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

I was not 30 days late in XX/XX/XXXX with XXXX XXXX XXXX ( furnisher ) Acct # ending XXXX. 

Since this account was never proven by the furnisher, please delete this late payment for inaccuracy, and update this account as paid/ never late. 

To show cause, please demand the furnisher ( XXXX XXXX XXXX ) to show their bank statements that can prove that I was late in XX/XX/XXXX. 

Under XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I look forward to your response in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed a credit inquiry from the XXXX XXXX XXXX XXXX XXXX hard inquiry XX/XX/21. I did not apply for an XXXX so to me thats fraud on my report I also made a police report about this
Product: Checking or savings account

Incident occurred : XXXX XXXX of {$2000.00} Filed claim XXXX My personal account was closed and a chargeback have been issued on my account in the amount of {$2000.00}. The bank has closed my account and placed me in XXXX. 

My account has been targeted by fraud via debit card and I have told Bank of America this. They responded by informing me to trust them and that they will investigate and resolve the issue. They resolved it by reversing the credited account and closing when I refuse to pay for something I did not authorize nor do. I asked what did there investigation intel and they simply said someone couldnt possibly obtain your pin.
Product: Debt collection

I reached out to the original apartment, and clarified that the debt is incorrect. 
The original ledger from apartment includes mistaken charges. 

Collection agency threatened that I must pay incorrect balance, or they wouldn't remove it. 

Collection agency illegally increasing balance of the collections during dispute process. 

Illegally adding interest or fees would be a violation of the FDCPA and could subject the debt collector to legal consequences, including fines and damages payable to the consumer. 

Section 808 Unfair practices : This section lists specific prohibitions against unfair practices by debt collectors. It includes the following : Section 808 ( 1 ) : " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The original lease does not permit for any additional charges. The property manager does not acknowledge any additional charges. 

Attorney is helping us navigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit card

The account is currently under SCRA protection so my balances have a 0 % APR. however, during the period, none of my payments are going towards the cash advance balance, which will have a much higher interest rate once SCRA benefits end.

I am asking then to prioritize paying off the cash advance balance, as their policy is to typically pay off higher interest rate balances first. By not doing so, they are setting me up to have a large cash advance balance after Ive paid for years towards the card, as they prioritized the balance with the lower future interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate items that is being mixed on my credit report. Mixed information is not supposed to be on my report.
Product: Vehicle loan or lease

Purchased a used car for {$23000.00}. My annual percentage rate is 10.79 %. I put {$3500.00} as a down payment. My paperwork states at the end of my least I will be paying {$47000.00}. 

I noticed on my paperwork it has a Finance Charge this credit will cost me will cost {$11000.00}. I find this too high and absurd. I will be making Phone calls and complaining & looking to refinance this loan. 

We do not have an account number yet, this transaction just took place this week. Our Dealer is # XXXX & Our customer number is # XXXX
Product: Checking or savings account

I initiated two on-line ACH transfers in the amount of {$7000.00} each with my Citibank Checking account. There were two ACH transfers in the amount of {$7000.00} on XXXX XXXX, and {$7000.00} on XXXX XXXX from my XXXX XXXX account to my Citibank checking account. However only {$7000.00} ACH electronic deposit showed up in my Citibank checking account. 

For more details, please refer to the bank statements from XXXX XXXX and Citibank. From the XXXX XXXX monthly statement, there was a debit of {$7000.00} on XX/XX/XXXX, and another debit of {$7000.00} on XX/XX/XXXX to Citibank. However the Citibank monthly statement only reflects {$7000.00} on XX/XX/XXXX. So I am missing {$7000.00} with my ACH electronic transfer. I have since contacted and escalated numerous times to both Citibank and XXXX XXXX about the ACH electronic transfer problem, but this problem has not been resolved. 

I appreciate if you could kindly resolve this ACH electronic transfer problem between Citibank and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, pay pal credit card, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied Transunion Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionlly, a copy of my FTC fraud report. My request has been for Transunion to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked Transunion to investigate for validation method not Verification. Transunion has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Transunion copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Transunion continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX and Doyle & Hoefs , LLC, without notice, filed a lawsuit against me in a state where I do not live and repeatedly contacted me to collect money.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : I C SYSTEM Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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

IC System keeps adding/attempting to add itself to my credit report for a bill that is invalid and/or inaccurate. I have disputed this item on my credit report several times over as it has been reported by multiple collection agencies with falsified and/or inaccurate information. IC System collection reportings were previously deleted from my credit report but somehow IC System keeps managing to add itself back on for the same disputed item. It is my  understanding that a creditor nor collection agency can report falsified and/or inaccurate information on a consumers credit report. IC System with its various tactics keeps attempting to damage my credit report with falsified and/or inaccurate information. Please put an end to this.
Product: Payday loan, title loan, personal loan, or advance loan

I encountered an XXXX ad by XXXX XXXX promoting an easy, zero-risk online business with professional mentorship, requiring only an email for more information. On XX/XX/XXXX, XXXX from XXXX contacted me to discuss my background, education, and goals. As a XXXX XXXX with limited funds, I made it clear I was seeking information only. XXXX then scheduled a XXXX call on XX/XX/XXXX with XXXX XXXX. 

During our call, I reiterated my financial constraints and intent to gather information, not make commitments. XXXX asked me to fill out some forms, assuring they were for informational purposes only. However, I later discovered that I had unknowingly signed up for a {$4800.00} online business course through Affirm, with a 32.46 % interest rate totaling {$7500.00}. XXXX did not disclose any transaction details. 

I contacted XXXX immediately to cancel the course, but she dismissed my objections. Despite explaining to Affirm that I had been misled, they approved the loan and deemed it irreversible. My attempts to resolve the issue with both the company and Affirm were repeatedly denied, and my disputes were closed in favor of the merchant. 

Connecting with others who experienced similar scams, I persisted in seeking a refund and cancellation. Despite the company offering a call with XXXX XXXX to discuss a refund, my inquiries about potential charges went unanswered. Repeated contacts in XXXX yielded no resolution. 

During a call from a representative with no caller ID, I explained the misleading purchase but received no assistance. This experience underscores the need for caution with online business opportunities. Further research revealed XXXX XXXX 's registered agent address in Florida is a po box , which is illegal. 

I aim to expose these unethical practices, advocating for the loan 's removal from my credit report as I am a struggling college student. 

Since that day, I have filed multiple disputes and complaints with Affirm, opening cases regarding the scams perpetrated by XXXX XXXX and Affirm. Although Affirm initially stated that a complete investigation would take 30 to 90 days, they closed my cases in favor of the merchants within minutes. Despite contacting them immediately to prevent the approval of this unauthorized loan, my requests were ignored. I continue to call daily, urging Affirm to reverse the loan and rectify the situation. 

I seek immediate assistance to resolve this issue, as it could severely impact my credit. I have filed multiple cases with the Attorney General and other relevant authorities to seek a fair resolution. The first payment of {$210.00} for this loan was due on XX/XX/2024. I refuse to make any payments, as this is not an agreement I willingly entered into. I lack the financial means to pay, and this is not what I signed up for. 

I seek justice through a refund from XXXX XXXX and the cancellation of this unauthorized loan by Affirm. It is imperative that Affirm cancels this loan made using my social security number and addresses the unethical practices that have led to this situation.
Product: Mortgage

XXXX lied to us and induced us to make an over {$11000.00} payment under the basis that we needed to reduce our principal to value ratio to 75 % to have our PMI removed. However, upon further examination, they failed to adhere to XXXX XXXXXXXX XXXX XXXX regulations ( excerpt attached ). Section 8203.2 ( b ) of the XXXX XXXX XXXX  guide states that : " The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements, the LTV ratio must be 80 % or less. '' Their own appraisal notes on Page 2, attached, that there was a contributory price of {$60000.00} with updated flooring, water heater, all new appliances, and new fixtures. We repeatedly, in multiple emails and correspondences mentioned that we were having the PMI removed due to substantial improvements. We even specifically noted on the signed authorization that we were doing so because of " substantial improvements ''. There is no reasonable basis to find that completely changing the flooring, appliances, water heater, etc. of a condominium does not constitute a substantial improvement. 

This servicer fails to adhere to the regulations of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I did not authorize or approve the inclusion of this information under my name, as I have been a victim of identity theft.
Product: Debt collection

I paid XXXX XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
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 168b permissible purposes of consumer reports. 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. 

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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Student loan

American Education Services has a ridiculous interest rate type & percentage that changes monthly, making it nearly impossible to pay off a student loan in a lifetime. When I call, employees are rude, and are n't able to describe how my interest rate works, and is calculated, or how/why payments were applied as they were. With the repayment plan they have me in now, I will be paying over {$30000.00} for a less than {$10000.00} loan and will be paying until at least XX/XX/XXXX, for a loan that was taken out in XX/XX/XXXX. In the past 9 months I made extra payments in some months to try to get the principle to drop. In the past 9 months of the over {$2400.00} I have paid only {$1600.00} has gone came off the principal.
Product: Vehicle loan or lease

XX/XX/XXXX went into the KIA Dealership I was there from XXXX to XXXX with alot of commotion in the dealership they were having a hail damage event, I asked what kind of deal I was getting and 1 man says nothing your getting it with {$0.00} down and by that time I was frustrated and ready to leave. In the end I returned the vehicle because the dealership refused to help me trade for a vehicle with non-hail damage. Months have gone by with no phone calls until I made a complaint XXXX finally called and said it was going to be a REPO on my name and very XXXX XXXX  was returned before any payment was due. Now XXXX finance is saying I am behind 34days and owe XXXX. They continuously ran my credit I have XXXX hard inquiries within month. I need this to be removed from my credit in which they refuse help with. I've called KIA finance & KIA consumer affairs regarding this issue and no one has been able to help get this resolved. As of XXXX I was told by consumer affairs they would call me back and have not received a call. I was forced to buy a vehicle I was NOT happy & I told the sales person I didn't like it and the finance manager. This was a horrible experience in a dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I initiated a transfer from XXXX XXXX  in XXXX XXXX to Discover on XX/XX/XXXX of XXXX . Due to an error on Discover 's part, all of my funds were attempted to be transfered. Discover retries the transfer, but since XXXX XXXX had already initiated the transfer, the account appeared as though it had a negative balance, causing the transfer attemp to fail. On XXXX XXXX, discover initiates a return, however they use an incorrect routing number for this return. The routing number used was for XXXX XXXX in the XXXX XXXX. Can I please get help with this? I need my funds to be transferred to the correct account at the correct bank. My account number for Discover ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report i notice that there were a few late payments being recorded on my credit report that is being recorded under my social security number and this credit bureau removed the lates after i send them a certified letter in the mail with the return receipt they removed the lates and has placed them back on my credit report without notifying me in writing of any changes back to my credit report which is clearly a violation of the FCRA. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureau is required to notify me of the reinsertion in writing within 5 business days.