23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, I went to check my credit card statement online, and found out that both of my accounts were closed by the company. I then immediately called customer service and they acknowledged that Citibank 's Executive Response Unit closed the accounts, refused to give me an explanation of why they closed the accounts, and refused to issue me new credit cards. Currently, I have no credit cards and have to resort to borrowing money from family to pay for food and supplies. The only solution they gave me was to write a letter to the president of the company and request that my accounts be re-opened. 

I had a picture of the web page showing the closed accounts but I could not upload it because it exceeded 10 MB
Product: Vehicle loan or lease

My spouse and I had an auto loan with Bank of America. In the month of XXXX, we remitted two payments via their online payment portal in error. Once payment was remitted on XX/XX/XXXX for {$5500.00}, the second payment was remitted on XX/XX/XXXX for {$5500.00}. When we noticed that the payoff was scheduled twice in error we had immediately logged back in and cancelled one of them. Their online system acknowledged that the payment was cancelled. However, two days later we noticed that both transactions had been processed and cleared or bank account. I had immediately contacted bank of america regarding the incident. I was advised that we would receive two refund checks. One refund check was received on XX/XX/XXXX for {$2.00}. The second refund check for {$5500.00} was never received. I was told that this check would have been issued on XX/XX/XXXX. In calling bank of america on XX/XX/XXXX it was discovered that the refund check was never issued. A ticket ( # XXXX ) was submitted and I was told it should take another 14 days before I received the actually check. I had requested that this check be expedited and sent to me via XXXX  XXXX or XXXX, the rep told me that I would have to provide an account number in order for that to occur. I'm very disappointed in BofA and the amount of time it has taken to resolve this.
Product: Debt collection

I have once again received a derogatory mark via Absolute Resolutions, when the debt has already been paid for, and taken care of by a t to bird party member. XXXXXXXX XXXX XXXX XXXXXXXX, and I reached a settlement for the debt. As well to have it be marked as paid off after the payment for the settlement was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 Transunion LLC removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to Transunion LLC in XXXX. When there are damages done, remedy is to follow pursuant to 15 USC 1681n for civil liability, which Transunion LLC is accountable for. Transunion LLC may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to Transunion LLC to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law. 

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

Transunion LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with TRANSUNION LLC.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX cancelled a purchase due to the available quantity changing before finalizing purchase. 
Affirm  says that they funded the purchase. Affirm, XXXX, and I had a conference call where Affirm asked XXXX for proof that the sale was cancelled at the point of sale. 
XXXX provided the proof requested, and required, by Affirm. 
Affirm continues to demand that I pay them for the money they say that they sent to XXXX. 
Affirm is requiring me to get a refund from XXXX, but since the purchase only exists within the Affirm system, I have no merchandise to return or refund. 
Affirm provided me with XXXX links to the single XXXX purchase which when clicked, lead to error messages in the XXXX system. 
Affirm refuses to accept the proof of the purchase cancellation at the point of sale that Affirm requested from XXXX, directly. 
I have no options. 
Affirm refuses to cancel the loan.

Affirm constantly calls me and disconnects the calls, immediately.

Affirm is sending me emails threatening my credit score. 
I gave them the proof that they had XXXX send me. Affirm told XXXX what to email me. Affirm is now, harassing me. 
I do not need a refund, as I am not paying Affirm for their mistake. 
I made no purchase and have no merchandise to return to XXXX for a refund. 
Affirm is attempting to bully me with harassment, and threats. 
These are the XXXX links that Affirm keeps sending me in their scripted customer service chat : https : XXXX https : XXXX Please try either of these links provided by Affirm? They lead to error messages because XXXX has no record of a completed purchase. 
Affirm has XXXX links to a single purchase that was cancelled at the point of sale that do not correspond to anything within the XXXX system. 
I attached screenshots of the proof requested of XXXX by Affirm in our conference call on XX/XX/2023. 
I attached screenshots of the email from Affirm acknowledging the receipt of the forwarded email from XXXX XX/XX/2023. 
Affirm told XXXX what to send me as proof of the sale being cancelled. 
Affirm acknowledged the receipt of the proof. 
Affirm has links XXXX links to the single purchase that never happened and they do not correspond to anything within XXXXXXXX XXXX system. 
Affirm has an order number that also does not exist within XXXXXXXX XXXX system. 
I attached a screenshot of what you will see when clicking on Affirm 's provided links to XXXXXXXX XXXX website regarding the " purchase ''.

Affirm won't even click on their own links. They just keep sending them. They won't even click on their own " proof '' when harassing me.

Affirm operates on a script.

I have no options.

I am not paying Affirm for this false loan. 
I make on time payments for my other XXXX purchases thru Affirm, and have already paid off another loan. 
I'm not giving Affirm money for nothing. 
They're bullying me, harassing me, and their own " proof '' doesn't exist within XXXXXXXX XXXX  system. 
The loan is false. There was no purchase.
Product: Debt collection

The company has reported 1 single debt in the amount of {$48.00} to all three credit bureaus as a NEW debt collection account under new account numbers on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when in fact there is only 1 single account for a medical debt that actually was paid in full by a financial assistance program. By reporting this single account to the credit bureaus as a new debt multiple times rather than as a single account that is outstanding over a longer period of time, it is causing a greater amount of damage to my credit rating. I have spoken to the three credit bureaus and they have referred me back to XXXX XXXX XXXX, stating that the collection agency has to be the group that fixes this mistake. XXXX however refuses to fix this matter and refers me back to teh credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E.. Those actions have caused significant inconvenience and financial loss and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least the last 2 years I have been getting double billed to 2 different credit cards for credit monitoring.

The accounts are associated to 1 social security number and Experian has seen fit to bill both cards the monthly membership fee.

For the past 2 years I have been billed {$26.00} to 2 different credit cards.

I would assume that credit reporting agencies would flag multiple accounts associated with a single SS number as possible Identity theft. This feels like a failure on both sides of this arrangement.

Mine for not catching this sooner and the agency for not having enough monitoring of their accounts to notice multiple accounts associated with a single SS number.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit card

In 2014, a federal government-backed debt security was used to acquire a {$970.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, PAYPAL HOLDINGS INC. presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, PAYPAL HOLDINGS INC. has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages. A Notice of Rescission of Equitable Rights was sent to PAYPAL HOLDINGS INC. with no response as of yet. PAYPAL HOLDINGS INC 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing this scheme.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. Being force to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$790.00} Date opened XX/XX/XXXX Please send me notification of the actions taken. I appreciate your prompt attention to this matter. XXXX XXXX XXXXXXXX is a XXXX XXXX XXXX that has the authority to verify my XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, I have had 8 inquiries in the past 2 days from banks that I did not authorize to pull my reports many are double inquiries 2 days apart. This is crazy and I want this resolved please. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXXY XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX    XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX
Product: Student loan

In XXXX I had all my loans consolidated into direct loans and applied for and was accepted into the public service loan forgiveness program. I learned on XXXX/XXXX/XXXX that XXXX of these loans from XXXX ( which happen to be among the oldest loans ) were never consolidated. At that point, 2 years into the public service loan forgiveness program, I am told that they will have to be consolidated and the clock for these XXXX loans, which account for 20 % of my balance, will begin once this additional consolidation process is complete. 

This error leaves me with an additional two years of loan payments I would not otherwise have been required to make. 

I have presented this issue to Fed Loan Servicing via electronic submission and mail as well as phone calls made to the general customer service number and the ombudsman. The resulting communication from their representatives was that this has happened to others and the situation can not be helped. 

Thank you for time and consideration.
Product: Bank account or service

JPMorgan Chase Bank has locked the electronic access to the account of XXXX XXXX. XXXX has a savings account only. In XXXX, 2015 XXXX and her husband XXXX moved from XXXX, XXXX to enter home XXXX with their son XXXX in XXXX, XXXX. The nearest Chase Bank is XXXX miles away in XXXX. They opened an account at a local XXXX XXXX and, on the advice of a Chase representative, used funds transfer to moved their funds from Chase to XXXX XXXX. These transfers are limited to {$100000.00} per day. After XXXX transfers the electronic access was locked until XXXX of my parents presents themselves at a Chase Branch office ( XXXX miles away ). They are XXXX of traveling a total of XXXX miles. The Chase Operating Loss Prevention Team declined to resolve the issue telephonically although they did send a letter asking us to call so they could " update your account information so you can resubmit the payment. '' My father has a separate checking account so he can access those funds although I expect he will also have trouble accessing his savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Product: Credit card or prepaid card

I received a new credit card, new account opened, in the mail without my consent from Bank Of America ( BOA ). I called BOA and inquired about the card they sent. I informed them that i closed out my account about a year to a year and a half ago. They confirmed that the old account was closed. I inquired about how it was, that I was issued a new card, with a new account without applying for a new card, and they did not have answer for me. I also asked the to confirm the last XXXX digit on file of the new account and they replied with XXXX, which matched the card they sent me. I asked about when the new card was issued, I believed they said XX/XX/2023. I asked that they close the account, since I did not apply for a new card/account. 

Will this affect my credit score, since there was a new account created by them and me closing it out shortly after the account was created? 

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

I have contacted the collection company and experian, XXXX, Transunion I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**Name of Account and Account Number** : XXXX XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.