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

This was a secured MC credit card from Citi, located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. I closed this card in XXXX of XXXX. There was an outstanding balance on the card at the time it was closed ; at that time, I was given to understand that I would continue to make the monthly payments until the balance was XXXX, at which time my deposit of {$200.00} that was used to open the account would be refunded. I called to check on the progress the first time on XXXX, at which time I was told by customer service that the check was processing, and I should expect it at then end of XX/XX/XXXX. I called again on XXXX, and was told the same thing ... the payment had been issued, and I could expect the refund of my deposit at the end of XXXX of XXXX. Since I still had not gotten it as of today, XX/XX/XXXX, I called the company again today at XXXX EST. This time, I was told a completely different story : that since I had a balance per the XX/XX/XXXX statement of {$220.00}, that my security deposit was applied to that amount, so when I went to pay my bill on the XXXX of XX/XX/XXXX, all I owed was {$27.00}. I was surprised, because I knew the outstanding balance was more, but I paid up. So, I was very frustrated to find out TODAY that the above is what happened without my input ; in other words, I was not given the opportunity to ACTUALLY pay the balance off so that I could get my deposit amount returned to me. I let the customer service agent, and the supervisor of accounts payable named XXXX, know of my ABSOLUTE frustration with what I called their behind-the-back, snake-in-the-grass, and underhanded way that this situation was handled. I would have appreciated being reminded of this clause in the terms at the time that it happened, and thereby expecting NOTHING to come back to me, instead of being led on by false promises of a refund that they knew they were NOT GOING TO ISSUE AT ALL thanks to the way they applied my refund to the outstanding balance that I KNEW I had from the beginning instead of giving me the option of ACTUALLY PAYING IT OFF so I could get my money back. I was advised to call back on XX/XX/XXXX to accept a {$25.00} credit, which XXXX emphasized that he was not supposed to do, as if that would make up for the fact that I'd been cheated out of my deposit amount of {$200.00} thanks to their underhanded way of doing business. I will NOT be calling them back on XX/XX/XXXX or any other time to get their chump change, but I decided that I would make known their less than honorable business dealings that they practice so they can get out of refunding people their money. So, here it is. I await the results of your investigation. Thanks
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX CARD - XXXX Educators XXXX - XXXX XXXX XXXX - XXXX CBNA - XXXX CB/Boston - XXXX XXXX XXXX - XXXX XXXX LT - XXXX XXXX Cred - XXXX Capital XXXX Inquiry - XX/XX/year> JPCMB Card Inquiry - XX/XX/year> XXXX Inquiry - XX/XX/year> XXXX FCU Inquiry - XX/XX/year> XXXX Inquiry - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> Please XXXX this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of identity Trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address are mixed with someone else 's. The other person 's student loan and 2 credit card accounts also show up on my Equifax credit report. 

XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$42000.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$28000.00} Type of Account : Installment Past Due : {$0.00} Date Opened :XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Too new to rate or opened but not used Date Reported : XX/XX/XXXX Months Reviewed : 55 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Student loan Monthly payments XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$400.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$0.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported : XX/XX/XXXX Months Reviewed : 40 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$1000.00} Account Number : XXX ... XXXX Payment Amount : {$10.00} Association to Account : Individual Balance : {$670.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported :XX/XX/XXXX Months Reviewed : 46 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit
Product: Credit reporting or other personal consumer reports

my credit score dropped XXXX points from another XXXX XXXX charge that i was not even aware of. i only attended the school for 3 months and i talked to the financial aid about my departure she only mentioned to me i owed just XXXX $ now the credit bureaus are stating i owe XXXX XXXX {$2800.00} on XX/XX/year>. I called XXXX XXXX to ask about this, they claim its a another fee just now being reported to my credit after 4 years.
Product: Debt collection

On XX/XX/2020 and many days before, it is almost every day they call when i am sleeping, i do not owe any dept to anyone.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 XXXXXX/XX/XXXX
Product: Credit card

I signed up for the card noting that, like all cards, it can be added to phone ( XXXX XXXX XXXX ) wallets. When I received it, this failed to work, I worked extensively with their agents to get it to work to no avail. They admit this is a widespread problem and theres nothing they can do. I advised this is a dealbreaker and that Id want to undo the relationship and Id need the credit bureau inquiry dropped as they have not delivered the key feature they promise and are unwilling/unable to remedy that. I have told them that if they can fix the problem fine, but they have not. I feel I was brought in under false pretenses and should not take a credit hit for cancelling this card.when I told a supervisor that it was unacceptable that they said it wouldnt work and there was nothing they could do, she laughed at me!
Product: Payday loan, title loan, or personal loan

I have previously submitted a complaint against Wells Fargo. # XXXX dated XX/XX/XXXX. The company researched the complaint and then closed it before it was resolved. They still owe me {$160.00} for an unjustified finance charge dated XX/XX/XXXX. The representative who researched my case lied when she said she could not find documentation relating to this charge. She sent me a copy of the research and the document containing the {$160.00} finance charge was included. This case needs to be reopened and Wells Fargo needs to reimburse me {$160.00} which they fraudulently took from me. They had on NO occasion informed me that there was ANY finance charge. The account had never had a late payment or non-payment. It was paid IN FULL with a clearly printed XXXX balance. Yet, the bank officer forced me to make the payment or they would keep the account open against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Transunion Credit bureau recorded a hard inquiry on my credit. Neither of the two other credit recording agencies did this. It was through the company XXXX XXXX. I contacted XXXX XXXX and they assured me that they did not do a hard inquiry. I attempted to resolve the situation through XXXX XXXX & then by filing the fraud paperwork through the FTC. Transunion responded saying the Hard Inquiry was not illegitimate. I did NOT give any company permission to do a hard inquiry on my credit. I did call XXXX XXXX   about new service a potential property purchase, but only asked questions and never opened an account. A month later my wife had the same experience with Transunion when she applied for a XXXX XXXX  credit card. I was there and she was very specific not to do a hard inquiry. The associate assured her there was not, & a few days later a hard inquiry appeared on her transunion credit report also, but none of the other credit reporting agencies reports.
Product: Consumer Loan

I was sold a lemon. Battery keeps getting killed off. XXXX will not fix the issue claiming I do not drive the car enough. There is a more serious problem going on. This in addition to fuel system pressure issues caused by faulty design of gas flapper. Even carmax corporate is giving me XXXX and refuses to deal with the situation. Not to mention the car to loan value is XXXX. USED cars are being sold for more than they are worth, and multiple tv ads all seem to claim that this process is normal and that this is a average car price. BlueBook clearly indicates that this is fraud.Consumers are not made aware of blue book prices on these vehicles when making purchase.Additionally I am being consequented for being on XXXX and getting paid around the XXXX, not when they want to get paid.This is also common practice with XXXX and XXXX. Lender complains when they get paid after I do, and not before when funds are simply not available.
Product: Debt collection

I found this company on my credit report LVNV Funding LLC ; I disputed this account XXXX times and was last reported on XX/XX/year>, on my Credit Report as an open account. the company says I owe them {$800.00} and this is not true and they have destroyed my credit. 

I do not owe them {$800.00} they are some type of collection agency, however, It is not clear to me how this account can be an actively open account when I have disputed it! and they can not provide me with the original signed documentation and/or statements.
Product: Credit reporting or other personal consumer reports

Last year XX/XX/ occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me XXXX XXXX XXXX  XXXX that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX video and said I can call the XXXX  and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency XXXX and informed them of the issue they placed a Fraud Alert on my credit report on XXXX I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was offered XXXX XXXX XXXX XXXX trial for a new home internet device for one month. After using it for a few days, I decided not to continue with it and wanted to return it to XXXX. I called XXXX to request a return label, but after waiting for a week and not receiving it, I requested it again. XXXX still did not send me the return label to mail the device back to them. 

At the beginning of XXXX, I received a new bill from XXXX for the internet device. I contacted XXXX and explained that I hadnt been able to return the device because they hadnt sent me the return label. I asked them to send it again, and I promised to return the device as soon as possible. Despite contacting them multiple times, they didnt send the label. Instead, they referred me to a corporate store to handle the return. 

I went to the corporate store, and they printed out a return label for me. I mailed the device back to XXXX via XXXX. Later, I contacted XXXX, and they confirmed that they had received the device in their warehouse. I asked them to remove the balance from my account and fix my credit report. XXXX assured me they would resolve the issue. 

However, after a few months, I received a notification from a " Sequium '' collection company regarding the balance. I contacted XXXX again, and they confirmed that a due balance had been reported to collections. When I asked them to remove the balance, they told me they couldnt do it because my account was no longer active, and I would need to dispute the matter with the collection company. 

I emailed the collection company to dispute the charge and provided all the evidence I had, but nothing was resolved in the following months. I need this balance removed because I dont owe any money or devices to XXXX XXXX and I need my credit report corrected. Instead of move forward with my dispute case ( refereal number is XXXX ) they offered me the settlement. I said that I don't need the settlement because I don't owe anything to XXXX. They just dropped the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to Equifax, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that Equifax and XXXX  has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not clos2e this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax to remove this false fraud information from my credit report they have yet to do so. 

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 XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on them, and the company acted without my authorization.
Product: Credit card or prepaid card

Citibank Visa is charging a 29.99 % interest rate. Which regulator is allowing this? Outrageous interest and is approaching XXXX. This needs to stop. The bank is also charging " trailing interest '' which allows them to charge additional interest after a consumer has paid the balance. Again, either the banking regulators are allowing this, or perhaps just asleep at the switch. 

Since this card is directly linked to costco, we need to understand if this high interest is benefitting costco, by making it harder for people to pay off their balance for buying food.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for violating several provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in credit reports. 

Experian has repeatedly listed incorrect names and addresses on my credit report. I have disputed these inaccuracies multiple times, as outlined under 15 U.S. Code 1681i ( a ), which requires a consumer reporting agency to conduct a timely reinvestigation of disputed information. Despite these requests, Experian has failed to take any corrective action, continuing to report false information. This deliberate disregard for their obligations under the FCRA places my credit score and financial standing at risk. 

I request the permanent deletion of these inaccuracies from my credit report as required under the FCRA when information is found to be inaccurate or unverifiable after a reinvestigation. Furthermore, I expect compliance with 15 U.S. Code 1681c, which mandates the timely removal of outdated or incorrect information. If Experian continues to violate these provisions, I believe they should face penalties, including possible fines, for ongoing noncompliance under 15 U.S. Code 1681n, which holds consumer reporting agencies civilly liable for willful violations of the FCRA. 

Recent case law, such as XXXX v. XXXX XXXX, demonstrates that failure to comply with FCRA regulations can lead to substantial legal and financial consequences for credit reporting agencies. In that case, XXXX was ordered to pay significant damages for similar misconduct involving inaccurate reporting and the failure to correct errors after being notified. 

I urge the CFPB to take immediate action to ensure that Experian complies with its legal obligations under the FCRA, including the permanent deletion of these inaccuracies from my report and enforcement of penalties if Experian continues to violate consumer rights. 

Thank you for your attention to this matter, and please feel free to contact me if you need further details or documentation.
Product: Credit card or prepaid card

I gave information to XXXX XXXX XXXX  to see if I was prequalified for a credit card to take advantage of a deal they had going on. They told me that I was approved for a credit card for {$400.00} and I decided against opening it and told them that I was not interested in opening a credit card through them. A few days later I get a notification on my credit report that a new account was opened for XXXX with a {$400.00} credit line. I in no way authorized this account to be opened and when told I was pre approved I said no. I am now stuck with closing this account and having it reflect on my credit report as something I authorized, when I never did. I was told I was getting a pre approval and I went against opening the account. This credit card was opened fraudulently and I did not authorize it. I simply gave my information to see my options, and since it did not work for my needs I told the clerk NO. I have no information about this card other than it was opened at XXXX and is through Synchrony bank. I have no idea of the interest rate or where the card would even be sent to.