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

As you may be aware, Chase Sapphire Rewards offers rewards points for travel purchases made with a Chase Sapphire card. However, I have encountered a significant problem with accessing these rewards points today, XX/XX/2023. It appears that my name, XXXX XXXX, is similar to a name on an XXXX list of individuals who are under US sanction and not allowed to purchase airplane tickets or hotel reservations. Despite my repeated attempts to explain that I am a US born citizen and not the same person as the one on the XXXX list, I have been denied access to the Chase Rewards Portal due to this computer error. 

I have contacted both Chase Rewards and Chase Sapphire customer service multiple times to try and resolve this issue, but have not received any satisfactory responses. I was even instructed to petition XXXX directly to have my name removed from this list, which is not a viable solution as my name is only similar and not identical to the one on the list. 

As a paying customer and voting member of your constituency, I am reaching out to you for assistance in addressing this issue with Chase Rewards. It is my belief that by denying me access to the portal, Chase Rewards is knowingly limiting my ability to access rewards programs that they advertised as one of the primary benefits of being a Chase Sapphire cardholder.

I am asking for your assistance in urging Chase Rewards, JP Morgan Chase, or any other affiliated entity to allow me to access their online portal to purchase flights and hotels and receive the rewards points that I was duly promised from them as a paying customer. I believe that it is important for credit card companies to be held accountable for their actions and to ensure that their customers are treated fairly and equitably. 

Thank you for your time and consideration, and I look forward to hearing from you soon.
Product: Credit reporting 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 items that need to be fixed. The XXXX 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 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 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: Debt collection

From XXXX, XXXX, experian would like my closed account removed i tried to dispute and they didn't do there job to investigate any dispute
Product: Checking or savings account

In or around the latter part of XX/XX/2023, I filed a complaint with CFPB ( XXXX ) concerning a check I wrote on XX/XX/2023, in the amount of {$1300.00} made payable to Citicard as payment on my credit card. Somehow, JP Morgan Chase intercepted this check and deposited it. How and why JPMC came to possess this check, which was not made payable to them, has not been explained ; other than by JPMC executive employee XXXX XXXX, who claimed " it is not their fault. '' Since filing the initial CFPB complaint I have been trying to recover my funds ; however, JPMC ( specifically, XXXX XXXX ) has continued to gaslight and change what they claim they need to repay the funds they illegally intercepted and fraudulently deposited. 

I am attaching the most recent correspondence and contacts I have had with JPMC executive employee XXXX XXXX, which also included contacts my credit union has had with her as well. Bottom line is, JPMC still has not returned my funds ; XXXX XXXX has misrepresented to both myself and my credit union what is needed to return my funds. 

This entire ordeal has become surreal. The conversations both I and my credit union have had with XXXX XXXX with JPMC have been rife with misrepresentations. 

I question JPMC 's business practices and specifically XXXX XXXX 's. JPMC has acknowledged they have no right or claim to my funds, yet they refuse to return them. I am pleading with the CFPB to assist in the recovery of my {$1300.00}. 

I am attaching the most recent and relevant documents concerning this matter. They are self-explanatory ; however, I am available at anytime to discuss this matter with whomever is necessary for further clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has provided reports to my creditors stating that my credit file includes serious delinquency, judgment or collections activities. I ordered my file from them on XX/XX/XXXX and confirmed no such info was present. Thereafter I was advised by reports from XXXX and XXXX that reports received on XX/XX/XXXX and XX/XX/XXXX still reflect that negative reporting. I have called them and they referred me to contact those creditors to dispute. On XX/XX/XXXX I requested a copy of my Equifax score. It notes code 202 one or more major derogatory events on my file. Today I worked with a representative at Equifax for an hour and a half before he disconnected me. He continued to try and assert that the note must reflect credit utilization. I advised that it didn't because that is referenced in code 178. He found no negative information on my file and disconnected the call when I requested a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not heard back from Transunion with regards to this XXXX XXXX XXXX investigation into this account that do not belong to me. I would like this XXXX XXXX   XXXX account removed from my credit report. Please assist me in getting this done. 

It has been more than 30 days since I submitted a dispute with regards to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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

I opened a dispute with Experian regarding a collection account by XXXX XXXX related to a XXXX XXXX collection account. Approximately a day later, I uploaded proof that the collection was erroneous but Experian has not removed this collection from my Experian credit report. This collection has caused a significant drop in my credit score. The receipt I uploaded is proof that the charge in question is for an XXXX that I returned back in 2022 for which I received a credit.
Product: Credit reporting 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 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 has violated my rights. 

I looked at my Transunion Credit Report on XXXX XXXX and noticed things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

15 U.S.C. 1681B ( 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

While trying to refinance we discovered that ExperianXXXX and XXXX all had the incorrect bankrupcy discharge date recorded ( XXXX ). The correct date is XXXX/XXXX/XXXX. Once I sent the correct court ordered discharge with that date on it to all XXXX, XXXX and XXXX changed it within 48 hours. Experian did not. I also sent Experian the court ordered paper showing that the court made a mistake and to vacate the order for the XXXX discharge, that the court ordered discharge for XXXX/XXXX/XXXX is the correct date. I have called Experian 9 times, each time explaining the issue, making sure they received the documents and explaining that we can not close without this information being changed. I have been hung up on, promised to be called back by a supervisor, and promised to be called back a manger above the supervisors. No body ever gets back with me. They say they have 30 days and have no empathy for my time constraint regarding closing on my refinance. Also there are XXXX mortgages in my file that are coded under payment history as XXXX. Which shows up in automated underwriting as a charge off foreclosure and not a bankruptcy. I even uploaded a screen shot from my mortgage company for Experian to see and they say they can not see it on their end. I am so frustrated because I feel their level of customer service and caring in nonexistent. Not only am I concerned that I will not be able to close in time to keep a lower interest rate but have no confidence that these issues will be corrected.
Product: Debt collection

I called equifax about a 1099c for all my closed accounts the rep would not give it to me he told me that I have to get it from the irs he only gave me his name XXXX and a reference number XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to retrieve my free credit report from XXXX, I am unable to collected it from Experian. I receive this message for both myself and my spouse. 

A condition exists that prevents Experian from being able to accept your request at this time. 

I have no issues with XXXX  or XXXX  as far as I can tell. I have not been able to collect my Experian request online in several years now. I also do not appear to be the only one and see several issues about it online.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter to the courthouse asking do they report bankruptcies to credit bureaus and i got a letter stating " THEY DO NOT '' report any bankruptcies to anybody. SO if that the case how did the credit bureaus verify this bankruptcies as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 ACT 15 USC 1681 section 603 ( 3 ) ( e ) states : the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with outhers with whom he acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my givens rights under 15 USC 1681.

ACCORDING TO 15 USC 1681 section 602 A states I have the rights to privacy. & also states a consumer reporting agency CAN NOT furnish a account without MY WRITTEN INSTURCTIONS According to 15 USC 1681 s-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 or other personal consumer reports

Said company had bought my debt from another company without my consent and has place misinformation about it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion has XXXX on my credit report I am only a authorized user - PLEASE REMOVE ... 3 rd request XXXX XXXX XXXX
Product: Money transfers

I did a money transfer on XX/XX/2017 when the person that was supposed to receive the money went to pick it up he was told that the transaction number was incorrect. He went three times to try and pick up the money but Was also told that the money he was trying to receive was not there. He double checked that all his information was correct which it was and still had trouble receiving the money. It 's been 15 days now so I 'm making this claim because you failed to provide this service and for not going through with the transaction the day it was supposed to happened. I 've tried to call customer service but no one has givien me a solution to this issue. Dolex dollar express inc. my name is XXXX transaction # XXXX Beneficiary : XXXX
Product: Debt collection

I moved into XXXX XX/XX/2012. I was told I had to have a cosigner on the application, but I was given the key anyway. No paperwork was signed. 2 weeks later, I was told I had to go because no paperwork was signed to legally live there. 6 months later, I found a whopping bill for {$4500.00}! I never ( legally ) lived there and I was there for 2 weeks, but got charged for the whole year.
Product: Mortgage

My mortgage company ( Ditech ) did not pay my homeowner 's insurance policy and as a result my insurance was dropped. I was not informed of this for months and was given lender-placed insurance to fill the gap. The lender-placed insurance was much more expensive than my previous policy, and of course is a stripped down policy. As a result of my homes mountain location, it has become difficult to insure and my previous insurance company could not give me my old policy back. I was grandfathered in on my insurance and after Ditech caused me to be dropped I was stuck without insurance and had extreme difficulty finding anyone that would consider insuring me. I am now getting closer to finalizing a new policy with a new company but Ditech wants to charge me more for their lender placed policy even though I was placed on this policy solely because of their neglect and inaction to pay my insurance company. It was their problem and they want me to pay to fix it, even after causing me to lose my solid insurance policy that I can never get back.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has repeatedly failed to correct inaccurate information on my credit report despite multiple attempts on my part. I have provided my drivers license as evidence to verify my correct name, yet Equifax continues to allow an inaccurate name to remain on my report. Despite my repeated requests and clear proof of the correct information, they have not updated my report, causing ongoing issues with my credit profile. I am seeking your assistance to resolve this matter and ensure that Equifax corrects this error promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payments on mycredit report. As you can see, I have always had a stellar payment record with these companies. TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

accordance with the Fair Credit Reporting act 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

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Golden XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Account Charge-Off and 1099-C Issuance ( Account Number : XXXX ) Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the charge-off status and potential Form 1099-C issuance associated with my secured credit card account ( Account Number : XXXX ). Based on the information in my records, I believe there are inaccuracies that need to be corrected. 
Dispute Details : 1. Inconsistent Charge-Off Status : According to my records, the account was charged off with a {$940.00} write-off and a past-due balance of {$940.00}, updated as of XX/XX/XXXX. However, my payment on XX/XX/XXXX, does not appear to be properly reflected in the account history. 
2. 1099-C Issuance : If a Form 1099-C was issued for {$940.00}, I request documentation supporting the cancellation of this debt, including the calculation of the forgiven amount and the date of cancellation. 
XXXX. Premature Charge-Off : I was not adequately informed or provided with reasonable options to resolve the account before the charge-off. Proper notification is required before such an action is taken. 
Requested Action : * Investigate my payment records and adjust the charge-off status if errors are found. 
* If a Form 1099-C was issued in error, please file a corrected form with the IRS and provide me with a copy. 
* Provide documentation supporting the accuracy of the charge-off and any tax reporting. 
Enclosed are copies of my payment records for your review. 
Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and a written response within 30 days of receiving this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in prison for 2 years during this time and they refuse to remove it