23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been misusing its claims department in order to raise premiums filing false accident reports to CLUE ( LexisNexis ) and not with the DMV in order to justify raising car insurance. Meaning if I have a simple flat tire and I need a tow if I go through my insurance they will file it as an accident to raise rates and that is false and a gross abuse of a loophole that needs to be closed asap if I had said accidents why where they afraid to put it on my actual driving record with the DMV? Maybe they get sued for malpractice and manipulation of the law?? I have a spot less driving record with no accidents to date thus I should not be paying high prices from falsehoods and hustling
Product: Credit card or prepaid card

Honestly, I don't even care if Barclay 's responds back this time. After the whole XXXX  before where they lowered my credit limit for some garbage reasons, they did it ago and in the 7 years I've been a faithful customer, I have gone from a {$2500.00} credit limit, down to {$500.00} when I just logged into their portal. Have nothing positive to say about Barclay 's. Honestly, CFPB, I wish the Fed Govt would just pull their operating license in the US. They don't deserve to have US consumers as customers. I could care less if they responded to this or not because their answer, or excuse, would be meaningless. They can claim validity all they want in what they are doing, but I have credit cards with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX, and not one of those other companies has done this XXXX. 

They are complete garbage! And I hope JetBlue pulls their branded credit card from them and gives it to a XXXX. Honestly, JetBlue customers would be much better off.
Product: Student loan

I am not the first person to have problems with repaying the Educational Financial services. They are reversing my payments so they can accrue additional interest. This needs to be in the XXXX XXXX XXXX This is crooked. I have tried paying again today but since it is veterans ' day. I expect to have this handled immediatly. 

https : //edfinancial.com
Product: Debt collection

Account number XXXX invoice for {$530.00} I did not undergo treatment at XXXX XXXX this month or last month. this is a lie
Product: Debt collection

I lost credit card reported lost and charges were made. I never used credit card for unauthorized charges nor did I give anyone else permission. I am not responsible for charges I did not commit. I am covered under the fair protection act and discover card did a investigation telling me I owe the XXXX  One charge was my dentist which I admitted too and was mine. Now I dont know if a friend or family member used my card then put it back, but if that occurred I am still not responsible for unauthorized charges on my account. My issue is clear I want to close my account and resolve the fraud, Discover is not cooperating or following the fair credit reporting act. I contacted merchants myself to alert them to fraud gave them my name and number to contact me if needed.
Product: Checking or savings account

I am deeply troubled to share the frustrating experience I have recently encountered with Navy Federal Credit Union. Despite the Internal Revenue Service ( IRS ) having sent them a letter to release the levy on my account two weeks prior, the bank still placed a hold on my account, causing significant and undue hardship. 

On XX/XX/2023, I was astounded to discover that Navy Federal Credit Union had placed a levy hold on my account, in direct contradiction to the letter sent by the IRS. Remarkably, the IRS had communicated with the bank on XX/XX/2023, instructing them to release the levy. This action should have precluded any hold being placed on my account, as per the predetermined 21-day window stipulated by the bank 's policies. 

Subsequently, when I reached out to Navy Federal Credit Union for clarification and resolution, I was instructed to contact the IRS directly. However, it is critical to emphasize that the IRS had already taken the appropriate steps to notify the bank of the levy release in advance of the 21-day period. 

This situation has caused immense frustration and financial strain, and I am deeply disappointed by the failure of Navy Federal Credit Union to honor the instruction provided by the IRS in a timely and responsible manner. As a customer, I expect appropriate adherence to regulations and an understanding of the impact such holds can have on individuals and families. 

I sincerely hope to see a swift and satisfactory resolution to this matter. It is imperative that financial institutions such as Navy Federal Credit Union take accountability for their actions and strive to alleviate, rather than exacerbate, the burdens faced by their customers. 

I will continue to pursue a resolution to this issue, and I trust that Navy Federal Credit Union will take the necessary steps to rectify this disconcerting situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I submitted a 60-day vacate notice and requested the option to give a 30-day unit transfer notice if I could move to the opposite side of the community. I had safety and hygiene concerns for my building so I wanted to either relocate entirely or to another building. I submitted that email to complex management and it went unanswered. I then found the contact information to their corporate offices and urged a response there, in fear that there would be a fraudulent financial penalty if they didn't acknowledge my notice. 

XXXX XXXX purchased the alleged debt that XXXX XXXX tried to claim I owed them and began to harass me for payment in the summer of XXXX. I did not reside nor occupy that unit during the dates they are asking for me to pay. I signed the lease for my current home in XXXX and was fully out of my previous apartment by XX/XX/XXXX. 

This debt is not accurate, I was not occupying the residence when they claim and more importantly I gave my notices within a timely manner. I DEMAND they remove this collection from all three reporting credit bureaus and cease their demands for payment. This is a sloppy and fraudulent debt they are attempting to collect for pennies on the dollar. 

MOST IMPORTANTLY, I requested a debt validation package in XXXX of XXXX and have not received it as of XX/XX/XXXX, which is ILLEGAL. Because this debt was not validated, it must be removed per the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute : of Account Information - XXXX XXXX Dear TransUnion, I am writing to formally dispute the information related to my credit report, specifically concerning the account reference letter stating that XXXX XXXX loan is still paid in full. 

Please find enclosed copies of documents that support my claim, including all relevant documents, such as my loan payoff statements, I kindly request that you investigate this matter asap and update my credit report to reflect that this loan has been paid off. 

As I am currently in the process of applying for a mortgage loan, with XXXXXXXX XXXX.It is essential that my credit report accurately reflects my financial status. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, CFPB TRANSUNION IS IGNORING MY REQUEST ALL DOCUMENTS WILL BE UPLOADED
Product: Payday loan, title loan, personal loan, or advance loan

I file a complaint and the company responded, and sent a the agreement along with the response, viewing the information my name and address and right. But I did not take out this loan and the banking information do not belongs to me and is not my banking information at the time this loan was taken out.
Product: Credit card

the complaints are filed above and i respondied but this particular case is with their XXXX  XXXX  as i missed out on all the bonus that i applied for the card to travel with in the first place. along with chase bank they are also being held accountable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on my credit report. 

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes citing " sham investigations '' and other unlawful practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of innacurate information on my credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported : XXXX. XXXX XXXX XXXX late payment for XXXX and XXXX and XXXX XXXX XXXX requested to be removed XXXX  times and it was reinserted with NO explanation
Product: Vehicle loan or lease

Chrysler capital is my lender for a vehicle lease. Back in XX/XX/2017 I incurred a 30 day late negative remark due to a bit of hardship. Now 24 months later I've requested with the company to please remove the negative remark from my credit report based on goodwill and the fact that this was the only late payment in the 36 month history. I'm pleading the the negative remark be removed as you can see my current credit history shows my responsibility and ability to pay back. Chrysler Capital said it would be removed after 24 months but the remark is still showing on my credit report. 
I can guarantee that this lapse of judgment will never happen again, thank you so much for your time and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
Product: Credit reporting or other personal consumer reports

Put my address back on my XXXX credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for Transunion, XXXX, XXXX to the lastest credit report of 2023 of XX/XX/XXXX Thxs
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

i received a letter from the XXXX XXXX about im being sued for a debt that has been written off as a bad debt that was bought from XXXX XXXX XXXX to Collins Asset Group, i went to court on XXXX the person repersenting collings asset group had a paper and ask me to admit to the debt that was charged off as bad debt from XXXX XXXX. the Document she showed me was signed by someone else not by me, i explained to her that the amount was higher than the charged off amount also that was not my signature, i said no it was forged by someone i had a loan with XXXX XXXX and i had to sign a contract and fax it back to them with my signature before the release the fonds. so after i denied the signature she wen in the court room and ask for a continuance, i did explained to her that i didnt give anyone to release information to a XXXX party with my ss # she said they can do that and dont need my permission, after we walk out of the court room she thew the papers in the trash outside the elevator, i just sent collins asset a certified letter asking for the signed contract with my signature on the documents also ask if they cant provide my hand written signature trying to collect its forgery.
Product: Debt collection

I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Professional Placement Services. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) was paid in full on XX/XX/XXXX. After reviewing my credit report I noticed a few issues that are very concerning to me. Professional Placement Services has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX & XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind these claims were paid in full long ago! This company calls my house every day, Monday through Sunday. They call several times a day. I get calls on Sunday 's at XXXX XXXX. All for debt that I paid off a long time ago. I have never received a statement from Professional Placement Services for these two claims so I can't attach them for reference.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and outdated information being reported on my consumer file with ChexSystems. The information pertains to an account allegedly associated with XXXX XXXX XXXX XXXX XXXX XXXX I want to be clear that I have never had any relationship with XXXX XXXX XXXX  nor have I opened or authorized any account with them. 

Upon reviewing my consumer report, I discovered that ChexSystems has been furnishing information about this account, which is completely fraudulent and the result of identity theft. I have been a victim of identity theft, and the information reported by both ChexSystems and XXXX XXXX Bank is not only inaccurate but also outdated, as it reflects an account I never opened or managed. 

By reporting this information, both ChexSystems and XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. No Permissible Purpose ( FCRA Section 1681b ) : ChexSystems has reported information about an account that I did not open and have no connection to. Since I have no relationship with XXXX XXXXXXXX XXXX and have not provided consent, neither ChexSystems nor XXXX XXXXXXXX XXXX has a permissible purpose to furnish or access my information. 
2. Inaccurate and Fraudulent Information ( FCRA Section 1681e ( b ) ) : The information furnished by ChexSystems is not only inaccurate but is also a result of identity theft. As a consumer reporting agency, ChexSystems is required to ensure the accuracy and completeness of the information it furnishes, and it has failed to do so in this case.

3. Violation of My Rights ( FCRA Section 1681c ) : Reporting fraudulent or inaccurate information without proper investigation and verification is a direct violation of my consumer rights under the FCRA. Furthermore, if this information is outdated, it should not be retained on my report beyond the statutory period. 

The continued reporting of this fraudulent account has caused significant damage to my financial standing and has been done without my consent or authorization. I request that ChexSystems immediately remove all references to the XXXX XXXXXXXX XXXX  account from my consumer file and conduct a thorough investigation to verify the validity of this dispute.
Product: Credit card

On XXXX XX/XX/2023 I booked flights from XXXX XXXX to XXXX to XXXX XXXX XXXX XXXX XXXX and returning from XXXX XXXX to XXXX to XXXX on XXXX XXXX for a total of {$5000.00}. 
Due to bad weather the XXXX XXXX were cancelled. So I had to cancel the whole trip. 
On XXXX XX/XX/2023 I received a credit of XXXX. This was the cost of the XXXX XXXX to South Dakota I never got the credit for the XXXX Flight for {$2700.00} On XXXX XX/XX/2023 I rebooked the flights for a later date for {$5400.00}. The return flight from XXXX XXXX to XXXX was cancelled and we had to book another flight. We were in first class for the original flight from XXXX to XXXX but were in coach for the rescheduled flight. On XXXX XX/XX/2023 I got {$460.00} back for the price difference in tickets. 

On XXXX XX/XX/2023 I contested the {$2700.00} I had not gotten a refund for from the cancelled flight and it was removed from my account. 
On XXXX XX/XX/2023 I was billed again the original {$2700.00}. 
I am still due a credit for the {$2700.00}. 


XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Original Trip purchase price XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX XXXX XXXX Refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Rescheduled Ticket Purchase XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX First Class To Coach Ticket Difference refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX Dispute Credit XX/XX/2023 XX/XX/2023 REBILL CL *Chase Travel Travel Sale XXXX Dispute rebill
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect DELETE ALL OTHER NAMES AND ADDRESSES SO I WON'T BE A VICTIM OF IDENTITY THIEF MY ONLY NAME AND CORRECT ADDRESS IS BELOW :
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). The information associated with these accounts is no longer authorized and should be removed from my credit report immediately. 
The following inquiries have been identified as a result of the data breach, and I request that they be blocked and deleted from my credit file : INQUIRIES : XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXXXXXX ( XX/XX/2024 ) XXXX XXXX XXXX  ( XX/XX/2024 ) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX ( XX/XX/2024) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX ( XX/XX/2024 ) XXXX XXXX ( XX/XX/2024 )
Product: Credit reporting or other personal consumer reports

After obtaining my three credit scores side-by-side from XXXX I noticed inaccurate reporting after reading my three credit reports with XXXX XXXX XXXX XXXX more specifically the account amount, past due amount and last date reported. Equifax, XXXX and XXXX reporting does not match. 

I have made numerous attempts to dispute these inaccuracies both over the telephone and via mail to no avail. 

The procedure from the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a states : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.