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

Affirm Inc 's negligent and unlawful reporting of charged-off accounts on my credit report, in evident violation of the Fair Credit Reporting Act ( FCRA ). 
The accounts in question were charged off incorrectly and have been misreporting to credit reporting agencies. This action by Affirm Inc. constitutes a gross violation of consumer protection laws and is adversely impacting my creditworthiness. 
Inaccurate Reporting : The account reported by Affirm Inc. as " charged off '' is incorrect. I have made all efforts to address this issue directly with Affirm Inc., but they have failed to rectify the matter or provide proper documentation supporting their erroneous reporting. 
Violation of FCRA : Under the FCRA, Affirm Inc. is required to provide accurate information to credit bureaus. Their blatant disregard for this legal obligation is causing significant harm to my financial reputation and stability. 
Failure to Investigate : I have disputed this inaccurate reporting with both Affirm Inc. and the credit bureaus, but Affirm Inc. has not conducted a reasonable investigation into the dispute, as required by law. Their failure to correct this error is both unlawful and unacceptable. 
Adverse Impact : Due to the false reporting, my credit score has been unfairly affected, leading to denial of credit and financial opportunities. This is causing undue stress and financial hardship. 
I demand that the CFPB take immediate action to investigate this matter thoroughly and ensure that Affirm Inc. corrects the inaccurate reporting. I also request that Affirm Inc. be held accountable for their negligent practices, which are in violation of my consumer rights. 
Thank you for your attention to this matter. I expect a prompt resolution and the immediate correction of this incorrect charge-off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX and navy federals is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Several of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting

I contacted Equifax in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. Equifax must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This is to follow up and I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation. Kindly help me remove the following items immediately : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX '' XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX
Product: Debt collection

For about XXXX  years now I have been getting harassing phone calls and voicemails left for me that always seem fraudulent. Once about XXXX  years ago they started calling my mother, sisters, stating that they had legal paperwork that they needed to serve me and need to verify my contact info. I called them at that time and asked who they where and no one would answer, I would ask what this was in reference to they would not answer that unless I gave them information about myself, to which I scoffed and advsied I was not giving them any information about me ever. They stopped for a while, then started again, seems form another " XXXX ''. I filed an FTC complaint about XXXX years ago, listing the numerous phone numbers and assumed company names that I had received calls from. They have started once again from this XXXX XXXX XXXX XXXX and again stating they had legal papers to send but they would require a signature, and needed me to verify my personal information with them, I again told them I wasn't signing anything and would not give them any information about me at all, ever. Today they called again stating the same thing, left me a voicemail and then called back, I answered and same deal, paperwork to serve me... blah... blah.. blah, so this is definitely harassment at this pint in time. I monitor my credit and know I have no delinquent debts, have never been in legal trouble, yet they continue to harass me with these phone calls a couple times a day. I would appreciate any assistance or advice on how to get them to stop. Additional phone number I have received calls from regarding this same non-issues seeking info on me recently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these calls have been over the course of the last month alone.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
XXXX a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 and order was placed for an in-stock item for direct to store shipping at XXXX XXXX XXXX. 

This item never shipped. Several attempts to contact the vendor via email and phone went unanswered. 

A fraud complaint was filed with the card servicer Synchrony bank. 

The day after the fraud complaint was filed, XXXXXXXX XXXX  updated the status of the order to cancelled and marked the item as shipped. It may or may not have actually shipped at this time. But based on the lack of communication and how long it had been since the order was placed. This appear to just be corrective action to protect their business. 

The order, despite being cancelled, still has not been refunded and appear on my statement. 

The charge has not been cleared from the account. The bank will not explain why nor have I received any correspondence regarding this submission. 

I have made several attempts to get answers from Synchrony using their online customer support. 

Support agents have provided no valuable information and have required more of my time than should be necessary to resolve an obvious vendor error. 

The charge remains on my account 30 days after making the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.
Product: Debt collection

Commercial trade inc falsely reported something on my credit report belonging my to someone with a similar name. I filed a complaint previously with cfpb and the company responded on XXXX that they had removed the information on my credit report. Or XXXX they verified the information as accurate with the credit reporting agency, despite it being not accurate as they implied by saying they removed it from my credit report. I have given this company multiple opportunities to do the right thing and remove this false information from my credit report but unfortunately now I have no choice but to sue them since they insist on reporting false information as being accurate.
Product: Credit card

On XX/XX/XXXX, I received a XXXX XXXX through Concora credit in the mail to activate, but I never applied for this card. 

I called customer service, but refused to give them the last four digits of my social security number, which they asked for, because I never opened this account to begin with. They pulled up my info without it. They transferred me to their fraud department because I told them this is not a card I ever applied for. 

The lady in the fraud department let me know this card was opened XX/XX/XXXX. XXXX years ago?! I never even applied for a single credit card until the XXXX. I asked her why I would be getting the first ever card from this company now if this account was opened in XXXX? She didn't know. I told her I wanted to close the account. She dissuaded me from doing this because of the " fraud investigation '' they'd be sending me. I said, " what if you charge me fees? This isn't my account and I don't feel comfortable with an open account under my name I didn't open. '' She said there were no fees or charges and to wait until I receive my fraud investigation in the mail. I got off the phone. 

What do I do? This sounds like a scam.
Product: Credit card

PNC makes it purposefully difficult to set up and auto pay regiment, cant make a payment on a credit card online or mobile app and refuse to waive ridiculous {$27.00} late fee.. almost as if it is all by design just to collect late fees. Called and tried to make my minimum payment but they refuse to remove their ridiculous late fees.
Product: Mortgage

My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Heres a formal dispute letter you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian, Equifax, and TransUnions failure to properly investigate your dispute with XXXX XXXX 

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute Regarding Credit Bureaus Failure to Investigate Fraudulent Account To Whom It May Concern, I am submitting this formal complaint regarding Experian, Equifax, and TransUnions failure to conduct a reasonable and thorough investigation into a fraudulent account reported by XXXX XXXX  on my credit report. 

I previously disputed this account with all three credit bureaus, providing detailed information and evidence that the reported debt is fraudulent. However, instead of conducting a proper investigation, the bureaus have continued to allow XXXX XXXX to report inaccurate and damaging information. 

Details of the Dispute : Creditor Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Date of First Dispute : XX/XX/2024 Nature of Dispute : Fraudulent charge-off for a vehicle that was never repossessed, rebuilt, or resold with my consent. 
Supporting Evidence Provided : [ List documents you submitted, such as police reports, correspondence with XXXX XXXX, proof of fraud, etc. ] Despite my formal disputes, the credit bureaus have failed to verify the legitimacy of the debt and continue to allow XXXX XXXX to report this account as accurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), which requires credit bureaus to conduct a reasonable investigation when a consumer disputes information on their credit report. 

Additionally, this account is the subject of ongoing litigation due to fraudulent activity, further demonstrating the necessity of removing this inaccurate reporting until the legal matter is resolved. 

Requested Resolution : I demand that Experian, Equifax, and TransUnion immediately remove this fraudulent account from my credit report.

I request written confirmation of the investigation results and an explanation of the evidence they relied upon to verify this debt. 
If the credit bureaus continue to allow this inaccurate reporting, I will consider legal action under the FCRA and pursue damages for willful noncompliance. 

This matter has severely impacted my credit and financial well-being. If no corrective action is taken, I will escalate my complaint with the Federal Trade Commission ( FTC ) and consider filing a lawsuit against all responsible parties. 

Please respond to this complaint in writing within the 30-day period required by law. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Debt collection

Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX  XXXX  XXXX  i had account # XXXX.I been paying for 2 years plus, which was for my debt with citibank credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of CITI and below says for XXXXCITICORP CREDIT services, INC.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the CITICORP. credit servises inc put those checks in. It should be applied for this account XXXX. And basically that is the complain to CITIBANK. Thank you so much.
Product: Debt collection

On XX/XX/2022 I sent a letter through their email from their website for a request deletion of all information collect on me a third party or services provider. They have been been very damaging to my credit report they add remarks on my credit report, then remove and repeat the process. I have disputed this account because its inaccurate they failed to provide me with a signed contact and other documents I have asked for because that is my right under consumers California privacy act that is the law and they are violating my rights and breaking the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a XXXX XXXX I did not authorize these accounts or inquiries, and they do not belong to me. Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an authorized user account with WELLS FARGO that is only reporting to XXXX and not XXXX, or XXXX.
Product: Credit card

I made a late payment to a signature credit line account in XXXX 2015 XXXX my fault XXXX and XXXX 2015 ( due to an error by a branch employee ). I have held the account for 10 years at an interest rate of approximately 9 %. In XXXX of 2015 the bank increase the APR to the penalty rate of 24.99 %. I called to get an explanation and they told me that my contract gives them the right to increase my payment after XXXX late payment. Per XXXX XXXX XXXX ( a ), " no creditor may increase any annual percentage rate ... except as permitted under subsection XXXX b ) '' parts XXXX of section XXXX b ) do not apply to my circumstances but XXXX XXXX ) allows for such an increase " due solely to the fact that a minimum payment by the obligor has not been received by the creditor within 60 days after the due date for such payment, provided that the creditor shall '' provide notice not later than 45 days prior to the increase stating the reason for the increase. I spoke to the bank but they asserted that their contract with me permits them to apply such an increase upon the happening of XXXX ate payment. I asked for a copy of my contract which they only agreed to send by paper mail. The bank only offered to " escalate '' the matter for me and stated that they could not put me in contact with a person who could provide answers on the matter.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified.It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report from XXXX and XXXX All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
Product: Mortgage

I was debt free with a paid for house when I got married. My wife 's name never appeared on the deed to the house. Yet she fraudulently obtained a {$97000.00} loan from XXXX XXXX XXXX in 2007 by forging my name on the mortgage application. The notary seal is n't even on the same page as the signatures. I am currently making {$780.00} payments to M & T Bank. 
My wife took out several credit cards in my name and opened an account at a big box store. She also removed {$21000.00} from her XXXX retirement account without my required signature. In total she stole {$250000.00}. She was charged with identity theft and XXXX counts of credit card fraud. She pleaded guilty of identity theft and the other charges were dropped. In total she was ordered to pay me {$5000.00}. 
My divorce lawyer called me a liar concerning the mortgage fraud and continually told me to shut up and stop whining. I do not have the money for an appeal. I have filed a complaint with the Attorney Grievance Commission of Michigan but I am not optimistic on that course of action. 
Recently M & T Bank contacted me to offer a reduced mortgage rate loan to lower the 7.75 % I am currently paying. Then they told me that they could n't give me a loan because my credit is so terrible.