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

Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/XXXX, I contacted Affirm for a refund. I advised them that is has been 2 months and I have not receied the service I paid {$12000.00} for from the merchant. I had signed up for a service to help with marketing for my business from a company I found on XXXX called XXXX but it was advertised from XXXX. I contacted Affirm since they were they onces I am paying back for the {$12000.00} which they have paid to this company. The reason for my refund request is that it has been 2 months and nothing has been done. I signed up around XX/XX/XXXX. Due to nothing being done, I missed Black Friday and I missed the opportunity for Chisristmas to generate a substantial amount of revenue to make back the XXXX and more. Affirm asked me to contact the merchant and the merchant claims I am not entitled to a refund at this point. I disagree because they did not do what they were paid to do and frankly they ( XXXX XXXX ) had no reason why nothing had been done in 60 days. That is horrible customer service and a disrespect for me as a businessowner trying to make a living. This delay has been extremely stressful. Due to putting my last deposit in with the expectation of making money over the holiday has placed a massive hardship on my finances. One of the messages from the seller states they were planning on a XXXX launch. When was that suppose to be communicated with me, because I would have NEVER agreed to that knowing my financial situation. After I contacted the seller now they want to rush and do what they were paid for but at this moment I want my money back and move on. Either way, it does not take XXXX plus day to put together a campaign. They sent me numberous form to complete but nothing concreate in terms of a campaign launch. As for Affirm, I want them held liable because they did absolutely nothing to help me in this matter. I want a full refund, I want to cancel my agreement which I do not recall signing one. I am contacting you because Affirm is not helping at all even though I am making monthly payments to them they need to pay for my pain and suffering. I do not have money to give away for not doing your job and I definately do not want to do busines with anyone who does not value me as a customer that's with Affirm and XXXX XXXX. This has caused an extreme amount of pain and suffering personally and professionally.
Product: Credit card or prepaid card

Our boss sent an email ( it was actually a scammer who hacked into her email ) and asked to get 3 gift cards and call and give the numbers to her client who was waiting. She was unable to do it herself at the moment because she was involved in a conference call. She said she would reimburse the cost. She needed 3 separate {$200.00} gift cards. we used our Discover card for two {$200.00} cards. Discover called to ask if we made that purchase which we did. Later that afternoon our boss notified all employees that she had been hacked and to not respond. Unfortunately, several people in the company had already responded. 

We do have a Police report. The purchase was made at XXXX using our Discover card. We talked to Discover and they basically said sorry you made the purchase but had your card been stolen ... so because we are honest and not lying about a stolen card we do not get refunded the money. Discover has numerous farad/theft protection safeguards in place. They have huge buying power and influence. They could dispute charges with XXXX. I feel they have numerous more avenues of recovery than the average consumer. Providing a Police report should be enough to gain some or all restitution. They basically said there was nothing they could do.
Product: Debt collection

I have spoken with Fabco in the past and asked for verification of the account almost a year ago. I told them I did not believe I owed the amount they stated I did. The collectors tried to argue with me. I asked if something could be mailed. After having tried several times to have something mailed and receiving nothing, I gave up. I received a call today ; almost a year later ; and the women whom I spoke to was quite snippy. She did not give her FDCPA disclosures or even tell me the call would be monitored and recorded before telling me the account was too new to dispute. I again asked would she send verification of the charges. She said they had already been sent. I then told her I did n't receive them. She gets very quiet and does n't say anything. I ask if she can hear me and then she says she was just listening to me go off on her. I 'm confused at this point and I tell her if they ca n't dispute the charges as I asked and send me itemized statement of the charges ; I did n't care. She then said she would n't waste her time either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that Experian and XXXX   update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
Product: Credit card or prepaid card

Started on XX/XX/2022 when trying to purchase a {$300.00} gift card at a retail location that I frequently shop at. My card was declined by the CC holder ( Capital One ) and I had to complete the purchase using another card. 

Upon looking into my account I found out that a restriction was places on my account due to suspected fraudulent activity. No notification was sent to me, no attempt was made to verify that it was me making the purchase in question. 

I contacted Capital One that day to unlock the account so I could use my card that I use for everything including crucial bills like utilities, childcare and healthcare payments. I was told that in order to unlock my account they would need me to send them images of my personal information over the internet. I initially declined due to an abundance of caution with my PII. At the time I was also using a digital ID in the state of Florida which is legal for both law enforcement and age verification but does not work with Capital One 's ID verification system. 

After escalating this issue with management I was told that there was no option to unlock other than using images of my PII. 

Since that day I have ordered a new physical ID from the state and waited 8 days for it to come in. Upon calling Capital One back to verify my identity using the physical ID, I found out that their verification system does not work 100 % of the time and instead of sending my details to an automated system for verification I would instead have to submit it to Capital One themselves so a human review could be done of my new ID to verify that I am me. This is an obvious concern because now my PII is being purposefully presented to human eyes and transmitted across networks that I do not have control over or have documentation on to prove that they are secure. 

I expressed my extreme displeasure with this process and noted that this situation was 100 % created by capital one, simple steps could have been taken at the front end of the process to confirm my identity and purchase activity. Instead i have been unable to use my primary CC for paying bills for over a week now and have been forced into obtaining a new line of credit so that I can in fact pay bills and support my family.
Product: Debt collection

XXXX XXXX is trying to collect on a bill that the balance is showing wrong and i never owed that amount at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. 

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Product: Payday loan, title loan, or personal loan

Someone used my name, ssn, dob, email, to open an affirm.com loan for many XXXX purchases. I received an alert via email. I immediately contacted Affirm and advised them that I am a victim of fraud and to close the account immediately. Affirm customer service phone system routes to XXXX so no one cares to deactivate the account. Affirm is owned by XXXX XXXXXXXX XXXX and all of my requests to both companies have gone unanswered and the fraudulent account is still open and being used as I am continuing to see new email updates of additional purchases.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681b - Permissible Purpose of Consumer Reports : I recently reviewed my TransUnion credit report and found several late payments and derogatory entries. These entries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, which outlines the permissible purposes for obtaining and using consumer reports.
Product: Credit card

A U.S. Bank Visa credit card account was opened in my name by someone else who is impersonating me and stole my personal information and identity to apply for and opened the following U.S. Bank Visa credit card account : XXXX in my name. This is a fraudulent account opened by someone else who stole my identity. At the time the credit card account was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation. This credit card do not belong to me.
Product: Credit card or prepaid card

I negotiated a settlement with my Chase Credit card and I paid as agreed. They have no reneged on our agreement and are still showing a balance on this card. Ref # XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a notification from my credit monitoring system that a new collection has been reported by Enhanced Recovery Collections for a XXXX XXXX XXXX  account. I was immediately upset about this. I immediately called them and attempted to resolve the account. My conversation with the Enhanced Recovery agent informed me that this account was for an old account from XXXX, and that they had received the assignment in XXXX of XXXX. I informed the agent that I was upset that I had not received any written notifications about this account BEFORE it was placed on my credit report. I was clear that should I have received the written notification that I would of paid it on the spot. The agent informed me that they had not been able to mail anything out to me to inform me of the collection due to the fact that they received the account right as the Covid 19 Pandemic was declared. I was appalled that they refuse to delete this account from my credit report even after they admit they were not able to properly send out a first dunning notice to me as prescribed by Federal and State Debt Collection laws. 

I tried another phone call and tried to again give them a payment in full but they again would not want to commit to removing this from my credit report. I opted to visit my local XXXX XXXX office and pay it in person. This account has been paid in full and I demand a removal from my credit report.
Product: Debt collection

On XX/XX/XXXX I noticed that the Thomas agency, a debt collection agency had reported collection to all three credit bureaus I immediately called the Thomas agency to find out information on what debt this would be. They said it was for a hospital bill under a name that was not mine but with the same last name. I stated that they must be an error because there was no one in my family with that name. The dance threatened me saying that it was my responsibility prove that this was not me. I then called the hospital and found out that they had made a clerical error and charged me and hired the Thomas agency to collect the debt for me under my social security number. Not only did this cost me great distress, but has put a scar on what was a perfect record over the last 7 years with no scars on my credit from any three of the bureaus. did damage has already been done, and I do not see it changing even though they assured me that it would. I asked him how they supposedly contacted me they said that they sent a letter to a town and the dress that I have never lived at and was returned. They failed and using due diligence in confirming that this was me and attached all this incorrect information to my social security number and my phone number. There are no documents to provide as I was never provided with any document by the thomas agency. All of this is recorded by the Thomas agency as stated by the verbal disclaimer when talking on the phone with them.
Product: Debt collection

Southwest Credit Systems XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Caliber Home Loans ( my existing Mortgage Company ) about refinancing to an FHA Streamline Mortgage, which I agreed to do. I had not yet made my XX/XX/2019 payment and was advised to not make that payment as I would pay that payment at closing. Closing was scheduled for XX/XX/2019, and I contacted my Mortgage company again to ensure that I didn't need to go ahead and make the payment. Again I was assured that the payment would wire and be paid before I was considered 30 days late. I paid my payment to the closer and the loan funded on XX/XX/2019. The payment posted on XX/XX/2019, causing my account to report as being 30 days past due on my credit report and my husband 's credit report ( XXXX XXXX ). I contacted Caliber today ( XX/XX/2019 ) to  request that this be removed from my credit bureau report as I was advised this would not be an issue and reassured on more than one occasion. The agent advised me that due to FCRA, they can not remove this negative reporting and that collections continued to contact us during this process. I advised that the collections department did call my husband and he advised we were in the process of refinancing and their only response was that they are unaware of the process that goes on related to refinancing.
Product: Debt collection

My dad and I purchased a " XXXX XXXX XXXX XXXX '' in XXXX before he passed away. My dad was my co-signer. Since my dad 's passing I relocated to XXXX, XXXX. I fell back on some payments due to not having the finical help I had with my dad in XXXX. I began looking for employment in XXXX so I can start making payments on my vehicle and paying off my other debts. It took me some time to find employment. I immediately contacted XXXX XXXX to let them know about my financial situation. They asked me to fax my dad 's death certificate over to them to verify that my dad was deceased. Which I found rude and they were not compassionate and had no sympathy. 
I did as they told me. I faxed my dad 's information and my vehicle was towed anyway. 
My car was sent to an auction and I have been contacting XXXX XXXX to update me information about making payments but I keep getting the cold shoulder. 
I need some one to help me with getting my car back please. I have been getting to work late because I don't have my car. Thank you.
Product: Credit card

I would like to dispute the following Charge Off on my credit account : XXXXA This is a loan I had through XXXX and was making regular monthly payments. XXXX then sold this loan to a third party, and I was not afforded proper notification this loan was sold nor to which institution. The new institution failed to contact me to resume payments. As such, the account went unpaid until it was charged-off. This has negatively impacted my credit and impaired my ability to obtain loans and credit cards. 

Additionally, the XXXX  clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! The company also failed to provide me with a 1099-C for tax purposes.

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : 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.
Product: Debt collection

Comenity bank has harassased me with multiple calls of a debt that is not mine. I was a victim of identity fraud and Im guessing this account was apart of my identity stolen. I saw this debt on my credit report and reported it as debt not mine. 

After months of calls from come its bank I answered on XX/XX/XXXX. The collection officer did not identify who she was. I told her I have no recollection of this debt, and that I would like for her to only community with me through mail services from now on. She continued to harass me and question why I didnt report it as fraud when I did in fact tell them it was fraud. She threaten that I will be taken to court, etc and was very rude.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed an account with XXXX  XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : XXXX : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
Experian : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request. 
In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report. 
I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected. 
Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within XXXX  days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Made a purchase with retailer and they didn't deliver as agreed. The item was returned before delivery through the shipper. Item was returned and signed for. The retailer has failed to credit the card account after two calls. Giving an excuse of a manager needing to look it over and a three day process.
Product: Credit reporting or other personal consumer reports

I submitted an FTC report of identity theft, which included evidence of fraudulent activities and inquiries made in my name and uploaded documents to all credit reporting agencies. Despite this, Experian has neglected to update my credit profile accordingly, leaving incorrect information on my report and failing to remove the fraudulent inquiries. 

This oversight has led to significant discrimination against me when applying for credit, as potential creditors have access to inaccurate information that adversely affects my creditworthiness. Experians inaction is a direct violation of the Uniform Commercial Code ( UCC ) provisions for removing fraudulent accounts, along with several other violations. 15 USC 1681b ( 2 ) states any negative item that a company reports without my consent is considered identity theft and fraud.

15 USC 1681n If the credit reporting agencies don't delete your negative items after you dispute the its {$1000.00} per item.

15 USC 1692 report fair and all consistent reports to all agencies.

Experians failure to act constitutes a violation of my rights under the federal law of FDCPA and their actions have led to abusive, deceptive, and unfair practices affecting my credit and ability to obtain new credit.

The continued presence of these inaccuracies on my credit report has caused me undue stress and financial harm. I have been denied credit opportunities and have suffered damage to my reputation as a result of Experians negligence.

I am requesting the following actions be taken : Immediate correction of my address on my credit profile.

Removal of all inquiries identified as fraudulent in my FTC report. 
Removal of XXXXXXXX XXXX XXXX XXXX account. 
Monetary compensation for the damages incurred due to these errors. 
I have attached copies of all relevant documentation, including the FTC identity theft report regarding this matter. 

I expect a prompt response to this complaint and resolution of the issues outlined above. According to the CFPBs complaint process, most companies respond within 15 days. I trust that the CFPB will handle this matter with the urgency it requires. 

Thank you for your attention to this serious matter.