23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against Affirm regarding an unauthorized charge that they claim I owe. Affirm is alleging that I made a purchase on XXXX for {$440.00} on XX/XX/XXXX, which I did not authorize or make. 
On XX/XX/XXXX, I contacted Affirm in writing to dispute this charge and requested that they remove the purchase from my account. In response, they assigned my case the ID # XXXX and stated they would investigate the matter. 
On XX/XX/XXXX, Affirm responded, claiming that I am responsible for the purchase. I immediately replied the same day, requesting evidence of the purchase, including transaction details. I also provided Affirm with screenshots of my XXXX purchase history, which did not reflect any transaction matching the alleged amount or date. 
On XX/XX/XXXX, Affirm responded once again, insisting that I am responsible for the charge but failed to provide any supporting documentation or proof that I made this purchase. They did not provide any record of a transaction on or around XX/XX/XXXX, nor did they show any evidence linking me to a {$440.00} purchase on XXXX. My XXXX XXXX ID is XXXX. 
Affirms failure to provide sufficient proof while continuing to demand payment for an unauthorized charge is unacceptable. I am requesting the XXXX XXXX XXXX to intervene in this matter and ensure that Affirm provides verifiable evidence of this transaction or removes the unauthorized charge from my account immediately. I have attached all my communication with Affirm and the screenshots of my XXXX purchases. 
Please let me know if you require any additional information. I appreciate your time and assistance in resolving this issue.
Product: Checking or savings account

I dispute a charge for XXXX because they claim I would receive a paper bill never did XXXX denied this. Then I went to my bank TD bank to dispute the charge they credited me then reverse the credit today XX/XX/XXXX, I summited the proof they needed and told them I couldn't afford this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this on the XX/XX/XXXX credit site but was unable to do so. No phone number for Commenity Bank was provided onXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681e ( b ) - A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the circumstance Pursuant to 15 USC 1681i ( 5 ) - If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete the consumer reporting agency shall, ( i ) promplty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation This said account has CHARGED OFF and i have received a 1099c from creditor and Im wanting to get this account removed from my credit report. 

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

I disputed inaccurate information being reported on my credit reports with XXXX  XXXX XXXX, and equifax. I sent them various letters instructing them to remove all incorrect names, addresses, and phone numbers and they have yet to do so. Another I disputed as well is incorrect information on all of the accounts reporting such as the date last active and date last reported not matching up, also I sent letters to verify accounts which they have yet to do. Some of the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also inquiries on my report that are non account holding I disputed that I did not put on there my self
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called Barclays credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name BARCLAYS BANK DELAWARE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX
Product: Mortgage

I have filed SEVERAL complaints that are the SAME complaints because the company XXXX Bank of America XXXX keep LYING and stating the problem has been " resolved '' and/or whatever other LIES they tell you, however, nothing could be farther from the truth, all they ( Bank of America XXXX does is send me a letter with a " special '' phone number and a " special customer service agent '' that does ABSOLUTELY nothing!!! This is, HAS been a continuous loop that has been happening for quite some time with this company ( Bank of America ) which falls in right along with THEIR PREDATORY LOAN PRACTICES AND STRATEGIES!!! Please see this pattern and what's to " really '' going on and be privy to this information. Thank you. Sincerely, XXXX XXXX for Estate of XXXX XXXX XXXX, ( # XXXXBank of America XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't remember applying or using these guys at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ordered my credit report from XXXX, I was able to obtain reports from two out of three companies. XXXX and XXXX  delivered my report promptly. Equifax sent me a letter, denying my report and asked me to send in copies of my documents ( social security, photo ID, proof of address. I have called the company and was asked twice for my personal information, and again was denied my report and asked to send in the copies of my personal information. It is all because of verification and information protection act, as I was told. When I ask for the reason, I was simply told to send my information. Unresolved, still no free annual report.
Product: Debt collection

I opened one account with XXXX XXXX XXXX for a wireless phone. I paid consistently on my bill. Somehow, there were 2 accounts created when I did this, and XXXX XXXX XXXX already told me I only owe {$170.00} total. They couldn't even figure out what the other amount was for. They admitted they had never seen this before, but it was their mistake. So of {$360.00}, I ony actually owed them {$170.00}, which I have paid. The XXXX   people called the debt collection agency, Diversified Consultants, Inc., and while I was there XXXX and I both spoke with the collection agency. They agreed to lower the amount that I owed to {$170.00}. I paid the amount a few days later. But there's still a balance of what was left from the {$360.00}, and it ended up on my credit report. XXXX  can not do anything about it but said to dispute the charges with Diversified Consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representation.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Product: Mortgage

XXXX XXXX who is on this mortgage died suddenly I was not on the loan at all I am filing to be personal rep of his estate I am filing that in the morning with the court. I have not been able to since the weather has been so cold and snowy. 
I will request that the Judge orders a stay on the foreclosure and eviction. 
I am XXXX old and have medical problems and no assistance
Product: Payday loan, title loan, or personal loan

Today on XXXX XXXX my wife got a notice in her private email that I had a payday loan payment due for {$570.00} that supposedly had been originated on XX/XX/2023 at SpeedyCash. I was at work and not even available at that time. So obviously it was not me that created the application. Further, when we called to verify information, we were told the phone number and drivers license number did not match the rest of my information that was used. But, the account was fraudulently created anyways even though that should have created a huge red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company about 7 times already to correct the payment information on my account. After speaking with a supervisor about two times once they called me they agreed to remove the late derogatory information off my account. While I waited 3 months it 's still there I tried reached out to the company again and they informed me that they put the request for that department to remove the late payment and they reassured me that they will fix the report and notify the credit bureau so they can update the system.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have a car loan with Wells Fargo. Their online system does not allow you to set up payments that exceed three times the payment established in the loan ( my car payment ). They do not allow you to set additional automatic payments. I called Wells Fargo and explain I'm an XXXX XXXX service member and feel that they are putting an impediment on the customer by not allowing this feature. The means the customer has to call and make the additional monthly payments and makes it difficult for the customer to want to do the " right '' thing and pay off their debt. I spoke to a manager and they were not able to provide an explanation.
Product: Payday loan, title loan, personal loan, or advance loan

This was done without notice and it need to be handled because I cant even finance a car because of this incident
Product: Credit reporting or other personal consumer reports

Experian billed me {$26.00} per month without my approval, nor authorization to use my card. 
Experian failed to refund my {$180.00} for an account / program I never authorized. 

Second, Experian failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - Experian has not provided valid and legible documentation, despite three disputes, that XXXX XXXX are my account.
Product: Credit card

Card was locked, thus no transactions should have posted. $ XXXX in charges occurred. I said the card was blocked and thus their error. 
They are saying they were recurring but are not. This means their way of locking a card is to close it. There are no disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I uploaded my request for dispute with Experian via their website@www.experian.com/upload for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in the 30 days required time.
Product: Credit reporting or other personal consumer reports

XXXX opened a credit card in my name. They used my address, date of birth and ss #
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions.

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. 
The information is not accurate, and I would like it to be removed from my report, immediately. I have attached supporting documents. Please review.
Product: Student loan

i was making payments and i made a double payment to navient. i called to try and stop one of the payments, but they told me to call my bank and put in a dispute for double payment which i did. the next month i tried to make a payment on the website, but i couldnt. i called navient and they told me i needed to submit a form from my bank saying its an active account. which i did twice. i was also informed that i was no longer under the income based repayment plan, and that i could have consolidated my two separate loans into one. I was told i was unable to when navient took over my accounts in 2015. i was told that my other loan wasnt eligible for consolidation and i had to go into forberance numerous times. i was told by the supervisor to submit paperwork to get my loans consolidated and i sent that in over a month ago and navient still hasnt received them and i cant even make my payments.
Product: Credit reporting or other personal consumer reports

incorrect address violation under 15 USC 1681 nonmatching information
Product: Debt collection

In XXXX, I sublet an apartment through estate management. Upon moving out, my security deposit was applied to a balance that I allegedly owed. After learning of the charges I found out that I was illegally charged for my service animal. I contacted XXXX XXXX and Informed the manager that I believe I was mistakenly charged for my service animal. The manager told me that she was new and the former manager no longer worked there. She said that she could not find anything about me having a service animal. I let her know that I showed my service animal Identification card to the former manager and that I could also provide it to her as well. Although I provided her with my service animal documentation, as well as XXXX XXXX laws regarding service animals, she refused to adjust the balance. She claimed that I never had information of a service animal on file with the apartment complex. I explained to her that I did in fact provide documentation to the former manager and I that under XXXX laws, even if I am to provide my documentation at a later date, the charges have to be adjusted. She told me that the balance could not be adjusted and it was up to the collection agency. I contacted the collection agency explaining the situation and they informed me that all they needed from her was to update the balance on her end. I called her back and explained that and her answer was okay. She never did it and this debt is affecting my credit. After explaining all of this to XXXX XXXX with documentation, they still did not change the balance.
Product: Checking or savings account

I used my XXXX XXXX XXXX to replaced my old XXXX XXXX XXXX XXXX. XXXX sent me a new XXXX XXXX XXXX  XXXX by holding {$1000.00} until they received old broken XXXX XXXX XXXX  XXXX in last week of XX/XX/2023. XXXX acknowledged via email on XXXX XXXX that they received old XXXX XXXX XXXX  XXXX. 

I waited around two months apple to release {$1000.00} hold money. Since I didn't get the hold money, I contacted XXXX customer service. Since there are so many division within XXXX, customer services keep transfer me to different division of XXXX but non of them able to refund the money. After I tried to called XXXX multiple times, I decided to contact my bank ( wells Fargo ) to report an authorized purchase. Well Fargo initially return the money, but reverse their decision first on ground of no proof of the purchase product returned. Once I gave them proof of return the product, they denied again with ground of outside 120 days wells Fargo to initiate dispute with seller. When I told the wells Fargo escalating team customer service member that, I filled on time the claim and it is wells Fargo responsibility to dispute with the seller within legally allowed time frame, the supervisor hung up the call on me.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

Discover card willfully misrepresented their intentions in order to obtain payment on my account.On XX/XX/XXXX Discover card called me and stated that if I made a payment that day that it would prevent my account from being suspended. I agreed and made the payments as promised. On XX/XX/XXXX they suspended my account contrary to our agreement. Discover misrepresented and lied in specifically to deceive me. I called Discover and they acknowledge that they misrepresented their collection process but was unwilling to offer any resolution. I understand I owe the money and was working to keep them in good standing but I question the legality if not ethics of intentionally lying to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$66000.00} ; XXXX XXXXXXXX. XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX XXXX : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported that account was 30 days past due. Made a payment before the cycle date. Account is no longer past due but reported payment late for XXXX
Product: Credit card or prepaid card

I have a old Navy credit card through synchrony bank I made a purchase of {$700.00} and payment for {$300.00} and had my account closed the next day. I called old navy and they said sorry your account closed theirs nothing we can do synchrony closed it without warning or no reason, account is in good standing and payments always on time