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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initiated disputes with TransUnion, XXXX, and XXXX due to unauthorized accounts appearing on my credit report. Despite submitting these disputes, I have not yet received any response, and as a result, my credit score has failed to improve. This prolonged lack of resolution has led to a significant accumulation of debt as my credit applications have been repeatedly denied over the past XXXX months. I am profoundly disappointed with all three credit reporting agencies for failing to comply with the law.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit report and should be deleted immediately Ive emailed the company and they have told me the matter is resolved and that it should be removed. Ive called and ask for it to be removed and it is still reporting. Im going add the emails with the company stating that the item shouldnt be on there.
Product: Consumer Loan

I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and i have tried reaching them to no avail.Please help me reinstate my paypal account as my hard earned money is there. my mail is XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXXXXXX a request for Debt verification. ( a copy of this request is attached. ) This request was sent by Certified mail with return receipt ( a copy of this receipt that verifies the date the request was sent ) XXXX XXXX  received this request on XX/XX/XXXX as verified by the return receipt ( also attached ) On XX/XX/XXXX I sent Trans Union a dispute ( attached hereto ) requesting this XXXX XXXX record be deleted for failure to respond to my debt verification letter it has been more than 30 days and Trans Union has failed to respond and the complaint of error remains on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX : I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX Cc : CFPB FTC States Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

New York and company is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.
Product: Mortgage

The company is refusing to provide a Loan Estimate, despite providing them all of the information that is required per TILA-RESPA guidelines. 

The company has stated that they will not provide a Loan Estimate unless I lock in a loan with them.
Product: Credit reporting or other personal consumer reports

This is my new attempt to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 
EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Product: Debt collection

I have contacted Affirm regarding the Theft of my Identity However, they have stated that the Items was going to be deleted off my credit report within a few days, I've called them twice a week about this account and the theft of my identity, No one NEVER TRIED TO CONTACT BACK. I am not responsible for this Fraudulent Affirm account that was created under identity theft I have never opened up a XXXX account or purchased anything from that company or any company using Affirm. I am Requesting that affirm show me A Debt Validation, in accord with " Fair Debt Collection Practices '' Provide verification of the debt, as being true, correct and authentic, sworn by oath or affirmation with wet ink signature signed under the penalty of perjury ; and please Include the address that the Merchandise was shipped. Affirm is in violation under the FCRA 15 USC 1681a ( e ) Before anything get furnished on my credit report it supposed to be investigated through interviews with neighbors, friends, associates or myself who has knowledge concerning this matter, which was not done by Affirm. The Company Failed to follow the law. I have contacted the Federal Trade Commision regarding this matter I also presented Affirm with an Identity Theft Affidavit from the FTC which they fail to take in consideration. My rights are being violated under the FCRA and FDCPA.
Product: Payday loan

I borrowed {$800.00} from XXXX payday loan company Mobiloans. I have paid back {$1100.00} and they say I still owe another {$1100.00} in interest charges. I have defaulted on the loan and been in contact with a supervisor about making some kind of deal with them and he was suppose to call me back and I have called every day XXXX4 times a day and he will not get on phone nor call me back, His name is XXXX he goes by XXXX around the office. I can verify I have been calling him daily. They are threatening to ruin my credit. I have paid back all the principal plus some, so what there saying I owe is all interest! I have offered to pay some of the interest. But they will not return my call instead just random workers call me several times daily demanding payment in full. Please help!
Product: Debt collection

An XXXX XXXX XXXX account was opened in my name, without my knowledge, at an address in XXXX, GA. I do not live there, I live in a totally different state, Mississippi, and I have not given permissions to anyone to acquire any services. While checking my credit report, I saw that a collections company had reported a {$490.00} debt to all three credit bureaus in XX/XX/XXXX, so I disputed this item in XX/XX/XXXX with all three bureaus. <P/>As a result, each credit bureau has continued to report this item as a negative adverse account after the dispute. What actions did they take to resolve this issue? They called the collection agency. <P/>I feel that XXXX XXXX XXXX is allowing this to happen to consumers because their ultimate goal is to make money by any means necessary, including identity theft and fraud. They have workers who install services in homes without asking for proper identification. This simple action would alleviate a lot of problems with identity theft and fraud, but its not being done. Then, its reported to a collection agency who makes money by reporting it to the credit bureaus, because consumers would rather let their credit remain adverse or pay it to make the problem go away, than take the time to let their voices be heard. <P/>Identity theft has happened to me several times. I have worked hard to keep my credit in good standing and I refuse to pay for something I have not consumed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX, XXXX : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Product: Credit card or prepaid card

RE : Diamond Preferred Card # : XXXX XXXX XXXX XXXX On XX/XX/XXXX, around XXXX XXXX, I received an e-mail-custom alert from Citi about a {$3500.00} transaction done to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with my credit card ( card was not present at the time of transaction ). 
I immediately called and contacted 24-hour customer service XXXX and I spoke with XXXX ID # XXXX, a representative from Citi, and I told her about this fraudulent charge. She immediately cancelled my credit card and ordered a new one that I received three days later via mail. 
What is strange to me is that if I called on XX/XX/XXXX to report this fraudulent transaction, why did that amount show as approved on the XXXX on my balance statement? It is strange that the transaction is not being shown as pending or under dispute or investigation, but rather it appears it is approved and being charged to my account. Why? 
I have called City Credit Card Corporation several times to tell them that they have charged the {$3500.00} to my credit card balance even though I already reported it as fraud, but they have not done anything about it. Their response is the transaction is under investigation. I spoke with a Citi Supervisor, XXXX  ID # XXXX, but even he does not know what is going on. 
Please, I beg for your help to do an investigation on Citi Credit Card. I strongly believe that someone inside this company, perhaps an employee, is doing this fraudulent charge. 
Thank you for your kind attention to this matter. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel. : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TransUnion Information Services, and XXXX XXXX XXXX has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding the bankruptcy shown on my Equifax credit report. I received Equifax 's dispute result as of XX/XX/2018, confirmation # XXXX. The Equifax response was that the " Consumer 's dispute not specific '' and that Equifax used a third party vendor called XXXX to verify the bankruptcy information. Regarding the " Consumer 's dispute not specific '', this is a FALSE statement. With my dispute submission, I included a letter specifically identifying 6 different discrepancies regarding the bankruptcy along with 2 supporting documents. The most disturbing item from Equifax 's result is the fact that Equifax states they used a third-party vendor called XXXX to verify the bankruptcy. This is a major problem because I have obtained an official letter from the U.S. Bankruptcy Court that  SPECIFICALLY states that they DO NOT report ANY information to XXXX. I have uploaded the U.S. Court letter and the Equifax response from the dispute.
Product: Debt collection

Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.
Product: Payday loan, title loan, or personal loan

I purchased tickets for {$330.00} through XXXX  for a live show in XXXX back in XX/XX/XXXX. I used Affirm to finance the small loan to pay in 3 installments and paid it off with on time payments in XX/XX/XXXX. Since then the show was postponed twice and then finally cancelled XX/XX/XXXX. XXXX returned my money in full ( XXXX ) the beginning of XXXX to the original payment source, Affirm. Affirm was supposed to mail my check to me for XXXX within 16 days. I have emailed, chatted, and contacted them through social media ( XXXX and XXXX ), no less than seven times. I have screen shots of everything and copies of the emails if you would like them for the exact information on each conversation. 
These were the responses : XXXX - XX/XX/XXXX, the first 30 days they tried to verify my address which was correct to begin with and was verified first contact with Affirm the beginning of XXXX. They continued to verify my address via email like they had not before for over 30 days with at least 3 separate emails. Then when I contacted Affirm again after the first 30 days, I was told my matter would be escalated and someone would contact me. I heard nothing for over a week, when I contacted Affirm I was told it was escalated and someone would contact me around the beginning of XXXX. I asked for their contact information since I had not heard at all in a week and was told I could not have that. I am still waiting on a return call for over a month and a half and I have had at least 5 different conversations with Affirm inquiring about my money since being told it was escalated. Each time they only told me it was escalated and someone would reach out to me. I am still waiting two and a half months past my refund being released from the merchant and we are at 2 years and 2 and a half months that Affirm has had my money. I want my XXXX refunded - there should be nothing to look into - the merchant refunded my money and they need to send it to me. It is mine. Affirm has stolen my money, and theft is against the law.
Product: Vehicle loan or lease

BMW Financial I've requested in writing multiple times the entire documentation available on the file including interest rate disclosures and copies of payments made and other historical accounting. Company either does not respond or when followed up by telephone says they will get to it eventually. because the items have not been produced in time in accordance with the fcra designer should be removed from my credit since they're not willing to back up their already fictitious filing on my credit
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this follow-up to inform you that I have escalated my identity theft claim by filing a second report with the Federal Trade Commission ( FTC ) due to your failure to comply with my initial request to block and delete the fraudulent accounts identified on my credit report. The new FTC report number is XXXX, filed on XX/XX/XXXX. This action further supports my claim and highlights the urgency of addressing this matter in compliance with 15 U.S.C. 1681c-2 and FCRA 605 ( b ). I request immediate action to block the fraudulent accounts and provide me with written confirmation of the resolution as required by law.

I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/XXXXXXXX  I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX