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

I hereby officially want to file a complaint about the credit bureau EXPERIAN for selling my information to partners involving a simple loan application in order to purchase another home. I do not consent them to contact me in any way. When I tried to contact Experian directly via phone, they only direct costumers to their website or ask them to contact via mail. When tried to opt out via their website, the automated voice messaging service purposely misinterprets user input when providing contact information for the opt out process and disconnects the call in order to remain on their list for information distribution. I receive more than 50x calls a day about one credit pull conducted for an home loan application. Thanks to experian selling my information I now can not have a normal day and can not answer my calls because I can not tell if its a legit caller or another telemarketer or someone trying to refinance my home. I've submitted opt out requests via email at XXXX and registered my phone number to national DO NOT CALL registry with the FTC. I am hoping that this complaint helps consumers obtain better protection, as I am sure that I am not the only one experiencing this.
Product: Debt collection

XX/XX/year> AMERICAN EXPRESS Subject : Dispute of Account with {$0.00} Balance Dear Sir/Madam, I am writing to formally dispute an entry on my credit report pertaining to an account with a XXXX $ balance. The account in question is inaccurately listed as flagged/charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my XXXX letter report that I filed as well for Identity theft. Please see all attachments.
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 {$19000.00} 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 ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$19000.00} -This is not my account.
Product: Credit card or prepaid card

I received a letter from Citi ( Costco Card ) dated XXXX XXXX advising me, my Costco Anywhere Visa would soon expire, but due to a bankruptcy or a charge-off on another card they would not be renewing my card. I have never been delinquent on any credit card, or loan that I have opened.

Since I have owned this card, this has been a yearly issue. I have to contact Citi yearly and have them re-issue my Costco Anywhere Visa card. In addition, I have demanded that if there is an outstanding account, that they provide me with said information, but they have never been able to provide me with any such account. I have also reviewed my credit reports and have found no such account. 

Today, I spoke to XXXX XXXX Grp # XXXX ), an Escalation Mgr. at Citi who was also unable to resolve my issue, but provided me with the address to the Executive Response Unit which I also plan on engaging.
Product: Credit card

I believe the account is invaliXXXX XXXX XXXX XXXX XXXXXXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or materialalterations, and that the original lender provided value. Furthe r, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX XXXX card services. They have a XXXX XXXX XXXX profile that seems to XXXX the exact situation that they put me in. I opened a credit card and nowhere in the description did it say I wish to be charged a {$99.00} fee. On the website it said things like no fees or no annual fees. But that is not my main issue.

The card arrived and it had an immediate balance due of {$99.00}. Which I did not expect so I called them three days after the card arrived to see what their explanation would be. They stated that I needed to pay the {$99.00} annual fee before they would open a credit line of {$300.00}. I said I did not want to having annual payment credit card and would like to close the account. They stated that the only way to do that without paying the {$99.00} fee is to do it by fax or in writing by mail. Which I think sounds illegal. But if I paid the {$99.00} I could open, then close the account. I did not want this on my credit report so I paid the {$99.00} and told the lady to close the account. After some strong resistance, she finally agreed to close the account. This was in XX/XX/2018. 

After that conversation I cut up the card and threw it in the trash. I never got any more correspondence from them. By e-mail or mail. However in XXXX I start getting calls from a debt collector about XXXX fs card services. The lady did NOT close the account like she agreed. She left it open and not only did they charge me another {$99.00} fee but also XXXX {$41.00} late fees and attached derogatory remarks to my credit report. This has to be illegal. And if you go to the XXXX XXXX XXXX page you will find pages of them promising to close accounts, not closing accounts and then putting collections on people. Do you know what happens if you try to buy a house and you have a collection on your credit report? You pay it. No matter whether you owe it or not. This is clearly credit extortion and these people need to be shut down. I want them to remove the derogatory remarks on my credit report and refund me the {$360.00} they stole from me. Can you guys do anything? I'm surprised this is happening in America
Product: Credit reporting or other personal consumer reports

From XXXX to XXXX my credit shows late fees and delinquent payment when the account was set to forbearance
Product: Debt collection

getting constant calls, ,i have no idea what the debt is, and wont tell me
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company XXXX Capital One / Walmart Rewards ) is reporting my balances. Outside of the 31 days cycle. My cycle is from the XXXX to the XXXX of every month. Reporting my statement on the XXXX to all the bureaus across the board. This is within the 31 days cycle. But they have reported me to XXXX and other Credit bureau 's within 10 days of the 30 day cycle showing my spending at a higher percentage then it would be at the end of the 31 day cycle. This is happened more than once over the last four months. I've communicated with them on several occasions to see what the problem was. They said that they never report outside of the statements. Got in contact with my credit bureau XXXX they said they would be no reason for XXXX to update anyone 's balance unless creditors reported or requested. Capital One / Walmart Rewards Act # ... ... XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate account 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 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate mu disputes regarding inaccuracies in my credit report. Despite my submission, Transunion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U>S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U>S>C> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 20250CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Violation of the Family and educational rights and Privacy Act of 1974, 20 USC 1232g,34 CFR 99 ,5 USC 552 a
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have sent over several request to Experian in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation. 


The company has already exceeded the time allowed to address the concerns. 
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My name is XXXX XXXX and I have been harrassed by Exter Finance for over 7 months of non paymnet and asked for more money over the phone againt my account after proven I never missed a payment but has in fact over paid on my account. All phone calls are recorded and their are managers stating I have overage amounts waiting on my account but each day they were calling like XXXX times a day an sending threatening documentation to repossess my vehicle which I told them was stressing me out they did not care. I have given them every fax from my bank showing over payment from bill pay an yet they do not update my account but continue to harass me. I would like this stop and my account reported to XXXX bureaus as always being in good standing as well as reflecting on my statements of over payment. I think I should also be compensated for there neglect to human negotiations an respect for me as they attracted my character and integrity. My payment is only XXXX ... I have alays over paid.
Product: Checking or savings account

On XX/XX/XXXX opened a Bank of America checking account with a {$150.00} bonus offer for 3 consecutive direct deposits. I have made 6 direct deposits as of this date they were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in the amount of {$500.00}. I have called customer service on numerous occasions and been given the run around first told it would be in my account on XX/XX/XXXX then again on XX/XX/XXXX, still nothing. I feel that I have more than done what I was obligated to do. I want my {$150.00} deposited into my account!
Product: Checking or savings account

I filed a dispute for charges on my account on XXXX totaling {$480.00}. I did not make this transaction, and it is my belief that my card information was compromised. I submitted the appropriate forms with the bank stating I did not make the transactions listed. I tried reaching out to the merchant to see if they could verify the transactions and attempt to report the transactions. The merchant was unable to verify the transactions. The bank denied my dispute stating they needed additional information for the dispute and stated the decision was final. I am unable to find additional proof that the charge was fraudulent. I lost a lot of money that day and the bank has not been helpful in helping me recover my lost funds. No follow up on their investigation was included and their lack of reasons why my dispute was rejected is frustrating.
Product: Credit reporting 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 or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am concerned as to the action in which I have written a check and It seems there are times when the check does not show in the account by the end of a business day, as in Nevada we would be the last time zone with wells fargo so If a check was presented that day I should see it in the account by no later than XXXX or XXXX that day. As I have a savings with wells fargo so there are times I need to be able to see the transaction and be able to transfer the funds for the check immediately into the checking to maintain the accounts due to it sometimes taking from several days to be presented and at times immediately which is very contradicting and when these checks are showing up in the account it varies from XXXX at night to early morning hours such as XXXX and so on. I was told by a wells fargo associate that if the account was to reach negative status that a customer has until XXXX the next business day to transfer needed funds for checks or debit transactions to avoid fees. In which because I have a savings account linked with my checking is no problem as long as I can see that the check or debit is in the account. It seems when the checks are being presented in the account I am being charged a fee immediately without time to transfer those funds or deposit any funds needed without notice and due to the strange hours it had made it quite difficult to do so or at times no I have noticed no processing time as it was if someone had taken it in to the bank itself and cashed it when in fact it was presented through business most recently on XX/XX/2020 where I submitted 2 checks to waters edge in which the manager XXXX told me she deposits at the end of day which was a friday into her account with her banking establishment. I wrote the checks around noon that day in which by the time she did her deposit with her company at end of day the checks were already in my account as if she walked into the bank and cashed them. I can not even go too the bank and deposit a check into my account and have funds immediately available from another bank or company and I had been charged 2, XXXX fees immediately. I have had several incidences like this over the past few months in fact speaking with someone in trying to get an answer as to why at strange hours like non business hours the checks would be showing up and the inconsistency of the timing presented as well and as to why I am not being allowed the specified period of time allowed to transfer funds or deposit to correct any issues and avoid those fees when able to do so, I have yet gotten any answers as to why this is happening as it is but feel as though it is a way for wells fargo to RIP off their customers rather than work with and build with those of us whom have stayed loyal and continued to do business especially through trying times and goin through a pandemic such as covid. I have had several incidences where this has occurred more such over the last 6months and can provide more information if needed and have only included specifically the date if the most recent incidents.
Product: Consumer Loan

I paid off my vehicle XX/XX/2014, to Santander Consumer USA account number # XXXX the account is reported negatively on XXXX as a write-off. When I paid for this vehicle in full.
Product: Debt collection

XX/XX/2015 I received a notice from ERC collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called ERC and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
Product: Debt collection

Continue to call my home phone I have no debt. Phone # that comes up is XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$980.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

XXXX XXXX XXXX for the vehicle was sent to XXXX when XXXX XXXX receive and cashed their check in XXXX of this year. They would not have sent XXXX XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Equifax to find out about the resolution of a dispute that I could not view online, a derogatory mark of bankruptcy that is on my credit report. I explained to them that XXXX removed the negative remark from my credit report and that I wanted them to do the same. Equifax removed the derogatory remark from my credit report and then put it back on my credit report because it shows they did. So how is it that they cant remove it, which is what I was told. They explained that the mark would stay on my credit report for the full 10 years. It has been 9 years. I explained to them that the law says 7-10 years it will stay on your credit report, not just 10, and if one credit bureau can remove the mark then the other credit bureaus have the same ability. I have gone on their website to submit additional disputes and now there website is telling me that I cant file another dispute because my information that I'm entering in about me is inaccurate, which is COMPLETELY incorrect. I have tried to go through XXXX XXXX to submit a dispute in regards to this derogatory mark still being on my credit report and all there website does is redirect me to Equifax. I have called and spoken to several managers at Equifax to get this issue resolved and have had no avail. This mark has been on my credit report for 9 years. It's time for it to be removed. I have re-established my credit with credit cards, 2 mortgages, personal loans and several other lines of credit and have had them all in good standing. I have paid my debt for not being a good consumer initially and now that I'm responsible this should not be something that continuously holds me back from lower or better rates and or less interest paid on monies borrowed.