23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I used Affirm to book a vacation through XXXX. We had numerous issues and ended up reporting this charge as fraud after confiding in our bank. We spoke to someone in the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and ended up discussing the details. She told me that we most likely would not receive the full amount but she would try her best. 

We initially paid the full amount on XX/XX/2023 for XXXX. The Affirm loan was completely paid off. Then in XXXX, after trying to work with XXXX for XXXX  months, and not getting anywhere, we reported this charge to our bank. Who then on XX/XX/XXXX, put the full {$6700.00} back onto our account after working with Affirm. We were told that this was our money and that Affirm could not request the money back since this is how much they decided to refund us. 

Fast forward to XXXX, I received a phone call from a collection 's agency stating that we owed Affirm money and it wasn't paid, so now we are in collections. I told the collection 's agency our situation and they stated they would send this case back to Affirm to review. I have not received XXXX phone call from Affirm asking for payment for my loan. I am confused why it was sent to collections in the first place since this scenario was cleared with Affirm and XXXX XXXX XXXX XXXX. 

My husband and I went to apply for a business loan for our small family-owned business today and were denied since this claim has now negatively affected my credit. I need this cleared up with the credit bureau ASAP. 

Affirm is now requesting evidence of fraud when this was discussed with XXXX XXXX in XXXX of 2023. Why would Affirm disperse the money back to XXXX without checking into the situation first? Affirm sent our bank the money to pay us back. See the amounts attached with dates. It has been a year and this should have been resolved and never been an issue. 

I have used Affirm for many large purchases and have paid them off in FULL and I do not appreciate the lack of communication on Affirm 's end. 

My husband and I are now in collections with another agency, XXXX XXXX, who we have sent the SAME information and dispute letter from XXXX XXXX. We thought this was resolved and now this is really affecting our credit for our business.
Product: Debt collection

Phillips & Cohen Associates , LTD. have acknowledged that Debt was paid, but have failed despite numerous contacts to submit Satisfaction of a Claim they filed in an Estate. As a result, their actions are causing the Estate to incur additional expenses and fees, Debt was paid in full XXXX. Phillips & Cohen indicated on XXXX it would file Proof of Satisfaction of Calim with Court. It did not do so. On XX/XX/2023, Phillips & Cohen again indicated that it would file satisfaction of the Claim within a week to 10 days. As of XXXX nothing filed.
Product: Checking or savings account

Incorrectly charged 11 Monthly Maintenance Fees totaling {$88.00}. Initially signed up for linked checking and savings account was not charged fees. Signed up for preferred rewards program in XXXX and did not maintain a $ XXXX  minimum balance and did not qualify for rewards points. My savings account was then charged a monthly fee. I was told my accounts would not change if i signed up for rewards points i just need to keep a minimum balance to accrue rewards points. Timeline below. 

XXXX - Opened checking and savings account. Accounts were initially linked to avoid being charged a monthly maintenance fee. 

XXXX - Walked into a Bank of America branch and was positioned to sign up for preferred rewards. I was told there would be no changes to my accounts and i would be eligible to accrue reward points if i maintained certain minimum balances. 

XXXX - I purchased a home and withdrew a large portion from my checking and savings which caused my account to fall below the rewards program minimum threshold. 

XX/XX/XXXX - Monthly maintenance fee of {$8.00} commenced. 

XX/XX/XXXX - Contacted Bank of America and they indicated they can not refund previous monthly maintenance fees because the current savings account is not eligible to be linked to my existing checking account. I was told my accounts would not change when i signed up for the rewards program and I thought my accounts were properly 'linked ' because i had ongoing to " Keep the Changed '' transfers authorized from my checking to savings.
Product: Checking or savings account

Capital One received my paycheck XXXX  days ago and it is not in my account. They did not attempt to contact me until almost XXXX hours after they knew about the problem. It should have been resolved by this morning. I still dont have my money.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, SANTANDER, XXXX XXXX  PULLED HARD INQUIRIES ON ALL REPORTS.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft I filed a police report and a FTC report as well. It is 3 accounts on my credit report that have been open fraudulently the first account is with a company named " XXXX XXXX '' and another one with " XXXX XXXX '' and also " XXXX XXXX '' I have never opened any accounts with them, and it is clear that someone fraudulently opened these in my name without my consent. I have contacted the company and the Credit Bureaus but they have not been helpful in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX, XXXX concerning their handling of a retail installment contract for my XXXX XXXX XXXXXXXX ( VIN : XXXX ). This complaint addresses violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Due to the significant financial and emotional harm caused by these actions, I demand monetary relief in addition to corrective actions. 

Key Violations XXXX. Failure to Validate the XXXX XXXX has failed to validate the debt despite repeated disputes. Under FDCPA 1692g ( b ), XXXX is required to : Provide a copy of the original retail installment agreement. 
Submit chain of title documentation, proving XXXX legal ownership of the debt. 
Substantiate the balance, including fees, interest, and payments. 
Failure to validate the debt invalidates XXXX collection and reporting activities and violates federal law. 

XXXX. Improper Repossession During Arbitration XXXX repossessed my vehicle while the account was subject to active arbitration, a process that should have paused all enforcement actions. This repossession : Breaches the arbitration process outlined in the agreement.

Violates FDCPA 1692f, prohibiting unfair collection practices.

This repossession caused significant harm, forcing me to pay for vehicle rentals and disrupting my personal and professional life.

3. Inaccurate and Misleading Reporting XXXX reporting to credit bureaus is inaccurate and misleading, violating FCRA 1681e ( b ), which requires maximum possible accuracy. Specifically : XXXX reported multiple " charge-off '' ( CO ) notations across several months, exaggerating the severity of the delinquency. 
The reporting fails to reflect the disputed status of the account, as required under FCRA 1681i ( c ).

These inaccuracies mislead creditors and severely harm my creditworthiness.

4. Violation of FCRA 1681b Permissible Purpose XXXX has not demonstrated that it had a permissible purpose to report this account under FCRA 1681b ( a ). Without my written authorization or proper validation, XXXX reporting is unlawful. 

XXXX. Violation of TILA Failure to Provide Notice XXXX has not provided proof of compliance with TILA 1666b, requiring a 21-day notice for payment due dates. Any late payment or charge-off entries lacking such notice are invalid.

Harm Caused 1. Financial Harm : Vehicle Rental Costs : Following the repossession, I incurred significant costs for vehicle rentals to meet daily transportation needs.

Loss of Financial Opportunities : Inaccurate credit reporting has resulted in higher borrowing costs and denied credit applications. 
XXXX. Emotional Distress : The wrongful repossession and inaccurate reporting caused undue stress, disrupting my and my daughters quality of life. Missed appointments and professional opportunities have compounded this harm. 
XXXX. Reputational Damage : The misleading credit entries tarnish my reputation as a reliable borrower, further affecting my ability to secure financial opportunities.
Product: Checking or savings account

My Chime account was compromised, my email and phone number were changed, and funds were taken from my account. I contacted chime couple days ago, they helped me secure my account, which they saw had intact been compromised. They refuse to return the stolen funds to me. And when I call, I get hung up on, and told that I can not speak the the investigation team in charge. Then today, I wake up, and my account is restricted, because someone attempted to compromise my account, once again. And they still will not return my funds, or even look at my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are showing on credit report, that I did not authorize. Tried contacting accounts and credit bureaus, but no progress.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I saw on my credit report a collection line item for roughly {$120.00} with Medical Data Systems of XXXX XXXX, FL. I contacted them in XX/XX/2020 in an attempt to clear this from my credit report. I paid what I was told was owed ... .roughly {$120.00} My credit report then showed a new {$9.00} balance with them. I called again to pay this {$9.00} balance and was told there was a new balance of {$27.00}. When I disputed both the {$9.00} charge and the {$27.00}, I was told that they may not have received the debt the last time I called and that is why I was not notified of the debt. I said I wanted to clear the {$9.00} line item from my credit report. 

The representative advised that I would need to pay the debt and send a copy of my end of month credit card statement to Medical Data Systems in order to receive a XXXX balance letter. The doctors that reported this debt, I had not seen in 2 years ... it made no sense why my balance with Medical Data Systems would increase over the period of one month. Also, I do not understand why a receipt of payment is not forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint based on the recent Equifax data breach. 

1. Learned of Equifax breach yesterday evening ( XX/XX/XXXX ). 
2. Checked today ( XX/XX/XXXX ) on the Equifax site that my SSN has been compromised. 
3. Enrolled in their XXXX program ( with an enrollment date on XX/XX/XXXX ). This is really unacceptable we have to wait this long for service. 
4. Attempted to sign up for credit freeze but they will not waive the {$10.00} fee ( outrageous that they are charging money for a service that is a direct result of their incompetence ). 
5. Filing this complaint.
Product: Debt collection

Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
Product: Credit card or prepaid card

On XX/XX/XXXX, received a letter stating there was a balance transfer of {$2700.00} to XXXX XXXX XXXX, a second letter stating another balance transfer of {$2000.00} to XXXX XXXX XXXX.I called immediately, Wells Fargo cancelled my card and reissued with a new number. I was told the claim would take 15 to 30 days. Called them on XXXX, they said they would open a claim, called on XXXX, told the claim wasn't filed on XXXX promised a letter in 7 to 10 days, called on XXXX now it will take 30 to 45. Told my name or Social # was linked to these two account. Told to check with the two other banks, I have called both XXXX XXXX and XXXX XXXX, they both said that my name and Social # are not linked to these account. Wells Fargo told me to get written proof from these banks. I faxed the request to both bank. Both banks have told me this isn't the way things are handled. I faxed requests to both banks. On XX/XX/XXXX, XXXX XXXX called, we got on a conference call with Wells Fargo to confirm my namer is not linked. Wells Fargo said that they would open another claim. I have a letter, which was emailed to me, dated XXXX, saying a claim was opened and should take 15 to 20 days. On the XXXX phone call Wells Fargo said the claim was denied on XXXX. One person at Wells Fargo said they would open a claim for me, investigate and then just deny it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/1982 SS : XXXX I have several addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses. I am a victim of fraud so I am trying to protect the integrity of my credit file the best I can. I have filed a police report in XXXXXXXX XXXX  and XXXX XXXX. I found several accounts on my credit that are fraudulent and not accurate. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 24 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. 2025-CFPB-0002 ) 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill with XXXX XXXX was reinstated on my credit report XXXX 2017. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. XXXX XXXX is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. Equifax is ignoring this as I have credit report from them in XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.