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

I submitted a formal written request to all 3 credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.
Product: Credit card or prepaid card

Care credit is a horrible company. 
I had a credit limit of XXXX that I had specifically requested to keep my limit under 50 % and it was decreased without notification or my knowledge. This resulted in dropping my credit score since it resulted in me having used almost the total limit. I have a XXXX coming up and was depending on this credit line. 
I had missed a few payments due to covid related hardship and had been in contact with the company multiple times working out payments and letting them know what was going on on my end. And when I called to have them help fix this they completely refused. Put me on a nonstop hold after telling me they would transfer to a manager and it would be two minutes at most. 
Im devastated they did this to me. We are all experiencing uncharted waters with covid and to have a large company thats most likely unaffected by my small to them situation is a hard blow and let me down completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

XXXX  : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) TransUnion -XXXX/XXXX  ( inquiry from XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt to XXXX XXXX XXXX  regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative XXXX The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.
Product: Money transfer, virtual currency, or money service

I was scammed into sending $ $ to somebody on cashapp in the amount of {$XXXX} who was claiming to be gathering funds for a charity fund. I then later went on to realize that the cashapp account user is a fake account not claiming to be who they say they are. I had initially believed that it was real at first because I had gave {$XXXX} cash but then wanted to donate {$XXXX} instead so they had refunded me {$XXXX} through cashapp. I found out it was fake and made a threat to obtain my $ $ back they had agreed to spend me back the whole amount of $ $ back and they know have not contacted me back and still have refused to send the $ $ back. I was scammed into sending $ $ to an unethical person who claimed to be working for toys for tots. I then contacted cashapp twice and its been over XXXX weeks with no response yet from cashapp as well and request left on pending
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. 

Account number : XXXX, Account name : XXXX, reporting on XXXX, Equifax, and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  XXXX and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX Equifax has violated my rights. 

Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Reporting twice! 

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: Debt collection

I cancelled my XXXX service in XX/XX/XXXX, and mailed a {$250.00} signal booster to XXXX via XXXX to the complete the cancellation [ i.e., I have the XXXX paperwork that proves XXXX received the signal booster ]. Now, since XX/XX/XXXX, I have been receiving non-stop calls from debt collection agents who claim I owe XXXX {$250.00} for the signal booster. I have called XXXX over a dozen [ XXXX ] times to ask its representatives to verify that XXXX has the signal booster [ which they repeatedly did ], and ask the representative to please tell the XXXX debt collectors to stop harassing me. XXXX has repeatedly promised me [ i.e., more than 6 times ] that they will fix their mistake and inform their debt collection agencies that I do not owe XXXX any money. However, I keep getting harassing calls from XXXX  debt collects [ i.e., most recently today, on XX/XX/XXXX ] who keep threatening to ruin my credit if I don't pay {$250.00} to XXXX for the signal booster that I returned to XXXX  over 4 months ago in XX/XX/XXXX. Please stop this fraudulent business practice [ i.e., XXXX continuing to send debt collectors after me that falsely contend I owe XXXX money ].
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I opened up a PayPal Business Account to sell secondhand clothing online through an app called XXXX. Within 2-3 weeks of me opening my business account PayPal put a permanent ban on my account. According to PayPal I opened a personal account in XXXX which I never used and have completely forgot about. The reason for the ban is because some of the information in the personal account from 8 years ago matches the information with the new business account I made in XXXX called PayPal to try and resolve the issue but they said they couldnt help me and I was banned for life. Even after giving them all the information to prove that I was the owner of both accounts and was not committing identity theft/fraud. I find it unfair that PayPal never warned me about how my account was at risk of being banned and how I was allowed to put in the information from my last account that I completed forgot about. Being banned from PayPal has disrupted my life because most e-commerce services require PayPal. I would like a second chance and for PayPal to lift my ban.
Product: Credit card or prepaid card

XXXX purchase order number : XXXX date of purchase : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I bought a XXXX watch from XXXX. The Seller contacted me as it was a local pickup. I said I am in NJ and that he would have to send it. He spoke in what seemed to be a XXXX accent. He said he was going out of town and that he would mail it while he is traveling which he eventually did via XXXX. There was no name or return address on the package. I thought this odd but paid no attention to it at the time. 

When I opened the package, I knew it was a fake watch. I took it to my jeweler/watch dealer XXXX and got paperwork from him stating it was fake. 

I filed a complaint with PAYPAL disputing the purchase because XXXX had failed miserably on three occasions regarding previous disputes. I thought PayPal would be more expedient, but they were not. They sat on this for WEEKS. I called weekly with an update and they had nothing for me. 
Because of their lax handling of my case, I called PAYPAL XXXX XXXX XXXX XXXX and had them reverse the charges and open a dispute for the {$1500.00}. 

Within a week, the bank issued me credit but within two weeks they put it back on my account stating that the merchant said I refused to return the watch for a refund. Which is preposterous. 
I do not know his name or have any contact info for this guy at all. I can not even send him a message via XXXX because they suspended my account for complaining too much and disputing this item. 

I told the bank that if you give me his contact info, I will be sure to send his merchandise back to him, but the bank said it is a privacy law that precludes them from sharing his contact info with me. 
I said that does not make sense. How am I supposed to return the item if I do not have an address? 
Pretty much they told me that is my problem. That bank XXXX In the interim, someone charges {$480.00} on my PayPal XXXX Account. I disputed that with the bank, and they said it was a re-charge from XXXX. I said what was it for and why didn't it go thru then? Who was the merchant? The bank could not answer any of the questions, so I said that is straight-up fraud. I am not paying for that. Even though both these items are still being disputed, the bank keeps charging me interest and late fees on the money ( roughly {$2000.00} XXXX even though they state in writing that they would not do that but when I ask them to adjust the account they refuse. 

This {$1500.00} issue has been going on since XXXX 2020. The bank keeps closing my dispute as resolved in favor of the merchant, but I keep reopening it. 

I am at my wit 's end! I need your help to get my money back. The seller is obviously a fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I am attempting to pay down my loan by submitting extra payments. I submitted a payment of {$2000.00} that posted on XX/XX/year>. However, when submitting a payment online there is no option to clarify that the payment is a principal only payment nor is there an area to leave a memo requesting extra payments be applied to the principal balance. I then attempted to email customer service and request the full payment be applied to the principal and not interest. The response I received advised that they " could not locate my account '' and that I needed to call in. This is a dishonest practice in hopes that consumers don't take the time to call in. Had I not called in, I would have lost {$120.00} to interest instead of paying down my loan. The default for extra payments should be in the consumer 's best interest and automatically applied to the principal. And if that's not the default, there should be a checkbox or memo option to direct that payment to the principal balance. I'd imagine there are many people submitting extra payments and unknowingly paying more finance fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now
Product: Credit card

Citizens Bank credit card is still not calculating interest correctly. I submitted a previous CFPB complaint on this issue, which they only provided a partial explanation for. 

You can see on the attached statements that they have been charging " purchase interest '' every month when I have made no purchases.
Product: Mortgage

On XX/XX/XXXX, we filed complaint XXXX XXXX. We have tried to find out what the problem was for two years as we kept getting delinquent notices, please review the prior documentation regarding this case. 
BofA was supposed to make the payments from a BofA escrow account to BofA 's mortgage. After countless phone calls and in person visits and raising this up to supervisors at BofA nothing was resolved. Every month a credit was made from our XXXX account to BofA escrow account on time. It seemed that no one at BofA could help us resolve this issue. 

We decided to cancel the BofA escrow account because of their incompetence in making our payments on time. 

We received a check dated XXXX for closing this escrow account on XXXX. We never found out where a payment was missing since the inception of our mortgage. BofA 's response to our initial complaint through CFPB, was received and there was one sentence that pointed out where the problem was, " Please note, this check included a refund of the payment received in XX/XX/XXXX in the amount of {$1400.00} '' I am an XXXX XXXX and the horror you have put me through since the inception of my mortgage could have been resolved over this two-year period with the countless phone calls visiting branches imploring for help and assistance. 

Please review the letter received.
Product: Credit card or prepaid card

Trying to apply for the XXXX XXXXXXXX cars to receive unemployment benefits and havent been issued anything
Product: Debt collection

Nearly a month ago I requested the company either settle a debt I strongly believe does not belong to me or provide documentation to validate the debt they seek to collect. My request can be viewed in complaint XXXX-XXXX. The company provided a narrative of the account but did not provide any documentation to validate the debt. Despite not sending any information to validate the debt, they continued to report the information on my credit report thus violating the FDCPA. Despite not believing the debt belonged to me, I made a generous offer to settle the debt to which the company did not agree to. The company stated they would contact me via mail, however ; I have yet to receive any documents from them.
Product: Debt collection

I have a personal loan with upstart.com. I paid all of my monthly payments on time except for this situation. At the end of XXXX, I sent an email that the agency I work for had a payroll issue that deleted me from the system. I did not get a paycheck for 30 days. Meaning I did not get paid until XXXX. This means I was not able to pay any of my bills during that time. I reported this to everyone I make payments to Upstart would send me emails saying they did not recognize my email. Then they sent my info to collections and said a third party is handling it. I then set up for payment to be made in XXXX and it said the payment had to be made before they would take it out of collections. Now today XX/XX/2023 after they said it was sent to collections last month they have reported me as two months late. They dropped my credit score by XXXX points. Which has placed me in poor credit status. They also dropped my credit score by XXXX plus points when they sent it to collections. So now they have dropped my score XXXX points. I reported to them my issue and they did not reach out once to try and work with me on this issue. Not one time. This is wrong and needs to be addressed.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.
Product: Payday loan, title loan, or personal loan

I took out an installment loan in the amount of {$3500.00} with Aspen Financial Direct on XX/XX/XXXX. The terms of the loan agreement stated I would pay 52 bi-weekly payments in the amount of {$190.00} with the last payment scheduled for completion on XX/XX/XXXX. If I had made the payments as scheduled, by the end of the loan term ( 2 years ) I would have paid {$6800.00} in interest and a total of {$10000.00} for a {$3500.00} loan. This loan had an interest rate of 131.46 % and the loan agreement stated there was no penalty for early payoff. I paid off this loan early ( on the 19th payment vs the 52 payments scheduled ). After borrowing {$3500.00}, the total amount I paid back to Aspen in 19 payments was {$6900.00}! Having already paid {$3700.00} into the loan, when I called to get a payoff amount I was quoted a charge of {$3100.00}. I paid the amount quoted in full on XX/XX/XXXX to Aspen, however after calculating the interest, I found that Aspen overcharged me for the payoff amount and I should be due a refund of over {$1000.00}. I have paid almost {$7000.00} in a 9 month old loan that would have resulted in me paying {$10000.00} had I paid it back in 24 months!!! This is total robbery! I took out this loan due to a financial hardship moment I had with the expectation of paying if off asap, which I did. I have sent 3 email letters to Aspen regarding refunding me some of the payoff money they overcharged me but have gotten no response. The letters were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If I can not get this issue resolved by Aspen FinanciaI will be contacting the Attorney General and pursue legal action if necessary to correct this wrong.
Product: Vehicle loan or lease

I asked them to look at my interest rate they started my first bills date wrong and have added extra fees to my contract, along with interest and never going towards principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was contracted by a prospective employer to perform my background check. I provided contact information for my prior employer XXXX and a contact name and number, they failed to contact the company and or the direct manager contact I provided. They completed the background check, and they submitted the background report to my prospective employer and indicated my time and service length was in accurate. They put down that I worked at XXXX for 1 year and 8 months, simply because they were lazy and did not want to do the requisite call into HR at XXXX  and or my contact to verify my complete length of employment. I worked at XXXX for 1 year and 9 months as a XXXX and 1 1/2 years as a XXXX XXXX. Instead of XXXX XXXX XXXX doing the legal work they are supposed to by law, they decide to skate their professional responsibilities and submit a non-accurate employment timeline at XXXX  to my prospective employer. The report indicates a consider on this employment verification, when they should have called HR or my contact which would have provided the accurate timeline which I put down in the initial background check and would have closed this employment verification as complete. FCRA and federal regulations require XXXX XXXX XXXX to meticulously VERIFY before submitting to client. In this case, they not only didn't call to verify - choosing instead to type into an automated system, but they never called after the data mismatch to properly and meticulously confirm with a Human being, HR rep or my point of contact at the company. They instead submitted the inaccurate information in the completed report to my prospective employer and put CONSIDER on the results which is 100 % not accurate and reflects my submission in a negative light to the prospective employer. XXXX XXXX XXXX  has a long record of inaccurate reporting, they have had numerous lawsuits, class actions lawsuits, FCRA violations etc. I am reporting them for this and I am also filing an FCRA complaint forth with. They have tarnished my reputation, defamed my reputation and have caused undue harm and stress with this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XXXX XXXX  Balance : {$940.00} {$940.00} No. of Months ( terms ) : 0 0 High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XXXX XXXX Date of Last Payment : XXXX XXXX XXXXwo-Year payment history Month 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  TransUnion XXXXXXXX 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  RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.