23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a carecredit rewards mastercard and I noticed on their website and on the bowflex website they advertised 18 month promotional financing on bowflex products. over the course of two months i made a few bowflex purchases : XXXX XXXX XXXX BIKE {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX Kit {$290.00} XX/XX/2020 XXXX XXXX XXXX STOWABLE BENCH {$290.00} XX/XX/2020 XXXX XXXX Treadmill {$2000.00} XX/XX/2020 I used my care credit master card to pay for all these purchases. I have had two statements since these purchases and have been charged interest on all the purchases except for the dumbbell kit and the stowable bench. The only promotional financing i received was on those two products. I have since reached out to both XXXX and care credit/synchrony bank. Both tell me that I must talk to the other company and its been months without any resolution. 

I reached out to synchrony on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to bowflex on XX/XX/XXXX and called on XX/XX/XXXX and spoke to a supervisor who told me carecredit/my synchrony are the ones who would have to fix the promotional offer not being applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Hello, I sent a letter to Experian ( XXXX Mail ), letting them know that they are reporting XXXX accounts inaccurately on my credit report. Experian responded claiming they did an investigation on these accounts and they came back verified. As a consumer, I have the right to ask for proof of this investigation and they have not provided ANY proof. 

I have done everything I can as a consumer. Experian is breaking FCRA laws! 
I told them they if they do not show proof of an investigation, to either remove these accounts or update them to " Paid as Agreed '' and they have done neither. 

CFPB, I plead that you help me. I don't know what else to do. Experian is getting away with murder ( metaphorically speaking ). I don't think it's fair what they do behind your back and I seriously have all the proof that I've done what I'm supposed to do. 

The XXXX accounts in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have them update these accounts or have them removed. 

If not, please fine them. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ), they will not report me current. It shows I haven't paid since XX/XX/XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.
Product: Money transfer, virtual currency, or money service

I sent money ( {$260.00} ) via Venmo to a XXXX  relative on XXXX, XX/XX/2023 by mistake. I contacted Venmo as soon as they were open the next business day XXXX, XX/XX/2023 to inform them of the situation. I requested that the money simply be returned to my Venmo account. I verified what account I sent it to, and which account I meant to send it to. They stated her next of kin would need to contact them which they did. They electronically provided Venmo with her death certificate and her daughter 's identification. Venmo then indicated this was not enough and they would need probate papers. Her estate did not go through probate as she had no assets. They are still refusing to reverse the transaction and return my funds. The phone, bank, and debit card associated with her account no longer exists and have been closed so there is not a way to access her Venmo account directly to return the funds. The fact that they were provided her death certificate by next of kin should be sufficient.
Product: Money transfer, virtual currency, or money service

XXXX locked my account and gave reasoning that they believe I fell for a cryptocurrency scam. They asked me to verify information, which I did, and we even verified the transaction over the phone. I verified I did not fall for a scam, and sent {$50.00} dollars worth of crypto to a FRIEND. They then lifted some restrictions on my entire account but permanently locked my ability to send out crypto again. They will not remove the restriction, and are giving the same reason - that I fell for a scam. 

It's ridiculous that I verified a lot of information for them, and verified the transfer in question and told them it was a known wallet that I sent the crypto to. They are still blocking me from sending out funds from XXXX, but I can still buy/sell, and receive funds. That is very ODD. 

I need to have the ability to send out my cryptocurrency. This is illegal. I want to move all my crypto off this platform, but I can not. It will only allow me to sell which would trigger a taxable event.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # XXXX Privacy Act of 1974 Violations EXPERIAN 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity breaches of Government Computers Delete unauthorized Bankruptcy Dear, Experian I obtained my credit report online. There was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If Experian can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file The Bankruptcy Court has mailed me a letter which Empathetically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/ or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds, nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Court confirmed ( EXPERIAN ) has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated XXXX they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to consumer, and most cases, incorrectly, Considering the following information indicating a Fair Credit Reporting Act Violation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized credit inquiries appearing on my TransUnion credit report. Despite my repeated attempts to resolve this matter directly with TransUnion, no action has been taken, and I have received no correspondence or evidence of an investigation. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Actions Taken : 1 . XX/XX/XXXXXXXX  : I sent a written dispute letter to TransUnion, requesting an investigation into these inquiries. I made it clear that the inquiries were unverified, unauthorized, and unrelated to any account or credit application I initiated. I also requested : Proof of the investigation. 
Evidence showing I authorized these lenders to access my credit report. 
Immediate deletion of the inquiries if they could not provide the requested proof. 
2. XX/XX/XXXX : I followed up with a second written dispute letter to TransUnion, reiterating my concerns and restating my requests for investigation, verification, and potential removal of these inquiries. 

TransUnions Lack of Response : To date, I have received no correspondence from TransUnion confirming receipt of my dispute, nor have I been provided any evidence of an investigation or proof that these inquiries are legitimate. This failure to respond and act in compliance with the Fair Credit Reporting Act ( FCRA ) is unacceptable and a violation of my rights as a consumer.
Product: Consumer Loan

When I opened my auto loan with Wells Fargo I set up automatic payments to get a better interest rate. I have been having trouble with the automatic payments on my loan because there is no reminder feature so there were late charges on my account. This month my regular ACH Debit payment of {$300.00} was withdrawn for a different amount, it was {$450.00}, which I did not authorization. There was no warning or notice this extra money would be taken out of my account.How is is possible for the bank to randomly take money from someone 's account without telling them? In addtition Wells Fargo, charged me return check fees for my auto account, return check fee for the savings account, although the money was in the account, late fees and " assessment '' fees. What a scam! My savings account is also a Wells Fargo account so they knew the only money in the account was the authorized payment of {$300.00} so they intentionally took more money out of the account. Are they intentionally overdrawing people 's accounts to get all of the associated fees? I have made a complaint and was told that they are entitled to take however much they choose if there are fees but I was never told that this was the policy. Wells Fargo should be ashamed of themselves, stealing from their own customers. I thought Wells Fargo was such a reputable company but I guess if times are tough and they have access to your bank account " AUTHORIZED ACH DEBIT '' does not mean the amount you authorize, it means the amount the bank decides they are taking!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opening a new claim against Transunion. 
1 ) My initial complaint was on XX/XX/19. XXXX 2 ) Transunion closed the complaint on XX/XX/19. As noted in my response, their response was insufficient and they did not address any of the things I outlined in my initial complaint. 
3 ) I believe in retaliation Transunion decreased my score by 23 points from the time I submitted the complaint to todays date. 
4 ) According to them my utilization is now mysteriously higher. 71 % as of XX/XX/19 and 74 % as of todays date ( XX/XX/19 ). 
5 ) My utilization from the time of the complaint ( XX/XX/19 ) to todays date is LOWER. There is zero justification for them decreasing my score outside of sheer spite. 
a. I intentionally did NOT use any credit cards and paid towards balances, even though I had nothing due in some cases : ) b. And as per my original complaint, I had qualms with the utilization they were reporting. 
6 ) Again, I am asking Transunion directly to affirm or deny that they are NOT using my race and sex ( XXXX / female ) to impact my score adversely? 
a. Are white females, who make 6 figures with similar credit profiles rated the same or is there a disparity amongst certain minority groups? 
b. If someone did have a 3 % increase in utilization would it be standard to decrease their score by 23 points or is this reserved for some people?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife XXXX XXXX XXXX incurred a medical bill with XXXX XXXX for a XXXX XXXX for XXXX XXXX.. The bill was filed by XXXX XXXX XXXX XXXX XXXX correctly to XXXX XXXX at XXXX XXXX XXXX, XXXX NY XXXX. By Court Order, the mother is required to pay the bill and submit the balance to me. The motehr recognizes that the bill should be sent to her and has tried to correct the error. The agency changed the billing to me then back to XXXX then back to me when there was no payment. The mother has not paid any portion of the bill. My credit score decreased for XXXX to XXXX. 
Total amount due is {$2000.00}. I have no agreement with XXXX XXXX. I have sent two certified letters to the Credit Center at XXXX XXXX XXXX, XXXX CT XXXX and registered a dispute with all three credit agencies : XXXX, XXXX and XXXX but have been unable to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following companies have violated my rights. 

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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, In regards to the entry of : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXX XXXX XXXX XXXX, AS OF XX/XX/XXXX {$320.00} AT : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100  % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? REMOVE THIS ASAP! 

Your response to my prior Case : XXXX with the CFPB states : Company 's Response : Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that there is a fraudulent collection on your credit report. You stated that the account has been removed from your XXXX   report but remains on your Experian report. You would like the account permanently removed from your report. According to our records, the disputed account does not currently appear on your report. We are currently in the process of forwarding an updated copy of your credit report for review. If there is other inaccurate information, please contact us so we may assist you with any further disputes. For additional information related to fraud, please visit our website at : https : //www.experian.comXXXX or you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal.  It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 



*** I just ran an updated credit report screen from my experian.com account site and paid : {$29.00} for this new 3 bureau report. 
I see that you still have this account listed on my file, in which you just responded to the CFPB that it is not listed. You have again lied and are deserving of a lawsuit for fraud I urge you to remove this listing immediately. **** -- Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want you to remove the unnecessary inquiry from my loan report as soon as possible. To make it easy, I have put together an article to support this complaint.Please investigate this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get my annual free credit report from Equifax using the free report website. Constant for pay pop-up and ads try to redirect you. This should be a secure site free from all the XXXX. I was denied my free report for unknown reasons. I will be complaining to my congressional representatives and senators.
Product: Debt collection

I was never mailed anything that stated I could dispute my credit. The company only sent me letters that stated what I owed them without showing proof that I owed the debt.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I spoke with a representative at Transunion about some Identity Theft on my credit report. I asked that these items be removed/deleted immediately. I was told that I have to file a complaint with the FTC and CFPB. The items in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was part of the XXXX XXXX XXXX for XXXX XXXX specifically with the full-stack engineering course on XX/XX/2022. I was offered the opportunity and was offered the chance to finance through Climb Credit. I had some initial difficulty applying on my own so I had my husband apply with me and was approved for the total of the class. Due to outside circumstances, I unfortunately had to withdraw early and was offered a partial refund from XXXX XXXX since I had been in the class for 12 days, which was understandable. 

The refund process was a nightmare and took approximately 6 months for it to reflect as having been processed, which to this day still shows that I owe the full {$15000.00} despite the refund being processed weeks ago according to XXXX XXXX. Now, on this I will not fault Climb as I think the error was on XXXX XXXXXXXX XXXX end, however the refund was processed, according to XXXX XXXX, and as of me writing this I still reflect the full balanced owed, with a payment coming due in the coming weeks for that full balance. 

Where I begin this complaint is that the amount that was refunded seems to be vastly under what I actually paid out. I received a refund of {$9500.00} when I should have received a refund of {$11000.00}. It was explained to me by XXXX XXXX that this extra {$2300.00} or roughly 20 % of the value of the loan is a fee/tip/gratuity that Climb takes off the the top of the loan. Setting aside the fact that any financial product that takes 20 % of the value of the product as a tip is an extremely poorly designed financial product, that I normally would not have signed up for, I also noticed that I was unable to find this tip or anything mentioning this 80 % advance value loan in either agreement I signed with both XXXX XXXX or Climb Credit. I have uploaded both agreements and have gone through both. The 80 % advance and 20 % fee/tip is not mentioned in anything that I signed nor was it ever explained to me in either my conversations with XXXX XXXX nor with Climb Credit. 

I have also reached out to both companies and provided their breakdown or responses to each other. It appears they seem to think the the other is responsible for the missing money. I am less concerned about that and more concerned about why this 20 % missing tip was never explained to me or was never in any of the documents I signed and why that money was not refunded as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.