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

I saw a charge on my checking account from Affirm on XX/XX/year> that I did not recognize. I contacted my bank about disputing the charge but was told that since it was an " ACH '' charge that it could not be disputed and that I would have to contact Affirm. 

I spoke to several representatives at Affirm, they are only able to look up accounts by phone number or email address and mine do not match any accounts so they claimed they are unable to assist further. After questioning them about what information is needed to for someone to create an account they made it clear that anyone with my bank account and routing number, which are on the bottom of every check I've written and not exactly secret, could use that information with their own email and phone number to make purchases without my permission and I would have no ability to make a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 16810 ) if you fail to comply with Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible? if the open date is inaccurate, the date last active is inaccurate, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 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 instruction.

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This is a violation please remove accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear credit Bureau To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a pastr due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Forest XXXX XXXX # XXXX XXXX, Texas XXXX [ Date ] To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Correct Personal Information Following National Credit Breach Dear [ Experian/XXXX  XXXX XXXX I am writing to formally request the immediate correction and removal of inaccurate personal information from my credit report. I am concerned that my personal information may have been compromised as part of a national credit bureau data breach. The inaccurate information being reported is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Texas XXXX XXXX XXXX XXXX XXXX. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX # XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX I demand that any names, addresses, phone numbers, employment details, or other personal information inconsistent with the above be deleted immediately. 
Impact of the Breach : The XXXX XXXX breach and subsequent breaches involving credit bureaus underscore the need for robust protections of personal data. As a consumer, I am deeply concerned that incorrect or unverified information may result from such incidents, leading to potential identity theft or credit inaccuracies. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement
Product: Money transfer, virtual currency, or money service

A Cash App account was opened using my name, address and other identifying information. On XX/XX/2020 there were three ( 3 ) separate payments from my XXXX XXXX XXXX XXXX XXXX, to this fraudulent Cash App account in the amounts of {$19.00}, {$19.00}, and {$9.00} ( totaling {$49.00} ). I called my bank to flag these transactions as fraudulent. On XX/XX/2020 a Visa debit card for the Cash App account was shipped to my address. I have attempted to contact Cash App, and its ' affiliates, Square and XXXX XXXX, to inquire how I can close this account or flag it. None of these companies provide contact information to speak with a representative. The only way to contact is via your Cash App account ( which I do not have, one was opened fraudulently ) or via Social Media ( highly questionable ).
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX  XXXX ( Account # ) : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXXXXXX XXXX account number XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Student loan

I notified Novient when i found myself laid off and they didn't inform me of any options available to me. They did put my loan in forebarence and reported my payments late on my credit report. I told them I was making less than 800 a month. Rather than educating me on an income driven loan which I would not qualified for. Now I'm again trying to get an income driven loan and I feel they are attempting to put me in a higher payment than what Ive researched my payments should be. I asked them to remove the late payments on my credit report and they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX has notified me that a hard inquiry has appeared on my account, which was not approved by me. I believe someone must have gotten my Social Security Number from the XXXX  hack and is trying to get a phone in my name. I have tried to contact XXXX XXXX XXXX to get the inquiry removed but keep running into brick walls -- website not allowing me to progress and confusing questions XXXX XXXX XXXX keeps asking me that do not help me resolve my issue. 

I didn't know what else to try so I went ahead and froze all my credit reports on XXXX, Transunion, and XXXX ; however, I don't think the Transunion freeze worked correctly because it keeps giving me an error that it can't confirm my identity. It is odd how XXXX and XXXX have found my files without any trouble but Transunion has not. 

I have not worked yet, so I have no employment history, credit score, or credit card accounts with any bank. I only have two accounts in my name that I opened myself for attending college.
Product: Mortgage

XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. TransUnion date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with TransUnion and XXXX are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.
Product: Credit card or prepaid card

1 ) By correspondence dated XX/XX/2019, I received notice that a Home Depot Credit Card issued by Citibank was approved ; however, I never applied for any such account and notified the creditor of same. 
2 ) Notwithstanding the above, on or about XX/XX/2019, I received an Account Statement listing charges in the amount of {$1500.00} for " flooring '' merchandise bought at a Home Depot store in XXXX XXXX, NJ on XX/XX/2019. I did not purchase the merchandise. 
3 ) On XX/XX/2019, I contacted the creditor and initiated a fraud investigation. The account was closed. 
4 ) By correspondence dated XX/XX/2019, I received notice that an investigation had commenced by the creditor and I was not responsible for any charges during the course of the investigation. 
5 ) By correspondence dated XX/XX/2019, I received notice that the investigation was complete and it was determined that I am responsible for the charges in question and that the charges have been re-billed. 
6 ) I never purchased the merchandise and was not involved in the creditor 's investigation. The merchandise was bought as a result of fraud and I am not responsible for any of the charges. I hereby reserve all of my rights and remedies. 
7 ) All documents referenced above are attached.
Product: Money transfer, virtual currency, or money service

I have a cryptocurrency account with Coinbase XXXX and Coinbase. I received several text messages claiming to be from Coinbase stating that someone has changed my password so I tried to log into my account at Coinbase XXXX but it kept stating wrong password and when I tried to reset my password it was sending a link to the email associated with the account but which I NO longer have access to, because I changed my email to new one and I no longer can access that email associated with the Coinbase cryptocurrency account. So I called the customer support at Coinbase and the representative refused to help me in any way to retrieve my account and refused to help me access my account again. When I called I locked the account so nobody can access my account until I resolve the issue of wrong password. Now I am locked out of my account and since I dont have access to my email associated with this XXXX account then I can not access no of Coinbase XXXX and Coinbase accounts and they refused to update my email to the new one. So if I dont have access to my email account then I lose all my money????? 
This is FRAUD by Coinbase XXXX Coinbase is scamming me by not letting me access my account and stealing my money. This company Coinbase needs to be investigated because they are committing fraud and scamming me out of my money. 
I want to update my email to the new one and have access to my accounts by resetting my password at Coinbase XXXX and Coinbase. 
I want Coinbase XXXX to contact me immediately and update my email and help me log back into my accounts at Coinbase XXXX  and Coinbase The email that is associated with the accounts which I do NOT have access to anymore is XXXX And my new email address now is XXXX I can provide Coinbase XXXX with any identity verification so I can access my accounts again but it is illegal for Coinbase to say I lost my account if I dont have access to the email associated with it. This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, Thank you so much for helping us in correcting the discrepancy on my credit report with XXXX. I am reaching out once more to report the same error ( bankruptcy yr. XXXX & XXXX ) that has been reported on my credit report with the transunion agency dropping my credit score from a XXXX to XXXX as of XX/XX/XXXX. XXXX. And a delenquency mark with our car loan which we are currently paying.Thank you once more. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, I want to formally address a violation of my federally protected consumer rights to privacy and confidentiality. 

The account in question, associated with XXXX XXXX, has been reported inaccurately. I have previously informed both XXXX and your consumer reporting agency that the account was opened fraudulently and that I am a victim of the XXXX data breach. The reporting of this information is a direct violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which states that 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. 

I am reaching out to seek your immediate attention to rectify this situation in accordance with the FCRA. I request that you thoroughly investigate and correct the inaccuracies associated with the mentioned account. Additionally, please provide me with a written explanation of the steps taken to remedy this violation.
Product: Credit card or prepaid card

When a payment is made to a XXXX  Store credit card, it can take up to 15 days for the payment to reflect back as available on the account. Yet, the payment was withdrawn from the payment account immediately. 
This practice is not on the terms and conditions of the credit card account,.
Product: Checking or savings account

On XX/XX/2021 at XXXX I received 2 emails from Chime ( part of XXXX XXXX ) stating that my account had been locked due to " an excessive number of unsuccessful sign in attempts ''. I replied to the email stating that I do not have a Chime account, I have never opened a Chime account, and any account with my name and email is fraudulent. Over the last 5 days I've repeatedly been directed to an unmanned customer service number that requires I enter my social security number, telephone number, and birth date. I've also been instructed to provide similar information, with a photo of myself holding identification, via email to the support team. With security being a primary concern I refuse to provide any of that information and have made no fewer than 5 requests to be provided with a direct line ( telephone number ) of someone I can speak with. It appears to have been " escalated '' to others on the support team, but there has been no progress towards a resolution. My concern is two fold. 1. There may be a fraudulent Chime account that is associated with my name, potentially damaging my credit and reputation, and Chime is refusing to provide any assistance. 2. The outright refusal to support, or provide a basic level of customer service leads me to believe Chime is not only complicit with fraud, but will refuse to take steps to mitigate fraud on their books.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Im having a problem with cashapp. My XXXX XXXX XXXX daughter made a cashapp account using my social security number. I found out she has a borrow feature on her cashapp and she started borrowing money from cashapp. That makes the money she borrowed my debt. I told several people at cashapp, through phone calls, emails, and text support. They did not do anything about it. My daughters account is not even legal bc she lied about her birthday and she does not have my permission to use my ss number or to borrow money. Since no one did anything about this problem, I have since deleted my cashapp account. I will never use them again. My daughter still have her account and she still continues to borrow money.