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

RCWILLEY store credit card I have experienced numerous issues when attempting to make payments to RCWILLEY store credit card. It tells me that I have had " too many '' returned payments ( from my debit card/checking account ). This is absolutely incorrect! I did have an issue with fraudulent charges on my bank a few months ago, which caused my bank to temporarily freeze my account for a few days. Not knowing this happened, my regular RCWILLEY payment was scheduled, and happened to return during this time. After speaking with my bank and resolving the issue, I logged on to my RCWILLEY account and made another payment to my account. Ever since then, the RCWILLEY payment system gives me trouble and doesn't allow me to make payments from my checking account because I get that error about returned payments. Making payments through a checking account using a routing and account number is free on their site. Using a card ( debit card included ) makes you pay a 2.30 % convenience fee. Their system wants me to use a card and pay the fee each time. I have changed my bank account information, and tried to make a payment that way and it still won't allow me to. Thus causes me to get assessed late fees because they refuse to accept my payments. Today I finally got fed up and tried to pay off the account balance in full in the amount of {$1400.00} just to be done with RCWILLEY and their system is making me pay a 2.30 % convenience fee. That is almost a {$33.00} fee just to make my payment. Their system is telling me that is order for XXXX me to not have to pay a fee, I have to use my checking account ( which they reduae to accept ) or I have to go into their store in person to make the payment. I shouldn't have to drive XXXX minutes each direction just to make a payment. This is absolutely shady business practices, and I am now feeling like this is what this company does to get money out of people. My payment is due on XX/XX/2022, and now I am going to be assessed more intrest because they won't take my payment. I have written them several emails about these issues, and no one in this company cares enough to actually respond. No one has contacted me in attempts to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent out a letter to the credit bureau Transunion asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I called in and was told that my investigation was completed and updated. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. On XX/XX/2022 I reported the claim to cfbp and Transunion responded back XX/XX/2022 saying how they will fixed the issue. On XX/XX/2022 they said everything is a 100 % accurate. I am very confused at this point because the same problems are still showing on the account inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. Now all this cant be accurate the accounts appear to be furnished by the same creditor why reporting data different. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so.This is grounds for removal. 

They violated my rights under 15 U.S.C 1681 section 602 A. States I have 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. 
Another thing is this issue has been on going with not type of result at all it has been damaging to my credit with inaccurate information.I have been trying to dispute many accounts with them for a while now and keep ending up with the same results with not having a proper investigation.
Product: Money transfer, virtual currency, or money service

Im writing to share my experience when I was scammed through Zelle in 2019. I sent money via Zelle to a person who allegedly had a puppy that I was willing to pay for. Zelle had no warnings to stop me from paying a stranger. Despite me asking my financial institution and Zelle multiple times regarding this issue, there was no results and I was told that recovering the lost funds was impossible and tracking these funds were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeated offenders to exploit this broken system, leaving users vulnerable to scams including me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection notice from XXXX. XXXX XXXX, XXXX. I wrote to XXXX. XXXX  on XX/XX/2016 and requested via certified letter that I '' m disputing the debt and that they please verify the debt as required by the Fair Debt Collection Practices Act. 

I never received a response back from XXXX. XXXX XXXX, XXXX and proceeded to send dispute this collection directly with the 3 major credit reporting agencies ( XXXX, XXXX, Transunion ). 

I provided the same materials that i'm including in my complaint to the credit reporting agencies and XXXX  as well as XXXX both removed the collection from my credit report. 

Transunion is refusing to remove the collection from my credit report which violates the Fair Credit Reporting Act. 

Please help me bring this issue to a close.
Product: Credit card or prepaid card

I was extremely XXXX today, XX/XX/2021 after attempting to use my Discover card to purchase an ink toner for my personal printer. When I inserted the Discover card, it was declined multiple times causing me to hold up the checkout line. This just added to the XXXX as I was already XXXX  out because XXXX XXXX had me repurchase the ink toner after I had already purchased online and was just there to pick up. I did not bring the card I originally made the purchase with because I was there solely to pick-up. I thought it was a blessing that I happened to have the Discover card to pay, so I thought until it was denied. I drove 45 minutes from my house and had no other options but to be forced to use my business card to complete the transaction for personal use to avoid further inconvenience of losing my spot in line or having to drive 45 minutes to get my other card. 

I feel like I am being discriminated against because I hadnt experienced any issues or problems with my Discover card until I exercised my rights in good faith as a federally protected consumer informing DISCOVER FINANCIAL SERVICES of the billing error. I had reason to believe that this is an adverse action against me as defined by 12 CFR 1026.13 ( d ) ( 3 ) as my account appeared to have been closed or restricted without my consent or approval. This adverse action needs to be corrected IMMEDIATELY. DISCOVER FINANCIAL SERVICES has failed to comply with federal regulations in the subchapter of 12 CFR 1026.13 resulting in legally forfeiting their rights to collect as defined by 15 USC 1666 ( e ). In accordance with 15 USC 1666d, these past, present and future remittance coupons that they send in the mail to my place of abode need to be converted into checks monthly that are payable to me. 

This would have never happened to me if DISCOVER FINANCIAL SERVICES properly handled my account as an open end credit plan applicable with federal law as defined by 15 USC 1602 ( j ). Also, this would have never happened if the credit balance on this account was zeroed out monthly pursuant to 15 USC 1666d ( A ). 

The agent, XXXX, conducting business on behalf of DISCOVER FINANCIAL SERVICES confirmed that my account was closed as of today, XX/XX/2021 without notice and was unable to provide any specific reasons as to why it was closed outside of claiming an adverse action. The agent went on to tell me that DISCOVER reserves the right to close my account at any time after I told the agent that I never consented to have my account closed. I know for a fact that the adverse action was against me for in good faith exercising my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Since XXXX XXXX I have been making monthly payments thru XXXX XXXX XXXX XXXX to Navient but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to Navient but XXXX XXXX XXXX XXXX collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX car dealership Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XX/XX/2019 with a guarantee of an approval a XXXX  XXXX XXXX. I asked them if I could bring my credit report and let the banks run my credit. They agreed. I told them I needed to stay under a price range of {$20000.00}. The pressured me into test driving a XXXX XXXX. I did asked the price they said under {$20000.00}. when it came to paper work to see if I could get the finance. The price changed from XXXX to XXXX and the sticker price was not on the car I test drove. I was told there was a rebate but was not shown the rebate price but eventually when they wrote out the figures they stated my car cost would be XXXX. I was also told I didn't need a down payment and could use rebate as the down payment. They ran my credit said they had good news and said the bank tried to call my phone number in order to get approved. It confused me and i said how is that good news? Then they pressured me if i could get a co signer and confused me more. I bought my first XXXX from them no problem whatsoever and my crdit score was much lower than it was. Not sure what is going on now I have all these inquiries on my credit and it lowered my score. They lied from the very beginning..Wasted my time and made me late for work
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX  and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX  and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Product: Money transfer, virtual currency, or money service

{$400000.00} was transferred. They held the funds for over two weeks and utilized the float. Did not respond to repeated requests to release the funds. At 4 % interest {$660.00} in interest is due. Bad Business.
Product: Credit card or prepaid card

I made a couple purchases with the card on accident. XXXX defaulted to the card on accident. I paid the two charges immediately when I saw XXXX did that. Closed card but they didnt close it Then I saw months later it happened again for XXXX. I was confused and thought what happened did I not pay the card or close it so I paid another XXXX which now over pays me. Then I get notice Im late so I make a chat with them telling them again close the card. The gentleman on the chat said he can not as it has fees. I had another chat with a woman and had to tell her multiple times close it. She finally closed one account. Then I find out the other XXXX balance account is still open today. Called again to close it. In the meantime they used the XXXX I paid to pay off a annual fee and are telling me my XXXX in purchases are over due charging me fee after fee after fee to XXXX. And refuse to epilate fees even though I overpaid my account
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I am writing to dispute an erroneous account on my credit report. I have never conducted business with Center Street Finance, nor did I open any accounts in XXXX  or experience a car repossession in XX/XX/XXXX. This account is entirely fraudulent and I request its immediate removal from my credit profile
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Mortgage

My name is XXXX XXXX and I am the President of the XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX in XXXX, Texas. I previously submitted a complaint about the Nationstar Mortgage, the mortgage company that has the mortgage on an abandoned property located at XXXX XXXX, XXXX, TX XXXX. This home was abandoned by the owners, XXXX XXXX sometime around XX/XX/XXXX. Nationstar Mortgage filed for foreclosure in XX/XX/XXXXand to date nothing has taken place. The property at one time was being maintained by XXXX XXXX and last year XXXX XXXX XXXX began maintaining it. Once again it is not being maintained and XXXX at XXXX XXXX stated they have gotten no approval from Nationstar to commence maintenance. They claim they have tried to call them and get no return calls. Please intercede as you did about a year ago with this irresponsible mortgage company and have them at least maintain the property if they are not going to foreclose. The neighbors can not sell homes with this horrible looking home on their street. It has been abandoned now for about 10 years and most likely will have to be torn down someday as I can not imagine what the inside of them home looks like after no air or heat all these years along with rotted food in a refrigerator. My address is : XXXX and my phone number is XXXX if you need further information.
Product: Credit card or prepaid card

I purchased an XXXX Computer, an XXXX, and was induced to purchase the product on an 18 month deferred interest payment plan on the Barclay Card. So I opened the XXXX/Barclay Card account, when through numerous steps both online, at the XXXX XXXX, and over the phone with Barclay to make sure I was eligible for and had received the 18 months deferred interest payment plan. I was told several times that the deferred interest would show up on the next Barclay Card statement. It never did and they have been charging me interest on my payments for 13 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not fix the dispute on the investigation I was told that this XXXX XXXX XXXX is a null contract which is illegal so experian and XXXX needs to fix this I shouldn't have to pay anybody to dispute anything for me this is violating my civil rights
Product: Mortgage

I was let go from my previous employer at XXXX it took my awhile to get a new job, in the meantime I could not afford to pay the mortgage, which I owe {$23000.00}. I can not afford to pay that to bring it up to current. My income is {$150000.00} so I can pay extra but XXXX XXXX won't allow Mr Cooper to do that. 
I have asked to get a new loan and put the areas at the end of the the loan. 
I do not understand why I am being decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I've noticed that there are information and accounts that's unlawfully reporting. I reached out to the creditors to verify this alleged debt in which I asked them to provide me the proper documentation that shows this debt belongs to me. They have yet to respond with any documentation proving that this debt is mine. I receive numerous phone calls throughout the day from the creditors seeking payment in which i'm aware that this violates 15 U.S. Code 1692c - Communication in connection with debt collection. Included in this complaint is a copy of my dispute letter in which I ask Experian to investigate and remove anything that's reporting inaccurate or unverified. By them reporting this inaccurate information I am being negatively affected and my ability to obtain funding or the proper necessities in life are limited due to bad credit. I am aware that in order for any account to report on my consumer report the creditor must have authorization to share my information in which they never had permission. I have no knowledge of who these creditors are and by them reporting anything to Experian violates my right to privacy. Experian has proven to report inaccurate information on many people 's consumer report. They were never given the proper consent to furnish a consumer report on my behalf. 


Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Debt collection

I received a letter today from XXXX XXXX , XXXX threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion fail to investigate my disputes