23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is about the consumer credit transaction that occurred on XX/XX/2020 with Affirm, a financial institution, executed by way of signing an Agreement ( Document ). According to 15 USC 6827 ( 3 ), Document is defined as any information in any form.

Under 15 USC 6801, Congress makes it very clear that Affirm has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

In the consumer credit transaction mentioned above, without giving me the opportunity to opt out, Affirm chose to break the law and furnish my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, XXXX XXXX ). 

According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

According to 15 USC 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Affirm admitted to me that they passed my personal nonpublic information to a company named XXXX XXXX ( formerly known as XXXX ). They told me to communicate with XXXX regarding an alleged debt. 

Affirm also failed to properly respond to my request for validation of this debt according to 12 CFR Part 1006 ( Regulation F ). They did not remove the unvalidated account from my consumer report while this account was being validated.

Affirm has broken several laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered account that does not belong to me and is result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the company associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX  handled rental payments for XXXXXXXX XXXX XXXX If you agree to their terms, they pay the rent and you reimburse them in installment payments. 

I moved out of XXXX XXXX in XXXX but they still think I live there and have been harassing me for months to pay the {$700.00} they say I owe. I have told them over and over that I do not owe that and asked them what time period they were referring to. They never responded. 

I told them that if I missed a payment to them that I would have paid directly to the apartment complex, as they have told me to do in the past. I told them that means the rent was probably paid twice, by me and them, and that if anyone owes them money, it would be the apartment complex. They never responded to these allegations and kept harassing me. 

Finally, they crashed my credit rating so I succumbed to their threats and agreed to pay them {$50.00} a month if they would take the bad report off my credit report. I have paid them {$50.00} so far, but they have not taken the bad report off. 

Today I realized I was right - that I did not owe them the {$700.00} - when I got a message from them today that I did not pay my rent last month, which was XXXX. In light of this, and since I can not make them understand that I moved out in early XXXX, I believe I was correct in that I do not owe them anything. I feel like I was blackmailed. 

What can I do? 

Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I n accordance with the Fair Credit Reporting act U.S. Bankruptcy Court XXXX XXXX  account # XXXX, has violated my rights.

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

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 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 XXXXXXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS COMMITTING FRAUD AND NOT FOLLOWING THE LAW. I MAILED SIX REGULAR MAIL LETTERS AND THREE CERTIFIED LETTERS ABOUT THE BELOW LISTED FALSE ACCOUNTS AND THEY HAVE REFUSED TO PROVIDE THE ROOF REQUIRED UNDER THE LAW IN THE 15 DAY TIME PERIOD THREE TIMES. 

THESE ACCOUTNS ARE FRAUDULENT AND THEY REFUSE TO DELETE OR TO PROVIDE PROOF : XXXX, XXXX AND XXXX ALLEGED BANKRUPTCIES XXXX, XXXX XXXX AND XXXX AND XXXX XXXX ACCOUNTS. 

THESE MUST BE DELETED FOR FAILURE TO PROVIDE VERIFICATION OR PROOF AS REQUIRED UNDER THE LAW.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

I have {$7000.00} in crypto currency assets on cash app that I am unable to access. My account is frozen and despite several attempts with customer service over several months I am unable to resolve this case
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX bank : account # XXXX XXXX XXXX XXXX XXXXl : account # XXXX XXXX XXXX : account XXXX XXXXXXXX XXXX : account # XXXXXXXX XXXX XXXX XXXX : account # XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, or personal loan

I received notice from a company called Cash Central in XXXX, Ohio that they will be debiting my bank account by {$210.00} for a loan I didnt borrow.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$1200.00} / XX/XX/2022 XXXX  XXXX XXXX/ {$760.00} / XX/XX/2022 XXXX XXXX  XXXX/ {$2100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX / {$3700.00} / XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX / {$3500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1681 says It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Fact, XXXX is aware that SANTANDER CONSUMER USA accessed my consumer report through XXXX on XX/XX/18 and XX/XX/18 without permissible purpose as required by the 15 USC 1681b ( FCRA ). 

Fact SANTANDER CONSUMER USA acted negligently and willfully violated federal law, which is evidenced by the deletions of the inquiries.
Product: Debt collection

I was served in hand by a Sheriff that I needed to go to court against Jefferson Capital Systems. I had no clue was this was for, I tried to call the company twice. The first person said they couldn't discuss anything with me. ( He never even asked for my information ) the second time I called I left a voicemail for XXXX XXXX XXXX, which her name appears on the small claims notice of hearing. No call back from XXXX so I went to court. When the lawyer for Jefferson Capital called me into a room he wanted my financial information, I told him I needed more information on who the debit collector was, because this is the first time I am hearing about it. He got very aggressive and said that can not be done at this time because a judgement had been issues. ( No idea what that meant at the time ) We go and see the judge, she can see I was apparently mailed information in XXXX of XXXX  and nothing was undelivered. I have received no communication from Jefferson Capital Systems, no mail, no email, no phone calls. This court document has my maiden name on it which I have been married over 10 years. They are asking for $ XXXX but have not provided any documents I have asked her. The lawyer in court said he didn't think he could find the paperwork because it has was bought from another company that is out of business. If it was bought from another company, don't all the files go with it? Since this was entered into judgement, who saw proof of this debit? I have not had a chance to see any documents before being asked for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX cancel the debt and then still say that balance is valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Child Support account currently listed on my credit report that is reporting inaccurate. This account has continuously caused me so much grief. When I first noticed it, it appeared to belong to someone else because the account balance was so grossly high, {$14000.00} and furnished as a collection. When I reported this account back in XXXX of XXXX, the balance was reduced to {$490.00} as of XX/XX/XXXX. This account balance does not reflect the balance of an account I have with the state of Missouri Department of Social Services. On XX/XX/XXXX, I received a signed document from the Missouri Department of Social Services showing that the account that I actually do have has a balance of {$0.00}. However, the report Experian furnished on XX/XX/XXXX, shows an account with a balance of {$490.00}. Then, the same account shows a balance of {$920.00} that was updated on XX/XX/XXXX. I have sent letters in the mail to Experian to try to resolve this matter as I am aware this agency is suppose to have procedures in place that assure they only report accurate information on my consumer report. Instead of correcting the inaccurate, they keep making changes and this is making things worse for me on top of the unneccessary stress. This account is obviously not accurate and should be deleted from my credit report. This is ridiculous! I have attached the letters from the Missouri showing how the information Experian is reporting is, in fact, inaccurate. None of it is the same!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection added to my credit file from XXXX XXXX. It was placed with XXXX   today XX/XX/2020 and with XXXX  and Equifax last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with Equifax and XXXX  and I keep getting an error message. Equifax will not let me get thru the phone line.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX  XXXX  XXXX  XXXX Balance : {$720.00}
Product: Debt collection

Made a payment in full to the law firm that Merchant Acceptance hired as a third party of XXXX in the amount of {$1600.00} ( The payment I was told plus The court fees that was added ). The representative I spoke to XXXX XXXX took all my information over the phone stated that I will receive a paid in full letter as well as the court statement that I paid the XXXX XXXX off in full. Before all of this I have made several attempts to pay off the balance with no luck. Until I was finally able to speak to Mr. XXXX @ XXXX XXXX XXXX XXXX ext XXXX on XX/XX/2020 @ XXXX XXXX. To get the matter taken care of. Now Merchants Acceptance is stating that I did not pay anything. The calls in both offices are recorded, so I do know that I paid the balance in full. All they have to do is pull the phone records plus it shows in my bank statement that a lump sum of money was withdrawn from XXXX who represents Merchants when they are sueing people.
Product: Credit reporting or other personal consumer reports

My account with creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Ingo Money App ( infomoney.com ) is a shell company created by XXXX XXXX XXXX XXXX ( XXXX ) that provides mobile/online check-cashing services via mobile app. My tax refund check was stolen out of my mailbox and fraudulently cashed using the Ingo Money App in XX/XX/2017 by an unknown person. I have contacted both the XXXX XXXX and Ingo to  obtain a refund of the money ( {$850.00} ) they facilitated the theft of and both have refused to provide restitution. When I called to inquire about the " customer '' who cashed the check in my name, Ingo admitted to having the thief 's email address and phone number but would not release it to me without a subpoena. Ingo also admitted that they do not require any identification whatsoever to cash checks. Their website advertises the option to cash checks into any form of cash that can not be traced back to the casher, such as XXXX gift cards. They also advertise that should a check be returned as unpayable, the casher will not be fined or penalized. Their business model is geared toward appealing to identity thiefs and scammers and they need to be stopped. To date, I have not been made whole for my stolen tax refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Product: Credit card or prepaid card

Fraudulent entity applied for a CapitalOne Bank credit card using my name and address.
Product: Checking or savings account

I HAD AN SECURED CREDIT CARD WITH DISCOVERY BANK. THEY CLOSED MY ACCOUNT WITHOUT ANY NOTICE DURING THE COVID-19 ERA. I JUST SENT DISCOVERY BANK A {$500.00} DOLLAR MONEY ORDER REQUESTING TO REOPEN MY ACCOUNT AND WAS TOLD THAT I HAD INCURRED A LOT OF LATE FEES AND THEREFORE THEY WOULD NOT RETURN MY {$500.00} DOLLARS. I WAS NEVER GIVE ANY NOTICE OF LATE FEES AND PURSUANT TO THE CARESS ACT, THEY WAS NOT ALLOWED TO CHARGE ME ANY LATE FEES. THIS IS THE FIRST TIME THAT I WAS TOLD THAY I OWE LATE FEES!!