23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. 

After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.
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 Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below opensky cbnk was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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: Debt collection

State on the report report for 9 months but I dont who it is and never received correspondence and it a charge- off
Product: Credit card or prepaid card

On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I  received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.

2. The transaction amount did not occur during the promotional period.

3. The type of merchandise purchased was not included in promotional offering. 

I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today,  XX/XX/XXXX, I received the same form letter that I had initially received denying my claim. 

I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business with this company.
Product: Mortgage

A company called 5/3 Bank purchased my loan from XXXX XXXX. The new mortgage holder has recently paid the taxes on the house as required. This puts the escrow balance to a negative XXXX. This happens every XXXX when the taxes are paid. 5/3 bank has claims that my escrow shortage is {$7400.00} and because of that I must pay an extra {$610.00} monthly in order to catch up on the escrow balance. Their are wrong! Here are the escrow details. My annual insurance is {$1700.00} and the taxes are {$7300.00}. Which total XXXX a year or {$750.00} a month. But 5/3 bank wants me to pay {$1300.00} a month escrow. That calculates out {$16000.00} in escrow paid over the next 12 months. But the amount of my insurance and taxes combined is only {$9000.00}.
Product: Checking or savings account

FRAUD! 

USAA allowed someone other than me to take all my money in checking, savings and a savings account I opened for my granddaughter. I am a widow on a fixed income and bills to pay!
Product: Credit reporting or other personal consumer reports

OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with Experian which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.
Product: Credit card or prepaid card

BANK OF AMERICA : ACCT ENDING XXXX WILL NOT PROVIDE PAPER STATMENTS AND AT TIMES, NEVER RECEIVE ANY ONLINE BILLS TO NOTIFY ME WHEN PAYMENT IS DUE. I WILL RECEIVE A BILL AFTER DUE DATE WITH A LATE CHARGE LISTED. 
THERE IS NO CUSTOMER SERIVCE. CUSTOMER SERIVCE NUMBERS- RECEIVE RECORDINGS AND NO ONE EVER GETS ON THE PHONE IN SPITE OF ONGOING RECORDED MESSAGE : SOMEONE WILL BE WITH YOU SHORTLY. 
BANK OF AMERICA SHOULD NOT BE ALLOWED TO REMAIN IN BUSINESS WITH THESE PRACTICES TO TACK ON LATE FEES AND THEN NO RESPONSE TO CUSTOMER SERVICE. 
I'VE TRIED TO RESOLVE THESE ISSUES, ATTTEMPTED TO CONTACT THEM WITH NO RESPONSE.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, i disputed and account on my credit report which seems to be there in error. I filed an FTC report and i followed all steps governed to me by federal law 15 U.S.C 1681c-2 a block of information. I sent this letter to the credit bureau with no response. To my understand, once the steps are completed to black erroneous information the bureaus have 4 business days to block this account. XXXX is the tradeline that is current and beyond the 4 days the law allows. I reached out to the CFPB via complaint ID XXXX on XX/XX/2023 asking for additional assistance and still has yet to receive any updates nor responses. Federal Law 15 U.S. Code 1681c-2 states 4 steps need to be completed in order for a company to black information from your profile and as of XX/XX/2023 the credit bureau is in violation of a response within 30 days of receipt of a dispute and also 4 days in responses to a block dispute. Please maintain 100 percent accurate record keeping as youre governed to do so. Block this inaccurate, and incorrect account from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.
Product: Credit card or prepaid card

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Product: Payday loan, title loan, or personal loan

I was unemployed for a little over XXXX XXXX  following a near fatal motorcycle accident ( a hit and run ) that ended with XXXX broken bones and a XXXX  long hospital stay. Ive had XXXX XXXX  over the last XXXX  months and finally returned end of XXXX to work. Ive been struggling to pay all of my bills and have been denied assistance during this time. Once back at work, I XXXX  XXXX and was unable to work for almost XXXX weeks. I am XXXX  days late on my personal loan with Tower Loan and they have begun to contact my extended family and abusive ex that stole money, belongings, and my cat from me. XXXX told my ex today, Monday the XXXX, that I am in delinquent status on my loan and that I owe them money. He is now holding that over my head as well and making it publicly known.
Product: Credit card

Initially I my discrepancy was with a merchant that is hosted on Afterpays platform. I purchased goods through afterpay and paid off the buy now, pay later service of it few weeks later. I was 3 weeks after purchase, there were no shipping updates on my purchase, so I emailed merchant asking to cancel order, as I didnt realize order would take this long to complete, along with me moving to new address and wanting to avoid forwarding packages. Merchant, still couldnt provide any shipping updates and didnt want to cancel order. I waited 2 more weeks, hoping for atleast an update on my order and still never got one. At this point, I am not happy with merchant as we are on 5-6 weeks later and no updates on my order, and due to poor communication, poor business practices, no updates on shipping, my only resolution is was to cancel my order and request refund. Merchant offered partial refund, I did not agree. At this point, I filed a dispute with Afterpay. The merchant contacted me gaslighting me, by mentioning he was going cancel and do a full refund until I did the dispute. Afterpay did an investigation and determined nothing wrong, which is a joke itself because merchant took pics of products that wasnt even mine to seem like my order was ready. All Afterpay has done is try to pass the buck to the merchant. No accountability or responsibility for a merchant who is hosted on there platform. Still as of XX/XX/year>, I have not received product or shipping updates and purchase was made XXXX. At this point, I am very disappointed in Afterpay and how they handled this issue. I am a XXXX XXXX XXXX XXXX veteran who does not deserve to be taken advantage of by merchant or Afterpay. Only acceptable resolution is for me to receive my refund.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file.

Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I trust that Credit Bureaus takes matters related to credit reporting and customer satisfaction seriously, and I am hopeful that this matter will be resolved promptly and to my satisfaction. If this issue is not resolved within a reasonable exact timeframe, I will have no choice but to seek legal counsel and report the matter to the relevant regulatory bodies. I am asking for your assistance to remove the fraudulent items : 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 XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Had a XXXX XXXX XXXX savings loan with XXXX, everything was going great until they sold and transferred all accounts to SST. SST from the start didn't seem like they had their operations together, so I decided to payoff the remainder of my account. After paying off my account I unlocked the savings I had with XXXXSST which was around {$2200.00}. The day I paid off my account ( XX/XX/XXXX ) I was told it would take around 7-10 days to receive my savings money if I chose to receive it via direct deposit. I called again on XX/XX/XXXX because I hadn't received any money into my bank account, the customer service agent told my that I would have my money on XX/XX/XXXX, which is truly ridiculous. I fail to believe that in XXXX any company to process requests in a timely manner. Today is XX/XX/XXXX, I called and asked where my savings money was and the customer service agent told me that " my account was successfully closed on XX/XX/XXXX and that it would take 10 days from that date to receive my money. Extremely ridiculous, and it seems like they are withholding my money at this point. I have paid off any obligations to XXXXSST on XX/XX/XXXX and we are now almost a month later I have not received only I was told would take 10 days at most. Deceivers and liars.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my profound concern in regards to a few questioned accounts that remain mistakenly recorded on my credit report. In spite of numerous endeavors to address these mistakes and rehashed demands for a careful examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and essentially thwarting my capacity to have a typical existence. The negative repercussions of these mistakes have caused tremendous difficulties, and I'm left with no decision except for to argue for your nearby help with correcting what is happening. 

I generously demand that you lead a careful examination concerning the detailing of every XXXX of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit record so I might recover command over my monetary prosperity. 

I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue speedily would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Product: Checking or savings account

On XX/XX/2023, Discover Bank opened a Checking and Saving 's account fraudulently in my name. Discover Bank then proceeded to send out Debit Cards to other peoples addresses. I never once received a debit card from Discover, I did not receive any account opening documents, and I did not enroll an online profile. Discover Bank did not receive my consent never once. Discover Bank openly admitted that they charged several charges to these account 's. Discover Bank proceeded to open a Money Market account on XX/XX/2023. Again not my account, I have not given Discover my Permission to open said account 's. Discover Bank Charged XXXX to the account ending in XXXX and over XXXX to the account ending in XXXX. None of these charges were authorized, and When I called Discover Bank 20-30 Time regarding the identity theft Discover Bank refused to assist. Discover Bank also reported to XXXX that I conducted Suspicious activity. This is false accusations against me and defamatory. Discover Bank proceedingly wrote a letter to me in the mail stating that the account 's instead of closing them as Identity Theft, and Proceedingly a couple of years ago they opened two credit cards fraudulently as well, Instead of Closing the Account 's as Identity Theft Discover Bank suspended the account 's they then told me I responded to their Text Verification, and I never received any Text from Discover. When I asked for Documentation proof, Discover Refused to send any documentation. Discover has not properly investigated anything. Since my last complaint Discover Restricted the account 's they lied TO XXXX Instead of Allowing me to Deactivate the profile online with Discover the XXXX profile was Terminated and they reported to XXXX there was suspicious fraudulent activity. I have never once had Suspicious activity in my life. Nor have I ever Disputed XXXX charges, I have never reported XXXX Charges fraudulently either. Yet Discover Bank continues to XXXX consumers. False Accusations and Lack of investigation. Discover Bank needs to Deactivate the XXXX XXXX, and Correct their FALSE reporting to XXXX. They are lying about me and XXXX put me on a global restricted listed BECAUSE OF DISCOVERS FALSE ACCUSATIONS AND FALSE REPORTS ABOUT ME. Discover Conducted the Fraud, Discover allowed the accounts to be opened without my consent, Without my Signature. I did not Receive any Statement 's and I did not receive any Debit Cards. I did not speak to Discover about any Disputes. Discover Bank again Authorized all Charges on these account 's never sent me a debit card, and continually slanders me to other instituions. Which is unacceptable. I will dispute these account 's with XXXX XXXX XXXX. I do not Owe Discover Bank a XXXX. I will not pay for Identity Theft Fraudulent Transactions, and I will happily take this to legal matters. I want Discover Bank to Cease and Decist and I want Discover bank by law to Deactivate the fraudulent online banking profile, and remove the false reporting to XXXX they reported.