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

Date : XX/XX/XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA, XXXX United States Subject : Unresolved Disputed Charged Off Loan ( Affirm ) Dear Affirm, I am writing to urgently address an unresolved issue regarding a charged-off loan on my account ( Loan ID : XXXX ) with Affirm, initiated on XX/XX/XXXX. This letter is regarding the purchase made through Affirm at the XXXX XXXX and the subsequent developments including the merchant-issued credit adjustment on XX/XX/XXXX, my requests for deferral due to COVID-19 financial hardship starting from XX/XX/XXXX, and the eventual charge-off of the loan by Affirm on XX/XX/XXXX. 

As a loyal user of the Affirm platform, I am deeply troubled by the negative impact this situation has had on my financial status and access to Affirm 's services. The core of this issue lies in the failure to process a credit adjustment of over {$270.00} issued by XXXX XXXX. Despite this adjustment, my loan fell into default and was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$290.00}. This balance should have been offset by XXXX XXXX 's credit adjustment. Furthermore, my repeated requests for a payment deferral due to financial hardships caused by the COVID-19 pandemic, starting from XX/XX/XXXX, were not appropriately accommodated, leading to the exacerbation of my financial difficulties. 

In response to these unresolved issues and the significant distress caused, I am requesting : 1. Immediate removal and correction of the charged-off status of my loan ( ID : XXXX ). 
2. Immediate correction of all negative and derogatory information reported to my credit report as a result of this situation.

3. Full reinstatement of my access to the Affirm platform, acknowledging my history as a loyal customer.

4. Issuance of a {$500.00} virtual gift card as a gesture of goodwill for the hardships and extraneous issues I have endured due to Affirm 's unethical operations and lack of proper handling of my account issues. 

This complaint letter, detailing the lack of resolution and support from Affirm, will also be forwarded to formal agencies, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), for further escalation and investigation into these matters. 

Thank you for your attention to this critical matter. I look forward to a swift and fair response. 

Regards,
Product: Credit reporting or other personal consumer reports

Dear Experian I just recently looked at my credit report XX/XX/XXXX and I saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

Discover Financial SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached accounts should be reporting on my Equifax credit report. I am requesting for these accounts to be added immediately.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX XXXX  XXXX. I disputed this debt. I have no knowledge of a XXXX XXXX Credit Card. XXXX investigated this alleged debt and deleted off my XXXX  report. Now XXXX XXXX XXXX XXXX to the same debt to Equifax for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my Equifax the next day XXXX deleted it from my report This XXXX has caused me harm dropping my credit score. My new employment require me to have a good score in the lending business
Product: Mortgage

XX/XX/2024 I contacted WF to get into a payment plan and ended up arguing with a XXXX whom refused to take my info and offer me a payment plan, because I crought up her lies about previous violations, they decided to focus on that when this XXXX was already addressed! while XXXX was aware, he twisted and turned my request into to something else other than offering a payment plan. WF still sitting on this since XX/XX/2024 and refused to offer or provide a payment plan. I called in XXXX after speaking with XXXX whom they claimed they terminated but failed to proceed to assist me. XXXX violated my right and refused to assist me, argued with my and made derogatory comments about me not being educated and WF discriminated against me for a payment plan and ignored the fact as to why I even called XXXX XXXX! WF intent is to buy time to set me Up for foreclosure by month end of XXXX, Now that I am 90 days past due, they have done absolutely nothing, offered no program for repayment at all and refused to assist me on this. They made up XXXX to throw the request off. They have violated my rights as I have a FHA loan, and must provide assistance as they have not provided assistance. This request was XX/XX/XXXX and IM still WAITING for an answer and they are still sitting on it since I reach XXXX to set up foreclosure. ISSUE WAS KNOW acknowledged at all. Bringing up the past has nothing to do with my request on XX/XX/2024. They can call me names and call me uneducated and refuse to offer assistance while Im going thru hardship is truly a VIOLATION
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service 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 readdress for these violations.
Product: Debt collection

On around XX/XX/2022 Midland Credit Management and myself Mr XXXX XXXX came to an agreement to settle one of my credit cards debt through a plan arrangement by agreeing XXXX make payments of XXXX dollars per month since then I have no missed one payments.but I have notice my credit have not been updated since then.I tried to contact this company and they always talk me they are going to update and there never do.The reason Im contacting you is because I would like for this company to star reporting my account to the three major credit bureau for monthly updates.
Product: Debt collection

the company didnt provide my information for validation and verification letter.The company didnt provide me proof that i signed for a third or for them to sell my information with my ssn dob and also private information to a third party who i do not know an was not aware of an violated my privacy rights.Also when calling the repersentive threated to have my credit damaged even more and ask me why was I calling if I didnt have the money to pay them why did I call the number an told me that if i didnt pay it that is was gon na remain on my credit and my credit will be damaged if i didnt pay it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

First, I opened a certificate of deposit with CIBC US on XX/XX/24. I got a confirmation email mentioning that my account will start accruing interest once it is funded on XX/XX/24. I just got my monthly statement showing that it is indeed funded, however, there is XXXX interest on it. Seems like a breach of contract to me and I would like to learn why my deposit didnt accrue interest. 
Next, I was not provided an account number at the time of sign-up and subsequently, I was unable to open an online banking profile to access my funds. Additionally the customer service department is unreachable, since I called multiple times, often waiting for 1-2 hours in the hope of reaching somebody. But I was never able to get to a representative ever. So essentially my money is locked with CIBC and I have no way of accessing it, and that is quite troubling. I would like CIBC to address these by letting me access my funds, looking into why my account isnt accusing interest, and if they cant manage my funds then I would like to take my money out.
Product: Checking or savings account

On XX/XX/2021 USAA began blocking access to my account. I spoke to customer service and they told me they need to know my net worth for 'security purposes. ' USAA was not willing to grant me access to my money or my accounts and have essentially stolen my money.
Product: Credit reporting or other personal consumer reports

nquiries be blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$57.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$110.00} XXXX. BANKRUPTCY Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my report that are unauthorized and unverified. I've already contacted the original creditors about these.
Product: Credit card

I am a XXXX credit card customer, and I recently attempted to access past account statements beyond the 18-month limit available online. I was informed that Fortiva charges {$5.00} per statement, which I believe is an unreasonable fee for accessing my own financial records.

I contacted customer service and spoke with a representative who confirmed that the only way to obtain older statements was to pay this fee. When I requested a courtesy waiver, I was denied. I escalated my request to a manager, who also refused to waive the charge, even though many financial institutions provide free digital access or waivers for long-time customers. 

I believe XXXX policy is unfair, as customers should have reasonable access to their financial records without excessive fees. Additionally, I was not made aware of this 18-month limitation when I opened my account, nor was I informed that requesting past statements would incur a charge. 

I am requesting that XXXX  : Provide me with my past statements free of charge. 
Clarify their policy in a way that is transparent to all customers. 
This fee feels like an unnecessary barrier to accessing my own financial history, and I believe XXXX  should reconsider its policy or offer an alternative way for customers to retrieve older statements without a charge.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, pursuant to the XXXX XXXX XXXX XXXX, my wife and Is student loan in the amount of {$XXXX} with ED Financial was forgiven. 
XXXX continues to incorrectly report this account this account as owing {$XXXX} ( The other credit bureaus have removed it. ) I have twice filed complaints with XXXX ( XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX : XXXX ) ) to get the balance removedagain, as the other XXXX reporting agencies ( XXXX and XXXX ) have correctly done. 
XXXX simply doesn't explain why they are the only Credit Bureau that continues to report this incorrectly. 
Bizarrely, when I contact ED Financial in an attempt to get them to communicate, they say they can not locate the account. 
At the point, the only impediment to home ownership is this listing as I was recently declined a mortgage because this account is incorrectly listed as our owing {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2015 Wells Fargo Bank foreclosed on my home and sold it for more than XXXX what was owed on my loan. Wells Fargo outsourced my foreclosure to XXXX XXXX, who filed bankruptcy, closed their doors and went out of business, long before they foreclosed on my home, taking with them more than {$300000.00} in surplus funds from the sale of my home. For more than XXXX months I begged Wells Fargo for the information on how to claim those funds, but they repeatedly failed to give it to me, because they knew that XXXX had gone out of business and did everything they could to conceal that information from me, going as far as to tell me on XXXX XXXX, that I was not owed any money, regardless of any surplus funds. I am terminally ill with a short time to live. I am unable to work and the surplus funds is all the money I have left in the world. Because Wells Fargo and XXXX refused to give that money to me timely, I was not able to afford moving and storage costs and was locked out of my home by the sheriff on XXXX XXXX, 2015 and lost the entire contents of my home also. I am now homeless and living in my car with a XXXX in the summer heat, while Wells Fargo continues to withhold my money from me. Wells Fargo wo n't even take my calls anymore. Once I identify myself to them, they play a recording into the phone telling me they can not speak to me and refer me to their attorney in Iowa. I do n't know how much longer I can survive living in my car at this point and I need help. I am afraid that swells Fargo is attempting to wait this out until I die. My family does n't deserve this and neither do I.
Product: Debt collection

On or around XX/XX/2016 I was involved in an accident was XXXX. Once I was able I immediately contacted XXXX XXXX XXXX in an effort to return their equipment. I was advised that I was " too late '' as 15 days has now passed. 

I explained the situation and still want to return the equipment, but they refuse to speak further with me and instead are poisoning my credit report. 

I do no owe XXXX XXXX XXXX and now they have turned me over to a debt collection company called XXXX XXXX XXXX that is poisoning my credit report and causing me damage in obtaining favorable credit terms and emotional distress. 

I have obtained XXXX XXXX XXXX XXXX on an unrelated matter, but they have advised me they will step in if my efforts to get this taken care of in a voluntary manner fail. 

Along with this complaint I am filing a Complaint with my State 's Attorney General and have been told I have a cause of action under the Arkansas Deceptive Trade Practices Act. 

However the most disturbing is that I want to invoke the arbitration clause in XXXX XXXX XXXX XXXX contract and they refuse to send me a copy of my contract. I have been assured by XXXX XXXX they can compel the production and then I will immediately arbitrate against XXXX XXXX XXXX and their collection agency. 

Please help me get this resolved. 

Thank You!
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX occurred in the unit. I ceased living in the unit, but left my belongings. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Move-out Requested under Texas Property Code 92.016 from XXXX XXXX XXXX XXXX Apartments XX/XX/XXXX Lease at new complex began. 
XX/XX/XXXX I moved my possessions out of the XXXX Apartments. 
XX/XX/XXXX Submission of XXXX for the damages incurred during my XXXX XXXX incident due to conversation with XXXX XXXX about damages to the unit ( windows, bathroom ). 
XX/XX/XXXX Proof of payment of final rent due ( XXXX ) XX/XX/XXXX Proof of payment of additional fee ( XXXX ) XX/XX/XXXX Surrendered keys, after personally doing several repairs to the walls and baseboards. Showed photos of the countertops to XXXX. 
XX/XX/XXXX XXXX of XXXX XXXX for ( XXXX ). 
XX/XX/XXXX Email exchange disputing charges on XXXX XXXX with XXXX XXXX. She claimed that she would contact the billing department and remove the charges. 
XX/XX/XXXX Called the billing department, left XXXX. Received no call back XX/XX/XXXX I received a call from XXXX XXXX from XXXX Apartments on XXXX. 
XX/XX/XXXX I called XXXX XXXX twice, and left XXXX. No call back. 
XX/XX/XXXX I explained the situation, she gave the same amount and was unwilling to remove the balance owed or how I owed the utilities in excess of a security deposit. She ultimately hung up on me. 
XX/XX/XXXX Another call with XXXX XXXX where she wouldnt budge on sending me a revised statement. Email left on read from XXXX XXXX. 
XX/XX/XXXX XXXX XXXX let me know she would send me to collections and wouldnt be sending me a copy of what I owe. 
XX/XX/XXXX I received the first letter from Fair Collections Outsourcing ( Debt Collector ) for {$330.00}. 
XX/XX/XXXX I disputed online. 
XX/XX/XXXX Called debt collector. They verified the amount with XXXX XXXX and said they couldn't do anything because she said the full amount is due. So, they would offer me 10 % discount but the statement I have from XXXX doesn't mean anything because the client wants the full {$330.00}. I called the apartment complex, XXXX XXXX no longer works there, but will contact XXXX XXXX on my behalf that it wasnt a valid debt. I called the debt collector back, they are saying this is a refusal to pay the debt and it will reported to XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my personal credit there are business credit card inquiries that should not be there. 
Experian XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 2021
Product: Credit card

Please see the attached documents. I am asking the bureau to initiate an investigation into these accounts, as I am never late with payments, but they are incorrectly reported as such.