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

I redeemed two plane tickets with XXXX XXXX using credit card points on Chase Travel that were refundable on XX/XX/XXXX. However, when I tried to cancel the tickets a few months later, Chase Travel informed me that there was a {$200.00} cancellation fee associated with each ticket. Each ticket is worth {$220.00}, so this would mean the refund would be {$50.00} after accounting for {$400.00} of cancellation fees. I explained that the email confirmation I received classified the tickets as refundable, and there was no way for me to see the {$200.00} cancellation fee online when booking the tickets, and this was also not displayed when I logged into the Chase Travel portal to view the trip. At the time, I opted for a voucher because the representative kept insisting that the fare was unrefundable. However, after looking into the email confirmation further, I did not think this was a fair outcome as I believe Chase Travel deceived me by hiding this cancellation fee. 

I contacted Chase Travel again on XX/XX/XXXX to explain that I had a refundable fair per my email confirmation, but they again reiterated that in their system it shows as non-refundable. This information was not accessible by me, and this cancellation fee was only communicated to me after I called Chase Travel. Each call with Chase Travel takes 40mins+ after going through verifications and explaining the situations- this was my 3rd lengthy call with them on the same issue. This is a very long time suck to access basic information that is critical to my decision making when redeeming my points initially. 

I submitted a XXXX complaint on XX/XX/XXXX, and received a response from Chase today, XX/XX/XXXX, stating that my fare was refundable, but with a {$200.00} fee for each ticket. I looked at XXXX XXXX refund policy ( XXXX XXXX XXXX ) and there is nowhere on the website that states there is a {$200.00} fee associated with a refundable fare. I do not believe Chase conducted fairly, and in fact, engaged in Unfair practices by misleading me on the fare type, and by hiding a very large {$200.00} cancellation fee per ticket from their written communications to me. 

While Chase offered to credit XXXX reward points that's worth {$93.00}, my initial redemption was for XXXX points, which is worth {$450.00}. The credit does not cover the majority of my cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Mortgage

In    XX/XX/XXXX  we purch ased a home on  XXXX  Ohio from the owner for {$48000.00} we made payments for over 5 years until    XX/XX/XXXX . Whe n I  contacted the mortgage company the concern was the extra {$2200.00} they where attempting to collect. I was informed it was for home owners insurance I informed the company we had outside insurance with  XXXX   XXXX  whom I had send them the declaration I was told it was never received so I ask them to send it again. I informed the company I was not paying for their insurance. Then I requested a statement of payments for the past year. To find most of the payments was going to interest and insurance. I again contacted the company informed them of the problem stating I will not pay anymore until the matter is fixed. In   XX/XX/XXXX  we where informed due to non payment they where filing foreclosure. We moved out  XX/XX/XXXX  informing the company we will not pay. In  XX/XX/XXXX  as I was denied for employment I researched the issue to find that I had a nuisance warrant for my arrest f or the property. I contact the city to be informed the title had been released and it was in our name. Because we had it lived in the state for over a year we did not wish to return. We then was informed by another company that we owe them {$48000.00} for the property. So we ow e  XXXX  c ompany we have no idea who they are and we own a home we no longer wish to have.   XX/XX/XXXX  t he city of  XXXX  took possession of the property for none payment of property taxes. So now we do n't own the home and we still owe this other company {$48000.00} plus interest to where they state we owe {$62000.00}. No one can answer my questions o what happened to the 5 years of escrow paying {$420.00} a month with {$5000.00} down that makes it over {$30000.00} that we have no idea what happen to it nor where any payments went for this home. So my complaint is that they not only took our money they are asking for more. Now based on my memory  in  XX/XX/XXXX to  XX/XX/XXXX  t he lenders name changed like  4 diffe rent times without notice to find out it was the same company just changing their name.
Product: Credit reporting or other personal consumer reports

I recently I looked at a copy of my credit report anad noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX- BRIDGECREST XXXX XXXX- BRIDGCREST XXXX- BRIDGECREST
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 issued me 1099C which is taxable income but failed to update the consumer reporting agencies to remove this account because income can not be reported on a consumer report. XXXX and Transunion are willfully neglectful. They understand that its against the law to report income on a credit report and they still chose to not abide by the law. Ive contacted them numerous times about this and they failed to remove the account. Per the FCRA Im entitled to a 100 % accurate report. If my report is inaccurate its {$1000.00} per violation. The proof is in the pudding and ive supplied evidence so the CFPB can take action. They are reporting inaccurate information and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several disputes with XXXX XXXX and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. XXXX provided the requested information, and there was a late paytment that I found out too late, but it was paid in full. 

For some reason, XXXX  and Equifax are showing a 'remark ' or 'comment ' where you can read settle less that full balance or paid for less than full balance. 

In previous disputes with XXXX  and Equifax it is clear it was paid in full, and XXXX XXXX confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection account from XXXX XXXX XXXX on my personal credit report. This info is not mine and must be from ID theft or reporting on my reporrt when is is someone similar
Product: Credit reporting or other personal consumer reports

Prestige Finance is reporting that I owe {$16000.00}. This is incorrect. I settled with the law firm that they hired, XXXX XXXX XXXX. I settled and paid {$9000.00} on XX/XX/XXXX. They also garnished my paycheck starting XXXX. I have repeatedly contacted the credit report companies and Prestige to have this collection removed, but they are stating it is correct. I submitted the settlement letter along with the release of judgment letter to them all. Only XXXX XXXX removed the collection. I want them all to remove the collection. It is more than XXXX XXXX XXXX and has been paid. I have tried to talk to someone from Prestige, but because my account was in collection, they only communicate by email. I received an email XX/XX/XXXX stating that this collection is reporting correctly and that they do not report on judgment accounts. The judgment has been released. The law firm sent me the release letter. This inaccuracy and lies are preventing me from qualifying for a mortgage. I am trying to buy a home, and my credit score is incorrect, and I would like it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am submitting this letter to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft
Product: Mortgage

After 14 years of perfect payments, I missed my XX/XX/XXXX {$480.00} mortgage payment ( Taxes and Ins escrowed ) during Hurricane Irma. My city  XXXX, FL in county XXXX county was declared a federal disaster area during which I went 7 days without electric and water. I spent {$200.00} on fuel to run my generator to survive. I have been able to make all future payments. Wells Fargo home Mortgage gave me 3 months to catch up which I could n't. The now will not accept payments from me and are saying I 'm two months behind plus late fees. They have offered me short term mortgage assistance with three payments of {$60.00} starting XX/XX/XXXX. I 'm not sure how making a lesser payment will allow me to catch up. They also informed me that accepting this offer may adversely impact my credit score. I am greatly concerned I am being set up to fail so they can collect the mortgage insurance and I will loose my home of 14 years.
Product: Debt collection

The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 their was a complaint that TransUnion claims their information has been verified by the Bankruptcy Federal court house. I pulled myfico credit report and it shows 5 bankruptcy reporting but on TransUnion reporting 4 this inaccurate reporting but sends me a letter show 4 Bankruptcy reporting on my credit report. XXXX doesn't have no Bankruptcy reporting and XXXX shows only one reporting. How is TransUnion reporting accurate information and claims it's been verified. to 602. Congressional findings and statement of purpose [ 15 U.S.C. 
1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 611. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general How can TransUnion state they verified my complaint through the CFPB and sends me a letter stating it's been verified XXXX without verifying it. Under F

CRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 
Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had my Capital One credit card since XX/XX/XXXX - it was the first credit card I opened and thus has my longest credit history ( 18+ years ). I received an email from Capital One on XX/XX/XXXX that they closed my account on XX/XX/XXXX due to inactivity. I received no advanced notification that they would be closing it on the XX/XX/XXXX. I received other email communications from them during this time ( offers and my monthly credit card statement notification showing a {$0.00} balance ) but nothing mentioning a XX/XX/XXXX account closing date - had I been notified of this 3 year rule or of the upcoming XX/XX/XXXX closure, I would have used the card to avoid it from happening. I talked to Capital One today and they told me that they can not reopen my account and I have to apply for a new card, thus erasing 18 years of good credit history. They stated that this is their business practice and it just feels wrong. I should have been warned that this closure was coming ( & thus be given an opportunity to take action to avoid it ). Further, to be notified six days AFTER the closure has occurred does not feel like an appropriate way to conduct business, especially when it impacts someone's credit history so drastically. How can Capital One send me emails about special offers and and my monthly statement but fail to mention in any of these communications that you are about to close the account?
Product: Debt collection

I received the notification from XXXX  that I have a debt of more than {$200.00} for a some kind of unpaid insurance. I don't owe that! I've never recieved neither a call nor a letter from any insurance company. There's a big mistake!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to Complaint # XXXX. I was contacted by XXXX XXXX by email on Thursday, XXXX XXXX, 2020. The email indicated that in 48 hours, their account will be deleted from my credit report. Today is XX/XX/2020, and the account is still on my Experian credit report, and it was reported on XXXX that I made a late payment to this account. After several attempts, I have been unable to reach Experian. The prompts give only 3 options to choose from which do not apply to me, and they are all automated.
Product: Credit card

I am writing to bring to your attention certain provisions under the United States Code, specifically under 15 USC 166b and 15 USC 1681 ( e ) ( B ), which govern the treatment of payments on credit card accounts under open-end consumer credit arrangements and the issuance of 1099-C forms for charged off accounts. 

Firstly, under 15 USC 166b, a creditor is prohibited from treating a payment on a credit card account as late for any purpose. As such, I request that my account status and payment history be updated to reflect Paid as Agreed and to remove all negative inquiries and late payments immediately. 

Secondly, under 15 USC 1681 ( e ) ( B ), I have not received a 1099-C form for the charged off accounts in question. Failure to provide this form is a violation of federal law and constitutes fraudulent activity on the part of the creditor. Therefore, I request that the charged off accounts be updated to Paid as Agreed and any negative items associated with these accounts be removed immediately. 

It is imperative that my credit report accurately reflects the lawful status of my accounts and the payments I have made. I trust that you will take prompt action to rectify these matters and update my credit report accordingly.
Product: Mortgage

I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to XXXX time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they XXXX XXXX and then they added XXXX mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were XXXX time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered
Product: Checking or savings account

On XX/XX/22 XXXX was drafted out of my account for my home refinance appraisal. XXXX XXXX ID # XXXX the mortgage broker stated if I didn't get approved my money would be returned. Now when I call him my calls are sent to voicemail or I will receive a text.