23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This is about a security concern I had with Affirm. I have a loan with them where I pay $ 22 monthly. However, on XX/XX/XXXX, I had my debit card blocked due to fraudulent activity from Affirm. I contacted my bank and found out they made charges on the following days for the following amounts : XX/XX/XXXX for {$630.00} ( 3 times ), XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$63.00}, XX/XX/XXXX for {$1900.00}. On XX/XX/XXXX they successfully take {$10.00}. My bill was supposed to be {$22.00} on the XX/XX/XXXX. My bank advised me that it was from Affirm and that they should contact them directly. I gave this information to Affirm on XX/XX/XXXX, but they did not contact my bank or give me any information about the threat. They simply said I should contact my bank for a charge back, not that they addressed the fraudulent issue. This response happened on XX/XX/XXXX and I responded on the same day. My bank gave me a new card to use and explained that if Affirm did this again, I would not receive a refund. So I have not been able to safely pay them, but they insist on sending me numerous calls, texts and emails saying they will report my account as delinquent. On XX/XX/XXXX I reported them to the Better Business Bureau, but they have continued the same pattern of harassment and ignoring my concerns.
Product: Debt collection

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX, I realized my identity had been stolen, they been using my name to receive phones, money, everything. I report the situation to everybody, DOJ, crime victim, FBI, etc, with no help, these people have taken control of my identity, they stay connected to my phone. They won't stop.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 
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 or prepaid card

Someone fraudulently Opened Line of Credit Account on mane that worth of {$500.00}, Checking and Saving Account. The Bank name is XXXX XXXX XXXX this Account was opened XX/XX/2022, the Bank Address and phone number is. 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I already called pentagon Federal credit union and they said they will close the Accounts and the Accounts are still Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX  The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a {$5000.00} down payment for a XXXX.A total of {$5500.00} was financed by Thrift Investment Corp to complete the payment for the car.I began making regular monthly payments of {$210.00} to Thrift Investment from XX/XX/XXXX to date. 
Thrift Investment report on my credit indicated that my account was opened on XX/XX/XXXX, which is inaccurate. 
Last year ( XXXX ), Thrift Investment reported that my account payment was 30 days past due/ late three times in the months of XXXX, XXXX and XXXX.I have records of the 12 payments I made last year.The past due amount stated on my recent credit report is $ XXXX.I have made 2 payments of {$210.00} this month ( XX/XX/XXXX ) already, which are not reflected on my credit report.I have called Thrift Investment to resolve these issues, all to no avail, instead Thrift Investment takes pleasure in sending me embarrassing threatening texts to repossess my car.This is a calculated attempt to tarnish my good credit history with inaccurate reporting.
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. XXXX Account 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 XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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: Mortgage

I have been attempting to request of Suntrust Bank to drop escrow payment on my mortgage so I can pay insurance and taxes directly for 14 months now. They are refusing to recalculate my loan to value after I have invested in new pool and solar roof last year significantly boosting my home 's market value over the one they are using from 2015 when the loan was refinanced.

I have reached out to XXXX XXXX who is the mortgage investor but they were not able to compel servicer to recalculate LTV based on current market value and drop the escrow. 

My loan number is XXXX.
Product: Mortgage

I have missed my XXXX mortgage payment. I have called my servicer The Money Source several times about a deferment, forbearance, or any help in becoming current. I told them I don't have XXXX 's payment but I will have the XXXX payment. I told them I receive {$800.00} in monthly social security and {$73.00} a week in unemployment. The collection agent continuously tried to force me in to selling the home to avoid foreclosure or refinance and add YEARS on to my loan amount just because I am 1 month behind. They have denied a deferment and forbearance. I need help but refinancing and/or selling my home because I had an unexpected expense this month hardly seems like working with me to resolve this issue. The Money Source refuses to actually care and help me resolve this issue. I just don't have XXXX 's payment but I will have XXXX 's payment
Product: Debt collection

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi so I have a card with Bank of America and on the XXXX of XX/XX/XXXX, I saw that my debit card was used at a website called XXXX and it was used three times. I checked and find out that one was used on the XXXX XXXX in the amount of {$450.00} and on the XXXX of XXXX it was used two times in the amount of {$1200.00} and {$1300.00} which I didnt authorize it. Even though I know the website my card was used at I didnt authorize that payment or buy anything from them and I dont know how someone can use my information to purchase from my account with them. I then found out that the person used my card to purchase these bitcoin and transferred it to his or her wallet account so I knew right away that someone had scammed or Fraud me so I contacted the website which is XXXX  and let them know and they told me they will get back to me And I havent heard from them. So I then decided to file a claim from Bank of America on the XXXX of XXXX and I just heard from them today saying that my claim has been resolved and can not be paid, and on what grounds, I have no idea. I have lost {$3000.00} and I have been a customer with Bank of America since XXXX and they are not willing to help me with this. Please help me get my money please. This money is for my school please.
Product: Credit reporting or other personal consumer reports

I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX account reported on my TransUnion credit report with a balance of {$2300.00}. The account is also listed as a charge-off, which raises concerns about the accuracy of reporting a charge-off status alongside an outstanding balance. If the account has been charged off, I question why a balance is still being reported. This inconsistency suggests that the information on my credit report is inaccurate, which is negatively impacting my credit score. I am challenging the accuracy of the recently updated information, including the charge-off status, balance, payment history, payment status, last payment date, and any other related details. These discrepancies require further investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information, especially when new updates are involved. I ask that TransUnion verify the accuracy of all details related to this XXXX XXXX account. If TransUnion decides to maintain the account on my credit report, I request a detailed description of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXXXXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period stipulated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed a collections item on my Equifax credit report. This dispute still shows its status as pending as of XX/XX/XXXX. I called Equifax today to try to figure out why this dispute is still pending, and after much difficulty it seems that Equifax may have mishandled or misfiled my dispute as a " dispute of an inquiry or factual record ''. Then when clarifying what the dispute was, they claim " they have no record of the dispute ''. 

All communication from Equifax concerning status of dispute ceased on XX/XX/XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there are errors that need to be corrected. The incorrect information is as follows : XXXX. Account Number : XXXX XXXX XXXX  - XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect Information : The account was reported as delinquent for the month of XXXX and XXXX however the account is current as of the date reported. 

XXXX. Account Number : XXXX XXXX XXXX  - XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect Information : The reported balance is incorrect. My correct balance as of the date reported is {$8000.00} however its being reported at {$9400.00} which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I had car loan with credit acceptance then I had car accident total the insurance pay the total vehicle and I didnt nothing to pay them after since I had full coverage for insurance plus gap but Im surprised they need me to pay them XXXX $ witch I wasnt late before the accident I only had car for few months I gave them XXXX $ down payment
Product: Mortgage

I made 2 payments to my mortgage servicer along with a letter explaining exactly where I wanted to have the money and they did not place it in the requested accounts. Either time. I thought that they had to comply with my requests. It was in writing and sent certified. The second payment was made as requested by them, and also went into " unapplied funds '' therefor making my mortgage look like it is delinquent. I am trying to apply for grants to help me fix up my house and my mortgage must be up to date!!! They are preventing me from doing this!!! I am enclosing all documents I am referring to. This is not the first time they have made my mortgage LOOK like it isnt paid up to date. Can you help me?????
Product: Credit card

During year of 2022 month of XXXX my credit line was increased to {$12000.00} after maintaining a excellent credit history since fiscal year XXXX on credit card acct # XXXX. My payment history has always been excellent and without late payments. During the month of XX/XX/XXXX American Express Credit Card Co without reason decreased my credit line to the amount of {$5500.00} which at that time increased my credit utilization very high. Then again on XX/XX/XXXX they decreased my credit line again to {$3300.00} which at that time almost gave me 100 % card utilization which in both cases had a negative heavy impact on my credit profile which has caused extreme stress and emotional distress. 
The same sequence of events was done with XXXX Amex credit card acct # XXXX which in XXXX XXXX had a credit line of {$2500.00} then was increased to {$3300.00} in XXXX XXXX. After excellent payment history AMEX Credit card company decreased the credit line of this card to {$300.00} on XX/XX/XXXX which again impacted my credit score very severely causing more high credit utilization of almost 100 %. Both these occurrences caused extreme stress and emotional distress, higher interest rates on future loans, reduced access to credit, and a damaged credit profile.
Product: Debt collection

They keep calling. When I answer there is silence, then they hang up. I 'm suspicious that they 're recording my voice.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Date Opened- XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX Date Opened - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the outbreak of the Covid-19 virus many unforeseen changes took its course causing many not to be able to pay their bills on time including myself. Since the obligations were paid in full on XX/XX/2022, I request that you please stop reporting the accounts as late and delete them from my credit report as you are no longer owed this debt. 

I am trying to clean up my credit report and seek new credit opportunities. I have recently started a new business and are trying to secure business funding. Your company is hindering that progress and defaming my character causing me to be denied credit and funding to start and grow my new business due to inaccurate and unfair reporting. Please assist me in accomplishing my goal by deleting the accounts being reported to XXXX as I no longer owe you this debt. 

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

I am exercising my right. Delete the account.

15 U.S.C 1681 Section 604 A Section 2 : States a furnisher of information can not furnish consumer information without my written instructions. 
I did not give you consent. Delete the account. 

15 U.S.C 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies must provide accurate information.

The information being reported is inaccurate.

Ignoring my attempts to have these accounts deleted from my consumer report is a clear violation of my rights according to the Fair Credit Reporting Act of all the laws stated above including 15 U.S.C 1681-violations for willful noncompliance- 616- Civil liability for willful noncompliance [ 15 U.S.C 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX  ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at rate genius and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from rate genius has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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 has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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 or 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: Money transfer, virtual currency, or money service

Infrequently, I have used PayPal to buy items online. 

Recently, I went to order XXXX  Air Pistol sights online and bought things from a fraudulent store. Unfortunately, I did not discover it was fraudulent till after the payment went through and PayPal did not provide any resolution. I sought resolution with XXXX and the issue was resolved. The amount in question is XXXX USD, but it could have been a larger sum and this had me on high alert. 

Afterwards, I attempted to close the PayPal account. I was able to detach the credit card ( which had been cancelled ) from the account but PayPal will not allow the account to be closed. They do not answer emails, their telephones, and I suppose the next step is to hire an attorney or seek restitution via the US Federal Government on closing this account? As a consumer, I do not know the laws around this, but to intentionally allow fraud, online, across state lines then refusing customers the right to close accounts sounds as if the digital wallet company enables wire fraud and participates in scams? 

Request assistance.