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

( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX INQUIRIES : 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: Checking or savings account

I am writing to file a formal complaint against Discover Bank regarding a {$1000.00} XXXX transfer made from my savings account ending in XXXX. This issue has escalated due to the mishandling of my case, failure to provide accurate information, and refusal to refund my money despite clear evidence supporting my claim. 
On XX/XX/year>, I initiated a {$1000.00} XXXX transfer to XXXX XXXX at XXXX XXXX  using the recipients phone number. Soon after, I realized that the recipient had changed their number, and within 32 minutes, I contacted Discover customer service to suspend the transaction. At XXXX XXXX, I spoke with a Discover representative who confirmed that the money had not been claimed due to the incorrect phone number. The representative immediately canceled the transaction and assured me that a refund would be processed within two business days. 
After waiting a week without receiving the refund, I contacted Discover again on XX/XX/year>, and was informed that the first representative had provided incorrect information and no refund would be issued. The case was escalated to the Dispute Resolution Department, where I was told they would review the phone recording from my XX/XX/XXXX call. 
On XX/XX/year>, I was informed that my dispute had been rejected due to a lack of evidence. This decision is perplexing and frustrating because Discover holds the critical phone recording that supports my case. The fact that they failed to consider this evidence raises serious concerns about the integrity and transparency of the dispute process. Discover has handled this matter unfairly, and their refusal to address the situation based on the available evidence is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 

1. XXXX XXXX XXXX # XXXX / {$1400.00} 2. CKS PRIME INVESTMENTS # XXXX / {$630.00} 3. CKS PRIME INVESTMENTS # XXXX / {$940.00} 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to officially report that I am a victim of identity theft. This letter serves as my formal statement regarding the crime that has affected my personal information and accounts.

FTC Report Number : XXXX Accounts Affected by the Crime : Several inquiries and accounts have been fraudulently opened in my name. Below is a list of the inquiries that should be removed from my credit reports due to fraud : 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 I also wish to report that no fraudulent charges or accounts have been identified at this time from the company involved.

I declare under penalty of perjury that the information provided in this letter is accurate and true to the best of my knowledge. I understand that making false statements may violate federal, state, or local laws and could result in legal consequences, including fines or imprisonment.

Please do not hesitate to contact me if any further information is required to resolve this issue.

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX removed tablet line from my XXXX XXXX account with XXXX Stopped my two Voice lines with XXXX  on XX/XX/XXXX XXXX Bill in mail from XXXX XX/XX/XXXX. For XXXX to XXXX billing charges. As XXXX charges XXXX month in advance. At this date I was no longer with XXXX XXXX XXXX XXXX {$25.00} The next day, XX/XX/XXXX, I received a letter/Bill from a collection Agency called ALLIANCE ONE. They stated I owed XXXX XXXX  {$95.00} I was given the option to dispute this with them, I sent a dispute letter in the mail the next day. The letter stated they must stop collection if I disputes the charges until they send more information. As the debt is not mine, I have not had any other letters from them XXXX is sending me a bill every month and adding late charges.

They have sent me to collection, they need to quit trying to Bill me for a debt that isn't mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.
Product: Debt collection

I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with Exeter. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an erroneous balance on a XXXX XXXX XXXX account that was a part of a bankruptcy. The balance should be reported as XXXX but is showing as {$19000.00}. This should be corrected as no money is owed to XXXX XXXX XXXX. I have disputed this with Equifax for many months and have attached the latest letter sent to XXXX XXXX XXXX along with the certified mail receipt number. 

Certified mail receipt number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Midland Credit Management [ XXXX XXXX XXXX, XXXX XXXX, CA XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Midland Credit Management, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Midland Credit Management has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Midland Credit Management promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Midland Credit Management to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Midland Credit Management , as provided under Section 616 of the FCRA. Done in good faith.
Product: Credit reporting

Creditors cant pull my credit report and i cant pull it myself. I am also unable to modify my credit freeze. I have had this problem twice before and the only way to get it fixed is to file a complaint. When I call equifax everyone is beyond useless. I understand from the last XXXX complaints that my credit report is too long and needs to be cleared out. No one at equifax will believe that when I call. They say it is because of the freeze, but I can still pull my own credit with the freeze through equifax.com. I even offered to remove the freeze, but of course that causes an error and wont work because my report is messed up. I need this fixed and I need the contact information of someone who can fix it if it happens in the future. 
When I try to pull my credit report on equifax.com and i get : We are unable to complete your order at this time. Please contact our Customer Care department at XXXX XXXX XXXX XXXX 24 hours a day, 7 days a week for immediate assistance. Please record the following information and have it available when you call : Eval Code : XXXX Status Code : XXXX, Reason Code : XXXX
Product: Credit reporting or other personal consumer reports

This collection ( attached ) appeared on my credit in XX/XX/XXXX. It states that I opened this account recently, which is incorrect because I have been living in my current address since XXXX of XXXX AND have not subscribed with any " XXXX XXXX. I can prove that I have been subscribed with XXXX since then XX/XX/XXXX. I am not aware of any XXXX company. 

See reporting attached that I obtained from my credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries listed on my credit report dated XX/XX/year>. These inquiries were made without my knowledge or authorization, violating 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). The specific inquiries are : XXXX XXXX XXXX XXXX Date : XX/XX/year>, XX/XX/year>, XX/XX/year>. 

XXXX XXXX XXXX XXXX Date : XX/XX/year>. 

XXXX XXXX Associates XXXX Date : XX/XX/year>. 

These inquiries were not authorized by me, nor did I initiate any transactions or receive services related to them. Under the FCRA, I request that you : Investigate these inquiries and provide documentation of my authorization. 

Remove any unauthorized inquiries from my credit report.
Product: Mortgage

We closed on our home in XX/XX/XXXX with a monthly payment of {$1200.00} including escrow. As of XX/XX/XXXX our payment increased to {$1500.00} including escrow. Due to that increase I wanted to work on removing escrow so that I could manage my budget and not have continued increased due to shortage etc. 

XXXX. XX/XX/XXXX We spoke to a representative in order to get escrow removed they suggested we bring escrow account to current so we paid {$1200.00} for shortage on account. 
XXXX. XX/XX/XXXX We spoke to representative that stated now that shortage was cleared we needed to send check of {$190.00} to complete the appraisal payment to remove XXXX  then we could remove escrow. 
XXXX. XX/XX/XXXX Check had still not cleared XXXX. XX/XX/XXXX PHH requested we send a new check since they still hadnt received the original check XXXX XXXX. XX/XX/XXXX PHH cashed new certified check XXXX and appraisal was ordered XXXX. XX/XX/XXXX XXXX approved XXXX  removal XXXX. XX/XX/XXXX XXXX denied my escrow removal due to XXXX and TAXES being due in 30 days XXXX. XX/XX/XXXX I paid my taxes XXXX. XX/XX/XXXX I spoke to a XXXX XXXX @ PHH that stated we would submit proof to tax department of payments so we remove escrow. 
XXXX. XX/XX/XXXX PHH denied my escrow removal due to XXXX even though we had ordered and received a new appraisal through PHH that stated our property was at 50 % XXXX XXXX. XX/XX/XXXX I spoke to another escalation XXXX from PHH that stated they were submitting request to escrow department on why we could use new appraised value to remove escrow. 
XXXX. XX/XX/XXXX I spoke to another escalation XXXX that stated the PHH investor guidelines states in order to remove escrow they must use original appraised value.

I have followed every step that PHH has advised me to complete in order to remove escrow and I am still not allowed to. I have never made a late payment on my mortgage and know that an escrow account is not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am actively repairing my credit. I have paid off credit cards. The one XXXX XXXX credit card I paid off I closed. The other one is open and I am thinking of closing it too ( I dont ' see the value ). However experian has fraudulent charges on the report. The total balance is 0. The experian reports shows a balance of {$400.00} when in fact, it is paid-in full, in great standing and never late. However can anyone get a Great credit score if the information is wrong. 

Can you please assist?
Product: Credit reporting

Diagnosed with XXXX. Was placed on medical leave for XXXX., Unable to work consisted. Also please remove all discharged accounts from 2006 BK. Remove all duplicate accounts. Also Fraud investigation. XXXX, XXXX, AND ALL ACCOUNTS TO BE REVIEWED ANS REMOVED TIL INVESTIGATION IS DONE, OVER!! THANKS ... all documents are with attorney.
Product: Credit card

To whom it may concern : My name is XXXX XXXX and my CHASE credit card number is XXXX XXXX XXXX XXXX. I want to request that you resolve this dispute with CHASE Card Member Services for a double charge by XXXX XXXX to my credit card. 
I have presented all the evidence to CHASE concerning the double charge and they resolved that there was no billing error, even with the double hotel electronic invoices presented as evidence. ( Please find CHASE resolution attached ). 

I paid the XXXX XXXX in XXXX, XXXX with my reward points and cash, ( please review as evidence : Invoice # XXXX, Evidence # XXXX and charge to my Chase of {$320.00} ). The hotel charged this in addition to the regular night rate XXXX XXXX dollars or XXXX Colombian pesos, ( please review as evidence : Invoice # XXXX, XXXX XXXX XXXX 's email and charge to my chase of {$2200.00} ). We did not agree to this and have been disputed this since. 

As evidence, I am enclosing : XXXX. The Hotel electronic invoices : a. Invoice # XXXX to which we agree XXXX Invoice # XXXX to which we DO NOT agree XXXX XXXX XXXX XXXX 's email XXXX. Evidence # XXXX : XXXX 's email stating the agreement we made on XX/XX/XXXX as to how we were going to pay for our stay ( reward points and cash ). 
XXXX. Proof of XXXX dollars charge to my CHASE credit card I agreed with XXXX. 
XXXX. Proof of XXXX dollars charge to my CHASE credit card for the same room, which we did not agree. 
XXXX. Chase resolution I would appreciate your help in interceding with CHASE card member services to withdraw the charge in the amount of {$2100.00} as I have been DOUBLE CHARGED. 
If more information is required, please contact me at : XXXX Kind regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX
Product: Checking or savings account

I flew on XXXX from XXXX, Washington ( USA ) to XXXX, XXXX via a layover in XXXX, XXXX ( XXXX ) on XX/XX/XXXX, XXXX. On XX/XX/XXXX, I was charged {$290.00} twice, for a total of {$580.00}. I am disputing this amount since the additional services were not provided by XXXX. 

On XX/XX/XXXX, I purchased two Economy Class tickets on board XXXX for {$490.00} each, for a total of {$990.00}. These tickets were paid for in full at that time. This price was for two round trip airline tickets in XXXX 's Economy Class. At the time of purchase, I utilized XXXX 's upgrade tool. That tool allows a passenger to select a price they would be willing to pay to upgrade to Premium Economy class. I placed a bid a total of {$290.00} per ticket for a potential upgrade to Premium Economy. The tool advises the passenger if two Premium Economy seats become available prior to the XX/XX/XXXX flight, XXXX would have the option to charge me an additional {$290.00} per seat to upgrade to those seats. In this case, there were two tickets purchased, so the charge would be {$590.00} total. I received an email on XX/XX/XXXX stating that an upgrade to Premium Economy Class on the XXXX to XXXX segment was not available, and I would not be charged. My regular Economy Class seats would remain unchanged. ( see attached email from XXXX ) On XX/XX/XXXX, we flew from XXXX to XXXX and were assigned seats 44A and 44B. Those seats were located in XXXX 's Economy Class section, not their premium Economy Class. ( see attached boarding passes for HeaXXXX and XXXX XXXX along with the XXXX map ) The remaining segments from XXXX to XXXX, then from XXXX to XXXX and XXXX to XXXX on XX/XX/XXXX were made in Economy Class. 

Upon XXXX 's failure to remedy this charge, I disputed the charge with Navy FCU on XX/XX/XXXX. At that time, they incorrectly categorized this charge as a " services not received '', but did not issue me a provisional credit. I informed NFCU at the time the credit dispute was miscategorized, yet they did not correct this. On or about XX/XX/XXXX, I was informed that the dispute was denied because I had in fact taken the flight ( despite the class of service being not what I paid for ). I appealed, and NFCU re-opened the dispute. 

At that time, NFCU issued a credit to my account for {$290.00}, but they did not issue the other credit of {$290.00}. I am still out one of the {$290.00} fee 's charged by XXXX. When I call NFCU, I am told they are still working on the dispute, despite the fact I filed the dispute for both charges at the same time. NFCU granted one of the {$290.00} credits, but not the other. And they refuse to remedy this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX XXXX, 2025 Needs to be removed from my credit report immediately I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX