23daVinci/CFPB_Complaints huggingface dataset:
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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I bought XXXX XXXX tokens of about {$250.00} when the price of the asset was around XXXX. Later during the day, the price of the token went beyond XXXX. I then decided to sell my tokens to take profit. When I tried to sell it, the screen was showing the value of the total asset was around $ XXXX. And when I tried to sell it, it gave me {$250.00}, the same price of which I bought it. The company I used for this transaction is crypto.com and I tried to tell them about this issue but they were adamant that they couldnt do anything and theres nothing they charge of off selling cryptos. It is doing the same thing with other coins on their platform.
Product: Debt collection

Medical debt from XXXX XXXX PA, {$25.00}. Was paid by customer in XXXX receipt # XXXX. Then in XX/XX/XXXX debt was sold to collections and placed on credit report as collections showing past due amount of {$25.00}. Debt was disputed through XXXX and was not deleted as requested. But was marked as account information disputed by consumer. Debt was paid in XXXX, and was brought to the attention of original creditor again on XX/XX/XXXX and was informed that they were working on the issue and that it would be corrected. Credit report was viewed again on XX/XX/XXXX and is still showing past due {$25.00} in collections not being updated since XX/XX/XXXX. This collection should have never been placed on credit report.
Product: Checking or savings account

I bank with Capital One and I usually get paid on XXXX between XXXXXXXX XXXX I get on to the app to check that my paycheck went through and there was nothing in my account except what I already had. I was supposed to get XXXX ( and some change ) for my paycheck and I got nothing. I am now behind on XXXX of my credit cards because I couldn't pay them. I am, however, able to spend the little amount that I do have. Funny how that happens.
Product: Debt collection

i sent my first letter asking for my signature proving this is my debt. first letter was mailed by certified mail on XX/XX/XXXX. they replied saying that they are not required to show proof other than a printed statement. letter # 2 was mailed on XX/XX/XXXX once again only a printed statement was given too me. and a threat by them too take further action against me. i would greatly appreciate assistance in resolving this matter. the account # is XXXX they are saying is mine and that i owe {$190.00}. but they are refusing to provide documentation bearing my signature.
Product: Credit reporting or other personal consumer reports

Care credit was paid in full XX/XX/2024. I filed a dispute XX/XX/2024 & it came back incorrect with a balance of {$350.00}. This balance was paid on full & I have a paid in full statement.
Product: Debt collection

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records or I'll it to the next level.
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/XXXX, I travelled to a XXXX XXXX XXXX XXXX XXXX retail branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, XX/XX/XXXXXXXX. The retail branch XXXX, XXXX XXXX, processed my payment for {$3100.00} in cash ( USD ) toward an auto loan. My payment brought the account balance to {$0.00}. 

XXXX XXXX provided a signed statement to detail the transaction and current balance. 

On the same day ( XXXX of XX/XX/XXXX ), I initiated disputes with all three credit reporting agencies : XXXX, XXXX and XXXX. Included with each dispute was a copy of XXXX XXXX 's written statement and a statement transaction to detail account transaction between the XXXX of XX/XX/XXXX to the XXXX of XX/XX/XXXX. 

The statement transaction highlighted my payment of {$3100.00} on the XXXX of XX/XX/XXXX. 

XXXX and XXXX updated my credit information on or before the XXXX of XX/XX/XXXX ( approximately XXXX business days later ). 

XXXX refuses to update my credit information, and as of the XXXX of XX/XX/XXXX claim to have verified the balance of the auto loan has not changed. 

This is the second complaint I have filed this year against XXXX for failing to perform the due diligence necessary to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance details-XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX  Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX  Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX Phone number-XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Consumer Loan

This is a complaint about a lease with Nissan for a XXXX Nissan Rogue, lease started around XXXX 2010. At the end of the lease, we received a bill in the mail for approximately {$4000.00}! for the following : ( 1 ) It was a 39 month lease. After 36 months, we began looking into another option for a Nissan car to lease, mistakenly thinking it was a 36 month lease. When we chose a Nissan Altima and called up the dealer to put it into action, nobody said to us, " Hey, are you aware that you would be terminating your lease for the Rogue 3 months early if you go ahead with this Altima lease? '' Instead, they went ahead and leased us the Altima and just gave us a large penalty for that. Plus, it 's not as if we switched over to XXXX or something- we stayed with a Nissan . 
( 2 ) In addition, they billed us excessively for damage to the car. The car was not damaged at all, barely a scratch on it. There was only minor wear and tear that our damage waiver should have covered. When we asked for a breakdown of the damage, the only thing true on there was that a hubcap was missing ( stolen ). We were supposed to have a damage waiver in return for staying with Nissan, but that was a farce. We were helpless in fighting that because it was their word against ours. 
( 3 ) Our final complaint was a property tax of close to {$2000.00}. They never informed us there would be a property tax on a car we do n't own, and even so, that money should be billed to us each year, not all in one large ( unaffordable ) lump sum for 3 yrs total. Why did n't Nissan ever send us a bill over 3 years? 
We have always maintained a good credit, and this bill ruined our credit, as that sum was too large and unexpected. Please help us!
Product: Credit reporting or other personal consumer reports

A letfer from XXXX XXXX was srnt to experian and my complaint was that experian never remove the late payment off my experian credit report the account number is XXXX all experian has to do is remove the negitive item i filed federal trafe commision report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX BANK XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : $ XXXX don't own any of this accounts. Please see to it that they are removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I agreed to purchase a XXXX  XXXX XXXX from XXXX XXXX XXXX dealership, XXXX XXXX, XXXX, TX XXXX. I was pitched a typical auto dealership pressure tactic, that I had to agree immediately to buy the XXXX because another buyer was waiting in the wing to buy the same XXXX. I believe the document I signed gave the dealership permission to run my credit report. The sales person returned with paperwork showing payment information for 52 months and 64 months. I noticed the sales price shown on the proposal was {$1000.00} higher than the vehicle 's posted sales price online. The sales person returned with a corrected sales price. I signed the sales proposal agreeing to finance the vehicle for 64 months at 7.6 % APR. I was not allowed to seek my own financing. I made it known I could get a lower APR from my credit union. With no choice available, and in fear of losing the vehicle, I signed the sales proposal. I then signed paperwork regarding the car 's VIN, dealership disclosures, mileage, etc. I was told and I agreed to return to the dealership at XXXX to sign and finalize the financing. I did not immediately sign the financing because the vehicle purchase was for my daughter. My daughter was to be included on the vehicle title. I left the dealership at about XXXX. At XXXX, my daughter called me to say the car we had agreed to purchase, had been sold. She was called by the sales person who advised the car was sold to someone for cash. The same vehicle we had agreed to finance and buy. I called the sales person and he confirmed to me that the car had been sold out from under us. I know my credit report was run. That credit report resulted in a hard hit on my credit report. I got nothing for my credit report being run. It is a known fact a hard hit on a credit report can lower one 's credit score. I asked for and received a piece of paper supposedly from XXXX showing my FICO score and a XXXX credit inquiry. The document showed my credit report was not run on Experian and XXXX. I have obtained an XXXX credit report from the FTC website. The XXXX credit report shows a hard inquiry by XXXX XXXX XXXX  ( XXXX ) dated XX/XX/XXXX. I do not do business with XXXX and have never applied for a loan at XXXX. It can logically be concluded that XXXX XXXX XXXX ran my credit through XXXX. I then obtained an Experian credit report from my XXXX credit card. This is offered as a free service by XXXX. The Experian credit report showed two ( 2 ) hard inquires from XXXX XXXX XXXX and XXXX XXXX. Both of the before mentioned credit inquires are dated XX/XX/XXXX. It can logically be concluded that XXXX XXXX XXXX ran my credit through the two before mentioned finance companies. It can logically be concluded that XXXX XXXX XXXX was untruthful in representing to me that my Experian credit report had not been run. I have been unable to access my XXXX credit report as of this date.
Product: Credit card

American Express Platinum- I have requested SCRA benefits be applied to my card on 3 different occasions since opening the card over a year ago. They still have not sent a response. I have called and been told by the representative that I do not qualify for SCRA benefits however according to SCRA benefits guidelines I do qualify as well as all my other cards with other companies I have been granted the benefits.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 U.S.C. 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C. 1681b ( 2 ). My credit card, as defined in 15 U.S.C. 1602, was used without consent & no benefit. Under 15 U.S.C. 1681s, your organization must act. XXXX, TransUnion, and XXXX have failed to maintain accurate data per 15 U.S.C. 1681i ( b ). Due to erroneous information and the transaction being no benefit to the consumer, I filed an identity theft report. As per 15 U.S.C. 1681c-2 ( e ), these inaccuracies must be removed within four days. Unauthorized use of my credit card, violating 15 U.S.C. 1602, provides me no benefit under 15 U.S.C. 1681s. This letter urgently requests the removal of these accounts from my credit report : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$8100.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2017
Product: Money transfer, virtual currency, or money service

PayPal Credit offers 2 types of promotional purchase programs.

1 ) 0 % interest if paid in full in 6 months, with deferred interest 2 ) 0 % interest with 24 monthly " Easy Payments '' ***If you have both types promotional purchases ongoing at the same time, payments made online will be applied mostly to the Easy Payments purchase instead of the deferred interest promotion. This is in spite of the fact that on the statements it clearly lists a " Monthly Plan Payment '', which is the original purchase price divided by 24.

***If you make large payments with the intent of paying off the 6-month promotion so as to avoid paying deferred interest, the payments are instead applied to the Easy Payments balance. The result is that you wind up paying off the 24-month promotion early while also owing the deferred interest on the 6-month promotion. Furthermore, if you make a purchase and return for a credit, the credit gets applied to your Easy Payments promotion!

***There is no way to force payments to be allocated to the Easy Payments promotion in such a way that the Monthly Plan Payment is made each month, with the balance of the payment being applied to the next 6-month promotion to expire.

***This seems to me to be purposely rigged to make customers pay interest, even if they are careful about making the payments on time and in sufficient amount to pay off all active promotional purchases. It's a scam - a subtle and complicated one that I am sure makes PayPal Credit a ton of money.

***I contacted the company when I realized that my Easy Payments promotion had been paid off 14 months in advance. They made an adjustment to the account to restore the Easy Payments balance - I thought the issue was resolved. I noticed several months later that the company continued to apply subsequent payments to the Easy Payments purchase instead of other active 6-month promotions. I called back, described the issue, and the woman said an adjustment would be made within 2 billing cycles. Never happened, and in the meantime a 6-month promotion expired. This resulted in a significant interest charge on my account. I called a third time, was disconnected several times, and eventually talked to a manager who said they could not restore the Easy Payments balance. He indicated that if a customer wants to only pay the Monthly Plan Payment, they need to call and request a " same-day reallocation '' each month after they make a payment. This is insane, and none of the other customer service reps said anything about this. I also never saw anything about this in any of the promotion descriptions. 

***By this time, I could afford to pay off the remaining Easy Payments balance ( which was supposed to expire in XX/XX/XXXX ), so I requested that I be given a credit for the interest charge. I paid off the remaining balance - otherwise I would be charged interest each month, even if I continued to make the promised Monthly Plan Payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a XXXX XXXX  XXXX card through Synchrony bank, which was paid off thru XXXX XXXX and the agreement was once paid that all information would be deleted for pay. I called and spoke with XXXX concerning my XXXX XXXX XXXX ending in XXXX open XX/XX/XXXX Spoke with XXXX in Customer Service at Synchrony on XX/XX/XXXX, she stated that my balance is showing XXXX. She was not sure as to why it is in a charge off status. This should be XXXX balance and deleted for pay per the agency that they hired and I paid in full. My name when I had this account was XXXX XXXX and now is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$0.00} ''
Product: Mortgage

The mortgage company is charging double the required escrow amount based on yearly taxes and insurance premium, resulting in overinflated escrow balance and {$400.00} more expensive monthly mortgage payments. I have contacted them minimum of 6 times with no result. They refuse to allow me to speak directly to the escrow department and insist on only filling a new request in their system. I have also asked to speak to manager or supervisors on my call, which have been also denied.
Product: Money transfer, virtual currency, or money service

Thank Chase Bank for the letter they replied on XXXX XX/XX/XXXX. The reference case number XXXX. 

I have a check account with Chase Bank since year XXXX. I am used to make online payment to my HOA monthly assessment fee. 

According to the letter you sent on XXXX, you stated that there were no errors from your part. I believe there was error on the processing of payment. 

As usual. I chose the proof of payment service and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

According the letter the Chase Bank replied, the Chase Bank reviewed my bill payment for {$280.00} that was sent on XX/XX/XXXX. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks can be lost by mail, or returned, due to different circumstances. In this instance, the check was returned to us and not cashed. 

I contacted the Chase Bank and XXXX XXXX XXXX XXXX a few times to get more information. I also request more than XXXX time for the late fee from Chase Bank to pay to the HOA, but the Chase Bank keeping told me they are not responsibility for it, maybe has the other issues like postal delivery, it can not be expected. The other one XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. 

So, there is a possibility the check was mis routed or sent to an incorrect XXXX XXXX XXXX this could be postal service error. The Chase Bank should claim from USPS for me. All letters or parcels sent through USPS First Class Mail are insured against loss or damage up to {$100.00}.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : 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