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

I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it. 

XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me. 

At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help! 

Respectfully, Unhappy in MS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all XXXX credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.
Product: Credit card or prepaid card

I have been an American Express cardholder since 1983 and I currently pay fees of {$5000.00} a year just for having the American Express XXXX ( XXXX ) card. I recently disputed a charge on my account ( Billing Error dispute # XXXX ) - I did not receive products provided by an online merchant. The original charge was {$210.00} and the amount in dispute was {$100.00} ; only hqalf of the goods were delivered. American Express sided with me in the dispute by issuing a credit, but only credited me back {$86.00}. No one at American Express can tell me why I was credited with this weird amount ( and not the full amount ) other than " that is what the computer told us to credit you with ''. The Fair Credit Billing Act ( section 1666 ( a ) ( B ) ( ii ) requires American Express : " In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. '' This was not done, but American Express refused to reopen the case. The American Express response to me stated simply : " Merchant has provided the enclosed documentation for your review. '' No shipping documentation was included
Product: Credit reporting or other personal consumer reports

Failure to process Dispute letters : Within the last XXXX XXXX days, several disputes letter have been sent to the credit bureau, only for me to receive stall letters. 
The Credit bureau is violating my right as per 15 USC 1666b- Billing error Also this account is inaccurately being reported across the 3 bureaus, thus the LATE PAYMENT XXXX 2024 should be deleted due to inaccuraries see attached credit status snapshot.

1. UNDER 15 USC 1666B - THIS IS A BILLING ERROR ...... I did not receive periodic statement including the information required by section 1637 ( b ) of this title via mail or delivery to me not later than 21 days before the payment due date. 
Late payement -XXXX 2024 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report and update to Paid as agreed or Paid and never later. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

I received my direct deposit to my bmo account and could never log into my bmo account. I called the branch and they told me my account was under investigation. I asked for dates to check back and was told no timeframe. I reached out to the bank again a week lsyer abd still received no answers and I was transferred to a line that hung up on me. After numerous tries of reaching out for communication Ive finally given up. I havent been contacted by this agency and they still are holding my funds from my unemployment. Ive been told I was gon na receive help. I was told I would be able to go to a branch to get my funds out. I was given the direct number to the security and fraud deidrtment to speak with a XXXX. But Ive called and left numerous voicemail fir consecutive days ( 2 ) and its XXXX I still cant receive my unemployment funds as this has been a tough time already. Im asking this bank be prosecuted to the fullest extent because this isnt the first time their keeping my funds from me and I would like all the intrest that theyve gained from holding my money illegally and to have them sanctioned and all consequences imposed directly to their organizations as a whole. And I would like to b compensated for my emotional stress, my incinviences, and for my overall unsatisfactions with this company. Please.
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I called Citibank twice during this pandemic to describe my hardship. I answered 4 phone calls from them when they called to tell me my bill was past due. On each of the 6 conversations I had with them each representative told me it was nothing they could do. The interest is mounting. I dont have the income to pay the bill and its a horrible position to put me in. My credit score went from XXXX to XXXX because of Citibank credit cards reporting and Unwillingness to help me during this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Product: Credit card or prepaid card

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXXXXXX/ XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/BRIDGECREST are breaking the law by continuing to show inaccurate information on account. Account is in repossession yet companies are reporting late payments. Co-applicants name is spelled completely wrong, as well as a $ 0 monthly payments being reported as well. All of these inaccuracies are in violation of federal law and need to be deleted.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX
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 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, 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 or other personal consumer reports

On my Experian report I see that the amount shown on my credit report is incorrect
Product: Payday loan

I have contacted the loan company i went thru for a payday loan. The companies name is CashNetUSA. I sent them an email telling them I wish to exercise my right as an Ohio resident and defer the payment as well as " I revoke my authorization to debit my bank account ending in ( insert last XXXX bank account number ) and debit card ending in ( insert last XXXX numbers of debit card ''. The company responded to me saying they do not legally have to revoke the authorization and that they can charge my account until the loan is paid in full. I told them I did n't have the money at the time and do n't want charges for overdraft and bounced check. My bank is first merit which is in Ohio. I also contacted my bank and their response was that there is no pending charges at the time. If I wanted to I could pay {$33.00} to issue a stop payment against the company. That should n't even be necessary as I said specifically I was revoking the authorization. Also let it be known, the contract I signed had nothing stating I could or could not revoke the authorization. The company is playing games with loopholes and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card
Product: Debt collection

I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.
Product: Mortgage

XXXXXXXXFrom : XXXX MA XXXXXXXXLoan # XXXXXXXXTo CFPBRE Home Affordable Modification Program andEscrow Account associated with Home Affordable Modification Agreement with SLS : SLS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXXFax XXXXXXXXTo whomever it may concern,1st complain : Endorsed by SLS Home Affordable Modification Agreement. 
Please be advised that our Home Affordable Modification Program was approved by SLS on XXXX XXXX, XXXX, and Agreement was signed by both of us, me and my wife XXXX XXXX, and was submitted for endorsement on XXXX XXXX XXXX to SLS. To this day, after several written and verbal-by-phone requests, the XXXX did not provide signed/stamped and returned above mentioned agreement. SLS faxed unendorsed Agreement twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. No explanation was provided as why the signed agreement was not returned. This endorsed by SLS agreement is needs to complete our application to modify second mortgage with XXXX. 

2nd complain : Escrow Balance. 
Per Home Affordable Agreement Modification offer issue on XXXX XXXX XXXX by SLS, we were required to make a P & I payment along with escrow payment for real estate taxes and homeowner insurance. We were requested to make " trial '' payments before permanent modification could have been granted. Trial payments for the first time that we were making mortgage payments to SLS had to include escrow for real estate taxes and homeowners insurance. When the trial payment started on XXXX XXXX XXXX, there was no outstanding balance to town of XXXX for real estate taxes, and home owner insurance was paid in full for period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We made the following Principle and interest payment of {$1000.00} and rest for escrow payments : XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX, XXXX $ XXXX XXXX, XXXX $ XXXXXXXXModification was approved on XXXX XXXX XXXX with new payment including escrow was made onXXXX XXXX, XXXX $ XXXXXXXXAll these payments were with escrow for taxes and insurance. 
Our escrow balance should have surplus of approximately $ XXXXXXXXSLS made real estate tax disbursement on XXXX XXXX XXXX for {$3200.00} and {$3200.00} on XXXX/XXXX/XXXX for total of {$6500.00}. Our escrow balance should have been positive {$160.00} with next real estate tax due on XXXX XXXX XXXX. 

The statement received from SLS for escrow calculation shows shortage of $ XXXXXXXXWe do strongly disagree. After several calls and requesting re-calculation twice, first in XXXX XXXX and again on XXXX XXXX XXXX, it did not resolve escrow dispute. We were told the first XXXX trial payments did not resulted in escrow credit. No explanation was provided. 
At the last attempt to resolve the issue over the phone on XXXX/XXXX/XXXX resulted SLS hanging up the call. This behavior is simply unacceptable. 


Your prompt attention will be greatly appreciated. 

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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name 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 XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices.

1. I never received a notification within 30 days of this reporting on my credit report.

2. When I requested validation of debt, they sent me paperwork with someone else 's name on it.

3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate.

4. The collection failed to prove that they own the claimed debt.

5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten.

6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent activity on my report. These accounts are affecting my ability to obtain credit. Please remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX  and financial XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Product: Credit reporting or other personal consumer reports

I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for Transunion to honor the 15 USC 1681b no consent matter as they have not