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

Due to the pandemic I cancelled my reservation, and was given a voucher to use at a later date. 

XX/XX/2021 XXXX - Call length ~160minutes On the evening of the XXXX of XXXX I booked travel using that voucher. The agent gave me the option to upgrade my reservation from basic economy to economy. The price difference was roughly XXXX vs XXXX. Minus my voucher I was told my total for the 4 seats for my family would be roughly another XXXX dollars. Which I did agree to pay the difference for the upgrade from basic economy to regular economy. When I received my conformation email the reservation for was basic economy. I brought this to the attention of the agent, and she was not really able to explain what I paid for other than a higher fare class. No explanation as to what the extra fee gave me. I know that I have 24 hours to cancel any reservation without any penalty. I told her to leave the reservation as is and I will call back in the morning. This call was well over XXXX and it was approaching XXXX. 

XXXX XXXX, 2021 XXXX - Call length ~ 56 minutes On the XXXX I called back and was told that they would review the call log and get back to me within 24-48 hours. As well as the agent was not supposed to allow me to lower my ticket in the first place. My original reservation that was cancelled was for a regular economy, they were not supposed to lower to basic economy anyway. 

XXXX XXXX, 2021 XXXX - Call length ~ 24 minutes On the afternoon of the XXXX I called and was told that I would get a call within 24 hours. 

XXXX XXXX, 2021 XXXX - Call length ~ 48 minutes ; dropped second call 27 minutes On the morning of the XXXX, the agent told me that she was going to resubmit the claim and someone would get back to me within 24 hours. 

XXXX XXXX, 2021 XXXX Called Chase directly to see if I can file a complaint against XXXX XXXX. 

With all that being said I would like to Chase to explain what they charged me for, and also explain why it is taking so long to review a call after repeatability being promise a different timeline. Also hold to their promise of giving me what I paid for, they have assured me that if that is what I paid for then they would honor it. I also was to point out the longer they take the more seats that are occupied and there is a possibility that my family will not be able to sit together. Lastly through their delay the rates of the flight have gone up significantly, and with this I will have to pay significantly more to sit with my family as well as receive the benefits of economy class. 

Since this was in the middle of the night I did send messages to @ XXXX on XXXX hoping someone would get back to me, as well as log my conversation. It was XXXX XXXX and did want someone to be notified as to what is going on. 

Agent information XX/XX/XXXX XXXX - XXXX I do not have the information of the person that booked my ticket. 

XX/XX/XXXX Case XXXX XXXX XXXX XX/XX/XXXX Case XXXX XXXX XXXX XX/XX/XXXX Agent XXXX XXXX XXXX Chase Sapphire Preferred Travel Number : XXXX Customer Service : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at XXXX XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice.

15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately.

Please see attached
Product: Debt collection

A month ago I checked my credit report and on XXXX it was showing that I have a derogatory collection from XXXX for {$96.00} for a medical collection. I have never received a written collection notice or received any phone calls in attempt to collect the debt. Upon calling the company all 3 phone lines listed on there website are dead lines and numerous attempts on a 4th phone number listed on the internet for the company. The 4th phone number just directs me to a message saying no one is available. I do not know how to pay this debt and get it taken off my credit report if I can not get in contact with the company that holds the collection. I have been trying for months now to get ahold of the business now to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

just check my credit report and have derogatories accounts that does not belong to me at all from I.C System INC, Amounts are : {$900.00} and {$1900.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. 

Need that removed from my credit ASAP its been really hurting my score!
Product: Debt collection

Greetings, I tried to communicate with this company by ancillary contacts and thru the credit reports. I.C System continues to harass me by reporting the debt monthly with a new start date on my credit reports. I have tried to deputed the collections several time and I.C. SYSTEM, INC continues to disregard me/the consumer, and the Law : 15 U.S. Code 1692c. which protect.
Product: Credit reporting or other personal consumer reports

Dear Experian, This letter is to formally request information regarding the methods used to validate accounts on my credit report. I am particularly interested in understanding the process employed to verify the accuracy of the following information : Account Name XXXX  XXXX Account Number XXXX Balance {$1300.00} Account Name XXXX  XXXX Account Number XXXX Balance {$630.00} Account Name XXXX XXXX Account Number XXXX Balance {$520.00} Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Account Name XXXX XXXX XXXX Account XXXX XXXX Balance {$510.00} Account Name XXXX XXXX  XXXX Account XXXX XXXX Balance {$2200.00} Account Name XXXX Account XXXX XXXX Balance {$590.00} Account Name XXXX XXXX Account Number XXXX Balance {$440.00} Account Name XXXX XXXX Account Number XXXX Balance {$950.00} Account Name XXXX XXXX  Account Number XXXX Balance {$650.00} Account Name XXXX XXXX  Account Number XXXX Original Balance {$1100.00} Account Name XXXX XXXX Account Number XXXX Balance {$0.00} The Fair Credit Reporting Act ( FCRA ) grants me the right to ensure the accuracy of the information contained within my credit report. Understanding the methods used to validate accounts listed above will allow me to better assess the information 's completeness and legitimacy per [ FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] Specifically, I would like XXXX to provide details on the following : The types of information used to verify account ownership ( e.g., Social Security number, date of birth, address history ). 
The communication methods employed to contact creditors for verification ( e.g., written communication, phone calls ). 
The procedures in place to ensure the legitimacy of the information received from creditors. 


Please furnish this information within 15 days of receiving this request per [ FCRA 611 ( a ) ( 7 ) ]. I appreciate your cooperation in this matter. 
Thank you for your time and attention to this request. 
Sincerely, XXXX XXXX
Product: Debt collection

I have called the company numerous times requesting a promise for deletion letter again today, XX/XX/XXXX, as has been provided for previous clients upon paying a collection. When I asked, I was told that it would be up to 60 days and at no point was I offered or explained to that I had to email Southwest Credit to request this letter until today when I explained that I was going to be contacting y'all. I do know that they record all phone calls and explained that my mortgage lender has a copy of said letter to a different client from back in XXXX. It is my understanding of fair debt collecting practices that a debt collection company can go from not offering the letters to offering them but can not rescind on that after affording at least one previous client the same service.

Thank you in advance for your time and prompt attention in this matter and I look forward to it being handled at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER XXXX DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. TRANSUNION XXXX
Product: Credit reporting or other personal consumer reports

The below accounts are not mine. I already notified the three bureaus and they have not responded. It has been over 90 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX
Product: Debt collection

They report something it does not belong to me at the time   XXXX   I did not have a social security number .How they can charge me for something it is not my debt.   I need this collection to be removed from my account it is affec ting my credit score
Product: Checking or savings account

Several months ago, XXXX withdrew the exact same amount from my checking account twice on the same day. I noticed it on my statement and assumed it was an error. 

During my call to USAA, they credited my account and " opened an investigation. '' Shortly thereafter, they returned the funds and informed me the investigation was complete. 

I tried calling XXXX for help at the same time. I wasted hours getting nowhere. 

After USAA returned my funds ( what I believed was the double payment ), XXXX immediately withdrew the same amount again and sent me an ugly letter saying my account was in arrears. 

I then attempted to get more help from USAA without any luck. 

I requested USAA coordinate with XXXX. I requested that tell me how they decided to refund my funds. I requested that they tell me how they would prevent this from happening again. 

The front line rep had no idea how to help me so I asked for a " manager of some sort. '' When asking the higher level employee ( I believe there is a euphemistic gaslighting title used instead of " manager '' ) to help, I was rudely and disrespectfully refused. That USAA employee also informed me that there was no one else at USAA who I could talk to to seek redress. He asserted that he had the authority to decline assistance and information to USAA members and that I, as a USAA member, had no further recourse.
Product: Credit card or prepaid card

Capital one quick silver market as spend {$500.00} to recevie {$200.00} bonus ( when I apply ), for the good credit, now become spend {$1000.00} to recieve @ XXXX bonus, I applied the capitalone quick silver, and spend more than {$1000.00} within 3 month, and I did not receive any bonus, I called quick silver, I got an explanation, that this promotion only applies for quick silver with excellent credit, I do have excellent credit from all three credit bureas, from my annual credit report, I have mostly over {$800.00} for past five years, capitalone told me my application automatically become apply for the capitalone quick silver with no openning promotion because I don't have excellent credit, I respond that that's not right, the automatic transfer to another credit card application without informing me is not right, and I do have excellent credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) 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: Money transfer, virtual currency, or money service

I filed seven claims against Zelle due to fraud that happened to me using the service. I sent the money ( {$2200.00} ) to someone I thought I trusted. I requested the money back from her multiple times, and once I realized I was not hearing back from her, I filed those seven claims shortly after. I received an automated response regarding the claims from Zelle Customer Service XX/XX/year>. I never received an update on the situation since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer credit file i noticed there were numerous inaccuracies that i the consumer didn't recognize, nor applied for. the account in question is : XXXX XXXX XXXX Bank and the account is ending in XXXX. This is inaccurate and should not be reflecting on my consumer account. please see identity theft report attached
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Resurgent Capital Services # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. Resurgent is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.