23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase has locked my account on numerous occasions for sending quick pay to a friend that has received/sent me quickpays before. Worst case of this is being today ( XXXX ) the phone operators are trying to tell me to go to a bank to provide 2 forms of identification on a holiday. Why i can pay/receive from everyone else but my friend who i have quickpay history is beyond me. My account should not be frozen for something as minimal as this.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I entered into a Loan Agreement with Affirm for a purchase made at XXXX. The Loan Agreement outlines the total amount financed as XXXX and the total interest to be charged is XXXX bringing the total repayment amount to XXXX 

However, Affirm billed my XXXX card a total XXXX  for the loan repayment. 

I've attempted to resolve this matter and get a refund in the amount of XXXX from them and they are refusing to refund me the money that they have unlawfully collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX XXXX XXXX submitted a personal loan with a XXXX XXXX when in fact i never applied for a personal loan with XXXX. Attempted to call and resolve the matter and unsuccessful and saw it reported to Experian Four times!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX This company ran a hard inquiry on my credit without my consent. This company contacted me through my current home loan servicer. After I called them to ask them about the refinance offers they had available, they on a recorded line told me that that this was not a hard pull on my credit and asked to do a soft pull in order to give me rates. They lied to my face on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I was employed by a company with a single owner/operator dynamic. I was brought in as a driver with the promise of a partnership. Now months into the employment I was being told things such as I was a partner. All the while I was being lied to. We shared email accounts for the purpose of communicating with customers, this led my document and other personal information exposed. Also there were times when I had used my credit cards to pay for fuel for his trucks, for he had zero credit snd could not get a credit card for anything unsecured. There was numerous times between the months of XX/XX/XXXX and XX/XX/XXXX that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Nj was using my credit cards to pay for dump fees for his business. I was paying the credit card bills as they came in to avoid having interest piled on top, which was still sometimes unavoidable. On top of that, I approached him multiple times, he would then make promises to pay the debt back to me. I used my familys entire savings to pay these card charges. And when I finally came to terms that I would never get the money back, and he continued to steal money, and freely use my cards, all the while, not one of these merchants ever got a card authorization form. Or once asked for any identification to prove it was me calling. I later learned that he actually had these facilities store my card info on site, so when he or even sometimes I was going to dump material there, they were charging my cards. While I didnt even know. Worst part is, Capitol one isnt the only card company that he did this on. It also affected my XXXX XXXX accounts as well. Capitol one originally told me I had zero liability for all of the fraud, they removed the charges and credited my accounts. Sent a letter stating that the investigation was over, hopefully I was happy with the outcome, then a few weeks later I woke up and watched while what started out as a - {$36000.00} balance which was the reported fraud being given back to me. I watched as that turned into what is now a {$59000.00} bill. I immediately reached out to their fraud team. Any simple investigation will show that the business that had its bills being paid for was a company that was not mine. I had zero interest in it aside from working for it. I even provided this information to them at Capitol one, and here i am being stuck with bills. I can show debt being paid down from a company that I now own solely. We started that seperate company together, which ultimately ended up with me as the sole owner, for similar situations going on with the business. I was paying the bills with my personal money, and he was taking money from the business, before I could even reimburse myself for what I wad spending. That I understand is not something that is fraud. I got taken advantage of, but all that time and all that money, without me authorizing any of the transactions. Thats just disgusting, and now trying to stick me with the bill.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please read this statement and comply as it contains my full complaint and request : The discrepancies pertain to the following items : XXXX XXXX XXXXXXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b UNKNOWN : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications.
Product: Vehicle loan or lease

I have been conrtacted by XXXX XXXX, he keeps sending the same paperwork and stating that Wells Fargo Auto Finance was not present when the Loan Application went through. This makes no difference as I had banked with Wells Fargo since XXXX of XXXX 

I have my award letter from XXXX showing that I do not make {$2000.00}, which the seller put in as 'Assets '. I`ll be bringing tis up as a main part to the judge when my case goes before her this month. Wells Fargo Auto Finance is just as guilty as the dealership who ripped me off. 

Just by my SSN #, it would have showed on my banking records that I DO NOT make that amount. XXXX XXXX has repeatedly refused to lower my monthly payment amount, and I'm struggling financially.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AM STD ASST, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, AM STD ASST, XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I requested a debt validation letter. When the letter was sent the amount was XXXX rather than the XXXX they reported on my credit. I asked for the explanation for that and then they told me I didnt make a payment in XXXX of XXXX  when the validation letter said as of XX/XX/2021. I asked for validation on the difference and they failed to send it to me. When speaking to them, they were very dismissive and told me that there isnt much they can do as the debt is already in collections.
Product: Credit reporting or other personal consumer reports

I am writing to report an ongoing issue with a fraudulent account that remains on my credit report despite my repeated efforts to resolve it with Experian, TransUnion, and Equifax. 
I am a victim of identity theft, and I have provided all three credit bureaus with extensive documentation to substantiate my claim, including : Police report Identity theft report filed with the Federal Trade Commission ( FTC ) Notarized identify theft affidavit Proof of address Proof of identity ( including my Social Security card ) Despite submitting this evidence, the account continues to appear on my credit file. I have also notified original creditor of this matter, but the issue persists. This fraudulent account is causing me significant financial and emotional distress, and I am fully prepared to escalate this matter if necessary to ensure its removal. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus are required to investigate and remove inaccurate or unverifiable information from a consumers credit report within 30 days of receiving a dispute with supporting evidence. Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) obligates furnishers to correct or delete information they can not verify as accurate once notified of an identity theft claim. I have fulfilled my responsibilities by providing the required documentation, yet neither the credit bureaus nor creditor have complied with their legal obligations.
Product: Credit card or prepaid card

I had a couple of " late '' payments ( did not go over 30 days ) with XXXX XXXX XXXX To alleviate this problem, I set the account up on auto pay. Supposedly, something was wrong with the form when they received it. Instead of contacting me to let me know this, they did not take the next payment through auto draft, cut my credit line from {$1800.00} to {$500.00}, and reported me to credit! Obviously I am not trying to run from this account -- I tried to set up auto draft, and have always let them know my address changes ( I have moved twice in the last month, three times in the last six months. ) They have my current address on file as always.
Since there were three weeks between them receiving the auto draft form, and the next payment being due, I feel they should have not reported me to credit -- and instead called me and let me know what happened ( that i had left something unchecked on the auto draft form. All it was was the section that states whether I wanted the entire balance deducted, or the minimum payment. 

All of this on a balance of about {$250.00}, with a payment due of about {$25.00}! The account was NOT in collections -- it had just had a couple of payment lapse into the grace period. 
We are professional people, always employed since graduation from college in 1987. We own two homes free and clear, a car free and clear, and not only have no bankruptcies, repos, or foreclosures, we have no slow payments or missed payments except this one, and it should not have happened.
Product: Payday loan, title loan, personal loan, or advance loan

Never authorized this company to open this loan contact them directly I'm not interested application was never complete
Product: Debt collection

a ) The company that the firm represents had already collected via my insurer b ) Company have no license to collect a debt in this particular jurisdiction, nor any cause of action in any jurisdiction. It employs a scare tactic form letter. I have a XXXX and have practiced in the field and am familiar with laws and regulations, but I 'm in the minority. 

c ) Representative refuse to acknowledge the aforementioned and made an ad XXXX remark against my mother, not a party. 

d ) Representative attempted and failed at bullying me into paying a debt without a chance for me to adequately explain and when I turn up the volume, he hangs up.
Product: Student loan

I received a letter in the mail dated XX/XX/XXXX. It states that I owe money from my subsidized loans that is due by XX/XX/XXXX. This is incorrect because payment on all my loans is deferred ( along with everyone elses ). In addition, it doesnt list any minimum amount due for my two unsub loans. 

I was making payments earlier this year. I also had issues online trying to pay off only my unsub loans but it wouldnt let me pay the unsub loans without making payments to all my other loans. I decided to cancel all loan payments.
Product: Checking or savings account

On XX/XX/ I received an email from chime at XXXXXXXX XXXX stating that I had created a new account, which I had never done. I called the company to see what was going on and they confirmed that I had a new account with them ( Which I never created ). They took my information and closed the account.
Product: Debt collection

Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.
Product: Consumer Loan

I had a personal loan with Personal Finance Company opened on XXXX/XXXX/XXXX and refianced ( paid in full ) in XX/XX/XXXX. Multiple times, I have contacted Personal Finance Company to report the account information to the Credit Bureaus correctly and multiple times, they have continued to report incorrectly. 

The account was updated on XXXX/XXXX/XXXX ( 2 years and 4 months after it was closed ) and a 30 day late was marked for XX/XX/XXXX. This account was marked a 30 day late when it had been paid/closed/refienced in good standing 2 years and 2 months prior.
Product: Money transfer, virtual currency, or money service

I sent my friend XXXX XXXX on cash app and she hasn't received it yet.there is no phone number to call only texting them.i told them the problem and they won't refund the moneys back to my account or put it into her account like I wanted it.they have done this to many people and they get away with it.can you help me fix this situation not only for me for the millions of others this has happened to.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently tried disputing items off of my credit report and haven't got an update about the the items i disputed. instead i got a letter that i will attach stating that i looks like I'm being they won't move forward. it has been more than 30 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit XXXX XXXX XXXX XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Vehicle loan or lease

XXXX  My issue with XXXX  showing on my credit file that I owe money in which I have a letter saying there is no money owed. XXXX tells me that I owe {$770.00}. I want this resolved with this balance. I'm not at all happy with XXXX and it has made me not like or would ever buy the product ever again in life. 

This matter needs to be resolved I'm not interested in no contract been mailed I want to stick to the issue at hand. I also notice that I can never get an answer to what the {$770.00} it's always pertaining to the issue. No where on my letter from XXXX XXXX   owed that it states {$770.00} in any manner of a debt owed or anything else. 

I have also spoke to an attorney regarding the matter and he explain to me its in correct
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$800.00}
Product: Credit reporting

According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over XXXX year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores.Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, Equifax & XXXX ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. Equifax said they never got the fax although I had a confirmation page of the fax being successfully submitted. Equifax made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

XXXX had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX and Equifax it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.
Product: Debt collection

I received an alert from my credit monitoring agency that a collection was placed on my credit report on XXXX XXXX, 2016 by Trans-world collection agency. I never received any notice of my right to dispute the debt. The collection just appeared on my credit reports. I spoke with a Trans-world representative and she gave me a number to fax a letter demanding due process. To date I have not heard from them. Please assist me in removing this negative information from my report and give me time to check with my health insurance about this medical bill of {$55.00}. 
The representative admitted that there she did not see any documentation of communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to questions specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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