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

On XX/XX/XXXX I place an order with XXXX XXXX through affirm ok so affirm approved me for the amount I put a down payment of {$230.00} I taught everything was ok so I waited couple hours to se if process by the merchant but on affirm website says approved but items still processing by the merchant ok so the next day XX/XX/XXXX I check still same thing so I called XXXX XXXX to make sure if they received my order they check by my name and order nothing pop up on their end I said thats weird because on affirm side it says waiting for merchant to process ok I called affirm back to let them know that XXXX XXXX didnt receive the order so they tell they have to investigate it should take 5-7 days ok so waited the following week I check still say the same thing waiting for merchant to process so I call affirm again talk to supervisor now the telling they to expedite the investigation they let me know 5-7 business day ok that goes by called still no progress at this point Im getting frustrated they have my down deposit by then they should be done with the investigation and void the loan I told obviously they didnt receive the order it never processed and they never ask affirm for payment again they telling the same thing to wait and they going to contact XXXX  XXXX ok so today is XX/XX/XXXX I called again to check on the progress the supervisor telling again the same thing no progress they holding my money idk it doesnt take long to called XXXX XXXX and verified now I have a loan with no merchandise they refuse to void and refunded me all they have to do is called XXXX XXXX to check and they let them know they didnt have order under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance XXXX, XXXX XXXX Date opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$7500.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1200.00}
Product: Money transfer, virtual currency, or money service

Successfully received and transferred cryptocurrency via Binance.US on XX/XX/XXXX. As of XX/XX/XXXX, I was no longer able to access the funds ( now USD ) that are being held in my Binance.US account. Multiple trouble tickets and messages were sent via the company 's website and their XXXX page. The only emails received were auto-generated, and the company has replied only once on XXXX with no additional follow-up. All verification procedures required by the company have been completed. I appear to be one of hundreds of customers dealing with this matter. No public statement has been issued by the company, and no timeline stating a resolution to this matter has been released.
Product: Debt collection

I've submitted several disputes on my XXXX Credit Report to get this resolved, and the only response I keep receiving is that my debt has been verified as mine. I am not disputing the fact that the debt is not mine, and Transworld Systems and XXXX   are not addressing the issue. I am disputing the amounts owed and wrongfully reported on my credit report because XXXX XXXX XXXX never billed my insurance company for my services, as you can see attached in my supporting documentation. I am disputing the amounts owed on my collections report by Transworld Systems Inc in the amounts of {$1700.00}, {$240.00}, {$100.00}, {$88.00}, {$79.00}, and {$66.00}. 

I have attached my log of correspondence with XXXX XXXX XXXX XXXX to make my medical claims to ensure that my insurance would be billed for these services, and also, a photo of my account with XXXX XXXX XXXX which shows that my insurance was never billed for my services.
Product: Debt collection

Constantly calling and texting. Under the 15 US code 1692-c. States c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agenc
y under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Student loan

Aspire Servicing Center told me and also reflects that I have zero interest on my two loans I have remaining with them yet every month after I make payments, my balances go up. Why does my balance go up if they say and show I don't owe any interest? I have had these loans for a very long time including during a bankruptcy period in which I was told I did not have to pay on them. After that bankruptcy period ended, I called to get back on track. They kept me in a defaulted status the entire time hurting my credit as well as building amounts owed. Finally I work out a plan with zero interest to pay every month and my balances are still going up after every payment. This is what is wrong with these student loan companies! You should not be allowed to say and display one thing on your account website then charge in the background. This is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through this portal I have filed complaints against XXXX, XXXX, & Transunion. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if  the completeness or accuracy of any item of information contained in a consumers 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. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On 4 separate occasions I have asked the mortgage company for help and each time I have I been been denied they are not even looking at my financial hardship due to Covid-19. XXXX. All denials. Due to XXXX in XX/XX/XXXX of XX/XX/XXXX I had already missed 5 months of payments and had asked for assistance then. They are not wanting to offer any assistance I have applied many times all I want is for the servicer is offer me the loan modification that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never Applied for any loans with Affirm or never did I used their services. I am a victim of identity theft, and these two affirm accounts keep reporting on my credit file. Which is violating my rights under the Fair Credit Reporting Act 15 U.S. Code 1681s. I have contacted this company Affirm and they told me the person only needed the last 4 digits of my social security number to apply for credit which is insane. I explained to the agent I spoke to with this company Affirm that I never applied for an affirm account and this is unauthorized and fraudulent on my credit profile. The agent with affirm told me that this account will be removed off my credit profile within 5 days and it's going on over four months and they are still reporting. As an Identity theft Victim, under the 609 ( e ) of the FCRA I am entitled to a copy of the transaction records which I have requested and still did not receive anything from Affirm. I have reported the theft of my idenity to the Federal Trade Commision and will be seeking statutory damages.
Product: Credit card or prepaid card

Midland credit and XXXX XXXX.which is the same account. Are trying to charge me for account that is not mine. I've told them called. Disputed them multiple times. And they still say it's my account. Impossible. Me myself don't believe in nor ever had an open credit.card.and the one I did have was shut down cause I never used it.i pay cash for everything. No bank accts.no savings. None of that.these companies. Refuse to work. This.out just keep saying I owe. And I dont.midland credit. Called my phone.it seemed liked 10 times a day.ive blocked them.but yet they still harass me from other # .I 'm tired of this.they have got the wrong person.common since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both XXXX  and CRME the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information
Product: Mortgage

On Monday, XX/XX/year>, we engaged with Fifth Third Bank to start the process to pay off and close our HELOC. 
We have paid them, we have asked for papers, we have visited the branch, we have called the main customer service, we have talked to several people, and they will not pay off and close the loan, releasing the lien. 
We don't understand why, and no one seems to be able to explain the reason. They won't help, they won't submit the payment ( even though it's in a checking account with them ), and they blame each other ( branch vs. corporate ) and us depending on what's going on. 
We need them to help as our family house was destroyed in the hurricane, and we are trying to also collect our insurance money. 
We need to close the HELOC to collect. Please help us deal with this fraudulent bank. 
We also had our mortgage at XXXX XXXX, and they did this all within 20 minutes. 
Do NOT do business with Fifth Third. They hold your loan and won't let you close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

My cash app account was always mysteriously charged for hundreds of dollars. Even if I lock my my virtual card, money still would be taking out without my permission. Dates ranging from XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by refusing to investigate a legitimate dispute I submitted directly as the consumer. 

On XX/XX/year>, I sent a dispute letter requesting an investigation and verification of multiple accounts on my credit report, following my legal rights under the FCRA. Instead of complying with the law, TransUnion rejected my dispute under false pretenses, claiming that it was not submitted by an authorized party. This is completely false, as I personally submitted the request with all required supporting documentation, including a copy of my identification and proof of address. 

XXXX refusal to process my dispute delays the mandatory reinvestigation process, obstructing my rights under the FCRA and causing unnecessary financial harm. Their failure to comply with their legal obligations is a direct violation of my consumer rights. 

Additionally : XXXX was recently sued for similar violations, proving a pattern of misconduct among credit bureaus. 
XXXX was fined for failing to follow proper dispute resolution procedures, further demonstrating the lack of accountability among these agencies. 
I demand that TransUnion immediately processes my dispute, provides a detailed description of their verification process within XXXX  days, and removes any unverifiable or inaccurate information from my credit report, as required by law. 

Failure to act accordingly will result in further legal action against TransUnion for obstruction of consumer rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX*Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$650.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX CreditXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My initial agreement was with XXXX  XXXX XXXX. The account went to a collection agency by the name of National Credit Adjusters. I made a payment arrangement with them and paid on time as agreed. Due to lack of employment this year, ( XXXX ), XXXX, I was unable to continue the arrangement. My initial balance was {$5300.00} ; I consistently paid and the current balance is {$950.00}. I explained to them that it is not in my current budget due to other debt from being unemployed and I feel this debt can be settled. They offered for me to pay half of the {$950.00}, but I refuse due to how much I have already paid and it not being in my budget. They refuse to settle it without me continuing to pay and they continue to call me daily even though I have already explained and spoken with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX that my mortage was denied because I have a credit score of XXXX. I was told this twice and then told I can look at my score on there website. It was a XXXX. I was told that it was denied because 5 mos ago my home equity payment was late after a male at XXXX told me in XXXX that my loan had already been paid for that month. I need clear information on my credit score and when my payments are due. 

Also I have been trying to correct an XXXX payment for a long time now and they will not work with me. I made an order and put it on my debit card. Several months later I got a statement from Chase card services saying my payment was late. Now they are charging me double the order. I am upset they put it on a chase credit card I never used so they can charge up fines instead of taking it out of my bank account.
Product: Checking or savings account

I recently got married and created a joint bank account with my wife in person at this branch. We deposited our wedding checks in person at this location. One-third of our checks were flagged for " fraud '' for absolutely no given reason. Our account was closed before we were made aware of this. Chase then asked to contact the check makers to verify the checks. Chase then said that some of the phone numbers providers were not valid ( they would never tell me why they weren't ), or they would call my friends and family members and speak with them three times, to the point they felt they were being harassed. We decided to open a new account with Chase since we were told Chase would clear our checks. Here we are two months later, and our account was closed again. I've asked repeatedly for my situation to be reviewed by a branch manager, regional manager, district manager, fraud manager, etc. Most recently, I was told, " it looks like there is nothing more happening with your case. I don't see that any new actions have been performed since we last communicated ''. Honestly, this is fraud by Chase for them not releasing my funds. It's approaching 75 days and they still have several thousand dollars that they're refusing to release the funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights! 

Account : XXXX  XXXX XXXX I spoke with XXXX XXXX representative to remove this account from my report and they agreed to do so. Even AFTER disputing this with Transunion MULTIPLE times they still show this error! 

They say on the report it meets FCRA, IT DOES NOT! This is FALSE and I can sue just on this alone. 

This is a violation of my rights and I am in my legal right to sue Transunion. 

Last Verified Date -- Does NOT match XXXX or XXXX! 
Last Date of Activity does NOT match XXXX or XXXX! 
No Closed Date reported! 

Each violation can carry a {$1000.00} fine against Transunion in court. 

I demand Transunion remove this account from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case