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

XXXX and Transunion has not corrected the information that they have allowed to be reported on my credit report. Instead of being in complying with the credit reporting laws 15USC 1681 these two companys took it upon themselves to contact the creditor and update an item that t asked them to remove from my credit report. The company that reported on my credit report did not have permission to report on my credit report and failed to supply any documents to show that I agreed to them reporting on my credit report. I asked XXXX and transunion to removed the items and to date the items are still being reported on my credit report. And the two companies just took it upon themselves to contact the company and update the information. These two companies have No permission or authorization to report any information from this company on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is aXX/XX/XXXXXXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.
Product: Credit card or prepaid card

Chase advertises their XXXX XXXX credit card as offering " trip cancellation and trip interruption insurance '' which is not only misleading but false. I have been a cardholder for many years and use the card for all my travel, believing this " benefit '' actually existed. On a recent trip overseas my passport was stolen and the result was a delay in my scheduled travel plans. When I filed a claim with Chase Benefits I received an email stating that the claim was denied because ( 1 ) the claim expenses were ineligible since they were not for aCommon Carrier Fare '' and ( 2 ) a change in plans caused the trip cancellation. Both reasons were ridiculous since the claim involved XXXX XXXX and there was no " change in plans '' there was a stolen passport. I contacted them again and explained this. They sent another email denying the claim again but this time providing yet a DIFFERENT reason : the claim was denied because the loss was " not covered '' since it was not ( 1 ) a XXXX attack ( 2 ) severe weather or ( XXXX ) airline operational difficulty. Again, I appealed based on the fact that the Benefits Guide provided with the card specifically states that if losses result in cancellation or interruption of a trip the cardholder is reimbursed. It specifically states " The benefit covers a broad array of " what ifs that can impact travel plans ''. I received my THIRD yet different reason for denial : " the benefit does not apply to any loss caused by ... failure of the covered person to obtain necessary passports ''. Ridiculous. I absolutely obtained my necessary passport ( and visas ) yet they were stolen! They did acknowledge that " the Guide to Benefits confirms you may be reimbursed for forfeited, non-refundable prepaid land, air or sea transportation arrangements missed '' but fail to inform the cardholder that they decide when and if at their sole discretion.
Product: Mortgage

I submitted an automatic payment through bill pay twice on accident. XXXX for XXXX/XXXX/16 amd XXXX/XXXX/16. I also sent the payment to a wrong loan number. I Called pennymac to get refund on XXXX/XXXX/16. They notified me they have received the XXXX/XXXX/16 payment but do not see my XXXX/XXXX/16 payment. I have called them multiple times to get this resolved. The bank confirms pennymac has the funds but pennymac will has not located it and refuses to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX 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 XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX DEPT OF EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a fraudulent activities in my checking account and credit card with Bank of America because my computer was compomised. It takes hours just to get someone from Bank of America fraud service on the phone. Then they would transfer you from one department to another and then you are put on hold again and again. After all those hours spent on hold and days to get someone to take your report, 3 months later, they simply informed you that they do not believe it's a fraudulent activities. I even went to the bank in person but they just sent you away and tell you to call their fraud line. 
This is how my account was compromised. 
They would sent you a email and letting you know that your account was charge for an amount. If you believe this is an error please call XXXX XXXX XXXX XXXX. When you call them they said that they will reverse the charges but before they do that they kindly asked you to download an apps to that they can help prevent from it happening again. Basically the APPS allow them to access your computer so they can do virus scan. Then they will ask you to check your account to see if the amount was put back into your account. This is how my checking account was compromised. Because my credit card is link to the checking account, they transfer fund from my credit card to my checking account and claim that they over paid you and ask you to wire the fund back a foreign account because they claimed that they business internationally. So be aware of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB ( complaint number XXXX ) on XX/XX/XXXXbecause TransUnion failed to respond to my dispute letter I sent them on XX/XX/XXXX. Yesterday, XX/XX/XXXX they respond to the complaint and said that they received the letter on XX/XX/XXXX and started an investigation into the disputed items and contacted the source to advise them of my dispute. On the response, they said that they completed the investigation and the disputed information was verified or updated accordingly, and on XX/XX/XXXXthe results were forwarded to my current mailing address on file but they were returned to them via the USPS. ( I attached a copy of the complaint response ) So, they said that they did received the dispute letter, they did investigate my disputed items but they send the results to a wrong address. TODAY, I received a letter from TransUnion ( I attached a copy of the letter as well ) saying that " they were unable to process my request ( the dispute letter they received XX/XX/XXXX ) because they were unable to determine the nature of my request or my request was illegible. SO, that means TransUnion lied to the CFPB because they responded on the complaint that they did complete the investigation and forward the results to a wrong address. Now they are telling me they didn't investigate. This is illegal and it has to be corrected ASAP.
Product: Credit reporting or other personal consumer reports

I writing to formally request your immediate intervention regarding fraudulent accounts on my credit report. Despite mailing letters to the credit bureaus on XX/XX/XXXX, requesting the removal of these accounts and initiating investigations, there has been no action taken ot date. This failure ot address the issue is causing ongoing harm ot my financial well-being. 
These accounts appear ot be the result of multiple data breaches, including : XXXX XXXX XXXX XXXX XXXX, a leading provider of background checks, which compromised my personal information. 
XXXX XXXX XXXX XXXX, where I was confirmed as a victim ( screenshot attached showing my information was affected ). 
XXXX. XXXX XXXX XXXX, exposing my sensitive personal data again. This is the fourth such breach by T-Mobile, following incidents in XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute fraudulent information on my credit report, and credit bureaus are required ot investigate and resolve disputes within XXXX  days 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). However, the following accounts remain unresolved : - XXXXk Account # XXXX - XXXX  XXXX Account # XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX  Sold to XXXX Debt Holding Account # XXXX XXXX XXXX Account # XXXX As per FCRA Section 1681c-2, if a consumer notifies a credit reporting agency of suspected fraudulent information, the agency is required to block that information within XXXX business days. The failure ot remove these accounts or initiate proper disputes within this timeframe constitutes a clear violation of my rights under the FCRA and 15 U.S.C. 1681 ( Right to Privacy ). 
I urge the CFPB to promptly notify the relevant credit bureaus XXXX, Transunion and XXXX to remove these fraudulent accounts from my credit report and ensure compliance with the FCRA. The continued presence of these accounts is severely damaging my credit and financial standing, and it is critical that this issue be resolved immediately. 
I respectfully request that the CFPB take swift action to rectify this matter and confirn the necessary actions taken. I am a natural person disputing this issue independently, not through a credit company. 

Its is deeply troubling that XXXX, XXXX, and TransUnion have failed to address this issue despite my efforts. I am a natural person disputing this myself & not aCredit repair company. This is horrible by XXXX, XXXX and Transunion not to Remove accounts. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

I mailed you all CFPB as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing an account with XXXX XXXXXXXX XXXX, TRANSWORLD SYSTEMS INC Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. XXXX has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on my credit report
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XX/XX/year>
Product: Debt collection

I was XXXX  on XX/XX/2017the state of Nj thru VCCO ( victim comp. Fund ) paid all the medical bills they rec authorization to obtain and pay all bills associated to the matter this bill that is now in collections 2years later was also part of that matter.
Product: Credit card or prepaid card

I have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX   breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
- [ ]
Product: Credit reporting or other personal consumer reports

Comenity/ XXXX requested over a year ago for my credit card account to be removed from my credit report. however, Comenity has failed to do so which has resulted in severe damage to my credit report. I have the deletion request letter from the creditor stating it should be removed from credit report. I would like for this account to be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX  Balance : {$9100.00} XXXX XXXXXXXX XXXX Balance : {$4000.00}
Product: Debt collection

I have tried several times to work out with this company they keep reporting the incorrect amount is owed
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX  XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed a transaction dated XX/XX/XXXX by merchant XXXX XXXX ( aka XXXX  ) on my Chase credit card ending in XXXX for a partial amount of {$2800.00} for return leg tickets of a round trip. 
In the dispute resolution letter XXXX, the merchant claimed in summary ( page XXXX attachment ) that tickets are sold as non-refundable, but presented evidence in the letter that contradicted their own summary. Based on the summary statement, Chase has resolved the dispute in favor of the merchant, finding no billing error, which again contradicts the evidence. 

SUMMARY : The attachment shows that the merchant has provided evidence against themselves showing bait and switch by them. Essentially, the merchant policy says ticket cancellation should be done 24 hours before departure, but as per their own statements they refused to refund tickets 4 days before departure. Their claim, which is merely a summary statement, is contradicted by every policy and evidence presented by them or me. 

I provided this evidence and contradictions to Chase in dispute claims XXXX and XXXX, both of which were resolved by Chase in favor of the merchant saying While you may have a valid complaint no billing error occurred on your account., which violates Fair Credit Billing Act for following reasons : REASON XXXX : The merchant refused to provide a refund option on XX/XX/XXXX ( 4 days before departure ) as contracted in Ticket Policy ( Evidence XXXX, XXXX and XXXX ) and Airline Policy ( Evidence XXXX, and XXXX ). This is a billing error under 15 U.S. Code 1666 ( b ) ( 3 ) goods or services not delivered ... in accordance with the agreement made at the time of a transaction.

REASON 2 : At the time of departure, tickets were in canceled state and couldnt be used.

REASON 3 : The merchant violated Federal Regulation 14 CFR 399.80, which is a billing error under 15 U.S. Code 1666 ( b ) ( 7 ) Any other error described in regulations of the Bureau.