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

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax reporting a debt that is not mine. Collection company failed to provide debt verification documents,
Product: Debt collection

good evening the debt is not owe the account is XXXX XXXX XXXXXXXX date XX/XX/XXXX next account XXXX XXXX XXXX XXXX XXXX, next account XXXX XXXX XXXX XXXX date XX/XX/XXXX. never do bussiness with these company under the rule of Law information should by private under section 602 rule please delete these account from my creadit file please thank you very much
Product: Credit card or prepaid card

We didn't make the following purchase, however, Citi bank denied our claims. 
XX/XX/2022 $ XXXX # XXXX XXXX XXXX  XX/XX/2022 $ XXXX # XXXX XXXX XXXX  XX/XX/2022 $ XXXX XXXX  # XXXX XXXX XXXX XX/XX/2022 $ XXXX # XXXX XXXX XXXX The reason for citibank to reject our claims is that their investigation indicated that the transactions were made at a chip-enabled card reader. Our cards were with us, and we physically stayed in the XXXX for the month of XX/XX/2022, and we can provide proof of that. We never made the transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. 

XXXX XXXX XXXX Account number XXXX I looked at my Experian report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it XXXX follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual 15 USC 1681 ( e ) ( b ). 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g validation is requested from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother gained acess to my XXXX XXXX with the prior companies I worked for I cant find it. XXXX XXXX, XXXX , XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting

Used the best category list above. My credit card XXXX XXXX XXXX XXXX determined to reduce my credit limit from $ XXXX to $ XXXX as a result of non-activity ( use ). The information was reported to Experian ( my credit monitoring service ) and then I was notified that my credit score had been reduced as a result of XXXX XXXX 's action. I was not delinquent, and the balances had been paid for over a year. My compliant is against the algorithms used by Experian that uses the information as a negative that reduces my credit score as a result of my decision to be as debt free as possible using cards as a second alternative. The US government talks about the debt of America then we get penalized by the credit bureaus based their calculations of a score. I am now rated in the " good '' credit category rather than the " very good category '' for actions of the credit card. The credit score is the basis of better interest rates to buy goods and services and it is collusion between the credit card companies and credit bureau in their algorithm derived score that pushes more use of credit by XXXX XXXX XXXX XXXX for non use of the card and Experian for the actions of not using the credit cards derive fees and interest charges. THE FTC needs to investigate the algorithms that is affecting US citizens such as this where are rendered powerless XXXX. Obviously now that I am just a good credit customer, XXXX XXXX and other credit facilities can not charge me more interest based on the actions XXXX and not based on my consideration to pay cash for fertilizer and flowers, etc. When I do not pay my bills on credits based on the conditions I expects the actions XXXX to be reflected accordingly. However when I who have expressed my history of being credit worthy but by the actions of XXXX XXXX and Experian, I have no consumer power to use credit and debt free in the best manner. THE FTC should review all credit bureau algorithms to ensure it maintains independence and fairness with its reporting of information and now so important Credit Score that drives how we obtain and pay for things in the marketplace. This would great for " 60 Minutes ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is still reporting a credit card on my credit report that has already been paid off and closed. This account is old and should be removed from my report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unverified Account XXXX XXXX To : TransUnion XX/XX/year> Regarding : XXXXXXXX XXXX Account XXXX Dear TransUnion I am writing to formally dispute an inaccurate and unverified account that XXXX XXXX has placed on my credit report. I previously requested debt validation from XXXX XXXX, but they failed to provide proper verification of this debt. Instead, they only sent a generic bill, which does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 
Despite failing to validate the debt, XXXX XXXX re-reported the account on my credit file. This is a direct violation of my rights under 15 U.S.C. 1681s-2 ( b ) of the FCRA, which prohibits furnishing inaccurate or unverified information. 
Disputed Information : Creditor : XXXX XXXX Account XXXX Reason for Dispute : Failure to provide proper validation and reporting of unverified debt Requested Resolution : Because XXXX XXXX failed to validate this debt, I request that you immediately delete this account from my credit report. Under the FCRA, you must conduct a proper investigation and provide me with a written response regarding your findings. 
Please send me written confirmation once this account is removed. If you fail to remove it, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Two years ago I changed my checking account to avoid fees. At the time of this change, it was suggested by the bank employee I open a second savings account. I did so and was not aware the account would be subject to fees if the balance reached a certain level. As I NEVER used this account, I did not pay attention to fees being levied until I started receiving low balance alerts a couple months ago. When I finally reviewed the account, I found I had been charged a monthly {$12.00} account fee for eleven ( 11 ) months : total {$130.00}. 
Today, I contacted the bank as I was out of country for a period. The agent offered to reimburse me for six months of fees at 75 %. This resulted in a credit of {$52.00} ( I 'm not sure of the math on this ). The account is now closed. 
By my calculation, I overpaid {$130.00} in unnecessary fees. Less the {$52.00} credit, I am out {$75.00}, thus this complaint/claim.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account name : DEPTEDXXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, 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 an account without my written instructions.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Affirm Provided the Following Response to CFPB : Thank you for the opportunity to respond to your CFPB complaint. Affirm has reviewed your complaint, which states your concern regarding your application for SCRA benefits through Affirm. Affirm is proud to offer an interest rate cap of 6 % under the Servicemembers Civil Relief Act ( SCRA ) while you're on active duty. SCRA benefits are available for loans taken out before entering active duty service. The SCRAs interest rate reduction applies to Affirm loans obtained by an eligible service member prior to starting XXXX XXXX. See 50 U.S.C. App. 527 ( a ) ( 1 ). Affirm has reviewed the orders provided in your CFPB complaint and have determined that they do not contain an XXXX XXXX start date. As a result, we are unable to apply the 6 % interest cap to your loans. If you have any orders containing your XXXX XXXX start date, please send them to customercare @ affirm.com with a reference to your case ID XXXX. Please note, Affirm has a regulatory obligation to furnish accurate loan and repayment information ( positive or negative ) to the credit bureau and can only update reporting if an inaccuracy is identified. Furthermore, this was disclosed on Affirms Terms of Use and Privacy Policy as well as your Loan Agreement which you consented to and approved when you obtained Affirms loan. More information on Affirm 's Terms of Service can be found here : https : //www.affirm.com/terms Affirm is currently reporting your loans accurately to the credit bureaus and we therefore respectfully decline your request to remove them from your credit report. In the event that you have any further questions or concerns, we encourage you to reach out directly via email. 

Note : CFPB sent over all the orders ( attached herein to this complaint, which shows XXXX XXXX start dates ). The aforementioned statement by Affirm is a misrepresentation of facts.
Product: Credit card or prepaid card

someone use my Identity to Open Credit Card & Bank Account/Cash App. 
His XXXX XXXX XXXX, Phone # XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/2023 that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XXXX  ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XXXX ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, Equifax, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received yesterday 2 separate letters from XXXX credit reporting agency. I am uploading the letters. XXXX states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why XXXX and transunion are not removing it but I am frustrated at the fact XXXX sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.
Product: Credit card or prepaid card

I have concerns that Whitney Hancock Bank is conducting promotions that they are not intending to comply with - they are forcing the customer to " fight '' to obtain what was promised. 

Company promised in advertising that if you met deposit requirements you would receive {$100.00} prepaid debit card. 
XXXX @ XXXX am - Called and spoke to XXXX in Louisiana call center - he stated I met all the requirements. Card would be mailed after XXXX XXXX. 
XXXX - No card received. 
XXXX @ XXXX pm - Called and spoke with XXXX ( sp ) and she said card would not be mailed now - I asked for a manager. XXXX had another person come on the phone who said it would be mailed in XXXX. I asked for a copy of the promo advertisement because the advertisement I have said XXXX XXXX. He said he would obtain it and also asked for my cell phone to call me back. I provided my cell phone. No one has called me back.
Product: Credit reporting

On are around XXXX/XXXX/XXXX I filed a dispute with Experian Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX/XXXX/XXXX I received a some what intimidating letter from Experian ( Exhibit XXXX ) that did n't address the dispute so I did n't response by phone or letter. On or around XXXX XXXX, XXXX I send another letter certified to Experian ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX all I received about my dispute from Experian Is a threating letter. I will mail all supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the account when i made that last payment. I call PayPal and told them she updated it on my account but XXXX wont let me dispute or change it. PayPal didnt close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had filed a complaint months ago. I thought we were working toward a solution. everything was going along fine until early XXXX 2015. I received a call from the person at Ocwen who 'd been assisting us. She told me I had to pay {$4500.00} dollars to satisfy the investors. Problem was I had to call her the next day which I did but she was not available due to a XXXX in Texas. She 'd also given me the name of another contact which I tried to contact as well but he was n't available either. I waited for some XXXX to return my call but it never happened. I eventually made a payment ( a week or so later ) not knowing exactly what to do. I made XXXX payment for the " normal '' monthly payment. It was declined. Since then I have made several attempts to come to some sort of resolve to no avail. Over the past XXXX I have received calls from Ocwen once telling me I have to pay them {$7000.00}. The following week they said I have to pay them {$20000.00}. They are no longer taking payments and I fear I will lose my home.
Product: Debt collection

Lawyer from XXXX XXXX XXXX called and threatened me saying that if I did not pay he would suspend my license and car registration. 
Called me a imbecile and a deadbeat for not paying. This is from a repossession from 2007. Florida law clearly says that they have 5 years. 
They continued to mock me while I asked for their business name and information to list on my bankruptcy forms as required by law. 
I tried multiple times to provide them a current address to be served and they refused to accept it and filed and tried to serve me at a known invalid address. 
They are abusive and bottom feeders who solely pry on people in economic hardships.
Product: Debt collection

I received a few letters from Midland MCM stating that any debt older than two years will be removed, and I sent them letters requesting verification of these accounts because they were not familiar to me. I have an identity theft alert on all 3 credit bureaus. I need this company to verify my information in accordance to proper guidelines as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, XXXX, XXXX XXXX XXXXXXXX, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.
Product: Credit card or prepaid card

I ordered equipment. 
The equipment was delivered. 
The equipment was defective. 
I called the company, and they issued a RMA I returned-mailed the equipment. 

I am due the refund. 
I have provided the company, XXXX, and Chase all the documentation including the RMA and the USPS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX proving return. 

Company denies receipt, and chase takes their word for it and re-charges my card. 

Also notable - the Company issued me an RMA #, which I used to return it.