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

Affirm is a form of valid payment on XXXX. On XX/XX/XXXX, I purchased XXXX speakers using Affirm/XXXX  on the XXXX website. My sister also made a purchase on the site but using XXXX. It has now been revealed that the site is a scam site in XXXX using the unapproved licensed XXXX name and images of legitimate XXXX products on a XXXX domain owned site. I submitted a dispute and I've provided Affirm/XXXX  all documents, tracking showing I received nothing from this vendor, and comments from others saying none of them have received their items. 

The merchant is no longer responding to anyones comments and is using a fake address and fake phone number. Affirm has now said while the case is 'in dispute ' I will not be able to make payments and 'in dispute ' will show on XXXX and thus other credit sites by extension impacting my credit because they continue to " investigate '' the scam site instead of immediately resolving it by looking at their own comments and reports from others. The site has since been taken down from XXXX as a scam site after mass reporting you can't even buy from this scam vendor via Affirm/XXXX  anymore. I can no longer link more documents as proof to Affirm due to a XXXX limit. I would like Affirm/XXXX  to escalate and finally resolve this in a timely matter by removing this loan from my Affirm account and making sure to delete this loan from XXXX and other XXXX credit agencies before it can be reported or listed as " in dispute '' to XXXX or other credit agencies. XXXX immediately refunded my sister with their scam protection. I previously used Affirm for large purchases but I will never use them again. 

Affirm does not make it clear how long and difficult the dispute process is even when the vendor is a scam site. They offer NO SCAM protection at all for consumers. And can be listed on any site on XXXX as valid form of payment even if it is a scam. Affirm also has loan terms that are NOT friendly to consumers such as mandatory arbitration clauses with opt-out that requires it be mailed instead of electronically submitted within 30 days of the loan.
Product: Checking or savings account

Being accused of an unauthorized money transfer from my savings to my checking account approved by wells fargo to a person that was not me. 

UNAUTHOTIZED APPROVAL GIVEN TO AN UNAUTHORIZED USER OVER THE PHONE TO HAVE ACCESS TO MY BANK ACCOUNT BY WELLS FARGO BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, gave me XXXX letters of release stating the debt wasn't mine XXXXn and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last XXXX years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. In 2019 my identity was stolen. My identity was stolen and used to collect unemployment that I never filed for. A police report was Made at XXXX XXXX Police XXXX. My information is still out there and someone tried using my ID on XXXX XXXX which resulted in a hard inquiry. upon further investigation I noticed third party collections on my report which is not accurate as well. No representative from any third party that is reporting information that is inaccurate and have not contacted me directly to confirm the assumed alleged debt. I have never done any transaction with any third party listed in my credit report. No signatures or acknowledgment has been made by me. I did not consent to owing any third party who assumed a debt by purchasing it from the original creditor whom they did business with. I am aware that the original creditor was paid through my unlimited credit and or trust set up in my name which now I own through the process of correcting my status. My agenda is to have all false reporting in my name to cease. On all credit XXXX reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

request deletion of XXXX  XXXX bank account ending XXXX due to the fact that XXXX XXXX request to delete this trade line
Product: Debt collection

XXXX XXXX XXXX SOLD THE FINANCE OPERATION TO SPRUCE FINANCE. 
I WAS NEVER INFORMED OF THIS TRANSACTION, THEY SAID THEY SENT AN E-MAIL WHICH I NEVER RECEIVED. THEY SENT A BILL FOR PAST DUE AMOUNTS WHICH I HAD SENT A CHEK TO XXXX FOR THE MONTHS OF XXXX & XXXX. I TRIED CALLING THE NUMBER FOR THE FINANCIAL DIVISION AND NO RESPONSE. I WAS ON HOLD FOR AN HOUR AND A HALF, I TRIED AGAIN THE NEXT DAY THE SAME AND NO RESPONSE. I SENT AN E-MAIL OUTLINING THE PAYMENT AND CORRECT E-MAIL ADDRESS AND INCLUDED MY CELL # AND HOME PHONE #. NO RESPONSE ... .THEY HAVE AN F RATING ON THE XXXX WEBSITE AND I AM NOT ALONE THERE ARE MANY CUSTOMERS GOING THRU THIS NIGHTMARE. THE BILL THEY SENT WAS FOR {$350.00} THAT INCLUDES THE 2 MONTHS ALREADY PD. THEY CASHED THE CHECK AS IT APPEARED ON MY BANK STATEMENT AS OF XXXX. THEY SUPPOSEDLY SENT AN EMAIL ON XX/XX/17. I STILL HAVE NOT HEARD BACK FROM THE COMPANY. THE PHONE # THEY GIVE IS : XXXX. NO ANSWER JUST MUSIC AND WHEN IT BEGINS THE 3RD TIME AROUND YOU KNOW THEY AREN'T PICKING UP.
Product: Debt collection

XXXX XXXX XXXX had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX/GE Retail Capital Bank. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also XXXX XXXX Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By XXXX XXXX listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called XXXX XXXX and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.
Product: Debt collection

I had some services with XXXX, i recall when i started services, they where going to spray the outside, any entrance to the house. and also removed any spiders webs on the outside of the house. when the first appointment happen they did n't not do the things they mentioned as far as removing the outside spider webs. to my knowledge there was a pre scheduled for the next three months. they never showed up, supposedly they called. please note this has been a while ago. As of yesterday i got an email that this acocunt was turned in to collections for {$50.00} dollars. i dont even know how they got my SSN #. The collection company is Thunderbird Collections Specialist. i have contact TCS INC, and paid the debt and requested to be taken out of my credit. Now my issue is how did XXXX get my SSN which i do not recall giving it to them. 

Please note, this complaint is against XXXX and not towards TCS Inc.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check to me in exchange for the sale of my vehicle. On or about XX/XX/XXXX, Wells Fargo wrongfully processed this check, allowing an unauthorized individual to cash it using a forged signature that bears no resemblance to my authentic signature. As a result, I suffered financial damages of at least {$3400.00}. 

On XX/XX/XXXX, my attorney sent a demand letter to Wells Fargo, seeking resolution. In response, on XX/XX/XXXX, Wells Fargos senior counsel denied liability, stating that Wells Fargo, as the drawee/payor bank, is not responsible under the Uniform Commercial Code ( UCC ) and that the burden of ensuring proper endorsements falls on the bank of first deposit XXXX XXXX XXXX XXXX XXXX XXXX 

I am filing this complaint because : Wells Fargo failed to protect against fraud by honoring a check with an obviously forged signature. 
Wells Fargo improperly processed the fraudulent transaction, despite its duty to verify authenticity before releasing funds. 
I have not been reimbursed for the stolen check amount of {$3400.00}, nor have I received any resolution despite multiple attempts to address this issue. 
I request that the CFPB investigate Wells Fargos handling of this fraudulent transaction and require the bank to reimburse me for my losses.
Product: Credit reporting or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX . I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile!

Upon inspecting Dispute Status ( BS-20 ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 

Furthermore, this has been ongoing with OppLoans and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, Opp Loans has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.
Product: Bank account or service

I received a letter ( dated XXXX/XXXX/2015 ) from HSBC Bank USA , NA that asked me to verify my current address and acknowledgement of my HSBC deposit account. I filled out the form, had it notarized, and mailed out the form on XXXX/XXXX/2015 to the address provided. However, two weeks later, HSBC claimed that they still have not received the form and that they have no knowledge about the status of the matter because they engaged a XXXX-party company to conduct the process. 

As a consumer, the only contact information that was provided to me was the XXXX customer service number of HSBC. I have no contact info about XXXX, the XXXX-party company that HSBC engaged, and HSBC refused to provide any further contact info. I have tried XXXX times and spent hours of my time talking to a number of HSBC associates, none of which, however, was able to provide any meaningful direction or assistance regarding this matter. I feel completed lost during the process, as the answers/responses provided by the HSBC associates are inconsistent and even contradictory. 

This is a time sensitive matter. According to HSBC, I have less than 30 days to respond ; otherwise the fund would be considered " abandoned ''. However, HSBC is not taking the appropriate steps to handle the case in a timely manner, and is not providing a cooperative way to work with the consumer.
Product: Payday loan, title loan, or personal loan

I tried to pay my balance of XXXX to my capital one credit card account from XXXX not knowing that they do not do Anch transfers I received a notice that my account had been closed because the transfer didnt go through I used my other account to make the payment but capital one is saying they closed my account because of fraud when nothing was fraudulent both accounts are in my name and I have bank statements to prove it I called and told them they placed me on hold and never transferred me to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my personal background opted out from my credit report I do not give consent for my information to be released it effects my chances of being approved for any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached and : Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. NCB Management XXXX 12 XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Chase Bank in accordance with 15 USC 1666b because of inaccurate consumer reporting regarding late payments that are incorrect. I was never late and they needed to provide the disclosures stated under 1681 EI.

15 USC 1666b states : ( 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.

Chase made an error in reporting that the account was 60-90 days past due and that is incorrect. The account balance is also incorrect.

Chase Bank never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

I have contacted Experian regarding this negative account, I have attempted to verify this account with the creditor which I received a letter stating they do not have an account with my information. I have submitted this letter to Experian with my dispute to remove this account. SOMEHOW, experian is stating that this account has been verified? I've requested the documents used to verify this information and have not received anything. I'm confused as to how they can verify an account that the creditor has informed me I don't have.
Product: Credit card or prepaid card

Had some issues with my account due to unauthorized transactions. My credit limit is not available to be utilized.
Product: Credit reporting or other personal consumer reports

Equifax has filed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unverifiable response and failing to adequately notify consumers of dispute outcomes.These failure aglin with my experience, where EQUIFAX has neither corrected nor remove disputed items dispite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EQUIFAXs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability XXXX {$0.00}
Product: Mortgage

I was approved for a partial claim loan modification combo on XXXX and was told my first mortgage payment due date would be XXXX. Over the last 9 weeks I have been told over and over that the documents are still being prepared, no updates on when they will be completed and mailed. Today is XXXX and BSI is communicating that they are backed up due to so many people needing help and my first mortgage payment date was delayed from XXXX to XXXX since I do not have my written contract. I do not have anything in writing to support what they have been communicated over these last 9 weeks
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They left me vulnerable to scams by neglecting consumers and not protecting personal information.
Product: Credit reporting or other personal consumer reports

The company stated that they have charged this debt off however I never received a 1099C. In regards to this debt being charged off, I would like to request form 1099C from Sun Loans.
Product: Money transfer, virtual currency, or money service

Ive had where I sent money and the number wasnt verified it ended up being the wrong person and I was never able to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this account and closed out the account with final balance which included interest payments in XXXX. They added interest in XXXX and never sent notices but continued to flag my account as late and reported late payment to the credit bureaus the account as being late. I had no knowledge of this balance until XXXX when checking my credit report. This delinquency caused my credit score to plummet by XXXX points. I called them and they offered no resolve saying that the interest came through one month later after the account was paid off and closed. Please see account in reference below. 

AVANT LLC/WEB BANK has flagged your account as 30 Days Past Due on XX/XX/2023. 

Source : XXXX XXXX : AVANT LLC/WEB BANK Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2023 Balance : {$19.00}
Product: Credit reporting or other personal consumer reports

I have previously requested that my personal information be updated to reflect my correct name which is XXXX XXXX XXXX XXXX. Also, in my prior request, I have asked that only one address be reflected on my credit profile which is XXXX XXXX XXXX XXXX MD XXXX. Also, included in my secondary request is to remove all employment history from my credit file. I am employed XXXX XXXX employer where job history detrimental to my personal security.
Product: Vehicle loan or lease

I had a loan with Hyundai Motor Finance. Paid off the loan on XX/XX/XXXX for XXXX $ via check. But the company told that they never received the check even though they received it and told me to make a online payment of XXXX $ same day in order to avoid further charges. They even told me that if they receive the check it will be voided. As soon as I did the online payment they took out two payments one for XXXX $ and XXXX XXXX On asking for the refund for the overpayment of the loan they told me it takes 15 days to process the refund. I have been calling Hyundai since then every friday for the loan over payment check but havent received anything. I am getting different answers from hyundai that they are processing and after that they told that they are sending but it might take a while. I have been waiting for the money since last 4 months. They are not even willing to expedite the delivery of the check in order to help me out. I can provide the proof of statements for the over payment. Also I have written multiple letters to the complaint department in Hyundai regarding my issue but no response from HYUNDAI MOTOR FINANCE.
Product: Debt collection

Debt has been paid, and original creditor has no recollection of ever using FBCS. 

The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. 

The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.