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

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. 
It has come to my attention that XXXX is the data provider for this information. I have already opted out of XXXX, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. 
After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA.

Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. 
Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried cancelling my Experian Credit Monitoring account. There is no way to cancel online. I tried calling and the # 's either did n't work, or they transferred me and left me on hold for a long time. Is this a joke?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX and number XXXX Account name XXXX  and number XXXX Account name XXXX XXXX  and number XXXX Account name XXXX XXXX and number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my whiten instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of an account on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information below contains inaccuracies that I request you investigate and correct or remove immediately : Disputed Account : Original Creditor : Synchrony Bank Account Type : Debt Buyer/Collection Date Opened : XX/XX/year>2024 Balance : {$23000.00} ( as of XX/XX/year>2024 ) Status : Collection account, {$23000.00} past due as of XX/XX/scrub> 2024 Reasons for Dispute : XXXX. Inaccurate Ownership : The account is listed as a debt buyer account, which does not align with my records. Please verify the account ownership and validate the alleged debt. 

XXXX. Balance Discrepancy : The reported balance of {$23000.00} is inconsistent with the original balance and payment history. Provide documentation to substantiate the balance, including an itemized statement. 

XXXX. Date Inconsistency : The Date Opened is listed as XX/XX/year>2024, but this conflicts with my records. Please validate the accuracy of the date. 

XXXX. Incomplete Data : The Terms field is listed as 0 % and the Monthly Payment field is blank, which is incomplete and misleading. 

Per the Fair Credit Reporting Act, the credit reporting agency must ensure all reported information is accurate and complete. I also refer to XXXX v. Equifax Credit Information Services , LLC, which underscores the importance of accuracy in consumer reports. If this account can not be fully verified or corrected, it must be removed from my credit report immediately. 

Requested Action : Conduct a thorough investigation into the disputed information. 
Provide verification and documentation from the data furnisher ( XXXX XXXX  or subsequent debt buyer ). 
Remove or correct all unverifiable or inaccurate information. 

Please resolve this matter within the 30 days required by law and send me a written response with the results of your investigation. If you can not verify the accuracy of the disputed information, I demand that this account be REMOVED from my credit report. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.
Product: Vehicle loan or lease

On XX/XX/2016 I purchased a Harley Davidson from XXXX Harley Davidson, with my purchase they had a package for prepaid maintenance service {$1800.00}. I was told at the time of purchase that I just have to call the service department and schedule a appointment they will pick up the bike bring it in for service and drop it off. I have never used the service when I called to receive my services, The service department told me I had to pay {$100.00} for pick up and drop off. I explained to the department I was never told that and they need to honor the contract they would not honor the contract unless i took the bike to the Dealership. when i called management he looked up my information and told me that my plan was expired and they WILL NOT honor the agreement I requested a refund was denied I called my lender Harley Davidson was told nothing they can do I called back to the Dealership was told sorry. This is UNEXCEPTIBLE my bike only has 6200 miles and they should honor or refund my money. They NEVER told me I had only so much time to use it or mileage just that I had 6 services. I did file a Motor company complain ref # XXXX also. HOW are they allowed to sell plans and not honor or refund customers.
Product: Student loan

Have had problems with this company ever since all my loans were transferred over. Originally had some loans with XXXX and some with XXXX. Now all are with fedloan for reasons I am not sure of. 

Requested to pay additional amount. Took two months to finally go through after several phone calls. Now they just lower my monthly required amount so my additional amount to be paid really isnt much or anything additional at all. Then once I am paid ahead by atleast a full month, they take it upon themselves not to take out a payment at all the next month, and report to my credit report that the loan is in a deferment state, dropping my credit score by over 50 points. I called about this and they told me it shouldnt be in deferred and to send them a copy or screenshot of my credit report. I did not send any additional information to them. This month, that remark on my credit report has been removed and my score is now up again. All for no reason of my own. I want a payment to be taken out every month for the same amount with the additional amount I requested added in every month. Since I requested additional payment be taken out, my payments every month have been different and change constantly. Emails that I get say I owe one thing and the website shows another. I never know what is going to be taken out of my account. 
Their website does not show any details of how interest accrues or how my payments are being applied and I have no option to choose how my payments are applied, additional or otherwise. 
I have looked online and I am far from the only one with these same issues. The company seems to be manipulating my payments and amounts to charge maximum interest. To date, I have paid over 50 % interest. I have paid more interest than principal and the interest amounts change significantly each month, sometimes very little and other times nearly the entire amount is interest. Usually interest is half of my payment. I don't understand how 6.8 % turns into half on a monthly basis. Website is designed very poorly so you can't get any relevant information on loans or do anything other than see what they are going to do with you this month. So frustrating and tiring. XXXX Veteran that used the XXXX XXXX and shouldn't even have all these loans to begin with, but I am trying to pay them down and XXXX is my biggest enemy to paying off these loans. They encourage you to put off payments. Thats the easiest option to find on their website. I am over that and just want to get these paid down in a fair manner. They will have no part in it.
Product: Debt collection

I have a commercial loan that is being serviced now by Fay Servicing LLC. They have incorrectly increased my escrow amount by {$300.00} a month as a result of being unable to read an insurance policy. I communicated with them on XX/XX/XXXX and they told me they were going to fix it after I read the policy to them. However, it is still not fixed. 

For another loan they did not pay the insurance timely and the insurance would have been canceled if not for our efforts and loaning them money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the multiple unsuccessful attempts to correct the late open status and remove the charge-off account from my credit report. Despite numerous requests and providing extensive documentation to support my claims, the erroneous information persists on my credit report, causing significant harm to my financial standing and reputation. 

I first reported the inaccuracies in my credit report and have since made several subsequent attempts to rectify the situation. However, despite my efforts and the submission of supporting evidence, including [ list any supporting documents, such as payment receipts, correspondence with the creditor, the late open and charge-off accountS continue to tarnish my credit history. 

The presence of these inaccuracies not only undermines my financial credibility but also affects my ability to access credit and financial services on fair terms. Moreover, the repeated failure to address my dispute suggests a systemic failure within your organization to handle consumer complaints effectively and efficiently. 

I urge you to take immediate action to correct the inaccuracies in my credit report and remove the late open and charge-off account without further delay. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Rectify the late open status and remove the charge-off account from my credit report promptly. 
Provide me with written confirmation once the inaccuracies have been corrected. 
Implement measures to prevent similar errors from occurring in the future and improve the dispute resolution process to ensure timely and accurate resolution of consumer disputes. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests under the Fair Credit Reporting Act. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

I have tried to contact XXXX XXXX on numerous occasions, via telephone and mail with no success. I have no information about the alleged debt except for the name of the company and telephone number.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting three fraudulent accounts that are reporting incorrect information on my credit report. Ive contacted them for information on the creditor account and they have not sent me any information or original creditor agreements about these account reporting incorrect information on my reporting incorrect information according to the Fair credit reporting act!
Product: Vehicle loan or lease

I will not be finished paying out my car loan on time in XXXX because of their high interest rates and late fees double but I asked them can they work out something to help pay it off by XXXX refinance lower rate discount the car so I can finish in XXXX but they are trying to charge more extra charges and is not willing to work out something I asked for a supervisor to call me have not heard back I called and talked to an customer Service representative that was very un knowledgeable about loan information
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a girl reached out to me and claimed she is a realtor and she can help me get into a rental home that I liked on XXXX. She said her fees are {$1400.00} and that includes her assistance with the application and communicating with the landlord to get an approval. I sent her the money on XXXX. On XX/XX/year>, she requested {$250.00} for the application and holding fee which I sent on XXXX. On XX/XX/year>, she requested {$310.00} to pay the cleaning and processing fee. I sent it to her again on XXXX Then she proceeded to email me a fake document stating that I was approved for the house. After, I noticed the fake document, I reported it immediately to my bank. The girl was never a realtor nor was she able to get me approved for the rental home. The true landlord never even spoke with the girl. I reported this to my bank and they refuse to do a proper investigation and return my money. Ive put in XXXX different disputes and CitiBank denied them all claiming that the information is accurate. Upon requesting more information that supports their result, they only sent me XXXX document for XXXX of the XXXX disputes I put in. That XXXX document stated that they never contacted the merchant and that there was no evidence of account takeover but I never claimed my account was taken over. How can they deny a claim and come to a result if no proper investigation was done? I even filed a police report and gave my bank the report number and they didnt look into that either
Product: Credit card or prepaid card

Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. 
I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. 
It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccurate is highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address a discrepancy regarding my loan payments. My original loan was scheduled to end on XX/XX/year>, with a final payment of {$500.00}. However, after taking a deferment a few years ago, I was notified on XX/XX/year>, that my final payment would be {$1500.00}, due on XX/XX/XXXX, XXXX amount I fully expected. 

Since I had automatic payments set up through Upgrade, I did not make any adjustments, and on XX/XX/year>, the full {$1500.00} was automatically withdrawn. However, on XX/XX/year>, I received an email stating that my account was {$870.00} past due. 

When I contacted Upgrade for clarification, I was unable to get a clear explanation. Despite my automatic payments being managed by Upgrade ( not manually set by me ), I was not given a reason why the full balance was not deducted if additional funds were owed. I was also informed that Upgrade attempted to contact me on XX/XX/XXXX, XXXX, and XXXX, but no method of contact could be confirmed. After reviewing my phone records, I found no callsonly the standard monthly payment reminder and the past-due notice via email. 

Further, the representative I spoke with could not accurately explain the {$870.00} balance. Initially, I was told it was a missed payment ( though my regular payments were {$500.00} ), then the explanation changed to interest. This back-and-forth continued for nearly an hour without resolution. 

To avoid any negative impact on my credit, I paid the remaining balance in full. However, I find this situation unacceptable and will be filing a formal complaint regarding the handling of this issue. 

I request a detailed written explanation of how this discrepancy occurred and why the correct amount was not withdrawn initially. I also expect clarification on Upgrades communication methods and why no direct outreach was made to address this issue before marking my account past due.
Product: Credit card

I was approved for the Chase Sapphire Reserve card on XX/XX/2016. I applied for the card because I had upcoming travel XX/XX/XXXX and XX/XX/XXXX, and wanted the " Priority Pass Lounge Access '' which is stated as a benefit on the Chase website : " Access to XXXX+ airport lounges worldwide with complimentary Priority Pass Select membership. '' Hidden in the terms of service, Chase explains that you must " activate '' this benefit first on their website. After learning this, I activated the benefit on XX/XX/2016 and was told I would receive a card in 2-3 weeks. The Priority Pass card never arrived, so I followed up with Chase Customer Service and was told another card would be sent. Two weeks later, I have still yet to receive this card and I am unable to take advantage of this benefit. 

Chase 's website and terms of service do not disclose that card members may experience a significant delay in their ability to access this card benefit. As such, I believe their website is misleading potential card members to think that this benefit will be immediately available after " activating '' their Priority Pass membership online. 

The terms simply state : " Complimentary Priority Pass Select Membership One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with XXXX balance. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, Penfed credit Union overdraft is also paid infull with XXXX balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.