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

I recently made a purchase on XX/XX/2021, using Affirm as my method of payment at a sportswear company. Affirm stated that any purchase I made with the sportswear company would get 20 % off, and that the discount would apply automatically. I made a purchase of {$100.00}, expecting that Affirm would only issue a loan for the amount of {$80.00}. However. Affirm issued a loan for the full {$100.00}, without any mention of taking of the {$20.00} at any point. 

Despite repeated inquiries to the customer service team and even taking a screenshot of the 20 % discount offer ( which was prominently featured on Affirm 's website - I even made the purchase by using the button that appear on their site XXXX, they have been unresponsive and unhelpful with changing the original term of the loan from {$100.00} down to {$80.00}. 

Affirm was deceptive in its initial marketing offer and has issued me a loan for more than what I was willing to accept. Despite their advertising claim that their discount would be automatically applied, I see nothing in the loan documentation or company communications stating this issue will be fixed. 

Affirm has stated that the mistake was on the merchant side and that only the merchant could fix it. However, after contact the sportswear company, they have stated that the problem is with Affirm. I actually agree with the merchant because the original offer and advertisement came from Affirm, not the sportswear company.
Product: Prepaid card

I have been a user with Capital One Shopping for almost 2 years and purchased items though it to earn cashback. I have accumulated around XXXX dollar cashback and hope to redeem them as gift cards. The action was unsuccessful so I contacted their customer service via email. They responded with my account termination without giving specific reason. I hope to get my cashback still
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an American Express account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her American Express. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency XXXX, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please help me
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? 
Please provide me with the name of that individual, their business address, and telephone number. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts ) and all that has ever transpired for the alleged accounts ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Name of Account : Account Number : Provide Physical Proof of ownership
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud/ Identity theft XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank account # XXXX. I received a notice from Regions bank stating that this account was pas due. I knew I didn't have an open account with Regions so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from Regions. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called Regions and they told me that I had a Streamline account and that the yearly fee had been assesed. I informed Regions that I no longer had a Streamline account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with Regions anymore so I asked her how was it possible to have a fee assessed on a closed account. This streamline account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. Regions closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with Regions since XX/XX/XXXX. The person I spoke with at Regions bank on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from Regions ok, clearly this was a mistake on REgions part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the Regions account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by Regions is not fair and then the Regions rep acted as if she didn't care. I have disputed this with XXXX  and XXXX and it's not on XXXX  and the account is as it should be on XXXX ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as Regions closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Loan origination date was on or about XX/XX/XXXX for the amount of XXXX dollars. 
Contacted them in XX/XX/XXXX when the payment amount went up from XXXX dollars to XXXX dollars. During this conversation asked about the loan documents and why we were unable to access them or had not received a hard copy. 
Have made all payments through auto withdrawal loan was never defaulted. 
XX/XX/XXXX of XXXX made pay off in the amount of XXXX dollars. On XX/XX/XXXX of XXXX upon checking the bank account pay of amount and monthly payment were both charged after being told that monthly payment would be cancelled. 
XX/XX/XXXX of XXXX able to access account on website but all items in regard to the loan documents are not available. Links are disabled as are previous loan documents.
Product: Credit card

This company fraudulently continues to charge me returned check fees even though the money is drafted from my account and the money is there. Thats Bank closed both of my account with them and neither account had any relation. This company needs to be investigated for its processes for this particular issue. I have multiple sources of documentation that can prove this banks fraudulent practices proper to my accounts being closed. Agent and Supervisor that I talked to stated that my account was current but there wasnt anything that could be done once the accounts was closed. I was told that if two autopay payments were return then they could close the account even if current even though it was an error on their behalf. I request the consumer agreement to be mail to my house to see if I had the ability to sue this company and still havent received this information. This Bank is stealing money from its consumer and a deep dive into their processes I guarantee this company is doing this to more than just myself. Also if need be I will authorize this entity to review every detail of my account to help validate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Product: Mortgage

I am having a serious issue with Freedom Mortgage. I paid my mortgage payment for XX/XX/2018 online and was informed after the fact that the bank would send them a paper check. As of today they still say they have not received it and my bank says they sent it and it is not their fault that it got lost somewhere because it hasn't been cashed.I contacted the CEO of Freedom Mortgage who is in another state and he sent me an email saying I needed to resolve it with my state. I kept getting stonewalled by Freedom Mortgage and was fed up dealing with rude CSRs who informed me the manager was dealing with other things and could not talk to me so out of frustration I emailed XXXX XXXX who was the one that strongly recommended that I use them for my mortgage. I explained to him that I won't be able to resend the payment until XX/XX/XXXX when I get my retirement check at which point I will pay XXXX and XXXX. because I used online bill pay for my car payment and they credited to someone else 's account so I had to make a double payment while they investigated it. Anyway my bank says I have to pay the {$30.00} stop payment fee which I disagree with since there is proof I submitted the payment on time. Now Freedom Mortgage is charging me a late fee plus it will go on my credit report as my payment being late. This is TOTALLY UNFAIR to me because I sent proof that I did submit my payment on time but it was my bank or someone at Freedom Mortgage who messed up yet I am the one getting shafted. I also wrote the CEO for XXXX XXXX XXXX and still have not heard back. At this point my advice is for people to stay away from Freedom Mortgage because this is a prime example of how customers will be treated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the inquiry listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and this inquiry was made without my authorization. 
The fraudulent inquiry is as follows : Inquiries : XXXX. XXXX XXXX - XX/XX/year>
Product: Checking or savings account

While reviewing my bank statement for Chime online bank a part of XXXX XXXX XXXX  or XXXXXXXX XXXX XXXX XXXX, I happened upon a Card payment from Secured Account of {$1400.00} withdrawn from my account on both XXXX, XXXXXXXX XXXX and XXXX, XXXXXXXX XXXX. When I called the bank to get an explanation ; I was given several reasons, none that offer a real explanation. I asked to speak with a supervisor when the representative after over 45 minutes was unable to give a definitive answer. I was place on hold for about XXXX minutes or so and was disconnected by someone without a return phone call. I subtracted how much had been withdrawn from my account for bills that could be explained and both months there was always a balance of the {$1400.00} difference that could not be explained. I would like a clear explanation of these withdrawals totaling {$2900.00} and if it is fraudulent for any reason, to have my monies returned and the bank penalized. These monies are being withdrawn from my XXXX XXXX check, currently the only income that I have.
Product: Credit card or prepaid card

To Whom It May Concern, I am writing to file a complaint regarding the way my credit card payments are being distributed between my Regular and Equal Pay/No Interest accounts with Lowes Synchrony Bank XXXX My assumption was that when a payment is made to my credit card, the store purchases are paid off first and the remaining amount is paid towards the Non-Interest amount. However, the bank has it set by default to distribute the payment evenly ( by percentage/or flat {$3.00} minimum? ) between the Regular, interest accruing account and promotional non-interest accruing account. I was not given an option to choose how my monthly payments are distributed. 

When I spoke to a representative about this issue, they stated that I would have to call and file a request to payoff the Regular balance, making XXXX not necessarily auto pay. This is an unreasonable solution, as it puts the burden on the customer to make sure that the payments are being distributed correctly. 

For instance, the account is split between Regular ( {$65.00} ), XXXX XXXX/No Interest ( {$2500.00} ), and XXXX XXXX/No Interest ( {$1100.00} ). I made an Automatic payment of {$120.00}. The payment deductions were as followed for Feb/March/Apr statement : Regular ( - {$3.00} ), Equal Pay/No Interest ( - {$83.00} ), Equal Pay/No Interest ( - {$39.00} ). There is a MINIMUM {$2.00} INTEREST CHARGE. If I weren't to catch of to how my payments were being distributed, this {$65.00} balance in reality would equate to {$100.00} ( {$64.00} purchase + {$44.00} accrued {$2.00} interest over 22 months ). 

( $ XXXX {$3.00} per month ) = ceiling ( XXXX ) = 22 months. 
22 months * {$2.00} INTEREST/MONTH = {$44.00} I believe that this practice is unfair and deceptive, as it prevents customers from paying off their high-interest debt first, and ultimately results in customers paying more interest charges over time. I request that Lowes Synchrony Bank change this practice immediately, and give customers the option to choose how their payments are distributed. 

Thank you for your attention to this matter. Please let me know if you need any additional information from me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX  XXXX XXXX : {$2800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.