23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Consumer Financial Protection Bureau ( CFPB ) Online Complaint Submission Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA, XXXX Email : XXXX Phone : XXXX Product/Service : Loan ( Personal Loan ) Company Information : Company Name : Affirm , Inc . 
Company Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 
What Happened : I purchased a scooter from XXXX XXXX on XX/XX/2021, financed through Affirm. The scooter was never delivered despite a promised delivery time of XXXX days. XXXX XXXX had a XXXX delivery policy, conflicting with Affirm 's XXXX dispute policy. I attempted to resolve this with Affirm multiple times over XXXX years, to no avail. XXXX XXXX claims a chargeback was initiated, but Affirm and the funding bank, XXXX XXXX XXXX, have no record of such a chargeback. I have incurred significant financial harm and credit damage due to this situation. Affirm has charged off the loan on my credit report, and I have not received the product or any invoice or receipt for this transaction. 
What I Want : I seek full reimbursement of all funds and interest paid towards this loan. {$9000.00}. I also request that the charged-off loan be rectified on my credit report. I am seeking a fair and thorough investigation into this matter, in accordance with consumer protection laws. 
In closing, I appreciate your attention to this significant matter. My expectation is not only for a resolution to my individual case but also for Affirm to uphold the principles of fairness and responsibility towards its customers. I trust that Affirm will treat this matter with the urgency and seriousness it deserves. Your prompt and just resolution will be a testament to Affirms commitment to customer satisfaction and ethical business practices. 
Thank you once again for your time and consideration. I look forward to a favorable and timely response. 
Sincerely, XXXX XXXX
Product: Debt collection

They are reporting 4 accounts on my credit as potentially negative and impacting my credit score I dont owe anything on those accounts I requested information showing the accounts are negative but they could provide me any of that information
Product: Debt collection

XXXX XXXX XXXX recently reported a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Debt collection

My TransUnion account is inaccurate. I disputed the following companies via XXXX mail yet none of this is reflected on TransUnion : Data for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Online in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX So this was not showing these accounts under dispute with Transunion, I sent a packing with a dispute letter for each account directly to Transunion, and still not showing disputed. I spoke with their staff with no resolution and tried disputing on their website but would only allow XXXX disputes to be created. 
I asked for the following in the XXXX XXXX & the XXXX sent to Transunion including a letter for each account ; verify debt, basis of debt, copies of paperwork that shows that i agreed to pay debt, name & address for the XXXX creditor, proof of XXXX XXXX XXXX has not XXXX, evidence on the XXXX to collect, XXXX number & XXXX & XXXX of XXXX agent, What company verified this debt, including XXXX & XXXX, XXXX of assignment, XXXX  XXXX agreement with XXXX and proof of XXXX. Please XXXX debt. To this day, I have not received any of this information. 
Also Transunion has XXXX information for balances XXXX on my XXXX XXXX accounts. 
Transunion is in violation of the Fair Debt Reporting XXXX & Fair Debt Collections Practices Act and/or XXXX XXXX XXXX. 
Thank you
Product: Mortgage

I and my wife who is now deceased as of XX/XX/2016 applied for a second mortgage and was accepted by Bank of America at 11 % Because of high interest at that time we accepted the Loan. I am XXXX years old with social security and civil service pensions, Since my wife is deceased I no longer have her income to make payments. I recently applied to Bank of America at XXXX XXXX XXXX XXXX FL XXXX, XXXX for a loan modification to reduce my interest rate and payments, and was refused. I believe that the reason that the bank refused was that I am XXXX XXXX with a postal address in a city of predominant XXXX population. My Post Office zip code is XXXX XXXX XXXX IL, although my home is physically located in XXXX Illinois. I believe that all of the homes located in XXXX XXXX XXXX are appraised below their actual value because of XXXX occupancy. I am a veteran with service twice and am XXXX  XXXX XXXX XXXXXXXX.
Product: Mortgage

Hello my name is XXXX XXXX I am XXXX years old and have lived in my home almost my entire life due to my father building the home in XXXX for our family. I am going to try to make this as brief as possible because there is so much going on with my situation. 
I originally was with XXXX XXXX XXXX. After my mother passed away in XXXX I bought the home she and I lived in and have lived in since. I got a HELOC in XXXX. In XXXX I was getting a loan modification but they said I would do the Modification on the first loan and after I was approved I would work on the HELOC which was strange to me but trusted they were looking out for my best interest. It took them 24 months to approve the modification on my primary loan and then shortly after I received a charge off on the HELOC. Within these time framesI kept current on both the loan and the HELOC until they ( XXXX XXXX XXXX  ) told me it was charged off. After charge off was received I was told by the new lender XXXX XXXX XXXX that I was current and to keep paying on my primary loan which I have done up to XX/XX/XXXX. 
In XXXX of XXXX almost 10 years later I received a Notice of default on the HELOC loan I was very confused and tried to work things out with the new servicer which was Special Loan Servicing LLC. After 10 years of my thinking the HELOC was charged off I was absolutely shocked and frightened about what to do. I hired a lawyer and have been taken advantage of and mislead since. In late XXXX I was contacted by Special Loan Servings lawyer who said they would work with me if I dismissed the lawsuit. On XX/XX/XXXX I had borrow money from a friend to go have a consultation with a new lawyer because I had know idea what all this meant and felt I needed someone who was professional to help me. She was going to handle getting the Auction postponed so I would be allowed time for the modification and dismiss the lawsuit. Things have not progressed well since I hired her and now as of today she told me that Special Loan Servicing is not going to postpone auction and they will move forward with the foreclosure process. I am desperate and afraid of being on the street after XX/XX/XXXX which is the auction date. I have no more money to hire an attorney and writing to you is my last resort. I just wanted the opportunity to get the HELOC modified and I would begin to make payments, but they never allowed me that. Again I am current on my primary loan and never have missed a payment. Although I was advised by the newest lawyer to not make XXXX payment. She has dissolved our relationship as of today. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX Balance : {$5800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

MILLER & STEENO XXXX, XXXX XXXX XXXX, Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX This firm put a garnishment on my checking account with XXXX XXXX XXXX on XX/XX/2019.
Product: Checking or savings account

On XX/XX/XXXX I received paperwork from Bank of America on My Business Account. Someone had gone online and Opened a Business Checking and Savings account using all of my Business information. I went to the local Branch in XXXX CT. I was told that I would receive a Fraud report that I needed to fill out within XXXX business Days. After XXXX business days, I called the Fraud number to AGAIN request the Fraud report. Within that time I received a Debt card and PIN number on this same fraudulent account. I was again told within XXXX days I would receive a fraud report that I needed to take to the branch and I would receive this by email. AGAIN I waited 5 days called back was on hold for XXXX minutes before I was able to talk to someone who again said I would receive the fraud report within 5 days. After Finally receiving the report I went to the branch filed the fraud report and was told to wait 5 days to call to make sure they received my paperwork. Over the weekend I received Bank statements because they still have NOT closed this account. 
Bank of America should NOT allow business accounts to open online, this is a VERY BAD business practice and very much hurts consumers. It has created a HUGE Problem for me that I need now follow up almost daily because of Bank of America Bad business practice
Product: Credit card or prepaid card

I took out a medical cc from Wells Fargo that had a 20 month interest free promotion. I had three XXXX resulting in 2 promotion periods. I had been making more than the required minimum payments, expecting that the first promotion would be paid down first. The bank allocated part of my payments to the second promotion. Now at the end of the first promotion period I am required to pay 75 % of my outstanding balance. Which negates any benefits that I would have received from my second promotion balance. I have talked to Wells Fargo many times and escalated it to senior management, but their response is that is what the system does and they cant do anything about it. I feel the promotion was fraudulently presented in that the allocation of minimum payments was not adequately disclosed. 

I had to call Wells Fargo to get the amount due to avoid a penalty because it is not obvious on the statement.
Product: Debt collection

I have reached out this Debt Collecting Company I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I requested a Validation of debt. They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. There is lots of inaccuracies with reporting This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. I now demand that this information be removed if they are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus. 

I have previously also summited a complaint in regards to this Consumer Financial Protection Bureau case number : XXXX and received a resolution however they are reporting again.
Product: Debt collection

After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, USAA bank had already started transferring the servicing of the loan to XXXX  on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX. 

I am asking once again that their lien be removed because USAA has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer USAA canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer XXXX.
Product: Mortgage

Initiated a personal loan XXXX simple interest ). Was making extra payments toward principal. No payments were applied to principal. Was told it was not a simple interest loan, though I believed it was at signing of papers.
Product: Debt collection

Repeated calls from American Express debt collection and also called relatives. I am not sure how they have all my contacts.
Product: Credit card or prepaid card

The moment I disputed a billing error in XX/XX/2021, Discover not only furnished non payment to the credit agencies, which is a violation of 15 USC 1692c, but they also closed my account which is violation of 12 CFR 1026.13 ( d ) in XX/XX/2021. 

They didn't give notice until after the adverse action was done, which is violation of 12 CFR 1026.9 ( c ) ( 2 ) ( i ) and did not reflect my rejection on my account which is a violation of 12 CFR1026.9 ( h ) ( 1 ) AND 12 CFR 1026.9 ( h ) ( 2 ) ( i ). 

I informed Discover that they were willfully and negligently violating 15 USC 1637 open-end credit and that I DEMAND they reopen my account as the beneficiary of such account. 

They still did not comply. 

This account was created from a consumer credit transaction and therefore, I DEMAND my dividends for such an account.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE INQUIRES FROM XXXX, XXXX, EXPERIAN THERE IS FTC REPORT WITH NAMES AND DATES OF INQUIRIES.
Product: Debt collection

I had a judgment placed against me by a debt collection agency who used a fictitious name ( for me ) for a debt that I supposedly incurred with a credit card company that I never applied for. I didn't know they had any judgment or charges against me since it never showed in my credit report, I was never contacted by them and there has been no collection attempts on their behalf that I recall prior to the filing of the original case in XX/XX/XXXXfor a debt that they claimed occurred in XXXX. I also never received any judgment papers from the court or any fees associated with this claim. I got a reviver of judgment paper last month for {$10.00}, XXXX up from the amount that the original amount started at in XXXX for {$7600.00}. The case is still going to be heard for the revive motion next month and still being processed under a fictitious name. This debt never occurred by me or anyone on my behalf because I have never owned a credit card ( other than prepaid ) after my ex husband filed for bankruptcy on or about XXXX and I had to be included in it against my wishes. I would never have used the name that they submitted the claim against me and I was never given any verification of the debt. When I contacted the attorney representing them, they would not let me speak with the attorney on file, the receptionist however refused to give me any verification of the debt other than who the debt was supposedly incurred with originally and the dates that it supposedly happened. These allegations of debt will not be verified, I would never use such a name and I have never used a credit card since bankruptcy. The credit bureaus also put a fraud alert on all my credit reports since this happened and removed the fictitious name from my accounts used by this debt collector.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Summary : A clearly fraudulent charge was made to my Coinbase XXXX card for {$700.00}. Coinbase support was immediately informed of the charges, but failed to prevent the transaction from completing. A dispute was filed with Coinbase, but after weeks, the fraud team closed the claim without reversing the charge. The funds have been taken from my account without my consent, and Coinbase has left me with no further way to combat this fraud. 

-- -- Details : As a user of Coinbase ( www.coinbase.com ), I signed up for a Coinbase Card in XX/XX/XXXX. This is a XXXX debit card issued by XXXX which uses various currencies in a Coinbase account to fund the debit card payments. 

After using the card without issue for many months, I experienced a pair of fraudulent charges on XX/XX/XXXX ( screen shots attached ). My card was still in my possession at the time. 

Charge # 1 : {$5.00} to " XXXX  XXXX XXXX '' on XX/XX/XXXX at XXXX AM ( this charge was later declined ) Charge # 2 : {$700.00} to " XXXX XXXX '' on XX/XX/XXXX at XXXX AM ( this charge originally showed as {$710.00} ) Hours later, when I first noticed these charges, I contacted Coinbase via their website to report the fraudulent attempt. I also followed up by calling the customer service number listed on the website. 

On the phone ( XXXX AM, XX/XX/XXXX ), the Coinbase card representative indicated that nothing could be done as the charge was " still pending ''. I locked the card per his advice, and was left hoping that both fraudulent charges would be declined in due time. 

On XX/XX/XXXX, I received an email ( attached ), which reiterated that the transaction was still pending and that nothing more could be done. He also indicated that my card would be deactivated at that time. 

On XX/XX/XXXX, a second charge by XXXX XXXX was attempted, but it was declined since the card was locked. The original charge for {$710.00} was still pending. 

On XX/XX/XXXX, I replied via email that a charge for {$700.00} from XXXX XXXX had completed. I also followed up via phone on XX/XX/XXXX. The phone representative indicated that a dispute would be opened with a fraud specialist, and I should wait for an email from that team. 

On XX/XX/XXXX, I received indication via email that the Coinbase Card US support specialist was looking into the case ( see attached email ), and that I would receive a follow-up via email. 

By XX/XX/XXXX, I had received no follow-up, so I requested an update via email reply. Within five hours, I received a reply that my fraud dispute was rejected as invalid and that Coinbase would be closing my claim. 

I now have no recourse to fight this fraudulent charge within Coinbase, and my account is missing the {$700.00} which was taken without my consent. 

-- -- Notes : Repeated fraudulent charges from XXXX XXXX to other Coinbase Card holders have been reported online. 

1XXXX XXXX XXXX XXXXCoinBaseXXXX/ 2. XXXX XXXX XXXX/CoinBase/XXXX 3. XXXX XXXX XXXX/CoinBase/XXXX  4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted within ( 4 ) business days pursuant to FCRA 605B15 U.S.C. 1681c-2 ( a ).

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of data breach, identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX  with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXX XXXX with a balance of {$19000.00}. And all closed accounts including XXXX XXXX, and XXXX .

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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

Why I am filing a complaint against  Wells Fargo.    I applied for  one of  their  XXXX   XXXX  credit cards because It offered {$150.00} reward if I applied, got accepted and made {$1000.00} in purchases during the first 3 months. I made {$1000.00} in purchases during the first month. I called  Wells Fargo  about getting my rebate and they gave me the run around. Then they tried to tell me the promo was for only {$100.00}. I have made a dozen calls and complained. I have also complained with their  executive appeals office. However, during my first 3 months with this credit card, Wells Fargo increase their offer to {$200.00} ( with the same requirements ). I am filing a complaint because Fargo  has not been ethical and honest with me at all and have never responded to my dozen or so calls to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.