23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).
Product: Credit card

The company of concern is Affirm Affirm is practicing deceptive behavior which has resulted in the destruction of my credit. 

I opened one tradeline with them and anytime I bought anything they turned it into a new credit line. It was not disclosed to me that opening one tradeline with them would result in multiple tradelines. I think they are doing this to get late fees by confusing the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX  XXXX # XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years.

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

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX  : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}
Product: Payday loan

I applied for what I believed what an installment loan in XXXX XXXX. In XXXX XXXX, I refinanced the loan, assuming it would stay an installment loan. I recently glanced at the refinance documents to verify my last payment date. At this time, I realized the refinance was set up as a payday loan. Maturity date is scheduled for XXXX/XXXX/XXXX with a blanket payment of {$1300.00}. The current loan documents do not specify credit as payday loan or installment loan. I 've requested the original loan documents & have not yet received them. But I have documents from a previous installment loan, wording the same as this current payday loan. The biweekly amount for the installment loan & payday loan are the same except for the last payment. The installment loan is already highway robbery, and i am aware of this which is why I know I requested an installment & not a payday loan. I spoke to a supervisor who could not assist me with my issue.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan servicing student loan is reporting 63 late payment on my credit report. Which is inaccurate I always pay my bill it should be 0. 
Account number XXXX
Product: Debt collection

I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of XXXX minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXXXXXX XXXX account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Credit Limit, Payment Status, Last Reported Date ( XXXX XXXX, XXXX ), Date Last Active, Date of Last Payment, Two-year Payment History and Comments not showing that I disputed this account are not accurate on all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Product: Mortgage

This was a refinance - no equity - lower interest from XXXX to XXXX only- I received call from loan officer XXXX XXXX XXXX XXXXFreedom Mortgage asking me If I wanted to take advantage on refinancing at no cost. XXXX confirmed Freedom Mortgage would absorb the refinancing costs and it would be noted as lender credits in the closing docs Please see enclosed - Closing Docd XXXX bill ( old loan ) Loan Amt {$140000.00} / Escrow Balance {$3600.00} XXXX bill ( new Loan ) Loan Amt {$140000.00} / Escrow Balance {$1000.00} XXXX bill ( new loan ) Loan Amt {$140000.00} / Escrow Balance < $ XXXX Complaint # 1 if it was no cost New loan is {$140000.00} - old loan {$140000.00} - < $ XXXX where was the difference applied. 

They took my previous escrow of {$3600.00} and applied to old loan to lower payoff balance Part of the < $ XXXX is + {$1000.00} noted on XXXX Bill put in new loan escrow as a cushion. I want the adjusted - {$1300.00} applied back to my account or provide where this went? 

Complaint # 2 if you review my closing docs ( under old loan ) they deducted {$4700.00} for State and school tax. If you review my new loan they deducted for state and school tax. The taxes have been taken twice. XXXX escrow bill is negative < $ XXXX. 

I called and they told me it was taken for taxes. I explained it has been taken twice. I want refunded {$4700.00} plus the accrued interest lost during this time effective from closing XX/XX/2021 until they refund the monies to either myself or apply it to my current escrow.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide a wet ink contract to confirm the validity of these inquiries or delete them.
Product: Debt collection

This complaint involves the debt collection agency XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

I was aware that I had {$930.00} in medical debt that was overdue from a XXXX XXXX I suffered. When I called XXXX to set up a payment plan or settle the debt, I was threatened by XXXX ( did not give last name ) that my debt had already been filed with the court and I was being sued. He told me that I was due in court in a few days. He said I had to pay the full amount due and they would not accept any settlements. I let him know that I had never been served any court papers even though they have my correct address, which he verified over the phone. Even though I could not afford to pay the full amount, I knew I had no time to find an attorney or pay court fees so I paid the debt in full. 

After I got off the phone, I checked with the court and there were no cases filed against me. There was no pending court date. Everything XXXX said was a lie to force me into paying the full debt immediately over the phone and avoid any payment plan or settlement. 
I am extremely upset and disappointed. This is certainly an unfair debt collection practice.
Product: Debt collection

XXXX internet connection stopped working. While I was stationed in XXXX XXXX contacted them and said Im returning the devices being utilized and dropped off the router. Flew back into XXXX  and went in person to tell them I no longer wanted services and they agreed. After a month they tried to charge my bank account for two months worth of services after I had already cancelled them for not having proper service at my address. I disputed this debt collection as it was incorrect and an error on their part. I got it removed from my credit history XXXX XXXX. Im still XXXX XXXX and they sent this to collections after already disputing this making it illegal to sell my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted First Investors on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from First Investors on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At First Investors, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.
Product: Debt collection

This debt collector has been reporting negative and inaccurate information thats hurting my credit and will like for you to investigate this account. I under went a XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with XXXX  twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 Incorrect this was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Diversified Adjustment Services Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/2020 Re : Social Security Number : To Whom It May Concern, This letter is regarding account XXXX, which you claim This is my account and its placed on collections. This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b )  Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, my wife and I ( XXXX and XXXX XXXX ) leased a new car from Kia Finance whose contact information follows : Primary : XXXX Alternate : XXXX Mail : Hyundai Motor Finance/KiaFinance America/XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Kia has overcharged me in the amount of {$240.00} in property tax fees. Initially the XXXX of XXXX overcharged me this amount due to a misclassification of our vehicle. But when it realized its mistake, it promptly reimbursed Kia Finance Personal property division for the overpayment. 

Despite numerous phone calls and letters, Kia Finance has refused to reimburse us. Curiously it does not dispute our claim. Instead, it just keeps promising to pay us. It has been sitting on our money since XX/XX/XXXX, based on information we have received from the Commissioner of XXXX XXXX of XXXX Virginia. 

XXXX and XXXX XXXX
Product: Credit card

I had a credit card account with chase bank the was closed due to payment issue. But i paid down full amount on the time. My credit score is outstanding im trying to apply for a credit card with chase and its denying.
Product: Credit card

I have the XXXX XXXX XXXX XXXX. There is a {$120.00} statement credit towards XXXX purchases. This is outlined in disclosure found on website and below : {$120.00} XXXX XXXX XXXX XXXX statement credit will automatically be applied to your account when your card is used for XXXX purchases, up to an annual maximum accumulation of {$120.00}. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. XXXX XXXX purchases include airline tickets purchased from XXXX and the following purchases made from XXXX : seat upgrades ; Economy Plus ; inflight food, beverages and Wi-Fi ; baggage service charges or other XXXX fees XXXX XXXX XXXX XXXX from Chase purchases will also qualify. Other XXXX XXXX purchases, such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Merchandise Awards, are excluded. XXXX tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. XXXX credit ( XXXX ) will post to your account the same day your XXXX purchase posts to your account and will appear on your monthly credit card billing statement within XXXX billing cycles. The XXXX XXXX XXXX will be issued for the year in which the transaction posts to your account. For example, if you pay for XXXX, but XXXX does not post the transaction until after the current annual period ends, the cost of the Wi-Fi will be allocated towards the following years XXXX XXXX XXXX maximum of {$120.00} XXXX 

On XX/XX/24 ( statement attached ) I purchased a XXXX XXXX XXXX ticket. This qualifies for the {$120.00} statement credit outlined in disclosure, above. I called in to the credit card line to inquire about my credit and was told it would appear on the XXXX statement. The XXXX statement is also attached with no {$120.00} credit. I have called multiple times to resolve the credit and each time receive a different answer that is inconsistent with disclosure. This is a XXXX violation.
Product: Mortgage

Ive submitted a previous complaint with this company. Now I have another one!

After much time, frustration, and contacting various organizations ( like CFPB ) for assistance Alliant Credit Union finally did allow for a safe virtual inside inspection for our home refinance due to the pandemic. We also went to closing on XX/XX/XXXX with a mobile notary coming to our home and us signing documents on our front lawn outside, with masks, and engaging in social distancing. 

However, it took a few additional days for me to receive my cash out funds after closing and some documents that we signed were not correct. And most importantly, Alliant Credit Union withdrew my old monthly mortgage payment of {$3500.00} on XX/XX/XXXX XXXX weeks AFTER closing on new loan which should not have happened! To date Alliant Credit Union has NOT redeposited these funds back into my bank account. I have email correspondence from Alliant saying they incorrectly withdrew these funds and these funds are supposed to be returned but have not yet done so!! 

My home mortgage refinance continues to be problematic with Alliant Credit Union. They should not be allowed to conduct business the way they do! 

Please let me know what recourse I may have with this mortgage company. 

Thank you again for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Drive Time ( " DT '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that DT provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from DT. The hard inquiry has not been removed within 15 days of my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX to FCRA XXXX XXXX ( a ) Experian and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.