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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.
Product: Payday loan, title loan, personal loan, or advance loan

I have been using Sezzle for several years it's a bit now pay later business that allows customers to pay in 4 installments. Most recent I upgraded my subscription to premium account {$17.00} so that I can pay anywhere as long as it is within the amount allotted. The original subscription was {$12.00} but I was only allowed to purchase at selected stores.Initially was given {$50.00} - {$100.00} to spend. Now I have Spending power of {$500.00}. This is not just because of the upgrade. I'm evaluated on my ability to make on time payments. In the instance I can not, they have a rather flexible rescheduling process. However recently they've added to their process fees that I find to be unfair and exorbitant. There is a convenience fee of {$1.00} they ask to update the default payment method to avoid this charge. However they've been charging these fees per installment even though my default method has not changed. They also have added to the fees they charge {$5.00} if their attempt for repayment is declined. For many reasons this can happen. In my case XXXX XXXX will decline charges first until they get my verification. There is nothing I can do to change this because I've tried. This few in particular I believe is a money grab for this company because they don't give customers any other option to pay except for paper checks that can easily be delayed causing late fees if not processed in an account on the due date. The other option is walk ins if you live in the state of their office. They will start a payment process at XXXX PST. My benefits check does not always clear into my account sometimes until after XXXX XXXX. Because of their non willingness to make adjustments I will automatically get fees. I've sent notice of this without getting a response until days late. I this time they have added on to the expected charge up to {$20.00} without the consideration they are now causing insufficient funds set for other merchants. I am a person living in a fixed income my account is not set up and I can not afford contingencies. I would like very much to know is this not something that the CFPB could regulate. Or instead of company 's locking people into rigid payment options. Giving consumers fair options as long as they are on or before the repayment due date. Otherwise this is an unfair way for company 's to profit indirectly. I know I have the choice of patronizing this business or not. Originally this was a way for me to afford purchases I would otherwise have to pass over or wait longer to get sometimes missing sales or other promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate
Product: Credit card

Capital One randomly and without my consent to reject ; has increased my credit limit three times in the last year. These have been significant credit line increases. Capital One says because of my good standing, they increase my limit. However, they refuse to lower my interest rate. I have a high interest rate and Cap One keep raising the credit line to potentially extract more money from me. It seems this practice is unethical at best, because if I 'm such a good customer, then lowering my rate would be the best practice. I contact the XXXX about this and Capital One replied w/ a scripted response. Capital One is practicing in unethical practices by not allowing the customer to decline a credit line increase and they say " accounts are periodically reviewed for credit line increases '', but say my account is n't eligible at this time for an APR reduction? Makes no sense. If I 'm such a good customer, then trying to squeeze more money from me on a high interest rate from credit line increases is very much a sleazy tactic.
Product: Credit card or prepaid card

Customer service transfers you over and over and you get the runaround. My question relates to getting the Account and Routing numbers. Prepaid cards DO have this as well. B of A is dragging their feet because they told XXXX  they wanted OUT of the contract to provide the service. 

Online threads ( see attachment ) report that people have been able to get this information- so it has to be available somewhere.
Product: Money transfer, virtual currency, or money service

Issue : XXXX Play Store displays a subscription for XXXX Plus as " $ XXXX + tax '' without disclosing the actual tax amount. I had an existing {$10.00} in XXXX XXXX credit and purchased an additional {$10.00} ( totaling {$20.00} ), expecting that to be enough. 

Upon attempting to complete the purchase, the payment was declined due to insufficient funds, with no disclosure of the actual final price or tax amount. I contacted XXXX support requesting either a refund of the {$10.00} or the ability to purchase the remaining {$1.00} separately. Both requests were denied. The only option offered was to purchase another {$10.00} credit, effectively leaving me with a now unusable balance. 

This is the second time something like this has happened to me with the XXXX XXXX XXXX services. The purchase process lacks transparency, offers no tax estimate, and traps users into buying more credit than they need, with no ability to recover funds or top up in small increments. 

This appears to be a deceptive and unfair billing practice designed to create stranded credit and push unnecessary purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C.1681C. ( a ) ( 5 ) section states. : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15. u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion explaining that I had sent them the identity theft report that they requested but once again another stall tactic stating that the document was blurry. I am again asking that these fradugelent inquires be removed from m credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX XXXX in 2017 amount {$2000.00}
Product: Debt collection

A door to door salesman for  XXXX   XXXX  came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by  XXXX   XXXX  that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from  XXXX   XXXX  in collections. I called the debt collection company and they gave me the account number to resolve with  XXXX   XXXX . When I call  XXXX   XXXX  with that account number it comes up as a different person 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to attach my XXXX credit card to my PayPal wallet via the PayPal app to make a secure purchase. While attempting to attach my XXXX credit card to my PayPal wallet, PayPal asked me to verify my personal information. After I entered my personal information, I received a notification from PayPal congratulating me on my new PayPal credit card. I immediately contacted PayPal who confirmed that PayPal ran my credit, and was granted their credit card. I had no intention of applying or obtaining a PayPal credit card. PayPal transferred me to Synchrony Bank, at which time I immediately canceled the PayPal credit card, and asked them to take off the hard inquiry on my credit report. The Synchrony Bank representative canceled my PayPal credit card and informed me that a letter would be sent to the credit bureau to remove the hard inquiry off of my credit report. 

On XX/XX/year> I received correspondence from Synchrony Bank informing me that the hard inquiry would not be removed off of my credit report. ( See attached letter )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my Trans Union, XXXX and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}
Product: Debt collection

RMP LLC has contacted me numerous times, I have requested for them to send me the debt proof via mail and they have failed to, since then they have been harassing my children, my co-workers and my boss about this debt that is 7yrs old which I do not owe. I have paid all of these off. I have told them I don't conduct business over the phone and I am requesting the debt to be mailed to me and again they have not done that.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to be responsive and REPAIR these accounts that caused me so much trauma. 

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

Subject : Dispute of Incorrect Last Name on credit report.
Product: Debt collection

Enhanced Recovery Company continues to add a debt to my credit report that I do not owe. I have disputed it twice, and Experian removes it, but the next month or more it is back on there. When I called Enhanced Recovery Company, I was told that I owed XXXX. I have not had XXXX in 10 years and I do n't believe that XXXX would have waited 10 years to inform me about a debt. I left XXXX in good standing. My current credit score is XXXX. I am beginning to get really upset that I have to continue to dispute this false debt. It is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I looked at my ( XXXXXXXX/equifax report on XX/XX/2024 and noticed some things are incomplete and not accurate. I have one late payment reporting 30days late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX which reported a 30 day late payment inXXXX. They have violated my rights. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this information can not be verified I demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Product: Credit card

I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.SXXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Mortgage

On XX/XX/XXXX I sent an application to refinance our existing loan with Chase ( 1st ) & XXXX  XXXX XXXX ( 2nd ). I sent them documents as requested. On XX/XX/XXXX XXXX advised Chase needed to send me a revised Loan estimate. Due to miscalculation of escrow needed. XXXX advised they were requiring 18 months of monthly income to be shown in a savings account, Ira, etc. In my Ira I have approximately {$41000.00} and in a savings account I had {$9800.00} which XXXX advised we needed to put in an additional {$10000.00} which I got from my husband and he provided them with a gift letter which they requested. On XX/XX/XXXX XXXX said they still wanted to see an additional {$2200.00} which I transfered from my checking account. On XX/XX/XXXX Chase sent me an email stating : XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) Hi XXXX, Your home loan application documents will be available for the next 30 days. 

To download these documents for your records, sign in to your account. 

Please contact us if you have any questions. Were here to help. 

Thanks, Your Chase Home Lending Team I sent it to XXXX and asked him to call me. 

He called me and said that he didn't understand but he stated they were concern about the large deposit of {$10000.00} which they were provided a gift letter from my husband. 


Now to give you the reasoning to refinance and details of my finances. 
My husband and I wanted to switch the existing variable loans to a fixed and take advantage of the current lower rates. I have no mortgages under my name and my husband has several so we decided to refinance under my name and allow him to remove this mortgage for any future additional business loans he may want. 

My total credit outstanding is {$8600.00}. 

Your XXXX  Credit Report from XX/XX/XXXX Showing report for : XX/XX/XXXX Credit Score Fico Score XXXX is XXXX XXXX  Data XX/XX/XXXX My total debt is comprised of : XXXX {$1700.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX   XXXX {$5900.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX CARD {$950.00} Balance updated XX/XX/XXXX Exceptional payment history The XXXX is used and paid by my husband. I'm on as an additional card holder as well as my daughter. 

Overall Credit Usage is : 8 % Credit used {$8600.00} Credit limit  {$90000.00} The total mortgage of both loans equal {$190000.00} and are actually paid by my husband. 

I earn approximately {$85000.00}. 

Regardless of who pays I believe I highly qualify under any government guidelines or regulation s for this type of mortgage. 

I can only believe that the bank is reluctant to earn less due to the reduced interest. 

That to me should fall under unfair banking which I would hope this body will look into. 

Please advise if you need any of the documentation I have provided XXXX  and I will gladly forward them. 
My loan Id # is : XXXX I hope you assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. XXXX  XXXX XXXX has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. XXXX  XXXX XXXX XXXX  is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.
Product: Money transfer, virtual currency, or money service

XX/XX/20 XXXX {$300.00} Money Gram online money transfer # XXXX initiated debit card on my checking account at XXXX XXXX  XXXX Receiver called an hour later saying Walmart in XXXX XXXX IL refused him money because his valid photo ID triggered some sort of fraud warning. My MG profile history online account still shows money ready for pickup. MG website Q & A : " Canceling a Money Transfer. How do I cancel money transfer? There are multiple ways to cancel a money transfer : If you sent the transaction online and you have a profile, log in to your profile and find the transaction in your transaction history. There is an option to cancel it on the Transaction Details page. How long will it take to get my refund for a money transfer? It typically takes 3-10 business days for the refund for a money transfer to appear on your credit/debit card or bank account, but may take longer. '' If XXXX 's XXXX authorized agent refuses service to some fraud reason ( not made known or declared to sender ) then transaction should not show open 2 days later. MG cancellation instructions quoted above are bogus ... no such option exists on said page my profile. Attempted resolution through MG website contact us form twice. No reply Email response from MG assigned case numbers XXXX and XXXX respond to you " shortly ''. Two days is sufficient time to respond to two separate case requests. MG should not be allowed to prevent cancellation of money transfer and immediate return of funds to checking under the excuse of fraud prevention regulations used by their authorized agent.
Product: Credit reporting or other personal consumer reports

I HAVE reviewed my credit profile for the first time and noticed I have unauthorized accounts that were not mine and I never opened these accounts also have addresses that did not belong to me or personal information. ACCOUNTS - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX