23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I purchased bedroom furniture from XXXX XXXX and financed it through Acima. I made a deposit of {$52.00} on XX/XX/XXXX the day the XXXX was delivered. As part of the deal you set up monthly auto debits. The XXXX payment was due on XX/XX/XXXX and they debited {$360.00} from my checking account. I saw that this finance was going to cost me over double what the furniture cost, so I borrowed money from my fiance to do the early purchase option. I financed {$2000.00} and staying with Acima for XXXX months I would have paid a total of {$4400.00}, that's a total finance charge of {$2400.00}!!! They tax each monthly payment also so the total tax had I continued paying them for XXXX months would have been {$290.00} when tax on the purchase amount of {$2000.00} would only be {$140.00}. On XX/XX/XXXX, only XXXX days after the finance was originated, I logged onto the app and paid the early purchase amount in the amount of {$1600.00}. I was so happy to have been able to take care of that and be done with Acima. I would be paying my finance back in XXXX monthly payments now instead for acima. To my surprise there was a debit in my checking account from Acima in the amount of {$230.00} on XX/XX/XXXX so I made a phone call to them. They told me I didn't include the tax amount with the early purchase option so that I missed the no fee payoff date that was XX/XX/XXXX. I am a XXXX XXXX XXXX  XXXX XXXX man on a fixed income and I've called them multiple times trying to get them to fix this for me and offered to pay the tax that I forgot to include and they wont budge. They said I have other options, I can pay {$1200.00} + tax today and be paid in full or I can continue making XXXX more monthly payments in the amount of {$360.00} for a total of {$2200.00} + tax. I told them I'm on a fixed income and have to pay back the money I borrowed to pay the early purchase amount back in XXXX which is {$300.00} a month. I asked why wouldn't they reach out to me and tell me I forgot to pay the tax. Why would I pay such an odd amount, {$1600.00} as a lump sum payment. What advantage would that be for me. I called several times and spoke to numerous people including supervisors and they won't bend XXXX bit. I feel I am being completely taken advantage of and being scammed. I hope you can help me as I am so very ill from all of this. 

After several phone calls they sent me an email saying that they will be using the secondary rent renewal payment method that we selected when applying. This is not true. They have my fiances debit card number that she used when paying off the early payment option amount for me. She never gave them permission to save or use the account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, XXXX  and Equifax for over two weeks now. I previously had fraud alerts removed from the other two agencies, XXXX and Equifax and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 ; Unable to file dispute. Tried online, was told to call phone number. Phone number on printout is only for memberships, and eventually you get hung up on. There is NO WAY to file a Dispute with these people, and NO WAY to get a real person on the phone ( unless of course you buy their " membership, '' I'm sure. ) This is a violation of the FCRA. 

I have a RIGHT to file a Dispute, and they have a DUTY to accept, process and investigate it. 

I want the CFPB to investigate this, and I want the name and address of the Experian NJ Registered Agent so I can initiate a suit against them in the Special Civil Part of the Superior Court for damages.
Product: Student loan

I never attended one class at this school. They withdrew me from the school navient is stating that I owe them a balance. I have never attended this school and have stated this to navient. The school explained that if any funds were sent to them they were returned to sallie mae of which is not navient. This is harming my credit and very crooked. I have not attended the school therefore no services in regards to education was received. Please remove this from my credit reporting navient is acting in an illegal manner.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies, but to date, I have not received any response. The details of the disputed accounts and the necessary corrections are outlined below : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Please remove it from my credit report. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report. 
XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} Please remove it from my credit report.
Product: Debt collection

After careful review of the electronic application forwarded to Credit Acceptance from the dealership XXXX XXXX XXXX, XXXX, NC, I noticed Credit Acceptance changed the APR amount from when I signed the handwritten application of 7 % and after a few weeks the mailed application copy stated 22.9 %. Credit Acceptance can not verify nor confirm that the APR being charged is not an average APR for Car Loans which is Usury due to Unfair and the Illegal Interest Rate at 22.9 %. This APR has caused me harm to my credit report and finances. At the time, my credit scores remain well over 702.

For example, for a Deep subprime car loan ( 300-500 ) is the average APR for used cars up to 20.58 %, my document was changed and forged increasing the APR to 22.99 %. Credit Acceptance can not confirm any different. This is usury that Credit Acceptance can not substantiate. 

Secondly, On XX/XX/2022, @ XXXX XXXX from Credit Acceptance compliance dept called my phone harassing me, when I submitted a cease and desist 2 years ago.
Product: Checking or savings account

Several accounts were opened and used to transfer money under my name. I discovered the accounts were opened, after receiving a series of emails FROM USBANK regarding a checking account I hadnt opened and wasnt depositing money into. I was also getting emails from XXXX and XXXX XXXX  about money accounts and transfers. I followed the email links to the accounts that I couldn't gain access too with my own personal information and has never setup myself. I noticed that even though my email address wasnt spelt correctly on the emails but somehow, they were still being delivered to my email. So, I used that email to address isnt correct, but is wrong so I tried using that one to that email to try and access the accounts. Of the 3 XXXX XXXX was the I not only one hat reset the password for with an email verification. Upon gaining access I was able to see the accounts virtual card. Which has been the card used in a XXXX Instant Transfer. XXXX has begun Processing the account as fraud and has removed my name. XXXX and USBANK have taken no action.
Product: Credit reporting or other personal consumer reports

Gap/Barclay did not reach out to me prior to closing my Gap/Barclay credit card even though they had my email address & phone number on file. They informed me that they had sent notices to my phone which is not correct as I did not receive any emails or texts from them related to the account. In addition, they allegedly mailed out bills that I never received dated XX/XX/XXXX through XX/XX/XXXX on a late fee of {$21.00}. I finally received a bill at our Florida address on XX/XX/XXXX that was dated XX/XX/XXXX with a printed due date of XX/XX/XXXX. I immediately called Gap/Barclay on XX/XX/XXXX & had a long conversation explaining to them that this was the first bill I'd received & I did not realize I had a late fee due. I asked them to consider eliminating some of the additional late fees of $ XXXX & they agreed to eliminate 2 of them. I immediately paid them {$130.00} ( as on their most recent statement ) from my online XXXX XXXX XXXX account that same day & told them it would be delivered on XX/XX/XXXX. I then subsequently received a letter from Gap/Barclay on XX/XX/XXXX, but dated XX/XX/XXXX ( attached ), stating my credit card account had been closed based on non-payment. I called them on XX/XX/XXXX upon receipt of this notice. They told me they had not received the Payment of {$130.00} on XX/XX/XXXX from XXXX XXXX XXXXXXXX, despite the fact that it showed on my bank account that it had been paid XX/XX/XXXX as we had discussed on XX/XX/XXXX. They told me they were placing a " missing payment report '' to try to find the payment already made. I am amazed that they had all my contact info ( cell & email ) on my credit card account but no one even thought of e-mailing me or making a phone call to notify me about the payments not made. I have no desire to have another credit card with them, and I am very upset that my credit rating will be affected by this. My only request is that Gap/Barclay make XXXX there is no negative information on my credit report which has be stellar up to this point.
Product: Mortgage

Normally the payment for our mortgage comes out on the XXXX of every month on auto withdrawal. I needed to change the account it was withdrawn from. The payment on XX/XX/XXXX did not come out ( auto withdrawal failed ). XXXX XXXX ( primary person on the loan ) is going through XXXX treatment and we were distracted and made a mistake not getting the payment made. On XX/XX/XXXX we called Fay Servicing to change the account payment would be auto withdrawn from. XXXX said no payments could be made until the all payments could be paid, including the XXXX payment ( which we thought was due on the XXXX of every month hence the company withdrawing it that day- but they said it was actually due the first and 39 days late ), penalty interest, and massive fees were paid. So, instead of paying a payment of {$2700.00}, or both XXXX and XXXX for {$5500.00}, we were told we would have to pay {$15000.00} to get caught up. To make it easier on us they were willing to try to reinstate the loan for {$8200.00}, pushing the remaining default interest of {$7000.00} to the end of the loan. Again refusing to take payments and not willing to let us pay back payments to stop the absurd daily and default charges still accruing. Also never explaining the fees. This has happened in the past and we have sold off our personal vehicles and other items and assets to cover their fees, because they have led us to believe we have no other option : foreclosure and losing the house, or paying the fees and defaulting interest.
Product: Consumer Loan

I took out a personal loan with Discover. I had major problems when I first took it out with the posting of their payments, After MANY phone calls it was resolved and they credited my account {$50.00} for all my problems. It has begun again I agreed to monthly payments of {$180.00}. My statement cut off date is the XX/XX/XXXX of the month and I usually make my payment around the XX/XX/XXXX. My XX/XX/XXXX shows late charges of {$78.00} with {$39.00} reversed. However, online it does show they were both reversed. The XX/XX/XXXX statement shows my payment amount due {$180.00}. I called to find out why the late charges were on my account and why the payment amount changed. The person I spoke to on XX/XX/XXXX said she would research it and call me back the following Monday between XXXX-XXXX EST. I never received that phone call. I made my payment of {$180.00} because I did n't want then to say I did n't make my full payment amount. Today I received my XX/XX/XXXX statement and the other {$39.00} late charge does not show reversed and it show I am PAST DUE ..XXXX when I actually paid .XXXX extra! So once again I called, put on hold for them to research, was on hold for 20 minutes and disconnected. I called back, again put me on hold, came back and told me that it shows online the late charge was reversed and it 's more accurate than their statements. All the time laughing about it. What if I did n't have online access?? Is n't a statement suppose to be accurate. I ca n't tell by the statement if the {$39.00} is still in my balance. She could n't explain why it showed .XXXX late and laughed about it being wrong. All I want to know is why my statements are not reflective of my true payments and agreement I signed and no one can seem to give this to me. I took out this loan XX/XX/XXXX and my statement half been incorrect at least 6 months. I wanted to report to the BBB but I could n't even find them there. Unfortunately I do n't have a source to attach the history but discover should be able to look it up since according to them their online system is more accurate!
Product: Debt collection

On XX/XX/2019 I sent an email and mailed a letter to Second Round Up concerning their account listed on my credit report. In my email I asked for them to please validate the debt, if they could not do so please remove from all three bureaus of my credit report. To this date they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY keeps changing the open date so that it can stay on my credit report forever. I have brought this up with XXXX, XXXX XXXX, and XXXX several times. PORTFOLIO RECOVERY XXXX XXXXXXXX XXXX for {$1100.00} and XXXX. As well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00}. Portfolio is coming up on its 7year mark and should be removed later this year. I don't understand how I can ever move on from this. As well as XXXX XXXX XXXX should show paid in full with all three companies. Not repossessed. I have the letter to back it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This weekend I was out of town and again was charged {$34.00} six ( 6 ) times. As soon as I received a message from Chase I deposited funds into the account. I worked for WAMU  and opened my account in the year XX/XX/2000and then worked for Chase  until my Doctor placed me on permanent XXXX fixed income. As an Employee Account I should not be charged these fees. They just refunded 10 such fees last month.
Product: Credit reporting or other personal consumer reports

The following statement below was sent to TransUnion : Subject : Unauthorized Removal of Account and Request for Compensation Dear TransUnion Consumer Relations, I am writing to bring to your attention a concerning incident regarding my credit report and the unauthorized removal of an account without my permission. I have spoken with an XXXX  base Supervisor, XXXX, who confirmed that a representative from TransUnion accidentally removed the XXXX account from my file, causing significant damage to my financial standing. Despite XXXX confirming that there is a paper trail leading back to the error, she has stubbornly refused to rectify the issue. 

Firstly, I want to emphasize that I am an authorized user on the XXXX account, and at no point did I grant permission to anyone, including TransUnion, to remove this account from my credit report. The removal of this account has had a detrimental impact on my credit score and financial stability. 

During my conversation with Supervisor XXXX, I found her to be unprofessional and unhelpful. Despite acknowledging the mistake made by TransUnion, she became frustrated with the issue and abruptly hung up on me. Such behavior is unacceptable and does not reflect the level of service and professionalism expected from TransUnion. 

Due to the negligence of TransUnion and the resulting damage caused to my finances, I will be seeking retribution for the harm inflicted upon me. I hereby request compensation in the amount of {$5000.00} for the loss of creditworthiness, ongoing financial repercussions, and the time and effort I will have to invest in rectifying the situation. 

In addition to this letter, I have also lodged a report with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX  ), and the Florida Attorney General 's Office. These complaints have been filed to ensure that this matter is thoroughly investigated and appropriate action is taken against TransUnion. Furthermore, I intend to file a civil lawsuit to seek legal recourse and hold TransUnion accountable for their actions. 

I kindly request a prompt response from your XXXX XXXX department to address this issue and provide an acceptable resolution. I believe it is crucial for TransUnion to rectify this situation as soon as possible to restore my credit report to its accurate state and compensate me for the harm caused. 

Please treat this matter with the utmost urgency, and I look forward to a prompt resolution from TransUnion. I can be reached at the contact information provided above should you require any further details or clarification. 

Sincerely, XXXX
Product: Checking or savings account

remove off my credit history payment paid in full. I need to open bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy on my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing an evidence of a throughly investigation. This practice violates the Fair Credit Reporting Act ( FCRA )
Product: Credit card or prepaid card

On XX/XX/2019 I received an offer from my bank ( Chase ) for their Freedom Unlimited credit card. This offer appeared when I logged in to my Chase account.

The offer stated that I would receive a {$5000.00} credit limit and {$200.00} cashback if I spent {$500.00} within 3 months of receiving the card I accepted the offer and quickly received a reply that my card would arrive within 5 days. When the card arrived, there was no mention of the {$200.00} cashback bonus.

I called Chase and spoke to 2 reps and a supervisor but they all said there was no {$200.00} cashback with this card?

I then went to my Chase branch and spoke to a manager who made several calls but no one would admit they made a mistake.

I'm still waiting for some answers.
Product: Credit reporting or other personal consumer reports

Good afternoon, For years my information has been exposed and due to that it led me to be a victim of identity theft. Here are the accounts affected by this cyber crime. A total of XXXX accounts. I discovered these accounts for about the same time they were opened. I didn't know how to respond but after speaking to several advisors and law enforcement now i know. On XX/XX/XXXX a XXXX XXXX XXXX opened reporting a balance of {$680.00}. On XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A reporting different amounts. I have no idea who opened any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to XXXX, Equifax and XXXX  to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.