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

Hi, even during these trying times you're marking consumer late on that I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2020. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Consumer Loan

I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.
Product: Vehicle loan or lease

XX/XX/XXXX payment made. Company credited account for bill on XX/XX/XXXX. Credit for payment was revoked on XX/XX/XXXX. I was not notified of this. Charged NSF check fee by lender on same day. Late fee was added to payment two days later. Company contacted me on XX/XX/XXXX to tell me payment was late and my credit score would take a hit if I didnt pay it. 

Lender advertised same day ACH payment services. When I contacted the lender, I was originally told it was due to my account at the bank being insufficient. After explaining that I work at the bank and offering to show statements, I was told that they could open a ticket to reverse part of the fee, but that I would receive no help on the other portion. Transferred to manager after 15 minute hold. Manager agreed to open a ticket to return a larger portion of the fees, but Im still docked the other portion. 

Company uses XXXX XXXX to process ACH payments and it can take up to 12 business days to receive credit for payments. I asked how I could make my payment and it post in a reasonable amount of time. Payment can be made through POS system with clerk for {$10.00} convenience fee, or online for a {$2.00} convenience fee. This would not be waived either. 

Im still being charged two fees, one to make my payment so that they will not take negative action against my credit, the other for a late fee because the service isnt as advertised. 

Fee structure, payment options, payment processing delays, and lack of communication to consumers seems intentionally deceptive and abusive. The only way to know your bill is paid is to pay a fee. The free method can result in over {$40.00} of charges ( which is greater than 20 % of my note ) due to a processing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, XXXX  AND TRANSUNION CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, XXXX  & TRANSUNION CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a XXXX  balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
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 privacy and confidentiality under 15 USC 1681 XXXX Utility company with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$120.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2 XXXX XXXXCellular with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3 Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

5. Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

6. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

7. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

8. Inquiry from XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

9 There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses. 

10. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 or 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 or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked on my credit report on Experian, XXXX, & XXXX and I noticed something that are incorrect and not accurate information .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 suppose to do this ( 5 ) treatment of inaccurate or unverified information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by 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 the item of information from the file of the consumer, or modify that item of information, as appropriate, based on 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 consumer. 15 usc 6802 : stated A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless. This bank and agencies violated this law by transferring and sharing my non public information without giving me 3 disclosures by not allowing me to opt out. 
And 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions .also 15 USC 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .18 usc 1028A : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.Also I sent multiple disputes letter certified mail with return receipt asking for hard evidence.all credit bureau has not provided me no proof but still verified these accounts accurate.
Product: Credit card

My card was stolen, and charged XXXX $ it the XXXXXXXX XXXX, so i called my credit card company which is chase and reported the charge as fraud, after giving me the refund they charged my card again with the same a mount, i called them back they want me to go to XXXX XXXX and ask them for a video of when the transaction happened and call the authorities to investigate it. They want me to do their job basically. They refused to help me whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : continues to show XXXX accounts as " POTENTIALLY NEGATIVE '' when they are reflected as closed and/or paid in full! There is also an extra social security number that shows up on this report. I have never had more than one! 

XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX XXXXXXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either. 

XXXX : I have had to file many disputes with the credit agencies down through the years for listing alias names ( XXXX XXXX ), addresses to places where I have never lived ( XXXX XXXX and XXXX and a XXXX ). 

I'm afraid that the credit report of someone else has been mixed up with mine and I am just now seeing it for what it is. I have contacted many of these creditors ( XXXXXXXX XXXX XXXXXXXX & XXXX ) they have nothing in their records for me... ..Things like this go against the FAIR CREDIT REPORTING ACT and is illegal. Please help?
Product: Payday loan, title loan, or personal loan

Asked customer service about log in portal to pay off loan and they claim they dont have a login or member log in to tell me how much I owe on {$600.00} loan also they are taking {$170.00} out of my count every paycheck until 2022. Company cant and wont provide details regarding my person information.
Product: Money transfer, virtual currency, or money service

PayPal has unfairly debited balances of my account with them, despite providing foolproof Proof-of-Delivery and neutral third-party evidences to PayPal for their perusal. Herein attached image depicts the PayPal cases, amount in question, and occurrence dates.

It is extremely bias and unfair to honest sellers like myself to sustain this monetary lost due to PayPal 's indifference for these. 

PayPal with the supporting documents, decided to take the easier way out and let the fraudulent buyer get away with it, and refunding the payment back to the fradulent buyer. I have lost both the funds, and also the delivered assets. 

Upon further research in public domains, I see many complaints on PayPal of similar nature too, thus writing in here to hopefully make our voices heard.
Product: Credit card

On XX/XX/year>, I booked a hotel stay through XXXX using my Apple Card ( issued by Goldman Sachs Bank USA ) for a total charge of {$100.00}. Upon arrival, I encountered multiple issues that made the stay uninhabitable and significantly different from what was advertised. 

Issues with the XXXX : XXXX. XXXX XXXX hotel did not contact me by XXXX p.m. as promised regarding my check-in, leading to unnecessary delays and uncertainty. 
XXXX. Defective Room Amenities The refrigerator in the room was broken, making it impossible to store perishable items. 
XXXX. Unacceptable Noise ConditionsConstant dog barking and an unresolved alarm disturbance from the neighboring room made it impossible to sleep. 
XXXX. Violation of XXXX XXXX XXXX I later found the same room for a lower price, but XXXX refused XXXX honor their policy. 

Actions Taken : XXXX. Before XXXX hotel did not honor the check-in time, so I requested a refund before entering the room. XXXX refused. 
XXXX. During the XXXX I immediately reported the issues to XXXX, but they did not resolve them or offer a fair solution. 
XXXX. Dispute Filed with Goldman Sachs Bank USA I disputed the charge through Apple Cards dispute resolution process, providing clear evidence of the hotels failure to provide advertised services. 
XXXX. Dispute Denied Goldman Sachs denied my dispute, citing that XXXX terms state all sales are final, despite the clear failure to provide satisfactory services. 

Why This Is a Problem : The all sales are final policy does not excuse a merchant from delivering basic, functional services as advertised. 
XXXX failed to honor their price guarantee, misleading me at the time of booking. 
Goldman Sachs sided with the merchant despite clear evidence of service failure and poor customer treatment.
Product: Credit card

They give me 24 months to pay my amount, they figured the payments I put automatic from my bank account I suppose that they were doing everything right but now they're putting to much interest they said that is because the amount wasn't paid on time. 
On XX/XX/2024 the amount was {$3500.00} then on XX/XX/2024 went up {$5800.00} and now the amount is {$6000.00} it's to much
Product: Credit reporting or other personal consumer reports

XXXX  XXXXXXXX XXXX XXXX  and Bank of America credit card pulled my credit on all 3 bureaus. 
XXXX, XXXX, XXXX. 
This happened over night at XXXX and XXXX. 
I did not request any credit to be pulled nor did I inquire about getting a credit card. 
I currently do not have any open credit cards with these companies
Product: Mortgage

XXXX XXXX, the currently assigned CRM/SPOC was the CRM/SPOC assigned to this home loan mortgage account XX/XX/XXXX through XX/XX/XXXX and she has demonstraited her lack of knowledge of all applicable laws, regulations and guidelines governing Bank of America and their representatives and agents during and throughout the modification and loss mitigation process. Please remove this latest assigned - and re-assigned -CRM immediately and upon receipt of this request to do so. 
It should be noted I have been I unable to speak directly with this SPOC during her first assignment as SPOC and have been only able to leave voicemail messages as directed contact had been unsuccessful and impossible at a time when direct contact is most essential during the modification and loss mitigation processes. I have also been unable to make contact with anyone in the SPOC 's unit or this SPOC/CRM supervisor even though I have requested exactly this. I have made a previous request that she be removed as the CRM/SPOC and the newly assigned CRM/SPOC conduct a full and complete review and case escalation into my concerns about the invalid and defective recorded Notice of Default ( NOD ) of XX/XX/XXXX which, as of this writing, I have not received a XXXX XXXX County Recorders Office certified recorded copy. I have also requested the XX/XX/XXXX Notice of Default be withdrawn since it is recorded and attached to the XX/XX/XXXX Trust Deed and not the XX/XX/XXXX Modified Trust Deed and therefore invalid and this home loan mortgage account can not be deemed as defaulted.
Product: Debt collection

I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.
Product: Student loan

I have tried to pay the payments that were agreed upon. However I explained to the lady that I am the on ly one worki ng in a household of  XXXX  and that I simply do n't have the money. They tried to lower the payment but is was n't eve n a hundred dollar s. I ca n't make this payments and support my family. I got this loan  in 2010 for  {$14000.00} I now I owe over {$19000.00}  seven  years later. I feel like i ca n't win
Product: Mortgage

After we had signed the closing documents at XXXX XXXX XXXX. We where informed days later that we had to pay an additional {$1800.00}. Ive never heard of owing money outside of close. The realtor also said that they had never heard of owing money outside of close in the 20+ years of selling real estate. 
If close is not a close on real estate how can I be sure that I suddenly wont have more fees to pay? 
I dont think I should have to pay fees outside of close, its totally lost my trust in the real estate closing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on VANCEHUFFMAN Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

In XXXX 2016 I went online and ordered a " Free Trial '' offer from XXXX and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under XXXX Consumer Complaints, they all say the same thing. I was temporarily in XXXX, I returned to my home in XXXX XXXX XXXX, 2016. 
When I received my Statement from Synchrony Bank in XXXX, I noted the charges of - {$86.00} and {$89.00}. I immediately called Synchrony Bank and disputed the charges. I never received product nor did I receive any any communication from XXXX in regards to these charges, that it was being delivered or anything. When I received XXXX 's statement on XXXX XXXX, 2016 I noted the charges of {$94.00} and {$92.00} and called Synchrony Bank to dispute the charges. The CSR told me I had also been charged {$94.00} and {$92.00} on XXXX XXXX, 2016. My account had been charged a total of {$550.00} for product I never received nor had received communication in regards to. 
XXXX name put in disputes for all of the charges and told me it may take XXXX to XXXX billing cycles. I called XXXX on XXXX XXXX, 2016 at XXXX XXXX and spoke with XXXX. XXXX cancelled the account they had set up for me without my approval and told me to have Synchrony Bank call them and do a XXXX way conversation so they could credit my account and I would n't have to wait for the dispute. I called Synchrony Bank and spoke with XXXX. XXXX told me they did n't do XXXX way calls. I wondered after seeing all of the complaints against XXXX for the same reason if maybe XXXX did n't know this. I called XXXX back, spoke with XXXX and told him the bank was unable to do a XXXX way call. 
Yesterday I decided to call Synchrony Bank because all I had ever received from them is a generic letter which says nothing except the security code is there for the Consumer 's Protection which is ridiculous because you ca n't purchase anything online without the security code and once a company gets it they can charge you numerous times withoutout your authorization. I found out from Synchrony Bank on the telephone that the dispute had been resolved in the Merchant 's favor I believe XXXX XXXX. All I could do was to file another dispute. I never received communication of this resolution I called XXXX XXXX XXXX XXXX XXXX ( number given to me by Synchrony Bank ) and spoke with XXXX. I asked to speak to a Supervisor. XXXX stated they could n't do anything for me and hung up the telephone. 
All of the complaints I reviewed online state the exact same complaint. XXXX lady called the Police. I want this funds refunded or credited to my card but XXXX should be prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX Violation: credit card never late XXXX XXXX XXXX XXXX XXXX  Violation: credit card not mine XXXXXXXX XXXX  
FCRA Violation: student loans never late XXXX XXXX  
FCRA violation: collection not mine
Original creditor XXXX