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

I received an email confirmation on XX/XX/2019 at XXXX mt stating that the dispute that I submitted in XX/XX/2019 was completed and the  investigation was closed. The email offers a link for me to check my results and each time that I click on the link, provide all of the correct information about myself, I received a result stating that more information is needed before I can see my results. I contacted Equifax by phone and spoke to a representative. The entire conversation was terrible due to a huge language barrier between the representatives and I. I could barely understand anything that she said or asked because of how strong her foreign accent was. I provide her with information and still left the phone call with no information on my results. I was told more information was needed for personal identity purposes. I'm very frustrated with Equifax and how difficult it is to solve and receive results of disputes. I've had perfect results and assistance with XXXX and XXXX but Equifax has a horrible online dispute system and many employees that aren't speaking English clear enough for consumers like myself to understand them.
Product: Credit reporting or other personal consumer reports

i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We went to a XXXX restaurant called XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/2018 because they ran a 50 % off deal on XXXX. But when we were ready to pay with the XXXX, XXXXXXXX XXXX manager, XXXX, told us the deal was fake and they would not honor it. We asked the manager who would run a deal for your restaurant on XXXX other than yourselves. XXXX did not answer my question and insisted we must pay full price. 

After we paid the bill in full, we contacted XXXX about the restaurant claimed XXXX ran a fake deal for the restaurant. XXXX assured us that XXXX had no incentives to run fake deals for any company. And in fact a merchant must contact XXXX first before XXXX would run a deal for them and get commissions. 

So at this point it was clear that XXXX ran a scam to get people into their restaurant thinking they would get 50 % off the bill but XXXX had no intention to honor the deal. Then I disputed this charge on my credit card which was issued by JP Morgan Chase because I did not receive goods or services as agreed. 

JP Morgan Chase completely ignored the problem XXXX ran a scam and insisted I must pay XXXX because XXXX provided service. I tried to explain the situation that XXXX ran a deal on XXXX but had no intention of honoring the deal to JP Morgan Chase 's representative. But my words were fell on deaf ears because the representative kept repeating " I understand but you need to pay the merchant. '' The representative had no understanding of Consumer Credit Protection Laws. 

My wife also complaint about this on XXXXXXXX XXXX XXXX page and XXXX 's response was " I'm very sorry for this situation. We talked to XXXX about a deal but decided not to run it. However there was a miscommunication and it was posted. This was our mistake. '' So I forwarded XXXX 's response to JP Morgan Chase as proof that XXXX did not run fake deals and proved the point XXXX did contact XXXX to run a deal. But JP Morgan Chase did not care and still asked me to pay full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax this credit bureau is strange, i have credit for many years now and i paid off my card balance recently and one of my credit card credit limit increased {$2000.00} and they dropped my credit score XXXX points which is unreasonable and very disappointing as a consumer I did not understand why that is happening, it is not their business hour and i am not able to reach anyone but they can drop my credit like that, if they will not give my score back i'll file a law sue to equifax.
Product: Student loan

My daughter 's students loans began in XX/XX/XXXX and the full amount that was borrowed was {$44000.00} by XX/XX/XXXX. Her repayments began in XX/XX/XXXX, and the interest had been added to the accounts up to this point. 

She has been making payments, which are spread across all of the small loan amounts separately, and her total payments so have been {$18000.00}. Despite this amount of payments that have been made, her balance on all loans is {$43000.00}. Which means that less than {$1000.00} of more than $ XXXX has been applied to the principal of these loans. 

Now, as a parent, I realize that part of the responsibility of the loan agreements and terms is our responsibility. She has a teaching job where she is being paid $ XXXX a year, and she is waiting tables in a restaurant to try to make ends meet. I have recently finished my degree, and I am now looking into helping her pay off her student loans. Despite the blame that may be debatable in terms of taking out the loans to get her through college, I find that the practices of NAVIENT and the banks that support these loan practice to be criminal. Yes, we need to do a better job helping our your adults understand the terms of debt, but I would also add that the student loan practices in our country are only in the interest of big banks and NOT in the interest of helping kids through college. I am so angry and I am looking at joining and giving power to any class action lawsuits that will help to rectify this for our college graduates. 
With regret and anger, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed that there were 3 wire transfers out of my checking account to an unknown person named XXXX XXXX. With no knowledge of this person or any reason why money would be transferred out of my account, I immediately contacted Navy Federal 's customer service line, where representatives assisted me in filing a fraud claim over the phone, signing a fraud affidavit, contacting local law enforcement, and closing my compromised account. 

However, since XX/XX/XXXX, the only communication from Navy Federal has been the detail-less denial of my claim without any evidence or consideration. I have been repeatedly stonewalled by customer service representatives that do not who to refer me to, if anyone, where I seek information to properly get my money back. I have only received two communications -- one denying my claim without any context, and another denying my appeal without any context. Navy Federal Credit Union, its fraud team, and its customer service staff have been negligent in properly investigating the loss of my money in a fraudulent transfer, and have not helped whatsoever in the investigation by XXXX XXXX Police Department, nor forwarding any information that may assist me. 

Navy Federal Credit Union has all the information necessary to approve of my fraud claim and forward information to law enforcement in order to stop this fraudulent activity, and has clearly no respect for their customers. They have the banking information of my old bank account, including the time, date and account number of the fraudulent transfers, but I am getting detail-less denials that there was any wrongdoing.
Product: Credit card

Subject - Ref. XXXX / Disputed charge of {$260.00}. XXXX Dear Customer Service, On XXXX, XXXX XXXX, I made an on-line reservation to obtain a hotel room at approximately XXXX. I checked out the hotel at XXXX. In the parking lot, there was an incident with my son where he was called a derogatory name. ( He was called the XXXX word. 

I went to tell the front desk, but they were busy. My family did not feel comfortable. I called XXXX customer service immediately. ( The time was around XXXX. ) They provided verbal confirmation that this hotel room would be cancelled. 

I was also communicating through the chat where they told me the same thing. They were very apologetic. 

I had the room on hold for maybe two hours. We never checked in. XXXX XXXXXXXX or XXXX  was not harmed in any way. Due to the mishap that my family experienced on the property, I never doubted that XXXX would not honor their word and reverse the transaction. They could have done that immediately. 

To my dismay and to my surprise, they send an email that they would not refund my money. I was very confused. 

As a long time and loyal American Express customer, I was confident that American Express would take up for me in light of these circumstances. 

Consequently, I did ask XXXX if I could receive a one-night hotel stay in lieu of the refund. I was refused.
Product: Credit card or prepaid card

I was in a area affected by the XXXX. I'm am a XXXX XXXX XXXX, and my main source of income comes from travel across country. From XX/XX/XXXX to XX/XX/XXXX i was abroad, which 30 days I was in XXXX not able to leave the country due to the XXXX XXXX as it was there much earlier and worse than the US. I was scheduled to return back XX/XX/XXXX. Banks were closed and travel was restricted for me and my group and were not allowed to leave my hotel. The internet was not available to access any of my bank information to make payments on any of my bills. Upon finally getting clearance to come home i immediately called each creditor to explain my situation and bring my accounts current. I've yet to have any late payments and this is affecting my credit score to be able to possibly even refinance my home in this time of crisis.
Product: Debt collection

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX BOA XXXX savarese To whom this may concern I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows aloan inquiry that I did not authorize. 
I writing to dispute the following inquiry and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, NY XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$340.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I was called by scammers that were impersonating the XXXX XXXX XXXX Department. They told me if I didn't withdraw cash to post bail for a citation, I'd be arrested for missing a court date. They forced me to withdraw cash on three separate transactions, without my debit card, only with my ID. The amounts were {$4000.00}, {$4500.00} and {$13000.00} respectively. They told me I was under a legal gag order and wasn't allowed to say anything. 
Chase tellers were alerted through their fraud and account security protocols when I requested these withdrawals, but the bank manager overrode those alerts and gave me the cash while I was under duress. The police told me they are aware of this scam and wrote up a police report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I need you to attend following shown items in this letter which contains data taken directly from my credit report which you have provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 15 U.S.C. 1681 ET SEQ.Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me and updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report presented by LexisNexis I found incorrect, inaccurate information or information that does not belong to me so I have been trying to solve this with the company without having any kind of response that manages to solve this information. 

On XX/XX/XXXX of this year, an updated report was sent to me presenting the information that I wish to dispute below in the attached documents, since this incorrect or inaccurate information can negatively affect my history. 

In the attached documents I detail the information to be disputed so that this information is removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have XXXX correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each.

Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If XXXX made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. 
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. XXXX failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, XXXX willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. 
total of {$6000.00} in remedy I am due.
Product: Debt collection

I recently received alerts on my credit report from  all (   XXXX  ) credit bureaus  on   XXXX  /2017.Which h as caused my credit scores with   XXXX   XXXX   and   XXXX    to be affe cted.Prohibiting me from poviding adequate housing for my family, as well as being promoted by my employer.I have no contractual obligation to, or with IC SYSTEMS.I demand that this delinquent debt with IC SYSTEMS be deleted/removed from  all (   XXXX  ) credit bureaus.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that does not belong to me. I have contacted Experian and the company that is reporting the incorrect information asking for validation. Both companies have failed to validate the account. According to the FCRA an unverifiable account has to be corrected/removed within 30 days. Experian 's response to me via mail were to contact the creditor which I have done on several occasions. I sent proof to experian which included the letters sent to the creditor and the return signature postal receipt signed by someone at the company.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a personal loan was open under my name through Affirm who inform XXXX the reported address applied with this loan was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have never applied for this loan, and have never lived at this address. I tried to dispute this loan as fraud but XXXX said that all information was reported correct by affirm. Even though I have never reported living on this location and have no idea what the account number that is associated with this affirm loan. This loan is only reported on XXXX as well as the address.
Product: Credit reporting or other personal consumer reports

I'm XXXX unable to work for the rest of my life because of XXXX XXXX  That has left me with XXXX surgeries to my XXXX XXXX XXXX from XXXX .I 've gotten all my documents from my XXXXXXXX  and send them to all included parties : Department of education/as well as credit report agencies