23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used PayPal Credit to finance the purchase of a IPhone 6 on XXXX. PayPal Credit promises protection when buying online and this encouraged me to use PayPal Credit when purchasing from XXXX. I received the IPhone XXXX and after a short while, XXXX " LOCKED '' the telephone due to some fraudulent activity by the prior owner. I could no longer use the IPhone. I immediately contacted PayPal Credit for assistance in combating the fraud perpetrated upon me. Also I am still paying off the IPhone by using XXXX XXXX 's 18 month payment plan. XXXX XXXX refuses to assist me in getting credit back from the seller because PayPal Credit claims that 14 days had lapsed prior to me contacting them. However, TMobile did not lock out the phone during the first 14 days. I relied on PayPal for this type of fraud protection. 

XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX -negative {$560.00} Payment Paid withPayPal CreditXXXX x {$35.00} Make a PayPal Credit payment Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX your shipment XXXX XXXX, 2016, Sent by XXXX : ShippedTransaction XXXX Seller XXXX Ambulance XXXX XXXX ( XXXX ) Your purchase New Sealed iPhone 6S XXXXGB - Space Gray ( XXXX ) {$560.00} Item # XXXX Shipping {$9.00} Tax {$0.00} Purchase total {$560.00} Fee {$0.00} Total {$560.00} Need help? First contact the seller through eBay to try resolving the problem. If it 's still not resolved, go to the XXXX XXXX XXXX. You may be eligible for purchase protection.
Product: Debt collection

XXXX XXXX, XX/XX/2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose i also attached evidence. 

XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 12. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 14. XXXX  XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 15. XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 16. XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b 17. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX, I received a promotional offer via e-mail for opening a Business Fundamentals Checking account with Bank of America. On XX/XX/XXXX, I used the link provided in the e-mail to apply for this account and enroll in the promotion ( Promo code : XXXX  ). 

According to the terms of the promotion ( see attached ), Bank of America stated they would award me a bonus of {$300.00}, provided I meet the following requirements : 1. Open a new Business Advantage Checking OR Business Fundamentals Checking account by XX/XX/XXXX. 
2. Make qualifying deposits of at least {$5000.00} and five electronic payments within 90 days of account opening. 

My Business Fundamentals Checking account was opened some time between XX/XX/XXXX and XX/XX/XXXX. Initially, there was a technical glitch which did not properly attach the promotion referenced above to my account. I visited my local Bank of America branch and spoke to a helpful Assistant Branch Manager, who escalated the issue and was able to get the promotion correctly applied to my account. According to the attached documentation she provided, my account was enrolled in the promotion effective XX/XX/XXXX ( Promo code XXXX ). 

An attached screenshot of my account shows I met all of the above requirements for the promotion. A deposit of {$5000.00} was made on XX/XX/XXXX. This was within the 90 day period from the date the account was opened. From XX/XX/XXXX through XX/XX/XXXX, I made more than five electronic payments on my debit card. 

Furthermore, the promotion terms state : " We will make every attempt to deposit the earned cash bonus directly into your business checking account within 90 days from the end of your qualifying period. '' The last day to open an account in order to qualify was XX/XX/XXXX. 90 days from that date was XX/XX/XXXX, so we are past the point where the bonus should have been paid. 

Even though I met all the terms of the promotion, Bank of America has failed to post the {$300.00} bonus to my account. At the end of XXXX, I followed up with the Assistant Branch Manager at my local branch, who informed me that she escalated this issue for resolution. It has been over a month since that correspondence and she still has not heard back from the corporate office. 

Trust is an essential part of any business relationship. The lack of a response and action from the back office is beginning to make me question that trust. Bank of America has not fulfilled their promise of awarding the {$300.00} bonus they owe me for fulfilling the terms of the promotion.
Product: Credit card

Subject : Dispute of Late Payment on Discover Credit Card Account # XXXX Dear Discover Card Customer Service, I hope this email finds you well. I am writing regarding my Discover credit card, account number XXXX. I would like to formally dispute a late payment that has been reported on my credit report for this account. 

Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1637 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer no later than 21 days before the payment due date.

Additionally, the report must contain information solely about transactions or experiences between the consumer and the reporting party. I believe that the late payment may have been reported in error due to a failure to comply with these requirements.

Please provide me with the following documentation for verification : Proof that the periodic statement was mailed or delivered at least 21 days before the due date.

Documentation showing that the report only includes relevant transaction and experience details between myself and Discover.

If no valid documentation or verification is provided, I request that this late payment be removed from my credit report.

I would appreciate your prompt attention to this matter and kindly ask that you provide me with the results of your investigation within 30 days. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on all 3 credit bureaus after the XXXX breach. I'm buying a camper & the lender is unable to pull a credit report from Experion. I had removed all 3 freezes but something went wrong with Experian 's. I called them today XX/XX/2019 & they ( XXXX ) stated that it was an internal error & that it would take 5 to 6 days to resolve. I asked for an expedited process. He said there wasn't one. I told him that I don't believe that for a second. I asked to talk with a Supervisor. I was told by XXXX that a supervisor was available & would be with me shortly. I was on hold for 31 minutes. The call started at XXXX XXXX. Then at 31 minutes, I was hung up on. No supervisor, no resolution, nothing. It's bad enough that we, the clients, are unable to choose a credit bureau. We are held hostage by their rules & we have no choice what so ever. So I have an issue that isn't resolved & is holding up my entire transaction because they don't have an expedited process. The other two companies have a very easy process. You open their app and click lock or unlock a freeze. That's it. Why isn't Experian held to the same standards? You can't get to thiers unless you pay a fee. Which I refuse to do since a freeze is free. So you have to go through an entirely different process with them that is no quick.
Product: Credit reporting

I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.
Product: Checking or savings account

On Friday  X/XX/17    I was charged  XXXX  overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of  XXXX  transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault.     After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before.     Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge  XXXX  overdraft fees. At the VERY least, if I was overdrawn because of the  XXXX  gas transaction, that should cause  XXXX  charge and not  XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX  XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Debt collection

My name is XXXX XXXX and I applied for XXXX XXXX on XX/XX/year>. This is an online website and I was talking to a representative on the phone who guided me through the process of ordering the service. There was no contract involved. 

He did not mention that the monthly payments would go through a company called Affirm, a lending agency, which I did not know at that time. He did not say there was no cancellation or refund once your order is approved. After I signed up and went to a friends house, I decided to cancel. I was told that the policy is that there are no cancellations or refunds. But, since this was just a few hours later, that I probably would be able to get a cancellation. He gave me an email to email my request for cancellation. I emailed my cancellation request the same day. I was sent a refund ticket the next morning and the email said it might take 10-15 days to get a response. The response was given on XX/XX/XXXX. The response was that they would not give me a cancellation according to their policy. I have not received any service for tutoring. I don't want tutoring from them. 

So, I contacted Affirm. They are charging {$1900.00}. I explained what happened with the online tutoring service. On their website there is no mention that Affirm is a lending agency, and I did not know that Affirm was a lender until after I was approved, and then they mentioned a loan was confirmed for me. I was taken by surprise. 

Affirms response was that they will follow the policy of the online tutoring service. So, they declined to intervene on my behalf. Now they want me to pay for a product or service I tried to cancel even though I have not received any service or product from the online tutoring service. 

The online tutoring services phone number is XXXX and their email is XXXX and their website is XXXX XXXX XXXX 
I could not find any physical address at all. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself ( XX/XX/XXXX ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX not mine XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine PERSONAL FINANCE XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer, After discovering an obscene number of errors on my consumer report contacted Transunion to dispute these errors and to validate all accounts from all furnishers with documentation. I sent in my evidence for how these accounts and their reports from the furnishers were all inaccurate due to fradulent contracts. 
After the reinvestigation the agency sent me the results with nothing on the report changed. The reports/claims from the furnishers did not include any documentation to validate the furnishers claims and if so they were not received at my request from Transunion. After my attempts I went over my credit report once again to discover over 50+ errors on my credit report, some I had not found prior to the dispute. I wrote an affidavit of truth and notice of intent to sue since Transunion has clearly revealed they can not report correctly and accurately on my credit reports, continue to add transactions and interactions with the furnishers, and all full account numbers for these reports as well as the dates opened are not correct. Their reports are unfairly doing me harm as a consumer and are defaming my character. 
In the notice of intent to sue I referenced all violations they are committing against me and what is to be done to cure the situation. I have been met with no communication since sending the notice of intent to sue via registered mail to the agency and I am getting ready to move forward in US district court if no resolution is offered to me including the deletion of the accounts with these inaccuracies and compensation for the emotional and financial damages I have suffered from their 30+ violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

We reviewed your complaint and apologize for any difficulty you may have experienced. To process your request and protect the confidentiality of your credit report, please re-submit your complaint and provide us verification of your Social Security number. Acceptable forms of verification include a copy of one of the following documents that show your Social Security number : current drivers license, Social Security card, a letter from the Social Security Administration, state ID card, XXXX or XXXX card, military ID, bank or credit union statement. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.Transunion has requested I send this information in to prove my identity.
Product: Credit card

I went to the dentist to get a XXXX and they said I could do a monthly payment plan for {$1000.00}. As long as I made a monthly payment and paid it off within a year I would get no interest. I sent in a payment by check and they said that they did not get it. I sent it in timely as I work for the postal service. I had the money in my savings account so I did not have to open up this card but because it was free and did not want to use my monmey that was in my savings. But because they kept on adding the late fee charge I just paid it off in full. Mind you, paid it off in full minus the late fee/interest of {$450.00} they charged me. ANd now it is on my credit report for paying something off in full before the due date. I did the right thing by paying this off and paid what I owed ( {$1000.00} ) in the year time frame and I get this on my report that is not valid. I pay my bills on time and did not need this card. and it screwed me over and would never do business with chase ever again.
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I was XXXX  in XXXX XXXXXXXX XXXX during my visit to my parents last XX/XX/2023. It was a paid trip by my sister who's already living in the US. I ask for a Financial Assistance in XXXX XXXX because I can't afford to pay my hospital bills. I don't have a job. I already submitted a complaint regarding collection of my debt but now again another collector, Dynamic Collector 's Inc., is collecting an amount of XXXX USD. Hope you can help me. Thank you.
Product: Credit reporting or other personal consumer reports

The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

XXXX XXXX  XXXX XXXX  XXXX bankruptcy XXXX Reference # XXXX XXXX  XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXX XXXX Reference # : XXXX