23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase Sapphire Reserve travel insurance is not honoring their travel insurance benefit. We had a trip planned to XXXX and were about to leave on XX/XX/ when my father collapsed at the airport and was rushed to the ER. He was traveling with my wife and I. We missed our flight which was required to reach our cruise on XXXX Due to his medical diagnosis he was unable to travel out of the country ( letter from Dr and discharge papers from hospital provided ). We had to stay and take care of him. 

I submitted a covered claim on XX/XX/ for {$19000.00} ( the total cost of the XXXX cruise for my wife and I ). The claim # is XXXX. I have had to upload the same XXXX travel cancellation document 4 times before they finally accepted it, but now we are once again back to them not understanding that XXXX did not provide any travel credits or refunds even after accepting the document. Apparently since the claim is over {$10000.00} someone at Chase has to approve it, but they can't find the " Travel ID '' number. No one can tell me what that is or why what I have provided does not already include that. 

I have provided birth certificates, marriage licenses, bank statements, proof of cancellation direction from the common carrier, medical discharge statements , Dr XXXX notes, invoices from XXXX, Itinerary, and the ticket contract for XXXX 

Note that this travel was not booked through Chase Travel, but directly through XXXX using my Chase Sapphire Reserve card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by TransUnion, XXXX, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the XXXX XXXX XXXX program ( XXXX XXXX : XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 were XXXX due to recognized deceptive practices by XXXX XXXX, and this discharge is supported by formal letters from XXXX XXXX XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from XXXX XXXX XXXX. 
Copies of all disputes submitted to TransUnion, XXXX, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Bank account or service

Bank : Chase Bank Type : Business Checking Account number : XXXX In XXXX 2015 XXXX fraudulent checks were written on my business account. We contacted the bank immediately we noticed the XXXX fraudulent checks and gave them the XXXX checks information. We were advised to close the account which we did and we were assured that the monies will be refunded. Months later we noticed that only XXXX of the XXXX checks were refunded. We called the bank to find out why the checks for the amount of {$640.00} and {$570.00} were not refunded. We were shocked to be told by chase bank that we should have inquired about the status of the refund for the remaining XXXX checks within 60 days even though we filed the complaint for the XXXX checks within their required 60 days from the day the checks were cashed. For this reason they denied the claim for refund. Chase bank is now saying that not only should we have filed the complaint in 60 days which we did but we are also responsible for making sure that the claim is completed in 60 days. If a claim extend beyond 60 days and someone inquires about it, then the claim is denied. I think this is unfair business practice.. 
Please kindly look into this matter
Product: Debt collection

A company name XXXX XXXX XXXX XXXX, claiming to be working on the behalf of Jacobs Marsh, LLC has been calling and leaving threatening messages to me and to my wife about credit card debt that I cannot verify is actually owned by this firm. The original debt was owned by XXXX but I have no idea who this firm is and if they are legitimately authorized to collect this debt. I asked them to provide a validation of debt and they refused.
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 XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1

681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 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 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 filed for bankruptcy but I still have the account appearing on my credit report because Walmart switched the credit card company who serviced their accounts from Syncbank to XXXX. It is the same debt and the Syncbank closed account should show bankruptcy not show the payment history since its the same Walmart debt that shows bankruptcy with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately a few days ago, I filed a dispute with Transunion due to the incorrect reporting or lack of reporting with the inaccurate balance of {$350.00} from XXXX on my report. I have completing paid this balance down to only a {$4.00} balance, thus I filed a dispute so Transunion can look into this problem and XXXX had actually updated my balance correctly and my credit score went up 17 points. However, I checked my Transunion credit report and discovered that they are reporting again that I am over the limit with a balance of {$350.00} with my XXXX account. This is fraudulent reporting either on part of XXXX or Transunion. I have only a balance of {$4.00} and have maintained this balance since paying down my balance from {$350.00}. XXXX or Transunion are reporting inaccurate information to the credit bureau, Transunion. Transunion and credit reporting are responsible for reporting accurate information and neither of them are reporting accurate information. I have pictures of where it is showing that my Transunion score went down 17 points due to inaccurate reporting by Transunion and/or XXXX. I have attached my current balance of my XXXX account. 

I called someone named XXXX with an ID of XXXX at Transunion and told him of the above issue and he told me I have a split file with Transunion and this is not a problem that I can fix and that transunion needs to fix it. I think this error on transunion 's end is causing my credit score to bounce up and down and report inacurracies on my credit report. This needs to be fixed immediately. 

Also, I am unable to logon to my Transunion account for this 'split issue ' error.
Product: Payday loan, title loan, or personal loan

My XXXX XXXX XXXX was originally financed thru SunTrust. Within a year or so it was bought out by Truist Bank. The truck was totally around the XXXX of XX/XX/XXXX. I was told on XX/XX/XXXX. That I still owed XXXX XXXX and some XXXX to finally close this account. A made XXXX, XXXX, and in XXXX I paid the difference in the balance and the GAP payment. After my insurance paid, GAP paid and I paid the difference in GAP. I talked to several people though this entire process and not one of them ever told me that Truist will not back date to the date of loss. It is unfair. The lady I talked to on XX/XX/XXXX, told me that SunTrust did back date total loss account but Truist Bank does not back total loss accounts. The account still has interest added and will until the balance is XXXX. Their policy is to not back date any total loss account and all she could do is wave a XXXX XXXX late fee because I didnt made a full payment and the balance was not XXXX. All this time Im thinking they are going to back date the funds and not one employee told me they dont NOT one person. Why demand a total loss date when Truist Bank knew they would Never honor it. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted Carmax to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Product: Credit card or prepaid card

I ordered a replacement card from Amex, which they fedexed to me. The XXXX got lost. Now amex refuses to replace the card they lost. NOTE : this is in relation to my business gold rewards card NOT my XXXX XXXX  ( whose number I provided )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple account of XXXX on my Experian credit report that was not open by me. This has been hurting me as I am in the process oy buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit card or prepaid card

Members of our sales team received XXXX pre-paid gift cards as part of a sales incentive. In California, we are accustomed to cards not expiring w/in a year or if they do expire, we can pay a fee to have the card replaced. As of now, we have 3 employees that can not access their funds. One amount is over {$2800.00}. Omni Card is stating that they are " driven by the contract settlement when the cards we purchased '' and that " the cards that were purchased are not prepaid or credit cards but reward or promotional gift cards. Loyalty, award, or promotional gift cards are not subject to extending expiration dates ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from XXXX on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on XX/XX/XXXX.
Product: Debt collection

Requested verification of debt. Also requested other legal information for which the company did n't provide apart of this collection attempt. Also advised the collection company that the company they are collecting for is not a debt I owe. I am current with my   XXXX   XXXX    account.
Product: Credit reporting or other personal consumer reports

I am formally disputing the collection account reported by Hunter Warfield as it is inaccurate, unverified, and should not be on my credit report. I am requesting its immediate removal from all credit bureaus.

Reason for Dispute & Basis for Removal : 1. Unverified Debt : Hunter Warfield has not provided sufficient documentation proving that this debt is valid, accurate, or legally owed by me. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this account, which has not been provided.

2. Inaccurate Reporting : The details of this account, including the balance and status, appear incorrect and do not match any records I have. Any reporting of inaccurate or unverifiable debt is a violation of my consumer rights.

3. Failure to Provide Proper Notification : I was never properly notified of this debt, nor was I given the opportunity to dispute it before it was reported. This lack of due process further supports the need for removal.

Since Hunter Warfield has failed to provide valid proof of this debt, I demand its immediate deletion from my credit report per FCRA guidelines. If this account is not removed promptly, I will escalate this matter with legal action if necessary. 

Please confirm receipt of this dispute and provide a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed a dispute open on my experian report that I did not open. I called experian and spoke with a manager who explained it was an error made on their end, so I demanded that it be removed from my report as I did not authorize or request the dispute to be open and that the representative of experian who misused my sensitive personal information be fired, the supervisor then proceeded to hang up on me, I called back within minutes and was told I was unable to speak with any supervisor at all.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX was my birthday, my son XXXX gave me {$500.00} and my Husband gave me {$100.00} total of {$600.00}, in the same day at XXXX I contacted Cash App cashing my money to my bank account normaly it takes two to three days, when i checked my bank account the money was not there, then I checked my cash app acount and found out they transefer my money to XXXX debit and that person paid cash app fees of {$9.00}, then I contact Cash App to let them know that I did not casp up my monry to this person with XXXX debit and myself I don't have XXXX and also I let them know that you have my account, my bank information, my name, my address, my phone, They keep telling me that I autorized the transcation that they investigated, now I asked them to give me that person information they could not provide me with the informations they keep teeling that the transction was autorized, I know for sure You not do cash App transction without having cas App account, why they refuse to provide with necesary information????, I contacted XXXX same responseXXXX XXXX  give your information, I'm a XXXX XXXX XXXX living in fix income I don't see why I will autorized unknow person to cash 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. 


Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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: Mortgage

XXXX XXXX XXXX XXXX and Select Portfolio have colluded and are trying to foreclose on our property on XX/XX/XXXX stating that we owe {$840000.00} which we dispute. We reached out to SPS, an agent for XXXX XXXX XXXX ( the foreclosers ) for help with paying our mortgage payments back in XXXX and we were directed to go on the website for California Mortgage relief and seek help which we did. The CA mortgage relief organization reached out to SPS and requested for the amount that were past due in order to keep us in our home. SPS gave them a figure which the CA mortgage relief organization paid, almost {$35000.00} which was acknowledged by SPS. ( See attached Exhibits ). 
SPS, instead of continuing us on the regular monthly payment of {$2400.00}, increased our monthly payment to almost {$6000.00} in an effort to foreclose on our property knowing that we could not pay the {$6000.00} We were not able to pay it and now they have referred our home for foreclosure sale on XX/XX/XXXX. SPS and XXXXXXXX XXXX XXXX have operated in bad faith and have not dealt with us fairly. We believe that it is fraudulent to let the state pay all that money and then turn around to foreclose on the property. The CA mortgage relief is a program to help people get caught up with their mortgage payments and to help them retain their home. Instead, SPS and XXXX XXXX have used it to siphon out {$35000.00} from the state and have refused to place the arrears at the end of the loan in an effort to keep us out of our home. 
This foreclosure sale is illegal, invalid and procured by fraud. All we are asking is for us to continue making the {$2400.00} monthly payments starting from XX/XX/XXXX and for the arrears to be added to the back of the loan.
Product: Credit reporting

We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XX/XX/XXXX. We are trying to get TransUnion to remove it from my credit report as it was paid off in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. JPMCB CARD is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency is reporting that I was late on a closed account that I had with XXXX XXXX XXXX XXXX. I disputed this, and the credit reporting agencies have ignored my requests. My payments were deferred in 2020 due to covid so how could there be a late payment reporting. I contacted the creditor, and they informed me that none of the credit bureaus have reached out to investigate the account I disputed. How are you reporting in inaccurate account that you have yet to verify when I have informed you that it was incorrect? I am demanding that this late payment is removed, and the account is updated immediately. I have already tried to remedy this so I am expecting an update within 15 days or I will be moving forward with contacting the registered agent to move forward with legal action.