23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CHASE BANK & BRITISH AIRWAYS On XX/XX/2023, I purchased through Chase 's travel agency a ticket for a flight from XXXX to XXXX to be taken in XX/XX/2023. Included in this purchase was an upgraded seat to Premium Economy. The total cost was {$1800.00}. ( See attached for transaction details. ) Upon arriving at the gate, I was downgraded to Economy with the promise I would sit in Economy with the entire row to myself. Unfortunately, one of the flight attendants had their fiance sit next to me where she proceeded to lay down in the entire row, squishing me to the side. They also promised a 75 % refund per XXXX  laws ( Regulation ( XXXX  ) XXXX XXXX ) and British Airway policy ( see attached ). 

I went to claim the refund on the British Airways website many times, with the same response - They are not responsible for issuing the refund- Chase Travel needs to provide the refund ( see attached ). 

I have contacted Chase Travel, Chase Benefits, and Chase Disputes, but nobody can help me or know how to get my refund. I filed a credit card dispute but they refused the refund because " service was rendered '' when I took the flight. 

It has since been escalated to a supervisor in Chase Travel, but it has been a lot of time since that occurred and I am still waiting today to see any resolution, if any. This was my first time using Chase Travel and will certainly be my last because Chase did not advocate for me, their customer, nor is it common knowledge among Chase staff on how to resolve this. 

I have also attached my airline ticket which states " Involuntary downgrade due to over-sales ''.
Product: Student loan

Nelnet account access issue Unable to access the site. Can not log in after multiple multiple attempts, resetting passwords, etc. Always says I am not recognized. Emailed twice, escalation promised. No response. Hours holding on the phone - unable to continue holding. Once a lady answered, when asking if I can pay over the phone she said she had no idea how to take payments over the phone. Promised someone would be calling/emailing me. Nothing.
Product: Credit reporting or other personal consumer reports

Discover card is showing opened XX/XX/2020 and closed XX/XX/2020 so " XXXX '' for almost XXXX  months from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " XXXX '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed XXXX times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate, unverified and HIPAA VIOLATION account information on credit report on XX/XX/2021. It has been more than 30 days and XXXX, XXXX, and TransUnion hasn't removed inaccurate, unverified and HIPAA VIOLATION accounts.
Product: Debt collection

I am filing this complaint because the debt collector, Brock & Scott, PLLC., failed to provide validation of an alleged debt in response to my written dispute letter, which I sent on XX/XX/year>. Under the FDCPA ( 15 USC 1692g ), I have the right to request verification of the debt within 30 days, which I did. The collection agency received my letter on XX/XX/year> ( as confirmed by certified mail ), but they have not provided the requested proof of the debt to date. No documents were provided showing the assignment or transfer of ownership of the debt from the creditor to Brock & Scott , PLLC. giving them the legal right to collect the debt, nor a copy of the original agreement or contract that was signed with the creditor.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX 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. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/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

Account name : XXXX XXXX XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1666b - a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. Under 15 USC 1681S-2 Responsibility of furnishers may not report late payments during COVID-19. All late payments need to be removed immediately and display status PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately.

These companies listed are in violation. Under 15 USC 1681 section 602 A, I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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. 

Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 a Bank of America XXXX XXXX XXXX XXXX XXXX credit card. I noticed this past month on my statement I have been getting a foreign transaction fee for certain transactions. 

These fee transactions are only listed on the statement as a separate line item- they are not listed on the online transactions activity feed on the online banking platform. They are not listed next to the transaction nor do they show which vendor or transaction it is being charged for. The fees are also not listed anywhere online or on any statement or notice that I am able to find online. There is a section online with information and services there is a section called " Fee information '' that lists OTHER fees -- annual fee / monthly maintenance fee, over limit, late payment, and return payment fee. But no mention of a foreign transaction fee. 

Other transaction fees that they charge are clearly listed before you would make the transaction ( balance transfer ; cash advance ). But again - no listing of the foreign transaction fee. 

When I called customer service to ask about this, they told me the fee is listed in the original credit card agreement- and that is where I should know to look and find it. It told them that is a sneaky fee not having it listed anywhere else again- and they told me- no they want all their customers to read that agreement fully and thoroughly. The only other place I found it - after I went digging for it - was in the marketing material terms and conditions. 

I asked them to remove the fees from my account and they did. And I asked if they would take my feedback to include that fee and list it with the other fees- and their response was that no they want people to look at their statements every month and call if they see something out of the ordinary. And that people should know to read that agreement fully and understand everything in it. 

To me -- this is inappropriate and non-transparent for the common consumer. I appreciate that they removed the fees -- but I question how many other people are being charged these fees without knowing and how much extra money Bank of America is making because of them. 

I appreciate your attention to this. 
Sincerely XXXX XXXX
Product: Credit card or prepaid card

I used PayPal to purchase an annual subscription to XXXX in transaction ID XXXX for {$60.00} to XXXX for XXXX XXXX. I reached out to the seller who said they updated their application on my XXXX XXXX. and due to a technical issue on their end my account could no longer be accessed. In an email, which I shared with PayPal, they advised me to cancel and start over. On XX/XX/2020 I opened dispute Case ID : XXXX for Item not received. 

Since then I have had numerous phone conversations with PayPal and been repeated asked for supporting information as the buyer which I have provided. The seller has not been asked to provide information or respond to the case. This is clearly an item not received dispute which should have resulted in a full refund as advertised by the seller and with no seller response to the Case. This has gone way beyond any reasonable timeframe for a refund and I fully expect PayPal to comply with the seller 's instructions to me and cancel the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I went to the dealer on XX/XX/year>, with me didnt whos wanting to do a drive test on XXXX XXXX XXXX but at the end he doesnt like it at all, and the salesperson was very persistent trying to sale a car anyways possibles. We explained our situation and we had been very specifics that myself count with a pre-approval letter from XXXX and we want to see the number first and only run one Credit Report Inquiry. All Verbal agreed with that. Minutes later the salesperson came up with the excuse Apologies I forgot to tell the financial manager to run only one inquiry, but dont worry just stop him and he made only one with XXXX but at the end both of us still with several inquiries. 
I want to make it clear that, feel betrayed because the salesperson doesnt keep his word regarding, we discuss and agreed about inquiries, must when we were very clear with him. Otherwise, I dont allow XXXX  to made or referring the application to another lender do inquiries as result impacted my credit profile negatively dropping points after hard inquiries this is unacceptable for a loyal consumer whos has been with XXXX  and XXXX for more than 6 years. 
I request that all credit inquires been deleted and eliminated ASAP, I do not Authorize run several inquiries that include XXXX and XXXX XXXX XXXX and affiliates. Please train Salesperson to be transparent and good practices in mind. Customers deserve respect to maintain agreements of any kind they come.
Product: Credit reporting, credit repair services, 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, has violated my rights. 

XXXX5 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 reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian about the XXXX XXXX Account number : XXXX that was added to my report without it being verified I sent several letters in XXXX and submitted my first complaint in here on XX/XX/XXXX it is complaint number XXXX another complaint on XX/XX/XXXX where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. Experian has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. This is the third time Experian has denied this account ever being on my report. I have a letter from Experian which I will be attaching concerning this account and my most recent report where the account is NOT there but no explanation given of it being deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from XXXX, that was reaffirmed years ago and is being paid as agreed for many years now with no lates, however Experian reported that it was not reaffirmed and was not being paid as agreed ( they reported no pmts in over seven years ) which is not true, so I disputed the account with Experian. The problem is that Experian corrected the dispute by completely deleting the account from my file, instead of posting the correct paid as agreed! It damages my credit to not show satisfactory accounts! Unfortunately on Experian web site there is no way to dispute an account that has been deleted, and there is no way to add satisfactory accounts either! I believe it is on purpose that they make it hard for consumers to add satisfactory accounts, as it would be simple for a consumer to enter the account name and number to their form ( so the credit reporting company can confirm it ) if only they had a place to do it, which they knowingly dont. Since our credit reports are so important, and impact our financial lives so much, consumers should have a simple process to correct untrue, fraudulent, erroneous and or missing information on our credit reports!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

List of inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX, I was approved for an American Express ( Delta SkyMiles ) credit card. 

On XX/XX/XXXX, I received an email from this AmEx credit card offering a bonus miles promotion if I opened additional cards for family ( aged 13+ ). The online form to add a card member under did not ask for any info except for the name of the new card member. I only entered my son 's name. Other fields were all optional ( email, SSN, DOB ) so I did not provide any other information. ( See pdf screen shots. ) The card request was approved and I received the credit card for my teenager son in XX/XX/XXXX. 

Then I get a notice from my ex-husband that he has access to this new AmEx credit card. He can see the account on his XXXX  credit report. He knows the balance, due date and account info. Please note that I have been divorced for over 5 years. I have no credit cards with my ex-husband. Somehow AmEx accessed my personal information, violated my privacy, and breached security. 

When I called American Express, they transferred me to their AmEx credit bureau. On XX/XX/XXXX, I spoke with XXXX XXXX ( service rep from XXXX XXXX, XXXX ) who said he could not help me because it's not my credit report. That my ex-husband would have to call them.