23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am submitting this complaint on my own behalf to address an issue with a Consumer Reporting Agency named EXPERIAN. On or about XX/XX/XXXX  I submitted XXXX  documentation that determines that I am a victim of XXXX  and the Identification of the negative information that resulted from XXXX. Specifically I provided a XXXX  Victim Letter, Self Attestation, Proof of Identification from a state governmental agency and a Proof of Mailing to EXPERIAN. to have information that resulted from trafficking to be expunged from my Consumer Report. As of XX/XX/XXXX  EXPERIAN continues to negligently furnish the adverse information that Is result of trafficking and it is causing me stress because I am attempting to move on from the damages I have received due to the XXXX  and it still continues to haunt me through my consumer reports and it prevents me from extending my consumer credit. It is not fair for a consumer to due everything in their power to address a Consumer Reporting Agency to uphold their grave responsibility with fairness and for a Consumer Reporting Agency to continue to act negligently. After Five Buissnees days of Submitting the information to Experian I have not received a request for more additional information. This is stressing me out and its also taking affect on my household. I am unable at this time to obtain household goods and services for my family due to this adverse information. Experian has been operating negligently and it's causing me damages. I can't sleep probably, I'm constantly crying, my children are worried and feel hopleless as they are unable to help me in my situation. I also feel drained and tired and feel like giving up as I am trying everything in my power to move on but its so hard with this adverse information haunting me. its making me depressed. I informed my doctor about the situation and they've suggested I see a XXXX  and made a referral to do so. I am hoping that the XXXX  can help me proceed forward. I have also been prescribed XXXX  to deal with the emotional trauma but I never began using them as I don't want to have to depend on them as that may lead to addiction or ungodly habits. I am in fear of my life aeveryday and I am trying to fix my financial situation so I can provide myself and my family a better life so they never have to endure the thing I have. Please help. I have attached the information I have shared with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called XXXX  and Experian ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my XXXX  credit 32 times and my Experian credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX - Account was not XXXX past due date when paid XXXX XXXX XXXX - Account was paid after charge off for a sum agreed to by account holder and needs to be removed XXXX  XXXX XXXX - Account was paid in full after charge off and needs to be removed XXXX XXXXXXXX XXXX - Account was paid in full after charge off and needs to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Charged off. Paid a sum agreed to by account holder XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX et XXXX The FCRA mandates credit XXXX agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. 15 USC 16811 - XXXX to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report XXXX requests a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information, The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid my Cabelas 's Club card balance in Full on XX/XX/2023. On XX/XX/2023 Capital One charged me {$170.00} in interest. I talked to Capital One on Saturday XXXX XXXX without success. This charge is outside of my agreed upon terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.CFPB has all already filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2023 I contacted Bank of America to report fraudulent transactions that were charged to our account and I waited over XXXX hours on hold and nobody answered the phone- I was on hold for an indefinitely. The next day I sent an email to XXXX XXXX, Vice President of Bank of America Small Business, and he did not respond to my email. I sent two more subsequent emails on Monday, XX/XX/XXXX ( three total ) to XXXX XXXX explaining that we have fraudulent charges on our account and that our card is compromised, with new fraudulent charges hitting our account almost daily, but nobody from Bank of America was responding so we could not close our account to stop these charges from occurring. He ignored all three emails submitted. I then called him XXXX times on his office number and he did not respond to those calls either. I called the main XXXX Department phone number again on Monday XX/XX/XXXX to try and report this same issue, but nobody picked up after XXXX minutes on hold ( having been on hold already for XXXX hours on XX/XX/XXXX ). 

Bank of America 's non responsiveness is directly affecting our account and they are perpetuating the fraud which is plaguing our account by failing to take action - or even respond to - our fraud complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again. 
But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - Discover Financial Service, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( tel : XXXX ) - XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX./XXXX  XXXX  XXXX XXXX XXXX XXXX., XXXX, WI XXXX ; and - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX.
Product: Credit card

Since XXXX, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all XXXX of my credit bureau reports-XXXX, and XXXX. I first disputed this issue with US Bank directly before submitting my online disputes with the XXXX, and XXXX 

I spent approximately {$40.00} in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of {$2000.00} with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports. 

I have exhausted my efforts with disputing this directly with the creditor, and the credit reporting agencies. It keeps coming back as verified. This is unacceptable and I would highly appreciate it, if US Bank would remove their credit card account off of my reports immediately. 

This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. 

I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. 

If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. 

I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of {$2400.00}. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. 

Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority.
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2018 I received several emails soliciting a Personal Loan via this Internet Lender. I fill out needed application and received a phone call from a female Representative of Amplify Funding. She ushered me thru the Loan signing process, claiming that she needed to get this done Quickly, If I wanted to get the Funds the same day and not have to wait until the following Monday. She put me on hold and shortly return with a {$750.00} Loan Approval ... ..half the amount of what I requested. ( {$1500.00} ) While we were reviewing the Terms of this Repayment, I complained that the monthly payment was very high at {$250.00} and she responded in saying that " I realize that this is an expensive form of borrowing, this is why we encourage you to pay the Loan of as soon as you can '' After struggling with the decision to move forward with this expensive Loan repayment, I decided to move forward with the Loan ( Dictated by my circumstance ) and that I would repay the loan on my next Pay Period ( 30days ). As a result, with in 10 days Amplify Funding was attempting to draft Funds out of my Account, when I called to ask why they are drafting Funds out of my account already ... ... I was told that my payment of {$250.00} which I adamantly argued was ridiculously high for a {$750.00} Loan was actually a Bi Weekly payment and not a Monthly Payment ... .and I was blown away. Amplify Funding 's Female representative had ample time to disclose this information to me regarding bi -weekly payments ... ... especially since I made such a fuss about the payment being to high and borderline Predatory. I was never told that this would be $ XXXX monthly Interest on a {$750.00} Loan ... ... this is totally unacceptable in terms of a repayment agreement ... ... I am paying back 68 % of the {$750.00} Loan in less than every 30 days.

How in the world is this Legal ... ... I am hoping that the CFPB will assist me in gathering the recorded conversation of this call ... ..and review the Representatives neglect to inform me ... ... of the Actual Terms of this Loan. By the time I was able to go back and review documents ... .money had already been transferred into my account and I could not get anyone to answer the Phone # I was given. I was rushed through this process ... ... and not made totally aware of the actual terms of this Loan and its repayment.

Please Advise ... ...
Product: Credit card

We have a XXXX American Express Card and we get an annual rebate on XXXX Purchases made with the this card. We have switched all of our statements to be received electronically and so we do n't get any statements. Last year, we were in the process of moving and they sent a paper statement with a rebate of over {$1100.00} to our house. I am not sure if we ever received or if the statement was thrown out opening since we have everything electronic and it may have looked like junk mail. Either way, we never used the rebate check. As I said, we were busy moving and realized in XXXX that we never got the rebate. We spent hours on the phone with both Amex and XXXX and they both said that it was too late to do anything. Amex credited {$41.00} of the {$250.00}! I complained and said that they should automatically apply the credit instead of sending a physical check, especially when you do n't receive statements. They said that was possible but you have to call them in advance to make that change. They were not helpful at all. That was money that we earned from spending a lot of money at XXXX and we get nothing in return! My recommendation is never use this XXXX Amex Card!
Product: Credit reporting or other personal consumer reports

Pursuant 18USC8 i do not owe any debt. Midland Credit Management is violating my consumer rights to privacy. This company is not licensed and bonded to collect in the state I reside in, WA state. Please delete immediately
Product: Checking or savings account

Citibank keeps saying they can not close my card because my security question 's answer is not correct. The security question is my mother 's maiden name, so the answer must be correct. The customer representative asked me to go to a branch to close it, which is XXXX XXXX  miles away. My checking account number is XXXX, there is XXXX balance on it. The reason I want to close the account is they charged me XXXX dollar monthly fee even I fulfill their requirement to waive the monthly fee.
Product: Payday loan, title loan, personal loan, or advance loan

I am being charged a 119 % interest rate for a loan I was told to apply for at a XXXX store in XXXX, FL in order to fix my car. I have been paying a loan for {$1400.00} for over a year and I still owe over {$1000.00}. 
Now that I do research, I find out there is a lawsuit against this company, Easypay Finance where they are trapping people into predatory loans.
Product: Credit card or prepaid card

I applied for another credit card from my existing bank where I am a long time and premier customer. The application was submitted  XXXX   XXXX  online and I received email confirmation indicating that my application was received and will be processed. If for whatever reason the application was denied, I would be provided a verbal explanation. If there were no isssues, the card would be sent with in 5-7 bu siness days. On Monday  XXXX   XXXX , I called the bank inquiring about the card because I received mail about my fico score ( above  XXXX  ) and I check on my online banking and it shows the new credit card as {$0.00} balance and part of my account summary. Because I had received  the credit score notific ation and saw the card on my online banking, I assumed that the card was approved however I had not yet received it, which was concerning. When I called  Wells Fargo  on  XXXX   XXXX , I was told that the card was not sent yet but since I a a premier customer it can be shipped to me in 2-days free of charge. I sai d ok. Today I re ceived a  XXXX  package with the wrong card. They sent me a replacement card from  XXXX  of my existing credit cards that I did not ask for. I just called  Wells Fargo ri ght now,  XXXX   XXXX , to indicate that the wrong card was sent and that I am greatly concerned about the Visa that I have still yet to receive. She indicated that the card was sent on  XXXX   XXXX  and that the banker I spoke to on  XXXX   XXXX  was incorrect.
Product: Debt or credit management

I received an advertisement and offer to apply for a loan in the mail. When I applied on the company 's website, a company representative contacted me by telephone to advise I did not qualify for a loan, but I did qualify for a Debt Resolution Program. The representative explained the program, which was a debt settlement program. This was a bait and switch ; the company targets and advertises loans to consumers only to offer them debt settlement services afterward. I suspect this company doesn't provide loans at all as advertised ; rather, they likely only offer debt settlement services, which are not advertised.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency.

The incorrect details are as follows:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
INQUIRY - XXXX XXXX XXXX XXXX 

The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial wellbeing. I believe it is crucial to rectify these errors promptly.
I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my
claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to: Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act (FCRA), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

After 3-4 episodes of re-opening dispute for undelivered service, Citibank doesnt want to resolve it in our favor citing different reasons : peruse credit from service provider via legal action, truth in landing act limits the amount of claim for paid in full charge, and lately the claim is too old We tried to dispute {$1600.00} charge from appliance repair company. That company not only undelivered promised service, they still keep our wine cellar in their premises. During transportation, their vehicle got into accident, damaging our wine cellar beyond repair. They sent us supporting image via phone text and cancelled delivery. At first, business owner promised a compensation at the amount of {$2800.00} ( text messages are available ) but later stopped communicating and all our attempts of further contact were unsuccessful. 
When we realized that we cant resolve this matter with service provider, we contacted our credit card company and they didnt mention that it was too late to dispute transaction until recently. The correspondence with Citi bank lasted 3 months.