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

Account : XXXX XXXX # XXXX ( {$370.00} per month )XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to TransUnion, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to TransUnion, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Product: Debt collection

Case was closed in couple years back. Do not know why this is still on record and why I'm being mailed letters from debt in 2016. The case was handled by an attorney.
Product: Money transfer, virtual currency, or money service

XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, Complained about continuing inability to access my account. The following error message continues to show up and Coinbase support replies do not address the issue and tell me thanks for submitting my request and that they'll be in contact with me. Then they tell me they resolved and closed the case and ask me is the issue was resolved. When I tell them no it wasn't resolved nothing further happens. 

" Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status '' Ongoing problem for 4 months, can't access my account to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Product: Credit reporting or other personal consumer reports

Quite simply, how many Experian credit reporting agencies are there? Please whatever they do, I dont need anymore free credit reports. Minorities already are behind the XXXX ball with the credit scores.
Product: Debt collection

I am writing to dispute several hard inquiries listed on my credit report, which I believe are the result of unauthorized access to my personal information due to a data breach. These inquiries were not authorized by me and were made without my consent. I request that these inquiries be removed from my credit report pursuant to the following laws : 1. 15 U.S.C. 6802 : This section of the Gramm-Leach-Bliley Act protects consumers by restricting the disclosure of nonpublic personal information, which includes personal data involved in data breaches. Unauthorized access to my personal information violates these protections. 
2. 45 U.S.C. 1681b : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reports may only be accessed for permissible purposes. The inquiries listed on my credit report were made without my authorization and do not meet the legal requirements for permissible purposes. 
3. 18 U.S.C. 1028A : This section criminalizes the unauthorized use of personal identification information. The fraudulent hard inquiries resulting from the data breach constitute a violation of this statute. 
The inquiries in question were made by the following institutions on the following dates : XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX XXXXXXXX XXXX XXXX Since these inquiries stem from unauthorized access to my personal information, I request that you remove them from my credit report immediately. The presence of these inquiries on my credit report is damaging and a direct result of identity theft.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained through the authorized channel on XXXX from XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b. 
As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.
Product: Credit reporting or other personal consumer reports

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of XXXX. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in lights of reason CSPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times the reports discrepancies, my financial institution and sales failed to investigate my claims adequately. they informed me that recovering loss funds was impossible and tracking these transactions was unfeasible. the the CFPBs findings indicate that Zelle has not only neglected to protect customers consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and rises. Serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, KOHLS/CAPITAL ONE XXXX
Product: Credit card or prepaid card

Closed a store card with  XXXX ,   XXXX   XXXX  , and paid the account in full. Bank charged a late fee despite account being closed and having a  XXXX  balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a   XXXX    balance.
Product: Credit card

I applied for XXXX credit card to take advantage of a XXXX dollar rebate if the purchase was placed on the card, I did that and followed all the instructions to get the rebate and now the rebate forms cant be found by the company.
Product: Checking or savings account

I deposited a check of {$2500.00} to my money market savings account at Ally Bank using their app on Sunday, XX/XX/2019. As of XX/XX/2019, the deposit was marked as approved, but the funds were not available. After getting no reasonable response from their chat feature I called them and they informed me that the check was still processing. And they could put in a request to expedite the process. On XX/XX/2019, they made only {$200.00} of the {$2500.00} available to me. I did not actually get full access to the funds until XX/XX/2019. I finally received an email from them explaining that the deposit was handled according to their policy on XX/XX/XXXX, so I assume that many other customers are having the same issue.
Product: Prepaid card

I received compensation from Bank of America for funds that were recovered but not for the time it took for me to receive the funds I received a letter from them stating that if I felt I needed futher compensation to respond the compensation with proof of why I felt this was needed from them. After receiving this letter I responded with my wants and the reasons why and all my past due bills that I couldnt pay due to not having access to the account. They responded with an email stating that they didnt feel I should receive what I was asking but sent a check in the amount of around XXXX dollars for interest on the money that was recovered.
Product: Debt collection

I was contacted by XXXX XXXX around XXXX to XXXX of 2023, prior to being inform by my prior leasing office of where to pay my collections to. After receiving a letter of confirmation about my debt from XXXX XXXX and my leasing office confirming that was the company they use, I set up to submit payments to XXXX XXXX. My debt is over {$3000.00}. 
Ive received a letter from National Credit System , Inc. on XX/XX/2023 for the amount of XXXX. I am very aware under Section 807 of Fair Debt Collection Practices Act. To me, the letter I received is misleading as I dont have the original copy where I agreed to the debt that is being listed. I also have been called more often by scam likely caller posing as debt collectors which is why I asked for all information in writing.
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 items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX Balance Owed : {$52000.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$1100.00} MXXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX  Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A LOT OF FRAUDULENT INQUIRIES ON MY EUQUIFAX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE FROM MY CREDIT REPORT.
Product: Checking or savings account

An unauthorized user forged my name on a check made out to me only and cashed it by depositing in my checking account VIA an ATM at the branch I opened the account at and emediatly withdrew {$1200.00} from my account and continued to make cash withdrawels and debits totaling over {$5400.00}. I was the accounts only authorized user. I have a copy of the check showing that it was an obvious forgery and I was XXXX at the time of all transactions. I have went to the bank and told them I did not make these transactions and I want my money back and they said there is nothing they could do about it. As a result of this, it caused me to become homeless and struggling to survive for the past 2 years at age XXXX. I asked the bank manager, You mean to tell me that a person can come to the bank forge my name on a check deposit it and emediatly withdraw {$1200.00} cash and continue to make cash withdrawals from my account and make debit transactions totalling over {$5400.00} in 10 days and no red flags that anything is wrong.
Product: Credit card or prepaid card

I paid my XXXX Capital One credit card on time, but the credit card company delays the date it posts the checks to the date that the interest charge is made, the very same XXXX they post the interest charge just before XXXX of the XXXX checks they require me to send XXXX I use the credit card for my children 's charges, parent 's charges, a small business charge & my personal charges. They lose some of them, post them late to deliberately get an interest charge. 

This XXXX because of the poor service, I sent the checks to clean up the whole account, including the bogus interest charge they put on last XXXX, but they are again delaying the posting of the payments, which mailed XXXX XXXX XXXX 

I know for a fact they are losing some of the checks as XXXX never showed up despite mailing on the same XXXX 

Other items I mail have rarely been lost & seems wrong that XXXX XXXX in a row they are losing or not posting checks I send. I have had this company for many XXXX & have not had interest charges before, let alone XXXX XXXX in a row. I can't fix them, they need to fix themselves & I have contacted them & pleaded my case more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus XXXX and TRANSUNION but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXXXXXX XXXX XXXXXXXX {$330.00} Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. Furthermore, Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Payday loan, title loan, or personal loan

On Mon, XX/XX/2023 at XXXX XXXX  XXXX XXXX XXXX wrote : My account should of been unsuspended due your company errors. This has been going on now since XX/XX/2023, with nothing but the run around due to someone tried to use my affirm debit account for the amount of {$44.00}. Now my account suspended due to this. I have uploaded my ID to identify myself still have not heard from anyone. Now affirm debit fraudulently took {$110.00} from my suspended account with the attached bank statement showing it was taken on XX/XX/2023, which I did not authorized. Also for the same account affirm debit account a refund was given by XXXX for the amounts of {$18.00} and {$48.00}. My total contract amount was {$110.00} and with a refund of {$18.00}, {$48.00} from XXXX back to the aff rim debit account and also debited {$110.00} from my bank account. The company is holding my refund of {$61.00}. I will be filing a complaint with the XXXXXXXX XXXX XXXX and also to my bank. 


I expect for this matter be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX On Sat, XX/XX/2023 at XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting Affirm. 

We are excited to confirm we have received your request to recover your Affirm account. We understand how important it is to have access to your account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that expires in 3 days. You will need to submit clear photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 7 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any additional questions or concerns, please contact us through the Affirm Help Center at affirm.com/help or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX and XXXX XXXX  XXXX seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center
Product: Debt collection

XX/XX/XXXX - XX/XX/XXXX debts were paid by debt collection through health insurance agency and debt collection. {$0000.00} balance due!
Product: Credit reporting or other personal consumer reports

I paid off my balance with Affirm with funds from a cash out refinance. Payment was sent via Escrow. The check has been cashed by XXXX. 

They have told Experian that it has been over 90 days late even though I sent XXXX and Experian a copy of the voided check that shows it was cashed, balance paid off over 4 months ago. 

Despite four investigation requests to XXXX  and two dispute investigations to Experian, they both fraudulently say that my account is not paid off and late. They illegally threatened to charge of my account to collections despite not owing anything. 


This is adversely affected my credit to where I am being denied credit.