23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Affirm regarding an inaccurate report of a 30-day late payment for XX/XX/year> on my account number XXXX. This information has been reported to the credit bureaus and is adversely affecting my credit score.

I have always maintained timely payments on this account, and I believe that the reporting of a 30-day late payment is incorrect. I request that the CFPB intervene in this matter to have the inaccurate late payment removed from my credit report. It is crucial that my credit report accurately reflects my payment history, and this error must be corrected to prevent further damage to my creditworthiness.

I have attempted to resolve this issue directly with Affirm but have not received a satisfactory response. Therefore, I am requesting your assistance in rectifying this matter and ensuring that the 30-day late payment for XX/XX/year> is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXXThis item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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 redress for the violations!!
Product: Vehicle loan or lease

I recently purchased a XXXX and the loan is financed through Chase. I went to enroll my online account and it had incorrect information for my email and cell phone so I could not authenticate online. I called Chase a few days later and they stated they had updated my information ( email and phone ). I tried to pay my bill and I get an error message on the website, I tried for a week to get the website to work, and kept getting the same error message. I called Chase, they said they don't know what the issue is, but she said she reset my account and had me try to login on two different computers, but it did not work. She transferred me to another agent who stated the website was down and try again in XXXX hours. I attempted to login again and have the same message. I called Chase again, they transferred me to the auto loan department that was closed. I called back, and they again transferred me to a closed auto loan team. We had asked to pay over the phone before the transfer and the agent did not offer to process the payment before the transfer. 

This was on the due date of the loan XX/XX/2022. I had tried for weeks to get everything setup and could not do so. I attempted to login again today and have the same error message. I was able to get to the auto loan XXXX and setup a payment, that is 1 day late at this point. The website still does not work. The agents are still attempting to authenticate me using the outdated data for my phone and email. I don't want this to show as a past due on my account or credit.
Product: Credit card or prepaid card

I sent a letter on XX/XX/2013, attempting to close a secured VISA credit card account. The card was secured by a special savings account designated for that purpose and contained {$400.00}. The balance on the credit card was {$390.00} and was current at the time. The bank has since charged interest and late fees causing the balance to rise to {$430.00}. They have placed the account in their collection department and are telephoning me and emailing past due statements. They are also reporting my account to the various credit reporting agencies as past due. I have tried to resolve this matter in writing and by calling their customer service department. The person I talked with on the phone says that the {$400.00} is simply not a deposit but a credit line. She would not accept the fact that it is money that I deposited and refused to help me. I am XXXX and XXXX. I can not go to a local branch because there are lines and I can not stand in line to wait. I have XXXX XXXX XXXX XXXX and recently had XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I saw unauthorized inquiries on my credit report this morning with no clear reason. When I checked my report as I normally do, I was shocked to see discrepancies that seemed to appear from nowhere. I refreshed my browser hoping it was a glitch, but the inquiries were still there. Because of this, I am requesting an immediate review of the documents I sent to eliminate this problem and prevent future issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Money transfers

I 've been a member of PAYPAL and Ebay for over 12 yrs. They have a policy/agreement that is to pay instantly to my account if I have a certain amount of sales. I have had more than enough to qualify and for years Paypal has instantly put my Auction sales in my accessible funds. Today I sold over XXXX items on Ebay and Paypal made all except XXXX available. So I called to find out why a hold was on it. XXXX Paypal claimed it was because of an shipping number when the label was paid for through Paypal w/ the tracking #. Then they claimed it was because of algarhythym and the computer is treating my account like a new XXXX so I will not get my funds as per their agreement and that although they verified the tracking and that it is an " As Is " No return ad in the auction I still have to wait until 3 days after the person gets the item or 21 days before they release my funds.
Product: Credit card or prepaid card

XXXX / XXXX / XXXX  : Purchase  XXXX    XXXX   XXXX   E-Gift card through  XXXX , each card worth {$50.00} store value. Seller -  Paypal Digital Gifts.       XXXX / XXXX / XXXX  : I found out  XXXX  of my   XXXX   XXXX   E-Gift card got  XXXX  balance, I tried to contact   XXXX   XXXX   and  Paypal Digital Gifts,  they both  XXXX  the problem back and forth. I called   XXXX   XXXX   and get the transaction detail of thoes  XXXX  gift card, which will list below  XXXX / XXXX / XXXX  -  XXXX / XXXX / XXXX  : My   XXXX   XXXX   E-Gift card was used by someone else located in Florida, where I am a resident in Minnesota the whole year.
Product: Mortgage

I received from my mortgage company a statement of my Escrow Account Projection for the coming year in the mail the end of XXXX XXXX.that 's when I noticed that my mortgage payment had increase {$170.00} dollars more than it was so I decided to call to see why my mortgage has change I was told that my city taxes has increase from {$9.00} to XXXX and I need to find out from my city taxes department why the increased. I called my city taxes and I was informed that my city taxes didn't going up. So I called my mortgage company back informing them that my city taxes company said that my taxes did not go up and the responds to me was what they paid the city and that my escrow account was low. Then the mortgage company asked can I get a copy of my city property tax paper to send to them and they would work on resolving the problem with my mortgage increase. But as of today XX/XX/19 they have not fixed my mortgage payment and had to paid them for 2 months mortgage and put money in my escrow account because their pay by phone services did not apply my money to my account and I was not informed or notify until I called them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 with my written instructions.
Product: Credit reporting

I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries need to be removed from my TransUnion credit report. These are not mine. I am a victim of fraud and identity theft. These were done fraudulent. Please remove them from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

Information was put in my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan early, to American Honda Finance ( AHF ), via an online payment ( ACH ) of {$3400.00} approximately, from my Bank of America checking account on XX/XX/XXXX. Per Bank of America ( BAC ), they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our BAC checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from BAC of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or BAC become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad XXXX XXXX XXXX drop Of XXXX points XXXX, and still unresolved problem.
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 XXXX {$480.00} XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$110.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$170.00} XXXX. XXXX XXXX = {$950.00} XXXX. XXXX XXXXt = {$300.00} XXXX. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Opened XXXX Credit Card in XX/XX/XXXX. Rec 'd statement {$420.00} XX/XX/XXXX with due date XX/XX/XXXX. Paid on-line via XXXX XXXX, in which a XXXX send a check Tues XX/XX/XXXX which was delivered on my requested date of Fri XX/XX/XXXX in the amount of {$420.00} ; however, XXXX choose not to cash the check until XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX after receiving a statement for {$450.00} ( {$25.00} late fee and {$9.00} Interest charge plus the {$420.00} ), unable to access a customer rep I closed the acct. On XX/XX/XXXX I called Customer Service XXXX and explained to 6 different customer reps ( in which 3 times the reps hung up on me ). That my payment was made timely and I should not be liable if they failed to cash the check and post to my account. I was informed that since the acct was closed I had to made the payment, when questioning how they could credit my account if it was closed they couldn't answer only that the payment had to be made regardless. I have contacted XXXX and was told a check was sent XX/XX/XXXX and I printed payment details reflecting payment delivered Friday XX/XX/XXXX. I pay all my bills on-line ( credit cards, util, etc and never had any late fees. I plan to the {$34.00} late fees however, I wanted to be reimbursed.
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX I sent a letter to Experian along with a copy of my drivers license and social security card regarding two capital one accounts that they are reporting inaccurate information on my credit report. They didnt do a proper investigation instead they sent me a letter in the mail saying the letter wasnt sent by me when in fact it was sent by me. I dont know why they would say that when I sent the letter I even attached a copy of my social security card and drivers license as proof so on XXXX XXXX I requested a reinvestigation on the same two capital one accounts and I highlighted the errors attaching my credit report with them highlighted. I sent a letter to Experian with the tracking number attached to this complaint as well as I am attaching a copy of the letter I sent to them. They have failed to reinvestigate these accounts in which This is really stressing me out because I am having sleepless nights due to their inaccurate reporting and it is causing damage to my credit report. I am attaching everything I sent them to this complaint and would like this looked into asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Validation or Removal of Disputed Account MRSBPO ( Original Creditor : Spectrum ) Dear [ XXXX, Experian, XXXX ], I am writing to formally dispute and demand immediate validation of the XXXX account ( Original Creditor : XXXX  ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$170.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Account Status : Derogatory/Collection/Chargeoff I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information reported. In accordance with the FCRA, I request that you validate this account or remove it from my credit report. Specifically, I demand : Original documentation proving that I authorized the opening of this account. 
Records showing any payments or transactions made under this account. 
Verification from the original creditor, Spectrum, that I am responsible for this debt.

The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g also mandates that any collection agency must provide validation of a debt when requested. Reporting unverified or inaccurate information constitutes a violation of both the FDCPA and FCRA.

Moreover, 15 U.S.C. 1681s-2 ( b ) requires that the credit bureau must stop reporting the disputed account until it is verified. If you can not provide verification of this account, I demand that it be removed from my credit report immediately, as is my right under these laws. 

Please provide written confirmation of your investigation within the 30-day period as stipulated by law. If this account is not validated or removed promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent {$200.00} toward my BJ 'S PEERKS MASTERCARD. on  XX/XX/2020 I only got credited for {$100.00} I am in BJ 'S Hardship Program which now I consider just a Title they came up with, because they still add on Interest and Late Fees, When I told a Representative named XXXX she said : we don't have to go by your Governor 's Executive Order of not adding on Interest charges and Late Fees. Then it got into a heated argument and I cussed at her, and told her, : I will see a Bankruptcy Attorney in order to File for Bankruptcy and they will not get the Balance. As BJ 'S just is not working with me paying off my balance. My Balance was {$4300.00} as of XX/XX/2020 as of XX/XX/2020 my Balance jumped to {$4500.00} BJ 'S MASTERCARD added on {$38.00} RETURN FEE from XXXX XXXX XXXX. Even though I was calling in the payment by telephone BJ 'S was not properply crediting me my payments.They also added on {$38.00} in Interest charges that they were not supposed to. They not only not working with me with the Hardship Program THEY CLAIM I'M In. But They add on these additional charges and go against the Executive Order of our NJ Governor XXXX XXXX.Therefore. I will see a Bankruptcy Attorney and he will file for Bankruptcy in my Name. I wrote at least 4 Letters trying to resolve this but they BJ 'S MasterCard will not work with me. And does not apply Credits as payments. I was Corresponding with the Card Issuer Comenity Capital Bank XXXX XXXX XXXX XXXX, Ohio XXXX My BJ 'S HARDSHIP PROGRAM was Set up by XXXX Her Phone Number Is : XXXX EX. XXXX BJ 'S  Payment Address Is : BJ 'S Perks Mastewrcard XXXX XXXX XXXX XXXX XXXX TX XXXX Customer Service XXXX