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

I bought a ticket with a no change fee leg that would occur on XX/XX/2022. The airline company violated this contract ( See Ticket Conditions in attached pdf with XXXX in filename ) and charged a change fee. I have also submitted a DoT complaint ( Case # XXXX ) in reference to this as well but was hoping to more quickly end this through a credit card dispute. I was able to make a dispute through chase but was asked to provide documentation by a letter through their system in the letter ( which I am attaching ( FebChase.pdf ) ). The key phrase being " : Here 's how you can send the requested information '' " Send us a secure message at Chase.com '' So I proceeded to send documentation through the secure message system as I was informed through Chase 's letter that I would be able to. 


I further sent more documentation in mid XXXX along with a comment that requested to know if the dispute department had received said documentation and a comment that the dispute had been misclassified as well. In the response ( which I will attach ( Secure Messages - chase.com_MidFeb.pdf ) ) I received a the following comment that specifically told me not to follow up further as it would cause a delay. 


" Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. " So I didnt send more information as the notice said I would only further delay a response. So today XX/XX/XXXX I received a letter that my dispute was completed due to my never having sent documentation which I did ( I am attaching the secure messages confirming the sent documents along with the documents themselves ). 


If Secure Messages isnt a valid way to send documentation then the official letters from Chase should not list them as a valid way because otherwise is basically telling consumers to put important documents for their dispute in basically a trash bin. 

If possible, also please do not send responses in emails that look like phishing emails with attachments and use your Secure Messages system to send " Secure Messages ''?
Product: Money transfer, virtual currency, or money service

Im unable to withdraw my cryptocurrency due to a restriction on my account ( Account Number : need immediate access to my funds.

Please resolve this issue as soon as possible and let me know if you need any additional information from me.

i have been a long time user of the platform and this is horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. XXXX XXXX has blocked/delete all fraudulent items. Equifax continues to say you items have been verified. How can they verify these fraudulent items. Equifax is in violation of the FCRA!! Equifax must report true and accurate information. The following accounts are fraudulent and dont belong to me. Equifax must follow suit and blocked/delete these items. 
1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) {$610.00}
Product: Mortgage

I refinanced my mortgage with Wells Fargo in XX/XX/year> to consolidate debt from a home construction project. During the process, I set up direct withdrawal from my XXXX  XXXX XXXX account. Months later ( XXXX ) I found out from the city that my house was going up in the sheriffs foreclosure auction. I immediately contacted Wells Fargo and they said my direct deposit wasnt set up correctly and because I had agreed to electronic communications from them they did not have to send me an notification via XXXX. I asked why they hadnt called and they said the did, through their automated call system but that system isnt setup/allowed to leave voicemails. Within 2 months I paid the past-due payments and fees in one lump sum but their mistake destroyed my nearly perfect credit.
Product: Debt collection

This company ( judgment recovery center of Maryland ) is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a writ of wage garnishment asking to withhold my funds from my employer .I have made attempts to fix these issues directly with this company and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit card or prepaid card

I am on the phone with a representative and he issued a new card and reported a fraudulent charge. As I'm attempting to make the payment which is due on XX/XX/2018 so today I noticed a {$39.00} late fee charge. I asked the representative why is there a late fee when today is the due date. Even if they are going by eastern standard time since it is XXXX XXXX. my time it isn't even the next day eastern standard time. Therefore how am I being charged a late fee on the same day the payment is due. He said that is a good question and wasn't able to explain. I believe the reason for the charge is harassment from the bank. I would like Capital One investigated for such.

Thank you, XXXX
Product: Debt collection

We maintain a subscription with XXXX, a credit monitoring service because we have had identity theft - people using my social security number to open accounts. XXXX reported to us on XX/XX/2024 that a report from Sunrise Credit Services reported that my credit score decreased by XXXX points caused by a report from Sunrise Credit Services , Inc. XXXX , NY . I immediately faxed a letter to them using them to provide me with info. I do not have any outstanding debt. They have not provided me with the requested info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report as provided by Equifax. Upon reviewing the details of my credit report, I have identified several discrepancies related to an account listed under XXXX XXXX XXXX  XXXX. Below are the specific issues that require immediate attention : XXXX*Account Status - " Charge Off '' ** : The account is reported as " Charge Off, '' yet it shows a balance of {$0.00}. This debt has been settled or paid, the status should indicate " Paid in Full '' or " Settled, '' and the " Charge Off '' designation should be removed. 

XXXX** : The account paid for less than full balance, paid credit card. '' This contradicts the {$0.00} balance and the " Charge Off '' status, creating confusion about the account 's resolution. Clear documentation reflecting the true status should be provided. 

**Payment History** : The payment history indicates continuous " Charge Off '' status for XXXX, XXXX, and XXXX despite a {$0.00} balance. This misrepresentation can adversely affect my credit score. The history should reflect the accurate resolution timeline without ongoing " Charge Off '' reporting. 

**Dispute Flag** : The account is marked as under dispute. If this dispute has been resolved, the flag must be removed. If not, further investigation is warranted. 

**Steps to Address These Issues** : XXXX. I request a reinvestigation of this account and clarification regarding the discrepancies. 
I ask Equifax to correct the account status, payment history, and remarks to reflect accurate and updated information. 
If Equifax fails to address these inaccuracies, I will file a complaint with your office or another relevant authority. 

Please consider this letter a formal request for the investigation of the inaccuracies in my credit report. I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely,
Product: Student loan

I am set up for automatic payments from my checking account. I log on today and all of my accounts are past due. I check and there arent any pending payments. It says my payment isnt due for another month which obviously isnt true as every account says past due. I went set up a payment to clear the past due issue. I just checked my bank account to this evening and they took the payment that I scheduled as well as the automatic debit. They charged me twice this month under the falsehood that my account was past due even though its auto debit. Looks like groceries wont be a thing this month. Thanks Nelnet.
Product: Student loan

Hi I recently applied to the XXXX program after the new laws were made. I previously had a FFLEP loan so I refinanced to a direct loan and completed the new XXXX program. I applied in XXXX and many months later I finally found out by calling them that they had sent me several letters regarding my loan status. The only problem is that nothing was actually mailed to me but the letters had been posted to my new account at Fed Loans which I did not know I had and had no access to. I have sent several emails asking for information as to the status of my XXXX application. Each time it has taken several months for a response. The last correspondence I received from them stated XXXX of the XXXX jobs I submitted ( which cover a 2 year period ) were approved but I was not given any credits for the payments made during that 2 year period. I sent them another email to inquire why I did not receive any credit for those payments this is what they said : " The Department of Education regulations require us to have an end date on all forms. On the XXXX XXXX XXXX XXXX ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ), we use the date your employer signed your form ( if you are still employed ) as the end date. Payments made after this date may qualify for XXXX XXXX XXXX XXXX ( XXXX ) ; however, will not show on your tracker until the next time you recertify your employment. '' ONLY THE PAYMENT AFTER I AM ACCEPTED TO THE PROGRAM WILL BE CREDITED. 

Isn't it the main point to the new law past payment will able to be counted. Why would Fedloan be unaware of this. Any help you can provide would be appreciated. thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit card or prepaid card

late fees have been charged to the account and are the only charges on the account Two previous calls to AMEX I was assured late fees were waived. each time the charges have not been waived and more late fees are assessed against the previous late fee. The third call I cancelled the card and was again assured that all charges were waived and result in a XXXX balance. That call occurred on XX/XX/18. when I cancelled the card I spoke to an on-shore representative and explained the issue. His advice was to speak to a supervisor if the charges were not removed. Once again the charges were not removed and more late fees assessed. I call back to AMEX on XX/XX/18 and asked for a supervisor. I was told the supervisor would call me back in 15 minutes. It has been 4 days and I am now submitting this compliant on XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information on credit report that do not belong on the report done dispute several time with Experian and they keep saying that the report is updated but there is no change why are they saying there is an update have never done business with XXXX XXXX XXXX XXXX having problem removing it from report or get it deleted Experian say i should contact the CFPB
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report making sure everything was accurate on my credit report and I noticed there were some addresses and date of births that does not and has never belonged to myself. I submitted complaints to XXXX, XXXX, and Experian expressing that they are reporting INACCURATE information onto my credit report, and I have gotten no response..
Product: Debt collection

XX/XX/2021 {$76.00} Tried making contact with the debt collector
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my rights under 15USC 1681 section 6 0 2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I was contacted by a process server today XXXX concening a civil case to colect a bad debt on a car loan oringated in XXXX. 
The complaintant is Wells Fargo. I have never had a car loan with wells fargo. I did have a checking account as well as a mortgage with wells frargo in the past but I never had a car loan. 
I believe I am now a vicitm of Wells Fargos mismanagement of accounts doumented here. 

https : XXXX How and where do I get help? 

Until today, I had never been contacted by wells fargo in the past in an attempt to collect this debt. 
They also indicate that the loan went bad in XXXX. Seems impossible as there are no 11 year care loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that I have never been late on paying. Apparently, I had a charge from XX/XX/XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of XXXX XXXX that their system sent out a report to Transunion and XXXX  that I was 30 days late, which has impacted my credit score. 


I did contact Transunion and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from Transunion showing that the 30 day delinquency is still on my credit report. 


Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through  no fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies, they are refusing to do a proper investigation, Pursuant to 15 usc 1692 ( g ) also these agencies have Traffic my personal identifying information, according to 18 usc 1028 ( 12 ) ( a ) ( b ) By law I have a right to privacy, according to 15 usc 1602, I have a right to the pursuit of Life, Liberty, and happiness,
Product: Credit reporting or other personal consumer reports

The Credit Bureaus has failed to fulfill its legal obligation under the FCRA to conduct a proper reinvestigation of disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issuing such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where the credit bureaus have neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion, Equifax and Experian continue to violate federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 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 The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX continue to wrongfully report derogatory marks from XXXX XXXX XXXX - Account number XXXX - on my personal credit account despite the fact that the underlying account was not validated, it is inaccurate and fraudulent. Because there was no notice, whatsoever, from the creditor, I denied opportunity to dispute the charges under identity theft. Moreover, XXXX ignored my complaint that the account was reported by the reporter, XXXX XXXX XXXX, who failed to notify me pertaining to the alleged charges and/or grant proper opportunity to dispute the charges before reporting in violation of the consumer rights laws such as Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Upon my request for reinvestigation, XXXX improperly used parrot information to validate the charges.
Product: Checking or savings account

filed a complaint regarding unauthorized transactions on my debit card my card was cancelled and I was issued a new card and told that my claim would be investigated. Someone used my card on a casino site from XXXX XXXX I didnt notice the transaction until I started noticing every time I add money to my checking account front my saving my balance disappears. So I filed a dispute with card.com on XX/XX/2023 who claimed to have did a proper investigation and denied my refund. I just dont understand how I been a client with them for a year now and my claim was not taken seriously. I contacted card.com and asked for a update on my claim on XX/XX/2023 and was told no error occurred and my claim was denied. So you mean to tell me someone is able to use my card unauthorized on a site that I have never been on and nothings done about it? Its just sickening to me. Now Im out of my own hard earned money! Im definitely switching banks. I want my money. These are unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from XXXX is showing I have debt of a credit card that I owe to JPMCB and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.