23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I booked a flight through the Chase Travel portal using my credit card for {$1000.00}. Later on, the flight was changed by the airline, so I requested a cancellation and refund through Chase. 

I called Chase sometime in late XXXX, and asked that they refund the ticket as the flight schedule has been changed. Chase told me that the fare was refundable as long as I paid a {$250.00} fee. I agreed to pay the fee in exchange for the refund. 

On XX/XX/XXXX, Chase charged me {$250.00} as agreed upon, but then on XX/XX/XXXX, they refunded me {$250.00}. 

When I called again, they said that the ticket is actually not refundable and that there was miscommunication. They had instead turned the ticket into flight credit without my consent and I had to now call Chase if and when I want to use the flight credit within the next year. I had them listen to the past recording of my previous call with them where they falsely communicated to me that the fare was refundable if I paid the fee. They agreed that it was falsely communicated to me and said they would again pursue refund. But, they have not refunded me the money. It has been 2 billing cycles since they said they would refund me the money ( {$1000.00} ) in XXXX. 

Then, I called again on XX/XX/XXXX, and now the refund fee is {$260.00} which they charged on XX/XX/XXXX. They have again yet to refund me the money.
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 : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF EDXXXX US DEPT. OF EDUCATIO XXXX 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 : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO Equifax Information Services LLC 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 : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the following accounts on my credit report, which I believe contain inaccurate information : XXXX Bank Account XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Upon reviewing my credit report, I have identified discrepancies in these accounts that are not accurate or complete. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ), I am demanding a procedural investigation into the accuracy of these accounts.

I request that you promptly investigate the disputed information and remove any inaccurate accounts from my credit report without any further delay. 
Please provide me with a written confirmation of your receipt of this dispute and an update on the status of the investigation within 30 days. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, 2018 XXXX : {$5200.00}.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 1ST FRANKLIN FINANCIALXXXX  Account number : XXXX
Product: Debt collection

The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now  have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.
Product: Student loan

As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 

Thank you for your service
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

I received a collection letter on XX/XX/XXXX from Transworld Systems Inc., regarding a " past due '' account balance of {$240.00} I supposedly have with XXXX XXXX XXXX ( XXXX ). The letter is dated XX/XX/XXXX. It provides no detail regarding the when this account balance is from or what it relates to. There is no way of verifying this information to be valid without calling XXXX and providing them with my personal information and " account number '' listed on the collection letter, since I have no current account with them. I refuse to provide them with this information with no current account. I have not had an account with XXXX since XXXX of XXXX and have received no form of correspondence from XXXX notifying me of any outstanding balance since then. It is absolutely ridiculous that I can receive a collection letter for a company I have not even had an account with in well over 3 years and no way to identify what the debt could be relating to. 

I find it very unethical of XXXX and Transworld Systems to attempt to collect a debt without providing any information regarding when and where the debt is from or any way to confirm its validity ( I don't believe it to be ). I am attaching a picture of the letter I received, for reference. I hope the CFPB can assist me in resolving this, so as not to negatively affect my credit score. Thank you.
Product: Mortgage

I have been trying to restructure the mortgage on my home for the past few years. I had to go on XXXX. Wells Fargo refused to work with me until I started receiving Social Security XXXX payments. This took approximately XXXX years. When I did have the XXXX payment income I applied for restructuring but Wells Fargo said I did not qualify for any programs. THEY NEVER TOLD ME WHAT WAS REQUIRED TO QUALIFY. In XX/XX/XXXX I started working for my present employer XXXX. XXXX I was forced by Wells Fargo to fill out an entire new application ( I have done this at least XXXX times ) for mortgage assistance. I submitted a new application on XX/XX/XXXX. XXXX Wells Fargo is asking for a profit and loss statement. My application included a profit and loss statement from XXXX XXXX until XXXX XXXX. About XXXX weeks later I was contacted by XXXX XXXX of Wells Fargo and she said I had to send a profit and loss statement for the XXXX financial quarter and that had to be XXXX days long. I asked how was I expected to include the entire month of XX/XX/XXXX when I made the application on the XXXX of XXXX? After sending in a revised statement covering the entire XXXX days At the start of XXXX I was asked to submit statements from XX/XX/XXXX and XX/XX/XXXX since they were taking so long to review my application. At that time I asked what else they would want next? More bank statements? another application? Enough is enough. I was just recently asked to submit profit and loss statements for XX/XX/XXXX, XXXX and XX/XX/XXXX despite XXXX previously telling me they already have them. I feel that these delays and lost documents are intentional and the entire time the meter is still running on my mortgage. Currently my mortgage is about {$100000.00} but I owe over {$62.00} in missed mortgage payments.But those monthly payments included about {$300.00} a month that would be applied to the principle. In other words if I was able to pay off the entire {$62.00} past due my principle would drop to under $ XXXX.So if you deducted the money that would have been applied to the principle and then eliminate the monthly late payments that Wells Fargo continues to add on I basically would owe about {$130.00} principle and interest. That balance with a 2.75 % interest rate and my monthly mortgage payment would be {$690.00} THE AFORDABLE PAYMENT I WAS LOOKING FOR OVER XXXX YEARS AGO. Wells Fargo was willing to foreclose on my house and sell it for only {$100.00} so why ca n't they give me an affordable payment? And why are they continuing to delay working out a positive solution? I am XXXX and a veteran. I should not have to be fighting to keep a roof over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX   XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my writt en instructions.
Product: Credit card

Hello, Please help us investigate and resolved amount of {$2000.00} under XXXX XXXX XXXX with an error, no authorized. However, I dont know my Chase bank account or XXXX XXXX gave me partial credit no fund refund. I noticed both of them told me have to wait now 1 year no full refund. I noticed XXXX XXXX insurance also do document fraud on us. 
Please help us get the money back. Thank you!
Product: Credit reporting or other personal consumer reports

I checked my credit reports on XX/XX/2024, and noticed that these accounts are still reporting inaccurate information. I have provided documentation to fix these accounts but nothing is getting done. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report I provided previously it showed no late payment for the closed XXXX account and you keep putting XXXX on my report when it's a 1099-C with legal paperwork from XXXX telling you to delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments when I in fact had XXXX XXXX XXXX XXXX XXXX  and legal paperwork under the cares act late payments are not allowed because of a XXXX XXXX
Product: Checking or savings account

Consumer Financial Protection Bureau Re : Complaint Regarding Erroneous XXXX XXXX Payments - Ally Bank Dear CFPB, This letter constitutes a formal complaint against Ally Bank regarding a series of erroneous bill pay payments processed through their online banking platform. 
Issue : Between XX/XX/XXXX and XX/XX/XXXX, I scheduled four separate payments to XXXX XXXX c/o XXXX, XXXX, XXXX XXXX XXXX, XXXX, PA XXXX all for the amount of {$970.00}. These payments were part of a recurring payment sequence intended to be sent to XXXX XXXX XXXX, XXXX, PA XXXX and credited to the account XXXX and to be delivered on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. 
The intended recipient, XXXX XXXX  c/o XXXX, XXXX, which is a division of CUSTOMER BANK and NOT a telecommunication company, had never received the payments that I had requested to be delivered to them. 
However, upon reviewing the cached checks copies of which were provided by Ally Bank, I discovered that these payments were instead sent to the following company as seen on the enclosed checks : XXXX XXXX XXXX XXXX XXXX, OH XXXX So, it appears to me that, for the reasons unknown to me Ally Bank had sent the payments to a wrong payee and the wrong address. The payments were never received by XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, PA XXXX and, it seems, were cached by a company that I have no relationship with. 
Impact : Funds Loss : As of XX/XX/XXXX two of payments were withdrawn from my Ally Bank account. 
Non-Receipt by Intended Recipient : XXXX XXXX c/o XXXX, XXXX has confirmed that they did not receive the funds for any of these payments. 

Attempts to Resolve the Issue : I have contacted Ally Bank customer service on XX/XX/XXXX via Phone to report this issue. I had spoken with an Ally Banks representative XXXX, who, after 81 minutes of me being on the phone, has not provided me with any usefull information on whether Ally Bank will investigate the issue and retrieve the funds incorrectly withdrawn from my account. 
I believe Ally Bank is responsible for these erroneous payments and has failed to adequately address this issue. 
Request : I request that the CFPB investigate this matter and take appropriate action against Ally Bank, including : Refund of all erroneously paid funds. 
Compensation for any incurred fees or damages resulting from these errors. 
Corrective action by Ally Bank to prevent similar errors from occurring in the future. 
I have attached copies of the following documents as evidence : Cashed checks for the two of the four payments. 
Correct payee information from Ally Banks XXXX XXXX service to which the payments were intended to be sent. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/2018 and TD Bank ( Raymour and Flannigan line ) charged off my account and is showing I still owe a balance on the credit report, but still filed their proof of claim. When disputed with the company I was transferred several times and finally ended up with a gentleman who informed me that I was out of luck to fix it.
Product: Credit card or prepaid card

I the consumer applied for credit through American Express XX/XX/2020 and was unlawfully denied after I filled out a application ( negotiable instrument ) with signature. I have taken all the necessary steps to ensure that my credit profile remains in good standing. Therefore, I believe that the adverse action taken against my application is in violation of the relevant regulations and I will ensure that my credit standing remains in good standing.
Product: Credit reporting or other personal consumer reports

FTC Report Number XXXX XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, XXXX and XXXX, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with Veros Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from XXXX. I did not give permission to Veros Credit to check my consumer report. If you notice the alleged account was opened on XXXX, So why is Veros Credit pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the XXXX and XXXX credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX