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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

On the XXXX XXXX XXXX website, I purchased 2 adult tickets and 1 child ticket from XXXX to XXXX XXXX XXXXXXXX XXXX. They quoted me upfront {$3700.00} but with my points, the price was reduced to {$2200.00}. Then on the next page, the price was {$2500.00}, a difference of {$250.00}.
Product: Consumer Loan

I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.
Product: Debt collection

JONATHAN C. FRANK & ASSOCIATES , LLC.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Phone : (  XXXX  )  XXXX  For Debt Collections : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  Email :  XXXX  XXXX  XXXX  This company is continuously calling me and my wife for a debt that is not mine and I have tried to tell them this. They call non stop asking me to verify info and threatening to have me arrested. From conversation I think it has to do with payday loans, I have never had a payday loan. They are a ripoff. I have froze my credit.
Product: Credit reporting or other personal consumer reports

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 3. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 4. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 5. **15 USC 1681n** : I reserve the right to seek damages for any violations of the 6. FCRA resulting from this breach, should you fail to comply with my requests. 7. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! Sincerely XXXX XXXX XXXX
Product: Debt collection

Ability Recovery Services contacted me by phone several times, the most recent being XX/XX/XXXX for a debt owed to XXXX University. As of XX/XX/XXXX this debt has been fully paid to XXXX University through their online portal payment system. As a result, the balance with the University has been satisfied and is no longer owed. I spoke with XXXX XXXX and another rep who identified herself as XXXX XXXX on Thursday, XX/XX/XXXX at XXXX and XXXX. I notified the collector that I had made a payment with XXXX University via their online system in the amount of {$1600.00}. These payments were made on XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$1300.00} and covered the total debt I had with the University. The representative was very short with me and extremely rude. She hung up on me and denied me access to speak with a supervisor regarding my account. I inquired about the process for removing the account from credit report once the balance has been paid. The representative stated that the account will first report as paid in full and then two weeks later it will be removed from all three credit reports. I asked could I get a statement in writing confirming this and she noted that Ability Recovery Services would not be able to furnish a written statement. I have repeatedly asked to escalate mt concerns to a supervisor and the representative continued to say " I am not going to go back and forth with you or transfer you ''. The representative has noted that unless I am calling to make a payment she will not speak to me. I also have reason to believe that the representative who identified herself as XXXX XXXX, lied about her name. Based on the voicemails I have received from " XXXX '', her voice and accent sounds exactly the same.
Product: Checking or savings account

on XX/XX/2022, I was contacted by a person stating he was representing Bank of America fraud department. A call came through using the number XXXX the same number that is on the back of the Bank of America debt card. I was asked if I made a wire transfer in the amount of {$48000.00} to a XXXX XXXX XXXX. I was told I needed to transfer the money to another account. The scammer and taken over my computer and printer and printed out the instructions for me to follow transfer the money on XX/XX/XXXX approximately XXXX XXXX at a Bank of America office. On XX/XX/XXXX at XXXX XXXX. I went to the Bank of America in XXXX XXXX, Massachusetts and reported the scam to the XXXX manager. She contacted the Bank of America fraud division on the computer and telephone. I spent three hours with the XXXX manager. While she reported what happened
Product: Credit reporting

I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

have an alleged debt with XXXX XXXX XXXX. They claim that I had an outstanding debt with XXXX XXXX XXXX. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX XXXX and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX XXXX issued me an unsecured credit card. I am in good standing with XXXX XXXX XXXX. I disputed this debt with XXXX  and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted XXXX XXXX XXXX and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX XXXX or a credit card agreement between me and XXXX XXXX XXXX. I dont know if the alleged debt was a credit card or a loan. According to what XXXX has on my credit report the alleged debt account was opened in XXXX of XXXX. I was living in Florida in XXXX of XXXX. There is no XXXX XXXX XXXX XXXX here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want XXXX to provide proof of this debt between me and XXXX XXXX XXXX. If they can not provide this proof then I want their trade line removed from XXXX and Transunion. I have a written statement from XXXX XXXX XXXX that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from XXXX XXXX XXXX. I have also filed a dispute with XXXX and am unable to file one with Transunion because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX XXXX yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3
Product: Credit reporting or other personal consumer reports

i never opened this account and never gave them written consent to furnish any accounts to any bureaus, this is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act inquiries XXXX XXXX, XXXX XXXX XXXX XXXX and 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 a account without my written instructions
Product: Prepaid card

I got a Vanilla Visa card for XXXX in the mail from my grandma. I tried to activate it via phone call and website. Every time I tried, it said there was a problem. When I called to talk to someone, they stated there was a problem and that they needed the receipt, a picture of the card for ( front and back ) to a certain email and to add my case number. My grandma didnt send me her receipt. Its embarrassing reaching out to ask for it. I havent received the receipt from her ( if she still even has it ). I did some research and found out Im not the only one this has happened too. Theyre fraud cards apparently and now me and my grandma are out {$200.00}! The lady from Vanilla gift said it would take 3-14 business days to resolve it once they had the information they needed. She told me shed send me an email with information to follow up and its been hours and no email. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX
Product: Payday loan, title loan, or personal loan

I was going to enroll in a data analysis course with XXXX in XX/XX/2023, and XXXX set me up with their financial company partner ( Affirm ) for a $ XXXX loan. 
I later contacted XXXX with in 7 days period which was in their policy that I am no longer interested in the class, that I no longer want to enroll for the class. 
I called on XX/XX/2023, at XXXX EST and at XXXXXXXX EST to let you know that I am not interested in the XXXX XXXX XXXX XXXX XXXX XXXX program anymore, the sequel to the offer you gave me on XX/XX/2023. " XXXX XXXX '' was the guy that enrolled me, and he said " it is not possible '' for me to pull out, and I told him that he can not force me to be in the program, and in addition, that was within seven days of their policy to notify him. 

I called again on XX/XX/2023, at XXXX EST to reinforce my decision that I am NOT interested anymore in the program. He mentioned that I should give you till the XXXX or XXXX of XXXX, XXXX, so that you can guide me on how to apply for the refund, because my loan was already set up with Affirm. He did not call, I called him and he ignored all my calls, I emailed and he did not respond, so I called Affirm to let them know I have contacted XXXX that I will not be enrolling in the class anymore. Affirm motioned that a case will be opened and they will investigate and make a decision within 15 days. I have not heard from them, and the first payment was due on XX/XX/2023, and the payment is showing as though I defaulted, and this will affect my credit score/report. I have opened a case with Affirm, and it is as if they are not doing anything. I reported XXXX to XXXX, and simplilearn responded that they will reach out to me and resolve the issue with me, but no one ever reached out. I have a loan in my name which is showing that I defaulted, but I never did.
Product: Debt collection

This company, Aargon Agency was asked to stop contacting me thru phone and to send all paperwork involving this said debt of {$3100.00} thru mail. I also requested something with my signature giving them permission to my records and to collect this debt. I have not received this information. I am requesting this, if this can not be produced by this Company then this debt needs to be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c and FCRA Section 605C you have violated my rights by lawful communications. Please remove these items off of my credit report. I am a victim and this needs to be handled immediately before I take legal actions. 

Please read the enclosed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i do not want this costly service and they refused to cancel the subscription
Product: Debt collection

I spoke with this company multiple times. They once collected a payment from me on XX/XX/2018 for {$100.00} and said the payment went through and I was good. They never contacted me again. I was surprised find today when I was applying for my mortgage refinance that this company reported this debt as still in collections last month and my credit score significantly came down. 
I logged in to their portal to find out that the previous payment did not go through and I had to pay this again. I paid this again and it shows the payment is processing. 
This company has not been transparent about the fact that they were going to report to the credit bureau and damage my credit. I hope they can correct my credit asap so i can go through with my refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX XXXX.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.
Product: Checking or savings account

My entire account and the funds are frozen and the debit card attached to account has been closed. I over the course of the night if XX/XX/2020 a deposit from Texas XXXX XXXX was received and successful in applying to account balance the. the action against the account was immediately taken based on the account receiving funds from Tennessee prior to this date. I provided the specific account services team with a copy of eligibility questions from each state, deposit correspondence from each state, my ID, and other correspondence on the date of freeze. I have been unable and told that this team only communicate by email. Issue has not been resolved.
Product: Mortgage

On XXXX XXXX, 2020 I called to check why a payment had not been made on my loan through an " autopay '' service provided by Nationstar DBA Mr. Cooper. Looking at the web portal it was unclear to me whether a payment would be made in XXXX. The web portal indicated that the next payment would be made in XXXX. 

I called into the company 's phone system. The rep on the phone informed me that no payment had been made, nor was one scheduled for XXXX. I promptly made the payment using the web portal and took the word of the rep that the next month payment would be applied correctly in XXXX. 

I received a txt on the morning of XX/XX/XXXX. from my bank saying my account was overdrawn. Looking at my online statement it appears that Nationstar DBA Mr. Cooper withdrew two payments. 

I called back in again to inquire with the customer service team. On the call the rep acknowledged the double payment and that I had called in on the previous day. The rep said they could not refund the payment until it cleared my bank in 1-2 days. She said that any overdraft fee could be refunded if I was charged one and offered to call me back in two business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX tx XXXX FTC violatons XXXX also
Product: Debt collection

Dear CFPB, I am filing a formal complaint against Caine & Weiner for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ).

Upon discovering this account on my credit report, I exercised my rights under FDCPA 15 U.S.C. 1692g ( a ) by requesting written validation of the debt. Despite my request, Caine & Weiner has failed to provide the necessary documentation, such as a detailed account statement, original creditor agreement, or proof of my obligation to pay. Instead, they continue to report this unverified and potentially inaccurate information to consumer reporting agencies. 

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable information. Furthermore, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) requires furnishers to conduct a reasonable investigation when a dispute is filed. Since Caine & Weiner has not fulfilled its legal obligations, I believe they are in violation of federal credit laws. 

Requested Resolution : Debt Validation I request that Caine & Weiner provide full validation of this debt, including a breakdown of charges, the original creditors information, and proof of my obligation to pay. 
Account Removal If they can not validate the debt, I request that this account be immediately removed from my credit report and that all collection activity cease. 
Consumer Reporting Update I request that Caine & Weiner notify all consumer reporting agencies that this account is in dispute or has been removed, as required by law.

CFPB Investigation If Caine & Weiner continues to fail in meeting its legal obligations, I request that the CFPB take appropriate enforcement action to ensure compliance with federal regulations. 
I appreciate the CFPBs attention to this matter and look forward to a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE RANKED ME WITH A XXXX XXXX SCORE, BECAUSE I HAVE NO MORTGAGE OR CAR LOAN INFORMATION. THE FACT IS... I DO NOT HAVE ANY OUTSTANDING MORTGAGES OR AUTO LOANS. I OWE NOTHING ON MY HOME, NOR ON MY VEHICLES. MY CREDIT REPORTS WITH OTHER AGENCIES ARE ABOVE XXXX. PLEASE HAVE A LIVE HUMAN BEING REVIEW MY INFORMATION AND MAKE THE APPROPRIATE CORRECTIONS. THANK YOU IN ADVANCE, XXXX XXXX XXXX, XXXX.
Product: Vehicle loan or lease

I have a NFCU auto loan that is not even 15 days past due. I get paid on the end of the month so I always pay the same month it is due. 
NFCU takes money form my checking or savings without my knowledge and applies it to this loan. 
Not only do they take any money that is in my account to apply it to partial payments, they charge me a late fee and overdraft fee 's after doing it. 

I tried to call and discuss this and was told it is a legal practice. I have a {$270.00} payment and they took {$37.00} out of my checking today which was the last amount that I wrote a check on the day previously so now I get a late fee and I also get bounced check fee 's because I did not know they were taking this out. 

thank you for looking into this. 

XXXX