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

Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XX/XX/XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. Equifax says verified on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Amsher Debt Collection, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have contacted both Experian and XXXX numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( Experian and XXXX ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XX/XX/XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX. 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.
Product: Credit card or prepaid card

We received a {$50.00} PNC prepaid/gift card for taking part in a study. The documentation we received stated that there were no ATM withdrawal fees from PNC ATMs, so we went to one nearby and withdrew {$40.00} ( multiple of {$20.00} ). They charged us a {$2.00} fee anyway.

You can't call them because they charge {$2.00} to talk to an actual human. You can't go to a teller because they charge {$5.00} for any sort of teller-related service with these cards. 

It seems pretty clear to me that the entire prepaid card business model is built on extractive hidden fees, fees for basic services ( like customer support and teller services ) or stealing money from people for failing to use the card within a specified period of time ( in the case of gift cards specifically ). It's insane to me that you all allow this business model to continue to exist. What is the CFPB even for?
Product: Debt collection

This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX
Product: Credit reporting or other personal consumer reports

Experian credit bureaus is XXXX towards XXXXAmerican people that have good credit and they try to find a way to keep in accurate information on your credit report. By not complying with disputes when they are first filed The law dont require for me to comply with the mail that you just sent in the mail will not comply to the mail. I will not respond to the mail. The mail will fully be ignored. Were going to handle this XXXX through this department complaint and that is Brushing this XXXX up underneath the rug and remove this XXXX what happened to the first dispute that I fell on in accurate student loans reopen the XXXX complaints Do your job XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit card or prepaid card

I received an email on XX/XX/2018, inviting me to upgrade from my no-fee Citi Thank You Preferred card to the Citi Thank You Premier Card. The Premier card has a {$95.00} annual fee, but the email stated multiple times that the annual fee would be waived for the first year.

I took advantage of the upgrade offer via Citi 's website. 

On XX/XX/XXXX, I received a letter with the terms & conditions of the Premier card. It stated that I would be billed a {$95.00} annual fee " on the next statement issued after XX/XX/2018 ''. 

I called Customer Service to explain the problem. They told me that the annual fee can not be waived. I explained the email that I received but it did not change their decision. 

I then asked them to switch me back to the no-fee card I had before. They began that process and started reading the terms & conditions. They got to a term that stated that I was required to keep the no-fee Preferred card " in good standing '' for 1 year, and if I did not, that I would be switched back to the $ XXXX/yr Premier card and billed the annual fee. 

I refused to agree to that term, for obvious reasons. They said that if I can't agree to all terms, then they can not switch me back and I will be billed $ XXXX/yr for the Premier card. 

That was the end of the phone call.
Product: Checking or savings account

I had an account with Wells Fargo was charged in fees where I was force to close account could not afford to keep it open
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 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian 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 generallf, after any reinvestigation under paragraph ( XXXX ) 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: Payday loan, title loan, personal loan, or advance loan

This loan is illegal in the state of South Dakota it charges over 400 % interest which cause financial hardship and bankruptcy in the people who use evergreen loans services. This loan company is lending illegally online in the state of South Dakota on tribal land under the pretense of a installment loan but it is a payday loan and this loan and this company is violating federal and state laws lending in South Dakota this loan company also is violating the rico act and I call on the federal government to investigate all tribal loan online lending practices and the interest rate they charge causeing long term harm and financial hardship and bankruptcy to the citizens of the XXXX. I revoke all signed agreements and documents with evergreenloans this is an illegal loan and I am not a XXXX XXXX I am a citizen of the United States and under federal law and jurisdiction. I call upon the XXXX government to stop these predatory loans and help us because this is ruining good peoples lives.
Product: Debt collection

This is regarding a formal notification we received from a collection agency, EGS Financial Care , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Phone # XXXX ) for Creditor - XXXX, Shipper # XXXX dated XX/XX/18 amount of {$550.00}.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/year>, XXXX XXXX XXXX ( Bank ) XX/XX/year>, XXXX - XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately
Product: Vehicle loan or lease

I had a car from XXXX XXXX and I got really sick and couldn't afford the car and I called the company and told them I couldn't make the payments anymore they told me to take the car back to the dealership and drop it off this was 2017 now they are calling me for XXXX dollars
Product: Credit card or prepaid card

Upgrade Card is refusing to close my account and provide documentation that the account is closed. Initial request was sent XX/XX/XXXX and email was received that the account closure will take 5-7 business days. It is not XX/XX/XXXX and the account still shows as being active with each representative stating that the account is being in the process of being closed without further elaborating or providing documentation it is being done just that. I have spoken with three different team leads on eddy - XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX who all refused to provide immediate documentation that the account is closed but insist it is being in the process of being closed. 

I am at my wits end here and have exhausted all possible avenues on getting this resolved with no changes made from Upgrade 's side. Please note the account has been fully paid since XX/XX/XXXX and have not been used since.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX XXXX  I was furloughed and called Wells Fargo to explain the situation and needed to forgive my XX/XX/XXXX payment. I was promised I would not have to pay that month and it would not affect my credit. Once I returned to work I paid double the next month and included the interest for the late fee. To my surprise Wells Fargo did not keep their promise and reported to all the credit bureaus I was late. I have never been late since the time I have had the loan in XX/XX/XXXX and the one time a XXXX XXXX needed a delay in payment due to the government shut down they treat their long standing customer with so much disregard as if I control the government. 

I have called multiple times and wrote multiple letters to get this removed. I will attach a letter sent XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I have reported this law office 2 times already. I have called them twice and told them I am not the person they are looking for. This person was married to my brother almost 30 years ago. She has NEVER lived with me or been at this phone number. I have told them this. I have not seen or heard from this women in 30 years. They stopped calling for a while after I filed the last complaint but today they started again. XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed out letters to all XXXX credit bureaus that prompted them to respond within XXXX days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all XXXX bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.
Product: Checking or savings account

Citi Bank is offering a cash bonus for opening a checking account between XX/XX/year> and XX/XX/year>. The terms require you to fund your account within 20 days of account opening, make a qualifying deposit of {$5000.00} or more in New-to-Citibank funds to eligible accounts and maintain your balance XXXX consecutive calendar days after the funding period. 

Following the account opening on XX/XX/year>, with a substantial deposit made on XX/XX/XXXX, I promptly reached out to Citibank representative XXXX XXXX on XX/XX/XXXX after not receiving the bonus. Despite assurances from XXXX, the promised bonus remained elusive. 

Subsequent attempts to resolve the issue included a voicemail left on XX/XX/XXXX and further correspondence on XX/XX/XXXX, where XXXX promised to submit a request to address the matter. However, subsequent follow-ups on XX/XX/XXXX and XX/XX/XXXX revealed that no such request had been made, contrary to XXXXXXXX XXXX assurances. 

Disheartened by the lack of progress, I escalated the matter by contacting Citibank 's toll-free number on XX/XX/XXXX, only to discover that no dispute had been initiated by XXXX, despite his claims to the contrary. This disconnect between XXXX 's promises and the bank 's records only added to the frustration. 

Despite continued attempts to seek updates and resolution, including text messages and voicemails on XX/XX/XXXX and XX/XX/XXXX, XXXX has remained unresponsive. 

This ongoing issue not only highlights the breakdown in communication between Citibank representatives and their customers but also underscores the importance of timely and accurate follow-up in resolving customer concerns. 

Based on the terms of Citi Bank 's promotional offer and the amount deposited into the account, a cash bonus of {$750.00} is due.
Product: Mortgage

I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before.
Product: Credit card or prepaid card

Hello, I used to have a XXXX XXXX XXXX XXXX credit card with Chase from XX/XX/XXXX until XX/XX/XXXX, when account was closed. I no longer have neither credit card nor any statements, but do have numerous emails from Chase regarding this account and many receipts, including few with the full credit card number. 

Recently the XXXX XXXX XXXX Customer Service sent me a refund to that account, which was processed successfully on XX/XX/XXXX. When I contacted the bank, they said I never had any XXXX XXXX XXXX credit card with them. When I gave them the full card number, they said the number is invalid. I contacted the Customer Service, Fraud Department, XXXX XXXX ( XXXX XXXX XXXX multiple times, to no avail. Also sent several faxes to the Fraud Department fax number with all relevant information. 

Also unable to log to Chase website at this time ; getting message " your account was locked due to unusual activity ''. 

This all is highly unusual, and I'm suspecting some sort of fraudulent activity or identity theft. How is it possible that the bank no longer has my account information just six months after its closure? Not to mention that I still need to get the refund. 

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

XXXX XXXX and equifax have allowed my credit to be pulled 106 times within two months
Product: Vehicle loan or lease

On XX/XX/2022, I sent affidavit with recision of contract to my finance company XXXX XXXX XXXX, due to the FDIC rules and regulations that were violated with my contract through the dealership. I'm enclosing all documents and correspondence I've had with them. They sent me a response on XXXX with my contract saying I signed the contract so I had to pay. They then sent another letter on XXXX that suggest my rescission of contract was a scam and that I was still liable for the remaining balance. On XXXX they sent me a repossesson letter for balance of {$4100.00} by XXXX. I then sent them a XXXX form on XXXX but I forgot to sign the back so I sent another one on XXXX that was signed on the back along with a XXXX form. They then responded back with a letter XXXX saying a XXXX form was for a mortgage and my debt is not cancelled or paid or forgiven by the United States Treasury department. That's why I'm filing complaint with you. I'm trying to upload all of my documents but it's not letting me do it, can you please send a email or portal to send my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account from Navy Federal showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to Navy Federal and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and XXXX, however, are saying that Navy Federal says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.