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

I have called Affirm numerous times and tried their website, only to be told my account is frozen. 
I don't have an account number, When I try to log in to Affirm my account is frozen. 
I called them only to get dropped calls or they were escalating. 
I did not authorize anything with XXXX XXXX, and they have no record of this transaction. 
If I did, I would like to see my signature on an authorized bill I would pay the {$86.00} to to them off my back, but I can't. I wouldn't know how to send payment without a statement. 

I hope you can get a statement with an account number showing the unauthorized charge. 
I am counting on this!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX And XXXX {$1500.00}, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my follow up complaint addressed to the Experian, XXXX, and XXXX Credit Bureaus, in conjunction with the aid of CFPB. I have notified all three CRAs that I fell victim to identity theft. This written communication restate my request to have the inquiries linked to alleged identity theft erased and excluded from my credit file. The CRAs are mandated to carry out the removal of these specific inquiries within the stipulated timeframe. The identity theft report was previously enclosed with my initial complaint and is once again attached herewith. Furthermore, the information furnished by Experian, XXXX and XXXX regarding these inquiries is unfamiliar to me. Conversely, these inquiries were individually removed from other bureaus. Hence, I maintain reservations about the precision of the data being presented for each of these inquiries. Here 's the list of fraudulent inquiries that needed to be removed immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lost my XXXX credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/. 

After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. 

Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. 
This closed by XXXX points on my credit card. 
I am trying to get a loan for my car and it's now impossible to even get approved.
Product: Credit card

Subject : Request for 1099-C Form Hi, I hope this message finds you well. 

I have noticed that an item has been charged off on my credit report, but I did not receive the 1099-C form for this. Could you please send me the 1099-C form at your earliest convenience? 

If you have sent it to me previously when you should be, please provide proof of sending 1099-C. 

Discover Credit Card : XXXX Thank you for your assistance.
Product: Checking or savings account

To Whom It May Concern : During early and mid XXXX of 2022, I used various XXXX payment applications ( XXXX XXXX, XXXX, XXXX ) to pay various parties ( XXXX XXXX for merchandise I was trying to buy. Despite using the XXXX payment applications, payment was always made through my Chase Visa Debit Card. Subsequent to payments, XXXX would claim that their XXXX application account was locked out due to suspicious activity, therefore unable to access funds sent to them. As a result, XXXX did not ship out merchandise and recommended I file a claim with my bank to get my money back. 

I called Chase Bank customer claims to open disputes explaining to various agents my situation. They opened claims for me, but eventually ruled the claims not in my favor stating that the payment was made through XXXX payment applications. I tried appealing and reopening my cases by faxing proof to the claims department that I paid for merchandise that I never received. Proof included chat logs with XXXX discussed merchandise to be purchased, pictures of payment receipt, XXXX claiming XXXX application being locked out, then confirming they will not ship out merchandise and advised I try to recover my money through the bank. 

Despite providing this proof, Chase has ruled not in my favor again for my reopened claims and stated that there is nothing more they can do to help me. Below is a list of my claims that were not ruled in my favor. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. 

-Claim XXXX : Filed XX/XX/2022. Description : XXXX XXXX XXXX XXXX XXXX Amount : {$500.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3000.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3100.00}. Chase Claim Reference number : # XXXX
Product: Payday loan, title loan, or personal loan

About a year and a half ago I took a loan of XXXX dollars and its paid every 2 weeks but because most of the payment goes to interest it never goes to the bill I am still paying almost 2 years in and the interest rate must be illegal and payment every 2 weeks is at least XXXX to XXXX dollars which is crazy something needs to be done with speedycash
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my payment on the XXXX. Nissan filed it as a principle only payment but it wasn't. I called and they corrected the payment as it should be. Then they charged me a late payment for XXXX. I wasnt late for XXXX or XXXX. I Shouldn't be responsible for their mistake.I work hard to pay my bills on time and keep my credit good. I shouldn't be responsible for someone else 's incompotence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 USC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report and have been a victim of identity theft. Please remove these accounts on my report, theyre hurting of my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, XXXX, and Equifax. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the XXXX credit bureaus to dispute the in accurate information to no avail. XXXX asking you to help me get my life back. 

XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}
Product: Debt collection

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX capital one added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a capital one account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at capital one I spoke with XXXX ID XXXX XXXX XXXXXXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, CAPITAL ONE IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN XXXX AND XXXX INVESTIGATIONS AND CAPITAL ONE HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

XXXX knowingly and incorrectly reported that I had n't paid a bill. The bill was incurred by someone who had been a secondary on an account that I had closed. The secondary, an employee, had also opened his own account with XXXX. The charge should have been charged to his new account and not to mine which had been paid off in full and closed. Experian refuses to accept the evidence I have that proves this was never my charge. There are also multiple misstatements on my credit report with Experian. I have had a spotless credit history for XXXX years excepting this XXXX incident with XXXX. Experian is defaming me and, of course, also hurting my prospects for acquiring new credit. I 'm entertaining the notion of suing them for defamation unless we can resolve this matter through the CFPB. How is it that XXXX refusal to pay a charge that was never mine in the first place for {$100.00} led to a drop of XXXX points in my credit score? How is that permitted by any law that governs the behavior of these credit bureaus? I do n't know if I 'm more astonished/shocked or infuriated. But basically both at some level.
Product: Mortgage

I have previously filed a complaint against Shellpoint mortgage ( complaint XXXX ) on XX/XX/XXXX to which they have not responded. In the meantime the problem has escalated. In attempt to correct the unauthorized increase in my monthly payment to cover an escrow placed insurance I do not have. I sent proof of my homeowners insurance that I pay monthly myself. I explained this in writing to the insurance department myself via email. Today ( XX/XX/XXXX ) Shellpoint paid out {$1700.00} for the annual policy that started almost 7months ago and I have been paying for every month on my own. They now have my escrow as negative {$920.00} which means when my property taxes are due they wont be able to pay those. I can already foresee them trying to increase my monthly payment again because of the negative escrow that THEY created. I have called numerous times and nothing is being addressed.
Product: Credit card or prepaid card

Citibank has not resolved my issue with ( 2 ) {$1600.00} charges to my card. The charges were made on XXXX XXXX, 2017. Citibank has investigated the matter and has said that I am not responsible for the charges. Since then there have been ( 4 ) more debits and ( 5 ) credits in the amount of {$1600.00} each leaving me with ( 1 ) {$1600.00} charge that all parties agreed I did n't make. There are also charges of {$110.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX both of which Citibank has not investigated. I first started communicating with Citibank on XX/XX/XXXX when I first noticed the charges. I have been calling their fraud department on about a weekly basis and finally sent a secured email where I got a response that my account was correct. I have since run a full account review of my card that I have had only since XX/XX/XXXX of 2017 and found that even with the incorrect charges on my account the balance Citibank says that I owe is incorrect. I have also found ( 1 ) instance where Citibank credited me an extra {$39.00} as part of a fraud charge. Right now my card balance and transaction history is a joke.
Product: Debt collection

I disputed a fraudulent account with Portifolio Recovery Associates in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Product: Debt collection

I have had multiple attempts to contact me, every 4 days, robocall. I contacted them today, XX/XX/2019 for a previous call left on my voicemail. 

The lady said they were a debt collector for XXXX XXXX, who apparently had my cell phone number before me. I have gotten other calls for her as well. I told the lady the same thing and asked to be removed. She said she understood, and would remove me but if a report came up with my number I would be contacted if it was regarding the original phone owner. 

They then called again on the same number and robocall. 

I would like them to quit harassing me. They have called me 7 times since XX/XX/2019. 

XXXX XXXX XXXX
Product: Debt collection

This is the same issue from complaint # XXXX. XXXX XXXX XXXX ( XXXX XXXX ) is still harassing us with trying to collect a XXXX. bill. Now they are using RPM debt collection agency to try to intimidate to collect something we have discussed and finalized with XXXX XXXX XXXX ( XXXX XXXX ) supervisors.Review complaint # XXXX-XXXX  and have them stop harassing us! XXXX XXXX XXXX needs to listen to their recordings from the dates and times I have listed. XX/XX/XXXX at XXXX XXXX. when I talked with XXXX and her supervisor XXXX. I was told that I owed for 2 days service and to return the equipment. They would send a box to return it in. XX/XX/XXXX at XXXX I told XXXX the it wasn't disconnected yet. He said the account was pending disconnection for XX/XX/XXXX. I told him about the conversation with XXXX and XXXX, he said that their was nothing he or myself could do about it. I would get a bill for the full amount, and I would have to contest it. That is what I have been doing for a full year now! This is a scam!!! XX/XX/XXXX the service was disconnected and I talked with XXXX  at XXXX. She said that I owed {$8.00} for 2 days service and that it should have been disconnected on XX/XX/XXXX.I paid the {$8.00}. XX/XX/XXXX I get a bill for the full amount. I talk with XXXX at XXXX and she was going to look into it. She stated there was nothing in the notes from my previous conversations. She would be escalating the complaint and I would get an email or phone call in 24-48 hours. I asked her to put in the complaint notes to listen to the previous recordings. She said she would.I heard nothing back until we get another bill on XX/XX/XXXX. My wife calls XX/XX/XXXX at XXXX and talks with XXXX employee # XXXX and XXXX supervisor XXXX XXXX. They inform my wife that the account is at {$0.00} We hear nothing back. We get a collection notice from XXXX in XXXX. XX/XX/XXXX at XXXX I speak with manager XXXX. She said she will have XXXX XXXX manager listen to the recording on XX/XX/XXXX. XX/XX/XXXX I send an email to XXXX disputing the bill. This is ongoing harassment that needs to stop!!
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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Meridian Financial Services. Notice received the week of XXXX XXXX, Responded back to the company by letter which was mailed priority mail, Company failed to respond back within the allotted time frame, Per the Fair Credit Reporting Act. At this time I am requesting the appropriate action take place. The letter was received by Meridian per my USPS tracking number on XX/XX/2020. This company has been reported as a Scam and many people have also lost money. Company has changed there name more than once. I would like this reported and amount removed from Collections from XXXX XXXX. If you need to reach me regarding additional documents. Feel free to contact my wife XXXX XXXX via email : XXXX or by phone at XXXX. 

The name of the Company in collections for is XX/XX/XXXX XXXXXX/XX/XXXXXXXX Also know as XX/XX/XXXX. 

Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/26 I got an email from XXXX  XXXX XXXX saying they were trying to confirm my email address. Shortly after I received an alert that an inquiry was made from XXXX  XXXX XXXX to check my credit. I have never, and have no plans to use XXXX  XXXX XXXX and have never contacted them. Someone is trying to setup an account with my information.
Product: Credit card

My credit card was placed into delinquency after XXXX  years for a {$53.00} missed payment. My wife and I just went through a high risk XXXX with complications and a very rough labor and delivery process. Helping my wife recover and taking care of my newborn daughter my {$25.00} regular payment to Wells Fargo slipped through the cracks. 

I didn't recieve a " Lets catch this together '' " It's time to act '' email communication until XX/XX/year> after the report had been made to the credit bureau. My credit score has been as high as XXXX and is above XXXX on average, I understand the importance of on time payments and honoring financial commitments. This card is only kept open to keep my credit age high. I don't believe that a credit score drop of XXXX points gives a fair representation of me as a consumer. Especially for such a low amount. 

I've contacted Wells Fargo and they have stated there is nothing that can be done. The payment has been made and they have gone as far as to remove late fees due to me being a loyal long standing customer. 

I ask that this late payment delinquency be removed as I believe it is a misrepresentation of my credit history. I also feel that Wells Fargo could have communicated that my account was at risk for delinquency and this could have been resolved without such harsh consequences. 

Any assistance would be appreciated.
Product: Debt collection

Collection reporting as closed versus being deleted completely from credit report as guaranteed after being paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I began corresponding with Equifax. I requested that Equifax send me verification of the alleged original signed consumer contract between myself and the creditor with my signature on it. I have sent three requests and they have failed to produce the contract that I requested. 

I noticed that they are receiving the request and then completing dispute the same day or a few days later, which means they are not making any effort to obtain the information. 

Equifax has stated that they have verified the accounts, but I did not ask them to verify the account. I asked them to provide me a copy of the original signed consumer contract between myself and the creditor. 

Per the FCRA Section 609, the credit reporting agencies are supposed to send me a copy of the original contract that I supposedly signed, which they are supposed to have by law. 

If Equifax can not provide the contract then they are not legally verifying my account. If the account is not legally verified by completing my request for a copy of the original contract then under Federal Law any unverified account must be deleted. They are responding by stating my accounts are verified, but I am disputing their right to report the account.

Equifax is breaking Federal Law and have not provided the contract that I have requested on three different occasions and are not making any effort to do so which is willful and malicious non-compliance. I can provide paperwork to substantiate my claim. 

I have also asked Equifax to investigate fraudulent inquiries on my credit report, but they have responded to state that they do not investigate inquiries, which is inaccurate. They are ignoring my request altogether. 

I will most likely file suit as I have had to do in the past, but I wanted to first explore the option of seeking your assistance first before moving forward.