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

XXXX I went out to make arrangements for my vacation, using my credit card of a {$2500.00} limit. First step was to put down a trip deposit of {$1500.00}. This was done in person at XXXX 'XXXX XXXXXXXX. Next step was to buy my airline ticket which would put me to my max credit limit. When doing this online we would get up to the part where we would put my cc information, but the computer would say that it would not process. So we had to attempt it again. We tried this 7 times every time it would take the credit information but nothing more- it would never confirm purchase, never allow me to pick a seat, never asked for a name of passenger, never gave me a confirmation number, no email to say any went through. So I finally called the airlines and made my flight. Then I got a confirmation number and on the website could see all the flight itinerary. A month later when I got my cc bill I was charged 8 times for the same amount {$840.00}. This is well over my limit- why did it go so high? And why didn't the cc question fraud purchases from XXXX? I have been trying to work with credit card for the past few months but they are only working with airlines saying I bought XXXX flights. I have been trying to clear this with the airlines but they aren't responding. The day before my flight I found out they suspended my flight- after I had paid for in full. I ended up having to book another flight last minute. I still am being charged for all XXXX flights! But I had no flight to take when I traveled???
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX XXXX XXXX and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, XXXX changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All XXXX credit bureaus reflect this discrepancy. XXXX stated mortage companies use 3rd party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all 3 bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon me. A full time teacher, mom and wife. 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts. 

I respectfully request that CFPB investigate this issue with XXXX and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.
Product: Credit card

JPM Chase offered me XXXX points if I made $ XXXX in purchases within XXXX months on the Sapphire Credit Card. At the end of XXXX mos, Chase gave me XXXX points, instead. 
After making a complaint with Chase 's Card Service dept, I was told they never offered me XXXX XXXX, which I believe and remember to be false. I have been calling and emailing their XXXX XXXX since XXXX of XXXX for a copy of the introductory letter of the points that I agreed to. They have ignored my several requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus EXPERIAN, XXXX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON
Product: Debt collection

Portfolio recovery associates are reporting inaccurate information on an alleged debt I do not owe to them. For the past 6 years they continue to buy and/or sell alleged debt without a written signed contract.
Product: Mortgage

In XXXX of XXXX my home insurance policy ( purchased through XXXX and subcontracted to a company called XXXX XXXX ), which had been set to be paid via autopay, somehow did not get paid and the policy was cancelled. The insurance company ( " XXXX  XXXX '' ) has provided documentation that I was notified via USPS letter of the failed renewal, but for unknown reasons I never received this mailing. I therefore presumed my insurance had renewed via the autopay process as scheduled. On XX/XX/XXXX, while researching some personal financial records, I discovered that my policy had never been renewed. I immediately purchased a new policy effective XX/XX/XXXX, again through XXXX XXXX Then, in XX/XX/XXXX, I received a USPS letter in the mail dated XX/XX/XXXX sent from Wells Fargo ( my mortgage lender ) that my home insurance had expired XX/XX/XXXX. I then provided proof of the policy that had been in effect since XX/XX/XXXX, and in a letter dated XX/XX/XXXX the lender responded that I would be charged {$1900.00} for lender placed hazard insurance covering the period of XX/XX/XXXX to XX/XX/XXXX. I would like to know if I am lawfully responsible to pay this charge, based mainly on the fact that I was not notified until XX/XX/XXXX that I will be charged retroactively for retroactive dates of lender placed insurance coverage. The reason it is now XX/XX/XXXX and I am just submitting this complaint is that I spent months in communication with lender representatives who told me that the charge would be reversed, that it would just take some " pay cycles '', only to ultimately be told that I did have to pay it and that I should lodge my complaint with the insurance company. I made many calls and sent many emails to the insurance company, who, after lengthy review, ultimately denied any wrongdoing. I then reached out to the Connecticut Insurance Department, a branch of the XXXX XXXX XXXX XXXX XXXX. After several months of correspondence with XXXX, I was referred to the XXXX XXXX  XXXX XXXX, who then referred me to CFPB since Wells Fargo is federally-backed. 
I am submitting evidence of the auto-pay that I had set up for my policy renewal with XXXX XXXXXXXX XXXX as well as copies of the pertinent pages of my mortgage contract regarding borrower property insurance, which I hope may speak to the question of retroactive notification and insurance charges. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my credit report dispute by Equifax and TransUnion. Despite my previous complaint, reference number XXXX EQUIFAX / XXXX TRANSUNION and repeated attempts to have inaccurate information corrected, both bureaus have shown little effort in properly investigating and resolving the discrepancies in the reporting of credit inquiries. 

Here are the key issues I have encountered : Inconsistent Reporting of Inquiries : Equifax reports XXXX inquiries on my credit report. 
TransUnion reports XXXX inquiries. 
XXXX reports XXXX inquiries. 
This inconsistency between the credit bureaus is concerning, as the same information should be reported accurately and uniformly across all three bureaus. 

Failure to Address Dispute Concerns : Despite filing a dispute with Equifax and TransUnion, I received responses that failed to fully investigate or resolve the discrepancies in my credit report. Equifax has claimed that these inquiries are factual and will remain on the file for XXXX years, but this does not address the issue of inconsistent reporting or the inaccurate nature of the inquiries listed on my report. 

Lack of Transparency : Both Equifax and TransUnion failed to provide clear evidence that they conducted a proper investigation into my dispute. The responses I received lacked sufficient detail or documentation to support their claims, further aggravating my concerns. 

Inaccurate and Misleading Inquiries : Many of the inquiries listed on my credit reports appear to be inaccurately labeled and misleading. These discrepancies have caused confusion and negatively impacted my credit standing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am notifying you that I have contacted XXXX, XXXX, and TransUnion regarding my identity theft stemming from the XXXX XXXX breach. I have also filed a report with the FTC Identity Theft ( Report ID : XXXX ) and am attaching it here for your reference. 

Despite my attempts to resolve this matter directly with the credit bureaus, I am requesting your assistance to ensure that my concerns are properly addressed. I am seeking the removal of fraudulent accounts, inquiries, and any discrepancies on my credit reports caused by this breach. 

Thank you for your attention to this matter, and I look forward to your guidance in resolving these issues. Please feel free to contact me for any additional information or documentation needed. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX  XXXX XXXX XX/XX/XXXX {$5700.00} XXXX, XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} These accounts have resulted in XXXX  fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXXXXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # 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.
Product: Checking or savings account

the bank tells us to use XXXX to make payments, they do not tell us that we have ZERO protection, no way to trace the money, no help from them if there is fraud. i got scammed for {$350.00} and the bank says so sad too bad
Product: Mortgage

I applied for a mortgage with XXXX. Because my 2021 tax return was amended but not yet processed by the IRS. They denied the loan. However, because my amended returns were not yet processed, they placed a " credit reject '' in my FHA file database. Now, no FHA lender can approve me. I spoke with a manager at XXXX and he claimed they file a credit reject with everyone they deny, even know a mortgage lawyer stated today, credit rejects placed into an FHA file are only supposed to be for people who pose a significant risk and are associated with fraud before. They refuse to remove it and now I can't get any FHA loan, apparently because my amended taxes haven't been processed. How can they ruin my life? I don't have a home and now I can't get one ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address XXXX uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - Ally Bank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated XXXX XXXX po box
Product: Credit card or prepaid card

Years ago my wallet was stolen out of my car. I went ahead and reported the incident to the police and took all the necessary steps to protect myself. However, whoever stole my wallet, has been using my information to open up fraudulent accounts under my name. I have been fighting these fraudulent accounts for months now and have been able to clean out the most of them. There is still a XXXX XXXX card on my Transunion report that will not be removed, even though the account has been proven to not belong to me.
Product: Credit card or prepaid card

Capital One refuses to respond to my letters I've sent to them regarding this issue. Now they are threatening to close my account. They also sent me some bills with a few errors on the bills.Ive requested the real accounting to this account and Ive also requested a cease and desist on this account. Ive been trying to resolve this matter for over 6 months. Can you please assist me with finding a resolution?
Product: Debt collection

Address listed for primary contact was an address I never lived at therefore all notices for repayment were sent to this address? Two accounts listed on credit report as collections never received a notice and to this day have never received any notices of collections.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violatioXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inquiry from my credit report As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Debt collection

I received a collection notice from " UNION ADJUSTMENT CO '' regarding debt amount of {$4200.00} on behalf of " XXXX '' at XX/XX/2017. 
The notice asked to pay the total mentioned amount or dispute by mail within 30 days, so the dispute letter has been sent at XX/XX/2017 by certify mail. 
But according to the " XXXX '' report the collection agency opened collection account by the end of XX/XX/XXXX on " XXXX '' and then couple days later they opened the same account in " XXXX '' as well. 
Please consider there is no remaining balance between me and original creditor which is XXXX and i did not receive any bill before and certainly there is no strong documents to proof their claim like court order or something like that. 
Its like their abusing regarded laws and trying to collect money by partnering with collection agency which is obviously unlawful and potentially can be sued in court.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life. *please remove all non account holding inquiries over XXXX days old * ACCOUNT XXXX SUNBIT {$5100.00} ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme stress and anxiety. I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.
Product: Credit reporting

I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, Experian did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX. XXXX From XX/XX/XXXX to XX/XX/XXXX : XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and TransUnion Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I obtain a copy of my Experian report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX XXXX XXXX XXXX Inquiry Date :  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquire Date : XX/XX/XXXX Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : EMPLOYER : WISCONSIN XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please urgently take steps to eliminate the unauthorized inquiries from my credit report, as they were not sanctioned by me and are causing me considerable distress.
Product: Student loan

I was lied to when applying for this school they had told me they had a 95 % job placement in your field once you graduate which was a lie. This is the only reason I attended this school and later found that what they had promised was a lie.