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

I am writing to formally dispute inaccurate information that your company has reported to the credit bureaus regarding unfurnished loans attributed to me, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, VA XXXX. I can be contacted at XXXX or via email at XXXX. 

On multiple occasions, both in writing and orally, Affirm has stated that it does not report unfurnished loans to credit bureaus. Despite this policy, Affirm has reported such loans on my credit report in violation of this stated policy. I contacted Affirm to remind your team of this error, yet my credit report was updated with even more negative information, seemingly as an act of retaliation and punishment. This behavior is highly concerning and a direct violation of consumer rights. 

I have also attempted to resolve this matter by writing to XXXX XXXX XXXX, outlining the issue. According to my email tracking, my message was read but, instead of correcting the reports, Affirm allowed the inaccuracies to persist and even increased the negative entries. 

Legal Violations By reporting unfurnished loans, Affirm has violated the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Affirm is required by law to furnish accurate information to credit reporting agencies. The reporting of unfurnished loans is false and a clear violation of this statute.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Under the CFPBs oversight, lenders are prohibited from engaging in retaliatory actions against consumers. Reporting false information after my attempt to resolve the issue can be construed as malicious intent.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Any attempts to coerce or punish consumers through false credit reporting are also violations under this law, particularly as they relate to unjust practices or misrepresentation of debts. 

Demand for Immediate Action I demand that Affirm immediately take the following steps : Remove any and all inaccurate, unfurnished loan reports from my credit history with XXXX, and any other credit bureaus to which Affirm may have reported. 
Provide me with written confirmation that these changes have been made within 30 days. 
Failure to comply with this request will result in the filing of formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and possible legal action for violating my consumer rights under the FCRA, FDCPA, and other applicable laws. 

I look forward to your prompt resolution of this matter.
Product: Checking or savings account

On XX/XX/XXXX I received a MoneyLion Debit Mastercard from MoneyLion/XXXX. The card was attached to a XXXX account. I did not open this account, and I did not request the card. I did not activate the card once it arrived. Instead, I tried to find out how this account had been opened, and I tried to make sure it was closed. I tried all three of the contact modes listed here : https : //moneylion.zendesk.com/hc/en-us/articles/360032632292-How-Do-I-Contact-Support- ( chat, phone, and email ). Chat and email redirected me to phone, though, so there was really only one contact mode : phone. When you call the phone number ( XXXX [ XXXX ] XXXX ), there are endless phone trees that don't include an option for closing an account, for reporting a fraudulently opened account, for talking to a representative, etc. And if you don't choose one of the available options, the call is terminated. 

In short, I have found it impossible to reach anyone at MoneyLion who will give me some information about this fraudulently opened account and help me close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company National credit systems keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.
Product: Student loan

I called in to ensure my XXXX Grant was converted to a loan. However, after it was finally converted, my payment plan for my federal loans was somehow changed to a standard 10-year rather than the extended I had it on. I called in again to have my payment plan fixed back to the extended plan and was assured that would be taken care of. I also requested an investigation be taken to find how my loan plan was changed without my authorization. I was later informed that it was automatically triggered by my conversion of the XXXX Grant -- although I had to call again to obtain this information as XXXX did not supply it as requested. I also requested that my XXXX Grants be scheduled for payment rather than staying in the grace period. I was assured that was also taken care of and placed on a 10-year repayment plan. This was per my phone call with XXXX ( emp. ID XXXX ) on XX/XX/XXXX. I requested my XXXX   Grant start getting paid down around 19 minutes into my phone call. 

However, I decided to double-check this around XX/XX/XXXX. My automatic payment plans were removed and I was placed on an administrative forbearance due to an error on XXXX ' part.The XXXX   Grant was also still in grace and no payments have been scheduled to be withdrawn for that balance either. I sent written notice of these errors before XX/XX/XXXX. 

After calling back on XX/XX/XXXX and XX/XX/XXXX, I was informed that I had been misinformed about being able to have my XXXX  Grants put on an automatic payment until the grace period was over. 

A letter mailed XX/XX/2018 also shows that after paying off two of my loans, my payment plan was again changed without my authorization. Rather than staying on my extended repayment plan, my loans were automatically placed back on the standard repayment plan once again. 

My complaint deals with the ethics of XXXX and how they are managing my account, especially in conjunction with how their mishandling may be costing me more money in interest. I should not have to call in every time to change my payment back. The many hours are a waste of my time when they are making money off of me. My complaint also deals with their unauthorized changing of my payment plan without permission and their response that there is nothing they can do about it because it is automatically generated by their system. The reality is that it is an unethical practice -- especially when I had been previously informed that when I paid off a loan, the current loan payments would be deducted from my current plan and I would be paying LESS, not MORE than my current amount. That was a lie, as my plan was not changed to accommodate the two fewer loans I had paid off ; the loan plan itself was changed to a completely different plan and I had been given faulty information again.
Product: Checking or savings account

Truist takeover over BB & T is a disaster.

Truist " claimed '' access would be restored Monday XX/XX/22. 
That was just one of many lies. 
Monday ( XX/XX/22 ) they verbally promised emails to reset my password by sending me a reset email. The emails nevet came, nor are they in my " junk '' file. 
THEIR excuse was for their inability to restore access " you must have an old phone! 
The problem is Truist. 
NOT my phone, An offer of a text was never given. 
Today ( XX/XX/22 ) Truist 's system bot said it would send a text message with a reset link. 
No text. 
Another full system check on my phone, Again, nothing is wrong.

They are lying to custimers, treating them like XXXXs, and blaming others for their own negligence, I am XXXX, on Social Security, have to isolate, Truist has all my money, but I can not pay my bills! 
Thankfully, Social Services paid my electric bill. 
Truist has already refused to talk to me ( & hung up on a call ) because of my XXXX & need to record conversations for clarity. ( Legal in my state, guess Truist is " special '' ) Complaint for that was filed Monday, XX/XX/22. 
Please help. 
Thank you.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with XXXX XXXX XXXX, but I never received the first card. After notifying XXXX that I did not receive it and requesting a replacement, I later discovered a delinquent balance of $ XXXX balance I never authorized or used. I have no knowledge of where these charges originated. This fraudulent activity has severely impacted my credit and financial standing. XXXX, XXXX, Experian and XXXX are all reporting this account with a balance that is not mine. My identity has been stolen, and I have taken the necessary steps to report this crime, including filing a complaint with the FTC and XXXX XXXX police department.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2010, I have sent over XXXX certified letters to both XXXX and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX
Product: Debt collection

I recently got a copy of my consumer report and I see Fed Loan Servicing is furnishing reports in regards to an alleged obligation. I also have letters in the mail I received sometime ago in regards to this same alleged obligation. I am sending a notice delivered in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, noting that Fed Loan Servicing claim is contested and validation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below for XXXX XXXX, I have never had a XXXX XXXX card ever and the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ; Open XX/XX/2008 Account Number 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. Additionally, I don't know this debt.

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

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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

XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both Exeperian and XXXX asking for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. 

Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from Experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had an error in your system in which they deleted a bunch of inquiries from consumer credit reports. Then about a week later TransUnion reinserting those inquiries back on to the reports yet didnt go through the proper procedure to legally do so. Section 611 of the fair credit reporting act states that anything deleted from my credit report and then reinstated needs to be made aware of the consumer. I needed a 5 day notification, which tends to be a letter in the mail ( something I did not receive ), after those items were reinserted. I was a victim of this illegal inquiry issue and have been back and fourth with customer service reporting fraud on my account in an attempt to have it properly resolved. They have done nothing thus far, so I am reporting this to Consumer Financial in hopes to get it properly resolved once and for all.
Product: Debt collection

I was finally able to contact the company on XX/XX/XXXX and asked if they done pay to delete if possible. In which they told me yes they do offer that so I requested it in writing before I would continue with payment. They done as asked and sent me email with everything wrote up and made payment for the full amount I owed in return. Well though it's paid in full they keep telling y'all I still owe the balance when I dispute on credit report. I have my bank statement where was paid in full and email they sent as agreement terms to do so
Product: Money transfer, virtual currency, or money service

I am filling a complaint again cashApp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customers financial protection act ( CFPA ). Specifically, cashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case In our efforts to support victims and work with stakeholders to combat XXXX XXXX, we have identified an issue with XXXX XXXX credit report that includes an outstanding debt potentially related to debt bondage. This debt raises both ethical and legal concerns due to possible fraudulent or coercive practices that have resulted in an unjust financial obligation. 

We kindly request your assistance in blocking and removing any negative accounts associated with XXXX XXXX credit profile.
Product: Credit reporting or other personal consumer reports

Equifax credit bureau is violating my rights under The Fair Credit Reporting Act ( FCRA ) by refusing to investigate disputes filed with CFPB. Equifax is refusing to investigate Complaint ID # XXXX filed on XX/XX/year> ; and Complaint ID # XXXX filed on XXXX/XXXX/XXXX. Equifax states in a letter sent to me and dated XX/XX/year> We were unable to locate a credit file in our database with the identification information you provided. However, Equifax is willing to identify me through financial corporations, collection agencies, and other reporting companies that are using inaccurate, fraudulent information to report to Equifax, damaging my financial wellbeing, and my reputation as a consumer. I believe the letter I have received from Equifax shows its unwillingness to properly investigate disputes reporting inaccurately to its credit bureau.
Product: Debt collection

I have been disputing acct # XXXX from XXXX XXXXBack in XXXX 2015 XXXX had this account # XXXX and I made a settlement offer of {$320.00} owning no more. 
I guess communication was lost between them and XXXX. 
XXXX then sent me to another 3rd party named Afni acct # XXXX saying I owe {$130.00}. 
I spoke to numerous people from afni and they said to send an email that states that I did a settlement with XXXX sent very letter that will be attached with this. 
I Then called XXXX at XXXX XXXX on XXXX/XXXX/2015 and spoke with XXXX XXXX XXXX XXXXHe was very confusing and had said he 'd wave all this as a XXXX? 
I 'm not sure what this meant the gentleman was very hard to understand. 
I then Got email back from afni on XXXX XXXX saying I still owe {$87.00}, I now have spoke with a XXXX with XXXX mst on XXXX/XXXX/2015 XXXX XXXX. 
she said it 's all on XXXX sideso I called and spoke with a XXXX XXXX ( XXXX ) she instructed to give afni the letter again that the account is closed and a the balance is {$0.00} and to close this account with afni.
Product: Debt collection

Tried to log in on my XXXX account, did not remember current password, then blocked from account, told there was a collection notice submitted by equifax, by unidentified complaintant. Tried to contact equifax but told had to call a number. I hate talking over the phone when the issue is unclear and personal mumble so bad I can not understand them. That is why I ask for a written copy, verified with full disclosure.If they have a complaint, I demand a certified, verified and notarized copy of complaint signed under penalty of perjury by preparer. Never received a written complaint by mail from any source.Equifax and XXXX both violating my rights. I DEMAND FULL DISCLOSURE.
Product: Debt collection

I rented an apartment at the XXXX apartments at XXXX XXXX XXXX . XXXX and moved out of the premises in XXXX of XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called IQ Data International Inc. On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XXXX/XXXX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.
Product: Debt collection

I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection amount.