23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Affirm.com has called me repeatedly, sometimes in excess of 10 times in a day, for months. I contacted them via XXXX on XX/XX/17 showing them screenshots of the calls and that I wish to no longer be contacted. They stated the numbers are not Affirm.com numbers, but when you search the numbers they lead directly to Affirm. I was not only lied to by this representative, but my request to not be contacted was never honored. In a week span I counted over XXXX calls at one point from Affirm.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

Equifax froze my credit report without my permission or request. They will not unfreeze it unless I provide a special identification number which I do not have because I did not request the freeze in the first place. I need my reporting unfrozen so I can apply for a credit card and there is no way I can get Equifax to do it. 
My name is XXXX XXXX XXXX. SS # XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, NY XXXX my email is XXXXXXXXXXXX. My phone number is XXXX. 
Please help.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have contacted the company plenty of times, and they said if I continue to reach out, the removal time will be reset. I have written XXXX on the removal of the XXXX Auto Loan with account # XXXX open on XX/XX/2015 to be removed from the credit report, requesting an investigation in this matter and deleting or correcting the disputed information as soon as possible. 
9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL.

You must provide me with copies of the legal notices of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this notification, the alleged claim can be considered a violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

continuing from complaint XXXX. I don't know if you guys know I am a a victim of identity theft and im already registered through XXXX as a victim. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me anxiety.
Product: Debt collection

We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from XXXX XXXX XXXX XXXX XXXX requesting that we pay them for the fraudulent checks they cashed. We contacted XXXX XXXX XXXX twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from Nelson, Cooper & Ortiz demanding payment for these fraudulent checks. Initially we thought Nelson, Cooper & Ortiz was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from Nelson, Cooper & Ortiz labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the XXXX. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a XXXX XXXX. 
I have attached a copy of all the communication referenced above
Product: Credit card or prepaid card

I called American Express emailed receipt s ID info and I never received a case number not call back. Nor problem fixed.
Product: Prepaid card

I received a prepaid American Express virtual rewards card through my apartment complex 's community rewards service ( XXXX ), but it always gets declined by online retailers, and it can not be added to digital wallets such as XXXX XXXX and XXXX XXXX  despite the terms stating that I would, in fact, have the ability to do so. I can not use the card in any shape or form, despite having rightful access to the card information. In fact, the only transactions that worked were a few XXXX holds for attempted transactions that were, of course, declined, which have left me with {$99.00} out of the original {$100.00} balance on the card. The card is totally useless.
Product: Credit card

For two consecutive months, I have paid my entire balance off because I am in the process of building my credit and I want to show use of the card and it being paid off in full when its reported to the credit reporting agencies. Each time, the company has stated that my account was flagged and it automatically placed a hold on my payments to ensure they are paid or the funds are good. AND each time, my payments cleared. I offered to contact my bank with them to show the funds cleared and they declined each time. Then they are advising me that if I wanted the funds to clear within three days to make the payments via XXXX  Lets keep in mind, Im already at a risk of a very high interest due to my credit rating and yet this company is advising me to pay with a company that charges me to make a payment. This is downright abuse of their power and its hurting myself and many others who are facing challeges the many challenges of having bad credit. I got this credit card to help me build, but it appears its doing more harm to me than good. 

Last month, I made several payments to my account of {$80.00} and I didnt mean to do this, but when making a payment via your online account. Instead of their this system showing the payment as " pending '' whats happening is it shows nothing for a day or two. So, because I didnt see the orginal payment pending, I made another payment of {$80.00}. Well 2 days later, the payment finally showed in my account and the second one a day later. The first payment cleared, but the second one didnt and the reason for this is because I had assumed I made the one payment. So, how is it possible for me to be criticized or my account placed on limitation when their system lacks the abilty to show pending payments? Also, you will notice i have many a large amount of payments to this company without any issues and since then all my payments have cleared.
Product: Mortgage

I have had my mortgage loan through Bank of America since XX/XX/XXXX. The loan was for mortgage only not including escrow. The escrow has always been paid by me.. In XX/XX/XXXX I paid my taxes in four installments I was on my last quarter when Bank of America decided to make the last payment at the same time I was paying it. The city took the Bank of America check and they returned my check. I right away called Bank of America as to why they had done that and they apologized and said that if I pay the fourteen hundred something back to them that they would take away the escrow from account. I continue to paid my original {$700.00} mortgage payment and paid off the escrow they had paid. But they continue to add the mortgage and escrow, I had called them to see what was going on as to why they were still adding the escrow amount to my account when I have always paid my escrow on my own they could not give me answer. I still continue to just pay the {$700.00}. This past year I paid the full amount of the taxes in full four thousand something to the city. I called Bank of America to take off the escrow amount out of my account that I had paid the city the escrow.They had asked me to send them a copy of the receipt which I did. Then said they will take it off and from now on I would only paying the {$740.00} this started XX/XX/XXXX. So the coupon on the statement says {$740.00} but at the top of the top of statement they have Total amount I owe of {$6000.00}. They send several letters to have my mortgage modified, something I do n't want to do because I have not faltered on the account or have not missed any payments. It was Bank of America that screwed up and now they want me to pay penalties and for not agreeing for them to pay the escrow when I have always paid it on my own since XX/XX/XXXX. I 've called them several times to try and get this straighten out but to no eval they continue to add they escrow to the account..
Product: Prepaid card

XX/XX/XXXX- XX/XX/XXXX Card not received. I submitted a claim and sent police report but the rendered the decision before the were able to use the police report for consideration. They told me to wait on a questionnaire and I have 10 business days to respond. I sent it in on the 9 business day and they already made the decision XXXX - XXXX Claim XXXX claim Claim XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per previous complaint XXXX. Which was resolved, with conditions of GM Completing tasks to finalize my servicing needs. GM Financial has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. GM financial should have removed these items given GM Financial was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, GM Financial applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again GM Financial violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting have caused difficulties in obtaining new credit.
Product: Debt collection

XXXX/OPPLOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Pre-Demand Notice for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and misleading information furnished to the credit reporting agencies regarding my account. These violations have caused significant harm to my creditworthiness and financial standing. 

# # # Violations of the FCRA **1. Failure to Provide Proof of Validation** Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide proof of validation when a consumer disputes the accuracy of information. Despite my request, you have failed to provide such proof for the disputed account. 

**2. Discrepancies in Close Dates** The close dates reported are inconsistent across different sections of my credit report. This violates the FCRAs requirement for accuracy and completeness.

**3. Incorrect Dispute Status** The dispute status listed on the report does not accurately reflect the current status of my disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are obligated to report accurate information, including the status of disputes.

**4. Inconsistent Dates of Last Verified** The dates of last verification for the disputed accounts vary across my credit report, indicating a lack of proper investigation and validation.

**5. Incorrect Date of Last Activity** The date of last activity reported for the accounts is inconsistent and incorrect, affecting the statute of limitations and my credit score.

**6. Different Payment Status** The payment status reported differs across various sections of my report and does not match my actual payment history, violating the requirement for accuracy under the FCRA .

**7. Misleading and Inaccurate Reporting** The entire report presents a misleading and inaccurate picture of my credit history, which is a direct violation of the FCRAs accuracy requirements.

# # # Demand for Correction and Compensation Given these multiple violations, I demand the following : 1. **Immediate Deletion of Inaccurate Information : ** Remove all inaccurate and misleading information from my credit report.

2. **Monetary Compensation : ** Provide compensation of {$1000.00} for each of the seven identified violations, totaling {$7000.00}, as provided under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Please consider this letter as a formal notice before legal action. If these inaccuracies are not corrected and the compensation provided within 30 days, I will be forced to pursue legal remedies to protect my rights under the FCRA and other applicable consumer protection laws.

I trust this matter will receive your immediate attention. Please provide written confirmation of the actions taken to resolve these issues and the payment of the demanded compensation within the specified timeframe. 

Sincerely,
Product: Vehicle loan or lease

MY lease ender I bought out lease and finaced thru ally on XX/XX/2020,! have been making payments ever since, I rec 'd notification from ally that account was moved to ally auto.com for the servicing of my account I had to use a new website which i could make payments had issue but finally I was able to log on to my account and now it shows I am past due over {$9000.00}. on the phone for over an hoiur disconnect many times no answeres i dont know if they reported this to the credi bureaus. I have not had any claification or corrections to my account getting the run around. I have my note and my payment hisotry which shows consitant payments sinbce loan was orginated They are giving me the run around sopending hours on phone with no satisfaction other then to tell me they are looking into it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding Experian ticket # XXXX : Addresses where I have lived : XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX My credit report must be accurate because it has an impact on my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAIL TO VERIFY INFORMATION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 2017.
Product: Checking or savings account

Chime Financial , Inc.

About three months ago a tenant sent me a payment through chime. Annoyed I linked a bank account and withdrew the funds. I did not realize Chime was sending a debit card to me. I dont want a debit card from Chime. 

The tenant made a subsequent payment about a week ago. Chime wont let me withdraw the funds without activating the debit card. I asked customer service via chat to release the funds. They refused unless I activate the card. I now have an account I dont want and they are forcing me to have a debit card to withdraw funds.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

BROKEN PROMISE : AMEX Hilton Honors lied about the following : Apply now for the Hilton Honors AMEX during booking a online reservation ( for which I did ), and upon instant approval ( yes I was instantly approved online and provided with a temporary limit of {$1000.00} AND card # ) to receive a {$100.00} statement credit towards your reservation <<BROKEN PROMISE!!! ( for which I will NOT receive due to the following IN EXTENSIVE DETAIL : { 1st } due to the technical limitations and system error of the XXXX website url listed below ( same error on XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, multiple browsers, etc ) after multiple attempts to book reservation online after instant approval of AMEX Hilton Honors temp card # with the same recurring error message with an advisory message contact customer service for further support to book reservation then { 2nd } followed by the incompetence of the Booking Agent [ called Hilton @ ( XXXX ) XXXX ] who fumbled the transaction rendered INCOMPLETE when I provided the agent my temporary AMEX Hilton Honors card # for payment method to satisfy the balance for my Hilton reservation ( SURPRISE, 2nd attempt to use my temporary AMEX Hiltons Honors Card # ) THE issue FAILED to STOP here leading to : { 3rd } my INCOMPLETE transaction, BALANCE DUE and UNABLE to use temporary AMEX Hilton Honors due to ( lack there of ) without the physical card which there-forth MUST be present because the requirements of the on-site, physical, point of sale system / lack of access to enter temporary card # info into POS system on-file without lack of trying or attempt to use referenced AMEX Hiltons Honors card on file tied to my Hilton Honors Account Number upon arrival XXXX XXXX XXXX Hilton  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX ; Resulted in using alternate payment method ( VISA card ) To elaborate further, I was able to successfully CREATE credentials/ login for online / app access for my AMEX Hiltons Honor via valid registration email campaign, and after successfully credentialed for login, I was still UNABLE to Add Card to Wallet / XXXX XXXX even after SUCCESSFUL LOGIN & PROVIDED temporary CID / card security code because temporary CID # provided [ took screenshots on XXXX of temporary card # information ] is not valid AMEX FAILED AGAIN here^ BIG TIME ; compared to XXXX XXXX!!!!!!! Ive never had this problem with XXXX XXXX once instantly approved with Add Card to Wallet with temporary cards. Otherwise, again, unable to stop the issue. 

{ XXXX } Unable to raise request to overnight physical AMEX Hilton Honors card in time to correct transaction on-site due to being a new account according to AMEX customer service contacted XXXX XXXX ( XXXX ) XXXX, unable to escalate/ resolve request