23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2. 
This item remaining on my credit report is in violation of federal law. ( XXXX ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXX XXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.
Product: Credit card or prepaid card

I purchased international flight tickets with XXXX XXXX in Chase Travel on XX/XX/2022, a roundtrip from XXXX to XXXX for {$1500.00}. On XX/XX/2022, exactly a week before my intended travel date of XX/XX/2022, my friends who are traveling on the same flight but purchased tickets directly from the airline received an email about a flight change - a leg of the departure flight got cancelled so the airline automatically rescheduled us on a different flight. But the new flight schedule conflicted with the second leg of the departure flight, so the airline instructed my friends to call customer service. However, I did not receive any alert from Chase Travel at all about this exact situation. In the following days, I tried calling Chase Travel to help me reschedule with the airline, as I can't call the airline directly since I booked on a third party site. Through the multiple conversations I had with different agents, I got mixing answers on what the solution could be. I asked to escalate the case as my travel date was coming up, and I was promised a call-back from a manager, but I never received that call either. A Chase Travel agent told me they couldn't get in contact with XXXX XXXX, and another told me XXXX XXXX can't rebook me on another flight because there are no other available flights. 

At the end, I was forced to cancel my entire roundtrip ticket, and buy another new roundtrip ticket 4 days before the departure date, which costs {$3100.00}. The agent advised me to file a trip cancellation claim since the Airline cancelled the ticket. However, the claim was not accepted because the cancellation reason did not meet the terms, and Chase refuses to adjust the price to refund me the difference of {$1600.00}. 

I was then advised by Chase to contact XXXX XXXX directly for reimbursement/compensation. Interestingly, XXXX XXXX responded that they informed the travel agency ( in this case, Chase Travel ) of the flight cancellation on XX/XX/2022, in which I didn't receive any notification from Chase after this date. Furthermore, in their record, the travel agency did not " reach out to XXXX XXXX for guidance on alternate flight options. '' Overall, I'm very disappointed in the service I received from Chase Travel. Not only did they force me to pay more than double for my flight, they also relayed inaccurate message to me from the airline. When an airline cancels a flight, I'm entitled to either a full refund or get rebooked on another flight for free. However, I simply wasn't provided with the second option at all, even though I strongly demanded it. 

I already contacted Chase about this situation multiple times, but the best they're willing to do is give me 20,000 Ultimate Reward points, which equates to {$200.00} in cash value. But I paid {$1600.00} more out of pocket for this whole situation.
Product: Credit card

I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my XXXX report that no one seems to be able to correct. XXXX says they verified with Synchrony bank ( # XXXX. ) Synchrony bank ( # XXXX ) says they do n't handle credit card divisions of the XXXX creditors- JC Penny , Lowes and Old Navy . Synchrony bank gave me another phone number to call, and they answered identifying themselves as Synchrony bank ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first Synchrony Bank ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the Synchrony ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have XXXX balance. They gave me number to another Synchrony Bank ( - # XXXX ) XXXX who tells me they have the same information that I have showing XXXX balances, and dont have any idea who the " other '' Synchrony Bank ( # XXXX ) is. Synchrony bank ( # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with XXXX. XXXX tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with XXXX to drop by XXXX points. I have been turned down for a loan due to this. Synchrony bank told me to write to to FCRA. When I look up information for FCRA- it sends me to -- CONSUMERFINANCE.GOV! 
I have a XXXX balance with Old Navy and JC Penny. My balance with Lowes is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from XXXX ONLY XXXX I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from XXXX today says they " verified '' this information with Synchrony bank and it is staying on my report Obviously they did not verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains as paid. Please be advised that I am requesting that these items are removed immediately. I have attached the companies reponse stating that they requesting that all three credit bureaus remove the following accounts from my credit files on XXXX XXXX XXXX Account numbers XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX OF Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX FIN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX po box XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I revoked authorization to charge my bank account a week prior to the payment being due and was charged anyway. When I addressed with the company, they acknowledged that they were wrong but have yet to issue my refund. They continue to stall and I have yet to receive my refund over 2 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX TX XXXX. I purchased a XXXX XXXX from " XXXX XXXX XXXX '' XXXX in XXXX TX. This transaction occurred on the 21 day of XXXX 2017. XXXX XXXX XXXX financed the sell and they obtained the necessary hard credit inquiry. In addition to XXXX XXXX inquiring into my credit, " Gateway One Lending & Finance '' a tcf bank company, also pulled my credit score. Also, on or about XXXX XXXX, 2017 " XXXX '' placed a hard inquiry which appeared on both XXXX and XXXX. Both credit bureaus decreased my credit score as a result of these inquiries. I have contacted both agencies and both agencies are not willing to delete the hard inquiry despite evidence, in the form of a letter from XXXX XXXX XXXX, indicating they were in error and requested that the inquiry be deleted. As you will see in the enclosed letter, they speak of me a being a " Valued and Loyal '' customer. In fact, XXXX 2017 I purchased a XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. So there really was a need to seek financing as I had it already previously secured and XXXX XXXX XXXX routinely do business with XXXX XXXX XXXX. I will submit a letter from " Gateway One Lending & Finance which has all of the information that I speak about. The " XXXX '' in a large lending institution who inquire for mortgage lenders, automotive sellers and other entities. I do not have their address or other information. I did get their phone number from the internet. I would appreciate any and all assistance that you can provide in this matter. Thanking you in advance, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Tried depositing my payroll check to cover my overdrawn account and now they are closing it and not allowing me access to my account online or via app.
Product: Credit reporting or other personal consumer reports

On XX/XX/ 2023, I wrote Experian requesting that they remove all inaccurate names and update to my legal full name. They list 4 names for me which are inaccurate. 

I mailed Experian the required documents, social security card, driver 's license and also a copy of my electric bills as proof. All documents confirm my full name and address. 

I made this request because I am deeply concerned about identity theft and should have only one name on my credit report. 

This request was sent via XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX. 

Experian has not updated the personal name information on my credit file, leaving me exposed to potential identity theft.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  by the name of XXXX and assistant XXXX told us that we are able to leave the complex XXXX weeks before our lease ended to avoid any interruptions. XXXX harassed us on a daily along with other tenants. XXXX would get mine and other tenants cars towed on a daily. XXXX sends out charges that arent accurate or she doesn't provide written forms. it was the worst experience living there, she tortured the whole complex but my building got the most heat because its in the front of the complex by the office. so XXXX stated she will help us get out of our lease if we agreed to leave a certain date, write a letter to them stating we agreed to leave on a certain day. we complied with the agreement and left with no damages or harm. i received a call from XXXX requesting that we pay her for water damages to the apartment that were on the ceiling. Myself, the joint tenant and our XXXX XXXX XXXX daughter lived at the XXXX apartment. we also reported so many times and nothing was done about it. i know XXXX and XXXX helped each other out to get money out of us and others due to the company facing charges and upcoming lawsuits at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On -- -- -XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit card or prepaid card

Contacted Barclays in XXXX regarding unauthorized change of address, phone number and email. Asked for corrections to all of the aforementioned changes and for current card to be canceled and issued a new card. Confirmed that the address was corrected. A new card was issued, but it was sent to the fraudulent address and was used on 4 separate occasions : XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$200.00} ), XX/XX/XXXX ( {$170.00} ) and XX/XX/XXXX ( {$150.00} ). I called on XX/XX/XXXX and again asked for my information to be corrected as it was NOT corrected as previously requested. I had the card with the charges cancelled and again a new card issued. I was told that the I would receive a letter to confirm the reversal of the charges. New card was received, as well as a letter stating that the charges were fraudulent ( XX/XX/XXXX ) and my account would be refunded/corrected. The charges were reversed and then out back on my account. I called again XXXX, end of XXXX, beginning of XXXX and most recently XX/XX/XXXX and XXXX. The charges are now said to be valid. I have filed a police report, fraud report with the FTC and frozen my credit information with all three credit bureaus related to these charges, as well as charges made to my XXXX credit accounts. Fraud alerts have been issued with all 3 credit bureaus, XXXX and XXXX ( merchants that also had fraud related issues ). XXXX, without delay or question, resolved all issues.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

I opened up a claim with wellsfargo bank XX/XX/2020 and filed a police report because I had some transactions on my account that I was not aware of. The representative that I spoke with was so disrespectful. I expressed to her I had just done XXXX not even 24 hours and I might sound a bit dazed out because of the medication but I know for a fact the charges that are in question is not authorized by me. I knew from her attitude and the way she was talking she was insinuating that it was me. She kept asking How would someone know your pin I said you just told me that the charges werent pin authorized and my PIN number is the last 4 of my social. I am not sure where I lost the card or where it was taken from because I was staying at a recovery home with strangers. I got no follow up on the claim I called several times later that day I got to someone who said the claim didnt go in my favor. I asked them how did you do a thorough investigation in the matter of days. What evidence do you have that states that the charges were authorized this is insane I need my money and I need to see the work that was done I had a almost {$3000.00} charge on my card and your telling me you came to the conclusion that it was me because they didnt empty the account this is XXXX. I told them I need them to open back up the case and do a real investigation and dont give me that XXXX. They told me it was final and they couldnt open the case back up and I had to take it as a lost and put me on hold just to hang up on me. I desperately searched for someone who I could talk to and I talk to someone on the customer complaint line who helped me but I still didnt get a call back from anyone I still had over XXXX $ in this account. I got a letter today stating that they are shutting down my account so you didnt do an investigation and you are closing me out of my account just so you dont have to pay me back my money this is by far the worst bank I have ever banked with people stay away I am really looking to take legal actions towards them I know {$2800.00} is not that much but it a lot for me especially since I stand in the hot sun XXXX XXXX all day I work hard for my money. I wasnt treated fairly at all my money is suppose to be secure so if a Tragedy like this happen I would expect my bank to back me up and investigate properly I have text messages that I replied back No to stop the transaction its not me people stay away take your money else where its not worth the headache I will not stop until I get my money back. This is the second time Wells Fargo had wronged me years ago they shut down my account for no reason and 3 years later they sent me a letter apologizing saying it was an error and no fraud was found on my account and I can open a new account after they made my life a living XXXX because I was obviously flagged with other banks because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account XXXX 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 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 under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Credit reporting or other personal consumer reports

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue!

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX