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

US  BANK  Cash plus Reward mone y is at least 1 % of any sale transaction I make. That is the promise the bank say they will gi ve away. I accumulated more than {$500.00} of reward money. I chose a few years ago to receive   XXXX   XXXX     XXXX    dollar   " gift reward card '' that I lost according to the bank because I did not spend it sooner!    I did not use those    XXXX    cards, since I did not need it. Today, I noticed that there was an expiration on  it  XX/17 . I di d not think it would be an issue a few year later when I wanted to spend. I have NEVER heard that there is a time condition to get that dollar back. This is not common knowledge. So, how is it that I can not get my dollar back unless I spend it befor e  XXXX  2017.    Also, I was under the assumption that this was a gift card, and it should not have an expiration date  ( Orego n  XXXX   ).   All this is very confusing . US  Bank promise that they would return that 1 % back to me. Why should n't I receive my money? because I waited too long! Again in the literature about USBAN K cash plus car d, they do not advertise that I will get that 1 % CASH BACK ONLY IF I spend it before a few year!     I started to call aroun d US  BANK requesting that they re-issue the card, like a regular check that has a 120 days expiration day. The money was promised to me as a consumer and they did NOT FULLFILL their promise to give me my dollar back for each {$100.00}, I spend.     Note  : US B ANK Credit Car d CASH PLUS  Card :  XXXX  I called and talked to Supervisor  XXXX  operator ID  XXXX , and then  XXXX  manager at  USBANK o perating number  XXXX . Insisted that I deserve 0 % cash back for not using the card on time.   US BANK  Gift Card Service  :  XXXX  I called the USBANK gift card issuer talked to Supervisor   XXXX  o perating number  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than XXXX different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXXXXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an Experian product, as XXXX, -- -it is difficult and time consuming to get a new report because I am blocked by XXXX in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on XXXX and do not want XXXX to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX  EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXXXXXX XXXX  WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS EXPERIAN. EXPERIAN REPORT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my accounts in XX/XX/XXXX and in XX/XX/XXXX Transunion let a stranger create a fraudulent login to my online account despite the freeze. This person was able to go as far as to create security questions and emails that would prevent me from entering my own account - despite that I had placed extra security measures on my account already. When I tried to handle this, they would not provide me any information as to how this occurred, or any information about what this fraudster had done with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from Renasant Bank involving XXXX this inaccurate account is causing me stress and XXXX  and it also affecting my XXXX  and financial health
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.
Product: Payday loan, title loan, or personal loan

The lending club loan was taken out in XX/XX/XXXX by my wife. The amount was XXXX they gave us a check for XXXX We have refinanced our house and LDS escrow. Of XXXX XXXX Paid XXXX XXXX XXXX dollars on XX/XX/XXXX. We had automatic payments taken out to pay for the loan, we had been late in XX/XX/XXXX as we thought the escrow would have paid it but did not pay it until XX/XX/XXXX, thus we were also late in XX/XX/XXXX. When lending club got paid and was paid off years early we still had a balance left, according to them, and they canceled the automatic payments. XXXX stated that.payments, which made us late again. The balance left was XXXX, but had to pay XXXX. XXXX was the person from lending club and would not say his last name. Phone call was done today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX XXXX XXXXXXXX, XXXX {$6800.00}, XXXXXXXX XXXX XXXXXXXX, XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items reflecting on my credit report. As of today, over 30 days later I have not received a response yet. It appears that Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so the inaccurate and unknown items should be deleted immediately. I demand these accounts be removed immediately or I will file for litigation due to the mental trauma and stress you caused me. My information was also impacted by the XXXX XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

For many years, my former husband and I had insurance and a joint credit card with USAA Federal Savings Bank. We separated in XX/XX/XXXX. Prior to our separation, we never carried a balance of more than a XXXX dollars on our credit cards. During the separation, USAA required us to have SEPARATE accounts for our insurance -- so they knew we were separated. My former husband testified under oath that he had closed all joint accounts. Several months AFTER our divorce was final in XX/XX/XXXX, when I applying for a mortgage, I learned that the account was still active and had a balance of over {$9000.00}. ( I later learned that, after the divorce, my former husband had transferred that amount from another card in his own name. ) I wrote multiple letters to USAA, requesting information re this account and sent them copies of court documents re my former husbands statements. USAA refused to send me any information re this account. 
Soon after that, USAA sent me statements for {$5000.00} -- -under a new account with a new account number and in my name alone! USAA had their agents calling me multiple times a day but continued to refuse to send me any information re the initial account or how they had come to assign me to a new account. I hired an attorney who filed subpoenas for all documents r/t both USAA accounts. USAA refused to comply with the subpoenas. They are based in XXXX and I lived in XXXX. They are a huge conglomerate and I am one individual. My attorney advised me to ignore their requests for payment. That amount went into collections and was eventually cancelled. The cancelled amount was then considered as income by the federal government and I was required to pay federal taxes on it. After many years, the notation re that account was removed from my credit history and, as it was prior to USAA 's unethical and possibly illegal practices, my credit was excellent. Since that time, I have disposed of most of the records r/t this issue. Although, if needed, I could contact the attorney who worked for me on the case. 
Throughout this entire time, I kept my home and auto insurance with USAA. They never told me there was a problem or that I was considered a " restricted customer ''. I bought a car in XX/XX/XXXX and they were happy to insure it. 
I am in the process of buying a new home and called USAA to get a homeowners policy. However, after 12 + years of being a good customer, they are telling me that they can not offer me any more insurance products -- -UNLESS I pay off the disputed balance of that USAA Savings Bank credit card. Considering the facts that that debt was written off and I had to pay federal taxes on that amount, I think that is ridiculous, unfair and poor business practice. I hope it is illegal.
Product: Student loan

I took loans out through Sallie Mae in the early XXXX. The loans totaled {$33000.00}. At the time I was done with school, the great recession had hit. I was unable to find employment for an extended period of time and the loans were put into forbearance. Beginning in XXXX, repayment began on the loans. I was unable to pay the amount and had to renegotiate payment plans on several occasions. Fast forward to the last few years when I became more financially stable. I have been paying several hundred dollars each month, which has gone only to interest. The interest rate has been hiked up over and over, and is now sitting at 12 % on the loans. I have created spreadsheets detailing all payments, including principal and interest. I have paid more than 3x the original balance on the loan, and still owe the company {$50000.00}. 

I have called so many times to complain and they say this is what you agreed to on the promissory note, we can not reduce interest rates. I am so discouraged and I do not understand how this is legal. I will end up paying more than 7x what was borrowed if I can ever repay the loans. I do not know who to turn to or what to do. I can't repair my credit because of these loans. I can not save money because of these loans. I can not start a family because of these loans. I can not buy a home because of these loans. 

There must be something that can be done. Borrowers have been failed at every turn. If these companies can legally do this, I have to ask the people in charge of them, how can they sleep at night knowing that they are ruining people 's lives? People who made decisions to do better and often at a age where they did not understand the implications of these decisions.
Product: Credit card or prepaid card

I am a victim of identity theft. I have reported this incident to the FTC. I HAVE CALLED DISCOVER and ti no avail the company is reluctant in removing the fraudulent account from my credit profile. I have never had a discover credit card. Nor have I ever had a XXXX XXXX  credit card.
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  : # XXXXXXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have tried disputing claims with Equifax and XXXX  to no avail. My personal information was taken from the 2017 Equifax breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.
Product: Mortgage

Beneficial applied two monthly payments in the XXXX of 2014 to the month of XXXX 2014. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, 2014 they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, 2014 after completing another reconciliation they told the XXXX Attorney General 's XXXX that our account was up to date. Between XXXX XXXX, 2014 and XXXX XXXX, 2014 they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) of {$1700.00}. On XXXX XXXX, 2014 they sold our mortgage to XXXX. Not only did they not tell XXXX that we were paid through XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand XXXX. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand XXXX and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was invited to apply for a loan by NetCredit XXXX, and on XX/XX/XXXX, I applied and I was approved for a line of credit of {$2800.00}. Those funds of {$2800.00} less the withdrawal fee of 10 % was sent and posted to my bank account on XX/XX/XXXX. When i signed up for the loan, I was under the impression based on the estimator that my payments would be {$210.00} monthly. I know that is high already in itself but i figured it would be paid faster and I did need it for an emergency. 
On XX/XX/XXXX I logged in to verify my payment due date and saw on my online account/dashboard my first payment would be due XX/XX/XXXX for {$210.00}, and then the next payment of {$200.00} on XX/XX/XXXX, and then the next one of XXXX on XX/XX/XXXX. From there it would be biweekly payment due that are just cents less than the month before. 
When i seen this on XX/XX/XXXX i reached out to understand these terms, and advised i hadn't even received a contract from them at that point and requested for one quickly. 
I have sent so so many emails for clarification or some sort of resolution, and it's always the same response that they can charge these rates because i signed the loan, and that it doesn't matter if their rates are nearly 400 %. 
The most recent email I received XX/XX/XXXX from NetCredit stated that they don't charge traditional interest. Instead they charge {$5.00} per every {$100.00}, and they call it a " statement fee '' that they apply every weeks when the payment is due. For me that would mean that by loan pay off date I would have paid them back exactly {$8800.00} for an initial loan of {$2800.00} based on their fee methods. 
I noticed in my loan agreement that the true lender or entity named in my contract anyways is XXXXXXXX XXXX and XXXX XXXX but it's in C/O Netcredit. It also included XXXX or XXXX XXXX and that entity was the name that appeared on the ACH deposit. 
Since receiving the loan on XX/XX/XXXX for {$2800.00}. I have paid back as of today XX/XX/XXXX the total amount {$420.00}, and current outstanding balance appears as {$3100.00}. 
I included all parties below. The bank appears as the entity involved or the contract pertains to ... NetCredit it the party I applied the loan with through their website ... and XXXX XXXX is who appeared on my bank account when i received the funds. 

I do not know what this complaint will do nor do I have any expectations to act as counsel, but I'd like to know if my complaint has merit so i can continue to look out for my best interest. Or if I have any protections under WA usury laws. Thank you so much for hearing me out, and my frustrations. 

XXXX Bank and XXXX XXXX XXXX Kentucky, XXXX XXXX XXXX XXXX XXXX, KY, XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX NetCredit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, ( XXXX ) XXXX
Product: Checking or savings account

I use an app called XXXX. It allows you to get paid earlier than payday depending on the amount of hours you spend at work. This app linked up with my PNC bank account and allowed the app to withdraw the money I had paid myself earlier in the week. I've been using this app linked with my PNC account with no problems until yesterday. XXXX app is telling me that my PNC bank is not allowing this essential service to link up when all other banks allow to this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX XXXXXXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Debt collection

Subject : Notice of Dispute and Pre-Arbitration Demand To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account numbers XXXX and XXXX, which Portfolio Recovery Associates claims I owe, purportedly acquired from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. This dispute is grounded in the fact that by acquiring this debt, Portfolio Recovery Associates is now subject to the arbitration agreement delineated in the XXXX XXXX credit card agreement, which governs this matter. 

As stipulated in the arbitration agreement, any disputes arising from this debt are to be resolved through arbitration. I am fully cognizant that the initiation of arbitration can result in substantial costs, and I am prepared to invoke this option should an amicable resolution not be achieved promptly. 

I am aware that Portfolio Recovery Associates purchased this debt at a significantly reduced value. Given this context, I propose an opportunity for you to resolve this matter without resorting to arbitration. To facilitate an amicable resolution and circumvent the considerable arbitration costs that would be incurred, I present the following terms for your consideration : XXXX. Payment of {$5000.00} : In recognition of the emotional distress, anxiety, and financial hardship engendered by this situation, I request a payment of {$5000.00}. This sum is intended to compensate for the adversity I have endured due to this alleged debt.

2. Removal of Tradeline : Following the receipt of the aforementioned payment, I insist that Portfolio Recovery Associates expeditiously expunge and eliminate all detrimental trade lines associated with these account numbers from each credit reporting agency where they have been reported. This measure is imperative for reinstating my creditworthiness and mitigating further harm.

I believe these terms are just and equitable, taking into account the circumstances. I am amenable to discussing a potential resolution within these parameters. Nonetheless, please be apprised that if a mutual agreement is not reached within 14 days from the date of this letter, I will proceed with the initiation of arbitration, as prescribed by the terms of the XXXX XXXX credit card agreement. 

I anticipate your adherence to the urgency and gravity of this matter. I await your written response within the stipulated time frame of 14 days from the date of this letter. To discuss this matter further, you can contact me via email at XXXX. 

Thank you for your expeditious attention to this matter. 

Sincerely, XXXX XXXX