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

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I called my current loan servicer, which was XXXX at the time in XXXX after waiting on the telephone for more than 2 hours ( my loan servicer was formerly XXXX XXXX ; my loans transferred to XXXX on XX/XX/XXXXXXXX  ). I finally reached someone and told them I wanted to request a refund of my payments that were paid between XX/XX/XXXXXXXX  to XX/XX/XXXX. I was told my loans were in the process of being transferred to Mohela, so I had to contact them. I called Mohela, who told me to contact XXXX again because my loans had not been transferred to them yet. I called XXXX again for the second time after waiting more than 3 hours, and when I finally got through to someone, they told me they had to transfer my call to someone else if I wanted to request a refund. I told them I could not hold on the line any longer because I was at work and had to go see patients, so they gave me an e-mail address to request the refund. I sent XXXX an e-mail on XX/XX/XXXX requesting the refund, and I still have not received a response from them. Once Mohela became my loan servicer, I decided to call them to request the refund, but they had informed me that I had missed the deadline and was no longer eligible for a refund. I have submitted a complaint regarding my above experience through the studentaid.gov website on XX/XX/XXXX, and it is still an open case last I contacted them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes These failures align with my experience where Experian has neither corrected nor removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX the company Lexis Nexis risk solution advised a potential creditor that I have an eviction and lien on my record. I have no record of that on any of my other credit reports. I have never been evicted from any of my past rental homes. Please help me! I am afraid to apply for anything because if this. I am trying yo repair my credit since s job loss in XXXX. Thankyou for your attention in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX ; I've called and emailed Contemporary Information Corp. ( CIC ) in efforts of removing ( 2 ) erroneously reported evictions ( without success ) to XXXX from leasing company XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Both dates in question were judgments in which I paid my rent late ; however, supported by documentation to include : a letter dated XXXX XXXX, XXXX from the XXXX leasing manager of the apartment community where I was a current resident in good standing and further stating that I'd never been evicted with an attached general ledger from initial date of occupancy, XX/XX/XXXX through move out date of XX/XX/XXXX, address of my apartment rental, and proof of payment of both reported dates. Thus, further proving that I remained a resident well beyond the erroneously reported dates. Moreover, a judgment in Maryland with an accepted/cleared payment after a court filing w/out the landlord requesting the court issue a " warrant of restitution '' is not considered an eviction yet CIC refuses to accept my documentation and remove the false reports of eviction. As a result of their erroneous reporting ; I am suffering tremendously and have been denied multiple rental properties and am currently living in a hotel.
Product: Vehicle loan or lease

Traded vehicle in and it was paid off but still is showing I owe on the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter telling them about my identity fraud and that it was account open in my name and in my child name. I sent them a police report all information. I never heard anything back for them. But the information is still showing up. so I sent them a certified letter about my information and about my child information which is a minor. they sent me a page letter saying the verified that they was my account and my XXXX XXXX XXXX account. that let me know they didn't even read my letter. so I sent them a 3rd letter telling the to give me the information how they verified that when they stop taking my calls, hanging up on when i do get somebody on the phone the verified it me, the hang up. i just want my daughter credit fix she XXXX and these account moved off my credit. the are very ruled
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFPB complaint ( # XXXX ) detailing how XXXX, XXXX incorrectly reported a missed payment for XX/XX/XXXX to my credit report. XXXX admitted the error, apologized, and sent a letter to the credit bureaus advising them of the error. 

However, in the reporting cycles since then, they once again, started reporting the incorrect missed payment for XX/XX/XXXX. I disputed the missed payment with XXXX, who contacted me to let me know that they would not be correcting the information on the report. 

I have ONCE AGAIN attached my screenshots and correspondence from XXXX noting the incorrectly reported missed payment and their apologies. Please please please let this be the last time of me dealing with this and fix my credit report!
Product: Credit card

I recently signed up for a platinum AmEx sky miles card. When I signed up, I recall the promotional offer being XXXX miles if I spent {$3000.00} in the first 6 months. I reached out to AmEx customer service to confirm this and was informed an investigation would be opened. After over two weeks of not hearing anything, I reached back out and was told the investigation had concluded and the offer was XXXX miles but the AmEx customer service rep refused to provide documentation reflecting that the promotional offer was XXXX miles. I recall it being XXXX miles. Im not sure why I wasnt informed the investigation concluded. Im not sure why AmEx cant provide documentation of the promotion offer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.
Product: Checking or savings account

ON XX/XX/2023 DURING BUSINESS HOURS I TRANSFERED, {$2000.00} ( XXXX ) FROM MY XXXX XXXX ACCOUNT TO MY ARIZONA NATIONAL BANK  CHECKING ACCOUNT. 

AS OF XX/XX/2023 AT XXXX XXXXMST THE FUNDS HAVE STILL NOT SHOWN UP IN MY ARIZONA NATIONAL CHECKING ACCOUNT.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX  AND XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I attempted to retrieve my credit bureaus online and was refused and prompted to request by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX  and Transunion and requested they immediatly remove fraudulent, incorrect debt collection from my report that is in no way related to me, or my household. The debt is for a XXXX hospital I have never visited, and have no knowledge of. The debt is posted by XXXX from XXXX, California. I asked them to revove the informaiton immediately and they remove, then repost repeatedly. Please help me.
Product: Payday loan, title loan, or personal loan

I received an advertisement from Advance Financial 24/7 in the mail, and contacted them via phone and then went to their website and they guided me through filling out an application for a line of credit in the amount of {$1500.00} on XX/XX/XXXX. I provided my bank account information to them for deposit purposes. I did not know that they would use this account information in the future to withdraw payments for the loan. When the company withdrew the first payment from my account, I contacted them and asked them not to do it again, and they assured me that all of my account information would be removed, and I would be able to send checks in the mail. However, the company has continued to draft payments from my account every month. 

I never had copies of the documents I signed or any knowledge of the interest rate the company was charging me. On XX/XX/XXXX, I requested copies of the documents I had signed and a statement of the balance because during a phone call, a representative of the company informed me that I was being charged 360 % interest and I was shocked. I had no idea I had been paying that much interest since XX/XX/XXXX. The company refused to send me the original documents I signed to request the line of credit. They did send me a current statement of my account, which reflected the 360 % interest. 

I asked Advance Financial 24/7 for a fixed payment amount, and at that time the balance was approximately {$2500.00}. I told them I would pay that amount if they would not continue to add interest. They would not agree to this arrangement. 

I attempted to settle the amount I owed by paying the company {$110.00} per month until the debt was paid, and the company agreed over the phone, but the company drafted a payment of over {$500.00} instead. I disputed the debit with my bank account, and the money was put back. 

I know that this predatory interest rate will likely cause this personal loan debt to balloon out of control as it already has, and will likely be very difficult to ever get rid of. I would never have done business with this company if I had known that they would not provide information to me about my loan or a fixed interest that is reasonable rather than extortionary at 360 %.
Product: Credit reporting or other personal consumer reports

Badly published accounts please delete this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to delete all inaccurate information. this has been a issue that is hurting my file. please review and delete data submitted asap.
Product: Payday loan, title loan, or personal loan

When our draw expired for our line of credit at Bank of America, I was told it would become a fixed rate loan during the pay back period. It is a variable rate instead. I did not pay attention to this until the payment started going up recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a letter in the mail about the data breach for Capital one. I have a Case no. and I have just still trying to get things straight after the XXXX   breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account XXXX : XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information which has led to a massive data breach, that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I have received no email, letter, or phone call and instead had to discover it via social media. 
.
Product: Credit card or prepaid card

I opened an account with XXXX XXXX XXXX which is funded thru Bank of America. I never received the statement until XXXX XXXX. I called the XXXX  at XXXX  after returning from vacation. The young lady who handled the matter was not very polite. I explained that my statement was placed in XXXX XXXX  instead of XXXX & I have proof which she said was not needed. I informed her I didnt receive the card either. She said she was going to close the card & replace it with account ending in XXXX I requested to have the late fee removed. She said she would put in a request since its not XXXX XXXX fault but the Post Office. I also filed a complaint with the Post Office. I received the card on XX/XX/XXXX I activated it yesterday,XX/XX/XXXX. I went to use it onXX/XX/XXXX& it was declined causing me trama. I called & the 1st Customerservice rep hang up on me after I requested to speak with a supervisor. Called back & spoke with a female who claimed to be XXXX then a male who claimed to be XXXX   supervisor. Both confirmed account was closed. XXXX  said that the card ending in XXXX was indeed mailed on XX/XX/XXXX but canceled onXX/XX/XXXX but refused to say why. I asked him if the card was closed how could I activated it and he had no answer.
Product: Checking or savings account

On XXXX XXXX XXXX a transaction in the amount of {$2100.00} from XXXX XXXX XXXX XXXX  was taken out of my checking account with Bank of America. I filed a dispute with Bank of America and notified them that I did not authorize this transaction, they had informed they would give me a credit in 24-48 hours of the date of the claim and they would investigate the claim. My second phone call was XXXX hours after the claim was made to get an update on the credit and I was told that they would expedite my credit. As days went by, I continued to make phone calls for updates with no answers. After approximately a week with no credit the results came back of this investigation concluded to a denial and that my case was closed. After multiple phone calls and attempts to reopen the claim and appeal customer service representatives continued to insist that the claim could not be reopened or appealed. Now I would like to file this complaint for more further investigations and for Bank of America to take responsibility on this fraudulent and not authorized transaction.
Product: Student loan

I received a letter about a delinquent loan. I contacted the company and apparently there were loans taken out that were fraudently co signed in my name.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX Amount XXXX Was paid in full and brought insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a dispute letter to Experian on XX/XX/2020 Asking them to send me a physical copy of the Documentation ( Consumer Contract ) that they have on file, That was used to verify the accuracy of my accounts. That is stated by FCRA section 609 ( 15 u.s.c 1681g ) they refused. All I ask Experian to do is follow the federal guidelines of FCRA and provide me with a copy of the documentation they used to verify my accounts and they failed to do so. On XX/XX/2020 they updated the accounts as verified without sending me any proof of any documentation.
Product: Checking or savings account

I am writing to file complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an XXXX XXXX and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a SYNCB/PPL account on my XXXX XXXX credit report a few months ago. I have never had any dealings with this bank nor have I ever applied for credit with Paypal ( PPL ). The report lists what I believe is an amount of credit extended and an amount due but it does not explain and I have never received any notification of this activity. It does however lower my credit rating. I called XXXX approximately XXXX months ago and my complaint was assigned a case # XXXX. I was placed on a conference call with XXXX XXXX of XXXX and a male bank representive of SYNCB and at the conclusion of the call was told that by the bank rep that it is a fraudulent account and that within 60 days it would be removed. Subsequently the balance disappeared but the account remained on the XXXX online " XXXX XXXX '' report. In XXXX I noticed a new unpaid balance of approximately {$1000.00} on the report which again lowered my credit rating. I called XXXX again and was referred to an XXXX representative, XXXX XXXX , with a case # XXXX. On XXXX XXXX she gave me a dizzyingly long list of reports I needed to file and contacts I needed to make to file a complaint. Today I tried to follow up with XXXX online and was given another report # XXXX for obtaining information. However I was informed that getting information would require that I have a long list of identification documents that I do not have, : government-issued ID card, such as drivers license, copy of utility bill, etc. I am a retiree and for the past XXXX years I have been a full-time traveler in countries not in the U.S. I have a U.S. passport, a Social Security card, and a mail-forwarding address in XXXX XXXX , Nevada. I do not own property and have no permanent residential address anywhere. 
Your help is requested in removing this fraudulent account from my credit report. 
I can be reached at XXXX, or by phone at my current temporary location, XXXX XXXX XXXX ( through XX/XX/23 ). Thank you.