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

During the Pandemic I was dealing with XXXX XXXX XXXX anXXXX XXXX XXXX  with XXXX XXXX XXXX XXXX. which lead me to go visit my doctor, I was involved in a XXXX XXXX XXXX which put me in more XXXX XXXX. XXXX and need for iXXXX XXXX XXXX and XXXX, I value and respect my credit and reached out to Aspire* about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with Aspire*
Product: Bank account or service

A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX/XXXX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been working back and forth calling emailing faxing and mailing in information to transunion regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around
Product: Money transfers

ON XX/XX/XXXX I sent money to a friend via PayPal. In the description note, I stated it was for a XXXX trip. PayPal held the transaction for a " governmental review '' and stated it could take up to 72 hours to resolve. However, it is now a WEEK later and my transaction is still pending and no word from PayPal. I have contacted them numerous times to either return the money ( it has already been sent from my bank account to PayPal ), cancel the transaction or put the money through so my friend can send it back. PayPal claims they ca n't do any of it. However, I have researched and noted that other transactions under the same review have come to a close after PayPal contacted the person to explain. No one at PayPal has contacted me and no one can give me a direct answer. This is ridiculous because I have now had to pay an additional {$380.00} to my friend and I am STILL waiting for this to resolve from PayPal.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balanced {$2100.00} XXXX XXXX Balanced {$4700.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts over the past year to have my consumer report corrected by Experian. The most recent attempt was made on XXXX XXXX and the inaccuracies are still being reported on my consumer report. This is unlawful and Experian has continuously ignored my requests to correct these inaccuracies. 

The following accounts have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

Therefore, it is unlawful to report anything to my consumer report without my consent.
Product: Payday loan, title loan, or personal loan

My wife XXXX and I took out a personal loan last XXXX with One Main Financial and decided to take out the insurance for unexpected loss of our job. This XXXX I lost my job and put a claim on my insurance. The insurance stated that I need to get a written statement from my employer and the state unemployment office in order to use the insurance. When I explained that I am not able to get either my old employer or the unemployment office to fill out any paperwork they then told me that I needed to send them my financial determination to them from the unemployment office. I sent them the financial determination letter and the claim worksheet process that I received from the state of New Jersey. They sent a letter back and stated that this does not qualify for unemployment and that they wanted to see either my bank account statement showing deposits being made or a print out from the state showing that i am getting unemployment. Since we are in a pandemic and unemployment is so backed up, I am not receiving any unemployment money at this time. If i was receiving unemployment I would not be using the claim because i can the payment. After this I canceled the claim from One Main and told them that I would like a refund of the unused insurance. They proceeded to tell me that when I cancel the insurance, that the money would go directly to paying the loan. My loan is not late nor is it default and when i talked to the One Main office branch in XXXX PA I was told that the insurance money would be refunded to me.
Product: Credit card or prepaid card

Someone used my identity and credit and made me in debt I just now wanted to get into my credit and discovered that someone was using and abusing my credit. They put my year as XXXX I was born in XXXX recent amount of money was written off {$1000.00} past due as of XX/XX/XXXX And the XXXX XXXX thats connected to my Experian credit is not my card. They been doing since XXXX it looks like and I didnt even know until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card or prepaid card

There is an unknown charge on my Milestone card. 
XX/XX/XXXX Trans date XX/XX/XXXX Post date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed 2 disputes with Milestone regarding this. Nothing has happened. I did not purchase this item and I received no such item. Doing a bit of research the item is an XXXX help manual. I do not own any XXXX  products so why would I buy such a thing. The XXXX number listed in the transaction does not belong to any business related to the so called item. 

This transaction is fraudulent and I want a refund of funds as listed under my card rights.
Product: Consumer Loan

In XXXX of XXXX, I applied and was approved for an installment loan in the amount of {$400.00} from XXXX ( formerly CastlePayday.com ). 
On the website, the loan was to have a 784.73 % APR. The website also stated that the total to prepay the loan in full on or before the 1st due date was {$540.00}. Having experience with payday and installment loans, I did not pay attention to the math at the time I agreed to the loan. From speaking to the customer service representative, I was under the impression that I would make three payments of {$200.00} for three months to pay off the loan. After making two payments of {$200.00} ( XXXX late payment fees ), I was informed of the payment plan that the company set up for me in which I would be making monthly payments in various amounts until XXXX of XXXX totaling in upwards of {$2000.00}. At no point in the application process did I agree to this payment plan. In XXXX of XXXX, I asked the company how much it would cost to pay off my loan in full. They replied that I needed to pay {$820.00} ( not including the two payments of {$200.00} that I had already paid ). If my math is correct, that is more than the APR that I did not know I was agreeing to in the first place. And, I do not know if that payoff amount will change depending on the time I am able to make the payoff amount.
Product: Debt collection

I keep receiving collection notices from Medical Revenue Service on behalf of XXXX XXXX XXXX for which my insurance company has paid the amount they owe and for which I have paid the co-pays. I believe XXXX XXXX is balance billing for services I received. My insurance, XXXX XXXX, has spoken to them and so have I but they continue to try to collect. I have notified the hospital of this as well and sent them copies of both my insurance company 's paid benefits notifications and my credit card records of payment. I have been told by my insurance company that I do not owe for anything other than what they have paid and my co-payments and that the hospital is balance billing. This has happened repeatedly for several different billings and I have replied to each one in the same way. I feel like they are harassing me for money they are not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern, My name is XXXX XXXX. I am writing this email due to some unpleasant activities following a visit to XXXX XXXX XXXX back on XX/XX/XXXX. I came in that Saturday morning for a recall repair on my air bag for my XXXX XXXX XXXX. ( Which I am still currently driving ) While I was waiting on my repair, a young man ( sales professional ) XXXX XXXX showed me some of their cars on the lot, asked me why I came in today etc. Then we test drove a XXXX XXXX. During this period my vehicle wasn't done yet with the airbag repair. After test driving the XXXX XXXX, XXXX, ran up some numbers and was basically trying to get me to get me to walk out with a new car, payment plan etc. I said no, explained that I had a lot going on and that this would not be a smart decision for me right now and that I would I'm just going to wait till my car is ready and go home. 

After, that I had a few representatives come in and try to convince me or " earn my business '' as they put it. The Manager, supervisor, you name it. Outside of XXXX, I had to have had three to four more men come to the same desk trying to offer different deals to earn my business ; and each time I said no. That Saturday I ended up driving my car the XXXX XXXX XXXX  home. I did not purchase a new car, there was no trade in, or any contract or consent given to process or complete anything else. 

Unfortunately, a while later I had received some letters in the mail from two separate lenders informing me that they denied my request for a loan. In fact, the letter stated that the loan requested was for {$26000.00} ( from XXXX XXXX XXXX XXXX ). I was completely shocked that I ended up checking my XXXX and Experian account and I noticed that there were several other hard inquiries dated back form XX/XX/XXXX the same day I went in for my recall repair, which is absurd because I said no to every sales man that came before me and I did not give consent or request any loan for {$26.00}, XXXX from XXXX XXXX, this is when I knew I had to call the credit bureau and take action. This was not activity I approved of nor gave consent to, this is fraudulent activity. 

Now, unfortunately I'm going through the process of mailing letters to the credit bureaus to clean up this mess that I did not even do. I'm also considering getting my attorney involved because this is the most insane and unprofessional thing I've seen, and to be honest my respect for this XXXX location has gone down. This is a very unpleasant circumstance to be dealing with right now. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 or other personal consumer reports

WHAT IS WRONG WITH EXPERIAN THEY HAVE BEEN VIOLATING MY RIGHTS DUE TO ME RECIEVING THE 1099C FROM XXXX. THEY MUST STOP MEANING CEASE REPORTING THIS ACCT AND CHANGE ACCT TO XXXX BALANCE.I ATTACH THE 1099C PLEASE FIX OR THE NEXT LETTER WILL COME FROM MY ATTORNEY BECAUSE ACCORDING TO 15 USC 1681 EVERYTHING MUST BE ACCURATE ON MY CREDIT FILE AND THIS ACCOUNT IS NOT ACCURATE AT ALL. LOOK INTO THIS AND PLEASE JUST DON'T FORWARD THIS OVER TO EXPERIAN WITH OUT HANDLING THE ISSUE. I QUIET SURE YOU KNOW THE LAW TOO. ITS NOT TO BE SHOWING AN AMOUNT ONCE I RECIEVED A 1099C. SOMEONE IS NOT DOING THERE JOB.
Product: Credit card

I am filing this complaint due to Nordstrom Credit Card Services continued failure to honor my contract termination request, provide essential account details, and acknowledge my legal right to transfer account ownership. I have made multiple attempts to resolve this matter directly with both Nordstrom and TD Bank USA, N.A., yet have been met with repeated delays, conflicting information, and outright refusal to comply with my requests.

Over the past few weeks, I have repeatedly called Nordstroms account specialists and settlement department in an effort to terminate their contract and thus their management of and security interest in my account. Each time, I have been given vague responses, transferred to multiple representatives, or placed on hold indefinitely. 


When I contacted TD Bank, I was informed that any and all information regarding my account must come from Nordstrom directly. This contradicts Nordstroms previous statements, where representatives claimed that TD Bank holds critical account information that I must obtain separately. These conflicting responses have led to unnecessary delays and an inability to access my own financial account and records.

Despite my formal written request in accord with the Cancellation clause of the Nordstrom Credit Card Agreement, the company has neither terminated said agreement nor complied with my instructions to transfer all property bearing my name to XXXX XXXX XXXX XXXX. 

Withholding of Essential Account Information Nordstrom has refused to provide : 1 ) A complete list of all accounts and access details tied to my name. 
XXXX ) Full disclosure of my master account file and all instruments and/or records managed and maintained on my behalf.
Product: Credit reporting

I 've disputed my XXXX account balance with Equifax several times since 2014 and the account was never removed due to it 's inaccuracy. In doing so, I informed Equifax that the my credit report from their company state that XXXX balance is {$0.00}, about XXXX year later it was changed to a balance of {$27000.00}. This is misstating the balance due, which is considered a violation of the FCRA and should 've been removed. 

Also, I contact XXXX about it 's inaccuracy, wherein they state that accurate account information has been reported to Equifax. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX {$1300.00} XXXX XXXXXXXX {$1200.00} XXXX XXXXXXXX {$1600.00} XXXX XXXX {$510.00}
Product: Credit card or prepaid card

I lost my card and report it together with unrecognized charges of {$190.00} on XXXX Company worker assured me that the charges will be immediately removed and investigation initiated. Also she told me that i will receive the letter with confirmation and instructions regarding this dispute. I still did not receive any and charges still not removed. 
I called company again ( XXXX ) and asked them for explanation. They lied to me again, saying that system had a glitch but they will remove it immediately and send me a letter. 
Of course as of today ( XXXX ) charges still there and no letter received ( see attached screenshot ). 
I have date and time as the names and confirmation ( ticket number ) of those conversations. 
This company ( Comenity Bank XXXX XXXX XXXX ) also stole my rewards money and when I made complaint ( XXXX ) they gave you willfully false statement that they need 60 days to respond. 
this company commit a fraud and trying to drag the time to put customers in trouble with credit bureau and other institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvn funding. XXXX $ I have attempted several times to resolve this issue with the company. I have notified them through multiple sources that this account is not my account and I have no knowledge of it. I have no contracts verbal or written with lvn funding nor any of it's subsidiaries. Lvn refuse to remove this false item from my report. And it is negatively affecting me.
Product: Debt collection

I am writing to file a complaint against Oracle Financial Group in New York a debt collection agency. I called Oracle Financial Group to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of Oracle Financial Group who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of Oracle Financial Group that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to Oracle Financial Group. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of Oracle Financial Group said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of Oracle Financial Group said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of Oracle Financial Group began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of Oracle Financial Group said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the Operator of Oracle Financial Group said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of Oracle Financial Group said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of Oracle Financial Group upset me real bad.