23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I was informed that Affirm had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called Affirm again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via XXXX that my account had been reported as delinquent due to a late payment. I called Affirm again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, XXXX, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that Affirm stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called Affirm again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.
Product: Checking or savings account

On XX/XX/XXXX I tried to log into my personal and business checking accounts with Suntrust. Said wasnt available and didnt work for mobile. I called and they told me over phone- we closed your account and you'll be mailed your check. They wouldn't tell me why, how, when. 
That is my rent money, my grocery money, my gas money. They did not notify me in writing, via a call, text, nothing. No warning. No reason. 
I went into a branch as I am traveling in XXXX. They tried to call corporate. They said with no " activity '' on the account for five days then account would be closed and check then 10 days and then sent. They said the closing process started XX/XX/XXXX! I had funds automatically setup from other companies transferred to the account, automatic withdrawals setup etc and they did not tell me to not interact with my account until I had to have a branch call and find out details of how I can access my own money on XX/XX/XXXX. I had to ask! So the bank can take money into my account, allow attempted debits, refuse the debits but accrue the funds and gain interst on my money, all well penalizing me in multiple ways- 1 ) charging me fees when the attempted debits dont go through even though I wasn't told not to use my account or explained why, 2 ) stealing and hoarding my money and my companies money and gain interest on it- and grow the funds because they can accept deposits on a " closed account '' but can release it to the owner of that account, 3 ) prolonging the release of funds as they did not tell me or give me any sort of details that when something interacts with my account- even a return or automatic transaction- it makes it so my funds are prolonged from me 4 ) no way to access my own money for over a month causing XXXX XXXX XXXX  such as XXXX and XXXX 5 ) no access to see what has and hasnt been attempted etc to my own account to see when I can get access /what merchant transactions are accurate etc. This has to be illegal! They said they would mail me a letter. I have  received nothing. This is XX/XX/XXXX. They have had my money and no plans to release it. What am I to do!? How can they not give 24 hours  notice, explain a week ahead of time? If my rent is late my landlord evicts us. That money was for my rent. So now I will be evicted, can't buy groceries and am unable to buy gas. How is this even legal?! And the bank is tricking me bc they won't tell me anything about what has posted/not and didnt tell me not to issue checks at start of month etc or to cancel my subscriptions etc. They just want to hold onto the funds. This is ridiculous!!!!!! On top of it they charge me XXXX and XXXX each month which I was charged to have an account, then they are going to charge me each debit attempted on the account even though I was unaware of what was going on as they didnt communicate with me to have things changed.
Product: Debt collection

Some one stole my identity and solicit a loan to Monterey financial Services, LLC. This person is utilizing a florida address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phone : XXXX ). The loan was approved and I am being charge for it. The loan amount is {$3700.00} with a monthly payment of {$140.00}. In XX/XX/XXXX I contacted Monterey Financial and informed that the loan was made by a identity thief person and sent the police report number so they would removed the charge. I explained that as soon as the report is provided to me by the police department I would be sending it to them. At this moment they are still charging me the monthly amount ( {$140.00} ), no pause has been made and my credit has been affected. The identity theft was reported to XXXX, XXXX and XXXX and a fraud alarm/warning has been added to avoid inquiries or any other action. This was made XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX .
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud o their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Paypal account was closed without any warning. I had done nothing wrong. All of my transactions were either sending money to a company for a payment of goods or services or receiving/sending money to a friend. Both types of transactions are what Paypal terms and conditions state that their accounts are used for. 

I had a refund from a diving company in XXXX that amounts to {$240.00} on XX/XX/XXXX. This is sitting in the digital Paypal wallet. Paypal will not let me withdraw my refund. 

I request that my refund be transferred to my linked bank ASAP. This is my request. 

The email address associated with my Paypal account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ending 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 my XXXX score was lowered from approximate XXXX to XXXX. This was based upon Capital One ( hereinafter XXXX. ) charging my account in XXXX for {$95.00} for a yearly card fee. I was NOT notified of the charge. 

My wife and I are building a new home in Montana and I have been using various charge cards to pay for supplies and services to recieve the highest Cash Back rewards. The cards are then paid as soon as possible after notice of posting. XXXX. has very poor cash back rewards and therefore I did not use the card after XXXX of XXXX. 

Since I was not notified of the charged two late fees totaling more than {$65.00} dollars were charged and around XX/XX/2022 I was notified by XXXX. that the credit line on this account was reduced from {$10000.00} to {$5000.00}. I immediately paid the total charges and contacted contacted XXXX. to determined why I had a charge on an account I did not use. 

I was informed of the yearly fee and asked to speak to manager to receive the late fees back and to determine why I had not been notified of the charge. I was told that I as wells others had been charged and NOT notified. I did not get this individuals name and was informed they would notify the credit reporting agencies of their error of failure to notify me. I was also assured the late charges would be refunded. A case number of XXXX was assigned. 

I contacted XXXX. again on XX/XX/XXXX and spoke with another manager, namely, XXXX. She apologized profusely for their error and stated that it would take two cycles ( 30-60 ) days to rectify this matter. I was NOT able to contact XXXX or XXXX to speak to a person that might have been able to immediately correct XXXX. 's error. 

Prior to this I had recently applied for and been issued a charge card for diesel fuel. I use XXXX XXXX for monitoring only and upon checking there was the obviuos major drop in my credit score without any explanation. It has been my experience that online inquires to the credit bureaus is frought with horribly general reasons for credit score changes and severe delays. 

I can not imagine that a low credit amount on a fuel charge card would cause a XXXX  score change from excellent to good with a nearly XXXX point drop. I believe this there is nothing fair about such XXXX change. The occurence of this matter must be repaired immediately and a notation of the error be given for my XXXX score decreases. 

I am an advanced certificated paralegal. This type of error and decimation of my credit reputation is a clearly unambiguose violation of my Substantive Due Process rights under the Constitution. I am therefore considering a federal civil rights suit regarding this matter. I would appreciate any information you can provide me with. 

XXXX XXXX XXXX
Product: Credit reporting

Account : XXXX XXXX XXXX account number # XXXX was transferred to XXXX XXXX XXXX after the bank failed and closed. XXXX XXXX XXXX, is no longer in business, however, XXXX XXXX XXXX keeps reporting this account even though the account clearly shows account closed/transferred. This type of double reporting has caused my credit score to nose dive, and I am NOT able to get any form of credit. I have tried to have Experian, correct and deleted all entries to this account. They have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX Credit Card ( XXXX XXXX ). I have been making regular payments on my card and I have the payment history to prove all my payments posted. The bank is reporting my account late but I was not late. I called the bank and I spoke to a representative who told me that I had a returned payment. I checked with my checking account and they didn't attempt at withdrawing the payment. The representative said I contacted them and expressed that I did not authorize the payment, and that's why it was returned. This is completely false. I never unauthorized a payment. They never notified me of the " returned payment '' as well. The bank reported to my credit report 60 days late. I disputed it with Experian and it was changed to a 30 day late. The investigation and bank are giving me inconsistent information and it's completely fraudulent how they are destroying my credit. I asked for proof of how and when I contacted them to " deauthorize '' payment but I was told they don't have that information available. I was told the late fee that they charged to my account because of this mysterious returned payment was credited back to my account. The fact that they credited an erroneous late fee but refuse to fix the information they provide to the credit bureaus is proof in itself that this bank is fraudulent. This bank is unfairly ruining my credit that I am working so hard to rebuild. Attached to this complaint is my account payment history that shows I indeed made payments yet they tell me it was returned. I don't think they ever attempted to debit my payment and I'm paying the price for their negligence and destructive business practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Collection Account Reporting Subject : Request for Removal of Collection Account Based on Consumer Protection Laws Dear XXXX, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX, account number # XXXX. The account is reported as a collection item, and I believe this information is either incorrect or incomplete.

As required by the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be reviewed and removed from my credit report. Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. In this case, I believe the following may apply : 1. Account Information is Inaccurate : XXXX XXXX XXXX # XXXX Reporting inaccurate account status.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Consumer rights have been violated by improper reporting information.

I request that you investigate this matter and remove this collection account from my credit report if it can not be verified as accurate and complete. As per the FCRA, you are required to complete your investigation within 30 days and provide me with the results. If the information can not be verified, the collection account must be removed.

For your reference, I have included supporting documentation that may help in resolving this dispute, such as : Correspondence with the creditor or collection agency.

Dispute letters sent to the collection agency ( if applicable ).

If this collection account is found to be inaccurate or unverifiable, I request that you update my credit report to reflect the correction.

Please notify me in writing of the results of your investigation, as required by law. If you require any further information or documentation, please feel free to contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Please note, I did try to correct this with the company, but this website only let me progress forward if 'NO ' was selected. 

I own XXXX XXXX  and XXXX XXXX, XXXX, a XXXX XXXX company. I went to local retailer to buy chainsaws. I was told I could get a business loan to help with cash flow. It did this through XXXX XXXX on XXXX The paperwork I submitted read like a typical short term loan, where I fill out with my company info and XXXX, etc. There was a spot for a personal guarantee, normal, but I specifically asked if it would be on my personal credit. I was told no. I setup auto pay with my companies expense account. 
The auto pay worked for about ( XXXX ) months and then it didn't, I caught the error and called customer service. I got my account current and followed their instructions on how to setup autopay ; it was identical as before. XXXX months later, XX/XX/XXXX, I am notified by XXXX that I had a late XXXX reported to my profile! The autopay feature didn't work again, accept this time I didn't catch the mistake, and the XXXX payment never went through! But instead of contacting me directly, which they never did by any means, they sent the late XXXX to XXXX! 
When I looked into it, not only did it happen because the autopay never worked, but the account was 100 % on my personal credit report ... which I was told it was not going to be! It was a loan 100 % for the purchase of chainsaws for my tree service company. I reached out to them and customer service responded with a very professional " to bad so sad '' type of response. I have never had this happen in the past XXXX. 
So I left them a review on XXXX ( several recent reviews complaining of autopay issues ), contested through XXXX, and paid off the loan 100 % because the loan was only take for cash management. Several days later, on XX/XX/XXXX, XXXX marked the loan as paid and fixed the 'late XXXX ' as a result of my dispute. XXXX days later, XX/XX/XXXX, XXXX notifies me that a 'late XXXX ' was reported to them. This was done after my account was paid off and closed! Seems vindictive. 
My biggest issue here is that I was late because XXXX of their payment features failed and they were unwilling to assist in fixing this. " We take reporting to the credit bureaus very seriously '' I was told. 
This whole thing is ridiculous! I am never late, my credit report shows that, and this company took no pause in tarnishing my credit and disrupting my life!
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 7 accounts that are considered fraud with illegal transaction history and reporting a Certificate of indebtness which is also illegal. 31 U.S. code 3104, 26 CFR 301.6312-1 Section 61 ( a ) ( 12 ) Section 108 ( a ) 1. Equifax has numerous inaccurate reporting for account Upgrade the balance is reporting as {$5800.00}, but other agency is reporting differently, open date is XX/XX/XXXX which is different from XXXX and XXXX. Last time verified for the account is showing no data, date of last activity of equifax is XX/XX/XXXX which is also reporting differently from XXXX and XXXX. Close data showing no data, term length is showing 0 months different than other 2 reporting agencys. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraud inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These are fraud addresses that are not mailable please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. Per the FCRA, as a federally protected consumer. I am now opting-out of any and all authorization. I am now opting- out of any and all authorization. I, the consumer, may have given you written, unwritten, and non verbal per 15 USC 6802. 

Delete in 4 days or pay me the {$1000.00} per violation.
Product: Credit card

Prosper Inc. their system switched my minimum payment to full at some point even though that is categorically NOT what I ever set up and never would and they took {$1500.00} they are not entitled to, they will not reverse or refund this transaction and insist on an internal investigation which will certainly only show the current state of the system and not the fact that I set it up for minimum payment which will allow them to keep the money and leave me {$1500.00} worse off. Additionally the app currently shows NO autopay so their systems clearly arent reliable.
Product: Credit card or prepaid card

In my request for a credit report in all three credit bureaus ( XXXX - XXXX - XXXX ) I found an entry showing a credit card account as deliquent in the amount of {$360.00} from a credit card issued by XXXX XXXX XXXX Bank. 
The credit card debt was sent to collections agency called portfolio recovery associates and I have contacted them and disputed the debt. I was told that I should file a dispute via the internet to the XXXX And here I am to file a dispute to you. 
The account number is XXXX XXXX XXXX XXXX I have no relation whatsoever neither with this account number nor with the bank issued this card. Additionally, I have no relation at all with the debt amount.