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

A hacker ( s ) started to charge my credit card starting XX/XX/. I saw total of 10 transactions until XX/XX/, so I notified my credit card to close the account and replace my credit card. I notified Affirm.com about fraudulent charges, however, they insist the could not provide any information even though they were charging my card since I do not have their affirm.com account. 

I notified those fraudulent transactions to affirm.com. They asked my name, phone number. I informed them I never gave them, and I will not give them, the authorization to charge my credit card. 

My credit card company reversed the transactions, however, Affirm.com kept charging me and reporting them as unpaid obligations to credit score agencies, so my credit scores tanked. 

Affirm.com is practically protecting the hackers personal information and their profit motives but they never intend to protect the fraud victims financial well being. I should have the right to know every information related to all the charges against my credit card accounts, and Affirm.com should be held accountable for not stopping or preventing illegal charges made by their subscribers. They should be obligated to prevent and eradicate fraudulent transactions by providing all the information victims need to protect their financial securities. Thank you
Product: Credit card or prepaid card

In XXXX of 2018, I purchased a tv from Bestbuy and was convinced by the employee to open a bestbuy credit card for the purchase. So I was approved and I put the tv on the credit card because the employee said it was a zero interest credit card. Fast forward two years and I was hit with over {$400.00} in interest ( I only owed around {$200.00} left on the tv and never missed a payment ). Apparently the cards zero interest was for a promotional period for 24 months. The 24 months ended and they hit me with all of the interest that wasnt added in the first 24 months. I called and spoke to a representative and she essentially said from now on moving forward, I know what happens with their card. When I asked if she could please waive the interest because I had absolutely no idea that the interest would be added, especially considering Ive never missed a payment and could have paid the tv off in full months ago if I had known, and she essentially told me too bad. This is ridiculous. They should have at least notified me that the promotional period would expire soon so I could go ahead and pay it off. Now Im going to have to pay this extra {$400.00} I dont have, to make sure my credit isnt ruined. Please help me.
Product: Debt collection

UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXXXXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXXXXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH EQUIFAX SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B    XXXX   AND  XXXX   XXXX  HAVE REMOVED THE FRAUD ACCOUNTS BUT EQUIFAX HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the police report and the order from the judge to have the fraudulent information removed from my credit file to Aargon collection agency, and was told by the supervisor it will remain on the credit file even though it does n't belong to me. I indicated to the supervisor, by law it has to come off the credit file because it is n't my debt. It has been a month and it 's still displaying on my credit file. It is on all three credit reporting agencies. Please have this removed from my credit report, and conduct an investigation into this collection agency for illegal activity.
Product: Payday loan, title loan, or personal loan

On applying online for an installment loan with SPEEDY CASH on XX/XX/18, I was told to go to my local store in XXXX XXXX CA, which I did on XX/XX/18 ; this after calling the store to inform them that my ID was New York issued with a California address, to which I was informed would be " no issue at all '' for approval. On arrival to the store, low and behold, the staff wasted an hour of my time calling in to their center, informing me that they could not help me in store due to my ID ( which I had explained the issue of in depth before going to the local store ), but that I would be approved via the phone number given my income and other credentials. So, I phoned the XXXX staffed line and the agent pulled me up, ran my information stating that my NY ID would be of no issue, and then stated I was declined with no reason given - but then told me I would " probably '' be approved in store! She stated I would receive decline reasons via email, but the only email I received stated once AGAIN to go in to my store for approval. SpeedyCash has wasted a great deal of my time and money today, and I am in need of immediate assistance from an executive level employee. 

This has been a terrible experience, bordering on what I view to be a scam, as now these stores and agencies have all of my personal banking information, debit card information and ID, only to tell me I was not approved for which is likely the issue with my old NY ID ( I have just permanently relocated to California after a long school stint here and do not have my CA ID yet, though have my vehicle registration and proof of address here in California, which was requested prior to me going in to the store ). 

I am extremely dissatisfied and require immediate executive level intervention to get this loan approved, as stated by staff. I am requesting immediate executive level assistance in aiding me in the approval of this loan. Please reach out to me urgently at XXXX to discuss resolution to this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has 1000s of these XXXX complaints That clearly defy the fair credit lending act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX was chapter XXXX bankruptcy which included students loans from the Department XXXX XXXX XXXX XXXX surprisingly the courts approved XXXX  XXXX bankruptcy to included my students loans. However were never removed off my credit report. 
Second XXXX  is still reporting negative marks off my information which I should be removed since XXXX. 
Multiple companies continue to pull inqury every month without my authorization paylease please remove it opens and close inqury twice a month for 3 years
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report as a result of identity theft stemming from a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked and permanently removed from my credit report. 
Fraudulent Accounts to Block and Delete : XXXX. XXXX  XXXX - Account ID : XXXX  - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$110.00} XXXX. XXXX  XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$230.00} XXXX XXXX XXXX  - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$590.00} XXXX. XXXX XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$340.00} XXXX. UNAUTHORIZED COLLECTION - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$1800.00} Unauthorized Inquiries to Remove : XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Barclays Bank Delaware, Dear Barclays Bank, XXXX Credit Card XXXX I am member since XX/XX/2018 and I had a credit line {$3500.00} .I am maintain account good standing and I am paying bills on time.

Your bank Credit line reduce up to new line of {$1000.00}. I am really disappointed and not happy done this.

Please reconsider my request and granted my credit line back to {$3500.00} Thank you XXXX XXXX XXXX
Product: Mortgage

On X/XX/2017 My Legal Representatives sent both Wells Fargo Bank and XXXX XXXX XXXX. All the necessary paper work to stop the sale. Both XXXX and Wells Fagro Bank said that could not talk to my Legal Representative since they have not had 48 hours notice. They were sent the Thrid Party Authorization form but were told they have to wait the 48 hours. Now my home has been sold to a third party and still Wells Fargo refuses to work with me. I have asked for a loan modification but I was told that I make to much money and that they could not help me or would not help me. When I spoke to XXXX XXXX XXXX they told me that they did not receive any of the paper work from my Legal Representative. I tried to make the some of the payments thinking that they would work with me but they turned me down. I forgot to add that was never given a chance to see if I could get a re installment quote from them. They denied me at every turn. Which I feel is very illegal.
Product: Student loan

It seems in XX/XX/2023, EdFinanical sent either a letter or an email to me indicating that they were changing their systems and as such had created a new account number for me. I don't remember receiving said letter/email but I admit I might have missed it. I can't tell you if it was a letter or email but I have been told by the company that I have gotten both but they can't provide a copy of it. Because of this missed communication, my payments from XXXX, XXXX, XXXX, XXXX and XXXX have not been applied to my account. I discovered this on XX/XX/XXXX and called the company and was told, if I could provide proof of the payments they could put in an escalation to process my payments faster. I faxed over this information on XX/XX/XXXX and called again on XX/XX/XXXX to confirm receipt. I have called back several times asking for a supervisor because all the call reps can tell me is that payments will be applied within 120 day ( sometimes 120 business days ). I got a call back from the supervisor and she was also going to escalate it. I didn't hear back from her again. I then sent a letter to the CEO and put in a complaint with the XXXX  so then the call reps wouldn't talk to me to except to say that a response would be sent. The response was be patient we have the records for your XXXX thru XXXX payments and they would apply them as quickly as possible. I responded to that complaint with they were missing my XXXX payment and they haven't replied. I called last week and requested a supervisor call me back. I never received a callback. I have also requested a copy of my full payment transcript as they changed systems and I no longer have access to that information. I have never received that information either. It is now past the 120 days for the XXXX payment and it still hasn't been applied. I don't understand why it is taking so long to apply electronic payments when I have provided them with the dates, amounts and tracer numbers. I have also been told that they never sent out any additional letter/emails when they received payments with bad account numbers. They now have {$850.00} of my payments that they have yet to apply and their only response is be patient. I am tired of being patient and talked down to because they didn't bother to create a system that when payments were received with an old account number on it that they could easily find the new account number. I am also tired of being patient when I have provided them the information that they requested, are ignoring it. All I want is my payments to be applied in a timely manner and at this point XXXX from the date each payment was made is too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax today ( XX/XX/2020 ) by telephone to unfreeze my credit. I went through 8 minutes of recorded questions and provided appropriate responses including my cell phone for a code. No code was sent to my cell phone. Ultimately told to contact Equifax by U.S. mail.

I then tried to use the Equifax website, but Equifax would not provide me with access to re-set my password of which I have no record. Equifax 's site said it would provide me with a link to resent my password via email, but never sent me an email.

Not only did I waste twenty minutes with this incompetence by Equifax, I am unable to unlock my credit report. No excuses. This is unacceptable conduct for a credit reporting agency which I am forced to deal with against my wishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 1.XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2.XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX XXXXXXXX Account Number : XXXX Please remove it

from my credit report. 5 .XXXX Account Number : XXXX Please remove it from my credit report 6.XXXX Account Number : XXXX Please remove it from my credit report.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3100.00} and XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2019 I have been reaching out to the credit bureaus regarding accounts that have been added to my credit report as a result of fraud. I did not create or use these accounts and should not be responsible for paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of 15 U.S.C. 1125 ( a ) Complaint Against : 1. XXXX 2. Equifax 3. XXXX Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies XXXX, Equifax, and XXXX for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : 1. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
2. Equifax : Reporting a balance of {$17000.00} on forgiven student loans.

3. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX, Equifax, and XXXX correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX  them to please get this strainghtened out now. They notified me there is no deferment  and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They still dont let me see or get my credit report : : : ,seems to me they dont want to fix it, unless I subscribe to monthly paid plan they offered???. I dont have any loans, or any mortgages nor do I have any car loans or payments : : : and they keep asking me this questions in order for me to sign in and print my credit report ) ) ) please help ....