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

Terrible customer support - putting my credit at risk for something I did not ever buy. I bought a ski pass using Affirm and paid it off. A month later I started getting email notifications on a different email address ( not the one I used for Affirm ) that another purchase had been made on my account. When I went online into my account with Affirm I didn't recognize the purchase ( it was from XXXX XXXX - maker of XXXX insulated mugs ). The last four digits of the credit card used did not match mine or those of anyone in my family. I submitted an unauthorized purchase report on XXXX XXXX, XXXX. Soon I started getting notices that Affirm was unable to charge the credit card used for the initial purchase and I owed money. So I called Affirm on XXXX XXXX. Customer support was unable to provide me information on the status of the investigation, but said they were escalating to the team investigating the report who should contact me by email within 24 hours. I received no contact for two days,, and I got two packages from XXXX, so I called back in, spoke to a supervisor, who basically said the same thing, on XXXX XXXX. That day I got two email notices saying someone should respond in 24 hours. Affirm did give me information on how to contact the merchant, but they are even harder to contact ( I've was on hold waiting for someone to pick up for a half hour and gave up ). After a week of no contact from Affirm I called back in again. They say they can not give me the status of the investigation and I can not speak to anyone from that team or any higher supervisor or officer. It seems really unethical to me to provide no information on how they allowed someone to associate a purchase with my account that I never authorized, and then associate it with a completely different email. I suspect their security is terrible.
Product: Debt collection

In XXXX of 2020 XXXX  XXXX put a collections on my credit report. This collections popped up on my bureau report and has greatly lowered my score. This debt collector is saying I owe money that I do not owe. Therefore this collections is an unknown collections debt and unverified collections debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuses to remove public record inaccuracy sent letter to the court they have informed me that they have not verified any public record with this agency. They have not provided me the method they used to verify this debt and refuses to remove it or validated that I have filed bankruptcy
Product: Credit card

I have made two purchases on my MasterCard issued by Goldman Sachs Bank and had returned the products to the respective merchants. I was within their return policy guidelines Merchant number one XXXX XXXX XXXX XXXX did not refund my credit card for {$150.00} in which I disputed and the second Merchant XXXX did not refund my card yet provided a store credit in which is useless. I returned to the merchandise and I specifically stated to refund the original form of payment. I have disputed both of these charges in which Goldman Sachs did not even read the purpose of the dispute from my behalf and just immediately cited with the merchant regardless that I don't have the merchandise and that I returned it in accordance to their guidelines. I still have the charges appearing on my card and Goldman Sachs refuses to redispute these items
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XXXX XXXX, I received an alert from my credit monitoring company, that Credit Management company had placed an account on my XXXX bureau. I have never done business with this company and they said account was opened XX/XX/XXXX for the amount of XXXX. 
After receiving this alert, I checked my other bureaus and found they had placed an account on my XXXX bureau in XXXX of XXXX. 
Prior to this alert, I have not received anything from the company. 
After further research, I found this is zombie debt trying to be collected from an account that is far past the statute of limitations in which I have already suffered the consequences of the negative reporting to the bureaus. 
I feel this activity is in violation of the FCRA and FDCPA 15 U.S.C 1692g, 15 U. S. C 1692c, 15 U. S. Code 1681 E ( b ), and C. F. R 1006.34 ( a ) ( XXXX XXXX 
I also researched the Tennessee department

of Commerce and Insurance and found this company has no license to collect in my state. I have submitted a validation letter as of today
which is my first time being notified of this account.
Product: Credit reporting or other personal consumer reports

These items I did not authorize or give them to run my personal information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I was offered a free skin care product and taken to a chair and the person applied product to my face. They told me the cost and I said no and began to walk away. They stopped me asked if I had credit cards I pulled out my wallet and before I knew it the were grabbing my cards and took 3 cards and started calling the cards and maxed out 2 of them. One for aprox XXXX and one for XXXX. The phones they were using were spewing out tiny receipts like you would get at a connivence store. The receipts were never signed by me and they threw a few boxes of their skin care products in a bag and hustled me out of the store. I was flying home to California the next morning and did not even look at the bag until I got home. I was shocked to see the charges, notified my banks immediately and sent back the products. My XXXX XXXX is investigating this, while the Bank of America said they were going to investigate it I quickly received a letter from them denying my claim and said I was responsible for the money. I sent faxes, called daily, found new evidence daily concerning this fraud of a company and am in the process of filing charges against them with the XXXX police dept. they have an f rating on the XXXX  and all complaints were similar to mine. I have copies of everything, sent the to BofA and they said sort it is your fault. I asked why is it I buy something T an XXXX XXXX and before I get home there is a message from you about a fraud alert. Why did you not notify me right away when one company XXXX XXXX XXXX called you five times requesting outrageous amounts of money was there no alert. They said sorry I asked to speak to supervisor he told me exactly the same thing and when I asked for his last name and email address he told he could not tell me that. Case closed. They were very rude and robotic in all their answers to my questions. The did no investigation as XXXX XXXX is diligently working with me and reading all faces and emails. Bank of America would rather pay this fraudulent company than their customers who have been with them for 40 years and spent hundreds of thousands dollars at their bank. Of course I am closing my account but I want to take responsibility for not backing their customer at all. They make you make over an hour to talk to anyones d will not talk about it in their banks. Everyone I have told this story to has had similar experiences with them and all they they HATE Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute unauthorized inquiries with Experian several time over the past few months i have had to call them in to dispute them due to not being able to due them online tried to dispute inquiries due to being done with out my authorization inquiries listed below XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> money key teceived two payments from me. The first payment came from my bank at XXXX for the amount XXXX. Then I made a payment with my XXXX card for XXXX. They credited the account only XXXX payment of XXXX. They instead say it takes XXXX to XXXX business days to credit the account yet XXXX shoes my payment of XXXX was credit to them on XXXX it shows it cleared the other payment from my XXXX card cleared on XXXX. This is unfair debt practice they do this so they can collect more interest it has been well over 3 days and they have refused to show me where they credit the account XXXX payments. I made them a promise that I would make this complaint against them I also told them to close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when XXXX XXXX  resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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 need to be removed from my file : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$1400.00}
Product: Mortgage

I applied for a mortgage loan refinance with Quicken Loans. I was preliminarily approved, received a rate lock and paid a {$500.00} fee for the appraisal, based upon Quicken Loans saying that the appraisal fee had to be paid to confirm the rate lock. A day later, feeling like I was pressured unnecessarily to pay the {$500.00} appraisal fee, I applied to another lender who provided a preliminary approval at a significantly lower rate and closing costs. I contacted Quicken Loans and requested to withdraw my application with them and for a refund of the appraisal fee, which was never performed.

Since then I have not received a confirmation from Quicken Loans that my loan application with them has been withdrawn and they have not refunded the {$500.00} appraisal fee I paid even though the appraisal was neither scheduled or performed.

I received a better deal from another mortgage lender but Quicken Loans is not cooperating in my request to withdraw my loan application and to refund the fee I paid for a service that was not performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These categories on this website do not accurately contain a close match to the reason for my complaint. The reason for complaint is that XXXX  rarely increases my credit score, even when I had my credit utilization done to 2 %, and increased my credit limits. Yet when I use my credit cards, often my score goes down, even with slightest use of one of my cards. It simply does not seem as if my score ever goes up substantially. Not in a long time. This makes no sense to me. Ive complained in the past, to no avail, and only to receive a generic response from XXXX. Calling customer service has been fruitless and unhelpful. It would be great to know why XXXX  simply never raises my credit score, in light of all the hard work I put forth into cleaning up my credit. Even hard pulls on my credit report are supposed to have a lesser effect as time goes by. Doesnt seem like this is the case though imo. What does it take to see my credit score finally rise up more then 1 or 2 points once in a blue moon? Hoping this issue can be addressed and that the generic response saying its an or mathematical formula can be better explained and looked into. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have anxiety over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the CPFB portal. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the XXXX day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. I am also attaching a letter from XXXX XXXX  acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law.

To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Experian Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free credit report from Equifax online and was denied, stating they could not confirm my identity.

Then I ordered one via automated phone using my phone that was on file. After one month no report came.

Then I called the company and they said I would need to fill out a paper form from their website so I did and sent it in four weeks ago and still no report has come.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter. Im writing because I have been dealing with a late payment reported XXXX XXXX  on my XXXX DEPARTMENT. STORE. I was not aware my account was considered late however I am willing to work with XXXX to remove these remarks from my credit files. I believe that my payments were enrolled in automatic payments, however this did not occur for that months payment.
Product: Debt collection

Doctors Business Bureau are reporting negative information in my credit report. I have notified them that the account does not belong to me, I have requested proof of debt and they did not send any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXXS ( Bank ) XX/XX/year> XXXX, XXXX. ( Retailer ) XX/XX/year> Remove These Fraudulent Unauthorized Inquiries Immediately
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXX XXXX  They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal XXXX XXXX. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about XXXX and TransUnion and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.