23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, both XXXX and XXXX have been reflecting updated and accurate information on my credit report for my XXXX XXXX  credit card. TransUnion has not been reporting updated and accurate information. TransUnion is still reporting the last payment date as XX/XX/XXXX, when in fact it was actually XX/XX/XXXX. TransUnion is still also reporting an inaccurate balance. The balance as of XXXX was {$0.00}. A payment of {$230.00} was made on XX/XX/XXXX. Both XXXX and XXXX have updated the information and are showing accurate information. TransUnion still has not updated information on their side. I have filed 3 separate disputes with TransUnion, with no luck. TransUnion is still reporting a balance of {$230.00} and last payment date of XX/XX/XXXX. When I call TransUnion to get help, they tell me to call XXXX XXXX. When I call XXXX XXXX  for help, they tell me to call TransUnion. The back and forth is frustrating and I have had enough. So here I am filing a complaint with CFPB, hoping that I can get the help that I need. 

This needs to be reflected accurately on my TU credit report. XXXX and XXXX are reporting accurately. Not sure why TransUnion is not or can't. If filing this complaint does not get my information updated and reported accurately, I will move forward with filing a lawsuit with AG XXXX XXXX in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : Equifax : XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  - XXXX XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
Product: Money transfer, virtual currency, or money service

Paypal won't let me withdrawal my money. On XX/XX/XXXX, I received an email from PayPal stating that my account had been permanently limited and that I could no longer use PayPal. I had no idea why this would happen ; So I called them. It turns out they don't know either. I have emailed and called multiple times. They don't respond to emails and on calls they can't even tell me why my account has been limited. I can not withdraw my funds. I need the money. Please help. Thanks, XXXX
Product: Payday loan

Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX ( XXXX ) have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. This is an incorrect reporting of my account status and clearly a violation of my consumer rights. According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. Again, correct and remove this. In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 5 times!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX and XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference XXXX, 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 accounts 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 this 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

How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. 

Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. 

See attached supporting documents. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Product: Student loan

On XX/XX/2018, my first payment on my Federal Perkin 's Loan was due. I had received no notifications via mail, email, or phone call from the creditor, XXXX University, to alert me that my payment was due. I missed payments for XXXX, XXXX, XXXX, and XXXX of 2018. I found out through my credit card company my credit score had decreased due to missed payments in XX/XX/2018. Upon further investigation, I found out from XXXX University 's bursar office that notices were being sent to an old address in XXXX, DE instead of my current address. As a student of XXXX University for 7 years, I had to update my address across all my accounts yearly. Therefore, I am certain that my address was up to date and that notices should have been sent to the updated address. If there was a mistake in addresses, other notices should have been sent to me in the forms of emails or phone calls in my opinion. At the time, I was content to pay the late fees and continue with my payment plan. Since then, I have had a spotless record of on-time payments. However, I now wish to refinance a car loan, but can not obtain decent offers due to my credit score. I reached out to XXXX University 's Credit and Collections department to discuss the situation and to have the late payments removed. After accepting financial responsibility for the missed payments and expressing my belief that my current credit score does not represent my creditworthiness and commitment to repaying my debts, I was told there was nothing they could do. Due to the fact that a late payment can affect your credit score for 7 years, I feel this is unfair. With that being said, I also feel the creditor is acting unreasonably as I was not notified about the loan payments being due, even though the creditor had multiple options to reach me. I have attached bank statements for the months of XXXX, XXXX, XXXX, and XXXX to provide evidence that I was not in a financial hardship and could pay the payment due. Please refer to the beginning and ending monthly balances. There is no other reason I was late on the payment except for not being notified.
Product: Credit card or prepaid card

My complaint is two fold. The fee I was erroneously charged and the magnitude of difficulty involved to reach a customer service rep to remedy the wrongly assessed fee. I was charged a {$1.00} fee. I have two transactions on this card. One is a ongoing balance transfer on 0 % APR through XX/XX/2019. The other was a regular purchase done on XX/XX/XXXX on my current stmt due XX/XX/XXXX. After having difficulty with the automated system to reach a cust svc rep, the system gave me two choices. Get called back in 2 hours or hold for 2 hours. I opted to hold. I held the line for 3 hours until I finally got a rep oh the line, who proceeded to give me false info for why the fee wascorrect. It's only because I am knowledgeable about the methods for how interest and fees are assessed and how to avoid them that I was able to cut through the obvious lies I was being told to substantiate the fee. The rep finally admitted I was correct that I shouldn't have been charged the {$1.00} fee. He then said what would you like me to do. I told him, his name was XXXX ... credit back the fee to my account. He did and seemed annoyed that he'd have to do this. This entire process underscores a seemingly deceptive practice by BOA, Bank of America, to wrongly charge a fee low enough that most consumers wont bother to spend the time to follow up on it, and then another deceptive practice to make discussing it with a rep so difficult and time consuming, they give up and then for those like myself who ride out the 3 hour hold time, another deceptive practice of training their reps to give knowingly false info to justify the fee. The rep absolutely lied to me three times, giving me false information to tell me why the fee was correct. I am confident most consumers lack the knowledge needed to be able to tell the rep why what they're being told is wrong or not applicable in theirsituation. While the fee incorrectly charged was nominal, if the deceptive practices I described are done en mass, this becomes a mass scale fraudulent practice to collect revenues not due to BOA. It is beyond unacceptable to have to hold for 3 hours to get a customer service rep on the phone. Its some to get the consumer to give up and let BOA just keep the {$1.00}. I was further aggrieved to be lied to over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the XXXX bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on XXXX credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please note these are not the full account numbers. They contain **** at the end of each and will not be given here in order to protect my personal information.
Product: Credit card or prepaid card

Chase Visa credit card and XXXX XXXX collection agency. 

Debits to my Chase Visa card through XXXX XXXX XXXX were almost all of the outstanding monthly charges to this account, with monthly late fees of {$37.00} adding up to be a majority of the balance. 
No monthly statements were ever sent to me by mail. 
I had requested billing by monthly mail statements for the account numerous times in the past but it was switched to paperless payment with out my authorization. I still try to do as much of my bill payments as possible by mail with a check payments. 
I was unaware that charges were being put on my account until I received a letter and phone call from a collection agency. I thought my wife was was paying the XXXX bill from her credit card, a truly honest mistake. If I was aware this was being put on my credit card I would have paid the bills when they came. 
I have spoke with Chase Bank and XXXX XXXX numerous times with no luck with regards to resolving this issue. 
After speaking with them, they dismiss my story and tell me I have to pay the full amountof {$600.00}. A major part of this were monthly late charges. 
I have offered to pay the outstanding balance minus the monthly late fees, but am told there is no negotiating the settlement balance, and I believe my story is being dismissed as nonsense. My wife and I have near perfect credit and this is not a financial hardship situation. 
Please review my letter and let me know the best wat to move forward. 
This has become very XXXX XXXX for us since it was brought to our attention. 
My wife is very sick and needs a XXXX XXXX. Her XXXX has been put on hold because of the pandemic. Little unresolved things like this just add to more stress in our lives, Very frustrating. 

Best regards, XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a service with my credit card. The company to date never performed service. I dispute the charge with the bank which is Chime. I f=contacted Chime in XXXX to open a dispute. They contacted me two days ago sating the investigation was complete and no error on the merchant was found. 

This company NEVER performed the service yet Chime found in their favor. I requested the documents they used to arrive at their nonsense position. They said it could take up to 30 days to provide. that to me. 
They did not investigate my account following master-cards guideline and am still owed the original {$350.00} charge from the non performed service
Product: Credit reporting, credit repair services, or other personal consumer reports

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX Experian, XXXX, and XXXX. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law 15 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, NM, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reseasonable reinvestigatiin of disputed information on my credit report leaving inaccurate, or unverifiable accounts unresolved. The CFBP recently filed a lawsuit against Experian alleging systematic issues, such as failing to forward customer provided evidence. This has been my experience. Experian has neither corrected or removed negative remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act the list of accounts below violated my federal protected consumer rights to privacy and confidentiality. Also have multiple inaccurate information, Under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I have the right to privacy 15 USC 1681 section 6048 section 2 it also States consumer reporting agency can not furnish account without my written consent 15 USC 1861 c ( a ) ( 5 ) no consumer reporting agency may have a consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedate the report by more than 7 years 15 USC 1681 S -A ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect According to 15 USC 1681 n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} but not more than a {$1000.00}
Product: Credit card

Apparently in XXXX of XXXX there was a payment due of {$170.00} on an apple card issued through Goldman Sachs. The balance on the account was not from purchases I ever made. The issuer of the card also never notified me that a payment was due. Their last email to me about a monthly statement was XX/XX/year>. I randomly checked my credit yesterday and found my score dropped XXXX points from 3 late payments. I have reached out to apple card support and they told me to change my XXXX ID password and other than that they arent saying they can help. I have told them they violated 15 U.S.C. 1681c by not notifying me at all about a payment being due before reporting this to the credit bureaus. They are dismissing the claim and not helping and just keep saying a manager is going to reach out but they never do.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX NA XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>
Product: Consumer Loan

I have a huge complant against this company ... .They allow delarship to sell cars that arent any good ... .i bought a XXXX BMW XXXX it has given me nothing but problems ... i spent over XXXX dollars getting the car fixed the first month of getting it ... the dealership refused to help pay and credit acceptance refused to credit my account for this ... since then within the lasts year over XXXX dollars have been spent fixing this car ... thats a WHOLE new car..my only resolution for this company is that im asking them to lower my pay off amount to XXXX to pay this vehicle off so i can be atleast see some of my omoney back ... i was unable to pay bills trying to get my car fixed being that i needed my car to get me back and forward to work.. i had to hustle other small jobs to help get this car fixed ... i do have copies of all the reciepts of how much was payed and credit acceptance refused to drop even XXXX dollars please hlep me with this ... this would help me sooooo much or we can settle we the past due amount im willing to do whatever to pay this car off this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported fraudulent reporting to all 3 agencies, XXXX, Equifax, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.
Product: Debt collection

I've requested a Validation of the alleged debt from National Credit Adjust but to date, have not received the requested information. I would like a full breakdown of the amount allegedly owed, proof that this company is licensed to collect on this alleged debt in my state, proof of my digital or wet signature used to open this alleged account, as well as proof of my consent to have this company report this alleged debt on my credit reports. If company CAN NOT provide all of the requested information, please delete this erroneous account from my credit reports so that it may no longer cause me financial harm.