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

I purchased a trip to XXXX, XXXX through XXXX that was scheduled for XX/XX/20-XXXX/20. I purchased the trip on XXXX/XXXX/20. The trip cost a total of {$2000.00} and was paid for through a series of installments. However, about a couple of months before our trip was to take place, the COVID-19 Pandemic hit, resulting in a travel ban. Our travel agency automatically canceled our trip without refunding our previous payments and then subsequently shut down their business so there was no one available to contact. They said to contact our banks for refunds. I filed a dispute with Barclay since that was the credit card the trip was purchased on. However, my dispute for the {$1300.00} was denied because they stated I filed after the 60 day dispute period. I tried to appeal the decision but was denied again. The card I used was the Barclays Arrival World Mastercard, which in their Guide to Benefits states : " TRIP CANCELLATION/INTERRUPTION : In the event of the Insured Persons Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/ Trip Interruption Benefit Amount of {$1500.00}. Our payment will not exceed either : 1 ) the actual NonRefundable amount paid by the Insured Person for a Common Carrier passenger fare ( s ) ; or 2 ) {$1500.00}. The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from : XXXX ) death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person ; or 2 ) default of the Common Carrier resulting from Financial Insolvency.

Financial Insolvency means the inability of the entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations. NonRefundable means amount of money paid by or on behalf of the Insured Person for a Covered Trip which will be forfeited under the terms of the agreement made with the Common Carrier for unused travel arrangements and for which a travel agent or travel supplier will not provide any other form of compensation. '' My Common Carrier, XXXX.XXXX, shut down due to financial strain from COVID which is why I have not been able to get my money back from them. So therefore I should have been covered under the card 's insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XXXX/XXXX/2025 To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

XX/XX/2021, Amount : {$4600.00}. I contacted credit collection agencies and collection was removed and then reinserted under a different collection agency ( Three Letters attached ). I contacted XXXX XXXX Fraud Department. They advised to file a police report, which I did ( Attached ). The Credit Bureau 's never notified me in writing of the reinsertions ( See attached letters set to them : XXXX, XXXX, XXXX ). I attempted to submit Police report to I.C. Systems Inc ( Collection Agency ) online and an error kept notifying me that I needed to Prove I was not a robot and would not move me beyond that point to submit supporting documents.
Product: Credit card

I was in an XXXX relationship with my now ex boyfriend. I was with him in XXXX for about a week, and I am from Minnesota. I had no privacy, and he had access to everything of mine. He knew all of my passwords and was able to go on my phone whenever he wanted and I was very afraid of him. I made reports with the police and my father had to come help me leave because I was so afraid he would XXXX me if I left. 
I was not aware of it at the time, but he put my discover credit card on his XXXX XXXX and maxed it out. I did not have any control over this as I had XXXX privacy and was scared. 
When I was able to get home, I realized that my credit card was maxed out as my card was being declined. I was not sure about what my exact balance was as I was going through so much, but I did know for a fact that it would not be maxed out. I have a {$1500.00} limit and I expected it to be at or around {$700.00}, so I knew that something was going on. 
I went on my recent transactions and saw that there were charges made in XXXX off of my card while I was literally in Minnesota. I can back to Minnesota on XX/XX/XXXX. 
I immediately called discover and I was crying. I reported the fraud and it was taken off of my account. I explained how I left an abusive relationship and I was scared to report it because I thought he might get mad at XXXX  me. I said I think it was my ex boyfriend because he had access to my phone and its password, and there were also charges that would align with him. For example, there was a charge at XXXX XXXX and he is a student there. There were also purchases made at places like XXXX XXXX and XXXX which are specific places I know he likes. I gave discover his contact information and explained how I was in an XXXX relationship and did not authorize those charges. I had no control over what was purchased, and I was not aware of the charges. I was in a very unsafe position. 
I have never made a fraud claim before and I am a very honest person. I do not know why they are not allowing my fraud claim. Discover claims that charges that are not authorized by me are not my responsibility, but clearly that is not the case. 
Additionally, there were charges made in XXXX when I was back home safely in Minnesota. I obviously wasnt even in XXXX because there are other charges on my account from places in Minnesota. I do not understand how they can disregard that. He used about {$300.00} on my credit card while I was using it in Minnesota. He is not an authorized user.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) is codified in 15 U.S.C. 1681 et seq. The FCRA is a law that regulates access to consumer credit reports and protects the privacy and accuracy of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX
Product: Checking or savings account

In an attempt to take advantage of a savings account offer by another bank, I found I was unable to link to my PNC account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and its showing unauthorized, and unverified inquiries according to the FCRA I am due fair credit reporting. I will list the inquiries below as well as the bureaus I need them removed immediately. Experian : XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX    XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA. Equifax and  XXXX  allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian after noticing that XXXX XXXX placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested experian to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 credit card account opened at XXXX XXXX XXXX account # XXXX on XX/XX/XXXX, a credit card account opened at XXXX XXXX XXXX account # XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX account # XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX  account # XXXX on XX/XX/XXXX, and a real estate account opened at XXXX XXXX XXXX account # XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize these accounts appearing on my consumer credit report maintained by you. They were not opened, made, or initiated by me and are the result of identity theft and fraud following my leaked personal information during the XXXX data breach. I have attached my proof of address, social security card, screenshot showing my information was affected, and a copy of my filed FTC report as proof from the US Federal Trade Commission that all of these consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XX/XX/2023 and on XX/XX/2023 to XXXX, Transunion and XXXX. Here is my tracking number most recent track # XXXX XXXX track # XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. Everytime i call they tell me can't find my paperwork. This is not making any sense. 

According to the law 15 U.S.C. Code 1681 ( i ) - Procedure in case of disputed accuracy. 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 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.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally file a complaint against Capital One Auto Finance for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Capital One Auto Finance ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the XXXX debt. Under the FCRA laws, this XXXX of debt should be reflected in the credit report accurately. Capital One Auto Finance reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that Capital One Auto Finance take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. XXXX. Either reporting an accurate XXXX XXXX XXXX XXXX XXXX  balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Capital One Auto Finance will take to rectify the inaccuracies on my credit report.
Product: Money transfer, virtual currency, or money service

I downloaded this app my friend said to download you earn money they contact you guys because my bank changed something so I wont be able to link my account
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a CFPB claim in reference to inaccurate information being report per my XXXX and Equifax report. XXXX CLOSED An official website of the United States Government ( https : //www.consumerfinance.gov/ ) Start a new complaint All complaints (. ) STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report The removal of this account does not satisfy as remedy for the errors caused by Equifax and the furnisher. The account is a JOINT ACCOUNT with I, XXXX XXXX was the Primary Holder on the account. The Furnisher and the reporting agency have decided to completely remove the positive account instead of taking accountability for their actions. While the account is updated as paid as agreed and reflects a positively closed account on the co owners, XXXX XXXX 's credit report. I did not ask for a deletion of any positive accounts. I did however previously request as marked as paid on time as agreed, which they managed to do for the co owner of the account and not the primary holder of the account. This continuous battle has done nothing but cause more headache and issues over requesting what is owed to me. That is a correct updated marked as never late paid and completed credit reporting. Per 611 - 15 U.S.C. 1681i B ) UNDER Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the 611 - 15 U.S.C. 1681i 61 person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while XXXX states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached Cam Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. Betore I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at XXXX XXXX XXXX
Product: Debt collection

I.Q. IS IS IGNORING THE THE CEASE AND DESIST ORDER IN VIOLATION OF FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an inaccurate repossession on my credit reports. I have contacted them requesting all documents concerning this debt and they have failed to respond. 

Furthermore, they are reporting and verifying multiple inconsistencies to each credit bureau. There are three different balances associated with this account, different number for the term of month, last payment dates, last active dates and open dates. If the credit bureaus all get their information from the same place, how are they all reporting very different information? 

It is the responsibility of any consumer reporting agency to report accurate information on a consumers report and it is illegal to verify and report inaccurate information. It is clear that this debt can not be verified as they have not responded to my dispute requesting all documents so I kn ow they have not done so with the credit bureaus. 

I am requesting that this account is deleted as they are in violation of the FCRA and my rights as a consumer!
Product: Student loan

Got a call from my Mortgage company on Tuesday, XXXX XXXX, 2017 at XXXX. They were surprised on why Navient reported a deliquesce on my student loan account, for it being 4 months past due. They were surprised because in XXXX of 2017, when applying for my mortgage, they pulled my credit and I was, at that time, listed as " in good standing '' with Navient. My first question is how do you go from being in good standing to being delinquent for 4 months in two months! The math does n't add up, there has to be a mistake. <P/>After receiving the call on Tuesday, XXXX XXXX, 2017 at XXXX, I quickly called Navient to settle the issue. I paid the past due payments, bringing my account to paid in full. They took the money out of my account on Tuesday as well. I called everyday since Tuesday, ( Wednesday at XXXX XXXX, Thursday at XXXX and at XXXX XXXX ) and finally on Wednesday night they processed the payment, even though they had already charged my account. I have asked everyday for them to send a notice to the Credit Bureau stating that my account was now paid in full, is current, and is in good standing, so that my credit score could get back to it 's previous score. As of right now, the response that I keep on getting from their customer service reps is that they can not send a notice until the end of the month. That does not work for me, because if that is the way it works, I will lose my house. My current credit score will not allow me to be granted the already pre-approved mortgage to pay for the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have corresponded with EQUIFAX in reference to accounts that are reporting on my report inaccurately and are not to my knowledge. EQUIFAX has responded stating the information has bee verified and accurate from the companies I listed. I asked for any copy of documents showing that I had contracted with either of these alleged companies, with my signature on it in WET ink and they did not provide. I am formally complaining that they have not sent me the information requested in order to verify these are my accounts. Attached is my second letter to them requesting again either copy of documents or delete immediately from my credit profile.