23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have purchased furniture that cost XXXX $ at Raymour and Flanigan in XX/XX/XXXX. When I purchased, I was ready to pay immediately but sales associate has recommended the 0 % XXXX interest offer for 18 months. I was told that 0 % interest for 18 months and 29.99 % after that for the remaining balance. I was asked to signup for the credit card through online. No one mentioned its deferred interest on the whole amount. It may have been in the fine print of terms hidden in the 10+ pages when I signup. 

I did setup XXXX $ auto payment to finish before XX/XX/XXXX. However for some reason additional purchase in XX/XX/XXXX which accounted to miss my promotion dead line of XX/XX/XXXX. I have been paying my dues regularly and supposed to finish the payment before XX/XX/XXXX. Due to additional purchase, there was XXXX $ balance on XX/XX/XXXX. 

Due to this, TD Bank has charged deferred interest of {$1800.00} for the whole amount XXXX $ instead of balance pending XXXX XXXX When I saw the account, {$1800.00} charged as Finance charges i was completely shocked and even it would have been interest charges it would have been 29.99 % APR on XXXX $ balance amount. Once I see this I paid {$1000.00} on XXXX immediately. 

TD bank has never send an alert on the promotion expiry but they include in the statement in fine print bottom of statement. 

I could have paid the whole balance on day one but Raymour sales associate has asked us to use the 0 % API. if i would have got email alert on promotion expiry, I would have paid on the same day. 

I had reached out to TD Bank customer service and asked them to reduce the interest on only balance amount which I am supposed to pay. I got response from TD bank that {$1800.00} interest is correct as per the terms. 

Now I have paid all the interests with XXXX balance to prevent accrual of the over interest again. 

I am raising this to consumer protection to address this over interest charged on full amount.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with EXPERIAN and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.
Product: Vehicle loan or lease

CHRYSLER CAPITAL IS IN VILOATION OF SEVERAL FEDERAL LAWS WHICH INCLUDE 15 US 1681a ( 2 ) ( B ) & 15 US 1681a ( 2 ) ( A ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXXr opened on XXXX of XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, 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 an 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

My name is XXXX XXXX. I paid off the balance with Affirm and sent in all the paperwork stating that it was paid off. They sent the balance to a different company XXXX who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

THIS ALLEGED DEBT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS. I NEVER RECEIVED A NOTICE THAT I COULD DIDPUTE THIS DEBT. WHEN I FOUND OUT IT WAS BEING REPORTED I IMMEDIATELY REQUESTED ALL SIGNED PURCHASE AGREEMENTS FROM RESURGENT/LVNV FUNDING AND FROM ALL 3 CREDIT BUREAUS BUT RECEIVED NOTHING. THIOS ALLEGED DEBT IS NOT VALID NOR HAS IT BEEN AUTHENTICATED BY RESURGENT/LVNV FUNDING WHO HAS FAILED TO SEND ME A NOTICE THAT I WAS ABLE TO DISPUITE THIS ALLEGED DEBT... AND NEVER PROVIDED ALL SIGNED PURCHASE AGREEMNTS FROM ORIGINAL CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries without my approval. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. 

There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 

1 ) 15 USC 1692A.

2 ) 15 USC 1692B ( 2 ).

3 ) 15 USC 1692B ( 5 ).

4 ) 15 USC 1692A.

5 ) 15 USC 1692D ( 1 & 2 ).

6 ) 15 USC 1692E ( 2-a ). 

To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 

1 ) 15 USC 1692B ( 5 ).

2 ) 15 USC 1692B ( 5 ).

3 ) 15 USC 1692A.

4 ) 15 USC 1692C ( a ).

5 ) 15 USC 1692C ( b ).

6 ) 15 USC 1692D ( 1 & 2 ).

7 ) 15 USC 1692E ( 2-a ).

8 ) 15 USC 1692B ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Money transfer, virtual currency, or money service

I tried to put 1000 XXXX dollars in a crypto currency company called coinbase. They said that my money would come in three days. But I waited a month and I still havent gotten my money.But they just took the money from my account and have yet to give me my money on my basecoin account. So I went to the bank and somehow they thought that I was hacked so they went to the criminal department and they said that the money was correctly charged from my account. So I went on XXXX and found out I was the only one with my problem. They gave me a phone number to call but there was no one on they other end and I was on hold for one hour, then I finally hanged up. I even tried to file a complaint to their website on the complaint section and I have waited for over two weeks  for an answer and I got none even though I supplied them with all the information needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX & XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00}
Product: Credit reporting or other personal consumer reports

To who this may concern, I am attaching a FTC report containing 5 fraudulent accounts to be blocked and removed. 
I have also listed fraudulent addresses as well as fraudulent inquiries to be removed from my consumer report.
Product: Checking or savings account

There are two major issue .First, have a checking account in the bank and im currently living abroad. XXXX XX/XX/XXXX, my suddenly lost my acces to my mobile banking account. During password recovery process, application was insisting my SSN and other information does not match their records. contacted the costumer support next day, and after spending an hour trobuleshooting, issue wasnt resolved.Eventually, She told me that her logs was telling her that password recovery was succsesful each time when i tried and got the same error i mentioned above. She told me that her system shows everything perfect and there is nothing they can do as if im imaginig the error. This issue still persist to this day.Second, Furtermore, Since the occurance of this probleam, The bank has been declining any monetary transaction via bank account and debit card. Reason was not disclosed to me during my call. So i have lostany access to my money. tried reaching costumer service XX/XX/XXXX for this issue as well, but failed after being put on a hold for terribly long while. m calling form abroad, and its terribly expensive to call. Only thing CS agent could come up is to me going to a store, witch is not possible. need your help, please help me in retriving my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies with Transunion, XXXX and XXXX and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies Transunion, XXXX and XXXX that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Product: Credit reporting or other personal consumer reports

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 if, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of ED XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, thank you for your time in investigating this. 

I am contacting the CFPB as an attempt to get some communication from XXXX or Meta. As it stands right now, there is no way to contact customer service and actually speak with a human being. I have tried all their forms online and email addresses I could find to no avail. They do not have any way to chat or call customer service, instead using a " help center '' where all the links take you in a circle. Additionally, they do not have a public form to file an appeal. If a real human being is reading this, then I thank you, as you have already done more for me than the company itself. 

The situation : In XX/XX/2024, I signed up for meta verified which is a paid monthly subscription for information protection, impersonation protection and many other value added services for my pet dog account but that account was just taken down abruptly overnight after 2 weeks, and I can not seem to reach out to anyone there for help. Why would a company take down an innocent little dog account? It baffles me beyond words. I am a paying consumer of Meta 's service and they violated consumer protection statues - Basically by going missing/ unresponsive. I believe this is happening to many other citizens as well ( probably not the first complaint you heard ). 

I have tried to ask for my information or data back ( in light of personal info protection laws ) instead as well, as an alternative, but that doesn't seem to work as well. 

Its causing me huge emotional distress because my pet account has memories of my dog from growing up stages till now and its my XXXX XXXX XXXX As someone who is already suffering from XXXX XXXX  this really has a significant negative impact on my life. 

I have tried endlessly to use the help centre to no avail, no one seemed to want to help and I have emailed several times about it and get the same canned responses. I am at my wits end hence have to file a complaint here. 
Despite following all the suggested protocols and guidelines, my issue remains unresolved. 

I hope you can forward my details to them, I am willing to cooperate and send any information helpful to this case. 

Thank you once again for your help!
Product: Money transfer, virtual currency, or money service

Cashapp didn't have a live person to talk to when I had an issue with a money transfer
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 or other personal consumer reports

This complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL three credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX FROM CITICARDS CBNA, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATED 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 ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account name : XXXX  XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX However, they stated everything was complete and accurate which it is not and needs to be resolved. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts and inquires on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Transunion are reporting a bankruptcy account. I have disputed this record several times ; however, it keeps coming back verified. I want to know THE METHOD OF VERIFICATION. Transunion and XXXX are in clear violation of reporting inaccurate information on my consumer file that is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave Transunion or XXXX anything in writing that would have given them permission to report this record. Saying I did such a thing when it is false is against the law identity theft and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX  - XXXX {$9900.00} XXXX XXXX - XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, IN - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX {$9900.00} XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I am writing under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX, to formally request the removal of unauthorized or inaccurate hard inquiries from my credit report. 
Specifically, I am disputing the following inquiries : XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax According to FCRA guidelines, only inquiries authorized by me in connection with a legitimate credit application should remain on my report. If you can not provide documented evidence of my consent for these inquiries, I respectfully request their immediate deletion.