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

I have made several attempts to have XXXX, XXXX XXXX XXXX  XXXX removed from my credit report with TransUnion. I paid that balance off in full in XX/XX/2018. TransUnion is in violation of my rights. This credit agency refuse to remove the account from my report. My credit score is at all time low as a result of them refusing to investigate. This is also a very old bill. I've moved into a new apartment after losing my home due to theft and abuse of my personal information. I have a new account number with XXXX, XXXX XXXX XXXX  XXXX. If only TransUnion take time to look into this matter with XXXX XXXX XXXX XXXX  XXXX.
Product: Credit card or prepaid card

XXXX : Capitalone credit card # XXXX I have had this card for approximately 2 years. Have never had a problem paying my bill on line. I have never been late with a payment. Actually I have never been late with any payments on any credit card, my credit report will reflect this. On Saturday XXXX XXXX, XXXX I went to my computer to pay my bill. It generally takes 1 to 2 minutes. I was short on time and was expecting my grandson. I went to Capitalone website, logged in, but site indicated a problem with ID or password. I tried several times. But was not successful. I called customer service, spent time discussing the situation. Finally customer service walked me through the process. We determined together that there was not an issue with ID or Password, BUT Capitalone put me through the procedure of claiming there was a problem in order to get information. Before I could access the site and pay my bill I had to answer 2 questions. # 1 What was my income? and # 2 Where was I employed? I asked to speak to a supervisor and we discussed this AGAIN! I was upset at the way Capitalone set out to obtain this information. The supervisor agreed. Capitalone lied to me, or at the very least misled me to believe there was a problem with ID or Password and prevent me from paying my bill and wasting my time. I can understand Capitalone wanting information and if they do not receive that information, they would have the right to cancel the credit card. My arguement was the rude, inconsiderate, phony and insensitive way they set out to obtain that information. I believe I should have been notified with a letter or email or on my paper statement, or when I went to pay my bill at the website, there could have been a note there requesting information they were seeking. Again, that was a very poor way to treat a customer/consumer. The supervisor wrote up a report and said she would discuss with a resolution person (??? XXXX. The supervisor put the resolution person on the phone and asked me to explain the situation to her. My XXXX XXXX was getting a workout!!! I had just spent a considerable amount of time discussing entire situation to customer service representative and supervisor! I was being asked to repeat that again??? I have removed their credit card from my wallet and will no longer use it until I receive a satisfactory explanation and apology. If I do n't receive that explanation or apology I want my accounts with Capitalone to be terminated.
Product: Debt collection

I have received telephone calls from an " unknown number '' to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and ask who is calling, I am told that it is XXXX from Ally bank, looking for [ my sister 's name ]. The individual states that my sister and her boyfriend are clients and they are not answering their phones ; the bank is trying to reach them. They stated that they found my cell phone number via a " public database ''. I have asked for my telephone number to be removed from their list, and stated that this number is not associated with my sister, yet they continue to call.
Product: Student loan

My loan lender is Nelnet. I am on an income based repayment plan which requires I pay 15 % of my discretionary income. Nelnet advised that if I received a change in pay that I should request a re-calculation of my income based repayment amount. I was paying about $ XXXX with my re-certification due in XX/XX/XXXX. I recently adjusted my XXXX, which resulted in less take home pay per month than what the $ XXXX was based off of. Based on Nelnet 's recommendation, in XX/XX/XXXX I requested a re-calculation of my IBR and sent in a my most recent paycheck ( which had significantly less take home pay than my previous IBR amount was based on ) and a signed document demonstrating my non-paycheck income, which was negligible. Despite having a significantly lower take home pay, when I received my re-calculated amount, I owed {$140.00} more per month. When I called Nelnet, they stated that when re-certification for IBR is based on a recent paycheck, then they calculate my discretionary income based on the total gross pay, before taxes and tax exempt deductions, not on my actual take-home pay. When I asked where this was explained to borrowers, they were unable to provide me where this was ever disclosed and could not explain where a borrower could find this information. They also could not explain why it was based on my gross take home, which guarantees that I 'll be paying far more than 15 % of my discretionary income, despite assurances that I would never pay more than 15 % of my discretionary income. Now, after requesting a lower amount based on a lower take-home pay, I end up owing {$140.00} per month more than I was paying before my requested re-calculation. I read all of the forms provided by Nelnet and nowhere does it say that re-calculations based on recent paychecks would be calculated on the gross pay. Calculating discretionary income this way does not make sense, especially keeping the purpose of IBR in mind. Had I known that Nelnet would have done this, I would not have re-certified my income until I was required to for the yearly requirement in XX/XX/XXXX. I will now have to pay an additional {$880.00} over the next 6 months that I would not have otherwise paid, all because Nelnet failed to disclose how it recalculates IBR payments and discretionary income when a borrower sends in a recent paycheck as evidence of current income. Nelnet not only failed to disclose this, but has been completely unable to show me any sort of confirmation that this is how re-calculations are supposed to be done. It seems that Nelnet is actively encouraging borrowers to request recalculations based on a borrowers ' take-home paycheck being lowered, only to increase the monthly amount owed by the borrower by re-calculating the monthly amount by using the gross paycheck amount instead of the take-home amount. This is very dishonest and will cost me {$880.00} over the next 6 months, in addition to the money it will cost an untold number of other borrowers they are doing this to. Nelnet should make this information available to borrowers ( if it is even legal for Nelnet do this ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am wanting to formally dispute the inaccurate and inconsistent reporting of the account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. Upon reviewing this account, I have identified multiple errors and inconsistencies that warrant its removal from my credit report.Based on the account details provided in the report, the following issues and potential violations of the Fair Credit Reporting Act ( FCRA ) are identified : XXXX. Inconsistent High Credit Across Bureaus : The High Credit is reported as {$4900.00} by XXXX and Experian, but XXXX reports {$5800.00}. This discrepancy violates FCRA XXXX ( b ). 
XXXX. Conflicting Date Last Active : The Date Last Active differs across bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX This inconsistency affects the reporting timeline and violates FCRA 1681e ( b ).

3. Inaccurate Payment Status : The account is listed as Collection/Chargeoff, but comments indicate it is being managed by credit counseling services or a financial counseling program. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
XXXX. Untimely Updates : The Last Reported date is delayed, with XXXX and Experian showing XX/XX/XXXX, which raises concerns about compliance with FCRA 1681s-2 ( a ) ( 2 ) requiring timely updates.

5. Unverifiable Information : Given the conflicting information, it is unlikely the creditor can substantiate the accuracy of this account. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted.

6. Potential Re-aging of Debt : Discrepancies in Date Last Active may indicate re-aging of the debt, violating the 7-year limit for reporting negative accounts under FCRA 1681
Product: Checking or savings account

Hi, PayPal recently shut down my account without warning. They stated that my account was shut down because of " unusual activity. '' They did not ask to see any records or invoices, nor did they ask or try to help me resolve this issue. I then emailed them asking why my account was shut down, and on XX/XX/2018 they sent an email saying my account was shut down because of " unusual activity. '' Why don't they help me figure out a solution? Why don't they ask for more information about my business? Why don't they tell me which kinds of transactions are unusual and why?
Product: Checking or savings account

I opened an account online as part of a new account bonus offer that included a checking and savings offer. I opted for the checking only and the savings was also. I was supposed to get {$300.00} for opening a checking account and having direct deposit of {$250.00} or more in 2 consecutive months. I satisfied those qualifications and I called to check the status of the bonus and was told that there wasn't one and I needed to bring in the coupon to the branch. Since none of the disclosures were provided to me in any other method than on the screen online, they don't keep them online along with other account documentation, I had no way of finding the information regarding the 3 month old coupon. I was told by customers service to find any coupon, bring it to the branch and maybe they might be able to help if they are willing make an exception. Exception for what? Their systems not honoring a promise? More work on my end needs to be done because of a bait switch scenario it seems.
Product: Credit card

I could not make my credit payment to American Express for the full charge amount. I asked for a payment plan. I have been a card member, in excellent standing for eight years. I have paid, as agreed monthly. I was told via chat with AMEX and via phone with AMEX that this would not be reported to the credit agencies as unpaid. It was reported as unpaid the same month I applied for the payment program. My credit has declined significantly due to this.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

I am writing to dispute certain account listed on my credit report, which was reported by your credit bureau. The account in question are as follows : XXXX XXXX XXXX. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.
Product: Credit reporting or other personal consumer reports

I'm writing to convey my significant worry concerning a couple of addressed accounts that remain mistakenly recorded on my credit report. Regardless of different undertakings to address these slip-ups and reiterated requests for a thorough assessment, there has been no objective or healing move made to date. 

These off-base records are genuinely hurting my credit archive and generally disturbing my ability to have a normal presence. The negative repercussions of these blunders have caused monstrous challenges, and I'm left with no choice aside from to contend for your close by assist with reviewing what is happening. 

I generously request that you direct a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to invigorate and review my credit report immediately. With your help, I want to restore the accuracy and genuineness of my credit archive so I could recover control over my money related thriving. 

I really urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be very significant. 

Thankful to you early on for your cognizance and help.
Product: Debt collection

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

1. Unfair and Inaccurate Negative Credit Reporting : I am writing to file a formal complaint against Affirm for unfair and inaccurate credit reporting practices. Specifically, Affirm has reported late payments on my credit report, negatively impacting my credit score. 

However, Affirm has never reported any of my previous on-time payments to the credit bureaus. This selective reporting, where only negative information is shared, is fundamentally unfair and misleading. 

This practice creates a skewed perception of my creditworthiness, as it only reflects negative events without any corresponding positive payment history. 

2. Lack of Consistent Reporting Standards : It is my understanding that Buy Now, Pay Later ( BNPL ) companies, including Affirm, should not report negative information if they have not consistently reported positive payment history. This is based on the principle that a complete and accurate credit profile requires a balanced representation of both positive and negative financial behavior. 

Many consumer advocacy groups and financial experts have raised concerns about the inconsistent reporting practices of BNPL companies. Reporting only negative data creates an incomplete and potentially damaging picture of a consumer 's creditworthiness. 

It is my understanding that the CFPB has been looking into the BNPL sector, and the unfair practices that are being used. 

XXXX. Difficulty Accessing Assistance During Financial Hardship : Furthermore, Affirm does not provide easily accessible avenues for customers to seek assistance during periods of financial hardship. 

Navigating their customer service channels to request payment arrangements or other forms of support is unnecessarily difficult and frustrating. This lack of transparency and accessibility exacerbates the negative impact of late payments, particularly during unforeseen financial challenges. 

I have attempted to contact them and have received no assistance.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXXXXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through XXXX XXXX. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXX XXXX to pull credit. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a XXXX Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I placed an order with the merchant XXXX and used Klarna as the form of payment. Klarna stated that I was approved and the payment was processed and the transaction was complete on XXXX website. On the XXXX of XXXX I recieve an email from XXXX stating my order has been canceled. I contact XXXX and they respond on the XXXX of XXXX that my order was canceled by klarna due to " suspected fraud ''. I have made multiple attempts to get answers from Klarna starting on XX/XX/XXXX using their in app chat feature. The first representative told me that I should be able to place the order and to try again since I was approved. I did try again only to be told on the merchant site that was not an option available to me. I went back to the chat feature the same night and spoke to another representative that told me to call into klarna customer service the next day that it was maybe a technical issue. I called Klarna the next day. I was not given any information just told someone from the account services would contact me. They never did. On XX/XX/XXXX I recieved an email from XXXX XXXX a Service Specialist apologizing for the delay and stating that someone would be reassessing the matter. On XX/XX/XXXX I reached out to XXXX again and they tried to reach out to Klarna to get clarity multiple times since. On XX/XX/XXXX I replied to the email from XXXX XXXX at Klarna and she still could not give me any information of the " suspected fraudulent activity '' on my account and they still have not tried to verify my identity with me. XX/XX/XXXX XXXX XXXX responds and we have back in forth most of the day. I ask for her supervisor or upper management and she refused. I asked to have my matter escalated and she refused, I told her there are laws and regulations against this and if credit is denied they have to say why within so many days. She hides behind the fact that my credit was approved. Well is it really approved if you then cancel my transaction for " suspected fraud '' and never attempt to verify my identity. XX/XX/XXXX, 20201 I also call Klarna customer service again and get the same run around. they tell me they can't transfer me and that there is no supervisor for me to speak to. The answers that I want can only come from an account specialist and I can't speak to one. They will only contact me if the flag is removed I will get an email. To make matters worse, I have placed other orders using klarna with the same information and they were not canceled. There is no reason for this flag that has been disclosed to me as the consumer I have a right to know if my information has been compromised.
Product: Mortgage

I am going through the foreclosure process. The last two statements include late fees and I have not received the closing documents with both parties signature. I requested them in writing in XXXX. When I get documents a lot of information is missing or not provided. 
Errors have been made in the payment history. All documents needed.