23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX Account # XXXX I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payment in the month of XXXX XXXX or XXXX XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Also, they reported this payment " late '' in DIFFERENT months, the information does not match other bureaus and is simply false.
Product: Student loan

Back in 2008 or maybe earlier, before or at the beginning of the financial crisis, and while in XXXX, I co-signed a student loan for my parent guardian, grandmother, who is now XXXX XXXX XXXX. She used the loan to continue her education at XXXX. 

I am seeking a removal from this loan as I believe it was an unsuitable loan and arrangement for the following reasons : I was a cash-strapped college student and young adult ( XXXX or XXXX XXXX XXXX ) with minimal working history. 
I lacked the background, cash flows, and credit history to make this deal secure. 
I did not have the background or knowledge to fully ascertain the risks and associated with co-signing the loan. 
And lastly, if I had the mindset of a reasonable borrower, I would have not signed or entered the loan. 
Considering all factors, the loan is unreasonably termed and rated, making it predatory and aggressive. 
Given these combined reasons, I demand Navient release me from this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, right after the huge data breaches at the credit reporting companies, I put a " freeze '' on all 3 credit bureaus. XXXX, XXXX  and Experian.

I am now trying to refinance and need to " unfreeze '' my credit reports. Simply done for XXXX   and XXXX. Experian is another story. I have tried for 2 weeks to get a person on the phone. I have the original PIN they gave me, and it does NOT work. I have followed the instructions, sending all my personal info, my drivers license and a utility bill through the regular mail. In a million years I would not have chosen to send such sensitive information by mail, let alone all on one page, everything someone would need to steal my identity. Why even here, I'm asked NOT to offer this information. How can a company I haven't employed hold me hostage. How can this be sanctioned? They have an enormous effect on our lives and yet they are immune to any questions or interaction. I have the highest credit rate, over 800 on all three and yet I feel like a criminal. I have been on pins and needles praying my personal information and my identity are secure. As of yet I have not received a single communication from Experian. I have no idea what the status of my request is. I don't understand why the PIN doesn't work, why there is not a chance of getting a person on line but mostly how they get away with it. I have not asked to be on Experian and yet they seem to be in charge of my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, this credit reporting agency has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$22.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXX XXXX XXXX SEARS/CBNA # XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXXXX/XX/XXXX XXXX. 
XX/XX/XXXXXXXX # XXXX ... .XX/XX/XXXXXXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX ... SEARS/CBNA # XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of 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 responsible 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 CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
XX/XX/XXXX {$11000.00} Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXX {$35000.00} showing {$25000.00} payoff but reflecting negatively on account. 

XXXX XXXXXX/XX/XXXX Account charged off. {$20.00}, XXXX written off. {$20.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXX Account charged off. {$47.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX Account charged off. {$39.00}, XXXX written off. Updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} Ohio XXXX Of XXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters and jpmcb card company and bring to their attention that they were reporting this account in accurately and demanded them to remove this account from my credit report. Ive sent my repot showing it was not being reported accurately and it should be changed or deleted. Under the fair reporting act my rights were violated and they refuse to do anything. If you can see how they are being reported to the three credit agencies the late payments, the status and first reporting dates are all different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access an attorney 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. I have been attempting to repair this since XX/XX/2020 - it is XXXX! 

Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes with Equifax, for inaccurate information on my consumer credit file, and indicated in my dispute, exactly which laws of the FCRA had been violated. The context in each of the dispute results all contain the same verbiage and none of the result reports indicate which disputed account the report is in reference to. This intentional lack of clarity raises the question if whether an actual investigation was conducted or if these results were automatically generated. The agency also did not produce the data that was used to verify the results of the investigations, which is also a violation of the FCRA. I called the agency to get clarification but the phone system is so convoluted it makes it nearly impossible to get to a live rep. When I did reach a rep, they were unable to locate the confirmation number of my disputes, which are listed on their website. So I currently have no resolution to the issues concerning my consumer file. 

*Information is being reported differently across all three agencies *Accounts reporting open, that should be closed *Balances, Activity Dates, & Payment Dates are all being reported differently and are also being updated each month to re-age the account
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus more than 45 days ago via the mail, so I know they received it.They are violating my FCRA rights by not investigating my dispute.
Product: Checking or savings account

I noticed when direct deposit of payroll or deposit online PNC takes process it! Money sitting XXXX  days or change payment went in charge bounce fees! Over XXXX about XXXX  times money sitting waiting updates! They doing XXXX & XXXX  XXXX play way money charge bounced fees! I want all XXXX fees bank back! Bank getting customer by way pay changed on money our charging bounced fees bank! Money sitting! Took pictures of PNC really cheating consumer! Reason updating immediately funds received! Changing money or paying out then bounced check fees!
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of them, and the company acted without my approval.
Product: Credit reporting, credit repair services, 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive had an open dispute now with PayPal credit for probably over a year I found dispute with you guys asking for documentation proving that it was me that made the charge because I filed a fraudulent charge so just depends few weeks Im getting a lot of harassment email emails and text messages And letters in the mail regarding this charge that they want me to pay for. I asked them five times to close. My account told him that I wasnt paying for something I didnt charge unless they can prove otherwise Im not paying for it so now theyre retaliating against me And how theyre doing it by violating my rights two days ago they went and notified the credit bureaus that my account is delinquent its more than 90 days late and my credit score drop XXXX points. Oh wow its still under dispute. Within the past two weeks. I had two phone calls with them, and both agents told me to disregard the messages as it still in dispute, after that two days went by they notify the credit bureau again stating that my account was closed and they backdated it to XX/XX/ XXXX  that was after they reported my account delinquent two days prior. Theyre making inaccurate false reports on my credit. I disputed it with two of the credit bureaus XXXX XXXX and XXXX because I know they both received information from PayPal credit. I asked him numerous times for documents they refused to give it to me. They sent me like four months of my statements, so now I believe theyre doing this intentionally and because of that my credit score took a dramatic drop of XXXX points and theyre violating the law because its my rights
Product: Payday loan, title loan, or personal loan

I was under personal circumstances and were convince to accept. Then no help to pay the debt.
Product: Credit card or prepaid card

I applied for a Credit Card with XXXX via Citibank NA. I received that card and have no problems with that account. 

About 3 weeks later, I received an unsolicited Credit Card from XXXX XXXX XXXX. This card is also issued by Citibank NA! 

It appears they are either opening a new account without my permission ; OR, have been hacked and someone is opening a new credit account in my name.
Product: Checking or savings account

XX/XX/2023 I was contacted by Renasant Bank 's fraud department regarding an attempt on my account via an ATM machine at a XXXX XXXX XXXXXXXX in XXXX, GA. I denied this attempt, as I reside in XXXX, TN. I was working in XXXX and had no way of making that attempt. My card was supposedly frozen and I was to pick up a new card ASAP, but with this all having happened later in the day I had to get this the next day. XX/XX/2023 I was notified once again that an attempt was being made on my account and denied it as well. Somehow the dispute department claims I verified this attempt that amounted up to {$460.00} between multiple withdrawals and charges. I later find while appealing this that it was my OLD card which was used that was supposed to had been flagged and frozen. All of these attempts also were made at the same ATM at the same XXXX XXXX XXXXXXXX yet somehow this all has been tossed to the side evidently. I was not and have never been to XXXX, GA and this loss of money has tremendously made things difficult while dealing with job loss and other difficulties. The bank continues to put this off and refuses to give updates after I have filed a police report and everything else. The police have also been just as worthless in this whole matter.
Product: Credit reporting, credit repair services, 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 : XXXX, XXXX XXXX : XXXX, XXXX XXXX & XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been trying to contact American Honda finance about a late payment I been on my credit report. For XXXX month XXXX but however I have never been late on my XXXXXXXX XXXX XXXX and I in fact paid off the car last year XX/XX/XXXX. Can you please update this error. Thank you
Product: Checking or savings account

On or around XX/XX/2023 I was made aware of XXXX occurring related to identity theft. I identified numerous checking and savings accounts created illegally in my name at BMO Harris Bank. After initial calls I visited the downtown branch in person to resolve the matter. The banker who assisted me was helpful and provided me with reassurances that the accounts would be shut down and that a notice would be applied, so that in the event another instance would occur, that bank employees would be aware of the XXXX occurring and would be able to take corrective measures and notify me. 

In the ongoing months i received multiple statements, month after month, for these accounts that were still left active. After multiple other calls with multiple parties and requests to have these accounts shut down they were still active and as of today, I am still receiving statements for savings accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are still active. There is no reason for these accounts to be open, active, or in existence and I am requesting once again that they be closed immediately as they are the product of XXXX fraudulent activity, of which I am the victim. Additionally, on multiple occasions I was reassured by customer service representatives that the accounts were taken care of and in one case I was told that the statements received were a " result of typical mailing delays which occur with physical mail. '' ( paraphrasing is my own ). I have also previously notified your organization via XXXX XXXX email address. 

I shared the police report, federal identity theft report, and additional information related to the XXXX with BMO and no action has been taken. I was forced to send an email to the board of directors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Credit inquiry reflected on my TransUnion credit report that is fraudulent. The inquiry is from XXXX XXXX dated XX/XX/2017. I am attaching a letter from XXXX XXXX that confirms this fact. I have trying to get this fixed for months but the bureaucracy seems to get in the way.