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

I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with XXXX and Experian with the most recent letters dated XX/XX/2020. I received the results from XXXX dated XX/XX/2020 stating the information was verified as accurate. I received the results from Experian dated XX/XX/2020 stating the information was certified to Experian as accurate. See the attachments for copies of the disputes to both XXXX and Experian. 

The disputes with both XXXX and Experian have not been resolved as the information has not been verified. I have not received any documentation of said verification received by XXXX or Experian.
Product: Credit card or prepaid card

Hello, after having numerous technical problems with the website to apply for a credit card, I decided to travel hours from my home to a Truist branch in XXXX OH to apply for a credit card in person. 

Since the beginning I was always interested in the Truist Enjoy Travel card for my travel purposes. I attended the branch in XX/XX/2022, and due to a problem with the computer system, my application went to card Enjoy Cash XXXX card instead Enjoy Travel. 

The Banker XXXX XXXX at the XXXX branch said he would sort this out with the Backoffice in a few days, but today he's on vacation, and I've called several times to no sucess. 

I have been approved for the Truist Enjoy Cash card. However, I ask that the product be changed, as I am interested in the Enjoy Travel card. The branch promised to resolve and exchange the product in 1 day, without sucess. 

All I request is that the product I was pre-qualified for, be changed to the Enjoy Travel card. 
I have called the branch at XXXX XXXX XXXX and the XXXX numbers, but the waiting time is more than 4 hours. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit report and, I am writing to formally dispute the inaccurate information being reported on my credit file regarding account # XXXX. After reviewing the information provided by each of your bureaus, I have identified several inconsistencies and inaccuracies that are negatively aecting my credit report. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate action to correct these errors. Without my written consent to furnish my information is a form of identity theft and fraud, according to 15 U.S CODE 1681 this account needs to be deleted immediately.
Product: Credit reporting

I am complaining that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, of which by law, I have the right to request who they are " verifying ''. They are holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX hack, I tried to use the Annual Credit Report service online ( XXXX XXXX XXXX ) to view my credit reports. Only XXXX was able to provide this information. Both TransUnion and XXXX were unable to complete the request online. I was able to use the phone service ( XXXX ) for Annual Credit Report to request credit reports from TransUnion and XXXX, but given the current activity and service unavailability, I 'm not going to hold my breath. 

Then I tried to freeze my Credit Reports. 

I was able to do it with TransUnion ( and paid {$10.00} for it ) by phone, at XXXX. 

XXXX was unable to furnish me any services at all - phone- and web-based services were both down or unavailable - generally after taking my information and validating everything. Phone : XXXX. Online : XXXX XXXX XXXX I moved on to place a 90 day Initial Alert via XXXX XXXX XXXX service at : XXXX XXXX XXXX using my personal information. I HOPE that this will propagate to the other 2 bureaus, but I do not hold out a lot of hope that this will actually happen.
Product: Debt collection

XXXX XXXX, 2016 {$350.00} I called and notified the collection company that this is not my bill when it was received in 2016. This is a Bill for a XXXX XXXX XXXX in Florida. Which is not my name nor a name I have ever gone by. The last 4 of the Social Security number on my credit report that was also included on the report is not my last 4. When I spoke to someone at the company last year they said they would take care of this I even told them the last 4 of the social was inaccurate/ not my final 4.
Product: Vehicle loan or lease

In XX/XX/XXXX, I acquired a XXXX XXXX XXXX from a XXXX XXXX XXXX XXXX XXXX New Jersey. The financing terms specified an annual percentage rate ( APR ) of 19.9 %, resulting in monthly payments of {$740.00}, originally set to conclude on XX/XX/XXXX. However, due to the COVID-19 pandemic, a six-month extension was granted, extending the maturity date to XX/XX/XXXX. 


Upon careful examination, I noticed that the payments made for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each totaling {$740.00}, were solely applied to interest, effectively covering the interest accrued during the six-month extension period. 


Furthermore, the interest rate exhibited significant variability on a monthly basis, leading to noticeable fluctuations between consecutive payment cycles. For example, the interest accrued on XX/XX/XXXX, amounted to {$440.00}, reduced to {$400.00} by XX/XX/XXXX, before escalating to {$580.00} by XX/XX/XXXX. As the revised maturity date approached, notifications began indicating a potential outstanding balance of {$8500.00}. 


In response, I promptly engaged with the bank, discussing the situation with a representative who acknowledged the likelihood of a {$4600.00} balance by XX/XX/XXXX. However, despite my efforts and subsequent follow-ups, including one on XX/XX/XXXX, the outstanding balance persisted at {$7900.00}, with the bank asserting my obligation to pay this amount. 


Given the lack of progress in resolving this matter with the bank, despite my continued efforts and the interest payments already made, I believe it is imperative to conduct a thorough review of the situation. As I prepare to make the final payment on XX/XX/XXXX, I request a comprehensive assessment to ensure clarity and fairness in the resolution process.
Product: Money transfer, virtual currency, or money service

VENMO APP - should be stopped immediately and people should NOT be allowed to use this service; they will rip you off of money! 

If they lock your account for no reason or temporarily lock you, there is no way to talk to someone to find out why ; they have your money sitting in their account and you can't even transfer it to your account- it's your money ; not there's ; they lock your account ; you can't get to your money Many people are using this company to transfer money between friends/family -- they NEED to STOP now -- people can loose their money and in an economy like this, people can't afford to loose money -- -they want to act like a bank, but provide NO CUSTOMER SERVICE; human robots answer the phone - tell you an account specialist can help you but no way to get to these " account specialist '' you are at their mercy to contact you ; they are people behind a computer with no way to talk to and they HOLD your MONEY -- STOP VENMO APP NOW -- before more people loose their money -- they are not a bank - they need to stop pretending to be one ; the federal government needs to shut them DOWN VENMO BEFORE MORE PEOPLE LOOSE THEIR MONEY!!!
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. 

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days. 

Please remove the following accounts : XXXX 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 SANTANDER XXXX Unauthorized Hard Inquiries : XXXX XXXXXXXX XXXX ( Finance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed.

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax freeze I have been contacting them since last week and yet they havent allowed me access to my credit report due to the freeze. I had to change my password ( XXXX ) times since XXXX and yet they didnt assistant me with my request. 

I have contact them XXXX this morning and the representative had me on hold for along period of time and yet I have dont have no access to XXXX & XXXX APP on my XXXX and yet I must contact them to unfreeze my credit and as of today XX/XX/22 they have not unlocked my credit report I have filled out application for mortgage lender and they cant pull my Equifax credit report. 

This agency has right has unprofessional when it comes to my freeze on my XXXX. The representative ask me why do I need my credit report unfreeze and I explained to her she have no rights to ask me about what I am trying to do in order for them to unlock my credit. 

Nevertheless, when I login myfquifax.com and yet XXXX cant unlock my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX XXXX  to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

XXXX payment was sent to wrong person bank said I was not able to get my money back. XXXX has now created a message that first ask if this is the correct person receiving this money this was not the case previously. XXXX is now being sued for not stipulating this from the beginning.
Product: Debt collection

Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my Discover Card by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against Discover. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did Discover. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Product: Credit card

WF admitted their error of not attaching the six-month 5 % Grocery/Gas/Drugstore bonus in the attached response to our original CFPB complaint dated XXXX XXXX. 
Subsequently, they did nothing to add the 5 % back to our account. So they are simply lying to their customers!! They did not provide a direct number to XXXX XXXX XXXX for us to follow through, either. 

We demand that the six-month 5 % promotional bonus be added to our account immediately!!
Product: Credit card

XXXX credit cards were opened without my consent these accounts are fraudulent I never applied for a credit card with XXXX  or XXXX  credit cards, have these accounts closed and removed from my credit file,
Product: Credit card or prepaid card

Capital one refuses to respond to my original complaint as to why they allowed a secured card with a {$650.00} credit limit to be over charged by {$540.00}? That was my original complaint to them. And they keep telling me that they credited me {$540.00} because I disputed it and then added back to my account after they did not get the information they requested. I am aware they provided a credit. I need to know why they would decline several smaller charges of {$150.00} on XX/XX/2022 and two charges on XX/XX/2022 for the same amounts due to not enough credit available on the card, but on the same day allow a charge of {$540.00} when there was still no available credit left on the card? 

This happened before I disputed the charge and they provided an initial credit. 

When I signed up for the card Capital one assured me that you can't go over your limit with a secured card. Capital one is being deceptive and allowed the card to be over charged deliberately so they can charge me over the limit fees and late fees..
Product: Credit reporting or other personal consumer reports

Experian has noted that FCRA does NOT require them to maintain records of disputed accounts. Experian has " destroyed '' the records for a dispute that is not even 2 years aged ( was completed on XX/XX/22 ). 

Experian indicated that " keeping that information would be at my detriment and unfair ''. I explained that my " public '' credit report is much different than their internal notes, which I requested. 

At this time, Experian has indicated that I have never made a dispute on my credit file, which is inaccurate, as at least XXXX ( including this issue ), if not XXXX, have been logged with that agency. 

Since I can not see the details, I assume that I have the correct dispute report number of XXXX ( see attached email confirming that Experian knew of and sent correspondence related to this dispute ).
Product: Credit card or prepaid card

Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.
Product: Credit card

On XX/XX/year> I made a XXXX purchase from the XXXX XXXX XXXX XXXX of starting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After realizing I was scammed into signing a no refund contract these people promised a new truck and trucking company and I never got either one. I tried to get my money back from this company but they ceased all communications with me once I filed a dispute I have sent lots of evidence of this company running a scam ring and navy federal still charges me for this incorrect situation this is not legal nor ethical.
Product: Credit card

Hi. I 'm a young guy and have XXXX credit cards, using them responsibly to build a good credit history. I have never missed a payment, and always pay in full. But, I 've since realized that one company, CitiBank, has been manipulating my balance by not applying cash rewards through statement credit as a valid payment. For example, if my statement is {$100.00} dollars, and I pay {$90.00} through a payment and {$10.00} from a statement credit cash back reward, they do NOT count my statement as paid in full. That means at the end of the month I get charged interest on the entire {$100.00} because they chose not apply the statement credit as a legitimate payment. There is nothing that clearly states this when using the statement credit ; the terminology and wording is abstract and not specific. Besides this being a practice that should be outlawed anyway - as it 's clearly an attempt to squeeze interest charges out of card-holders.
Product: Mortgage

My problem started when my loan was sold to sls from residential credit solution. I applied. Modification loan and they denied it in XX/XX/XXXX. Which reasons are not cleared to me why my application was denied. Then a week later I received a Deafault letter with so many extra charges. When I called somebody said the extra charges are for escrow and To me an escrow charge is only when buying a new house. I paid the amount though it left my family in debt. But in XX/XX/XXXX i received again a default letter stating my account is in default again for not payment even i sent money in XX/XX/XXXX, I called 3 days ago, some name XXXX told my wife that our monthly payment is already been increase to {$3400.00} instrad of {$1500.00}, which was sign by me from our previous mortgage. Apparently because they took over paying my property tax they charge extra {$15000.00} in advance every year. I told them that I could pay my own taxes and I theres a way that I will pay it myself, instead of them paying it without any sign aggrement between us. She Said no, they will keep paying it and willl charge my account XXXX every year. & will be collecting them in advance by adding {$1100.00} every month on my monthly payment .and I was advise to apply a new modification loan again to which I am not sure they willl approved me. I am afraid that this company is ripping us off and eventually will foreclose our home because of all the additional charges on my account which is not affordable .We can not afford to make a payment of {$3400.00} every month when our contractual amount is only {$1500.00} I hope you can help Us. Thank you very much
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with Equifax. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with Equifax, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from XXXX. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.