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

I am filling this complaint because Experian has repeatedly failed to to comply with there legal obligations under the Fair Credit Reporting ACT ( FCRA ). Specifically, they have violated. : 15 USC 1681 e ( b ) : Failure to maintain the accuracy of my credit report. 15 USC 1681 s-2 negligence in ensuring the funisher of information comply with there obligations :15 USC 1681 i ( 5 ) failure to reinvestigate disputes and remove inaccurate information : 15 USC 1681 c ( c ) inclusion if obsolete information in my credit report. I have sent mutiple dispute letters to experian, but they have either to failed to conduct proper investigation of reinvedtigation of out right ignored The evidence I provided. To make matters worse i have learned about the recent CFPB lawsuit against experian CFPB sues experian for shem investigations of credit report errors with highlights of neglecting consumers rights by failing to remove of properly investigate errors in credit reports This issue has significantly impacted my ability to access credit housing and employment opportunities, causing me financial and emotional distress. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian responded information was accurate. Impact on me ; As a result of experian non-compliance my credit score remains inaccurate, affecting my ability to to get a loant secure housing etc. I have beem subjected to undue stress and financial hardship. Request Resolution : 1. Require experian to fully investigate and correct the inaccuracies in my credit report 2. Imposed penalties on experian for noncompliance with there legal obligations FCRA provisions. XXXX. Ensure that Experian implements proper procedures to comply with their obligations. I am attaching all relevant documents to support my clam
Product: Vehicle loan or lease

I have attempted to contact this company regarding the closed account payment history. The company is reporting inaccurate payment history. I have attempted to contact the company to update the payment history to reflect a positive history. The company has continuously requested copy of said credit reports reporting the negative payment history. I have sent them copies of the credit reports to only receive yet another letter requesting the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 TransUnion : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Product: Mortgage

I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.
Product: Bank account or service

Direct express debit card company owes me XXXX dollars for breach of agreement for delivering my new MasterCard beyonthe two bussiness days express XXXX starting from issue date XXXX XXXX, 2016.
Product: Credit card

XX/XX/year> on my Fifth Third credit card there were 4 transactions made they took them all off but 1 it was for XXXX for XXXX  I ended up paying XXXX because they kept adding late fees on i have the proof my card was hacked but XXXX XXXX just kept saying it was a legit transaction and wouldn't do any more investigating even though I continued to re open the case
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  placed a collections XXXXXXXX XXXX   on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedures which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. Equifax Mortgage Services 2. XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes Equifax 's company policy. 15 USC 1681c-2 establishes what, I, the consumer must provide you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled on XX/XX/2022 by XXXX XXXX with XXXX XXXX without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry from XXXX XXXX - XX/XX/2024
Product: Vehicle loan or lease

I was forced to buy a car at XXXX XXXX in XXXX XXXXI tried to leave but 2 people came after me... I was scared..they forced me to stay for their financing through santander Consumer USA... I received a XXXX XXXX after signing contract ... the contract I digitally signed is different than the terms I was given and signed for ... the payment is over {$20.00} more and the due date changed to 13 days earlier... I requested a late month due date or my payment would always be late ... the finance guy assured me it would be the XXXX or XXXX days from purchase ... it was purchased on XX/XX/XXXX so realistically the XXXX of the month would work with the few days allowance ... when I called santander..they refused to help and said it was what the contract said..I went in to the dealership with a preapproved letter from XXXX XXXX XXXX XXXXXXXX with a rate of 7.99 % ... the dealership refused to use my preapproval and forced me in to the contract with santander at XXXX ... the finance guy said because i got a good deal they needed to recoup some money from financing ... I truly wish I could just go back to my XXXX XXXX that was paid for..I think this dealership and finance company are in cahoots ... i just want my payment amount and due date to be what I signed up for ... the dealeship gave me no paper work ..just a zip drive ... I think that is where everything changes... i signed one thing and once he had my signature ..he changed the paperwork and I didnt know because I had no paper work... it was the worst experience of my life...
Product: Checking or savings account

I opened a checking account with Key Bank online on XX/XX/2018. At opening, I used code XXXX, which promised to give me {$300.00} after direct depositing {$500.00} and making 5 qualified debit card transactions within 60 days after account opening. Full text from the account agreement disclosure is : " OFFER IS AVAILABLE TO CLIENTS WHO DO NOT HAVE OR HAVEN'T HAD A KEYBANK HASSLE-FREE ACCOUNT, OR A KEYBANK CHECKING ACCOUNT WITHIN THE LAST 12 MONTHS. MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. LIMIT ONE GIFT PER QUALIFYING ACCOUNT. LIMIT ONE GIFT PER INDIVIDUAL. THE GIFT WILL BE REPORTED ON FORM 1099-INT. THE GIFT WILL BE DEPOSITED WITHIN 90 DAYS OF MEETING REQUIREMENTS. ACCOUNT EARLY CLOSURE FEE OF {$25.00} APPLIES. OTHER MISCELLANEOUS CHARGES MAY APPLY. ACCOUNTS OVERDRAWN OR CLOSED AT TIME OF FULFILLMENT ARE NOT ELIGIBLE FOR THE GIFT. '' By the end of XXXX, I have made {$1000.00} in direct deposits and 7 debit card transactions ; this corresponds to the offer conditions above. On XX/XX/XXXX, I made a call to the customer support to check if everything is fine with qualifications for the bonus. I was told that I was not qualified because SINGLE deposit of {$500.00} was needed ( there is no such word as SINGLE in the account description ). I called again to say that disclosure conditions shown above do not specify single or multiple direct deposit requirements. Support clerks insisted that the bank implied a single direct deposit in this agreement. Thus, there is substitution of the official terms in the account agreement by implications made to waive bank liability of bonus payment. In the case when parties sign written agreement, the agreement defines rights and obligations, and not subauditions by any of the parties. My offer does not say the direct deposit must be SINGLE or NOT MULTIPLE. It is unworthy for the reputation of the respected bank to ditch bonus payments using ambiguous offers conditions with hidden meaning. I do hope that Key Bank reconsiders its decision and issues bonus for using my money as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted to the CFPB on XX/XX/XXXX. Company response is in progress as of XX/XX/XXXX. Company responded on XX/XX/XXXX, RESPONSE TYPE-Closed with explanation. After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. XXXX XXXX will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2022, I went to the bank to deposit {$300.00} in the ATM. Bank : XXXX at XXXX and XXXX in XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Only {$100.00} was accepted in ATM. So I proceeded to the teller to deposit the remaining {$200.00}. These were 2 older {$100.00} bills that my parents gave me as a gift. 
At the teller, two Chase employees stood behind the counter to help me. As I gave them the money, they told me to press the green button saying I am depositing the money. Trusting the bank, I pressed the green button without reading the prompt and I left the bank without checking the receipt. Fast forward a few weeks and I notice in my bank account, that the money I deposited was counted as a withdrawal. So not only did the {$200.00} I gave them not get deposited, but they also took away {$200.00} as if I withdrew that money. Hence a delta of {$400.00}. I rushed to the bank and asked them to investigate and they took their time : weeks of saying we are looking into this but there is no case or claim number or phone number to ask. I would call, email and visit the branch on a weekly basis and not hear any updates. The corporates chase claim 's investigation phone number they gave me 15 days after picked up once to ask me when I logged the claim and I never heard back from them even after numerous tries to call them over many weeks. Then the branch calls and say they reviewed the claim and I am wrong. I suspect they didn't review it and just want me to give up. Also when I tried calling corporate 's chase or the claim number either no one picked up or they told me to call the branch. I tried reaching out to chase by XXXX messenger and they tell me someone will reach out immediately but no one ever does. 
I go to the bank and ask for the recording, they say they need a police report. I get them one the next day and then 2 weeks later they say they need a subpoena from the police. I call the police and speak with numerous detectives and they say chase is just trying to put this under the rug and delay the process until I give up and that sadly the police isn't allowed to subpoena this and I should contact the CFPB. 
So please help me get my money back. I know I am right and the bank is covering this up or reviewed the wrong recording. I didn't leave the bank with {$200.00}. I walked with {$300.00} and left with {$0.00} but only {$100.00} was counted as deposit and {$200.00} was mistakenly counted as withdrawal Here is the chase claim number : XXXX XXXX Here is the police report number : XXXX XXXX XXXX
Product: Debt collection

In 2007 I had a Home Depot credit card. I have an excellent credit rating and have always paid my bills on time. I had an unpleasant incident at the Home Depot store in XXXX XXXX, Florida where I was met with hostility from the customer services reps. I stormed out of the store and requested to have my credit card CANCELLED. I called them to arrange payments and to request that my monthly bills be sent to me so that I could satisfy my debt. NOTHING WAS EVER SENT TO ME. A few months later, I inquired WHY I wasn't receiving monthly statements, and THEY SAID THAT THEY COULD NOT HELP ME ; AND THAT MY ACCOUNT HAD BEEN SENT TO " COLLECTIONS ''. Not once, did they offer to assist me. Needless to say, I NEVER received any collection letters and the account went DORMANT for many years. I am in my late XXXX now and I received a call from a woman stating that " I owed {$960.00} ''! I told her that I wasn't going to pay a penny until I receive the original billing statement from Home Depot, stating what I owe. I am sure that over the years, they have added increasing fees and interest, without my knowledge. I believe that an account over 7 years should have been deleted from my credit report. However, despite this fact, this account remains outstanding and I am now harassed by debt collectors. I await your response.
Product: Payday loan, title loan, or personal loan

Due to COVID-19, I contacted the company to pay off the balance of the loan. I called several times before reaching a satisfactory agreement. The agreement included 2 forgiven payments and I was told that the loan would be brought current. On XX/XX/2020 I paid off the balance off the " current '' loan. 

Today I find that they reported a delinquent payment to the credit bureau and closed the loan which was contrary to the agreement made. The deliberately mislead me and deliberately attempted to hurt my credit rating. During my attempts to make an arrangement with them, they avoided returning my calls and caused the agreed amount to increase by days before I could pay off the loan.
Product: Checking or savings account

I had inadvertently created a stop payment for a credit card payment, but no one at customer service is unable to cancel the stop payment. Due to this my credit card payment was late. I have submitted this three times. ( XXXX, XXXX, and 3/10 ). I had to transfer funds to another bank as a work around. This is unacceptable. 

Note the customer service chat I am unable to forward since it is within the banking application, but XXXX maintains the chat history. 

Background : Revolut is a fintech company providing digital banking services where the underlying bank is XXXX XXXX XXXX. They refer to an 3rd party initiated ACH payment as a " direct debit ''. I have on 4 occasions now mentioned that the payment was returned due to a Stop Payment that credit card company indicated even when sufficient funds were available. As a test on the same day, I initiated a {$1.00} dollar ( test ) and {$500.00} ( the payment that is being stopped ) and the {$1.00} dollar payment posted, but the {$500.00} dollar payment did not post.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXXand currently now. It 's been less than a year 11 months to be exact and counting coming intoXX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, Security Credit Services, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit againsXXXX XXXX  & the creditors for breaking several FCRA laws.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I applied and was approved for the American Express Platinum Card. The card normally carries a {$550.00} annual fee, for which I had it waived as I'm an XXXX XXXX XXXX XXXX XXXX. XXXX of the major benefits of the AMEX Platinum Card that was advertised was its monthly XXXX credit, for which it stated it would provide a {$15.00} credit each month and {$20.00} in XXXX. I was excited to begin utilizing the benefit as part of the AMEX Platinum Card 's various offerings.

Most credit card rewards and credits work by using the card to pay and then afterwards it being  reimbursed as a credit on the card statement - in fact every card I've ever had has worked in that way. However it wasn't until approximately XX/XX/XXXX that I noticed that I had been charged, without a statement credit or reimbursement, on my AMEX XXXX XXXX each month for the XXXX rides I had since taken with it. 

Upon research, I found that the AMEX Platinum Card 's terms were - in extraordinarily unclear and deceptive fashion - stating that the complex procedure for using the {$15.00} XXXX credit was to choose the XXXX cash as the option when booking a ride, rather than standard credit card practice of reimbursing for payment at the end of a statement cycle like how the American Express Blue Card even did.

In total I had been essentially tricked for months into thinking that I had been utilizing the AMEX  Platinum 's monthly XXXX " credit '' when in fact I hadn't been. It encouraged me to use the card even though it wasn't giving me the reimbursement it had represented it would be giving to me for those XXXX rides - meaning over the course of those 7 months or so I lost approximately {$100.00} in XXXX credit reimbursement that I otherwise should have received. 

As a card that normally charges an extraordinarily {$550.00} annual fee, this is a deceptive and abusive marketing tactic/ploy that equals the egregiousness of said fee. In trying to resolve this with American Express there was no easy option to contact the company, implying that the company makes it difficult for customers to try to resolve abusive practices that the company has inflicted upon their own customers.
Product: Payday loan, title loan, personal loan, or advance loan

On Saturday XX/XX/16 I contacted MoneyLion and asked them to please help me get current in my payments. I took a {$500.00} loan from them and they held {$75.00} in a " Credit Reserve account '' So the loan was {$420.00} with {$75.00} held for me. I fell behind on payments of {$23.00} due to the fact that my checking account was flagged for fraud and some other issues. 

I contacted them to please release the {$75.00} so that I could catch up on the loan payments using those funds. I don't want the money back. I just want to use the funds to catch up. They refuse to release the funds. They said they would only release the funds if my balance on the loan was {$75.00} or less. Now this is my money and this is extremely unfair that they will neither give it back or use it towards loan payments. THey are essentially holding it XXXX!! 

Additionally, they are holding this money that could have made me current and they reported me XXXX  days late to the credit bureau. 

I asked to speak to a sueprvisor on XXXX different occassions and they always say XXXX is not available.
Product: Debt collection

I received a call from Frontline Asset Strategies demand the balance of an account for about 750.00. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only.I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance can't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX.
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
Product: Debt collection

I have informed the agency that I lack the funds and the responsibility for the debt they are attempting to collect. My residence was involved in a fire, and the owner 's insurance company compensated the owner. Now, the insurance company is pressuring me to pay through their collection agency, despite my homelessness and lack of financial responsibility as the tenant. Despite explaining this, they intend to persist in contacting me, evidenced by repeated back-to-back calls, which I have documented with screenshots. I request that they cease and desist from harassing me.