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

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Affirm - Violations of the Fair Credit Reporting Act and Negligence in Account Handling Dear CFPB, I am filing this formal complaint against Affirm, invoking my rights under the Fair Credit Reporting Act ( FCRA ) and calling upon the Consumer Financial Protection Bureau 's regulatory oversight to address the egregious violations and negligence that have severely impacted my credit standing and financial well-being. 

Detailed Grievance : On XX/XX/year>, I initiated contact with Affirm to report a critical issue regarding access to my account. Affirm acknowledged receipt of my complaint and assured me that a resolution would be rendered within 10 days. Contrary to these assurances, it has been over three months without resolution, despite repeated follow-ups and written promises from Affirm stating that the matter would be addressed within 3 to 5 days of each letter thereafter, which have also gone unfulfilled.

During the pendency of this investigation, I formally requested that Affirm suspend any negative credit reporting to protect my credit profile, given the circumstances and ongoing investigation. Affirm 's failure to adhere to this request constitutes a breach of their duty under the FCRA to ensure accuracy and fairness in credit reporting, violating Section XXXX, which mandates timely correction of inaccuracies. This negligence has resulted in unauthorized negative entries on my credit report, causing : XXXX. Adverse Impact on Credit Score : A significant decline in my credit score, violating the FCRA 's provisions regarding the accuracy of consumer information and causing undue financial harm.

2. Lost Financial Opportunities : Direct repercussions from this misconduct include missed opportunities for credit and other financial products, which warrant restitution.

3. Resulting Damages : Emotional and financial distress due to Affirm 's continued non-compliance with regulatory standards and failure to provide timely resolutions as required by law. 


Sincerely, XXXX XXXX
Product: Credit card

I am writing to request your assistance regarding an issue with Discover concerning both a personal loan and a credit card account. During the XXXX pandemic, I negotiated a reduced payment plan due to my business closing, agreeing to a payment of $ XXXX monthly towards a {$4000.00} loan. Additionally, I was only {$430.00} short of paying off a {$3000.00} credit card balance when Discover unexpectedly closed both accounts and transferred them to collections without any clear justification
Product: Debt collection

The company keeps calling saying I owe a debt. I requested information to prove its me that owe the debt and they would not provide me with the information. These people are garnishing my check and they dont have a license to collect a debt in the state of Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX XXXX XXXX Balance : {$1100.00}
Product: Debt collection

I was contacted by a person claiming to be an official with my local XXXX. The phone number he called from was a local number, so I believed he was who he said he was. He asked if I had been served a summons to appear in court. I told him I had n't. He stated that there was a case against me for defaulting on a loan from ace XXXX express. He stated that he was going to put a hold on my case for 30 minutes in order to give me time to contact the party that had filed the case. He stated that if I did not comply within 30 minutes my drivers license would be suspended. I called the number he gave me and they stated that they were with the XXXX and XXXX law firm and that I had defaulted onot a loan with ace cash express. They stated that they needed to collect a sum of {$760.00} today. I informed them that I could not pay that amount. They agreed to spread the amount over XXXX payments with the first payment to be collected on XXXX XXXX 2016. I was hesitant to give my bank information until they stated that if I did not set up this arrangement then and there, I would be sued for the attempt to commit fraud and my license would be suspended. After they collected XXXX on the XXXX, I called a day before the next scheduled payment asking for an extension. I was denied and told that if I did not pay, my case would be forwarded to the legal department to start the litigation process against me for attempting to commit fraud. I agreed to pay {$95.00} on XXXX XXXX. I then began researching their process and came to the understanding that they did not have the right to threaten me or misrepresent themselves. I dug further and found out that the person that originally called me claiming to be an official for my local XXXX did not exist. I attempted to contact XXXX and XXXX to ask questions and was told that they were not going to deal with me anymore and my case would in fact be forwarded to their legal department. They 've refused to speak with me on the matter since. They never provided me with any documentation of this debt to ace cash express and I feel they have violated my personal rights and the rights under the law that governs their practice.
Product: Mortgage

Last year my original lender sold my mortgage to Ditech.com. At that point the existing property taxes and insurance had been paid. From that point on my property taxes did not get paid. I notified Ditech that no taxes had been paid, but nothing was done until I wrote a formal letter. When they did finally pay them, they performed an 'escrow analysis ' that passed on the cost of the fees and interest charged by the county, and increased my mortgage payment $ XXXX/month. I spoke to my county treasurer 's office and they told me that what Ditech was doing was totally unethical - that my loan was up for lien last XX/XX/XXXX and I was just lucky that it was n't purchased. Also, as I understand the law, Ditech is responsible for any fees and interest charged due to their mistake. Through research I 've been doing online, I have found that this is a regular pattern of behavior for Ditech, and that this was no mistake at all, but seems to be a standard practice that is happening on a much broader scale. If they are doing this on a larger scale, that is fraud.
Product: Mortgage

We initially had our loan through XXXX. It was transferred in XX/XX/XXXX to Mr. Cooper. They have since placed forced hazard insurance on us and refused to refund us the premium and late fees. Our initial homeowners insurance company was involved in a bankruptcy and we were never notified of it. We continue to pay our premiums monthly. They are trying to tell us that were negative. They raised our mortgage payment. We keep getting the runaround and can not get any answers. I believe they have violated the code We have spoken to them numerous times today XXXX XXXX. They told us that they sent us a letter in XXXX which they did not. I have the two welcome letters they sent us. None of them said anything about insurance being lapsed, and then our first bill received from them was XX/XX/XXXX of XXXX and I have a copy of that as well that showed our escrow balance being {$160.00} and some change far from the negative balance I said we had when our loan transferred to them, we did not know we were behind on anything until the middle of XX/XX/XXXX they did not notify us in the required amount of time according to law.

1024.37 Force-placed insurance.
Product: Debt collection

Collection agency ( Portfolio Recovery ) purchased a debt from XXXX XXXX XXXX in XX/XX/2016. Portfolio Recovery contacted me at my work during working hours and demanded payment of {$400.00} on numerous occasion. Since my employer was now involved, I agreed to a payment schedule of {$69.00} a month in which I paid the first payment with my debit card over the phone. After making the first payment, I reviewed my financial records and could not find where I had ever had an account with XXXX XXXX, therefore I disputed the debt with Portfolio Recovery and in return they sent my a copy of an electronic bill from XXXX XXXX. I responded to Portfolio Recovery stating that this was not my debt and requested a document from XXXX XXXX bearing my signature showing that this was in fact my debt. I then received the same copy of an electronic bill that did not have my signature. I made the second month payment of {$69.00} and then I contacted Portfolio Recovery by phone in which their Customer Service Agent stated that I owed {$260.00}. I told the agent that this was not my debt but she insisted that I would still have to pay or the collection would be on my credit report for seven years. She then stated that if I would pay the remaining {$260.00} that Portfolio Recovery would agree to remove from my credit report if paid in full. I then made a debit card payment in the amount of {$260.00}. After a few months went by, I check my credit report from the three major credit bureaus and found that two of them still listed the collection on my report. I have filed numerous disputes with both the credit bureaus and Portfolio Recovery and each time I receive the same notification that they have verified this debt to be mine and each time I receive the same copy of an electronic bill from Portfolio Recovery. This issue has been going on for almost a year now and I can not get any resolution from either the credit bureaus or Portfolio Recovery.
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Debt collection

In  XXXX   XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through  XXXX  on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about  XXXX  of  XXXX  I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account # XXXX with a balance of {$360000.00} is reporting to XXXX XXXX and Experian credit reporting agencies as XXXX  days late in XXXX of XXXX. It is also reporting as paid on time for the months of XXXX XXXX of XXXX This would mean it would be impossible for me to have paid on time in XXXX and XXXX of XXXX and was late on the same account XXXX  days! The Fair Credit Reporting Act states all information must be accurate! On XX/XX/XXXX I requested a bank statement showing I paid this account late and this request was rejected by XXXX XXXX  Representative. The burden of proof to prove a consumer was late paying on an account is on the the XXXX XXXX XXXX and the data Furnisher! See XXXX XXXX XXXX XXXX XXXX ( XXXX ) United States XXXX XXXX XXXX XXXX XXXX No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Product: Debt collection

I am filing a complaint against AFFIRM INC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : AFFIRM INC, Account Number : XXXX. The account that is reporting on my XXXX report is stating that the balance of {$390.00}. I would like you to fix this, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX Balance : {$260.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX : {$100.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX : {$420.00} - There should not be any outstanding medical bills as ALL bills are covered under my workers ' compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees & HIPAA authorization or Delete this account.
Product: Student loan

I have federal loans with Mohela and am working toward Public Service Loan Forgiveness. In XX/XX/XXXX I was placed on administrative forbearance through the end of XX/XX/XXXX. The Mohela website clearly states that my {$0.00} payments during XXXX, XXXX, and XXXX will count toward PSLF. I submitted employment verification on XX/XX/XXXX. This form has been processed. My XXXX and XXXX payments are inappropriately being considered ineligible. I am only a month away for meeting my 120 payments but am being told by Mohela customer service that this error may not be corrected until summer of XXXX. This will result in thousands of dollars of overpayment due to their inaccurate accounting of my payments and delay in resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's receipt administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute directly to TransUnion on XX/XX/23 stating that a public record showing on my credit report should not be there. TransUnion is the only credit reporting agency listing this incorrect public record on my credit reports. Previous to this, I have submitted multiple letters with supporting documentation. TransUnion has taken no action, and very clearly states in their response letters that they verified the information directly with the XXXX XXXX XXXX Idaho. I have previously contacted this source and am attaching a letter to this complaint stating the Courts do NOT verify any information with credit reporting agencies. I am also attaching a letter to this complaint showing that the 3rd party verifier for public records was unable to verify the information and it has additionally been deleted from their system. TransUnion is breaking the law by not removing this incorrect information from my report and additionally is breaking the law by providing documentation that they verified information from a source that does not verify information.
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 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 IN 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

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions or concerns, you can contact me at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, and They updated on XX/XX/XXXX the on-time payment but never removed the derogatory mark on my credit report. The wrong information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX, ( being an on-time wire-transfer payment ). However, it is still reported as being more than 30 days late. This information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case.
Product: Money transfer, virtual currency, or money service

I had a scam transaction made on XX/XX/year>. I was scammed {$1000.00} from my XXXX  checking account. I contacted XXXX the day the transaction was made and because the money was sent through Zelle they were unable to assist. I contacted Zelle and they said since the money was already transferred I was unable to get back my {$1000.00}.
Product: Mortgage

I am wondering if you can assist me with filing a formal complaint regarding the servicer of my current XXXX loan that is serviced through Seneca Mortgage Servicing. 
I have been actively trying to get them to provide me with their Assumption requirements for my loan since XXXX/XXXX/15. They originally refused to acknowledge my loan is eligible for an Assumption, even though all of my origination documentation states it is eligible for an assumption. They then had stated they do not have an actual assumption process in place to support eligibility requirements that my mortgage qualifies for. Not having an assumption process in place as a servicer is also not aligned to FHFA servicing requirements, or those outlined under the CFPB requirements. They advised since they do not have a formal process, my only option is to refinance my loan, which is unfair, and deceptive practices in my opinion. They want to push my into a refi process to potentially charge me additional points, fees etc, which I am not the least interested in and have advised them accordingly a few times. They then sent me a letter for loss mitigation options, which I am also not interested in what so ever, as I am current, have always been current, and I do not have a financial hardship. As I have tried escalating this issues as a formal complaint with them, they also do not have a complaint process in place, no acknowledgement of my complaint, and no follow up with me on the issue. I am not sure if they as a smaller servicer, are also held to the same standards to manage a complaint process as set forth with requirements under the O.C.C., National Servicing Standards, CFPB requirements or by FHFA. The only time they respond to me is if I initiate another email to them online. I have let them know they had until last Friday, XXXX to contact me with an acceptable solution based on what my loan is eligible for based on my origination documents, which is well over 30 days from when I contacted them, followed up XXXX different times to work through the issue. I advised if they have not contacted me, like they have not been, my only other option is to escalate this issue to FHFA, you FHLMC, the CFPB, the O.C.C. and my state AG. They have not upheld requirements for all of these agencies to support an assumption process, have used unfair/deceptive practices to push me to products I do n't want/need, all due to their inability to service my loans to the eligibility/standards outlined in my origination documents I signed. 
Anything you can do to assist is appreciated. This is also all also documented in their online email site as well.