23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I attempted to purchase XXXX {$85.00} XXXX gift cards with my credit card via Paypal 's website. For unexplained reasons, I was only able to purchase XXXX of these as intended. For the last XXXX, PayPal only gave me the option to purchase with PayPal Credit. I reluctantly did so. No disclosures were made to me as to the details of the transaction with them to the best of my knowledge, but I was generally aware that they offered 6 months interest free on the purchase. 

I monitored my account on at least a monthly basis, as I wanted to make sure and avoid the interest. Each " e-statement '' I was e-mailed indicated a balance of {$170.00} and a minimum payment of {$0.00}. I was waiting for a statement that indicated a payment due so that I could pay in full and avoid interest. However, the first statement I received that showed a payment due was this month, and {$18.00} was already added to my balance. I had no warning that this interest would be added, and had never received any statement that seems to have indicated that the deferred interest would be charged until it already had been. I called Paypal and spoke to both a representative and a supervisor- the latter after approximately 20 minutes on hold- both of whom claimed they were not allowed to waive this interest, even if I paid in full today. 

I inquired as to the reason I was forced to use PayPal credit for my purchase instead of my credit card. The supervisor told me that sometimes there are purchase limitations for credit card purchases based on account history, but he said that my credit line had been open for some time and always in good standing, and that he ca n't understand why I would have been limited in this way. 

I believe that it was abusive to force me to use PayPal Credit ( apparently without justification under the company 's own policies ), and that it was deceptive to charge me more than 10 % of the balance without any warning, while leading me to believe that no payment was yet due.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 60 days 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. XXXX XXXX XXXX XXXX / 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 XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. I have noticed an unauthorized Hard inquiry on my consumer report and would like It removed effective immediately. Here is the information that relates to this unauthorized inquiry. XXXX ( XXXX ) XX/XX/year> I have never done business with XXXX XXXX XXXX and I do not have any open accounts with this corporation. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The previously stated inquiry must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Money transfer, virtual currency, or money service

I USED COINBASE A XXXX XXXX BASED CRYPTOCURRENCY PHONE APP TO P URCHASE AND SELL VARIOUS CRYPTOCURRENCIES DURING XX/XX/2021. THE PROCEEDS FROM THE SELL OF THE CYRPTOCURRENCY TOTALS {$37000.00}. I HAVE ATTEMPTED TO WITHDRAW THESE FUNDS FROM MY COINBASE ACCOUNT TO MY CHECKING ACCOUNT. FOR REASONS UNCLEAR WHEN I ATTEMPT THE TRANSFER ..THE COINBSE APP GIVES ME AN ERROR MESSAGE ON THE SCREEN : {$0.00} AVAILABLE. THIS INSPITE OF HAVING A COINBASE ACCOUNT CASH BALANACE OF {$37000.00}. I HAVE EMAILED THEM TWICE ... .BUT HAVE NOT GOTTEN THE PROBLEM RESOLVED..AFTER SEARHCING FOR COMPLAINTS ON COINBASE ON THE INTERNET..I HAVE COME TO FIND OUT THAT THIS A COMMON PRACTICE BY COINBASE TO LOCK CUSTOMERS ACCOUNTS OR PUT A HOLD ON THEM FOR LONG PERIODS OF TIME ..PLEASE ASSIST ME IN THIS MATTER THANKS BEST XXXX XXXX
Product: Student loan

Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The company reported a hard inquiry on my credit report when I did no business with them. I don't even recall ever giving them any of my information. They are in direct violation of the Privacy Act of 1974. 15 USC 1681b PERMISSABLE PURPOSES states that inquires can not be reported on a credit without my consent. That can be considered identity theft
Product: Debt collection

I have been looking at my credit accounts and reached out to every company claiming that I owed for something. There were 3 companies. 

XX/XX/ I wrote and mailed a dispute letter to each company which includes : Nissan Motor Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today is XX/XX/ and it has been 37 days without any response from any of the companies above. 

I have digital copies of my letters. I am simply requesting assistance to remove these accounts from my credit profile. 

One of the derogatory remarks on my account doesn't even have a balance, it literally says {$0.00} but is still hurting my credit. 
Please and thanks, XXXX XXXX
Product: Student loan

My student loan was previously with Navient now XXXX. Ive had my student loan for XXXX years and had made efforts to make repayment over the years. According to XX/XX/XXXX, Navient was sued and ordered to no longer service student loans. Millions of people were forgiven of their student loans and I want to be forgiven too. Due to their relentless tactics and predatory way of forcing me into either a forbearance or IDR ( income driven repayment ). It is only fair that my debt be forgiven as well because Im unable to pay, they used predatory tactics and Ive been on XXXX since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to transunion customer service several times about these inquiries and collections their under multiple spellings of my name different social securitiy numbers and birthdates even sent in a paper showing Im a victim of identity fraud and they wont take care of the negative inquiries and collections reporting on my report Inquiries *coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *leasing XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX XXXX XXXX desk XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX in the XXXX XXXX XXXX $ XXXX XXXX collections and XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XXXX $ XX/XX/XXXX *credit collection XXXX XXXX XXXX $ XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have a chase auto loan on XX/XX/XXXX i totaled the vehicle. My insurance company XXXX XXXX sent a partial pay off of XXXX on or about XX/XX/XXXX via XXXX tracking chase did not post payment to my account till about XX/XX/XXXX. this left me a balance of about XXXX I called them about XX/XX/XXXX they stated that they had to start the process of my gap coverage. I have gap insurance this became a long process because every time I called chase they claimed they were missing info needed to complete the gap claim. Finally the gap insurance claim was completed and the company sent them a check on XX/XX/XXXX. Again chase took a very long time to process this payoff of XXXX this did not post to my account till XX/XX/XXXX. I spoke with chase on XX/XX/XXXX now they claimed they needed a explanation of how the claim was paid and they were going to request it from my gap provider and this would close out my account and they would send me out a final statement if i owed any balance because once the payoffs were applied they accrued interest would have to be taken off I called to check the status on XX/XX/XXXX they are giving me the run around and are saying that the person on XX/XX/XXXX never ordered the gap claim explanation. they have continued to post late payments on my credit report and wont close my account
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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 a account without my writteninstructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent this money to this guy over PayPal, he tricked me into saying I need to pay w friends and family to recieve my item I was promise. After I sent through PayPal friends and family, I then was blocked and he said get scammed. Can I please have a full refund of my money.
Product: Credit card

Chase is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I pulled my credit reports and noticed several accounts XXXX and Experian are reporting inaccurately. On both credit reports Experian and XXXX are reporting inaccurate and unverifiable late payments on 4 accounts. on XX/XX/2022, I mailed XXXX and Experian letters disputing this information and demanding verifiable proof that this information is accurate, up-to-date and true ( see certified tracking slips + letters attached ). I have never been late and I know for a fact I have never been late more than 30 days on any account I have ever owned. XXXX exhibits attached. 

On XX/XX/2022 I contacted XXXX ( an account both CA 's are reporting inaccurate late payments for ) and I spoke with 2 representatives at XXXX PM EST, using number XXXX, XXXX and XXXX XXXX # XXXX in the Members Resolutions Department, regarding the alleged late payments. Both representatives CONFIRMED that the information is indeed INNACURATE. 


This information is inaccurate and hurting my credit worthiness. My rights are being violated when both credit reporting agencies are failing to ensure all information placed on my consumer credit report is verifiable and true. I don't appreciate my credit reputation being damaged in any way.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. XXXX letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
AMERICAN EXPRESS XXXX/XXXX/2016
Product: Mortgage

Freedom Mortgage needs to stop sending me Cash Out Refinance marketing materials. I receive at least 1 of these mailings per month. I have called them and asked that they stop. I asked to be opted out of all marketing materials when I called. In addition, I completed an Opt Out letter they sent and returned it. They responded with a letter confirming that I was opted out. However, I continue to receive these letters monthly.
Product: Checking or savings account

Here is my original complaint : XX/XX/year> I tried to access my XXXX. It is with Optum Bank. I was on the phone with their XXXX " customer service '' for nearly an hour. After repeating myself several times, I finally got a " supervisor '' who asked the same XXXX questions, even after I told him repeatedly the answers. He was going to send me an email to access my account, but " his back-office was down ''. My login and my password is saved in my computer, but the next screen is a VAGUE challenge question that I have never seen. REPEATEDLY TOLD BOTH " CUSTOMER SERVICE '' REPS THIS. Now after reading XXXX of horrible reviews on line, I find out that they are likely charging me a service fee each month on an account I can't even access. Your next page asks for an account number ( on a billing statement ). I HAVE NEVER RECEIVED A BILLING STATEMENT!!!!!! 

After over XXXX hours in phone calls and email exchanges, NOTHING IS FIXED. They repeatedly lied in writing ( via emails ) and they lied in their response to my origial complaint wth you. NOTHING IS FIXED AND THEY DON'T CARE BECAUSE NO ONE MAKES THEM CARE!!
Product: Mortgage

Multiple Requests submitted

for Request for Mortgage Assistance/Workout/Modification. Multiple correspondence to request for adjournment to a later date to have review of RMA. Denied due to 37 days or less from sale date. Denied in writing regarding adjournment and then the plaintiff does grant an adjournment prior to the written notification. No one notifies me until after I called several times and corresponded through email and through a complaint on this portal ( CFPB ). Received a new sale date ofXX/XX/18 still less then the 37 days law to review an RMA. Why adjourn for 28 days and not the 37 days? Use my adjournment at the XXXX  County SHeriff 's office on XX/XX/18 to have the date moved to XX/XX/18. This moves the sale date 56 DAYS from the sale date. More then enought time to review and workout the loan modification. Submit all pertinent information with another formal request for a review of an RMA on XX/XX/18. Submit the XXXX County new sale date to show the date has been moved to XX/XX/18. XXXX XXXX from attorney 's office XXXX ( XXXX  hired attorney ). FIRST CALL from their office after many non returned calls and/or correspondence. She was calling to let me know NOW the new sale date they postponed till is XX/XX/18. This was set onXX/XX/18 and only receiving a call to notify me on XX/XX/18. Explained the situation but the attorney just reminds me they are only hired for the foreclosure and the decision is on behalf of the bank. Just reminds me to call SLS again to make sure they have my new sale date and to request a workout with them. Called SLS Yesterday XX/XX/18and spoke to a representative XXXX to ensure the documents that were received AGAIN ( 2nd request ) for the RMA request and workout. Please note that I have been using the same email address to correspond to SLS and had no issue prior of them uploading requests and documents into the system. As of yesterday the documents and request below that were sent at XXXX XXXX on XX/XX/XXXX were not uploaded or even documented that they were received. I find this very frustrating and unfair as I have been told by numerous SLS customer representatives that it takes 24 hours then you will see the items in their system. It was over 48 hours and still nothing. Why???? I fill the bank XXXX/SLS are not be fair to me the consumer for this loan. This is a not fair housing opportunity to have a workout/modification for the loan on the property. This is yet another attempt to have a FAIR review since NJ CItizen Action Agency and I have worked on the financials and are confident that the loan can be brought current and the bank can have the money owed to them if a modification is put in place.
Product: Student loan

My account shows student loans that have not been paid on and they are currently on a freeze. But if you look at account it looks like I am avoiding making payments which I believe is impacting my credit score and should be fixed. I also have a derogatory remark which is high impact that should not be on my report.
Product: Credit reporting or other personal consumer reports

I have asked serval times that Experian update my credit report and make it available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX/ {$8000.00} / XX/XX/2022