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

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account DEPT OF EDXXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is the third Company that has tried to receive payment from me about this false account that is not mines. I've had this removed from my credit file two times from all bureaus. This is definitely against the law for even attempting to collect on a debt one. I am so so tired of this.
Product: Debt collection

I am writing this letter to express my deep dissatisfaction and concern regarding the lending practices of Net Credit. I believe I have been subjected to predatory lending tactics, and despite reaching a settlement with Net Credit in XXXX, my payments have not been acknowledged properly. Additionally, I have been coerced into another agreement that I did not sign, further exacerbating my financial situation. 

Firstly, I must emphasize that I was involved in a settlement with Net Credit, that XXXX XXXX XXXX had made while working on my behalf ( please find settlement agreement attached ) Net credit agreed to a settlement in the sum of {$2300.00}. Of that settlement {$2300.00} has been paid to NetCredit which is not reflected on the balance shown on my credit report. The actual balance owed is {$26.00} ( please find proof of payments attached ) I lost the settlement in XXXX during the pandemic when a draft did not get processed while I was living in XXXX due to the pandemic. On my return I was informed the settlement was lost for the {$26.00} I owed. I did attempt to call Net Credit to reinstate the agreement to pay the balance of {$26.00}, but they coerced me into another agreement of {$2400.00} that I did not sign nor wanted to do, I hung up the phone due to the aggressive tactics. And yet they still did not acknowledge I had already paid {$2300.00} and will send the balance of {$26.00} to close this, saying that doesn't count anymore. 

Despite providing clear evidence of my payments, I have not received any acknowledgment or adjustment in my account, leading me to believe that Net Credit is purposefully neglecting to update my records accurately to hurt my credit and accuse more money out of me than agreed in XXXX. This not only creates undue stress and uncertainty for me but also calls into question the ethical practices of Net Credit. 

I demand the following actions from all credit reporting agencies : 1.A thorough investigation into my account to rectify the discrepancies in my payment records and provide an accurate account statement reflecting the payments I have made. 
2. The removal of Net Credit on my Credit report with your agency An immediate termination of the unauthorized agreement that was forced upon me, along with the removal of any associated fees or penalties. 
3. An assurance from Net Credit that no further unauthorized actions will be taken regarding my account, and that any changes or agreements will be made with my explicit and informed consent Lastly I will pay the {$26.00} which was the balance due on the settlement I agreed to on XX/XX/XXXX I expect the removal of Net Credit on my Credit report 30 days from the date of this letter. If my concerns are not adequately addressed, I will have no choice but to escalate this matter to relevant consumer protection authorities and seek legal counsel to protect my rights as a borrower. 

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

I contacted Experian after being denied housing due to my credit report. After imitating several disputes and spoken with a customer rep. I requested a copy of the consumer contract of all account that are affecting my account negativity as well as the the companies that have pulled an hard inquiry on my credit without my consent and the customer rep refused to mail it to as well as any other information that would verify that these are my accounts. Or I have given the companies permission to access my account and pull a hard inquiry The companies are- whom are negatively reporting XXXX XXXX XXXX and the actual debt had already been reported once and removed and.now being reported again. 
The customer rep refused my right to exercise my rights according to the la The hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspecified reason XXXX XXXX XXXX XXXX XXXX XXXX- unspecified reson XXXX XXXX XXXX - unspecified reason XXXX XXXX XXXX XXXX XXXX unspecified - XX/XX/16
Product: Prepaid card

XX/XX/year> Vanilla Gift card Visa, You can make an initial transaction on the gift card but they will make you leave a balance and deny additional transactions to leave money on the card and make it so difficult to use and give no recourse but to leave it. It is just theft of money. Vanilla Gift card should process all transactions and allow access to all funds until the balance is XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} XXXX XXXX BALANCED {$6500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

On XXXX XXXX, 2015, someone deposited ( not me ) XXXX bad checks into my account and also took the money out. I did n't notice my card was missing until the next morning and did n't discover any of this until I tried to use my card. If you look over the history of my account, I usually pay bills then pull money out ( overdrawing it ) until my next pay check. I do n't deposit bad checks. The activity on the account is not usual. I do get emails and text messages for unusual activity however ; I did n't get any text messages. I did get an email but I did not check them because I did n't have much power on my phone. That day all of this was going on, my lights were off. I made arrangements with the cash I had on me and was scheduled to make a payment on XXXX/XXXX/2015. Because of all of this my lights are off, I have a payroll check that I ca n't get any access too and I have XXXX kids. I have filed a police report and possible names of people who could have possible done something to my account. I have cooperated as much as I can and I have no assistance. My account is about to be closed for something that I have not done and I need my money to take care of my kids. Please help me fix this problem quickly. More importantly, help me get my lights back on TODAY. They have been off since Monday since I did n't keep my arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX loan should be updated as closed and paid off. Document as proof attach
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, the option should be on here the way Credit Bureaus are factoring our scores. I see this is not one of your options, so here is my complaint. I paid my Mortgage off and all three Credit Bureaus decreased mine and my Husbands score by 40 or more points therefore leading to some of my credit cards decreasing my limits due to my falling credit score making it even worse. There will probably be more to decrease my limits. I would like to know why in this country are you penalized for using credit then your penalized for paying that credit off? This makes absolutely no sense what so ever. The factors should be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Reached out to XXXX XXXX  XXXX XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This company threatned me and then sent me a text saying to verify information. When I did and also called they are saying the last 4 of my social is XXXX. This is incorrect. 

This is not my debt
Product: Credit reporting or other personal consumer reports

Citi Bank is the creditor in the case. They have reporting information on my credit report to all XXXX major credit unions incorrectly. This account information is inaccurate.
Product: Debt collection

I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. CITIZENS ONE XXXX - 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 me or CITIZENS ONE customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.
Product: Credit card or prepaid card

We completed a home equity loan with XXXX XXXX XXXX to consolidate our debt because like most the pandemic hurt us financially. Two of the items in the consolidation was a XXXX retail credit card and a XXXX XXXX XXXX credit card both are backed by Comenity Bank. Both checks were sent to Comenity and both were cashed successfully on XX/XX/2022 and one check was applied correctly to the XXXX card so that is paid off. Our XXXX XXXX XXXX card was paid with check # XXXX for the amount of {$3400.00} and per confirmation of XXXX the back of the check was endorsed with the stamp for Comenity bank. The check was referenced to my name and my card number. Actions taken have been I have sent two secured messages and neither were helpful and had nothing to do with my concern. I replied a follow-up and have not heard back. I have called 5 to 7 times no joke and I either get told someone doesnt know, I get hung up on when they transfer me. Or they are just plain rude. I was told that it would be 48 hours to show, didnt happen, then I was told 10 to 15 days, didnt happen, inconsistent. My last call on Tuesday XX/XX/2022 they setup and investigation that can take 30 days but they said I still owed them a monthly payment or fees and interest would be assessed, so I made that today XX/XX/2022 because they couldnt help me. I wasnt given any case number or confirmation they just said they would communicate through mail, they didnt even verify they have the right address on file or anything. I need this money found because my home equity kicks in soon and I have to start paying that and cant afford both payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( USA )/ XXXX XXXX, NA Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXX XXXX  Account number XXXX, XXXX XXXXF XXXX Account XXXX XXXX , XXXX Account # XXXX , XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Subject : Complaint Regarding Inability to Close Account with Affirm Dear CFPB Representative, I am filing this complaint against Affirm ( XXXX XXXX XXXX  ) regarding my repeated and unsuccessful attempts to close my savings account ( # XXXX ). 

I first requested to close my account on XX/XX/XXXX, and since then, I have contacted Affirm multiple times through email, phone, and online chat, but my request has not been processed. The following Case ID numbers document my attempts to resolve this issue : XX/XX/XXXX Case ID : XXXX XX/XX/XXXX Case ID : XXXX XX/XX/XXXX Case ID : XXXX Despite these documented cases, Affirm has failed to take action or provide any justification for not closing my account. My most recent statement ( XX/XX/XXXX XX/XX/XXXX ) confirms that my balance is {$0.00}, and there are no pending transactions that would prevent closure. 

I believe Affirm is intentionally delaying account closures without valid reasoning, which is both unfair and unprofessional. I request CFPBs assistance to : 1. Ensure Affirm immediately processes my account closure and provides written confirmation. 


2. Investigate Affirms failure to respond to my repeated closure requests, despite my multiple documented attempts. 


3. Hold Affirm accountable for failing to follow proper consumer banking practices, ensuring this issue does not continue for other customers. 



I have attached my latest account statement as evidence of my XXXX balance. Please take action to ensure Affirm complies with consumer protection laws and banking regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 USAA Bank withdrew, without authorization, enough money to overdraw our checking account, causing a large number of Overdraft Fees. The amount of the withdrawal was {$300.00}, and the total amount of overdraft fees caused by that withdrawal was {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : XXXX, Transunion & XXXX, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Toyoyta financial Is charging of my account for XXXX for a 2015 toyoyta Camry that was a total lose due to a crash the XXXX XXXX XXXX insurance company along with gap insurance company payed off My account
Product: Credit card or prepaid card

I was using XXXXXXXX mobile application and play some online game for amount deposited i use my chase credit card as they accept all types and all bank card. And I made several transaction in past month And i see today for all truncation they charge me cash advance transaction fee and interest cash advance fees for almost XXXX $ each transaction. And they didn't notify anything bank say the transaction process by merchant were cash advance. when i talked to merchant they said they processed as regular transaction and there should not be any additional fee they are charging or bank should charge. And i called bank twice and explain they situation to dispute the transaction but they are not listening.
Product: Credit card or prepaid card

Sofi XXXX it seems they are in a lot of hurry to introduce new products without doing much home work. It took almost 2+ weeks for me to open the credit card with them. Yesterday I tried to open a dispute for a merchant. There is no online dispute method. Chat people don't help. Telephone support - lots of wait time. Finally telephone people is trying their best not to work for the customer by stating " please call the merchant ''. I told her that there is a wait of more than XXXX hours to talk to the merchant. How i can submit the documents for this dispute? She had no answers. 

XXXX XXXX XXXX at XXXX TX over charged my credit card on XXXX XX/XX/2022. XXXX was suppose to charge me {$15.00} but they charged me {$27.00}. I told XXXX person at that time only but she said - " it's been taken care of ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I notice on my Credit reports starting XX/XX/XXXX to present XX/XX/XXXX that the two Bankruptcy are on my credit report. According to the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as supported by 15 USC 6801, which mandates that financial institutions must protect the privacy and security of their customers ' nonpublic personal information. 

XXXX and Experian, as consumer reporting agencies, are required to follow these guidelines. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reports may only be provided under the written instructions of the consumer involved. Since XXXX, Experian, and any financial institutions supplying information to these agencies do not have my consentwritten or otherwiseto share my information, all forms of consent I may have previously given are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of nonpublic personal information disclosure to nonaffiliated third parties. I have not been provided with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years, which means the reporting of this account without my consent is unlawful.

Per 15 U.S. Code 1681s-2 ( a ) ( 1 ), no one should furnish information to a consumer reporting agency if they know or should reasonably know that it is inaccurate. Consumer reporting agencies, such as XXXX, XXXX, XXXX and Experian, are required under 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of section 1681c and ensure reports are only used for authorized purposes. 

Since XXXX and Experian have not adhered to these requirements, I am exercising my right to opt out of their reporting services, as allowed by 12 CFR 1016.7.
Product: Debt collection

I hired a law firm named XXXX XXXX XXXX to help me take care of it and unfortunately they did not do anything for me I spent a XXXX dollars a month for 5 months and nothing was resolved along with they do not have a signed physical copy of the agreement made by me
Product: Debt collection

I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.