23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Two checks were forged and cashed out of my account. Both of them were typed. They were dated for XX/XX/XXXX. I caught the error on XX/XX/XXXX, and make a claim. I was told that my claim would take 3-5 business days to process, and then I would receive my money back. It was been 6 business days, so i called customer service to get an update. I was informed that it may take 30 business days to receive my money back. It could take until XX/XX/XXXX to get my money back. Thats 42 days My account will be shot {$1800.00} bc chase fraud department allowed two typed check to be paid. Also, my account states that I do not wish to cover anything if I do not have the money in my account. Against my wishes, I was charged a {$34.00} insignificant funds fee, so the second fraudulent check could be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

XXXX XXXXReceived an invitation via email to apply for a credit card, I applied and received an approval for a secured credit card. The approval required a deposit to secured the line of credit and the credit limit will be equal to the deposit amount. 
XXXX XXXX I wired {$200.00} to Capital One and opened the account XXXX and XXXX Utilized the card and make payments promptly to keep a low balance and be able to reestablished my credit. 
XXXX XXXX CAP ONE CLOSED OUT THE ACCOUNT without notice. I had just made a payment which put the account back to a {$0.00} balance, this payment was made on or around XXXX. 
XXXX XXXX I learned the account has been closed. I called them to learn why the account was closed. The representatives keept transferring and I was not able to get an answer. I let it go, and ever since I been waiting for my security deposit to refunded. 
XX/XX/XXXX : I called again wondering why they closed out the account and wanted to check the status of the refund. The representative I spoke with told me the account was credited on XX/XX/XXXX and has a balance of XXXX, a positive balance. The refund was not processed. I escalated my request and updated my mailing address. He said it will be mail to me. 
XX/XX/XXXX : I just got off the phone, this will be my XXXX or XXXX attempt to get to the bottom of the closed out reason and the status of my money. I just learned that it has not been process. REF : QUICK SILVER CARD XXXX # XXXX THE MONEY OWED {$200.00} I feel mislead and the offer is all about taking your $ , keeping the $ $ and closing out the account with no reason. Is this a way to raise $ $ at bad credit people 's expense.
Product: Checking or savings account

In XX/XX/year>, and XX/XX/year> I use Zell numerous times and the Zelle I sent XXXX to XXXX people and those people didnt receive their money. It took days for them to actually receive money and I had to continue to resend it its been a constant problem from day one and Zell is the only means of transportation for my money for the work that I do so I have to just basically accept these flaws and continue to use Zelle on a daily basis so You know this is actually costing me money it is holding up my process of payment, my process of paying my guys now Im having problems or I cant even send Zelle payment and I just wish that this was resolved and I didnt have to deal with this because Zelle is great and wonderful
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX. I have tried to get my credit cleaned up but it has been a difficult journey. Please remove the accounts that are fraudulent.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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: Consumer Loan

This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.
Product: Credit reporting or other personal consumer reports

I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.
Product: Credit card

Synchrony Financial closed several of my accounts while all in good standing, no 30 day lates. They have closed out my PayPal credit accounts and 6 other credit cards, a mixture of store cards and charge anywhere cards. This practice has been done by Synchrony with thousands of consumers instantly ruining good standing credit. I think its time their books are went through with a fine tooth comb and quit letting them play shell games with consumers credit to make their books and bottom line look more appeasing.
Product: Debt collection

Portfolio Recovery is knowingly reporting false information on my trade-lines ( XXXX and XXXX ) to all three credit reporting bureaus.They have an account in there possession and is reporting as an open, revolving account. According to Federal law, Portfolio Recovery is not allowed to report a factoring account and report a past due balance reflecting an installment loan. This account was not purchased in good standing, which would then entitled them to report as is. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I demand that this tradeline be removed from all XXXX Credit Reporting Agencies due to violation of law.
Product: Debt collection

I refuse to pay any debt to LVNV FUNDING LLC account # : XXXX, XXXX, XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. 
There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 
I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
Product: Credit reporting, credit repair services, 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. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Affidavit Of Dispute To Experian please be advised that i am filing herein this my affidavit of dispute and making reference to the previous complaints that i have file on you as pleadings and facts to be joined in this affidavit.

I request that the aforementioned accounts be investigated and removed from credit report.

Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the Department of Consumer Affairs, I am writing to formally lodge a complaint against Affirm regarding the ongoing lack of resolution surrounding a dispute with my account. Since XX/XX/XXXX, I have tirelessly attempted to address this matter, yet have encountered unhelpful and dismissive responses from Affirm 's " customer care '' representatives. 

On XX/XX/XXXX, I placed an order with XXXX through Affirm. Unfortunately, I received my items way past the expected delivery date, on XX/XX/XXXX. Upon receiving the items, I discovered they were broken and counterfeit. On the same day, XX/XX/XXXX, I reached out to the merchant with photos of the merchandise, requesting a return and refund. Despite my efforts, I received no response from the merchant whatsoever. 

In response to the merchant 's lack of communication, I opened a dispute with Affirm and provided irrefutable evidence to support my claim. However, Affirm unjustly sided with the merchant, despite their clear violation of policies. 

On XX/XX/XXXX, I took it upon myself to pay the loan in full to Affirm, in an effort to avoid any potential penalties. Subsequently, on XX/XX/XXXX, I filed a dispute with my bank regarding the transaction. 

After a thorough investigation, my bank concluded the dispute to be valid in XX/XX/XXXX. 

Despite my efforts to resolve the issue with both Affirm and the merchant, I have been met with inadequate support and dismissal. I am deeply disappointed by Affirm 's failure to conduct a fair and thorough investigation into the fraudulent activity on my account. Had they done a proper investigation back in XXXX, we wouldn't be dealing with this issue. 

I expect a swift and comprehensive response outlining the steps Affirm intends to take to rectify this situation and restore my confidence in their integrity and commitment to customer satisfaction.
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies while checking my XXXX report. My middle name should not be on my report. My First and Last Name and middle name initial only. Also, I am not employed at XXXX XXXX. I am requesting that this information to be removed from my XXXX report. 

On my Equifax report, my last name is spelled incorrectly. It should be XXXX not XXXX
Product: Credit reporting or other personal consumer reports

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Affirm Inc # 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 an account without my written instructions
Product: Debt collection

On XX/XX/23 I purchased XXXX XXXX  items totaling {$260.00} from the business XXXX apparel by XXXX through a payment plan with XXXX. After XXXX months of waiting for this order, I reached out to XXXX while completing the XXXX payments of {$65.00} to inform them of the situation that I can not get in contact with the business and my order has not been fulfilled. XXXX informed me that they will not be able to cancel the payment plan until the merchant cancels with them or forwards the payment for the order. I made several attempts to reach out to the business via XXXX direct message and email to inquire about delivery status of the order and to communicate with XXXX regarding cancellation but could not make contact with the business until 12/9/23.The business informed me that their old clothing XXXX was compromised and they are not able to resolve any disputes and that I should chargeback the order with the bank to receive my money back. I charged back all XXXX payments of {$65.00} due to the inability to retrieve the mercandise or cancel the order with the company. On XX/XX/23 the merchant scheduled a phone call with the merchant owner, XXXX, and I to discuss how to resolve this dispute which resulted in no solution and XXXX  requesting payment from the business or the debt will mine to resolve. XXXX originally informed me that they just needed to contact the merchant to contact them to continue cancellation of the order dispute and then resulted to saying that no solution can be made because I waited to long to create a dispute with XXXX.The merchant refused to relinquish payment for unfulfilling the order which led to XXXX charging off the order and transferring the collection to TrueAccord.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} - XX/XX/XXXX XXXX  XXXX Balance : {$0.00} - XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX.
Product: Checking or savings account

I am trying to open a XXXX account but it says that PNC has made a change that prevents you for being able to link your accounts
Product: Credit reporting or other personal consumer reports

Equifax continuously reports the following account as Charged Off as of XXXX. XXXX, XXXX, XX/XX/XXXX, and every month prior for the past few years. This negligence on Equifax 's part, and allowing any agency to break the law according to the FCRA is illegal as well. Since then the account has repeatedly been updated as Charged Off ( CO, CO, CO, CO... ) every month. This account is updated in the payment history, and to my understanding charged off accounts should Not be include as an Active payment history. This falsely manipulates the statute of limitations, and is not in accordance with the laws of Fair Debt Collection Practices Act ( FDCPA ). I am demanding the deletion of the following account off my credit report : XXXX XXXX last Report Date : XXXX. XXXX, XXXX ( Re-aging accounts is illegal ), Acct. # XXXX XXXX, Account Balance- {$2300.00}. A Charge Off account should not have a Balance, nor should they have an active payment history. This is false manipulation of the statute of limitations on these accounts. Resetting the statute of limitation on a debt every month is illegal according to 15 U.S.C. 1681c ( a ) ( 5 ). Delete this account now and mail me a corrected copy of my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX And a personal credit card at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts and collection in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been a victim of Identity theft. Ive had over 30 fake collections apply to my credit along with insurance with logging into my online bank to pay bills because of hacking and inaccurately displayed information.

Please contact in regards to the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted to the credit bureau Transunion certified proof that I had completed the debt verification process for four derogatory accounts that they are reporting on my credit profile. This process was completed certified mail and included contacting the creditors about the alleged debt and requesting the documents that they have that validate the debt belongs to me. Each of these four companies did not respond to any requests via mail or telephone therefore they could not have verified the debt as they claim to have via the disputes process. I have sent Transunion certified proof of this and requested the accounts be removed or proof of the validated information. They have not n provided either. According to FCRA Fair Credit Reporting Act U.S.C 1681 Transunion has violated my rights as I have not given them permission to share this information.
Product: Credit reporting or other personal consumer reports

These accounts does not belong to me. Someone has a similar name. I go by XXXX XXXX XXXX. Please delete these accounts
Product: Debt collection

I KEEP DISPUTING THIS BECAUSE THEY NEVER PROVIDE PROOF?!