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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Consumer Loan

Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND NPS DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

last year in XXXX a sales person contacted myself and husband about solar panels. after the sales person made no communication with us and she was telling everyone my information and not directly to us. so i called her and advised her of what she was doing is not right after that i let her know not to use my information anymore and told her in di not want the solar panels in my name. well the sales person went ahead and did what she was not supposed to due. so now i have solar panels on my house that i did not sign for and a loan under my name and my husband name. I've contacted the company many times this yr XXXX and all he does is give me the run around. I even contacted the loan company and they can not help so not its on my credit report and it shouldn't be there. I also have all the documents, emails, and text messages showing I have been in contact with them trying to fix this situations. also the documents DO NOT have mine or my husband signature and this is fraud. I need help in making sure this comes off mine and my husband credit report. I have a lot more emails that I can submit if needed too. these documents are what they send me for my application with is not mine or my husband signature. the emails starts from XX/XX/XXXX i just sent you the most recent emails. I also try to contact empire solar today and he ingore my can and send a text that he was in the office today
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any erroneous accounts should be removed from my credit report. Could you review the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Product: Credit card

On XX/XX/year> I paid XXXX online for a prepaid non-refundable hotel booking for XXXX XXXX XXXX using my Citi Aadvantage credit card. It cost me {$520.00}. The day I was to arrive, I contacted the hotel and found out they had closed down due to the crowdstrike outage. They could not take clients. They told me they would refund the amount but all of this conversation was not written down. I never received a refund after contacting XXXX multiple times. I disputed on my Citi credit card ( Dispute Reference : XXXX ) for services not rendered. XXXX responded by saying that the original booking was non-refundable. And provided evidence of it. Which is true. However, it is irrelevant because the booking was cancelled by the hotel. I have called the citi dispute time multiple times. Every time the agent assures me if I just provide a written statement or something else it will get resolved. I have provided them a written statement. The receipt for the hotel I had to stay in over the same dates as an alternative. I also included an email from the hotel accountant who acknowledged they need to refund me. Every time the dispute people come back and say I have not proven to them it was not non-refundable. It's like there are two different teams, the one I talk to who assure me in the dispute resolution call center that it will be fine, and the people who send me the letters saying it isn't fine. Citi have closed the dispute and are refusing to refund me the money.
Product: Checking or savings account

My savings and checking was hacked into 6 times within 3 days ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) of each other. The total amount was XXXX. I was fully refunded but what does banks do to protect you? I was the one who alerted the bank of fraudulent activities. The Manager of the bank was very nice but not knowledgeable on how we can stop this from happening. I never received an alert from them. I had to call the fraudulent department of the bank to let them know what is going on and they too were not helpful. I am a victim of Identity theft. I took all the necessary precautions with everything and I was still hacked. I now fear that my SS number is compromised. Now I am very spectacle about if any banks are safe.
Product: Debt collection

This company has disclosed that they have no longer have access to my debt and has given it to another company sent me over proof that he gave it over to another company however, they are still reporting. I explained to them I have no recollection of this debt just that does that is from identity theft XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 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. This collection not mines
Product: Credit reporting or other personal consumer reports

After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. As a Consumer Financial Protect Bureau, you are required to make sure Credit Reporting Agencies follow the Fair Credit Reporting Act ( FCRA ) and under 15 U.S.C. 1681, et seq., consumers are protected against inaccurate, outdated, and invalidated information. This account has not been late on payments. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within the consumer files is accurate and free from errors. I've attached a copy of my XXXX report and XXXX report both showing the below XXXX account as paid on time and never been late, the date in question is XX/XX/2024. You can't have one agency reporting an account as paid on time and another agency reporting the same exact account as late. That's a FCRA violation right there. I'm requesting an investigation into the below account and update these payments to paid on time immediately. Thank you for your prompt action. XXXX XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

I have several store credit cards that were with Synchrony Bank, specifically Amazon Card ending in XXXX, Lowe 's card ending in XXXX and Walmart card ending in XXXX. For the entire I time I held these cards, I opted in, and paid fees for their " credit protector '' service, which provided that should I become unemployed, my minimum monthly payment would be made, and if my unemployment lasted more than 3 months, my entire balance would be forgiven. 

On XX/XX/XXXX, I was laid off from my employment from XXXX XXXX. Prior to that date, I had been employed full time for 5 years, and had never been late on any of the above Synchrony Bank issued credit cards. I immediately filed for unemployment, and submitted a claim on all of my cards under their " credit protector '' service. I did not use any of the cards after I became unemployed. 

They made one or twXXXX payments on the accounts as agreed. 
My unemployment continued for a full 6 months, until I obtained new employment on XX/XX/XXXX. As I was unemployed for over 3 months, the balance on my accounts should have been forgiven in accordance with the terms of the " credit protector '' insurance. I mailed all requested documents to the insurer as requested, twice, but no further payments were ever made by the insurer, and my accounts went into collection status. Every time they called, I informed them of the credit protector insurance claim, but they would not listen to this, and just insisted I make payment. At this point, I became overwhelmed just trying to keep my mortgage paid, and I was unable to address this issue any further, as by this time, Synchrony bank had destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement. I have previously provided documentation to the credit protection insurer for Synchrony Bank on two occassions, with no acknowledgement that they ever received them. I also had a CareCredit account with Synchrony Bank which had a {$0.00} balance, which they also closed when they closed the other accounts, even though it was an account in good standing. 

I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is approximately 1 week after I became unemployed and was first eligible for unemployment and filed my initial claim with Synchrony Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - XXXXExperian ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer Name : XXXX XXXX XXXX XXXX I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I called Nelnet on XX/XX/XXXX to request a refund for some payments I made during the pandemic pause. I asked for a refund of payments made on XX/XX/XXXX through XX/XX/XXXX ( totaling {$4900.00} ). I was told that the refund would be processed in 4-6 weeks and that I could call back for for information once the refund process was initiated. As of XX/XX/XXXX it has been six weeks and I have not been able to get an update. Every time I call Nelnet customer service, they tell me that the refund is still in process and they can't give me any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent items attached are not mine. I pay all my bills without an issue. I refuse to be responsible for fraudulent items on my credit report
Product: Debt collection

I walked into XXXX XXXX to see how much it would be for a XXXX. The cashier rang it up told me the amount and I declined. I left the store with no phone and no services. Then months later, I receive collections notice I have never had this phone in my possession, so I am unsure how I am being charged for something that I have never had in my possession.
Product: Mortgage

I was going through XXXX when I Applied for forbearance myself in 2014 by myself through Bank of America my mortgage company at the time It never went through Was advised to go to HUD filled out paperwork again cause rep stated I cant use original paperwork I had. Fast forward just lost my mom so I was trying to get home equity loan however was advised I have two liens on my home for 2014 two months difference from HuD / Bank of America. Went to state representative office who verified and documented this was a duplicate. They gave me payoff notice for the correct amount which was for the lowered lien amount. I am trying to get someone who can correct all lien and systems who can remove the lien which is for the higher amount out of credit and lien systems so I can get home equity loan to help me pay off my debts. Tried calling Bank of America and they do not want to assist me since they sold my mortgage to shell point. And shell point referred me back to Bank of America which is the pits. They sold my mortgage to XXXX XXXX  stating I have a forebearance and XXXX XXXX  was given the forebearance amount and now they are also trying to obtain a forebearance amount as well. This is a mess I need the lien to be removed and XXXX XXXX to remove this forebearance from my account cause I am not paying this duplicate forebearance which is lien on my house that I have payout not for am willing to pay to get this off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a number of attempts to contact and resolve my issues with Equifax and they keep telling me the same thing over and over and nothing is actually being done. I have a total of 10+ hard inquiries that are wrong! They promised to remove and still more added, There are Laws in place for this and they have not followed one. I am also finding out that my Equifax account is one of many in the Equifax Breach Settlement.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. Thank you in advance for your immediate attention to this matter.
Product: Credit card or prepaid card

Upon card has been activated a got 2 charges from same merchant which I did not make it. I was trying to contact them via phone number and visited branch but they keep saying me that I need to pay full amount for fraudulent transactions. I disagree with it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX  XXXX for the account number XXXX The late payments are reported as being dated XX/XX/year>, XX/XX/year>, XX/XX/year>,, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official complaint against TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) for Case number XXXX Judgment of Possession on XX/XX/2018. This information is inaccurate and unverified directly by XXXX XXXX XXXXXXXX XXXX And XXXX XXXX, XXXX XXXX, Florida. According to XXXX XXXX XXXX records searched by XXXX XXXX found NO SSN or Drivers License or any other verifiable identifiers that ties my name XXXX XXXX directly to this eviction from XXXX XXXX. As stated by XXXX XXXX, there are several XXXX XXXX 's in their database and no identifiers that ties this eviction to me. Under The Fair Credit Act, you are required by law to remove this inaccurate unverified information from my consumer report immediately. XXXX XXXX, Florida is the original source and I have attached their original letter sent me by request of the clerks office as proof that this eviction Case number XXXX is not identified as XXXX XXXX with correct SSN and Drivers License. Original emails to the clerks office was attached. 

I have supplied TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) with this information and they refuse to remove this unverified information and continued to update Case number XXXX was updated to show as Judgment of Possession on XX/XX/2018 on your consumer report. TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) is violating my rights Under The Fairs Credit Act 605, 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with a company reporting on my equifax credit report which has already been deleted last XXXX for failure to validate however equifax has allowed them to continue to keep reporting even after deletion even doing so without proper notice per us code1681i I have asked on numerous occasions to mail me documents pertaining to this deletion for confirmation and for my records and I have not received such. And it has been over 60 days on when calling they force to sit on hold in hopes to get you to use the faulty online dispute system the company name in question is credit acceptance reporting Us code 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency
Product: Credit card or prepaid card

Hello I have been the victim of Identity Theft, and the thief has opened several accounts with Synchrony Bank ( which operates many different store cards ). I have been able to shut down two of those accounts but there are more appearing on my credit file as recently as two days ago. I am struggling to recover from this identity theft. Please help.