23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Credit Card Company : Aspire The Company did some drastic changes to my account and I can not use my card any longer. 1. Changes to APRs that are already ridiculously high from 29.99 % to 32.99 % for purchases, 32.99 % to 35.99 % for cash advances. 2. Addition of Account Maintenace Fee of {$60.00} annually ( billed at {$5.00} per month ). I DO NOT know how CFPB could tolerate these increases when the consumer are suffering from the FED rate increases whose objective was to curve inflation!!! This is totally insane/evil and consumer will just suffer!!! 

YOUR OPTIONS : ( 1 ) If you decline their changes, they will peg the interest rate at that high level and close your account and you continue to pay at that high rate. They peg it because they know that the FED will start lowering the interest rate now that inflation is somewhat tamed. SMART MOVE hey! 

( 2 ) If you accept the changes, they will impose a maintenance fee of {$60.00} per year. 

So, CFPB do you see how those 2 options given to consumers are both ripping us off? Both options are in favor of the COMPANY, and the consumer is always at the losing end .... XXXX! I wish one of the options that they have given would at least be in favor of the consumers. But neither does!! ANALYZE IT CFPB ... DO NOT BE A LAME DUCK JUST SITTING OUT THERE. YOUR AGENCY IS MANDATED TO PROTECT CONSUMERS.
Product: Credit card

PayPal Credit has a program to allow deferred interest purchases for a promotional period. Their online payment system does not allow a user to make a payment to a specific charge or promotion Their minimum and automatic payments do not go towards the promotional balance and they have a penalty fee for not paying off the promotional balance and their process for paying off the promotional balance is very opaque and you have to contact customer service every time you need to make a payment towards a promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

during XX/XX/2021 i noticed that my identity has been stolen in fraud and used fraudulently to seek treatment
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I cancelled my internet through XXXX account in XX/XX/2023 when I moved from the residence. XXXX continue to charge my credit card after repeated calls letting them know that I had moved and cancelled the account. I received a collection notice from Sequium Asset Solutions to collect {$380.00}.
Product: Credit card

Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and XXXX monthly member fee. I understand the finances charges and the late fees, but why the XXXX monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a {$3.00} member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this {$3.00} member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.
Product: Debt collection

XXXX was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with XXXX. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX XXXX within the 30 day period of notification. 

XXXX did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from ARstrat dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to ARstrat, but the debt should have already been considered void.
Product: Credit reporting 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 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXXXX/XX/year> 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I purchased this Secure Spend prepaid Visa at my local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} to give to my son as a XXXXXXXX XXXX. The card did not activate properly with Incomm but my credit card used for the purchase was still charged the full amount. I filed a case with Incomm on XX/XX/XXXX but they have not resolved the case. My prepaid card still has not been activated.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I contacted Paypal about a dispute I currently had open and they didn't provide much information due to the fact the my credit card company was handling it. Shortly after at XXXX XXXX I received a email stating that I can no longer use PayPal services. Paypal is in violation of withholding confidential information as well as illegally enforcing their user agreement that has not been violated in no circumstance. I will be forwarding this information over to the State 's Attrorney General 's Office as well as the Federal Trade Commission. PayPal has a known reputations for these allegations and I will obtain legal representation regarding this case is this matter isn't resolved in a promptly manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to sign up for Experian 's credit report but I was unable to do so. Their system reported that my registration could not be completed and told me to contact customer support. I contacted customer support and was told that Experian does not have my credit report 's hard copy. I called Experian customer support daily for about a week and was able to eventually reach an supervisor. The supervisor tried to look up my information but was not able to. She told me that she sent in an internal form that I needed to wait for 3 to 5 business days for them to resolve my issue. I waited 5 business days and called Experian again but I was told that my credit report was still not found. Another customer support supervisor told me to wait another 3 to 5 business days for them to resolve my issue. I waited another 5 business days and called them again. This time, yet another different Experian customer support supervisor told me that they still do not have my credit report and they don't have a time frame on when my issue will be resolved. I asked for other forms of help and they could not provide anything. I have spent a total time of about a month to get Experian to locate my credit report but they still can not do it. Because I can not get any help from Experian, I'm submitting a CFPB complain to get my issue resolve.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, but this time there were discrepancies that appeared out of nowhere. I even tried refreshing my browser thinking it might be a glitch, but the inquiries didnt go away. XXXX really frustrated by this, and I urgently request that you thoroughly review the documents Ive submitted to resolve this issue once and for all.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company names JPMCB auto finance .has on goin disputes using transunion credit report company. XXXX Refused to remove this account. Been already been verified account doesn't match. Police report. JPMCB auto refuses to give any information due to account doesn't.match. I'm unable to receive credit continue denial decision due XXXX on going .Disputes records has went as far as XXXX using Consumer CFPB fair report company.. seen also alert CFBP.customers Has alert. using XXXX finial decision has been made. month XXXX XX/XX/year> received a letter written by. XXXX XXXX XXXX. Phone XXXX ext XXXX provided decision Monitory written off. Apologies for inconvenience thanks for my service.veteran. Closed file CFPB complaint.. requested survey. Instead.l Received different letter. on XXXX XXXX the letter stated Monterey write off was removed. l received a different alert CFPB. Provide a different letter requesting additional information. Which seems not fair.. So l Tryed contact JpMCB chase lto speak XXXX XXXX. refused to discuss matter..fellow co worked started XXXX XXXX. Will call me he was on the phone with another customer. XXXX t l called. Company started he left. For day. to resolve decision. l spoke to CFPB whom suggested l need to seek legal affairs. Due. How this account has been handled. Prior XXXX advised me to get police report. Who also stated informed information they have don't match .company couldn't provide me any information .l request JMCB. Chase auto to please stop report on my credit file company refuse XXXX l received different decision letter on the same day XXXX reported account being removed. From Off my credit report .l don't have any money. I don't owe this company who's using trans to force money that not owed..
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX at around XXXX I noticed a transaction from XX/XX/XXXX that I did not recognize on my Citi Double Cash card. I attempted to contact Citi via their dispute reporting tool, their chatbot, and multiple attempts to multiple phone numbers to get them to address the issue and possibly lock/replace the card ASAP since its information may have been compromised. However, over the course of more than an hour, I was unable to report the issue to Citi, apparently because their entire system was down for an update so I would just get error messages until it finally tried to connect me with a representative, at which point I would get a pre-recording message saying that their system is updating and try again in 2-4 hours before it hung up. 

I would understand if this was a local credit union, but this is the third biggest bank in the country and I believe my card number may have been stolen, so I expect that they would allow me to report this type of issue 24/7/365 and it is completely acceptable for them to not have any way for me to report the issue as soon as I discover it. A person should never have to spend multiple hours and make this many attempts to tell a credit card company when their card information appears to have been stolen.
Product: Credit reporting or other personal consumer reports

Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I would like you to remove this from my credit report
Product: Credit card or prepaid card

I received a letter today ( XX/XX/XXXX ) from Chase stating they are closing my credit card accounts. When I called the number on the letter to get some answers, the representative would not help and just kept saying it was not his department 's decision so he didn't know anything and couldn't do anything. When pressed to provide an alternate number where I could get an answer, I got their general customer service number, which again, is of no help. 
I searched online for other methods of contacting Chase and read hundreds of posts from other consumers whose account had been closed with no satisfactory explanation and one of them said to email the executive offices for a review of the case. 
I wrote an email detailing dates, the transactions that happened on those dates, and provided documentation about the legitimacy of the charges and payments ( I paid permit fees to the city where my business is located and paid off the charges the day the transaction posted to keep my balance low ). 
The email was returned because the one published email had a " fatal error '' in it and the other rejected my email because I'm an " unknown sender ''.

I am seeking a review of the case by a member of the executive team and a reversal of their decision so that Chase doesn't end up ruining my credit report.
Product: Debt collection

I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.
Product: Credit reporting or other personal consumer reports

I always check my credit report during mornings and I notice that unauthorized inquiries are appearing. I don't know why they're appearing but please do remove and block them. Please check the documents I've sent regarding this matter.
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 USC 1681. 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 a 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

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 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX5 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 a 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

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XX/XX/XXXX 1. XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I sent XXXX XXXX XXXX a request to validate debt. Today I received a letter back, but from XXXX XXXX XXXX sending just a copy of an old XXXX XXXX bill as validation. I also requested the information regarding who owned the debt ( no answer ), to provide a copy of their agreement with the original creditor ( no copy ), all statements for the account while it was open ( none sent ), I feel they did not provide sufficient validation.
Product: Credit reporting or other personal consumer reports

My account with UPSTART XXXX  was never late! I have had exceptional payment history with UPSTART XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


UPSTART XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports