fee so I owe interest and More late fees since XXXX cuz I have not made any more payments so it keeps growing my bills I don't have! it was a trick that is growing while I think it's paid off please help
Product: Debt collection

XXXX XXXX is reporting inaccurate information ; a derogatory account is reporting in the amount of {$1200.00}. They have failed to provide me with me with validation that this account belongs to me. I have made several requests for this information. If the information can not be validated it must be removed immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a service product with my Bank of America credit card. The merchant said if it was not a good fit, I could receive a refund. 

On XX/XX/XXXX, I asked for a refund. 

On XX/XX/XXXX, the merchant, XXXX XXXX, responded to one of my emails, stating, " I have agreed to refund all your money and it should be in your accounts already. '' I checked with Bank of America and they did not have the funds. Bank of America asked me to fax this information ( notice of refund ). 

On XX/XX/XXXX, I faxed the information to Bank of America. 

On XX/XX/XXXX, Bank of America advised me to pay my minimum balance while they investigated the issue. They said they would post a temporary credit and refund the minimum balance payment. 

XXXX XXXX, XXXX XXXXXXXX XXXX attorney, notified me that XXXX, a third party company, had the funds and would come to a dispute resolution by XX/XX/XXXX. 

On XX/XX/XXXX, XXXX said Bank of America had the funds. 

On XX/XX/XXXX, I spoke with Bank of America and they did not have the funds. 

I made several calls between the period of XX/XX/XXXX and XX/XX/XXXX, requesting for Bank of America to follow through with their statement of offering a temporary credit while they further investigated the issue. My credit score has fallen 100 points and has been negatively impacted.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX Educational Systems XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Mortgage

I truly need an expedited QWR on my property I own in XXXX, New York. I hereby attach a signed copy of this QWR, and need an expedited reply with all documentation.
Product: Debt collection

I have contacted AWA collections to attempt to resolve the debt and the representative was unwilling to work with me. On multiple times I called and left a message and got no answer.
Product: Checking or savings account

Bank of America was the trustee for a company sponsored Health Savings Account. Bank of America charge {$4.00} a month and then later {$2.00} a month between XXXXXXXX XXXX XXXX totaling {$300.00}. 

Bank of America made no attempt to contact me as the account holder of the funds available in the HSA or the fee structure associated. A credit card account was set-up during this period of time with corresponding credentials which would have allowed them to associate the account and notify me of its status. 

The interest accumulated was lower than the fee structured resulting in diminished account balance despite no health care reimbursements being made during that time. 

They have failed as a trustee of the account to notify the account holder its status and diminishing value, ultimately siphoning funds unfairly for their own benefit.
Product: Mortgage

Wrongful foreclosure. Violation of CA bill of rights. Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ) and other mortgage laws by Select Portfolio Servicing ( SPS ) acting as servicer for XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Equity Pass Through Certificates, XXXX XXXX. False CA. Declaration under penalty of perjury on California Declaration Of Compliance dated XX/XX/XXXX included with Notice Of Default by XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX contact was made with me on my cell phone be a representative of SPS regarding delinquency in payments. I advised her that I and co borrower sopuse had a significantchange of circumstance as my husband, XXXX XXXX, the co borrower, was diagnosed with XXXX XXXX on XXXX/XXXX/XXXX after being ill but undiagnosed for one year. I advised her that our business income had significantly dropped. I advised her that our mortgage interest rate of 8.625 % was still too high and we needed a modification review. The representative falsely and unlawfully advised me that a review for modification was " NOT AN OPTION '' because we had just received a modification XX/XX/XXXX. It was not until I received a free consultation with an attorney that I learned that if there is a change of circumstance, the mortgage company/servicer/bank Must by Law review the loan for possible modification. 
Select Portfolio Servicing and XXXX XXXX XXXX in direct violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). a Sale Date is scheduled for XX/XX/XXXX assigned by XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX I am requesting a postponement of the sale date. A Notice of Error has been sent to Select Portfolio Servicing via overnight mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CITIBANK on XX/XX/2017 which l have no idea about it at all.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach. I want these items Deleted from my credit reports. As you can see,. because I was a victim of this data breach.
Product: Credit card

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/scrub> 2024, I used XXXX to deposit {$20.00} ( plus XXXX disclosed fee ) into the commissary accounts of people who were being held in XXXX XXXX XXXX XXXX. Each time, I used my CapitalOne credit card to make these deposits. 

Unbeknownst to me, each of these deposits incurred a {$10.00} cash advance fee. I have no idea why these deposits are considered cash advances or treated any differently from other forms of money transfers ( like XXXX and XXXX, which are also connected to my credit card ), online donations to charities/political causes/etc., or regular purchases. Cash advance seems like a totally arbitrary category that essentially just describes what credit cards dolay out the money for a good or service in advance of when I pay for it. I had no idea I was being charged these fees for these specific transactions. 

I called CapitalOne today and asked them to waive the fees, but they refused to do so. I also asked them ( supervisor XXXX ID XXXX ) how customers are supposed to ascertain whats considered a cash advance vs any other money transfer via credit card, and I was told that I could call the bank in advance of any such transaction to check if its a cash advance or not. This I cant describe it to you, but I know it when I see it response is the hallmark of a policy that is so untransparent that theres no way for me to know when it could be sprung on me. Furthermore, it feels particularly predatory for this fee to be imposed for donations to an incarcerated persons commissary account, since thats a whole industry that gouges poor people at every level.
Product: Debt collection

We have a message from credit control LLC this is a call from a debt collector please call XXXX I have received repeated calls from this unscrupulous company. I know what my debt is and I dont owe anyone any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX and U.S. Bankruptcy Court XXXX. Please remove these items ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer an authorize user on XX/XX/XXXXXX/XX/XXXXXXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/XXXX, I was scammed via XXXX XXXX. I was selling a loveseat online for XXXX. XXXX XXXX reached out to me saying that he wanted it and asked if Zelle would be okay. He sent me the XXXX and sent me the screenshot. I then got an email saying that the payment was pending but the buyer had to send me an additional XXXX for my account to be upgraded to a business account. He said he would send it if I would promise to send it back, I agreed. Once he sent me the XXXX I sent it back, but never got any of my money.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.