23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2024, a fraudulent purchase of {$900.00} with a {$220.00} down payment and four interest-free installments was made on my Affirm account. After reviewing my account, I was shocked to discover that a purchase was made to XXXX XXXX XXXX. Affirm approved the loan and provided a loan number : XXXX. The down payment was {$220.00}, paid on XX/XX/2024. 
I contacted Affirm and alerted them that I had not made this purchase and that they should investigate and remove all charges, including canceling this order. They advised me they would take a closer look and investigate the matter and would email me their findings. After a few days, I received an email from Affirm concluding that I was responsible for this loan. I have contacted them again ( 4 times ), and each time, they returned with an email concluding I was responsible for this loan and suggested contacting the merchant, XXXX XXXX XXXX. I took their advice and contacted XXXX XXXX XXXX, the merchant. XXXX XXXX XXXX confirmed they had no record of any order under my name or email associated with the loan number provided. The merchant, XXXX XXXX XXXX, initiated a three-way call with Affirm and myself and informed Affirm that they, the merchant, had no record of any order under my name, my email, or that loan number, and they requested to remove this loan and cancel the order. Affirm then advised us that they will go under further investigation again with no promise they will remove this fraudulent loan even though the merchant told them it is a fraud order. I was advised by the merchant to contact you because they also felt that Affirm is not willing to resolve the issue. At this point, I have no choice but to seek your assistance in resolving this issue due to the fact that Affirm shows the first payment due on XX/XX/XXXX, followed by the rest of the payments on XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a more concise update of case numbers XXXX and XXXX after the conclusion of XXXXXXXX XXXX  investigation. 
I have discovered US Bank is the one who took the money out of my account AND they reported my card stolen even though it was not used and is still in my possession. 
On XX/XX/XXXX I made a purchase, I thought it was overcharged so I called the bank to see if I had any recourse, they told me since the card was swiped and it was not unauthorized it was not fraud and I should deal with the merchant, which I did, a week later I got a refund marked " maestro '', which they said was XXXX. On XX/XX/XXXX there was a deduction for my account for the same amount also marked " maestro '' so I assumed that XXXX unfunded the refund. I now discovered that US bank opened a complaint on XX/XX/XXXX even though it was unfounded, and took my refund on XX/XX/XXXX. 
XX/XX/XXXX I filed a Fraud complaint about that missing money which they dismissed on XX/XX/XXXX, refiled it officially on XX/XX/XXXX and reported my card stolen on that date, even though my card was not used. 
They took my money led me to believe somebody else did it and then reported my card stolen which it wasn't. 
Is this not theft by deception and Fraud? 
Now I can't even get them to send me a replacement debit card to the correct address, which is issue of incompetence. 
I am XXXX  and in poor health living in a rural area XXXX miles from the nearest bank and I do n't drive. I'm stranded with no money. Please prosecute them to the fullest extent of the law and expedite the return of my money. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information incorrect on my credit report. I call and sent a certificate letter. XXXX   XXXX  XXXX XX/XX/2013. This is not my account. Fraud
Product: Debt collection

Oracle Financial Group in XXXX, NY made a credit card charge despite my express instructions not to make the charge. In addition the amount was higher than what had originally be agreed upon. 

I was called a " XXXX '' by one of their employees.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters informing XXXX XXXX and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My account was randomly frozen in 2022, and after contacting customer support, the most info I received was that something triggered an automated system that said I violated their terms of service. They said that was all the info they were able to provide, and there was no process to appeal or reinstate my account. I made it clear that I was a XXXX  member who used my account to pay for snacks or pay coworkers back for lunch.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$6500.00}
Product: Checking or savings account

Im currently a business account owner with US BANK, almost every single transaction whether it amounts to XXXX dollars or {$500.00}, the bank is always declining my transactions. They refuse to allow anything to go through and Im always on a roller coaster of experience when attempting to make a purchase using my card. I have never experienced any fraud or anything with this account yet US BANK takes it a problem themselves to block every single transaction. 

Recently, they declined the transaction from XXXX XXXX in the amount of {$130.00}, it took the money out of my balance and did not reflect on processing transactions. 

I attempted to contact the bank on XXXX XXXX and XXXX XXXX  so so I can get the gifts that I needed however, no one was available to help out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company numerous times. They have affirmed that they will remove the negative information as my acount XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) was paid in full on XXXX and XXXX of 2023. They send me a letter stating that a letter was send to all bureaus to have this corrected. However, its XX/XX/2023. My credit has been affected drastically by an account that should be reporting positive. I will upload the letter and proof of a check they send me as when I paid the full amount there was a change of XXXX cents. Please remove XXXX and XXXX late payments. As there was never a late payment as the acount was already closed. I decided to pay the charge off and it looks like it has affected me worst. Please fix this immediately
Product: Credit reporting or other personal consumer reports

I am filing this dispute today as TransUnion has violated FCRA laws in regards to a collection account on my credit report. 


I first disputed this " XXXX '' collection account with TransUnion via mail on XX/XX/2023 ( attached and labelled as XXXX ) and on or before XX/XX/2023 TransUnion deleted the account ( see credit reports attached labelled XXXX & XXXX ) as seen in the reports attached, the account is no longer reporting on the report dated XX/XX/2023. 


Then sometime between XX/XX/2023 and XX/XX/2023 TransUnion placed the account back onto my consumer report ( see report attached labelled XXXX ) without giving any notice whatsoever, let alone the 5 days written notice as required by the FCRA. 


On XX/XX/2023 I sent TransUnion a letter bringing this violation to their attention via certified mail ( see attachment labeled XXXX  ), which they received on XX/XX/2023. 

TransUnion did not send me any response to this dispute/notice, only a credit report stating the account is verified as accurate, completely ignoring the fact that they illegally added back a deleted account from my report. 


I am requesting that this account be removed from my report immediately. 

If not, I am ready and prepared to take legal action against TranUnion for the violations they have committed and continue to commit. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was lied to about shoes. A man on XXXX was saying XXXX   for XXXX dollars. I texted the number he gave me his XXXX app name and disappeared. He stop responding and blocked me from everything. I have screenshots of everything we talked about. I went to XXXX app and they said there was nothing they could do and to contact my bank. I called Capitol One and they told me to wait until it clears and then dispute the charges. I dispute the charge but they tell me there is nothing they can do either because I transferred the money already.
Product: Checking or savings account

I had previously filed a complaint, CFPB case number XXXX, because M & T Bank had refused for over six months to update my account with my new address and was knowingly sending personal and confidential information to my old address. I filed my complaint as I was concerned that M & T Bank would send my XX/XX/XXXX XXXX tax information to my old address. M & T Bank response to my complaint did not make any sense but as part of its response M & T Bank stated that it had updated my address in its records and that my XX/XX/XXXX XXXX tax form would be send to my correct, current address. Specifically, the XX/XX/XXXX letter they sent to me states : " the address has been updated for any applicable year-end tax forms. '' However, my address was not updated and M & T Bank willfully and knowingly sent my year end XX/XX/XXXX XXXX tax information to my former address.
Product: Credit reporting or other personal consumer reports

While checking my credit report I notice an inquiry that I did not authorize. 

The following inquiry : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed AT HOME credit card account with Synchrony Bank that has a remaining balance but I'm currently in the process of paying it off. My daughter and I were both hospitalized due to XXXX. I lost time from work and my paycheck was affected due to it. 
I was coming up close to being 30 days late on my at home card payment, so i called into their customer service dept. I was told by the rep that as long as i paid the past due amount of {$100.00} by XX/XX/XXXX i would not get a 30 day late reported to the credit bureaus. 
He said the call is recorded and he was 100 % positive that i would be ok. 
I made the payment by the date he specified on XX/XX/XXXX, the money has been removed from my account. Today XX/XX/XXXX i got an alert from XXXX credit monitoring service that AT Home/Synchrony bank reported a 30 day late on my credit report. 

I have never been 30 days late with Synchrony bank on any of the cards i have with them. this also has caused my credit score to drop XXXX points. I was in the process of refinancing my house and this will literally stop that from happening. I was told what to do by the CSR rep for Synchrony and I paid what i was told to pay and on the date he said to!
Product: Credit reporting or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX
Product: Checking or savings account

I signed up with CIT bank FDIC number XXXX and it says my login does not work after it took {$500.00} from me when I transferred it to open the account. I have tried calling multiple times and the wait time range from 150 minutes to 345 minutes. I need help. I feel as my money has been stolen from me and I know I am not the only one. If you go on their XXXX you can see other people are having problems as well. Please look into this and help up.
Product: Credit card

XXXX XXXX ; XXXX ; XXXX ; USAA issued me a credit card 13 years ago. On the anniversary of the card USAA sent me a bill for the renewal annual fee ( {$29.00} ). I had n't used the card in years ; it had a zero balance ; and I called the company and cancelled the card. The rep acknowledged that the card would be cancelled but that I had to pay the annual fee. The fee was prospective, not retroactive, and I objected to paying a fee for a card I no longer would have or use. They threatened to adversely affect my credit rating if I did n't pay. I think it 's an illegal fee.
Product: Debt collection

XXXX XXXX XXXX, amount for {$2600.00}. I have sent XXXX XXXX XXXX, XXXX a debt validation on XX/XX/XXXX and XXXX XXXX XXXX, XXXX did not respond to my demand. I then received a court letter from Lustig Glaser and Wilson, P.C. stating I was being sued. I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

I am very very upset because XXXX and Ameris Bank because they have caused my credit score to drop XXXX points because of inaccurate information being reported. I have disputed this Ameris Bank Account ( XXXX ) and the balance is {$0.00} and you all made an error and insert a unauthorized balance of {$7800.00} balance on my credit file, causing my credit score to drop XXXX points. Before I disputed this account, it was {$80.00}, which was still incorrect. I am HIGHLY upset and is about to seek damages through litigation because the balance is {$0.00} and have been like that for over two months now. I am requesting for this account to be updated immediately or to removed from credit file immediately, if you all can not comply with 15 USC 1681 or HJR 192 of 1933 acts. Please comply immediately. Thanking you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously reports inaccurate information on my credit report. They keep reporting the name Washington XXXX XXXX on my report, that is not my name, nor have I ever been married. They claim they received this information from XXXX XXXX, which is incorrect. They also report XXXX XXXX  XXXX, that is not my name. 

They are also reporting an address of XXXX XXXX XXXX XXXX, XXXX  XXXX, which it has been over seven years since I lived at this address. I moved out of this residence XXXX of 2015. XXXX XXXX XXXX XXXX, XXXX  XXXX is also not correct, the address contained an apartment number which is listed on the report. 

I also am requesting that the following medical accounts on my report be verified for complete and accurate information and removed if they can not be. I have disputed these accounts and have never received anything that verify these accounts belong to me. 

XXXX XXXX XXXX Account number : XXXX This company is not even authorized to collect debt in the state of Ohio due to not having a business license in the state. 

XXXX XXXX Account number : XXXX