23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent paid a XXXX loan since XXXX, i was in XXXX school deferment until XXXX. 

I could not pay in XXXX since I was still in XXXX  school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at XXXX would speak to me. 

My cosigner claimed a XXXX XXXX XXXXXXXX, and then XXXX said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX XXXX this past summer ( XX/XX/XXXX ). XXXX showed up as written off then, due to XXXX XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because XXXX showed up again and changed the remark from XXXX XXXX to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score.

At one point they transferred me to the XXXX XXXX, but people Would answer the phone and say they were from a training company and had no affiliation with XXXX ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Payday loan, title loan, or personal loan

I sent an email to Affirm on XXXX at XXXX am providing all the evidence for a disputed transaction with a fraudulent website. The Merchant Dispute Case ID was XXXX. I have not received a response for the completion of the dispute since XXXX. 

The loan # was XXXX, the date of the loan was XXXX, the amount of the loan is {$110.00}, and the Merchant was XXXX This Merchant was supposed to send 1 pair of XXXX XXXX shoes in the amount of {$99.00}. I used an Affirm virtual card to pay for the order. Attached is the Paid Invoice from XXXX XXXX. 

Instead of sending me the pair of shoes, they sent me a bag of rubber bands from XXXX. I have attached the photos of the package, the rubber bands, and the receipt proving I returned the rubber bands to XXXX. Unfortunately, XXXX could not tell me who the sender of the package was at their customer service in store. 

Affirm told me to contact the Merchant about this issue. However, when I tried to contact the Merchant on their website, I received an error message. The screenshot of the error message is attached. Additionally, on XXXX there is no phone number or mailing address to contact the Merchant, XXXX XXXX. 

Because Affirm has not completed the dispute, that loan is showing a late payment and I am unable to make that payment! The late payment in the amount of {$18.00} has caused me to no longer have purchasing power with Affirm although I am current on all my other loans with them and I have been an excellent customer! 

I find it frustrating because I have called them 3 times this week to follow up, and have supposedly been transferred to a supervisor, when I was in fact, disconnected! Today, XXXX, I did speak to someone who claimed he was a supervisor, yet he told me he had to escalate the information to another department, which he would not disclose, and he stated it would take an additional XXXX business days. I forwarded an email to them today requesting they complete the dispute. It is attached. 

Prior to this, I was told if you open a dispute with Affirm, the process takes XXXX days to complete. They have had the evidence since XXXX and I believe they are punishing me, the consumer, instead of providing adequate service by completing the dispute and restoring my purchasing power. The fraudulent website was not my fault and they are still showing I owe on this disputed loan, with a late payment due, which is unacceptable! 

Additionally, I made Affirm aware that I filed a complaint against the merchant with the Federal Trade Commission ( FTC. ) It is report # XXXX. This report is attached. 

There is no excuse for Affirm mistreating consumers like this! Please help me to get this dispute resolved and this loan removed from my Affirm loans that I am responsible for paying.
Product: Debt collection

on XX/XX/2022 a written letter was sent to Phoenix Financial via Certified Mail requesting Phoenix send me a debt validation of this account. I never receive any written notification prior to them reporting this alleged debt on my credit reports. And they never reply to my letter written back in XXXX to prove this is my debt. I have proof they received my written request because they signed for the certified mail concerning all of my request which you will find with this official complaint. So my final request now is for Phoenix to delete this account because they have violated my consumer rights.
Product: Credit reporting or other personal consumer reports

My credit report is showing multiple unauthorized inquiries from these companies, XXXX XXXX on XXXX. XXXX  on XXXX. XXXX XXXX on XXXX. XXXX on XXXX. XXXX XXXX XXXX XXXX on XXXX. These UNAUTHORIZED inquiries have affected my credit profile and is affecting me from using my credit. Under FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information. Including inquires into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Credit card or prepaid card

Complaint : Credit Balance Refund Repayment VISA Account : XXXX with Elan Financial Service, marketed as XXXX VISA and linked with my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX credit card business partner Elan Financial Services has ignored my specific written instructions, made pursuant to Regulation Z, to directly refund my credit balance to me. Instead, {$47000.00} was transferred to some other financial institution and is now missing. 

In my correspondence with Elan on XX/XX/XXXX, which Elan acknowledged the receipt of in its XX/XX/XXXX response, I stated that : Pursuant to 12 CFR Part 1026 ( 2 ) ( Regulation Z ), I hereby request in writing that the credit balance on my account be refunded to me. Subsection 2 requires : Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; As of XX/XX/XXXX, however, Elan has reduced my credit balance from my account but is now unable identify where these funds are. I am also unable to find any financial account of mine to which these funds have been credited. I have further contacted XXXX XXXX to resolve this, but they referred the matter to Elan. 
Since XX/XX/XXXX, I have spent more than several hours on multiple phone calls with Elan without any satisfaction. Most recently I was told by an Elan customer service representative they are researching the matter. 

In short, nearly {$48000.00} of my funds can not be accounted for by these firms. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX
Product: Debt collection

File # XXXX Good Afternoon, I have been trying to reach someone who can help further investigate why i am being charged loans from 2004. First, the bank i banked with at the time does not exist anymore so i am not able to retract proof of the Paid amounts, which i have tried to explain to NAVIENT. I have asked multiple times, i have sent payments so that NAVIENT could stop sending me to collections, I have asked them to investigate. Some of the accounts do not belong to me at all. Just a big mess. Please further investigate that the information that i am being charged for is actually accurate information. 

Thanks. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Product: Credit card or prepaid card

I have Slate Chase Credit Card, Chase have been charging me@ 29.99 % APR on Purchases, i had tried calling them in the past tried to negotiate rate but no luck. Then i stopped using this card for almost a year and then they sent me a notice of canceling my card if i don't use it. To my knowledge, if Bank cancels my card it reflects negative on my credit report. Besides this, its outrageous for banks to charge 30 % apr on credit cards Purchases, i have another credit card from Chase/with Amazon Prime that they have 12 % apr ( Thanks to Amazon ). And on all my other credit cards i don't have APR more than 15 %, i have an excellent credit history and FICO scores even then Chase charging this outrageous 29.9 % APR. Imagine consumers with not so perfect credit history and FICO score? 

Thank you.
Product: Credit card or prepaid card

On my credit a sear account is showing I never receive a credit card from sears and I was not in the us when this account was open. I called sears and was told theirs nothing they can do.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX XXXX Information Dear Equifax Dispute Department , I am writing to dispute specific items on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX XXXX 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my authorization : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX FINANCE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX I - XX/XX/XXXX XXXX  - XX/XX/XXXX Under the FCRA, such inquiries require my explicit consent. As I did not authorize them, I request their removal from my credit report. 

Inaccurate XXXXXXXX XXXX Information : The XXXXXXXX XXXX detailed below is incorrectly reported as a charge-off : Account Name : XXXXXXXX XXXX Account Number : XXXX Issue : Reported as a charge-off The CFPB consent order involving Equifax underscores the need for accuracy in credit reporting. Please update this account to reflect its accurate status or remove it if unverifiable. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.
Product: Vehicle loan or lease

Ally financial has refused to give me the correct routing information to pay the loan off. Ive sat in my banks office with the branch VP on the phone with Ally and they just keep giving excuses on why they can not give me the routing number, they complain they can not hear me yet Ally is the only place I call where everything is garbled. I just want to pay this loan off, they can not accept a credit card payment large enough to pay it off without me making 3 separate payments over 3 days, all while they still charge interest!!! 
I have no idea how they are allowed to bully their customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end  on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit bureaus continue to report inaccurate information on my credit report : XXXX Equifax XXXX ( includes secondary reporting agencies ) Each agency has received a request for validate a debt and they have merely sent a letter back stating that the accounts have been verified. They have not been able to provide proof of validation as outlined in 15 U.S. Code 1692g. This has caused me undue stress, has led to denials and other negative consequences. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The following are the accounts in question XXXX 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

Experian XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Holder XXXX XXXX XXXX XXXX XXXX XXXX Account Holder - XXXX XXXXXXXX XXXX - - Account Holder XXXX THESE ACCOUNTS DONT BELONG TO ME CREDIT BUREAUS FAIL TO VERIFY THESE ACCOUNTS I NEED THESE ACCOUNTS REMOVE OFF MY CREDIT
Product: Credit card

I noticed on XX/XX/XXXX that two charges occurred on my Citibank American XXXX credit card. I disputed both charges online. I waited for Citibank to respond back and we called them early XXXX to see the status ( which can take up to 60 days ). They said they are still investigating. When I called again in early XXXX, they said it was resolved but I told them I still see the charges on my account. They stated that they sent a letter asking for more information but I told them we NEVER received it. So they reopened the case again and on XX/XX/XXXX, they sent a letter online stating that I need to write a statement on what happened on the very same letter and to either email it or fax it back to them. So on XX/XX/XXXX, I sent all required information by email and they confirmed receipt. I called again XX/XX/XXXX and she confirmed receipt and it was still in dispute. I called XX/XX/XXXX and they claimed they didn't receive the information, and when I provided the date, she found they did have it and reopened the case. I have asked for this to be resolved as this has been going on for months now. 

This has been going on now for SIX MONTHS and Citibank is reporting to the three credit bureaus that I am late on my account ( even thought they confirmed that the account is in dispute and I do not have to pay a XXXX while this dispute is still happening ) and my credit is now damaged. How do I know this? Because I asked for a credit line increase on another Citibank credit card account and I was denied and the reasons stated were " late payments '' and " delinquent account on an associated account ''. It is plainly obvious that Citibank 's dispute department is badly organized and don't know what they are doing. Now my good name has been tarnished and who knows how many other consumers that Citibank is doing this to.
Product: Credit card or prepaid card

Master Gift Card for {$200.00} issu ed by US Bank National Association was  purchased in  XXXX   XXXX . I realized th at the card has some fraud charges for around {$60.00} and hence I reported this to the Dispute Dep artment in  XXXX   XXXX . I was mailed replacement card for the balance amount but even after regular follow-up f or 3-4 mo nths the company never acknowledged the status on the disputed charges. In  XXXX   XXXX  I was told that I had not submitted the documents for both the fraud charges and hence I had to fax the info. I faxed the info in  XXXX  and was told that the transaction was denied due to delay in submitting all the documents. I need  US Bank to look into this issue urgently as this has been going on for more than 7 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX XXXX XXXX  OPEN XXXX XXXX. {$440.00} XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX XXXX. {$430.00} THE NAMES : XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I filed a claim with Chime Bank on XX/XX/2021 for the amount of {$100.00} for XXXX XXXX XXXX XXXX. Chime Bank denied my claim on XX/XX/2021. I followed the procedure to receive the documents used in the determination of the denial. Chime Bank provided me a copy of an invoice with no explanation at all. 

Chime Bank does not properly investigate fraudulent claims. I expressed to them that I do not reside in the XXXX XXXX XXXXXXXX area.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial posted three hard inquiries on my credit that I did not authorize. I've tried to fix it with XXXX  to no avail.
Product: Debt collection

On XX/XX/2020, I received a collections letter from XXXX dates XX/XX/2020 in regards a bill from XXXX XXXX XXXX XXXX in the amount of {$52.00}. I never received a bill from the creditor. I received another bill from the creditor and paid it. I checked my insurance records and I do not show this amount due. Im furious to receive a collections letter and never receiving a bill if I even owe this amount.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, CashApp Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further 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 seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation and reinvestigation. The account payment history is clearly and OBVIOUSLY INACCURATE, The inaccuracies are highly injurious to my credit score. I HAVE LISTED BELOW MULTIPLE INACCURACIES THAT YOUR COMPANY IS REPORTING, EVEN AFTER YOU Updated & Verified the account. 
Here are a FEW of the inconsistence payment history as it currently appears : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am DEMANDING THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT! It is a violation of my Consumer rights per The Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and I have identified discrepancies that need to be corrected immediately. 
Details of Disputed Inquiries : XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX