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

Affirm ( XXXX XXXXXXXX XXXX ) ignored a request for a dispute, after attempting to file a dispute for a loan with Affirm, due to an issue with the merchant XXXX property manager. The service that the loan was taken out for was never used. XXXX refused to issue refund so we attempted to file a dispute with Affirm. Affirm initially stated that the dispute was in process then deleted all evidence of the initial dispute. Affirm ( XXXX XXXX XXXX  ) is attempting to hide evidence of customers requesting disputes. It was not until I called Affirm ( XXXXXXXX XXXX XXXX  ) and threatened to file a formal complaint, that they then took my dispute once again. I do not trust XXXX XXXX Bank to conduct a proper dispute investigation in a partial manner. I am filing this complaint in an effort make sure that a fair and proper dispute and review is conducted and a refund of the full amount of the service purchased given. 

Affirm has closed disputes in the favor of a merchant on XX/XX/2022 without offering evidences as to why a dispute was closed in the favor of the merchant. Affirm will also not conduct a proper investigation, due to the fact that evidence provided by the customer is not properly vetted by XXXX disputes department. 

I believe that XXXX XXXX Bank is involved in predatory lending practices.
Product: Prepaid card

This was purchased as a gift to me and when I went to use it, the value was only {$17.00}. Not {$100.00}. 

When you call the company to dispute the problem, they told you that you have to upload your government ID to their website and share personal / confidential information. This company is taking more money than the cards are worth and then taking advantage of consumers to share private information with them on the back end. Complete SCAM!!!!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Incorrect Late Payment Reporting Barclays Credit Card To whom it may concern, I am writing to formally dispute an inaccurate late payment entry on my credit file related to my Barclays credit card account. My credit report reflects past-due payments on this account, which is incorrect and misleading. While there was an oversight with my auto-payment enrollment, I never abandoned my financial obligations and consistently made payments. 
Timeline of Events : XX/XX/XXXX Payment of {$1300.00} made. 
XX/XX/XXXX Payment of {$700.00} made. 
XX/XX/XXXX Payment of {$250.00} made. 
XX/XX/XXXX No payment made. 
XX/XX/XXXX Payment of {$1000.00} made. 
XX/XX/XXXX Payment of {$250.00} made. 
XX/XX/XXXX Paid full balance of {$2000.00} upon realizing the issue. 
Attempts to Resolve the Issue ( Chronological Order ) : XX/XX/XXXX ( XXXX XXXX  ) Called Barclays ( XXXX call ). Representative stated nothing could be done and advised me to send a letter. 
XX/XX/XXXX Sent a written dispute letter to Barclays requesting correction. 
XX/XX/XXXX Attempted to call XXXX, but due to high inquiry volume, was advised to submit a dispute online. I did so. 
XX/XX/XXXX Filed an online dispute with XXXX. 
XX/XX/XXXX Filed an initial dispute with XXXX. 
XX/XX/XXXX Received written communication from Barclays stating they would not assist in rectifying the credit report. 
XX/XX/XXXX Called Barclays again. Multiple representatives confirmed they would not help. At this point, I closed my Barclays account permanently. 
XX/XX/XXXX Chatted with a XXXX representative online, who advised me to resubmit my dispute with supporting documents. 
XX/XX/XXXX Resubmitted my dispute to XXXX online. 
XX/XX/XXXX Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Request for Investigation and Correction : Despite my continuous efforts to make payments, Barclays wrongfully reported my account as past due, which has significantly harmed my credit score. This is incorrect, as I made consistent payments and never fully neglected the account. Given these facts, I am formally requesting that : 1. Investigate and verify the accuracy of Barclays ' reporting.

2. Remove or correct the late payment entry.

3. Provide a written response detailing the outcome of the investigation. 
Supporting Documentation Enclosed : Proof of Payments ( Barclays statements ) A Copy of My Credit Report ( Highlighting the incorrect entry ) Under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be investigated promptly and a resolution to be reached. 
I appreciate your time and assistance in correcting this inaccurate report.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 5 concert tickets for a XXXX XXXX and XXXX XXXX Concert to be held in XX/XX/XXXX for {$1600.00}. This included meeting and greeting the performers and a photo with the performers. Because of the COVID-19 situation and the statewide ban on gatherings such as this, the concert can not happen and did not happen. Further, meeting and greeting a performer is no longer going to be possible at all. I asked the merchant, XXXX for a refund, but they claim that the concert is not cancelled, but postponed indefinitely. If the concert was cancelled, it would be refunded. Their website, as I recall, claimed to have extensive buyer protections. That's obviously false. I have a document from XXXX ( attached ) that seems to state that the concert will happen in XXXX!!!! This is ridiculous. Concerts are essentially illegal right now and rescheduling 3 years into the future is beyond ridiculous. I just want my money back. They did not provide the service I paid for and I need this money returned. I contacted Citi and disputed this charge, but Citi found in favor of the merchant that can not provide me with the services promised.
Product: Debt collection

I disputed debt XXXX from my credit report and it was removed on XX/XX/XXXX under debt collector XXXX, XX/XX/XXXX under XXXX debt collector, XXXX/XXXX/XXXX under debt collector XXXX, and XX/XX/XXXX under debt collector XXXX. Now another creditor-Pendrick Capital Partners XXXX have placed the debt back on my credit report without notice or validation of debt
Product: Debt collection

Today XX/XX/XXXX a female named XXXX called my employer. She stated to my employer she was XXXX from heights finance and asked questions about me trying to collect a debt. On XX/XX/19 I revoked my voluntary wage assignment in writing. On XX/XX/19 I informed them I was filing bankruptcy and they could contact my attorney. I gave them all my attorney information at that time. My employer called me immediately after and was wondering what this call was about. I had to give my employer more personal information about my bankruptcy them I had planned too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEND LETTER AFTER TO ALL 3 CREDIT BUREAUS, I HAVE FILED WITH FTC ... AND REACHED OUT TO THE CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert that my First Citizens Bank Auto Loan was " Closed '' and that the balance had increased ( see attached screen shot ). My account is not closed and I have never missed a payment ( see attached First Citizens Account History ). I contacted First Citizens about the issue and they advised they were aware of the issue and were working to correct it. I sent a second email and asked if they were aware why didn't they contact their customers to advise them of the situation. I received the exact same " canned '' response from a different rep. I have received no other communication from them and as of today 's date XX/XX/18 the issue still shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps saying they fixed the problem, but it still show incorrectly that the account was settled for less than the full amount. ( see highlighted portion of XXXX XXXX   response ). 
This is costing me {$88.00} per month in extra payments on my mortgage. It's been incorrect since XX/XX/XXXX. XXXX keeps apologizing, but hasn't fixed it. I'm getting tired of waiting. My next course of action will be in court. I will try and recover damages for my payments due to their negligence. FIX THIS!
Product: Credit card or prepaid card

Chase Freedom card had a 0 % APR balance transfer offer. What they did not make clear in this offer is that any purchases you make per month on top of the balance transfer amount is charged high interest and you don't even get the 30 day interest free period anymore. I don't understand why they would have such a misleading offer. People that avail balance transfer services do it to pay low interest but instead now I'm getting charged monthly interest on an account I never paid interest for because I used to pay my balance off within the 30 day period. They never sent me documentation when I first signed up to explain the offer and are refusing to refund the transfer fees and the unnecessary interest payments.
Product: Credit card

I was not able to use rewards as I earned them since XXXX. Now, all the rewards I could see but not use are missing from the account. There is no transaction history that shows the amount that is missing, so I didnt use them nor did someone else somehow gain access to them and steal them from my account. Comenity bank has just deleted them, even though the earnings show up in my transaction history.
Product: Debt collection

To Whom This May Concern, My name is XXXX XXXX and I write you this message seeking your help. Over the past 3 months, it has come to my attention that my identify has been stolen. As of now, more than 5 accounts have been opened in my name dating back to XXXX of XXXX. I have only recently found out about these fraudulent accounts as I started receiving letters from collections agencies. I have been working with that collection agency and XXXX to help resolve these matters. 

To date, I have commenced the process with all the financial institutions that allowed accounts to be fraudulently created in my name except for one. That one institution that has refused to help me has been Chime Bank. I reached out to Chime on XX/XX/XXXX asking for help. Over the course of 9 days, I emailed their customer support team XXXX additional times asking for their assistance. In my emails, I repeatedly asked for a phone number of someone in their fraud department, so I could speak directly with a representative to solve my problem. Each time the representative from Chime refused to provide me with a contact with whom I could speak. 

Chime consistently said that they needed a police report to be filed, in order to further assist me. As you will be able to see from the email chain I repeatedly informed Chime that I was unable to file a police report at this time for the following reasons : I didnt open the account, so I dont have the account information I dont know where the account was open, so I dont know which police department to file a report with I dont know what was purchased, so I dont know what to claim was fraudulently purchased I dont know when purchases were made Chime continued to ignore my requests, which leads me to writing you this letter. I have nowhere else to turn. I have done nothing wrong. I am simply trying to address these issues of fraud that have occurred in my name. Chime has made it clear that do not intend to help me, the victim. 

I have also provided a PDF copy of the email chain between myself and Chime as proof that they refuse to assist me. I need your help. Please let me know what I can do to address this. This is both stressful and time consuming. To me, this is just an example of a big institution allowing fraudulent transactions to take place without any regard for the victim. Why is it ok for them to ignore my pleas for help when I have done nothing wrong and am not able to provide what they are requesting. Thank you for taking the time to read this message and I very much appreciate any assistance you can provide me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report, as I have recently discovered that I am a victim of identity theft. The following accounts were opened without my authorization and are damaging my credit score at a critical time. These fraudulent accounts are not mine, and I request that they be removed from my credit report immediately. 

The accounts in question are : 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 Account Number : XXXX ( Experian ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit inquiry and credit card account is valid and do belong to me. The XXXX XXXX and XXXX XXXX  XXXX XXXX credit inquiry is mine and do belong to me. I gave authorization to XXXX XXXX and XXXX to pull and access my Experian and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates reported are completely incorrect by years. This debt was from 2014.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items. 

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Product: Credit reporting or other personal consumer reports

I never applied for or requested credit from any of these companies, and have told this to Equifax multiple times. I requested proof, and all they respond with is that these inquiries will remain for XXXX years. They don't even investigate. 

XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX ( Finance ) - XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the homedepot/CBNA, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any other purpose
Product: Credit card

I, the consumer and natural person, was denied credit by Apple Card when my Card was closed without my consent and any explanation.

they also withhold all the money that is on my saving account and refuse to release it.

Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C.

1691 as I have proof that I was discriminated against by Apple Card to the response I received.

Apple Card is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Apple Card. 
Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards, Sincerely XXXX XXXX
Product: Debt collection

Received a letter from Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX attempting to collect {$57.00} for XXXX XXXX. 

We are not customers of XXXX XXXX. 

File Number XXXX XXXX XXXX
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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( cfpa ) specifically cash app 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 proce 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 these violations
Product: Mortgage

My deceased father had a mortgage with the servicer Ocwen. I am selling the home and when I requested a payoff, I was told that it was {$100000.00}. The purchase price of the house in 1978 was only {$100000.00}. Although my father refinanced the home, I believe that Ocwen has greatly inflated the payoff amount for the home. Will you please look into the payoff for me and make sure that Ocwen is asking for the correct amount. Thank you!
Product: Student loan

I still have to file a complaint against the University XXXX XXXX, but here is my issue. I borrowed very little money to attend the University XXXX XXXX and only recall one check being sent to me for over-payment, being that I was also receiving the XXXX GI Bill while I was in the service. So, I really didn't need to borrow the money at all. Everything was covered. I recall receiving a payment for roughly $ 2,000- {$4000.00}, I don't recall being that it was over 15 years ago. 
{$4000.00} led to over {$11000.00} in loans. I consolidated with Navient and instantly {$11000.00} became over {$24000.00}. I didn't receive any additional checks, yet a consolidation led to a {$13000.00} increase. This appears to be a scam to me. 
I have tried fixing things with the University XXXX XXXX as well as Navient. My messages and emails ( with a letter attached ) have all been ignored. I really don't feel like paying any more money to these guys until they can first prove I owe what they say I do. Better yet, I prefer to have them fix this issue, knowing that I not only didn't borrow what was said was borrowed and then a consolidation led to a {$13000.00} increase. 
They are lucky that they received the almost {$4000.00} they did when I filed for bankruptcy when I became a single father of XXXX. That appears to be what I borrowed from the get-go, yet they still show this astronomical amount on my credit report. I have been trying to get answers for years, but have always been ignored. I figured now was time to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I checked my report as usual, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the issue persisted. I'm extremely frustrated and demand that the documents I've submitted be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Transunion for over a week on trying to identity why I am unable to view my active disputes & dispute history online. 

Every time I call Transunion support, they end up transferring me 3-4 times, and I end up getting transferred to a " complaint and support dedication '' hotline where I have to leave a voicemail with my name & personal information. I have left several voicemails and no call has been returned. 

I have advised representatives multiple times that I am not trying to make a complaint about the company. But rather, I am simply wanting the ability to dispute online and see my active & previous disputes. 

My last resort now, is making a complaint with the CFPB since I am unable to get any support from Transunion.