23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a balance transfer of {$8000.00} with my Citi Credit Card on XX/XX/year>, as I believed the 0.99 % APR was a 12-month promotional balance transfer offer, not a daily rate. I was unaware of the accumulating interest and facing financial hardship. I kindly requested a waiver of these interest charges as a goodwill adjustment, but they declined. They said the APR should be 24.49 %. 

I have been charged three different interests for the last 19 months, and I don't know what they are : balance transfer fee, balance offer fee, and XXXX. Citi only briefly explained that those are balance transfer-related fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decide to purchase a vehicle for my wife but found that my information was misused by the credit finance company Exeter Finance LLC. I disputed the information with all 3 credit agencies. Still there has been no change. Im a twin but the information that was used belongs to me. I called this auto finance company twice trying to work the situation out but it didnt work. 

I even went to the car company XXXX XXXX located in XXXX, Illinois they wont nothing to do with the situation. They also told my twin it needed to be refinanced.
Product: Credit reporting or other personal consumer reports

I am having issues with Experian and XXXX, things that should be removed, disputed, they're not, all they care about is asking money for membership, once you don't pay anymore, all the negative stuff go back to my report. They put whatever they want and I have no right to remove them, how is that fair. You should modify this system, we are now in 2025 it's time to give us a break.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXXXXXX XXXX on XXXX I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe where reporting in error. 


XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, 2021 ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COLLECTION XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, 2021 ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to TransUnion, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Experian, The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX with account number.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } IDENTITY THEFT ; using my identity to report inaccurate information FRAUD This account has the wrong balance and the wrong month term I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a proper investigation into my dispute and continuing to report inaccurate information on my credit report. Attached is a copy of the legal notice sent to XXXX XXXX regarding this matter. If Experian does not remove the inaccurate account information from my credit report based on the evidence I have provided, I will proceed with filing a lawsuit against Experian for non-compliance with the FCRA. 

Specifically, you are reporting inaccurate late payments, an inaccurate loan balance, and an inaccurate loan term. Additionally, I have provided correspondence from XXXX XXXX stating that the reported loan term of 40 years is incorrect and should be 30 years instead. 

You are in violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
Please address this issue promptly to avoid further legal action. I have also attached a copy of the XXXX report showing proof that this account is not in compliance with XXXX standards XXXX 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. Lastly, credit reporting agencies are required by federal law to obtain a consumers consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name. 

Enclosed are copies of ID and proof of mailing address. 

Sincerely, A COPY OF THIS LETTER WAS ALSO MAILED ON ( XX/XX/year> ) TO Experian. 
A COPY OF XXXX REPORT IS ALSO PROVIDED SHOWING ALL INACCURATE INFORMATION THAT IS REPORTING ON THIS ACCOUNT. 

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

LEXISNEXIS is reporting inaccurate public record information to the consumer reporting agencies that is a private matter and I never gave permissible purpose to report this information.
Product: Payday loan, title loan, personal loan, or advance loan

We are dealing with MOSAIC Financial Services Company. We wanted to pay off the loan amount early. We received a payoff quote. Once we received the quote, we returned the payoff amount without delay. Once we paid the amounted quoted, the finance company sent another statement indicating that we needed to make additional payments of {$120.00} and {$150.00}. Which is a concern. We addressed this with the company, but they did not give us a reason for the additional amount. Also, we have another concern. In the statements there was another charge for late payment. Which was a problem, because we had agreed with the company to have the payment automatically deducted from our checking account to reduce the amount of interest paid. The amount the finance company was asking us to pay was {$1100.00} and {$3800.00}, We addressed this with the finance company, but they refused. I have one statement to attached, but was unable to retrieve the other because the finance company shut down my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX made purchase through XXXX proceeded to check out was asked if I wanted to be approved through affirm, I was approved and stated my account would be transferred to affirm. Next day my XXXX dollar purchase was with drawn from my own personal account through XXXX. I alerted affirm and XXXX! XXXX stated XXXX said purchase was accurate even after i provide transactions from my bank .I provide transaction numbers to both parties showing where it had been taken from my personal account.. I spoke to XXXX representative stated they saw where they had came from my account but could not contact affirm I needed to. XXXX will not cancel the loan because they stated they had sent funds to XXXX. They need to verify the account and neither party has every time i reach out and it has been disputed with the collection agency and they stated affirm confirmed account but did not provide record of this
Product: Credit card or prepaid card

Barclay Aviator Mastercard issued me a bill where the total does not add up to the transactions shown on the statement. This is simply a math problem with their statement ( copy attached ). I contacted the card issuer and they informed me that their computers would not make a mistake and the math does add up. When I pointed out this is demonstrably false, they asserted that they did not have access to my printed statements. They then changed their opinion and suggested I needed to include 9 charges that are not shown on the statement, but would be provided at some time in the future, in order for the math to add up.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl I made a deposit to an atm at Chase bank of cash. The amount was {$5700.00}, all hundreds. The machine said error, took the money, and never sent confirmation of deposit. I made a claim with Chase but they said the money may be credited while they investigate but that could take 10 business days. I need the money quickly for my rent and textbooks as I am a XXXX.
Product: Credit reporting or other personal consumer reports

I recently opened a credit card on a Barclay's/OldNavy account to take advantage of a discount if opening the card and making a purchase the same day. 

When I recieved the physcial card in the mail, I attempted to go online to make a payment, but the charge from a few weeks before hand had not posted on the account and I was unable to make a payment at that time. 

I checked back a few times afterwards, and the online payment system still had not updated to reflect my purchase, or to allow a way to make payment. 

Then a 30 day late payment posted to the credit bureau. 

When I went to the website, there were ways to make payments on the phone or on the website via various modern and efficient electronic means. 

When I finally located the dispute section of the website, the only means of communication was via US Postal Service, or Fax Machine. 

When I contacted customer support, they were unable to address the issue, and simply referred me to the postal address or the fax machine, and were unable to supply even a more direct email or phone number to an actual person or manager over the dispute department. There was no person on the call center to handle disputes, thus there was no way to directly discuss the issue, or remediate it other than these archaic methods ( blindly sending financial information through the mail, or locating a fax machine somewhere to fax the complaint ). 

The lack of support and suggesting that I try to locate a fax machine in 2024 is not an acceptible means of communication when compared to the multitude of instant options they have available for recieving payments.
Product: Credit card

On XX/XX/XXXX, I purchased a auto warranty for {$3600.00}. I was told by XXXX XXXX at XXXX XXXX Protect that I could get a full refund within 30 days of my purchase. I then decided I did not want the policy and I told him to cancel my policy. I then disputed the charge with my Citibank Credit Card. Unfortunately, I then settled the dispute thinking that XXXX XXXX XXXX would keep their word and refund me the money. It has been over three weeks, and I have not received the refund. Citibank told me that I lost all my rights to reopen the dispute when I settled the dispute. I had no idea that I was forfeiting my rights to dispute the charge. Is there anything I can do?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments on my credit report : List Name of the accounts with late payments along with their account numbers. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto 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 : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it 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 ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Also, I'd like to point out that you are reporting inaccurate information on my consumer report. 
( a ) Privacy obligation policy It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; 15 U.S. Code 6801 - Protection of nonpublic personal information : ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
Delete the student loans from my consumer report. I did not give my written or oral permission to put them on my consumer report. Failure to do so in XXXX days will result in legal civil action. 
Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file with you has been compromised. I was going through my records & noticed many files which do not belong to me. I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me are listed below. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The was a total loss insurance sent company a check paid full. Company reporting the account as charge off. Fair Credit Reporting Act This law requires that inaccurate information on a consumer 's credit report be corrected or deleted within 30 days of a dispute. The statute of limitations for filing a lawsuit is two years after the violation was discovered or five years after the violation occurred
Product: Checking or savings account

I have an account of XXXX XXXX  and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend XXXX  account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.
Product: Checking or savings account

I received a email that a account with TD bank had opened with my name and email with the account number ending in # XXXX. I called them and close the account. However this isnt the first time this has happen with TD bank this is unacceptable and I feel like its one of the bankers that stole my SSN and name and email because of my Target Credit Card which is a TD bank backed credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with disabilities, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be XXXX basedespecially for security. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Status states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. 
XXXX XXXX XXXX XXXX Status states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. 
XXXX XXXX XXXX XXXX XXXX From XXXX This account reflects 3 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX. This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX  XXXX From XXXX This account reflects 9 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX  XXXX From XXXX This account reflects 9 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX This account does not belong to me. This is non-factual reporting Please remove this account.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have paid off my debt in full with CITI bank you has REMOVED this account # XXXX from my credit report completely. Now XXXX - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of citi bank who states NO SUCH account is in their system anymore! 

XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$18000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX