23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The credit card company closed my account after I made payment on XX/XX/2020, but claimed they closed it on XX/XX/2020. My payment was made using XXXX XXXX. They have refused to issue refund for {$310.00}. I have written a request to expedite refund due to current crisis in the US. I am only asking for assistance for the company to release my funds immediately. I have asked if funds can be sent back to XXXX XXXX and XXXX XXXX said they will reissue a new reference ID number for me to pick up funds.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi XXXX of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Product: Credit reporting or other personal consumer reports

This is a formal follow up complaint regarding an ongoing issue with a late open account on my credit report. Despite my numerous attempts to rectify this matter, it remains unresolved. I have contacted the credit reporting agency and the creditor XXXX times to correct a late open account that has been inaccurately reported on my credit report. Despite providing all necessary documentation and evidence to support my claim, this error persists. Each time, I have been assured that the issue would be resolved, but it remains unresolved. This incorrect information has significantly impacted my credit score, resulting in denied credit applications, higher interest rates, and undue stress and frustration. As a responsible consumer, I have diligently followed the dispute process, but the lack of resolution has been unacceptable. I kindly request that you could intervene to ensure that the incorrect late open account is promptly and permanently removed from my credit report. I also request that any negative impacts resulting from this error be rectified, and that I receive confirmation in writing once the correction has been made. Please help me correct this account : XXXX XXXX XXXX XXXX : {$3300.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately.
Product: Debt collection

First of all I have no idea what this charge is for or when it originated. if it originated on the day that XXXX on XXXX XXXX of 2015 I have insurance through my job at XXXX XXXX XXXX and there should be no reason why there would be any charge on my account especially at a hospital. Also, it shows on my closed accounts that this same charge had been closed previously and reopened multiple times after I challenged XXXX it reopened in the other ( XXXX to XXXX ). Which seems to me to be sneaky, if you close it close it. I disputed it on XXXX saying I have no clue about this charge and they did nothing and showed me no documents on this charge. I really have no idea what its for. I have had insurence for the passed few years and have n't even seen a hospital. It is seriously affecting my credit unless it can be justified somehow I see no reason for it to be there. I do n't have any recollection of a almost {$900.00} visit. Please help. Show me documents, something.
Product: Credit card

In XXXX, I signed up for a CareCredit card to fund the XXXX of a pet. The first six months of payments are interest free. 

When I received my first statement in XXXX, I noticed a PYMT CARD SECURITY charge. I wasnt sure what the charge was for and didnt take action until XXXX when my statement again showed this fee. After doing a bit of research in credit card forums, I discovered that others have run into this same issue with CareCredit. It seems that despite my never consenting during the credit card sign-up process, the company is sneaking in a 1.6 % fee on the outstanding balance. 

Inside the CareCredit app, I navigated to the contact via chat section. I asked to remove payment card security and the chat bot responded with an automatic message telling me to a call an XXXX number to remove the charge. The XXXX number included an automated voice that asked me to enter the CareCredit card and to proceed with ending the 1.6 % charge. Within the week, my CareCredit reflected the fee being refunded to my account. 

Overall, I am satisfied that the money was returned and the process for getting it back was relatively simple. However, I am disturbed that the hidden fee was applied in the first place. I dont remember consenting to this, and I never received any information for opting out either. People in the forums were mentioning in their experience me that they couldnt get the money back after 90 days of opening their CareCredit account. Luckily for me, I was still inside the 90 day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax and XXXX XXXX by written letter on XX/XX/XXXX regarding a fraudulent XXXX account that is reporting only on my Equifax credit report. I have not received a response from neither XXXX nor Equifax regarding this fraudulent account. This inaccurate and unverifiable XXXX account needs to be removed from my credit report immediately. This fraudulent account has affected my credit score tremendously. I would like for this account to be removed from my Equifax credit report immediately as I am entitled to a correct credit report. Also I noticed on my Equifax credit report that payments were made on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide me with the information on who made these payments, voided checks and bank information so that I can file a police report as this is not my account. Your attention to this matter is greatly appreciated. 

Thank you
Product: Payday loan, title loan, or personal loan

This complaint involves the XXXX XXXX This loan was obtained for a solar system through XXXX XXXX. Our system was promised to save our entire power bill and we were told our power company would even buy back our excess. This was a lie, our state does not buy back power. Our system, {$70000.00} doesn't produce enough power to cover more than $ XXXX per month of our power bill. Our system was installed on our steep roof, facing east. It will never get more than three hours of sun per day. It sat for six months not functioning while Goodleap made us make payments because XXXX 's installation continued to fail inspection. XXXX said they would remedy the situation of our lack of production for months and never did, then shuttered their doors. Meanwhile, the system is not producing and we have absolutely no warranty on these expensive panels as promised in our contract. 

Since XXXX has shuttered, we are now reliant on Goodleap, who has no interest in remedying our situation. Their attitude has been completely condescending and they said that we signed a contract and we were responsible to pay either way, and have had the nerve to threaten us with legal action. I suppose the contract only goes one way. We stopped taking their phone calls because they were rude and threatening. There is a lien on our home and we don't even have s copy of the contract we supposedly signed with them. They never mailed us one document except threatening letters when we told them we would not pay until we got a system that functioned as we were sold. 

I didn't finance {$70000.00} to save {$30.00} a month. Goodleap is complicit in XXXX 's fraudulent solar system sales.
Product: Credit reporting or other personal consumer reports

I placed a freeze with Equifax on XX/XX/XXXX, and was given a PIN to use to lift the freeze at a later date. Earlier this year ( XX/XX/XXXX ) when I called to have the freeze lifted I was informed over the phone that the PIN system is no longer used, and since I dont have a social security number ( I'm not a XXXX XXXX ), they could use my individual tax identification number ( ITIN ). I was instructed to make my request by mail with copies of the following documents enclosed to verify my identity : ITIN renewal letter from IRS, Credit card statement with current XXXX mailing address, Current drivers license, The above documents were provided by mail, and a few weeks later I received a response in the mail saying that without a SSN they could not remove the freeze. I called them again, and spoke to a supervisor who told me there was nothing they could do now that they no longer use the PIN system and that the report could not be unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I disputed multiple FDCPA violations on my credit file and they have yet to address this matter for me. I feel like Im being taken advantage of and its becoming really exhausting and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED THAT SOMEONE OPEN A CREDIT CARD ACCOUNT WITH MY PERSONAL INFORMATION XX/XX/2023, I REACHED OUT TO CAPTIAL ONE FRUAD DEPARTMENT AND THEY SAID THEY WILL DO A INVESTAGATION WHICH HAVE NOT BEEN CONDUCTED IN A MANNER FOR MY SAFETY AND PROTECTION, THEY CALLED ME, EXCUSE ME THEY HARASSED ME AND INSIST THAT I GAVE THEM INFORMATION I DONT HAVE .. ALSO I ADDRESS THAT I WILL LIKE TO HANDLE EVERYTHING IN WRITING SO NOTHING WILL BE USED AGAINST ME. THEY WAS VERY RUDE IN A SENSE THAT I WAS BEING ACCUSED AND ATTACK FOR MAKING A CLAIM...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : Date of inquiry : XX/XX/year>, XXXX XXXX : Date of inquiry : XX/XX/year> And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681-5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are supposed to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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. 

Disputed Personal Information I have identified that the following personal information on my credit report is incorrect and inaccurate : ( incorrect ) Full Name : [ XXXX XXXX ] Also Known As : [ XXXX, XXXX, XXXX XXXX XXXX ] Correct Full Name : [ First : XXXX XXXX : XXXX Last : XXXX ] ( incorrect ) Address : [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] Correct Current Address : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] ( incorrect ) Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX  ] Correct Employer ( s ) : XXXX XXXX XXXX XXXX This incorrect personal information, coupled with the aforementioned inaccurate account details, must be updated immediately to ensure compliance with FCRA standards XXXX
Product: Student loan

On XX/XX/XXXX I signed a digital contract with XXXX XXXX XXXX to pay them a specified amount ( $ XXXX/ month ) for a total financed amount of {$1300.00} over the course of 3 years for services rendered by The Student Loan Relief Department for student loan debt reconsolidation. After calling multiple numbers provided for different departments and emailing different individuals from The Student Loan Relief Department since XX/XX/XXXX I have not been able to reach anyone. Student Loan Relief Department : XXXX XXXX, Enrollment Advisor, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Quality Assurance Manager, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Client Services, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Enrollment Account Specialist, ( XXXX ) XXXX, XXXXXXXXXXXX One of the numbers that I was provided for The Student Loan Relief Department has since been changed to that of a department store. When I call the number on their website it will ring and then the call is ended. In XX/XX/XXXX I was alerted by my credit monitoring agency that my credit score had dropped a significant amount because I was not notified that my required repayment period had begun 90 days prior and I was never notified via telephone, e-mail or US mail, despite efforts to contact these companies prior to my credit score dropping. I contacted my original loan servicer, XXXX XXXX XXXX, at which time they notified me that Student Loan Relief Department changed all of my passwords and usernames for my profile which prevented me from accessing my account to get my repayment information for my loan. I was also granted a temporary forbearance because of above situation. I did not give them permission to access, nor changed my account with my original loan servicer, XXXX XXXX XXXX. I was finally able to get into contact with XXXX XXXX ( XXXX ) at Student Advisors ( I believe this is a company that The Student Loan Relief Department is affiliated with or they also conduct business under this name ) on XX/XX/XXXX. I requested that my account be cancelled because the promised services were not rendered ( student loan debt consolidation & public service loan forgiveness document preparation ). At this time I was told that a manager would contact me. On XX/XX/XXXX I called XXXX XXXX direct line and I have not been able to contact him since. To date, I have paid The Student Loan Relief Departments financing company, XXXX XXXX XXXX {$190.00} for services that they are not providing. I have since removed my bank account information from XXXX XXXX website so that they can not debit any money. I know that this will eventually end in my credit score being affected yet again because of missed payments. I have not been provided with the documents that The Student Loan Relief Department provided to the Department of Education on my behalf so it is not included below.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation address XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX I, XXXX XXXX : XXXX XXXX, 2021 {$11000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$18000.00} Needs Attention XXXX  XXXX  A Reported : XXXX XXXX, 2021 {$2700.00} Needs Attention XXXX  XXXX  XXXX Reported : XXXX XXXX, 2021 {$73.00} Needs Attention XXXX XXXX  Reported : XXXX XXXX, 2021 {$190.00} Needs Attention XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$1100.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 Section 602A. 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: Mortgage

I agreed to short sale my home with Nationstar for a set amount, less than what I owed, however, the home sold for more and Nationstar was made whole. At the time Nationstar executed the Purchase contract they agreed to give me {$36000.00} in relocation fees, which they are reneging on. XXXX : XXXX - Short Sale - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX : Nationstar XXXX No : XXXX : XXXX Bank Account No : ****************Re : Relocation Funds for Seller XXXX and XXXX XXXX XXXX find the XXXX XX/XX/XXXX bankruptcy documents. The Discharge and Final Decree from the XXXX Bankruptcy Court, XXXX California XXXX XXXX ) lists XXXX XXXX ( taken over by XXXX Bank XXXX as a creditor, and confirms the debt was discharged. Attached also find the notification from the creditors meeting, confirming the date of recording, and that the court has determined the date of the lien is XX/XX/XXXX. This can be also be confirmed by the title report in your possession, and has been confirmed to us by the Nationstar 's attorney at XXXX Foreclosure Corporation. Also, attached please find the Notice of Motion for Relief of Automatic Stay, Proof of Service of Notice for Motion for Relief of Automatic Stay, and Relief from Stay. In the bankruptcy, only the XXXX lien, which is the mechanics lien, and the XXXX lien, the deed of trust now held by Nationstar, were not discharged. All other debts, including the debt of XXXX XXXX, the lien for which is now held by XXXX Bank, were discharged. The bankruptcy documents clearly show the XXXX XXXX debt as discharged. The bankruptcy documents clearly show that the only XXXX valid liens are the mechanics lien, and the Nationstar deed of trust, and these same documents confirm that the XXXX lien is the mechanics lien, and the XXXX lien is the Nationstar deed of trust. This information is all a matter of public record and is easily available from the XXXX Bankruptcy XXXX, XXXX California XXXX XXXX ). XXXX is not entitled to any funds from the sale of my home they did not exercise their rights within the Bankruptcy court nor did they show up for any of the proceedings.
Product: Credit card

hello, I stated this hotel in the month of XXXX and there was plenty of issues with the lack of cleanliness and service issues overall. Management approved me for me to get a refund in the amount of {$230.00}. The issue was the hotel city that they couldnt refund me initially because I went through a XXXX-party, XXXX. I went to XXXX and notified them as issue and stated that the hotel wanted to give me a refund and they investigated and determined that I should get a refund in the amount of {$230.00}. At this time due to initial issues with The hotel started to claim with PayPal to dispute a portion of the hotel fees. Investigation PayPal was only XXXX that denied the claim and cost everything to be delayed in regards to refund. They have stated that it has been processed correctly or that they did not receive documentation for me, which they did. I am Infuriated that their dispute department Doesnt do their due diligence with investigations. This was an easy dispute and yet they denied it and I provided confirmation that I was entitled to a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than 36 inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and received over XXXX hard inquiries on my TransUnion Report. I called to dispute and nothing has been done about it. I cant even get a card because of all these inquiries that were not made by me. And also there are accounts in my name that are not mine.
Product: Checking or savings account

I filed a fraud case against a XXXX XXXX XXXX after they attempted to scam my husband and me. Over the phone, a Bank of America rep said they would refund all of the money paid from my checking account ending in XXXX. There were three transactions that Bank of America said they would refund. Amounts were a down payment amount of {$6200.00}, and two additional monthly paid amounts of {$930.00} each. When I received the one refund for {$6200.00}, I moved the funds into another BOA account. Later on, XXXX wrote a rebuttal letter full of untruth about what happened. Bank of America reversed all funds back to XXXX ( including the {$6200.00}, which set my account into a negative balance. I wrote another response letter. This time I sent actual documented proof of the fraud. One day, as I went to check the status of my account, I discovered Bank of America shut down my account. They did so without notice or reason for doing so. Before BOA shut down my account a few deposits from my job were absorbed into the negative balance. I filed a complaint with the FTC a letter concerning XXXX. ( I have the letter as proof ). I waited for the investigation. Still no refund to me. Finally, at the end of last year ( 2021 ), I received a notice that the FTC filed a class action lawsuit against XXXX. The FTC sent me the lawsuit letter with a small check for approx. {$170.00} because I was one of the victims of fraud. I called BOA and reported the class action lawsuit with the hope of having my account restored and money owed refunded. BOA rep agreed that I would get my account restored and my money refunded back to my account. I was instructed to fax a copy of the letter and the check to them. I faxed a copy of the letter and the check to them. After waiting several days for a response or refund, I called BOA. Several times I was hung up on after explaining my situation. On other days when I called, I was switched around back and forth held in a queue for several hours. The last call I made, my call was switched between five different departments for approx. 4 hours. I has to repeat my situation each time including my name and verification process. Very frustrating because I was told I did not have to do this each time I was switched. Anyway, each dept would agreed that I would be given my money back but each dept was confused on how or what should happen next to make this happen. Each department pointed me back and forth in an infinite loop. Today, my account has still not restored and the money owed to me by BOA has not been returned yet.