23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Klarna is a buy now pay later service. I purchased something from XXXX and we agreed Id pay them {$60.00} a month for 6 months, and theyd earned 24 % interest. 

I returned an item, and the balance was adjusted, but they still want the full 1/6 payment. This means that the purchase will be paid IN FULL IN 3 payments. 

Klarna advertises that its XXXX interest if you pay in 3 payments. 

They are refusing to remove the finance charge and they are refusing to adjust each monthly payment to spread it out over 6 payments as agreed. 

Purchase was for {$360.00} or so, returned a an item, which brought the purchase down to XXXX. 

Klarna customer service said they would spread the payments out, lower each one, over 6 payments, 3 times via customer service chat. 

That hasnt happened, and even when escalated, no one at Klarna responded, they wants me to pay in full in 3 payments. My next payment is {$60.00}, way more than 1/6th of the purchase. 

If Klarna wants me to accelerate payment, I should not be charged interest. If Klarna can spread it out over 6 payments as agreed, I have no problem paying interest if they dont accelerate final repayment.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Checking or savings account

Received a XXXX  's check on XX/XX/XXXX from BofA in XXXX XXXX. Deposited same day at branch on XXXX on in XXXX. This was placed on hold despite this check being fully secured and cash
Product: Debt collection

XXXX collector calls on Sunday XX/XX/2015 and threatens me about a XXXX account. I asked who he was and he said third part representing XXXX XXXX never identified himself. Just went into a statement that they would put this on my credit report. XXXX phone call on Tuesday XXXX XX/XX/2015 XXXX name as XXXX with XXXX out of Washington. said account was just received in there office on Friday. I never received any mail stating they represent XXXX today is XX/XX/2015 and still no letter.
Product: Debt collection

i recently check my credit report on XX/XX/2021 and notice national credit adjusters had a alleged debt of {$1200.00} that i didn't owe nor had any relations with. this is causing me grief and suffering and credit denial from this inaccurate information.
Product: Vehicle loan or lease

Company has refused to protect us from identity fraud, and charges us fees for fraudulent payments. XXXX father made repeated fake payments, and we've thus been hit with NSF fees that were not refunded. 

Company has refused to protect us from identity fraud, and charges us fees for fraudulent payments. For fear of our physical safety and lives, we did not make payments until they could reassure us that XXXX father 's access would be blocked. They refused. They not only refused, but after being repeatedly begged to take action, allowed him to re-enable the entire account and maintain access. 

Company, by refusing to protect us from identity fraud, has endangered the physical, financial, and emotional health of our entire family. Husband 's XXXX  father, who obviously knows his SSN, has access to the online account, and with it, our new address. 

Company, by refusing to protect us from identity fraud, has resulted in us paying hundreds-thousands of dollars of interest, and thousands on a lawyer, to attempt to refinance loan in solely husband 's name. Prior to contacting lawyer and almost half a year ago now, we were approved to refinance without the co-borrower. When the refinance company called to verify that this was okay, the bank gave husband 's XXXX father 's number out, who denied the refinance loan. 

Company has repeatedly delayed responses to lawyer ; has given out false information to delay responses ; has failed to communicate what was needed to delay responses ; and responded to a request to remove XXXX father 's access by removing our access to the account. 

To be clear, the XXXX father is not remotely involved with this account. His name is not on the lease as a borrower or co-borrower, nor is it on the title. He, by nature, knows husband 's SSN and name. Husband and family friend is on the lease. We asked that they block his father, not accept payments from his father, and add an account PIN to access the account. At one point, they deleted our entire account and we reset the login/password ; however, they then allowed his father to call in and use his SSN to get access to the new account and even blocked us out of it. 

Company has been in contact with us by phone, XXXX XXXX, and now an attorney. We need a FEDERAL organization to step in and help, as they outright refuse to address any of these issues. They refuse to protect our private information from someone committing identity fraud. They refuse to stop refinancing companies from thereby calling someone not connected to their accounts to approve/deny a refinance loan. They refuse to protect our physical safety by blocking XXXX  father 's access to account. They now even refuse to respond to our lawyer. They've cost and continue to cost us thousands of dollars. 

They need a federal investigation, federal banking practice monitoring, and/or to be shut down altogether. These practices and flagrant enablement is not okay. We're also not the only ones to complain about them, and others need help, too.
Product: Credit reporting or other personal consumer reports

I bought a car from Carvana, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy is showing as " Dismissed with XXXX  and Experian. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, likely through the employment of inadequate security procedures related to the sensitivity of the information it possesses. It has demonstrated itself incapable of deploying proper security measures, through the further discovery of the use non-random pin numbers for freezing credit histories. 

I was not directly notified by the company, in spite of the fact the company possesses the contact information required to make notification. 

I must now take affirmative steps, at my own cost, to mitigate the damage caused by the negligent mishandling of my most personal financial and identity information. This is a burden on my time and my financial resources, and should not be my cost to bear. 

I encourage CFPB to take all steps necessary to require Equifax to provide credit monitoring and secure credit freezing/thawing services to me at no cost. 

In the long term, I encourage CFPB to be a more active voice in encouraging the reduction and replacement of the use of social security information in regular consumer transactions. It is well past time to decouple this information from use in minor business transactions.
Product: Student loan

Years ago when my student loans were not consolidated, Navient encouraged me to consolidate at a lower interest rate. They made me seem like I was going to save money when the exact opposite happened. I said " can I get a breakdown of the loan amounts and the current rates and what the new rates would be '' and when I got a letter in the mail stating the consolidation had happened I called back immediately and said I was only " inquiring '' of the rates. The new consolidation rates were almost 4 % higher then some of my current rates that were only at 1.5-2 %. The new interest rate was only going to save me on one loan but drastically increased the rates of the others. I called back and they said there was nothing I could do, that it had already happened. I told the representative that I had not allowed it, only inquired ; and why would I agree to a higher interest rate? I called multiple times and no one ever helped me. I accused them of bullying me and I cried and begged on the phone for them to help me while I watched my balance increase from {$40000.00} to over {$130000.00} ( today ). I just saw that action was being taken against them and I need to have my case against them heard. As of today I am signed up for the income driven repayment, that I have no hope of paying off with out a full-time job. If Navient would not have misled me and tricked me into consolidation I may at least still be under {$100000.00} ... which is still disheartening. I recently tried to contact attorneys in California to get help with my case against Navient, I know there are others in my situation. I did not know that the CFB was an option until I read about the recent action taken by the CFB against Navient. Please add my story to your list of grieving, hopeless underemployed student borrowers.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent information being reported on my consumer file.
Product: Checking or savings account

Opened up a savings account on XX/XX/XXXX. I wired XXXX into the account from my XXXX XXXX  account. On XX/XX/XXXX I decided to wire that money into my XXXX  personal account as XXXX offered me a relationship discount for depositing new funds. Citi put the wire on hold and restricted my account. They said a letter with a pin code was sent to my verified address and will take 7-10 days. It's already XX/XX/XXXX and I haven't received the letter. It's ridiculous. The wire was sent from my Citi personal to my XXXXXXXX XXXX. Same name, address and all. There's no reason why they can't at the very least track the letter or XXXX it so it can arrive in a normal time frame.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment entries on my credit report. My credit report indicates that I have late payments reported by many different accounts.
Product: Debt collection

A XXXX XXXX debt outsourced to convergent XXXX was opened on my credit report around XX/XX/XXXX. Despite many calls directly to XXXX, and them stating each time I owed {$0.00}, I have to fight with convergent who reps always sound annoyed to work. 

I submitted my refund check from XXXX ( why would they refund me if I owed them money? ) as well as my equipment return receipt ( from XX/XX/XXXX ), no response. I called and they said they didn't get the return receipt, it's clearly in the email. However, I resent. 

I disputed through XXXX XXXX, and it was returned as a valid debt but yet XXXX has no clue what convergent XXXX is talking about it. It's been on my credit report for 4 months now and I haven't gotten very far. This greatly affects my ability to qualify for new credit. You would think they could simply call XXXX and resolve this. 

I should be getting paid to do all their paperwork for them at this point. Extremely upset and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX Balance {$35000.00} XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$960.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX CA Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have a credit card with Bank of America and have used promotional offers for balance transfers from credit cards. This is what they offer : " A balance transfer has several benefits, including : Saving you money on interest and monthly charges Consolidating debt, which may help you pay it off faster One statement with one payment due each month '' So, I thought that if I paid my statement in full I will pay my purchases and the balance transfer, because they said " one payment due each month ''. So I made a full payment of my balance on time, before the due date and I was charged interest, also, they said I still owe {$260.00} from my balance transfers. They do n't show the remaining balance related to balance transfers on their statements nor their website in their online bank, so there is no way for me to check what they are seeing or to check how much I have paid and how much I still owe. This is really a problem, because I do n't know if there is a mistake or not, if they are overcharging me or if what they say I owe is true or not. I do n't like to be late in my payments and I really do n't feel that the bank is being honest with me. 
It seems they apply my payments in the amount I owe from the statement, plus from the current purchases, but it is not clear how much they are applying to the remaining balance from my transfers I can show you my last statement if you need to see it. In my previous statement the total balance was XXXX and that 's what I paid and now they say I still owe {$260.00} due to the balance transfer. In the page where they post the Interest Charge Calculation, the balances there go up or down every month, even if I do n't do any new balance transfers and that is very confusing.
Product: Credit reporting or other personal consumer reports

Credit card Payment status shows charge off but I have paid this balance in full plus interest and it has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax, regarding a {$300.00} account with XXXX and a {$500.00} account with XXXX XXXX. The other issues are some inquiries on my credit file that I have not applied for. I have sent this information into Equifax and disputed it with em on multiple occasions and they are adamantly refusing to remove these UNVERIFIED accounts, as well the inquiries. 

I have never applied for or given these companies permission to pull my credit file. I understand this it is illegal to falsely report unverified information under the FCRA, Section 611 ( 5 ) ( A ). I have yet to receive any proof validating these accounts and inquiries and I am requesting prompt removal. 
They can not respond with " This account has been verified '', while having no proof. 

Lastly, I noticed on my Credit Report, my named was misspelled : XXXX with a " XXXX ''. My name is XXXX with an " XXXX ''. I am asking that the following accounts are removed : Accounts : 1 ). XXXX {$300.00} 2 ). XXXX XXXX {$500.00} Inquiries : 1.XXXX/XXXX  2.XXXX., XXXX XXXX 3.XXXX/XXXX