23daVinci/CFPB_Complaints huggingface dataset:
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 items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Harassing from company, inaccurate credit reporting, can not provide original creditor, no license to collect in Pennsylvania, inaccurate balance, keeps increasing
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 a missed payment was showing on all of my all of my Fed Loan Servicing student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.
Product: Credit card or prepaid card

The US Bank issued the Fidelity 2 % Cashback card in a " bait and switch '' scam. I opened an account 2 years ago, paying the full amount every month. In XXXX XXXX, I bought $ XXXX of e-gift cards for my family members with receipts and emails showing recipients are my family members. I paid the full credit amount as usual. They waited until I paid off my credit card and closed my account and not giving me any option to redeem my points which I have accumulated over the years, with XXXX dollars ' worth. 

I called XXXX and talked to an agent and then supervisor on XX/XX/XXXX XXXX PST. They refused to discuss the nature of any of the transactions and insisting that it is within their power to stop giving me a line of credit any time they seem fit and that they have the final say in this decision.
Product: Credit reporting or other personal consumer reports

I never have any business with this company. Remove this account immediately from my credit report this account open due to identity theft XXXX XXXX  - XXXX Last updated XX/XX/XXXX Balance {$7400.00} Account Details DEROGATORY Account Type Credit Card Credit Type Revolving Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$7400.00} Highest Balance {$5200.00} Credit Limit {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Product: Payday loan, title loan, personal loan, or advance loan

I used Affirm to pay for two orders that I placed on a online store because I had used Affirm a few times before. I didn't have any issues like the ones I'm running into with my two current orders.

I was not able to reach them through the chat option through their app and when trying to get their number to call the app kept crashing or would not load the page that I had to go through XXXX just to get the number to call. 

The first person I spoke with didn't understand what the problem was. All she wanted to do was tell me how it worked how much my total payment was how many payments you know I had and how you know how bi-weekly and all the information I already know. 

Despite spending the majority of the conversation with her explaining the same thing over and over again and either she just could not understand or she did not want to give me an answer. 

And then I asked you get transferred to someone else you would understand because I should not be marked for a late payments that was not late when it was paid on the day it was due. 

Then the next person I was transferred to said that she was a supervisor and her name was XXXX and I had the same exact issue with XXXX like I had done with the girl before. each time when they appeared that they may be understood what I was saying and what the issue was they just put me on hold and after being on hold for a few minutes would come back and give me the same spill of how the system worked or payments how much they already made the payment in full to them and and not addressing the issue. 

Looking back at my bank records and looking back at the payments The time it takes for a payment you process is part of the schedule so even though you are given a date for the payment to be due it's actually due the day before because apparently now you have to take into account the processing time. So even if you have a timestamp from your bank showing that you made a payment on this day it will not appear on the app because it won't finish processing until the following day
Product: Debt or credit management

I have been at Global Holdings for two and a half years, paying the amount of {$580.00} to settle my debts. Suddenly they sent me a letter saying that they no longer represent me. I thought they were going to tell me what to do because I didn't know how much I had supposedly already paid. This happened and now I am receiving calls about cards that I supposedly haven't paid for over a year. But they were taking the money from my bank and after I received the letter they took the money from my bank account again. I have been calling, emailing and leaving voicemails but they still haven't gotten back to me.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Mortgage

I rarely write negative reviews. Truth be told I rarely write any reviews. The horrible experience I have had with this company must be documented. Late in XXXX of 2021 we contacted American Financing to refinance my home and take out a modest amount to complete a couple of projects on the house. We chose this company due to a positive experience with them in the past. Both my wife and I have excellent credit. My income is more than adequate to cover the loan, and the loan to value for the home would be about 60 %. We completed the pre application questionnaire by phone, explaining that we wanted a VA cash out refinance loan. The first loan papers we saw a couple of weeks later were for a conventional loan. When we pointed this out, the loan officer tried to talk us out of taking a VA loan. This began a long period of continual disregard from our loan officer, and delays from American Financing. The rates increased and we were not able to get the lower VA rate we originally tried for. We finally locked in at a rate .3 % higher than when we began the process. When American Financing requested documents, we always provided them within 24 hours of the request, however they do not acknowledge them. We have had to resend several documents, usually by pulling them from their dashboard and forwarding them back to the loan officer. About three months into the process a new set of papers were sent over for us to sign. These papers had the wrong person listed as the veteran. We were told to sign them as presented and they would be fixed on the back end. For the last 6 weeks we have been getting a weekly " progress '' call from someone in the office, saying things like, the loan is on track, they are lighting a fire under the managers to get it going, any day now, and other platitudes, but no actual progress. In the mean time all work quotes I have for the projects I need done have expired, the cost of materials is skyrocketing, and my loan has been in limbo for close to six months. I need American Financing Corporation to do the job I am paying them for and close this loan. In reviewing XXXX  and other consumer forums, this is a pattern of behavior they have been engaging in that is detrimental to their customers. They do not move forward on these loans unless a complaint is filed.
Product: Debt collection

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX/ XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX XXXX, XXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.
Product: Debt collection

ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.
Product: Checking or savings account

XXXX XXXX Only one banker took out time to not freely This is my second complaint because I do not feel as though CHASE CLAIMS DEPARTMENT when I first called on XX/XX/XXXX during my first verbal claim over the phone was ever written down as a case to investigate it. I don't think it is fair not to be able to fill out a claims form to show my evidence or see the case results through the actual bank. I was told that couldn't be done. It's evident that they had already made up their minds because the amount that is written in the Consumer Protection Agency response section is not the amount that I stated I was scammed out of when I had to verbally file a claim. Evidently the corporate didn't check the amount either. There was no sympathy by the person I spoke with on XX/XX/XXXX in the CHASE CLAIMS DEPARTMENT. When I mentioned taking it to court, she went as far as telling me to go ahead. But that I would probably lose. ) by a what you call third party which could have been an actual employee of Chase. Also to keep a customer happy as long as I have been banking with Chase since XXXX happy, would be to offer at least a portion of the scammed money back to them because it is not the victim 's fault either that they were scammed ( tricked and scared into ) by what you call a third party which could have been an actual employee of CHASE BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Istructions. 
n accordance with Fair Credit Reporting Act XXXX Account # XXXX, # XXXX XXXX XXXX XXXX has violated my rights. 

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 in
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) XXXX has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a.

Accord

ing to 15 USC 1681a ( 2 ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which 15 usc 1681a ( 2 ) ( a ) says is not a part of consumer report.

Furthermore, under 15 USC 1666b, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision.

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by 15 USC 6802. Nor have I given any permissible purpose for the sharing of my information as stated by 15 USC 1681b.

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I put my house up for sale, and quickly there was only one company dedicated to buying houses. 
The deal was {$90000.00}, which specified that the bank was owed about {$50000.00} or a little more. 
The point was that I asked them for {$40000.00} dollars for me regardless of whether something was owed more or less the case was that the buyer promised to take care of. Everything you want {$40000.00} don't worry about anything we take care of everything. 
Being, so I accept what was agreed, so I went to these people via e-mail and then by cell phone, agreeing again on what I demanded to close the deal, it arrived on the XXXX XXXX and the notary appeared at my house to sign the papers I read figures again that had nothing to do with what was agreed, I went back to communicate with the saleswoman who spoke the first time and she remembered the deal and told me that she was going to speak with her superiors to sign that we would fix it later sign the agreed day trusting this people from XXXX XXXX realtor but the money was not there at the time of closing, after asking where my money is and confirming that I need it, they said that I had to sign another agreement in order to add another amount, and it made sense to me they told me on monday and nothing they told me on wednesday and nothing then they said friday and nothing At this point no one knew anything and no one answered my e-mails or phone calls and in each message I repeated that I needed my money the last week they had me signing the same paper about 5 times how firm was the new arrangement so they tried to control me making me believe that everything is ready I don't think the treatment of either of the two XXXX companies is fair. They have made me stressed, they have made me feel miserable and I had to lie to the people with whom I have promised to pay on time for the XXXX of this month in a few days, let 's say. I have to move and I don't have the money to pay the new contract to the company that is going to rent me. I am going to be left on the street thanks to these people who, after the last day I signed, have not been able to tell me when they are going to pay me. 
In these moments in which, because of these people, a certain part of a repressed XXXX is activated, I want to take them to court and through the law that they take charge of all the financial problems that are produced by this negligence carried out by these two companies because of the disagreement that I am not even going to get the {$40000.00} that I planned to receive
Product: Debt collection

XX/XX/2019, I noticed a collection account placed on my credit report. 
Prior to this being placed on my report, I never received any letter informing me of any debt owed or right to dispute. 

XX/XX/2019 A letter was sent to this company asking them to remove this item. I still have not received a repsonse from this company. 

letter attached
Product: Credit card or prepaid card

For second time in less than a year I have been charged late fees and in the first case interest by XXXX XXXX XXXX. Comenity XXXX XXXX XXXXXXXX, Texas. My payment in both cases were processed on the XXXX of the month. The due date was the XXXX of the month. In the most recent case the payment was mailed on XX/XX/2022 from XXXX Massachusetts. It should not take 20 days for Comenity Capital Bank XXXX Texas to process a payment. Is this a systemic problem within Comenity Capital Bank? 
For example XXXX XXXX Banks, in XXXX XXXX XXXX, Texas routinely process my payments in 10 days. 
I called the company there response was slow mail during the holidays. I mailed the bill the day after I received.
Product: Debt collection

In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state 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 my written instructions. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to and consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.