23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my consumer rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine that accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' The XXXX XXXX account is not mine and I have submitted multiple disputes and Experian is illegally reporting this account on my credit report. 

In compliance with the method of investigation request, please provide the following : A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX the exact amount claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I received communication from a debt management company by the name of Client Services , Inc. in reference to a credit card balance owed to XXXX XXXX XXXX. This notification was to inform me of a settlement offered by XXXX to settle the balance on a credit card I had with them. I responded to Client Services to accept the settlement offer and arrange a payment which I made in full in XXXX of XXXX. I have since been unsuccessful in getting XXXX to report that the balance is settled to the credit bureas. I have disputed this debt several times, attaching a letter I received from XXXX confirming that the account is settled and the balance will be cleared, all of these disputes were denied by all three bureaus. XXXX refuses to update my report and I am requesting that the debt either be removed from my credit report or my money returned to me if they changed their mind about the settlement and we can discuss another option to handle the debt.
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

Byrider Finance, LLC is trying to sue me for a debt the bought in a state i don't live in and they are trying to garnish my wages for false information letter
Product: Credit card or prepaid card

My US Airways credit card was switched to a XXXX XXXX credit card which I received automatically in the mail ( I did not sigh up for it, it was generated once the two airlines merged ). 

In one year I was charges {$2000.00} in interest fees for {$250.00} in actual purchases. 

I am being charged 27.24 % interest on the card, almost 30 % which is much higher than I was charged by US Airways.  Therefore the card has generated thousands of dollars in interest. 

The interest is related to the predatory insurance amount. It does not look like they honored the interest rate I had previously. 

Also the USPS mail carrier failed to deliver mail in XX/XX/2017 due to a dispute between mail carrier and the US Post Office over building access ; the USPS carrier did not have the key to access the apartment building mail and he sent back mail mark undeliverable, which caused my card statement to be sent back and I missed sending payment. I contacted all my card companies to notify them of the issue with mail delivery and I notified the USPS Postmaster to file a complaint about being charged higher interest due to the US mail delivery mistake, and I was told by my credit card company that my credit would not be affected and they'd send paper statements out to replace the returned statements. 

Even with that the 28 % interest is extremely exorbitant and predatory.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I entered into an installment agreement with American First Finance when I had work done on my vehicle at XXXX XXXX XXXX XXXX XXXX. The amount to be financed was {$2300.00}. The application, contracts, disclosures, etc. was filled out and signed online. I was approved and my payment amount was XXXX every 2 weeks. The interest rate was 90 days interest free and if the balance was not paid in the 90 day interest free period, the entire loan amount was subject to a 36 % interest rate. I set up the payment for autopay through my bank and have made 19 on time payments totaling {$2500.00}. I logged into my account on XX/XX/XXXX to check my balance and it was still {$2000.00}. I called and spoke with a gentleman regarding the balance and he informed me that because the balance wasn't paid in full before the 90 day interest free period I am being charged 137 % interest and I still have over 14 months or 28 more payments until the loan would be paid off. By an approximate calculation the total amount I am expected to pay is over {$6000.00} for a {$2300.00} loan at 36 % interest. It doesn't add up or make sense. I believe that this a predatory lending and unethical business practice. I am continuing to make on time payments as agreed until the situation is resolved.
Product: Checking or savings account

I opened a checking and saving account with Citi bank on XX/XX/XXXX. I was trying to fund it with {$15000.00} to be eligible for a {$400.00} bonus as part of a promotion that was running at that time. However, I could not create an online account because I was not mailed a pin number that was required. I called Citi twice regarding this but never received my pin, and during the last call the representative suggested going to the branch to fund my account. Since I am working I could only go to the bank on the following weekend ( more than 30 days past opening ) and the employee at the bank funded my account and told me I would still be eligible for the bonus and he would put in a special note since it was not my fault I could not fund it sooner.

I waited 90 days but never received the bonus. I contacted Citi via a help line and when they were unable to help, I went to my local branch where I was promised I was still eligible for a bonus. They opened a case ( XXXX ) for me and on XX/XX/XXXX I got a letter from Citi stating " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' 90 days from the date of qualifying transactions should mean 90 days from when I funded the account which was XX/XX/XXXX. But when I called Citi again, they told me it would take another 90 days!

So I waited another 90 days, for a total of over 6 months and have still not received my bonus. I have called citi again about not upholding what they stated in the letter, but rather than fixing the issue they opened another case ( # XXXX ) on XX/XX/XXXX and said it will be resolved and funded within 7-10 business days. So on XX/XX/XXXX I reached out to Citi via chat and they said they will contact their promotions department and I will hear back in 3 days.

Citi has continually failed to resolve this issue and keeps opening cases and routing to various departments with no end in sight. It has been over 180 days from when I met the qualifications for the bonus. I have an official letter from Citi stating that I would get the bonus within 90 days, so I feel this is clearly a breach of contract. Deal with Citi representatives on phone calls, going to the physical branches multiple times, keeping track of various messages/letters/cases has been extremely time consuming and a very frustrating experience. It is also financially difficult having to deal with this and maintain {$15000.00} with Citi for such a long time without access when I was expecting this only to last for 90 days. In short, Citi has failed to follow through what it has promised in their official communications and I feel lied and cheated to, with no avenue for resolution directly with Citi. I am therefore reaching out to CFPB to help resolve this and hopefully prevent other consumers from having to deal with these fraudulent and misleading tactics.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian, XXXX and XXXX must authenticate these items. ( A ). Treating these reporting items as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}, XXXX XXXX Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXXXXXX Acct : # XXXX Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate information.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Vehicle loan or lease

I fell behind on payments so then they made me have to do wire transfers from my bank and I was told I was caught up each time I was having to make a wire. But then they still charge me several hundreds of late fees and penalties and admitted their mistake but still will not mail me hard copies of where my payments are applied or any thing I have paid a absurd amount of money to get caught up but they still stated Im behind alll the way back to XXXX but I should be ahead. They also stated they applied several payments of large amounts to my principal and I asked why would you do that when Im try to catch up and they did not have answers Ive called several time hung up on and even one employee told me that if I would pay my bills I wouldnt have to worry about being charged late fees. Here are the payments made by wire and I just had them draft over XXXX last month and was told I would be caught up again but now they are calling harassing my wife and I at work and calling on weekends after XXXX so Im tired of them. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX The Bank is US Bank and they are applying payments elsewhere and keeping me late for fees and threats and repossession Not to mention reporting to my credit that Im always late for two years or more and i never missed a payment auto draft from XXXX XXXX that carried my note on another vehicle that is now paid off in full.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX 2017, I signed a contract agreeing to buy a water treatment system for my home. The system 's cost was {$6400.00}. Paying for the system was to be financed through a 12 months same as cash promotion. The finance company is Aqua Finance XXXX XXXX in XXXX, WI. On XX/XX/XXXX, I had n't received any information from Aqua Finance and I was curious when my first payment would be due. I called the finance company, spoke to a woman named XXXX, and was told that my first payment of {$530.00} was due XX/XX/XXXX. Today I discovered, after intense inspection of the contract, that the contract states that the 12 months begins on the day the contract was signed. This makes the term 10 months, not 12 months. If I continued making payments as instructed by the person I spoke to I would have been libel for over {$1100.00} in interest payments come the termination of the contract. 
Both Aqua Finance and XXXX is guilty of deceitful and unethical practices in misleading people in believing they have more time to pay then they actually do. 
It is for companies like this why Americans need agencies like the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose
Product: Credit card

Since XX/XX/year>, when I opened my account and got the XXXX XXXX card from Synchrony Bank I have had many problems making the payments. I made XXXX of the XXXX payments online using my correct banking information that Synchrony had on file in my online account information. These XXXX payments did not give me a confirmation number or code or email me confirmation of the XXXX different payments. I got a letter in the mail that the payments did not go through and that now my payments were late ( a mark against my credit ). The other XXXX times I made a payment over the phone, I also did not get a conformation email but the payments did go through. Synchrony Bank closed my account before even attempting to clean up the mess their banking/payments process works or even attempt to try to help me in any way. : ( Also I cancelled my card after it first came in the mail and asked that another not be sent but a new one was sent out to my home without my request. This could have gotten real ugly but thank XXXX I was the one who got the mail that day.
Product: Credit card or prepaid card

At XXXX XXXX, a text notification was received from Discover that a transaction on my Discover card had been made for {$470.00} on XX/XX/2021. Along with a text I received an email with a full itinerary detailing that flight # XXXX departing from XXXX XXXX in XXXX XXXX XXXX XXXX to XXXX  airport in XXXX. The names provided for the passenger tickets were XXXX XXXX and XXXX XXXX with ticket number XXXX and XXXX. The confirmation number on the ticket is # XXXX.
Product: Debt collection

I never signed any agreements with JJ Marshall & Associates. They are reporting inaccurate information, which constitutes fraud. They have listed the account as open, even though it should not appear on my credit report. Additionally, they have labeled themselves as the original creditor, which is not correct. I will report them to the IRS and to all three credit bureaus.
Product: Credit card

On XX/XX/XXXX AMERICAN EXPRESS denied me an an extension of my own credit after accepting the terms and condition of the application/agreement ( No. XXXX ) in Good Faith based on factors that are illegal, unethical and misleading. I received a response on XX/XX/XXXX, from XXXX XXXX, stating that my XXXX score was the determining factor in regards to the denial. The decision to decline evidences a violation of Regulation B of The Equal Credit Opportunity Act and Securities Fraud. To increase funding AMERICAN EXPRESS transferred my application to third parties that compensated them which means they received benefits, see : pg. S-27 of there Prospectus Supplement dated XXXX XXXX, XXXX. It is unlawful and unethical for AMERICAN EXPRESS to discriminate against an applicant, with respect to any aspect of a credit transaction because of my Good Faith effort, exercised by right under 15 USC 1691 ( a ) ( 3 ). AMERICAN EXPRESS 'shall ' not engage in financial transactions using non-public Government information or allow improper use of such information to further any private interest. AMERICAN EXPRESS used my social security number to retrieve a XXXX score that has NO LAW to support there decision. this act to do so is a deceptive practice and data-privacy violation, that negatively affects my economic security. The acts of force made by AMERICAN EXPRESS means that AMERICAN EXPRESS didn't exercise there grave responsibility. The application/instrument was transferred for a promise of performance, to the extent the promise has been performed, see : UCC 3-203 and UCC 3-303 ( a ) ( 1 ) / AMERICAN EXPRESS sold the application/instrument/asset to the Underwriters, the Underwriters became the holder in Due Course, without notice that the instrument contains an unauthorized signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX  has willfully refused to acknowledge my request. In the attached documentation you will see that a I request XXXX XXXX TU block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 ) days business days after the date of receipt by such agency.
Product: Checking or savings account

Capital One has thousands of customers accounts frozen and not being able to access deposits, this is unacceptable and they need to be fined or sued!
Product: Credit reporting or other personal consumer reports

per fcra as a federal consumer a charge off is a certificate of indeptness income is not supposed to be reported must be removed