23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I called the company to set up a payment arrangement on my balance. The message stated Please hold while we connect you to a representative and did not say anything about calls being recorded. I spoke with representative XXXX who did not verify my identity before disclosing the debt associated with my phone number. She also did not inform me the call was recorded. They transferred me to a representative who actually sets up the payments who informed me THAT line was recorded, so I asked if all of them were and he said yes, so I asked to be transferred to a Manager. I spoke with Mr. XXXX, XXXX, who began to discuss the debt with me STILL without verifying or giving a call recording disclaimer. I informed him this was all in violation. He put me on hold to listen to the call with XXXX and came back having verified what I said to be true. I informed him I wanted the matter removed from my credit and that thrown out. He declined. I said I would have to consult my attorney then over the FDCPA violation prior to proceeding with any payments. I verified with him that the calls are recorded and would be available for further inquiry, based on my telephone number. 
- Later, on XX/XX/XXXX and receiving no further contact from them, I called back and a representative, XXXX stated the account was no longer in their system. It was still on my credit, so I disputed it, but it was validated, even tho the rep had stated there was no account there for me. All of this very frustrating and unprofessional behavior that violates my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using XXXX, I tried to order Equifax report online, answered all the questions correctly, and was told they were unable to provide online report and said I had to complete a form and mail to them along with several identifying documents. I then called them and they verified me over the phone and said they would mail, but it would take 10-15 days. This happened exactly like this the last time I tried with Equifax back in XXXX 
Same thing with XXXX. Only XXXX would allow online request. 
Equifax and XXXX are making this onerous. Is there anything you can do? 
The XXXX website says : " You can ask for your free annual credit report from XXXX XXXX XXXX XXXX You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process. '' Obviously, Equifax and XXXX are not complying with the above. Is there anything the CFPB can do to correct this?
Product: Credit reporting or other personal consumer reports

There are XXXX accounts showing on my credit report. The accounts are with Affirm Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT apply for any credit with this company. I am reporting this as FRAUD. When I called the company the could not find the account using my phone number or the partial account numbers XXXX is showing on my reportXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. Equifax reports shows that I have NO MORTGAGE and XXXX   shows an old mortgage and has it reporting as being closed. XXXX  shows the mortgage reporting accurately. XXXX  is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted Equifax to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to Equifax and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XXXX of XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of Equifax report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows XXXX   notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.
Product: Credit card

We own a company with a business checking account. We noticed withdrawals from our business checking account that were not authorized. These withdrawals were from a company named AFFIRM ( apparently a buy now pay later credit company ). 

Apparently a customer of AFFIRM illegally linked their AFFIRM credit card to our business checking account. How this can occur without any safeguards at AFFIRM is still a mystery. These transactions occurred from late XXXX into XXXX and totaled about {$10000.00} We notified our bank of these unauthorized transactions and they reversed many of the charges. 

We have also been in contact with a XXXX XXXX at AFFIRM and he too has returned " MOST '' of the charges to our account. 

However, we are now down to 4 transactions that our bank has tried to get back and AFFIRM has attempted to return but for some strange reason both banks " allegedly '' keep rejecting the transactions. 

It is very difficult to talk to anyone at AFFIRM in person because they won't release their phone number, they are extremely slow to respond to emails. 

I have copied both their CEO and CFO and they too do not respond. A XXXX XXXX and XXXX XXXX. Their emails are XXXX XXXX XXXX and XXXX XXXX XXXX We have now been dealing with this issue for 2 months and it is still not resolved. 

Someone needs to look into the security measures a company like AFFIRM have in place to ensure an account holder can not link their AFFIRM credit card to a completely unrelated business checking/savings account.
Product: Debt collection

I am trying to obtain a deletion letter from Allied Collections, because I am trying to buy a home. When I made the payment, the person I spoke to, said they will provide me with a letter stating I no longer owe them the debt. I spoke to my Lender, and she said, she has received a deletion letter from Allied Collections about 3 days ago. I 've called several times Allied Collections in the last three days, and they refuse to provide me with the deletion letter. I do n't understand why they refuse to provide me with that letter if the debt has already been paid.
Product: Credit reporting

well XXXX month ago I found out a car that I co-sign for was very delinquent so contacted the creditor a settlement they refused and demanded full payment I did not have XXXX so I felt I should do the right thing and make payments because after all I did co-sign for the loan. The payment is XXXX which I do n't have and it has really put a undue burden on me. I wait for XXXX month and requested the creditor to update their credit files, because the report is now showing inaccurate balance and this is very misleading informationI, I was told the only way they will update any payments to this account if it was paid in full. ( balance ca n't be correct ) therefore i had no choice but to requested Transunion to remove all the inaccurate and misleading information from my credit report these inaccurate details have adversely affected my credit worthiness and hampered my chance of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) I demanded transunion to re-verified and removed the inaccurate information. I provided them with prof of payments. I continue to send payment each month. They refuse to remove the inaccurate information this is damaging me severallythis is clearly a violation of the FCRA credit reporting act I provided prof of payment and the creditor is still saying owe the same amont of money there is clearly something wrong herethere 's discrepancies in the amount owe therefore by law it should be removedfor the according to the FCRA it should be totally removedthe company can not refused to update clients account if they are receiving payment this does not comply with the laws they are in total volition of the laws of the Fair Credit Reporting Act
Product: Checking or savings account

Received emails early morning at XXXX on XXXX about a business checking account being opened under my name. Received another email in the evenings of XXXX about a business debit card being sent to me. The new account automatically linked to my online profile. I don't know what happened but I clearly can not open a new account when I am sleeping on a weekday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car on or about XX/XX/2017. Credit was pulled by several companies, including - XXXX   XXXX, XXXX and XXXX XXXX XXXX XXXX. 
The companies above pulled credit 3,2 & 2 x respectively for a single transaction. ( See XXXX 2 Attachment ) .These pulls are each being recorded as a hard inquiry and have affected my rating on Transunion . ( See Attachment ). Hard Inquiries are 12 instead of 8. 

I have contacted Transunion and they said only the creditors can fix it. I have contacted the creditors and they have no process to remove the extra inquiries, and I should file a dispute with Transunion. I file a dispute with Transunion and they state the creditor had the authority to pull my credit. 

Yes they had approval to pull my credit once, not 2 or 3 times. Please assist me in helping get these items removed.
Product: Debt collection

I signed up for an XXXX XXXX XXXX promotion -- internet and XXXX for around a {$100.00} a month for two years. When his first bill in XXXX was nearly double that, he complained to XXXX XXXX XXXX. 

" Every month I open up your envelope and you go, 'OK, what's the surprise this month? ' '' After, making multiple complaints to customer service I continue to get passed around with different information. At the end I was constantly placed on hold and problems was never resolved. Due overwhelming frustration I cancelled the service ; however, the continue to charge me. Now the have a collection agency {$2200.00} ( ERC # XXXX ) XXXX XXXX  XXXX XXXX FL XXXX. Every time I asked for validation of this bill the collection sells the dept and then a new collection agency attempts to collect a debt that's not owed. 

Basically, I was scammed, buy a bait and switch method. Because the never honored the promotion ; plus the cable service was always shutting office and the WiFi had a weak signal which continue to boot me off of the internet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing several serious violations that I believe have occurred under the Fair Credit Reporting Act ( FCRA ). These violations involve inaccurate reporting, improper handling of my personal information, and failure to comply with established laws regarding credit reporting and debt collection. 

First, Section XXXX of the FCRA outlines civil liability for willful noncompliance, and I believe that credit reporting agencies accepted and reported inaccurate information about me without verifying its accuracy, which violates this section. If this is the case, I am entitled to seek compensation up to {$1000.00} per violation. 

Additionally, under Section XXXX ( d ) ( XXXX ) ( A ), the law mandates that I be informed of my right to opt out of sharing personal information, and I was not provided with this disclosure. This omission is deceptive and violates my consumer rights. 

I also claim a violation of Section XXXX ( a ) ( XXXX ), which requires that information reported to credit bureaus be accurate. The credit reports contain inaccurate accounts and inquiries, and these were not properly validated. Such misreporting may also violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is a form of deceptive reporting. 

Another serious issue involves violations of the Fair Debt Collection Practices Act ( FDCPA ). Debt XXXX have been reporting inaccurate debts and accounts without my consent, leading to unnecessary harassment. This type of activity is not only unlawful but also distressing. 

I also identified issues with regulations concerning acquiring location informationdebt XXXX have disclosed my information to third-party credit reporting agencies, which is prohibited under the law. 

Furthermore, timely payments regulations were violated when " late payments '' were reported without clearly defining what constitutes a late payment. This practice is both deceptive and misleading. 

Under FCRA Section XXXX ( credit report permissible purposes ), my credit report was updated without my written consent, which violates the rules for when and how information should be reported. 

To resolve these issues, I have formally requested that the credit reporting agencies correct the false information, validate debts under 15 U.S.C. 1692g ( Validation of Debts ), and cease reporting inaccuracies until verification is provided. If validation is not provided, I am demanding the removal of these items from my credit report immediately. 

Failure to act on these disputes will leave me with no choice but to pursue legal action for violations of the FCRA and FDCPA. I have made it clear that I expect a prompt resolution, and if these matters are not resolved quickly, I will pursue all available legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to contact CITI BANK in regards to the lack of privacy with reporting my personal information. They did not have my consent to do so and this has caused a huge burden on me and my family.
Product: Credit reporting or other personal consumer reports

I will continuously dispute the negative close accounts that were reported 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 XXXXXXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies. 

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting. 

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.
Product: Checking or savings account

Dear representative, THIS IS NOT A DUPLICATE COMPLAINT. This complaint is brought forth with new and previously unaddressed evidence. The PayPal representative who initiated a transfer of funds from my account into a family member 's linked negative account assured me that my accounts would be granted full access once the negative balance was resolved. To have this key point unaddressed after over {$300.00} was transferred from my account is nothing short of fraudulent from PayPal. I am requesting for the remainder of the balance on my account XXXX be made available for immediate withdrawal and for full access to be granted to all my accounts ( information detailed below ). I was made a promise by a company representative which was not upheld.
<P/>
To summarize, I possess three PayPal accounts ; Account A ( XXXX ), Account B ( XXXX ), and Account C ( XXXX ).
<P/>
Quoted from a previous response : " Due to your engagement in a restricted activity, we are not overturning the limitations on Accounts A, B and C. '' The restricted activity was defined as creating new or additional PayPal accounts in order to circumvent a negative balance or limited account. My first two accounts ( Accounts A and B ) were both permanently limited due to a linked family member 's account which had a negative balance ( XXXX ).
<P/>
To resolve this issue, I opened a new PayPal account ( XXXX ), and called PayPal assets recovery to initiate a transfer from that new account to the family member 's account with a negative balance. Records will show that a successful transfer was made. In fact, the PayPal representative who made the transfer assured me that my accounts will be restored access once the transfer was complete. To subsequently have my complaints not be addressed after this transfer is nothing short of fraudulent.
<P/>
This new account was made with the good intention of resolving that negative balance. I was not intentionally trying to violate PayPal 's User Agreement or participate in a restricted activity. I was attempting to resolve the family member 's negative balance as soon as possible, and this creation of this account ( XXXX ) was in good faith.
<P/>
I have already outlined the reasons why my business is n't high risk, carefully detailed in complaint XXXX.
<P/>
I am requesting that my accounts ( XXXX, XXXX, and XXXX ) be restored full access. I also request that the current balance which is held on my account ( XXXX ) be made available for immediate withdrawal. I comply with PayPal 's User Agreement, and would never compromise that trust. As detailed above, the third account was created with the sole good intention of resolving a negative balance on a family member 's account. {$300.00} was transferred from my account to the family member 's account to correct the negative balance.
<P/>
Thank you for your time and consideration, and do not hesitate to contact me if any questions arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear, It is about XXXX XXXX XXXX, AMOUNT AROUND XXXX My credit report shows repossession on XX/XX/2020 I have receipt/conformation that showed I paided my bill up to XX/XX/2020then the payment REJECTED by creditor. 

It is still not clear why my car got repossessed. I realized my car repossessed on XXXX after calling to request payment deferral for month of XXXX while abroad for church mission and stacked there because of covid no flight order. Problems with XXXX XXXX, APPLICABLE FACTS ( 1 ) Not notifying I have electronic consent to be notified/get any alert. But XXXX failed to do so, instead send only " mail '' to my old address/not the mailing address that I updated on XXXX XXXX XXXX online account. 
( 2 ) Rejecting Auto payment after XX/XX/XXXX ( payment for XXXX ), and reported it credit beauros as not paid. 
( 3 ) After talking and agreed to reclaim my vehicle, but not answering call when to pick up ( physically closed ), XXXX refused to postpone, auctioned it with out any notification. 
APPLICABLE LAWS IN NEVADA ( 1 ) The registerd owner must be at least " 30 '' days in default. I have paided till XX/XX/2020.Even if reported otherwise. 
( 2 ) The repossession company must notify the registered owner in each step of the repossession. 
( 3 ) The repossession company can adjust payment agreement and return the vehicle to the owner. 
CONCLUSION So if not in defult and XXXXnot notified, it must be considered as wrongful repossession and may be required to have court judgment to reposses in Nevada XXXX 
Contracting creditor beauros or the company failed to solve the issue. 
Best Regards
Product: Vehicle loan or lease

As online pay is the normal paying option for consumers in America, there is a problem with me paying {$7.00} every time I make a payment on my vehicle. I have a problem with this as well as my interest rates which exceed 18 %. I believe there is a law in South Carolina that my rate should not be above % 8.75. The finance company is overflowing me with charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial did not remove a fraudulent account from my credit report.
Product: Debt collection

After reviewing my credit reports, I discovered that Frontline was reporting an alleged XXXX bill. My initiated contact with them on XX/XX/XXXXXXXX and their response on XX/XX/XXXX included an invalid 'monthly statement ' that lacked essential details about the nature of the information. Dissatisfied with this incomplete response, I followed up on XX/XX/XXXXXXXX explicitly requesting more information to clarify the invalid details provided earlier. Regrettably, there has been no further communication from Frontline, and they persist in reporting this unverifiable account on my credit reports. I remain unaware of the specifics of this account, as the company has not provided any detailed information beyond indicating past due amounts
Product: Credit reporting or other personal consumer reports

I have three unauthorized hard credit pulls in my credit scores that I would like to remove. They are XXXX on XX/XX/year>, XXXX XX/XX/year> and XXXX XXXX  on XX/XX/year>. My credit profile has been hacked on XXXX XXXX and every so often I receive these unauthorized credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my credit report. The items I need removed are listed in the report I am a victim of identity theft and did not make the charge, I asked that the items are deleted to correct my report. I reported the theft Of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. I would appreciate it if you delete it these items promptly as it is hindering me. I am trying to advance in my life by getting a house in car to provide for me in my family.