23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Afterpay wont let me remove my banking information and close my account. 

I contacted them by email and nothing has happened. I would like to remove my banking information from them and I would like to close my account.
Product: Credit card

I had a Bank of America ( B of A ) credit card and the account was " closed with a XXXX balance '' per the letter dated XX/XX/XXXX, 2011 that I received from B of A. However, B of A reported this account as a " charge off '' to all XXXX credit bureaus and I had disputed last year and this negative reporting was removed by B of A and my credit score went back to over XXXX where it should be. I just discovered last week that B of A reported this same account as a " charge off '' again ( even though B of A had removed this last year ) to all XXXX credit bureaus and now my credit score and my business have suffered due to my credit score dipping to below XXXX. PLEASE HELP!! Thank you so much in advance. 
Kind Regards, XXXX
Product: Debt collection

My credit information has been a part of many data breaches. All that was ever done was credit monitoring if that, my credit has been XXXX posed and compromised all of my passwords was changed. I keep the report locked now but these are several inconsistencies XXXX still getting letters saying XXXX applying for things that XXXX not applying for.
Product: Credit card or prepaid card

Purchased cell phone from XXXX and they are using T D Retail for the financing. This is a interest free account. When I opened up the account they gave the option for emailed statements, the failed to send statements the just sent a website link. I was unable to get in their website, wirh the link they sent, there was no contact information. I was unable to get payment information or where to send payment. I was out of town due to covid and wasn't traveling. When I got home I contacted T D Retail and payed the principle payments current and disputed the late fees due to their website issues and not emailing me the real statement as promised. They have not resolved my dispute they just give a canned response to call their customer service folks. They are unable to resolve the dispute and they can't transfer me to a supervisor or director who can escalate my dispute to. Meanwhile, I keep getting charged late fees even though the charges are disputed and I am paying the principal charges.
Product: Credit reporting or other personal consumer reports

Experian is not holding up to the law by not responding with my investigation results within a reasonable time. 
On XX/XX/2024, I wrote to Experian requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from Experian or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time.
Product: Mortgage

On XX/XX/XXXX Specialized Loan Servicing, or SLS filed a Lien on my property without my consent. The issue is, I am not even aware of any debt or bill for the past 14 years from my original lender, and there is no collection or payment activity on the debt SLS is claiming I owe them. There is no communication or letter from my original lender transferring any loan to SLS. 

It is possible that my original lender must have granted forbearance, forgiveness, or write-off on the debt due to the market crash in XXXX and XXXX which prompted the modification of my loan in XXXX. 

However, SLS has sent numerous statements with inconsistent history on the payment of the debt they are claiming I owe them. They have also provided an inconsistent history of the original lender 's address and phone number. 

I have asked SLS for their proof of debt which they feel I am obligated to make any payments to them as they have never loaned me any money nor have I made any binding contractual agreement with SLS that makes me an obligated party to make any payment to them.

Recently SLS has threatened foreclosure action on my property and demanded that I pay {$46000.00} ( Forty-six thousand dollars ) in bulk otherwise my property will be foreclosed. I find this outrageous and I am requesting your assistance in stopping SLS from continuing to harass me. 

I am a senior citizen, a retiree, and a long-time resident of the state of Maryland, and I pay my bill. My mortgage payments are current and never late. That shows if this debt is genuine and was made known to me XXXX years ago it would have been paid off by now. 

Issues : 1. SLS-appointed trustees on the Deeds of my property without my consent.

2. Irregular mortgage notes and dates without my consent.

3. Inconsistencies in communication regarding the debt they are claiming I owe them.

4. No contractual or binding agreement between me and SLS that makes me an obligated borrower.

5. SLS has caused me mental anguish and financial hardship and I can not afford to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner XXXXndividual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX Date assigned XX/XX/XXXX XXXX XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX FINGERHUT/WEBBANK : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months 22 days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to XXXX and TransUnion on XXXX disputing the information listed in my credit report. It has been well over 30 days and I have yet to hear from either Bureau agreeing to remove this information off of my credit report. I then sent a second letter Demand to Comply Certified to respond and remove because of the 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got alerted this afternoon about change in my credit, through XXXX  XXXX, after checking, I found out that a derogatory message has been sent to my credit, I clicked on it and it was from XXXX XXXX XXXX XXXX, opened on XX/XX/2018, through a Collection company, name : C Tech Collection. 
This derogatory message was suprising because i was not informed, I was a patient of XXXX XXXX, and I gave the details of my health insurance, i wasn't informed that i have to make any extra payment, the payment was sent to my insurance, but according to the lady i spoke with today from the collection office, the insurance paid {$50.00} less than amount expected, Instead of the Doctor office to send me a message about the {$50.00} balance, no communication was sent, either through email, mail or Phone call, the case was given to collection office and the collection office never get accross or communicate the {$50.00} balance with me, am only getting to know for the first time today that my insurance paid short of {$50.00}, If there was no communication of any kind to inform me of the balance, how would i have known that i have a balance to pay, because payment between doctors and insurance are never disclosed with the patient, I totally disagree and dispute the derogatory message sent to my credit, I have never late in any of my payments and my record is there to show, I am ready to pay {$50.00}, even though i am just getting to know about it, but the derogatory message sent to my credit is very unfair and cruel. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) Equifax 22 hard inquiries and 2 late payments. 

XXXX ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report
Product: Bank account or service

citizens one keeps sending collections notices when this acct was paid up,
Product: Debt collection

I received a garnishment notification today XX/XX/XXXX from my employer for a XXXX credit management amount of {$XXXX}. I called the general XXXX number and then a direct line to legal. The woman stated this was for a XXXX XXXX card called XXXX  opened in XX/XX/XXXX that went delinquent in XXXX. I have never had a XXXX XXXX card. I have dealt with fraud in the past and I'm not sure if this is a result of that. I paid the balance to remove the garnishment but I absolutely need someone to look into who opened this, at what store, and what exactly happened. I honestly didn't think this was a real claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my consumer report from Lexis Nexis via their website in XX/XX/2022. I was denied online access and was forced to wait for a copy to be sent via mail. After waiting for it to arrive I received a letter from Lexis Nexis " RE : Unable to process request ''. They are asking for personal and private information that I am not required to give nor am I comfortable giving.
Product: Credit reporting or other personal consumer reports

I am a victim of identify thief and I have noticed unauthorized hard inquires on my credit reports. Theses hard inquiries consist of, 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 XXXXXX/XX/XXXX
Product: Debt collection

Two medical debts are being reported by Receivable solutions that were a result of fraud that I believe was used by a relative with a similar name. I have disputed this debt and have furnished it to the credit bureaus as well but this collection agency continues to cause me damages by reporting these negative accounts that I 'm not responsible for. Please help me to resolve this matter quickly and amicably.
Product: Debt collection

I AM GETTING REPEATED PHONE CALLS TO MY JOB
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9.XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX  report received today. The fraudulent entry appears on my Equifax report with varying information.
Product: Bank account or service

On XXXX XXXX, 2015, I bought new furniture at XXXX XXXX in XXXX, Texas. I used their financial promotion no interest rate if paid in full in 24 months, they use Synchrony Financial. Around XXXX XXXX, 2015, I started to receiving calls from Synchrony when I was at work, they first called like around XXXX XXXX then every three hours after that, they kept calling for three days until I returned the call, I was told my payment was late, I told them I have not received my first bill yet, I gave them my mailing address and I was told I was going to get my first bill next month, Synchrony employee wrote a statement in the system explaining my situation about the billing. I month passed by and they started to call again like 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I let them keep calling for like a week so for a whole week they kept calling 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I returned the call and they told me by payment was late, I told them I have not received my first bill yet, this time they did n't care they kept asking for {$190.00} payment due. I told them this was an error on them, I gave my mailing address again but this time I repeated it to them for 3 to 5 times, I felt like I was doing their job just to have the correct address so I can get my first bill on time. Finally, I got my first bill on XX/XX/XXXX so I 'm filing this complaint to get {$190.00} to {$2500.00} back from them because this an error from them, they kept wasting my time, and my credit score went down thanks to them. Attach are copies of their bills I did n't get on time because they had the wrong address. Also, attach is a copy of my sales order from XXXX XXXX with my correct address. I hope you can help me and protect others from companies trying to play dumb in order to make more money. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Stated in the letter, I do not recognize the company or ever having an account with them. I let them know they were reporting inaccurate information on my credit report. I asked them to provide all documentation used to identify me as the consumer for which they are accusing owes this debt by supplying : Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i . 

I have not received any information from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Roughly around XXXX 2016 Transunion had a glitch in their system which removed all of my inquiries! And the were re add back without written notification 5 days prior to re adding them! I know my rights and I would appreciate if you will help me enforce these rights
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, TX XXXX Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : AFFIRM INCAccount Number : XXXX Explanation : This account includes information that is inaccurate and unverifiable. The reporting of this information violates permissible purposes under 15 U.S.C. 1681b, as I am unaware of any valid basis for its inclusion in my report. 
AFFIRM INCAccount Number : XXXX Explanation : This account includes information that is inaccurate and unverifiable. The reporting of this information violates permissible purposes under 15 U.S.C. 1681b, as I am unaware of any valid basis for its inclusion in my report. 
AFFIRM INCAccount Number : XXXX  Explanation : This account includes information that is inaccurate and unverifiable. The reporting of this information violates permissible purposes under 15 U.S.C. 1681b, as I am unaware of any valid basis for its inclusion in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter on XX/XX/23 letting bank of america know they was violating my consumer rights. they sent me a letter back that had nothing to do with what i sent them. i will be uploading and keeping records of everything before taken the next steps to get remedy. 

Gramm-Leach-Bliley Act
Product: Mortgage

Two undisclosed or explained checks were sent to me as part of the overages in the original mortgage account. The checks were made to creditors that have accounts at {$0.00}. The checks can not be cashed by me and the company refuses to issue new checks. 

The company is Caliber Home Loans. They are not willing to correct the checks. 

Two checks written, one for {$1000.00} and the second for {$630.00}. 

Both to accounts that are at a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2018 Nissan Infiniti LT reported to the 3 credit bureaus XXXX XXXX and XXXX that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but Nissan- Infinity LT does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a past due balance with XXXX XXXX XXXX XXXX  for {$4900.00} which is incorrect. I have no past due balance this account is paid in full.
Product: Checking or savings account

Last XXXX I mailed XXXX checks to my business supplier in XXXX, California from XXXX, CA. Somewhere, while in the possession of the US Mail, my checks disappeared. One of those 2 checks went through my corporate business bank account twice on XXXX XXXX, XXXX, in the same exact amount of {$4800.00} but with a different name in the Pay To The Order Of area. It was then that I realized we were a victim of check fraud totaling {$9700.00}. Chase is the bank that cashed those checks on the same day. It was done by check washing and mobile deposits. I filled out the affidavits requested by the cashing bank and gave all supporting documents necessary. It has been 10 months since I filed a fraud report with the assistance of my bank and we still have not received our money back. My banker is telling me that they keep contacting Chase Bank and that they are not responding properly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( XXXX  ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : 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 XXXXXXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account.

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX Date Opened : XX/XX/year> XXXX XXXX : {$340.00} Late/Open
Product: Debt collection

XXXX is saying I owe money. I have not used XXXX in over 10 years. Yet debt collectors keep reselling an old account. Copied from my credit report : Account Details Last Reported XXXX XXXX, XXXX Collection Agency CONVERGENT Original Creditor XXXX XXXX USA Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$970.00} High Balance {$970.00} Remarks Placed for collection Creditor Contact Details CONVERGENT OUTSOURCING XXXX, WA XXXX ( XXXX ) XXXX