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

I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21. 

I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened. 

I paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle. 

Although I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing on my account! I demand this hard inquiry removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I reported fraud on the account to the credit company. The company did nothing, the fraud continued and all the money was take by a dating agency. I stopped using the card, but it was still being charged by the dating agency. I called the credit card company because of the fraud they didn't do any thing but allowed the fraud to continue. I cancled the credit card and I currently do not have an active card on this account. However, I am stilling charged and paying late fees because of a monthly charge on a inactive credit card account. I have told them I don't have an active card on the account but I am still being charged for a card and it's ruining/distorying my credit. Please help. 

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

THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. EXPERIAN, XXXX, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Student loan

I borrowed Student Loans from Sallie Mae but fell behind on payments. As a result, my loan was charged off and sold to a debt collector XXXX XXXX XXXX. I made two payments with them, but I do not believe these payments went to Sallie Mae. I am in contact with Sallie Mae to obtain any records they have, and the debt collector was hesitant to assist me in this matter. I am trying to assess my options.
Product: Money transfer, virtual currency, or money service

TradeStation approved my account and I qualify for a cash bonus in the amount of {$500.00} for making a {$10000.00} to that approved account. Now, TradeStation refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating TradeStation is using this promotion to lure investors to their platform - and then refuse to honor the terms outlined. This evidence suggest that TradeStation is aiming to expand their client base under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my XXXX credit report I recognized that I have 8 hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX XXXXXXXX XXXX XXXX, IA XXXX that is showing for XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. 
Several accounts that was not open by me. Are on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts on my credit report there are XXXX  addresses on my credit report, even though Ive never lived or had an address in XXXX  ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with XXXX XXXX informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as Equifax just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau XXXX also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report online and noticed that, despite multiple disputes, my XXXX  XXXX account is still being incorrectly reported as closed. this ongoing error has had a significant negative impact on my credit score.

I am requesting that this account be updated immediately and accurately reported as open. Please address this issue as soon as possible, since it is affecting my financial standing. 

Thank you for your attention to this matter.
Product: Debt collection

I received a letter from Asset Recovery Associates ( ARA ), Inc.,  XXXX. XXXX XXXX, XXXX XXXX, Illinois XXXX, demanding payment of {$12000.00} for a debt I supposedly owe to XXXX XXXX XXXX, Account number XXXX. The letter did not provide any more information about the alleged debt. I have never done business with XXXX XXXX XXXX and I do not know anything about this debt. I absolutely, positively do not owe this debt. The letter is signed by XXXX XXXX and is dated XXXX XXXX XXXX and shows the ARA file number to be XXXX. The letter further states that if I do not respond to the letter within 30 days, ARA will assume the debt is valid. I 've done research on ARA online and found that they have a long history of credit collection abuse. ARA 's letter is obviously a scam to try to trick an unsuspecting recipient into paying debt they do not owe. I will follow up this complaint with a letter to XXXX XXXX of ARA denying I owe the debt. The letter will be sent certified, return receipt requested via the US Postal Service on Monday, XXXX XXXX XXXX. Here is the text of the letter : XXXX XXXX XXXX XXXX XXXX Asset Recovery Associates, Inc. ARA, Inc. XXXX XXXX XXXXXXXX, XXXX XXXX, Illinois XXXX RE : ARA Account File Number XXXX Sent Certified Mail, Return Receipt Requested Attached is a copy of the letter you sent me on XXXX XXXX XXXX, wherein you allege I owe XXXX XXXX XXXX and/or ARA {$12000.00}. I DO NOT, I REPEAT, I DO NOT OWE THIS DEBT! I have never done business with XXXX XXXX XXXX. Stop attempting to collect this debt from me. Note that I have filed a complaint against you with the Consumer Financial Protection Bureau. A copy of the text of that complaint is attached. Any further attempt to collect this debt will be a violation of the Texas Fair Debt Collection Statutes. If you, or any of your assigns, make any further attempt to contact me regarding this debt, I will pursue all legal an administrative remedies I may have against ARA, Inc., Asset Recovery Associates and you personally.
Product: Debt collection

A debt of {$1600.00} shows up as in collections on my credit report. It says this was opened on XX/XX/year>. I haven't received any mail or phone calls regarding this debt and would like to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are both reporting my XXXX XXXX balance as {$400.00} that is not correct. I notified both companies and informed XXXX XXXX so they can resend the info bit no change XXXX, Equifax and XXXX are reporting on my Grain account incorrectly I again have notified the credit bureaus and the company with no update to the file Equifax, XXXX both are reporting XXXX XXXX with a balance but that account has been paid off for a month
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a written dispute to Experian to correct inaccuracies in my credit report. Specifically, I requested the removal of multiple names, addresses, and phone numbers that are not associated with me or my credit history. To support my dispute, I provided proof of my identity, including a copy of my drivers license, Social Security card, and a utility bill verifying my current address. 

On XX/XX/XXXX, Experian responded to my dispute by correcting some items, such as updating my primary name and address and removing several phone numbers. However, they failed to remove multiple inaccurate names and addresses that I explicitly disputed, leaving my report incomplete and inaccurate. 

This failure violates the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : CRAs must conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : CRAs are required to delete or correct disputed information that can not be verified. 
Despite my multiple attempts to resolve these issues directly with Experian, they have not fulfilled their legal obligations to conduct a proper investigation or correct the inaccuracies on my report. This ongoing failure has caused significant frustration and potential harm to my creditworthiness. 

The CFPBs recent lawsuit against Experian on XX/XX/XXXX, highlights systemic issues within the company, including allegations of " sham investigations '' that result in unresolved inaccuracies for consumers. My experience is consistent with these allegations, as Experian appears to have conducted a superficial investigation that failed to address the errors in my report. 

Given Experian 's repeated noncompliance, I am requesting the CFPB to : Ensure Experian removes all inaccurate names and addresses from my credit report. 
Require Experian to adopt improved investigation procedures to prevent further harm to consumers. 
Hold Experian accountable under the FCRA for their failure to meet their obligations. 
This issue has caused me unnecessary stress and has left me uncertain about the accuracy of my credit report. I am seeking the CFPBs assistance to resolve this matter and ensure Experian adheres to its legal responsibilities.
Product: Credit card or prepaid card

I had a {$1300.00} charge refunded approximately five weeks ago and have requested this credit card company send me a check for that amount. I have called them now at least 7 times on this matter. They still do not know when they will be able to issue me my credit refund. They could not explain the delay. They have previously told me the credit check is coming - so they are clearly lying to me, again and again. I suspect they are purposely withhold my money, as I had previously paid for the charge, in hopes I forget about it. They may possibly be delaying the refund process to help their own financial situation. Whatever the issue is, they can not explain and are operating in a rotten and possibly illegal matter. I need the money and they refuse to send me my credit refund. Please help me with this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Checking or savings account

My checking account with Citibank was blocked by the bank on XX/XX/year> without any type of warning or explanation. I called the bank that same evening and was provided no explanation except for the fact that my account was closed and I would get a letter and if I wanted my money, I could go into the local branch. I went into the local branch the next day and told me that they couldn't give me my money. I immediately tried to cancel my work paycheck from being deposited on Friday, XX/XX/XXXX. On Friday, my paycheck didn't deposit into my other account so I called Citibank to see if it went into the closed account. The representative told me that there were no deposits into the account and if my company tried to send funds, it would have been returned. I waited a week and my employer told me that they haven't received the ACH deposit from Citibank. I called Citibank again on Monday, XX/XX/XXXX and they told me that they couldn't give me any information and to go into the local branch. I went into the local branch on Wednesday, XX/XX/XXXX and they told me my payroll did get deposited into my account and that my account wasn't closed but just blocked. They said that they couldn't give me my money because because they needed a special department to lift the block. The banker called a department to see if they could lift the block but said that they wouldn't know for 48 hours. How is it legal for Citibank to not give me any notification about closing my account before I could change my payroll to a different account or at least give me access to my money? I have been put in a horrible financial situation because of them and have no idea what to do at this point. I had been a loyal customer for 26 years and have spent countless hours trying to get this resolved with no results.
Product: Debt collection

I received correspondence from Wells Fargo on XX/XX/XXXX with the subject of a rate check inquiry for a Wells Fargo personal loan. I was provided a rate check ID number. I have never had nor pursued any business with Wells Fargo. There was no telephone number on letter to coresponde. I XXXX telephone number for business based on address I'm XXXX, AZ. Spoke to multiple individuals and advised that I was somehow a victim of identity theft. I was told it would be escalated to whomever. On XX/XX/XXXX, I received a letter from Wells Fargo, now with a XXXX OR address referencing an account number ending in XXXX. I called the number provided XXXX and spoke to a male rep who advised he needed my social security number to assist me. I asked to speak to manager. I was told one was not available but he could transfer me to the executive office. There a foreign sounding man by the name of XXXX answered but refused to give his last name. I asked for mailing address to coorespond and was refused stating they're are located in the XXXX XXXX. I terminal call.
Product: Credit reporting or other personal consumer reports

i sent CREDENCE RECOURSE MANAGEMENT A certified LETTER ON XXXX, requesting deletion of the inaccurate account they are reporting on my credit, the account was charge off from XX/XX/XXXX which i should have received a XXXX, per IRS to file on my taxes as income, Income can not be reported on my credit report which constitute a violation of the FCRA.and for them to cease and desist from all mediums including credit reporting I sent XX/XX/XXXX a certified letter on XXXX requesting my copy of the XXXX that was charge -off with this account so i can file it on my taxes as well. 

I ALSO SENT A LETTER TO XXXX REQUESTING DELETION OF THE INACCURATE ITEMS AS WELL
Product: Credit reporting or other personal consumer reports

My information was affected but the XXXX XXXX My information was exposed, you must removed within XXXX days. Under section XXXXXXXX XXXX this information must be removed within XXXX  days. Don't try to use the XXXX  days to fix my entire credit file. My entire file was exposed to the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On my credit report its showing 5 late payments which is incorrect, my account was disputed because there was a fraud claim on this account. So I didnt have 5 missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an FTC report with with 2 fraudulent accounts and tons of fraudulent inquiries
Product: Payday loan, title loan, or personal loan

DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! 
Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has 7 inquires on my report that I DID NOT authorize, >>XXXX  XX/XX/2018<< >>XXXX XXXX XX/XX/2018<< >>XXXX Via XXXX XX/XX/2018<< >>XXXX XXXX XX/XX/2018<< >>XXXX XXXX XXXX XXXX XX/XX/2018<< >>XXXX XXXX XXXX XX/XX/2018<< >>XXXX XXXX XXXX XX/XX/2018<< I DID NOT apply for credit with these companies/businesses and therefore they NEED TO BE DELETED!
Product: Debt collection

Since XX/XX/2019, this company continues to send me letters stating they are attempting to collect a debt for {$270.00} for XXXX XXXX XXXX. I have sent them 4 letters asking for debt validation and they continue to ignore my request. Instead, they continue to ask for payment. In the last letter I sent to them, dated XX/XX/2019, I advised them that I believe their company has violated my consumer rights in the following ways. 

Failed to validate a debt at my request FDCPA violation Continued to attempt to collect a disputed debt FDCPA violation But yet they still send more letters dated XX/XX/2019 and XX/XX/2019 asking for payment without validating the debt. I've asked that they provide proof of their right to own/collect this alleged debt and to provide the following : 1. Balance claimed including all fees, interest, and penalties 2. Copies of any papers that show I agreed to pay what they say I owe 3. The original contract bearing my personal signature 4. License proof to collect debts in my state 5. License numbers and registered agent
Product: Credit reporting or other personal consumer reports

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