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

Review attached XXXX XXXX XXXX and Confirmation Number : XXXX of information I received from XXXX on XX/XX/XXXX. I am a victim of the recent XXXX credit score error. The following public record was was deleted and removed from my XXXX credit report by XXXX on XX/XX/XXXX, but the public record has been reinserted on my XXXX credit report : Case or ID : XXXX, XXXX XXXX  XXXX XXXX, Minnesota. The Public Record thats currently listed on my XXXX and Experian credit report is not my public record. The XXXX XXXX  XXXX Account : XXXX with a balance of {$330.00} thats currently listed on my XXXX and Experian credit report is a fraudulent account. The XXXX XXXX  XXXX Account XXXX not my account. I did not apply for the XXXX XXXX XXXX Account. The XXXX XXXX XXXX  XXXX XXXX Account : XXXX is lost/stolen. The balance of {$270.00} on the XXXX XXXX XXXX  XXXX XXXX Account is all fraudulent transactions and not my charges. The following credit inquiries thats listed on my XXXX credit report is fraudulent, unauthorized, and not my credit inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XX/XX/XXXX
Product: Checking or savings account

I receive my paycheck via direct deposit. My direct deposit should have arrived in my account on XXXX in the amount of {$1500.00}. My bank, Capital One, has sent an email that they are have a technical issue with a third party. No other details we given other than it will be fixed as soon as possible. This is unacceptable! I, like many Americans, rely on each paycheck to pay bills and purchase food for my family. I am unable to care for my family while Capital one is holding my hard earned money due to a technical issue. Capital One needs to be more transparent as to the cause of the issue and a timeframe for correct as well as some financial assistance to those customers affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors 2. The contact information for the creditors 3. The name of the person who verified the item ( s ) for them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.
Product: Vehicle loan or lease

My vehicle ( XXXX XXXX XXXX ) was paid in full as of XX/XX/2018 ( account # XXXX ) with Bank Of America ( BOA ). I requested BOA to forward my address to the following : XXXX XXXX XXXX XXXX, CA. XXXX. My vehicle is registered in the state of XXXX. I spoke with supervisor ( XXXX at BOA ) regarding this issue. As of this date ( XX/XX/2018), I have not received my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days
Product: Credit reporting or other personal consumer reports

Affirm has violated FCRA rule, 611, section A Affirm has violated FCRA rule, 623 Affirm has continuously reported my financial history with their company incorrectly, and failed to adhere to the federal rules and regulations of reporting consumer credit history. Several guidelines have been violated in my case. The section below will explain in depth. 



Affirm originally charged off my accounts between XX/XX/XXXX, and XX/XX/XXXX. After that time, they obtained an agreement with XXXX XXXX XXXX agency, and sold my account to that specific company to collect on the debt. This was never reported to the credit bureaus at any point. Originally on XX/XX/XXXX, again on XX/XX/XXXX & XX/XX/XXXX ( Letter Receipts Attached ) I disputed this matter with the credit bureaus and never heard any response from the credit bureau or Affirm on this matter. Then on XX/XX/XXXX, Affirm decided to adjust the amount owed on my account to reflect the payment that I made to the collection agency XXXX XXXX. At this time Affirm was still in violation of my rights and violating the agreement that was made with the collection agency to settle for a lesser amount in order to have the account reported fully paid and settled ( Agreement and Payment Receipt Attached ) I called Affirm and discussed this matter and my case was not resolved but closed and dismissed. ) Affirm violated FCRA rule, 611 by not changing the status of my account with the credit bureau to a disputed status After 30, 60 or even 180 days of my original dispute. That is a clear violation of FCRA rule 623 on several occasions. They also did not adjust the amount of the charge off to a XXXX balance, according to US tax code 166.. 



If Affirm does not remove account numbers : XXXX XXXX XXXX XXXX XXXX From my XXXX credit report immediately I will be filing a civil suit in the XXXX county clerk of courts on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I asked the credit agency Transunion, XXXX, and XXXX to remove bankruptcy onff my credit. They have not provided proof that this is me. 
I asked to erase names and addresses that are not mine.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/XXXX, I have observed unauthorized credit inquiries on my report, prompting me to implement protective measures to safeguard my financial integrity. Initially, I froze my accounts across all credit bureaus and activated fraud alerts ; however, these measures also inadvertently hindered my ability to apply for new credit. Believing the issue resolved after an extended period, I lifted these restrictions, only to discover further inexplicable credit alerts in XXXX and XXXX. Consequently, I have reinstated a fraud alert and am now compiling this police report to document the unauthorized inquiries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to thereby ensuring comprehensive measures are in place to thwart any prospective security violations. 
The most recent legitimate credit check I initiated occurred in XX/XX/XXXX during the acquisition of a vehicle from XXXX XXXX ; after this event, I have encountered credit inquiries from companies with which I have no affiliation nor awareness. I am earnestly requesting the expungement of all spurious inquiries from my credit report. 

The fraudulent inquiries are 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 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
Product: Checking or savings account

I was on my phone with money lion. Trying to get a lone when somebody called me from money lion, saying they were representatives of money roar That's a part money lion They said they We're gon na give me a loan XXXX XXXX dollars So I gave him my bank account information. They deposited a check And to my account, that cleared and they had me send money back to them. I thought it was part of the verification process. Or something, and they stole {$750.00} from me.
Product: Debt collection

I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove
Product: Credit card

I made an online purchase on XX/XX/XXXX in the amount of {$730.00} item was delivered at the front door. I wasnt home when the package was delivered. I did get a email stating the package was delivered. The package was stolen off front porch. I notified the company that I didnt receive the package. I was asked to notify the XXXX carrier who delivered the package which I did to complete the investigation process. The carrier notified me a few days later he delivered the package at the front door. I than proceeded to call the Macys credit card dispute department asking if they can reship my package with a signature required. On XXXX XXXX And that was declined. So at this point I asked the company if I can file an another dispute on XXXX XXXX requesting a refund since the reshipment was denied. 
I was than getting letters in the mail stating the dispute was denied. And the investigation was taking 1 to 2 billing cycles so than I proceeded to reopen the dispute and i received yet another letter stating the dispute was denied I kept reopening this same transaction and filing the dispute ever time the company denied the dispute. All the way till XXXX XXXX I kept calling every week to get the status on the dispute and I was getting the run around and being on hold for hours just to wait for a super visor to say they will look in to this and see what they can do. They would pass me over and over to another agent I would be on hold for hours.just for this not to be resolved. and that the company made there final decision and the dispute is denied. That theres nothing the can do. I told over and over Im not going to be responsible for a purchase that i didnt receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and disputing this unauthorized fraudulent incorrect account. 
XXXX XXXX XXXX XX/XX/2022 Total {$660.00} I have stated multiple times I do not have a car. I do not drive. I do not own insurance or had to have insurance for any reason in the past 7 years. This account is fraudulent I did not open it I am not aware of this account. I do not own this account. This is identity theft and fraud. I also called liberty mutual to have this information removed as well. This is hurting my reputation and my livelihood.
Product: Vehicle loan or lease

On XX/XX/XXXX, we traded in the XXXX XXXX XXXX for a XXXX XXXX XXXX at Capital XXXX of XXXX , XXXX. ( will be referred to as Capital for the remainder of this document ) Capital stated they would send payment in full to Kia Finance the next day. Because it was right before the holidays, we were aware there may be a delay in payment being received by Kia Finance but we ( my daughter and I ) would not be responsible for any additional payments to Kia.

I received a call from Kia Finance in XXXX stating my payment on the XXXX was 30 days late and I needed to make a payment immediately to bring my account current. I explained that the car was to be paid off in full by Capital and the payment may be late due to the holidays. Kia stated I will continue to get calls until they received payment. 
I then received a call from Capital stating there was an error in the paperwork sent to Kia Finance, so the check was returned ( which explained why Kia Finance stated my account was overdue ). Capital confirmed they corrected the error and sent the updated paperwork to Kia Finance. My daughter was communicating with Capital via text message to rectify the situation as well. It was our understanding Kia Finance received full payment soon thereafter. 
I received an alert from XXXX ( creditors ) stating my credit ( XXXX ) score dropped 85 points. When I reviewed my credit history, it stated the reason for the drop was Kia Finance. On XX/XX/XXXX Kia Finance lists my account is 30 days past due AND on XX/XX/XXXX, KIA Finance lists my loan is paid in full. Please confirm how my loan is in arrears and paid in full at the same time. When I called Kia Finance to get confirmation, the automated system stated that my account was paid off XX/XX/XXXX, because the check in the amount of {$28000.00} was received on XX/XX/XXXX. 
I also received a letter from Kia dated XX/XX/XXXX indicating the Kia is paid in full. ( attached )
Product: Credit reporting or other personal consumer reports

My loan was transferred from XXXXXXXX XXXX to SPS servicing back in XX/XX/year> SPS reported this loan XXXX to my personal credit while this loan was orginated and vested under my XXXX SPS has been very slow to correct this error and it has caused my personal credit to plummet as it shows as a debt SPS gave me several false notifications on the progress and till date has not resolved this issue XXXX XXXX ( the original loan originator ) has already emailed me and SPS and I have emailed SPS all the documents over XXXX weeks ago as SPS has requested and still no progress I want a severe penalty on this bank for complete lack of transparency, broken e process and terrible customer service This should not have happened as it has brought my credit score under XXXX and it has prevented me to get new products and operate my life normally
Product: Credit reporting

In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, XXXX, and Equifax. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Student loan

XXXX graduate with $ XXXX in student loan debt Accepted position with XXXX with consideration of Public Service Loan Forgiveness ( PSLF ) program Condition of employment also included Student Loan Repayment Incentive PSLF program and Student Loan Repayment Incentive only available to " eligible '' loans per Department of Education Successfully received Student Loan Repayment Incentive for maximum time of 2 years Per XXXX XXXX direction, tilized Income Based Repayment ( IBR ) Plan to make payments towards student loans since fully amortized monthly amount is unaffordable. Confirmed that IBR Plan was acceptable repayment method for PSLF IBR requires yearly application to ensure eligibility Each year ( 5 years ) IBR status was reconfirmed as well as eligible PSLF status Continuously received affirmation from XXXX XXXX representatives that my loans were being paid towards PSLF 6th year an online PSLF verification form became available Received sudden denial of eligibility for PSLF HOW? 
6 year XXXX with at the XXXX with all on-time payments
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report which they will not remove. I have provided my identification and proof of my residency and they have not complied with federal law. My name is XXXX XXXX there should be no other names or variations on my report because it is identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other address listed remove them immediately its causing me to be denied credit because it does not match what is accurate.
Product: Debt collection

I am disputing this paid collection reporting bye Augusta Collection Agency. This account was closed and returned to XXXX XXXX XXXX. They have no legal right to report anything. 

Please see the attached documents for greater details as there is not enough space here
Product: Credit reporting or other personal consumer reports

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

Credit collection Service : 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Deposited a check. Check been on hold and unavailable for over XXXX  days. 

I was payee along with XXXX XXXX. He signed the check over to me with as the check is all my funds. 

Chase put a fraud hold and will not accept calls from his number. I asked to for him to go to bank with ID but chase wont accept in person. 

XXXX finally got a phone in his name and now they wont accept that number either. My credit has been hurt bye to missed layover the past month of not being able to access funds.
Product: Debt collection

Receivable Solutions Inc has repeatedly called even after we stated that this debt is past the AR statute of limitations for medical debt collection. The first day we spoke to them, I told them that this was past statute of limitations and un-collectible and not to call again about this debt ; they called back a few minutes later, and at that time I told them that I was filing a complaint with the government. Then calls came everyday. 
# XXXX .. XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX
Product: Student loan

hello how are you I have student loans and it was very expensive to pay back I try to get loan forgiveness but they did not take the payment to close the loan please contact me because I have trouble with the bank and I have a deceased relative I donot know who is watching with the story it is not a good experience the people get in the house and I have a relative in a XXXX XXXX  they would not release the patient
Product: Debt collection

I called XXXX XXXX and asked them to contact Portfolio Recov Assoc, and tell them that I have resolved the account with XXXX XXXXXXXX. I was told to send all Info to XXXX XXXX and it would take XXXX months not XXXX days to resolve this. I only owe XXXX  XXXX XXXX dollars and Portfolio Recov Assoc states I owe the XXXX dollars along with verbage like SERIOUSLY PAST DUE DATE, ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT XXXXXXXX XXXX XXXXXXXX ; XXXX INTERNAL COLLECTION DEPARTMENT. This statement by Portfolio is on my XXXX Credit Report and I have disputed it and it still remains. I have all documentation to back this up and It will be attached.
Product: Payday loan, title loan, personal loan, or advance loan

I mailed a check from a XXXX loan to pay upstart personal loan off. I mailed the check on XX/XX/23 and they received it on XX/XX/23 ( per tracking USPS ). I received verification from XXXX loan company that the check was cashed by upstart. I have contacted upstart by email and phone on multiple dates ( XXXX, XXXX, XXXX ) to find out why it hasnt posted to my account and also sent them emails with proof of delivery and proof they cashed the check. Their response is not helpful and states if the issue is not resolved, I may receive a call from a team member. I have not received a call and have continued to call to resolve this. They state they will investigate and nothing is getting resolved. They stated it was mailed to the wrong address, however it was mailed to the address on my loan documents that is provided for mailing checks. I have to continue to make payments and they now owe me money and are refusing to resolve this.