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

Buy Now Pay Later loan would Prove to be Unmanageable. 

Was approved for an Affirm, buy now pay later loan through XXXX 's checkout as a option to pay for {$100.00} order successfully placed on XX/XX/22. 

I was welcomed into the Affirm family of products and service where transparency, flexibility, and fairness is key to their brand and mission. https : //www.affirm.com/how-it-works/why-affirm. 

Received a friendly reminder notice in my inbox on XX/XX/22 informing me of my first payment date. 

Displayed in the body of message was the current payment amount, due date, and the only time I would see a remaining balance associated with this loan. 

To accomplish most if not all tasks on Affirms products and services online will require logging into an established account to manage your loan, request documentation, or respond to support request. 

I was not able to setup my account due to complication in Affirm 's account records. 

A call to Customer Support at XXXX XXXX ( the only number that is available to contact Affirm ) on XX/XX/22. 
I was told that the account connected to my loan was under the name and number of a different party. They would not offer details on the account beyond that. 

Customer service would only offer to escalate my request to the next level and make a promise to me a for a call back within 3-5 business days once a solution was found. I would never received that or any call from Affirm ( for anything ).

I made my next 4 payments on time and in full over the phone with Customer Service. Each time spending hours on the phone with customer service getting nowhere. 

I made a request for help setting up an account to manage my loans, asked for receipts, loan balances and due dates to be sent to my addresses at each conversation. 

I never received a call, statement, payment receipt, loan balance or payment schedule for this loan. I was never granted access to an account to manage my loan or offered a resolution for my many support request. 

Affirm failed to be transparent, fixable and fair on all matters associated with this loan.
Product: Credit reporting or other personal consumer reports

I sent several letters to remove old address and Job information off my credit report
Product: Credit reporting or other personal consumer reports

On XXXX, we renewed our home equity loan with XXXX XXXXXXXX XXXX  The loan documents shows our ( equal consecutive, not variable ) monthly payment is {$940.00} commencing on XXXX. 
In XXXXXXXX XXXX XXXX, I noticed that my XXXX, XXXX and TransUnion reports all show that our monthly payment is {$7200.00}. I immediately called XXXX XXXXXXXX XXXX to complain and was told that " it will be corrected ''. 
In XXXX, I checked all 3 reporting agencies and saw that the monthly payment was still showing {$7200.00}. Since the phone call didn't work, I decided to go into the XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX, NC ( I thought this was the local XXXX at the time ) and shared screenshots of my credit reports etc with XXXX XXXX. She assured me that the problem would be resolved and to check my credit reports again in XXXX because it will take time for the problem to be corrected. 
Since my monthly statements from XXXX XXXX were " consistently inconsistent '' ( some months showed I owed {$940.00}, some showed {$890.00}, {$980.00} or even {$150000.00} ), I usually go inside a local branch or call ahead to find out the actual amount I owed that month. In XXXX, I called the XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX, NC ( my local branch ) to ask how much I need to pay and was told " my screen shows that nothing is owed until XX/XX/XXXX. I assumed that my in-person conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX location had caused them to " make adjustments '' or whatever and that nothing was owed that month. I said " ok, I'll see you guys in XXXX ''. 
On XX/XX/XXXX, I paid {$980.00} at the local branch. The very next day, I decided to check my credit reports on XX/XX/XXXX and it showed that my XXXX payment was 30 days past due! I knew that my phone complaints were getting no results so I started calling XXXX XXXX ( VP at the XXXX XXXX XXXX ) to try and get an in-person appointment with her. On XX/XX/XXXX, I went into the XXXX XXXX branch and paid {$1000.00} towards my loan ( because the teller was unable to figure out how much I owed ). While I was there, I made an appointment with XXXX XXXX for the following day. 
On XX/XX/XXXX, I met with XXXX and I brought her screenshots of my credit reports. She called the " loss mitigation department '' and spoke with XXXX XXXX. XXXX explained BOTH credit reporting issues to XXXX XXXX still showing the monthly payment of {$7200.00} AND 30 days past due payment for XXXX even though the teller at her branch told me " no payment owed until XX/XX/XXXX ). 
XXXX and XXXX looked at my account together and concluded that in addition to the {$980.00} payment I gave them on XX/XX/XXXX and the {$1000.00} payment I gave them on XX/XX/XXXX, I would need to pay another {$850.00} to bring my account status to current. I paid the {$850.00} due 3 days later on XXXX XXXX. 
As you can see, these numbers are " consistently inconsistent '' and I never know how much is actually due until I go inside a local branch and ask them to look it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.
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The only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one. While I do now understand that there is a fee associated with the Security Freeze, I am more interested in the derogatory information being reported on my credit report.
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I have not received any more communication from TransUnion regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Zion Debt Holdings orginal creditor : XXXXXXXX XXXX XXXX  XXXX For {$650.00} I do not own this company anything. The original creditor had sent me detailed info on this account years ago. I sent in the info to all 3 credit bureaus and had the account removed. Years later its showing up on my credit report bought by Zion Debt Holder. Ive disputed with XXXX and XXXX and they removed it. XXXX refuse to delete this account and keep up ding my info as verified. Ive asked them to send me proof and method used to verify and also requested that the creditor send me the original contract with the bill detail and my signature. They refuse! I have a perfect credit profile and XXXX reporting this inaccurate information about me is damaging. I wouldnt mind the reporting if it was accurate. The name and address was reporting incorrectly on the account also. I pointed that out and all XXXX did was updated my info and refuse to delete the negative inaccurate reporting of the creditor.
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 a redress for these violations.
Product: Credit reporting or other personal consumer reports

A new address appeared on my credit report that I'm not associated with. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have no knowledge or relation to this address
Product: Mortgage

Our mortgage was sold to Mr. Cooper in XXXX of XXXX. In the summer of XXXX we got notice that a reassessment resulted in an increase from {$1400.00} to {$2000.00} a month due to a tax increase. In XXXX we also received notice from XXXX XXXX that our tax payment was late and assessed fees. I contacted Mr. Cooper on numerous occasions, I have the email strings for the contacts. It took months before they would fix the assessment and Im the one who had to contact the city to verify my taxes did not go up. our monthly mortgage is now {$1500.00}. However they will not credit the escrow account for the {$500.00} plus in late fees, penalties and interest. They said they are waiting for XXXX to verify the amounts. However Ive provided the information by email from XXXX XXXX many times.
Product: Credit reporting or other personal consumer reports

I contacted Experian on numerous times regarding my credit report to no avail, always came back verified when it should of not. then just recent in XX/XX/year> I asked again and they updated my report with charge Offs and it tanked my score and because of this I lost some credit cards or limits cuts they made it seem it was recent and in fact it was over XXXX ago -- the companies are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company was closed and paid in full before charge off but it states closed charge off. they will not delete these obsolete accounts all they do is keep updating them and ruining my credit. I Want Experian to delete these misleading and incorrect accounts as soon as possible
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX BANK XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX  {$3100.00} XXXX  XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX XXXX {$790.00}
Product: Credit reporting

In XXXX, I was hit with a massive Identity Theft. Someone put aXXXX dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX CountySheriff office and they sent me to the District Attorney in XXXX County - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX, Equifax, and XXXX.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -XXXX did not respond - in the meantime I notified allthree credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX collapsed and theywere overwhelmed. 
In any event, every one of the late accounts and lienare still on my credit reports - I called the SuperiorCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % ona car loan x XXXX yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least XXXX years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI
Product: Debt collection

I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.
Product: Debt collection

This is not my account and I have no knowledge of it I have filed numerous reports about identity theft.
Product: Checking or savings account

Navy Federal Credit Union recently revoked my debit card privileges in XX/XX/XXXX. There explanation provided to me by a XXXX was due to XXXX XXXX claims filed 6 months time frame. I opened my account with Navy Federal Credit Union in XX/XX/XXXX. My first fraud claim filed was on ; XXXX {$1300.00} XXXX {$1100.00} XXXX {$240.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$270.00} The fraudulent filed claim was reported immediately, and approved by NFCU. The next Fraudulent claim reported to nfcu was on XXXX {$1100.00} & XXXX {$240.00}, which was denied by nfcu. I reported claim XXXX {$240.00}, which was a continuation of left off unauthorized charges day before, however, it was resulted in a new fraud claim. The last XXXX fraudulent claims filed on XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, was approved by NFCU. Only XXXX fraud claims were actually accepted and approved by NFCU. XXXX of the claims filed XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, are within 6 months time frame. I filed a appeal on XX/XX/XXXX, I provided NFCU a copy of a police report, FTC Identity Theft Report, IRS XXXX XXXX, appeal was denied, which Nfcu XXXX not notify in writing or email. Under the XXXX If you suspect there have been unauthorized transactions involving your accounts, it could be a result of identity theft or a lost or stolen debit card. In these cases, you have recourse under the XXXX. Notify your bank of a lost or stolen ATM or debit card right away. You are no longer responsible for unauthorized use of the card as soon as you report the loss. If you report a lost or stolen ATM or debit card within XXXX days, the XXXX limits your liability to {$50.00}. If you report the loss within 60 days after your statement is mailed to you, you could lose as much as {$500.00}. I have an over draft protection on my account, that I usually have 30 days to bring current, since my debit card privileges has been revoked, NFCU recently sent me a letter informing me that I had to bring my account current by XX/XX/XXXX. My account has only been in a negative status for less than a week. This is unfair and unjust discrimination by NFCU. 

If you dont report a loss within 60 days you risk unlimited loss. 

Once notified, the financial institution has XXXX business days to conduct an investigation of the claim. The institution must tell you the results within XXXX days of concluding its investigation. If a mistake was made, the institution must correct it within XXXX business day. Occasionally, banks can take up to 45 days to conduct the investigation, but in these cases, the bank has to give the disputed money back to you until the process is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Debt collection

In XX/XX/year>, XXXX was managing my account. They had the wrong debt amount and informed me they would submit a dispute to confirm the correct balance. However, I never received a follow-up regarding this dispute or any resolution. In XX/XX/year>, my account was updated as a charge-off on my credit report, even though the dispute remained unresolved. In XX/XX/year>, XXXX sent me an email stating that the account was being returned to Sezzle. However, when I logged into my account after this point, it still reflected that XXXX was managing it, creating further confusion. 

This lack of clarity and mismanagement directly impacted my ability to resolve the account in a timely manner. While I acknowledge the debt, I believe Sezzle has a responsibility to address the harm caused by these communication failures. I am requesting that Sezzle investigate the handling of my account, remove the charge-off status from my credit report as a goodwill adjustment. 

I have made multiple attempts to resolve this matter with the company through phone and email. While I am willing to pay the debt in full, I want assurance that the negative mark will be removed from my credit report upon payment. The company reported the account as a charge-off during an unresolved dispute process, and at the time, the account was no longer being handled by them. This mismanagement, coupled with their lack of clear communication and accountability, has unfairly damaged my credit score.
Product: Student loan

On XX/XX/2022 I submitted my annual verification form for the PSLF program and received a letter from MOHELA dated XX/XX/2022 stating my paperwork would be processed within 10 business days. It is now XX/XX/2022 and the paperwork is still pending. I have tried to contact MOHELA multiple times - once using the " contact us '' messaging system available on their website and 4 times by phone. I have not received a response as of today from their " contact us '' form. Phone calls are met with extended hold times of multiple hours. These phone calls will disconnect automatically prior to the end of the estimated wait which then requires one to redial. I have as of yet been able to speak to a phone representative due to this issue.
Product: Debt collection

On XX/XX/XXXX2021, I noticed an account on my credit reports that I did not recognize from Spring Oaks Capital LLC. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent Spring Oaks Capital LLC a letter to validate the account. I have a certified return receipt that was picked up on XX/XX/XXXX. In the 30 days that followed I did not receive any documentation validating this debt. As of today, XX/XX/XXXX I have not received any documentation validating this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information. 
The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint. 
Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX  XXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
TransUnion : 30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX