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

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is not.
Product: Mortgage

I was granted a 100 % XXXX XXXX XXXX XXXX XXXXXXXX effective XXXX XXXX XXXX. On XXXX XXXX XXXX I worked with the XXXX XXXX XXXX XXXX to submit my homestead exemption, which resulted in total exemption from property taxes. On that same day, I began the process of trying to work with my mortgage company, United Wholesale Mortgage, to apply that approved tax exemption to my escrow account. 

I have initiated contacted my mortgage company multiple times, via phone and through their online message center. They state that their policy does not allow them to update my escrow account until they have a property tax statement, but my county tax office will not issue a new statement until XXXX XXXX As a result, I am left paying money to my escrow account, fully knowing that it will be returned to me in the future, minus the value it depreciates due to inflation. Additionally, I recently became unemployed and this situation is resulting in undue financial stress. 

My mortgage company has refused to consider my situation, despite repeated efforts to explain and escalate within their organization. I view their lack of support as criminal, as they continue to hold on to my money and deprive me of the opportunity to invest/earn interest on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account Number XXXX, ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX Account Number XXXX, XXXX Account Number XXXX ( fraud ), XXXX XXXX Account Number XXXX ( fraud ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( was sold at auction with no balance, company never served me certified mail by law of a sale of vehicle, statue of limitation has exceeded also ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), 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 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 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # 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: Credit reporting or other personal consumer reports

To Whom It May Concern : 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 and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete 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 starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete from my report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please Update to all payments to paid as agreed and no late payment ever.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete form my report 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BRCLYSBANKDE Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit bureau is refusing to remove inaccurate information off my credit after being hung up on & told no.
Product: Credit card

On XX/XX/XXXX, I purchased four roundtrip airplane tickets to travel from XX/XX/XXXX to XXXX, XXXX. I purchased the tickets through the American Express Travel portal to fly with its preferred partner XXXX XXXX. American Express gets special discounted rates to travel with a preferred partner as part of its international travel program. I paid for the tickets using all the points I had accumulated over the course of 8 years. 
Around the first week of XX/XX/XXXX, I canceled my trip. I was told that I would get flight credit. The Amex Travel portal showed a flight credit. I relied on the American Express agent informing me I had credit, and the credit showed on my portal. 

This week I spent over XXXX hours over 3 days with American Express travel agents trying to use my airline credit to reschedule my tickets. On Sunday, XX/XX/XXXX, I spoke with the first Amex agent who told me I had to start my travel before XXXX XXXX, XXXX, in order to use my credit. On XX/XX/XXXX, the second Amex agent told me I had to complete travel by XXXX XXXX, XXXX, to use the credit. That same day, the third AMEX agent told me I had to go through a special process because Amex and XXXX XXXX had ended their preferred partner relationship and the booking had to be approved by a different desk. I was never informed of any plans for American Express to end their partnership with XXXX XXXX, much less of any consequence to my booking. 
Nonetheless, on that XXXX XXXX, XXXX call, that same agent submitted the request to reschedule and asked me to call the next day to confirm my booking. Today, XX/XX/XXXX, I called to confirm and another Amex XXXX said I have no credit and I forfeited everything by canceling the original trip in XX/XX/XXXX. The agent started by acknowledging that what she was telling me was preposterous and offered to file a global complaint with American Express ( XXXX ), which she said would take 6-8 weeks to resolve. However, a 6-8 week timeframe would be past my flight credit expiration date. I request my money or my points back. One customer service representative offered to restore my points, but it would include a charge of {$2800.00}, despite not taking the trip. This is a taking. 

After all my calls with Amex, on XX/XX/XXXX, I subsequently called XXXX XXXX directly and they were able to pull up my original travel itinerary but told me they could not rebook me because Amex kept the money for the ticket. She said XXXX XXXX never received the money and I had to return to Amex to rebook.
Product: Checking or savings account

Hello -- In XX/XX/2023, I closed a saving account with Chase bank. When I went to access those records in order to complete my taxes, they had disappeared. Chase claims that I am not entitled to those records once the account is closed. That is ridiculous. Chase tried to pull the same thing 5+ years ago when I closed another account. That time I went to a branch office where staff said they could print out records at a cost. I complained to the manager and threatened to file a complaint, and suddenly Chase made those records available to me. These are my records and I am entitled to them for a reasonable amount of time, even if the account is closed. I continue to have a Chase checking account and two credit cards owned/managed by Chase. The cost to Chase to give me online access to those records is negligible. The IRS can demand records for 7 years. I must have access to those records for tax purposes. I should not have to pay Chase per page for my records. That reeks of extortion. How many customers are being forced to pay per page for their records?
Product: Credit reporting, credit repair services, or other personal consumer reports

OMEGA Investment company Showing a Balance of {$290.00} I don't have any investment transactions at all! 
Never heard of this account. It just recently appeared on my credit report not sure why Not mines! 

Action : Please remove from my credit reporting ( all 3 reports please ) Thank you in advance
Product: Money transfer, virtual currency, or money service

My account was frozen due to suspicious activity. I confirmed the activity as I was traveling and it was me. Then they reviewed and deactivated my account with a balance of {$1400.00}. Now I am not being allowed to login.
Product: Debt collection

I recently reviewed my credit report and noticed a company listed that I have never done business with. I sent them a letter requesting verification of the account, but the documentation they provided did not prove that I ever had any dealings with them. Additionally, I received a text message from another company claiming the same collection. 

I am concerned that these companies will continue to add information to my credit report, which could further harm my credit score. Therefore, I am formally requesting the removal of this account from my credit report, as it is inaccurate and unverified. 

Please take the necessary steps to investigate this matter and ensure that this erroneous information is removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Product: Credit reporting or other personal consumer reports

Company name : XXXX XXXX Charge Off as of XX/XX/XXXX, XX/XX/XXXX I did not receive a 1099c for me to report this as income. On my credit report its marked as charged off and written off. I would like to request the 1099c and if the company got a tax break on this and wrote it off as a loss I would like this to be removed from my credit report as they did not practice fair reporting or follow the law and violated my rights.
Product: Credit card

I have a Discover card that I no longer use or have a balance on, and today I got the following email from them : '' XXXX XXXX, your Discover card 's built - in benefits are streamlining on XXXX 2015At Discover, we want you to be happy. That 's why periodically review the valuable benefits that are built in to your Discover card. We have decided to retain some benefits - like purchase protection and price protection - and discontinue others. 

What this means for you : Effective XXXX XXXX, 2015 Discover card will discontinue the following benefits : XXXX Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance. If you have a loss or incident that occurs on or after XXXX XXXX, 2015, it will not be covered by these benefits. 

Want to learn more? 
See all your card 's built-in benefits at Discover.com/cardbenefits. " This seems entirely misleading. They want me to be happy, so they are removing some benefits. They put that jumble of sentences before the actual change just to make it seem like they were n't taking something away.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXXXXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.
Product: Credit card

1. I ordered a water bottle from XXXX XXXX. 
2. It was defective, and I requested to return it on XX/XX/year>. 
3. After a copious number of back-and-forth exchanges with the company, I eventually was able to get a return label and mail back the water bottle. Tracking information shows that it was received.

4. Many months have passed, and this has still not been refunded. I submitted a dispute on Citi 's portal and was originally granted a refund pending an " investigation. '' 5.I am LIVID that despite copious evidence that this has been returned and the company IN WRITING emailing me asking me to withdraw the dispute, saying that they would rather just process it on the side and acknowledge that they have received it, Citi Bank has recharged a temporary refund to my account without cause. 

This is completely unacceptable and, at this point, a fraudulent charge. I have provided copies of my email exchanges with the comapny.
Product: Credit card

I bought 3 XXXX passes from XXXX XXXX on XX/XX/2023. A few hours later I called XXXX XXXX, they never connected me so I used a XXXX online chat and cancelled all three passes. They were {$490.00} each. 
Then I got a bill from Citibank on my credit card for one pass, {$490.00}. I first tried to contact XXXX but they had closed their telephone number and their online chat was down. Later I found out they had closed that and required all communication to go through XXXX. Next I called Citibank and asked to dispute the charge. They took all my information. At this point I did not know which pass did not get cancelled. I had received no emails from XXXX unless they went to junk. Citibank told me everything was fine and I should here back from them. About a month later I called again explained everything again and checked to make sure all the information I gave them was in the notes in the computer system. 
Some weeks later I received a form email telling me I was required to pay for the one pass. I called again and this time was told that I should have reported everything in writing the first two times and it was really too late to appeal. NO ONE EVER TOLD ME TO SEND IT WRITING BEFORE THIS. i got on XXXX contacted XXXX and they told me which pass was not cancelled and which were. The pass not cancelled was form my wife who is XXXX and XXXX. She never travels alone. I pointed this out in a response to consequent letter from Citibank. Oh and that letter required a response several days BEFORE I ever received the letter. I sent them additional information but again received a form letter telling me I had to pay for the pass. My main complaint is that I was never told I HAD to put the information in writing until it was too late and that Master Card needed that information in writing to make a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple complaints with Experian and asked about this dispute multiple times ; they took longer than 30 days to give a resolution ; and stated that they forgot the dispute number and to just file again. Every time there is a resolution ; I call to find out why they decided one way and I never get any information. 

I was not notified of the student loans correctly and they sent information to an old address from my freshman year in college of the loan being due. This has adversely impacted my credit and I have not been able to get any information from Experian! 

- XXXX XXXX
Product: Debt collection

I contacted the debt collector because the debt should not been report to the credit bureau because my insurance was never billed. I contacted the reporting agency AR resources inc and spoke with a representative by the name of XXXX on XXXX/XXXX/15 at XXXX est. When we began the call XXXX explained what the debt was for. I advised her that this was the hospitals fault because they did not bill my insurance. XXXX then stated that this was not the case the insurance was billed and I was responsible fro the remaining balance. I advised her this was not true because I call the insurance and I was advised that they had never been billed for the service in which I was responsible for XXXX but they had received a bill which I was responsible for XXXX which was something completely different. I advised her with my insurance they would never make me responsible for XXXX when it was only in and out service. She then proceeded to tell me I was speak on something I knew nothing about. I tried to explain it again thinking that she maybe did not understand me but she then said I was cutting her off. I asked to speak to someone else she told me no and proceed on with what she had to say. I let her finish and after she was done advised her again I wanted to speak to someone else she said sure and she was getting me to a supervisor in which she just sent me to the supervisors voicemail I let a message and have never heard anything back in regards to my complaint. I called back again and XXXX must have know it was me from caller ID because I was repeatedly hung up on. I finally got another representative explain the same situation and she said they did try to bill the insurance in XXXX but did not get a response back so she took down my insurance information and stated that it could take 30 to 45 days to be completed. I just did not understand why XXXX could not give me the same service I have never had anyone speak to me the way she had.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, the wire transfer of {$49000.00} from my fathers account in XXXX XXXXXXXX XXXX arrived in my savings account. 
On XX/XX/XXXX, the wire transfer of {$50000.00} from my mothers account in XXXXXXXX XXXX XXXX arrived in my savings account. 
On XX/XX/XXXX, my checking and savings accounts were restricted. 
On XX/XX/XXXX, my savings account was closed. 
On XX/XX/XXXX, my checking account was closed. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX. No update. My remaining balance in both accounts are suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I filed a consumer complaint through XXXX. 
On XX/XX/XXXX, Chase sent me a letter, insisting that the remaining funds continue to be under review. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, I called Chase fraud security service ( XXXX ) XXXX twice. No update. Still suspended due to investigation. 
On XX/XX/XXXX, All the remaining funds in both accounts, at the amount of {$2900.00} and {$91000.00}, were suspended for 154 days. I decided to file this complaint through the CFPB and seek attorney consults. 

My checking and savings accounts were opened in XX/XX/XXXX, in XXXX, Wisconsin. My mother and father have sent me wire transfers of similar amounts from XXXX to XXXX to support my XXXX and XXXX XXXX  spendings. 
The wire transfers on XX/XX/XXXX and XX/XX/XXXX from them are planned for buying a house in the future.