23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection on my report for XXXX. I moved into an apartment with a roommate who had already been living there for 1 year before moving out. I paid my rent monthly rent and moved out after a year. My roommate never paid the rent i guess. I now have a collection on my report for XXXX and i only lived there a year and paid rent. They are trying to collect from the wrong person. Please help me get this removed.
Product: Credit card or prepaid card

Yesterday, I had a terrible experience with Chase Ultimate Rewards and XXXX rentals in XXXX. It was experienced by me as a blatant case of discrimination. I have a Chase Sapphire Reserve card and I used XXXX Ultimate Rewards points to book a rental car in XXXX for a trip with close friends. Because the flight connection ( which I booked using XXXX on XXXX ) was close, the baggage was lost. This meant I had to file a complaint which in turn meant I was around one hour late in picking up the car. But when I got there, the lady looked me up and down and then asked for my international driver 's license. I told her that that this was not in fact a listed requirement. I had read the terms and conditions and I assumed that if an IDL was needed XXXX and Chase would both have listed it. But instead, the woman contemptuously snaps at me " XXXX it ''. Could they maybe have googled it when writing out their terms and conditions? Would she have spoken to a white person like this? Probably not. My friend who also booked with Ultimate Rewards had no problem picking up her car without an IDL. I then spent hours speaking to Chase Ultimate Rewards representatives, who were appalledand said my points would be refunded back on Monday. That it would all be written in the notes. But it wasn't. In fact, when I called again, I was told that the rental car agency said I was a " no show. '' The representative to whom I spoke ( " XXXX '' ) was also extremely rude. He kept referring to the need for a " black and white picture '' as if I was lying. And I am not down XXXX points with no car on this trip. 
Theoretically it will take 3-5 days to get a refund if i even got one which means that it will be useless for this trip.

I would like to know what rights I have if any? Of course I can stop using Chase Sapphire Reserve - and I fully plan on dong so - but I not sure that will heal my anger at being a victim of blatant, hostile discrimination. 


@ ChaseSupport @ Chase ultimate
Product: Credit reporting

I tried to open an account with XXXX and I was told that I already have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt with them for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been with XXXX XXXX XXXX since XX/XX/XXXX I know that is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/, 2023, to update the erroneous information. I think the 3 Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following accounts that do not belong to me : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX
Product: Debt collection

On XX/XX/XXXX I requested to be sent verification that this was indeed my debt and nothing has been provided and I feel that this is not my account I still have not received anything by mail or email confirming this is my debt or account
Product: Credit card or prepaid card

Barclays collaborated with XXXX XXXX and issued me an Wyndham Rewards Visa Card to purchase " points '' that I did not want. 
XXXX used deceptive practice and fraudulent pressure to sell their product, and Barclay being the active party immediatey issued a $ XXXX credit card making it difficult to back out. 
Since XX/XX/2019 I have been paying back the loan. I never used the " points '' and will be not be using it in the future. I had exceed the 5 day grace period in XX/XX/2019 to back out of the application. ( Less than a month ) I called them but they provided no resolution. The card was technically never activated by me. 
Just to keep myself from being reported to the Credit Burea I continue to make a monthly payment. I am nealy XXXX and was very tired on the date of the purchase. The value of the Club package was $ XXXX which they kept being charging to this card. I currently pay over {$150.00} in monthly interest. 
I relaxed a moment only to become a victim to their scheme - a nightmare. An entanglement impossible to get out without spending even more money. 
Lost all my respect for Barclay a financial instituion I had admired.
Product: Checking or savings account

To whom it XXXX  concern, I am writing to file a complaint against Current Bank for fraudulent transactions and poor customer service. I have been a loyal customer of this bank for many years, but I have recently experienced a serious problem that has caused me financial and emotional distress. 

In XXXX, I noticed several unauthorized transactions on my bank account that totaled over {$4000.00}. I was shocked and alarmed by this discovery, as I had trusted the bank to protect my money. I immediately contacted the bank to report the fraud and request a refund, but I was met with indifference and disrespect. 

The bank did not inform me of any suspicious activities on my account, as they are supposed to do. They also refused to provide me with their phone number, even though I explained that I have a XXXX XXXX and need to speak to a representative. They told me to resolve the issue online, which was very difficult and frustrating for me. 

The bank 's failure to address this issue has left me with the burden of dealing with the fraud on my own. I have lost a significant amount of money and suffered a lot of stress. I feel that the bank has violated my consumer rights and betrayed my trust.
Product: Debt collection

In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.
Product: Debt collection

Dear CFBP, I am disputing the collection account reported by Columbia Debt Recovery. The information is inaccurate for these reasons : Invalid Lease Signature : The lease does not have my legitimate signature. I sign in XXXX, as shown on my ID, making this signature fraudulent. 
Unsubstantiated Move-Out Fees : Cleaning and painting fees lack evidence. The property was thoroughly cleaned, and no photos or inspection reports were provided to justify the charges. 
Incorrect Rent Charges : I vacated the property on XX/XX/XXXX, yet am being billed for XXXX XXXX. This is incorrect and unjustified. 
I request verification of this account or its removal from my credit file per the FCRA. Supporting documents, including my ID and move-out records, are available upon request. 

Thank you for your prompt attention.
Product: Mortgage

loan company Mr.COOPER dba Nationstar paid the wrong homeowners insurance company after they were told on XX/XX/2019 not to pay any one until i gave them my consent since I was shopping around for a new policy. Well they took it upon themselves to pay a company by the name of " XXXX XXXX '' After filing a complaint against them with you ( CFPB ), Mr Cooper contact XXXX XXXX XXXX to get my money back.The amount is {$3600.00}. 
XXXX XXXX mailed back the check to them on XX/XX/2019 and Mr Cooper states that they haven't received the payment. I suspect that they are lying like they did on my previous complaint against them. 
I am attaching proof that XXXX XXXX returned the uncancelled check to them. 
I want my escrow account to reflect the {$3600.00}. 
Mr Cooper is as crooked as they come.They shouldn't be allowed to do buss after all the problems they had under Nationstar.
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a charge of {$450.00} on my card via Comenity Bank 's online secured system. The charge was posted on XX/XX/XXXX. I advised Comenity Bank that I had requested the company that placed the charge on XXXX. XXXX, and XX/XX/XXXX to remove the equipment they installed on XX/XX/XXXX. The company, XXXX XXXX, didn't respond or pick up the equipment. 

I was told by Comenity Bank that I needed to mail a letter to them on the address on the back of my statement. On XX/XX/XXXX, I sent them a letter with the details. The technician showed up XXXX  hours late and installed the equipment in the wrong location. The cameras picked up about 30 % of what my Ring cameras picked up and I asked on several occasions for them to be removed. 

When I called Comenity Bank to confirm receipt of my letter, I was told it would take XXXX  days to investigate. I confirmed this company would not be allowed to charge my card. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the same company charged my card for {$64.00}. I called Comenity on XX/XX/XXXX and XXXX and was told to dispute the charges online. When I called this last time threatening to report Comenity Bank to CFPB, I was told how to freeze my card from recurring charges but they claim to still not have any information about crediting my account. They never offered this information before. I have copies of all emails to both Comenity Bank and XXXX XXXX. They are all fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company to correct the wrong information on my report, as they are completely invalid. I feel I have been marginalized by this situation because I have not received a response in connection to my complaint. I felt forced to file a complaint against them, as my initial attempt to reach out to these companies occurred in XXXX of 2021. The invalid information that is being reported is negatively impacting my reputation and hurt my credit score and report. I sent in my request over 90 days ago and have been ignored and not responded to till this date. I have self-learnt and now now that Section 611 ( a ) requires that these items be removed if there is a failure to investigate and respond within 30 days. Again please be aware that it has been over 90 days and I have not received a response from these companies. I request that these items be deleted or I will seek and utilize litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a follow up complaint Referring to my prior complaint # XXXX XXXX XXXX. 
The company absolved me of the disputed {$600.00} and removed x1 XXXX $ late fee. 

The company is now giving me a minimum payment of {$300.00} due on XXXX XXXX. I just received this notification letter via mail XXXX XXXX. 

This amount includes interest charges on the disputed {$630.00}. 

The late fees from OcXXXX XXXX XXXX  add up to {$220.00}. The interest fees add up to {$20.00}. XXXX + XXXX. Not XXXX. A difference of {$66.00}. 

I was denied previously that all late fees and interest be removed due to my 6 months of trying to contact this company via multiple sources and them denying my dispute in XXXX.
Product: Credit card

I lost my Comenity Capital Bank XXXX XXXX credit card : XXXX and someone made fraudulent and unauthorized charges and transactions on my XXXX  XXXX credit card. Theres over {$600.00} to {$900.00} in fraudulent transactions on my XXXX  XXXX credit card. I didnt make the transactions. The transactions are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX XXXX : Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to file a complaint concerning inaccurate information on my credit report. I believe this information is incorrect and would like your assistance in resolving this issue. 
Personal Information : Full Name : [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX : [ XXXX XXXX XXXX XXXX ] Phone Number : [ XXXX ] Email Address : [ XXXX ] Credit Bureau Information : Credit Bureau Name XXXX [ XXXX, XXXX, Experian ] Report Date : XXXX XXXX XXXX  Details of the Inaccurate Information : Account Name or Number : [ Provide details of the account ] Nature of Inaccuracy : [ The Names Addresses and Date of Birth that is being reporting is inaccurate- Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX Correction : Full Name : [ XXXXXXXX XXXX XXXXXXXX ] Address : [ XXXX XXXX XXXX XXXX ] Phone Number : [ XXXX ] Email Address : [ XXXX ] I appreciate your attention to this matter and request your assistance in ensuring that my credit report is corrected. Please keep me informed about the progress of my complaint. 
Thank you for your time and assistance. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Prepaid card

I have an cash app card and I noticed several transactions made to pulsz.com using my card and I didn't make any of them nor did I authorize anyone else to make them. So i contacted cash app while they were still pending to inform them they were unauthorized transactions and I also reached out to pulsz.com to inform them they transactions were unauthorized. So after I filed dispute and XXXX days has passed I contacted cash app to check status of my dispute cause I have not been issued a provisional credit yet and I wanted to make sure cash app was following the guidelines set my regulation e. Well everytime I try to speak with support staff none of then listen to me and do things I did not ask them to do. And none of them will acknowledge that they are required to follow the law of regulation e cause they keep telling me the dispute will take XXXX days and I keep informing them they only have XXXX to either decide or issue a provisional credit if the investigation takes longer it seems cash app is not doing what's best for their customers and possibly breaking regulation e laws.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Debt collection

I have an issue with XXXX XXXX XXXX XXXX. They have sent a bill into collections for a month of service not used. On XX/XX/year> I switched television/internet/phone service from XXXX XXXX XXXX XXXX  to XXXX XXXX The deactivation date for my account was XX/XX/year>. On XX/XX/year> I received email confirmation of the return of XXXX XXXX XXXX XXXXXXXX XXXX  equipment to them. In XX/XX/year>, XXXX XXXX XXXX XXXX sent a bill for XXXX usage of said services. I contacted XXXX XXXX XXXX at that time letting them know I couldn't have used its service as I was no longer with them. I have sent copies of the correspondence I received from them concerning the cancellation of service as well as the receipts for the equipment, but yet they continue to try to collect for a month after all services had been deactivated.
Product: Student loan

Dear Sir or Madam, I had Federal student loans with XXXX XXXX that were transferred to Navient in XXXX. I attended XXXX and XXXX school, completing my education in XXXX XXXX. Upon graduation, I consolidated my loans with XXXX XXXX. I recall having an APR of 1.9 percent upon my consolidation. I noticed that a XXXX statement from XXXX XXXX has 2.6 percent. 

Recently, in just the past month or so, I have received an email from Navient stating they have accepted my deferment request. I emailed their help center and told them this is an error, or someone trying to hack into my account, since I DID NOT request a deferment. They sent an automated email back saying they are sorry I am having financial difficulty and options under such circumstances. They could n't even bother to have a human read my complaint/error report. Additionally, my APR is now 2.85 percent. I consolidated my loans at a fixed APR for the life of the loans. 

Navient has no after hours helpline, and since I am in Hawaii and they are on the east coast it is very difficult to find time to call them during the work day. I will obviously make effort to call this coming Tuesday morning first thing since I am extremely frustrated and feel cheated. 

I feel something criminal is happening and all Navient can do is send automated replies after 8 days of my written error report. I have had much better luck with email inquiries with companies such as XXXX, XXXX, and others. Naivent seems very shady and I am going to look into an alternative company to house my student loans. 

Thank you, XXXX