23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AFFIRM INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX , Missouri. 

It has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AFFIRM INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove the accounts and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Debt collection

They call me nonstop daily even on weekends sometimes before XXXX. I receive at least 7 calls daily they 've even sent me a collection notice via UPS.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 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  funding HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX Auto Fin Via Dealer XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX CREDITCLASSIC CHEVR XX/XX/XXXX CREDCOUWM-NEW ERA LEND XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX, CREDIT INFORMATION SYSTEM XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX AUTO FIN VIA DEALER XX/XX/XXXX, ADVANTAGE CREDIT XXXX XX/XX/XXXX XXXX ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX CORELOGIC XXXX XXXX XX/XX/XXXX, CREDIT INFORMATION XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX CRED XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX DC XX/XX/XXXX, VIA AUTO FIN XX/XX/XXXX,
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. 


Account Name : XXXX : Account Number : XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX dept of Education student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX  and Equifax, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$780.00} XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$7100.00} All accounts were deleted XXXX but constantly reappear on my report. 
This information is inaccurate and should be deleted ASAP. I will be prepared to take legal action.
Product: Mortgage

XX/XX/XXXX filed complaint XXXX but the attachment was too big so have scanned it into 3 attachments plus the letter with the pile of documents recd from Bank of America 's bankruptcy and state case XXXX -appeal XXXX attorneys. 
First the state cases where BoA attorneys filed appearance for Government National Mortgage Assoc, FHA and XXXX  an electronic tracking system to get case dismissed using the federal agencies as credibility. Federal agencies use US attorneys not bank paid for private attorneys AND as for the HAMP modification sent by Bank of America to modify their forged FHA mortgage -- in the letter dated XX/XX/XXXX you have 14 days from the date of the letter to call XXXX XXXX-she will answer any questions XXXX XXXX a computer answered number that bounces you all over the country you can fax an appeal to the amount of the payment. Letter date XX/XX/XXXX plus 14 days = XX/XX/XXXX problem? it was received Sat XX/XX/XXXX with XX/XX/XXXX as the deadline to sign or it is void. no wonder 88 % of BoA modifications do not go through -- more money to foreclose and FHA will pay on the insured mortgage except my FHA mortgage is a forgery found in an $ XXXX pool sold to XXXX XX/XX/XXXX I am also attaching what was filed in court. XXXX will be interesting to see the Court 's reaction when XXXX Judges find out BoA attorneys manipulated them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated the late payments that I have been disputing on my credit report 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done, { XXXX } can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If { XXXX } reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with this account should be updated to 100 % paid on time. 

ACCOUNT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX Exeter Fin XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been stolen. I have been disputing the same incorrect information repeatedly to the credit bureaus and they refuse to comply with my requests. I have froze all my accounts, filed a report with the FTC, filed police reports with both local and FBIic3 and am now going to pursue charges being filed for consistently violating my rights as a federally protected consumer and will be seeking compensation for damages.
Product: Checking or savings account

Computer crashed with message from " supposedly '' XXXX XXXX to call & get on-line assistance to unlock computer. Everything looked very professional & I did not question it. My on-line banking account was hacked into and approximately {$160000.00} was scammed out and Wells Fargo claims whole thing was my fault & will not replace any of my funds with covered insurance protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

After opening a secured credit card with XXXX XXXX XXXX, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my Experian, XXXX, and XXXX reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated. 
2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}. 
3 ) After contacting XXXX  XXXX XXXX re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed. 
4 ) Since then, XXXX has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming. 
5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid. 
9 ) Comments continuously state account closed by creditor when it was closed after payment. 

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days
Product: Credit reporting or other personal consumer reports

I noticed that an inquiry that I did not recognize. Please tell me the reason for this pull and send me all info you have
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$2900.00}, {$6000.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Product: Mortgage

We refinanced our home in XX/XX/XXXX. JPM Chase stated that we must take a XXXX and XXXX loan to accomplish the refi ( XXXX was at 7.1 %, XXXX was at 11.9 % ). We had several financial reversals, including a business failure in XX/XX/XXXX, critical medical expenses, and the need to become caregiver to an elderly relative. When we realized that we were unable to make payments on a timely basis, we contacted JPMC to negotiate a HARP refinance. We sent XXXX large loan application packages to JPMC over the period XX/XX/XXXX-XX/XX/XXXX. They were a ) lost, never received ; b ) misplaced internally because responsibility for the loan was transferred to another JPMC employee ; c ) sent to the wrong site for processing by JPMC ; or d ) rejected because the package was " incomplete ''. During this time, we were assigned XXXX different loan representatives by JPMC, to add to the confusion. We began to pay the loan later and later because of the resultant delay. However, we were only more than 30 days late 3-4 times during this period. JPMC continued to pile on late charges. 
Now, we have reapplied for a HARP refinance on the property. We have been told by JPMC Rep XXXX XXXX that we are approved, but that we must pay {$4800.00} in late fees before we can close the loan. XXXX XXXX recommended that I fax a letter requesting discretionary late fee forgiveness to JPMC 's Research Department in XXXX, which we did on XXXX XXXX, XXXX ( attached ). We have Transmission confirmation of the fax. 
Today, JPMC stated that they never received the fax, despite confirming that I had faxed to the correct #, and acknowledging that we have a Transmission receipt! This is just another stall in this series of delays and " lost documents '' which indicates to me that JPMC is not fully invested in helping consumers to get loan assistance under this government program. I am seeing many similar complaints on related internet sites. I believe that JPMC, by design, makes it so hard to utilize HARP that many consumers give up, and they can therefore continue to charge usurous rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a call from an unknown number which left me a voicemail to call XXXX if not they were going to submit to the court for a lawsuit and arrest me. I took this loan out in XX/XX/XXXX I believe but they said am being charged with fraud and other things I couldnt get the name of the company but they said their on behalf of XXXX XXXX. They were going to call my employer to look for me. I have not received any other calls from XXXX ever! The loan was for XXXX and now I have to pay XXXX. I spoke to them and they gave me a wrong birthday year and had an old address. I had to make payment arrangements because I can not afford to go to jail. I have 4 kids to care for and am the bread winner. I panicked when I head the voicemail and called them. They said to give them my social and a debit card for them to put on file. I dont know if its fraud be they proposed for me to pay XX/XX/XXXX the amount of XXXX and then on XX/XX/XXXX or so give XXXX. I really dont know what to do. After we had the agreement I started to think its a fraud. My uncle told me to file a complaint with cfpb. Am scared that I cancelled my card because a lot of things seemed wrong this loan isnt even on my credit report.