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

On XX/XX/2022 I made reservations for a round-trip flight for XXXX people with XXXX and United Airline XXXX XXXX  to XXXX on XX/XX/2022 and XXXX to XXXX - XXXX XXXX XXXX on XX/XX/2022. See exhibit A for details. 

On XX/XX/2022 I cancelled reservations within the XXXX hour time frame. 

On XX/XX/2022 XXXX confirmed my timely cancellation stating that XXXX payments of {$1000.00} will be credited back to my Chase XXXX XXXX XXXX XXXX within XXXX  days. See exhibit B. 

To date I have been charged XXXX times for the {$1000.00} and credited only XXXX  My Chase statement from XX/XX/2022 shows XXXX charges for {$1000.00} and XXXX credits. See Exhibit C. 

I have filed several disputes concerning this charge, the most recent on XX/XX/2022 claim # XXXX and have had XXXX feedback from the creditor concerning this. 

On XX/XX/2022 I called XXXX, once again explained the situation, and was told to upload documents. I was also told that a temporary hold was place on the {$1000.00}. 

On XX/XX/2022 I uploaded a letter with attachments. See Exhibit D. 

I now add to that letter of XX/XX/2022 Exhibit C from your own website which clearly shows that I was charged XXXX times and only credited XXXX. I do not owe this. There is no question that the re-bill from United needs to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Full Credit Sweep and Investigation of Inaccuracies Due to Data Breaches Dear Equifax Customer Care Team , I am writing to formally request a comprehensive review and full credit sweep of my credit report due to inaccuracies that I believe are the result of recent data breaches and/or unauthorized activities. My goal is to ensure that my credit report accurately reflects my financial history and does not include any erroneous or fraudulent information. 

Personal Information for Identification : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX I have reason to believe that my personal information was compromised and used in a manner that has led to inaccuracies and/or fraudulent entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I request that your agency conduct a proper investigation into all disputed items. 

Please remove all inaccurate, incomplete, or unverifiable information from my credit report immediately. Additionally, I would like to request the following : XXXX. A detailed explanation of the investigation process, including the methods used to verify the accuracy of the disputed items. 


XXXX. A copy of my updated credit report after the completion of your investigation. 


XXXX. Prompt resolution of this matter, including written confirmation of the removal of any inaccuracies. 



For your reference, I have attached copies of the following : A government-issued photo ID ( e.g., drivers license or passport ) A utility bill or other proof of address Please acknowledge receipt of this letter within 30 days and provide a response within the timeline established by the FCRA. Failure to address these issues appropriately may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal recourse. 

Thank you for your prompt attention to this matter. Should you need any additional information, feel free to contact me at XXXX or XXXX. 

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

Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.
Product: Debt collection

I have a debt of Bank of America which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.
Product: Debt collection

XXXX XXXX XXXX XXXX credit card information was stolen in XXXX and criminals used the information to spend over {$10000.00} at different stores. I was in fact in XXXX at the time. When I finally became aware of the matter I immediately contacted the credit card company but the case was already forwarded to Portfolio Recovery Associates LLC, a debt collection agency based in XXXX XXXX XXXXXXXX. I submitted abundant documents and the police report to the company and explained to them that I was a victim of identity theft, but to no avail. They reported it to the credit bureaus and I was immediately affected by the negative credit report. To make matters worse, the company 's reps kept writing and calling me on many occasions since XXXX and the most recent call was on XX/XX/XXXX. They have used many different phone numbers to disguise their calling ID. I have written down a few numbers they have used to harass me : XXXX ; XXXX ; XXXX, etc. Despite my protests of their calls, they simply ignore my pleas and have kept calling and harassing me. I told them to commence a lawsuit against me if they honestly believe that I owe them the debt, but they never did. They just employ the meanest tactics on their books with the hope that I surrender to their evil wishes. I will not.
Product: Checking or savings account

Marcus Bo Goldman Sachs has locked account and will not close my account and send me a check or wire
Product: Student loan

My Complaint is About A Grade Given to Me By An Instructor At XXXX XXXX XXXX. I Requested A Review Of All My Graded Assignments. I Emailed A Complaint To XXXX XXXX Concerning my Grades. Call Me At XXXX. I am Leaving XXXX XXXX For XXXX XXXX XXXX  And I Want All Federal Aid PAYMENTs To XXXX  XXXX to Be Cancelled Effective Immediately. XXXX XXXX XXXX XXXX XX/XX/2018
Product: Credit card or prepaid card

I have been a Cabelas XXXX XXXX card holder for XXXX plus years. I had one issue during that period that was easily rectified. In XXXX 2018 Cableas switch to Mastercard, during this transition I received no statement so I called them, I paid them over the telephone and mailed the remainder total amount due immediately that same day. I have never carried a balance over my 30 years of having a card. 

Since then I received a new statement {$1200.00} new balance, no previous balance, but includes an interest charge, {$59.00}! the interest charge they claim is based upon a pre-projected amount I usually charge of {$3900.00}!
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with XXXX. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Debt collection

National Recovery, the individuals allegedly persuing a debt of a XXXX XXXX bill, reported said debt to my credit report with no prior written notice of such claim, no account number associated with said amount due and no chance to pay debt, before they reported alleged debt to my credit. I deserve to have knowledge of said debt and a chance to reconcile such debt, before it impacts my credit score thereof. For such wrongful demeanor and unrelentness false reporting, I request the inquiry be removed. So, I have a chance to dispute such claim ( s ), before the claim has an impact on my CREDIT score, which National Recovery did not give me an option nor a written bill or any validation of said bill even existing prior to the reporting of alleged amount owed to the credit bureaus. 

Sincerely, XXXX XXXX ( Business Owner/Entrepreneur )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I began contact with Chase at the end of XX/XX/2022. Approximately XXXX XXXX, XXXX XXXX, and a few times in XXXX. I made contact with regular customer service and the military customer service representatives. One man in the military department was extremely misleading in that he stated I must open my account before my orders start to be eligible to XXXX benefits. I did so, and I got approved, and my Title XXXX activation orders were under review for XXXX ( which it will be approved ) ; However, Chase then told me I would still have to pay the annual fee BECAUSE I opened it before my orders started. If I get XXXX benefits, which include waiver of annual fee, and they do not apply that, they are in violation of the service members rights and protections under XXXX. 

I then stated I was basically lied to and backed into a corner. If I knew they were going to do this just so I would pay the annual fee, I could have indeed waited for the orders to actually start, and apply for the card to get the annual fee waived under XXXX. 

They would not help me in any way shape or form. Not regular customer service, and not the military section customer service. The sad part is I was approved for the Chase Sapphire Reserve card at a great limit, and ironically it came in the mail that same day they told me they weren't waiving the fee for me. 

I am so upset. This is added stress that I am supposed to be relieved from... 

To say I am extremely disappointed in Chase would be an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX continues with their fraudulent activities regarding payments made to my account. The statement due date for XX/XX/2021 and XX/XX/2021 show a monthly payment not processed and past due. The information is incorrect and there are no monthly mortgage payments past due. Please correct these errors and update the online monthly statements. Please stop siphoning my payments for fraudulent use. 

The escrow balance is incorrect. The amount of {$1300.00} is not the correct amount that should be in escrow. Please do an escrow analysis from XX/XX/2021 to XX/XX/2021. Please stop siphoning my escrow payments for fraudulent use. Again, I am requesting that any unapplied payments should go to escrow. Please stop reporting inaccurate information on the account and correct it. 

If the payments and escrow have not been applied appropriately, that means the Outstanding Principal of {$64000.00} is incorrect. Please correct. 

Again, stop siphoning money from my account for your fraudulent use and keep my payments current.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate. 
( XXXX XXXX ; Account Name : XXXX )
Product: Debt collection

XX/XX/21 I was seen in the emergency room but the treating physician. My health insurance is XXXX and for some reason this company didnt bill my insurance company and is choosing to emails me about the debt. Once I went to the emergency room and presented my XXXX at the point I know from my history of handling medical billing that I shouldnt be balanced billed or harassed with collect attempts. This scam company is notorious for going after poor, XXXX recipients and quietly adding charges on their credit reports. This company XXXX now XXXX XXXX is notorious for quietly adding bills on your credit. They shouldnt be balance billing or harassing XXXX recipients.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is that my credit card accounts are being returned when I paid them off. I believe I am a victim of identity theft and the person is using my credit card accounts to take money off once I have paid the bills on them. It has affected my credit as well, with the recent drop in a credit score of XXXX points from all three agencies. The money has not been sent back to my bank account and I have checked multiple times in my account. The funds have not been returned. I have been getting fraud numbers from credit card companies posing as credit card companies.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } This inquiry has no permissible purpose to be on my credit report. delete this inquiry due violation of 15 U.S.C 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } This inquiry has no permissible purpose to be on my credit report. delete this inquiry due violation of 15 U.S.C 1681b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } This inquiry has no permissible purpose to be on my credit report. delete this inquiry due violation of 15 U.S.C 1681b.
Product: Credit card

My wallet was stolen and fraudulent credit accounts were opened in my name without my knowledge.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX AZ XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

XXXX XXXX has no account affiliated with my name. They can not offer me any information. They are reporting negative payment history since 2019 and it is damaging my credit report. After my dispute a NEW ACCOUNT was opened without my knowledge!! I called and demanded that they close it immediately and DELETE THE PAST DEROGATORY REPORTS TO ALL ( 3 ) CREDIT REPORTING AGENCIES> they have NOT done this. I have disputed with all ( 3 ) Credit Reporting Agencies, only to have it show : " Updated and Accurate '' but when I call XXXX XXXX  they were not able to pull up an account associate with my NAME or Social Security number. Nothing. Yet, it appears on my credit reports?? Then a few months after my disputes, a NEW ACCOUNT OPENED with XXXX XXXX with a credit limit of {$850.00}!!!!! Without my consent. I called and told them to close that account immediately. This makes me wonder about our Credit reporting agencies really doing their job with investigations and accuracies and PROOF OF DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Here is the list of erroneous items found in my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all negative accounts that have been disputed and continue to be disputed as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXXcomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Money transfer, virtual currency, or money service

On XXXX I venmo the wrong use the user according to venmo declined payment however it was never returned to me, I payed the correct vendor and then venmo charged me the XXXX never returned to me.. and froze my account, I was told they would correct the mistake unfreeze my account and never did, nor did they go after the user who didn't do her part.
Product: Money transfer, virtual currency, or money service

I did a money transfer using Western Union from my personal savings account through XXXX. 

I received a MTCN number from XXXX saying my money is been released and I could pick it up. I am currently on travel in Texas. 

I have completed this action before without any problems. However, Western Union is asking for additional verification and a copy of my identification to be sent to their offices. My financial institution knows it is me-i then asked a Western Union to cancel the transaction-but they refused indicating I still had to provide identification. 
I want to cancel this transaction in its entirety under MTCN # XXXX.