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

Since my previous complaint has been closed by both you and Klarna, I suppose I need to open a new complaint regarding my 2nd account with Klarna. 

I just sent an email with this message to Klarna.. I have not received the XXXX monthly statement for XXXXXXXX XXXX  payment so far. it has NEVER been this late before, I have ALWAYS received it on the 2nd of the month. Seems like you are st Ill jerking me around. When can I expect my XXXX monthly statement for XXXXXXXX XXXX While the original complaint seems to be answered, now I have a complaint related to my other payment account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX updated a listing ( Bank of America : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; XXXX is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where XXXX proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.
Product: Credit card or prepaid card

Hello, I am due a {$500.00} bonus for successfully completing the requirements for both a publicly available and personally targeted promotion offered by XXXX from Bill Pay. 

Promotion : " To qualify, customers must XXXX ) open an account within 60 days of responding to this offer, XXXX ) spend a minimum of {$500.00} in Net Purchases on their XXXX business card within 45 days of account creation, and XXXX ) complete a balance payment of over {$500.00} per the account payment terms. '' XXXX from Bill Pay offered us a {$500.00} bonus. I fulfilled the requirements of the bonus offer from their promotion. I have documentation of both of the promotion and successful completion of the offer. 

I am expecting the {$500.00} bonus to be credited to me in some form. After I successfully completed the requirements with Divvy to be due the {$500.00} bonus, I received a notice that XXXX is unwilling to fulfill the {$500.00} bonus that I am due for completing the requirements. 

I reached out to customer support on XXXX XXXX to inquire about why they suddenly am unwilling to fulfill their part of the promotion for my account. I was told that because they closed my account that I would not be receiving the promised {$500.00} bonus for successfully completing the requirements of the promotion. Even the customer service representative told me she acknowledges that I did successfully complete the requirements and that she understands that this is frustrating for me. 

This is not acceptable for a company to do this kind of false advertising or to not fulfill their obligation to honor the promotion after the customer has met the requirements. 

Attached you will find information about the promotion as well as proof of successful completion of requirements. 
Timeframe XXXX XX/XX/2023 account approved and opened XXXX XXXX {$500.00} spending requirement met XXXX XXXX successfully made {$500.00} payment toward amount due XXXX XXXX the company representative XXXX I chatted with acknowledged that I completed the requirements for the {$500.00} bonus I am still receiving e-mails from XXXX  from Bill Pay acknowledging the promotion is active on my account. I have unsubscribed from commercial e-mails from XXXX from Bill Pay and continue to receiving unsolicited spam e-mails as well even after I previously have unsubscribed from marketing e-mails multiple times. Just this week, I received another e-mail offer from XXXX regarding a separate {$480.00} bonus offer. 

I just want this thing settled and I want the missing {$500.00} that I am due from completing the promotion. 

Looking forward to a resolution. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX Account info Account number XXXX Date opened XX/XX/2017 Account type Collection Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 
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 an account without my written instructions.
Product: Vehicle loan or lease

On XXXX i reported an auto accident in a private own location to XXXX insurance which days later XXXX declared my XXXX XXXX XXXX to be a total loss. XXXX agreed to pay off the car for a total of {$2900.00} but since the car was still under financing, the money would be redirected to the bank Credit Acceptance. The process took about 45 days in which I, without having a car, still continued to make monthly payments to the bank on time. Once the money from XXXX was sent to Credit Acceptance, the total amount was reduced. Credit Acceptance allowed me to pay the remaining balance in two installments. I made the payments on time and Credit Acceptance sent me a letter of XX/XX/XXXX stating that the contract has been canceled and that the account has been paid in full. 
There have been countless times between XXXX and XXXX that I tried to apply for a car loan and I have all been denied until the end of XX/XX/XXXX when I made a last attempt to request a personal loan at the bank of XXXX XXXX which I am notified of the credit denial because the credit report showed a delinquent of fund that was sent to collection. I further requested my own credit check from XXXX and found that during the time of settling the debt with Credit Acceptance and XXXX, Credit Acceptance reported me as Potentially having Negative in payments and that they had taken it to collection. The report says that the payments were made from XXXX to XX/XX/XXXX and from XXXX to XX/XX/XXXX they took it to collection. This report contradicted it sent since, from the same report, It also indicated that I made the payment from XXXX through XX/XX/XXXX. I have never received any letters nor phone calls indicated that this had occurred throughout the duration of time that i still continued to pay for my car after the accident. 
On XX/XX/XXXX, I called a representative from Credit Acceptance about what happened and their only response was that I have 30 days from today to dispute this claim but they are not able to change anything in my credit record. A bad report in my credit history at no fault of mine led me to the loss of time, employment, future projects and not only to me, but to my family as well. 

Thank you very much for your attention, I sincerely wait for answers
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all 3 credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, EQUIFAX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.
Product: Debt collection

Spring Oaks Capital LLC XXXX, VA XXXXXXXX Spring Oaks Capital LLC is reporting a open collection on my Consumers Credit Report stating I owe the some of {$4600.00} from a XXXX credit card. I requested a validation of this debt to prove that I owe this money + I requested proof of my SS # and the address associated with this debt. They provided me with a XXXX credit card statement showing that I owe {$2500.00} as of XX/XX/XXXX with a address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. This was from my 1st request. They sent me another XXXX statement stating that I owe {$4600.00} as of XX/XX/XXXX with my address being XXXX XXXX XXXX XXXX. XXXX, IL XXXX. These statements are fake because 1st off you can't have a Cc using a XXXX XXXX XXXX XXXX XXXX XXXX is a Office building. My credit limit is {$1500.00} but the over the limit charges are {$3100.00}. Cc don't let you go over by {$3000.00} these are fake statements. I feel I'm being a victim of a scam.
Product: Credit card or prepaid card

I am a recent victim of fraud through Bank of America. Withdrawals took place using my information from my Bank of America XXXX debit card at XXXX XXXX ATM 's. I spoke with XXXX XXXX, and the representative informed me that they do allow more than XXXX withdrawals made at once from their ATM 's. The copy of my bank statement shows two withdrawals done on XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX, and on XX/XX/XXXX, a balance inquiry of {$1.00} & XXXX made. The date and location for the withdrawals done on XXXX ; XXXX ; XX/XX/XXXX were at the following XXXX XXXX XXXX XXXX XXXX and XXXX and a balance inquiry at XXXX XXXX XXXX XXXX XXXX XXXX The thieves made a balance inquiry first to check if money was available in my account before they went on with making the more massive withdrawals. I filed a report with the police department in XXXX, where I reside and a claim with Bank of America on XX/XX/XXXX the day the fraud occurred and I became aware of the activity. 

I received a letter from Bank of America stating the following : Dated XX/XX/XXXX ; Claim # XXXX ; Amount : {$2100.00} ; Account ending in XXXX " We've completed our review of the above reference claim and have determined that no error has occurred in this instance. We now considered your claim resolved ''. 

I consider this unacceptable, and Bank of America should be refunding my money back to me. I contacted the XXXX police department, and they said they have seen a large number of similar situations like mine happening to customers of Bank of America. I believe Bank of America is responsible for refunding my money back for allowing unlawful access of my ATM card to the thieves who committed this XXXX. I would like to file a complaint on Bank of America for unlawful access to my card. 

I have not given out my card to anyone, and I am the only person that knows my PIN for this card. The card has been under my possession and I have not left my home, except for essential food shopping, due to our current stay at home order from the State of California. 

The XXXX of XXXX Police Report number is Incident # XXXX
Product: Checking or savings account

On XX/XX/year> at approximately XXXX I contacted my banking institution, Huntington Bank to ask for more information on a charge amount that I was unfamiliar with. I didnt recognize the description that the charge was displaying in my mobile banking app and simply asked the Huntington representative that I spoke with if they could provide me more information on the company. I was told that the description of the transaction that was provided in the app was all that they had. I was then asked if I wanted to dispute the charge and that if I wanted to do so I would have to close my account and get a new account number because the transaction was an ACH transaction. I declined this option and told the representative that I would just figure out who the company who initiated the charge and not proceed with disputing it. The bank rep asked if there was anything else I needed. I told her no and that conversation ended. 

However, on the evening of XX/XX/year> while attempting to make a debit purchase at a convenience store. I experienced an issue where my card was being declined for a small purchase. I knew that Id had more than enough money in my bank account to cover the item. So I called Huntington to see what was going on. When I contacted Huntington. Unbeknownst to me I was told that there was a hold placed on my account. It was revealed to me that even though Id instructed the Hunting rep from the XX/XX/XXXX call not to proceed with anything. There was a hold still placed on my account. There was no email, phone call or text message sent to communicate this to me. Had I not attempted to make the purchase on XX/XX/XXXX, I would not have known anything. In addition to this. I was told that I would have to physically go into a Huntington branch to get the hold lifted from my account. This was particularly troubling because I had a flight scheduled for the next morning of XX/XX/year>. So, I had to change my flight in order for me to be able to go into a branch and have the hold lifted. 

While I was able to have the hold lifted. It was later revealed to me that all of the payments for bills that I had submitted and were in the midst of being processed between XXXX XXXX had been returned for non payment. This resulted in incurrence of late fees from 2 credit card companies that I have cards with and XXXX XXXX XXXX who Im financing my vehicle from. This also resulted in my XXXX XXXX XXXX dropping by 50 points due to one of the XXXX XXXX credit card company reporting that my usage had drastically increased. Had the payment to this company ( XXXX XXXX ) not been incorrectly returned by Huntington due to the error made by the Huntington rep. Then my credit card payment, which was initially submitted on time ( XX/XX/year> ) for {$620.00} would have processed properly, along with my credit utilization and my credit score would not have been negatively impacted.
Product: Student loan

I have experienced the following problems listed below with my lenders. 
misleading about income -driven repayment plans and did not discuss with me payment options.

I tried to call my lenders and I was advised to give me a forbearance. 
This accrued interest significantly and this affected my credit and did harm to me. 

My lenders continuously Botching Payment Processing, the payment amount was not clear and I was not certain what amount to pay. 

mproving credit scores and consequences of federal student loans rehabilitation The principal balance that I owe is increasing due to compounding interest on my loans. I was advised my credit score would improve by refinancing. This has caused harm to my credit and I was steered wrong with this information.
Product: Credit card

Fraud Claim Denial Request for Explanation From XXXX XXXX XXXX, my husband and I celebrated my birthday in XXXX, XXXX. On XX/XX/year>, we attended an event hosted by XXXX in XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We arrived around XXXX XXXX  and stayed for about 1.5 hours, paying {$360.00} for a two-person section, one hookah, and one bottle of XXXX XXXX XXXX XXXX The waiter took our card to the back for processing, and we were charged at XXXX XXXX. 
Upon reviewing our charges on XX/XX/year>, we discovered two unauthorized transactions. Navy Federal confirmed that the card was not swiped, and no PIN was used for these transactions. Initially, Navy Federal incorrectly stated that the fraudulent charges occurred at XXXX XXXX  on XX/XX/XXXX, leading us to suspect a taxi driver, as that was our last payment. However, our records showed that the first authorized charge was at XXXX XXXX  EST on XX/XX/year>, with unauthorized transactions occurring at XXXX XXXX  EST on the same day {$600.00} and {$600.00}, respectively. We were credited {$1200.00} while the investigation was ongoing. 
Months later, the {$1200.00} was debited from our account, leaving us in the negatives. When we contacted Navy Federal, we were informed that the fraud claim was denied. We were told that claims are managed by a third party who can not be contacted directly and were advised to submit an appeal with any supporting documents. 
I submitted a detailed two-page letter, including event photos, timestamps, and a flyer. On XX/XX/year>, I received a letter stating the appeal was rejected. I called the fraud department and was informed that detailed information could not be provided over the phone due to privacy concerns. I was instructed to send an e-message through the app for more details. 
On XX/XX/year>, I received a generic e-message stating that the decision was based on monthly statements, merchant documentation, and internal databases, but further details could not be disclosed due to compliance. 
I spoke with Supervisor XXXX, who attempted to arrange a meeting with the security team but was informed that the only information available was that there was conflicting information. I was told the only way to obtain further details would be through a court order. 
The emotional and financial strain of {$1200.00} in debt has been significant. Navy Federal 's lack of transparency and failure to provide a legitimate reason for the claim denial is unacceptable. It feels like we were scammed twicefirst by the fraudulent transactions and then by the bank 's inadequate response. This amount is substantial, especially given the current economic pressures, and has placed us in a difficult financial situation.
Product: Credit reporting or other personal consumer reports

I value your help too removed a portion of the data on my credit file that came aboutbecause of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on anXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims andthey 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Evidence of Fraudulent Conduct. Date of last account verification and highest balance status are not accurate. XXXX XXXX is asserting highest balance as still owing and derogatory. XXXX XXXX closed the account however did not modify to reflect accurate verification date ; XX/XX/year>XXXX  and or current balance as PAID XXXX  XXXX BANKRUPTCY/ WAGE EARNER PLAN Theft of Identity & Tax Fraud : Impermissible Access and Misrepresentation of Facts : Written Off, Charged Off, Collections, settled, Transferred, debt are not validated. Borrower has not been provided requested and required IRS 1099-C Affidavits. Creditors did not adhere to FCRA Reporting Guidelines prior to falsely reporting. 

Creditors have knowingly misrepresented debt, refused to disclose supporting evidence by intentionally falsified records regarding account details to CRAs, CFPB, and IRS. 

The Washington State Consumer Protection Act, is a state law that aims to protect consumers from unfair or deceptive business practices. The WPA will grant consumers various rights regarding their personal data, including the right to access, portability, correction, deletion, and to restrict or object to the processing of their data in certain circumstances. 

XXXX XXXX is in violation of the FCRA guidelines. Above mentioned Furnishers are fraudulently reporting old or outdated, for account that are discharged PAID and CLOSED debt accounts. XXXX XXXX has fraudulently accessed credit reports for impermissible purposes, and without ethical intent of unbiased investigation from XX/XX/year> to Present Date. XXXX XXXX is intentionally refusing to disclose supportive documentation, with intent to engage in violating consumers privacy. 

Transunion, XXXX, XXXX and XXXX are required to investigate per FCRA Guidelines. Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation of facts by definition under FCRA. 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. 

Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. 

Penalties For Non-Compliance : Violations of the FCRA can lead to both civil and criminal penalties. Civil penalties, including nominal damages ( up to XXXX XXXX dollars if no actual damages exist ), actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with the Act. Civil penalties for " negligent noncompliance '' are restricted to actual damages and attorneys ' fees and costs. Criminal penalties may apply where an individual knowingly and willfully obtains information from a consumer reporting agency under false pretenses.
Product: Credit reporting or other personal consumer reports

My background check has information reporting that is not supposed to be reporting. This charge has been sealed and should not be available to the public. The case number showing is : XXXX. Experian has not corrected this incorrect info nor will they tell me why i no longer have access to my credit reports. Each time I try to purchase a credit report or access my reports, it shows as unavailable. Please assist with giving me access to my reports and to update my background information. Both issues are causing me a hardship with creditors, employment and renting a place to live.