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

Hello, this is a follow up to my original complaint list below. I still have not had any resolution from AFFIRM - XXXX SUBMITTED ON XX/XX/2023 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with cash advance Good afternoon, I was scammed by a criminal that opened up a {$7000.00} loan with Affirm in my name. They stated that they were going to walk me through a process to deny a loan however they actually walked me through a process of opening a loan in my name and spent all of the $ off of a virtual card. I immediately filed a police report, as well started a case with the Actual company of Affirm. Affirm sent me an email stating that they investigated and concluded I was not responsible for this loan. The next day I received another email from Affirm stating the 1st email was a mistake and that the case is still under investigation. I have followed up with Affirm every 2 weeks since XXXX and they keep stating that I have will receive an email within 3 to 5 business days and I have not received anything since the 2nd email. I have added the copies of the 2 emails from Affirm. I also filed a police report the day this happened on XX/XX/2023 - Case ID XXXX. I have requested a copy and will add this to my complaint once received. Please contact me at XXXX with any questions.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( XXXX ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). 
The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. 
Under FCRA Section XXXX, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved. 
The credit bureau ( XXXX ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account. 
My Requests : XXXX. Immediate Deletion : - I am requesting that the credit bureau ( XXXX ) immediately delete this account as it is fraudulent. If it can not be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed. 
XXXX. Investigation : - I demand the credit bureau ( XXXX ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account. 
- The ID used to open this account and proof it matches my information. 
- Full chain of custody of the account and records of all transfers. 
- Proof of legal authority and licensing of the debt collector/creditor to collect this debt. 
XXXX. Compliance with the Law : - The credit bureau ( XXXX ) must comply with FCRA Section XXXX by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action. 
This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me. 
I have attached all relevant documentation, including my correspondence with the credit bureau ( XXXX ) and copies of my credit report reflecting this account. 
Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you
Product: Checking or savings account

Due to the fraudulent charges on my account, Ally is now sending back my auto pay for my cell phone and has also sent back my {$50.00} Payment to XXXX. I mentioned this to them but just like everything. It fell on deaf ears. I failed to add this in on the Original complaint. 
I did tell them I had bills to pay because of them saying their investigation would take 10 business days. Please help!
Product: Payday loan, title loan, or personal loan

I ordered an item from XXXX and chose 'affirm.com ' as a third party for a method of payment. I chose 6 months installment with 0 % interest. After a never-ending wait for the item to come, I contacted the merchant to get an update of the order. It turned out that the item was delivered, but I did not receive it. I asked for the 'proof ' of delivery, the merchant provided a picture that acted as the 'proof ' of delivery ; however, the picture shows that the item was on a different property other than the one stated on the address. I provided the picture of my property to the merchant to assure them that the item was not delivered as promised, but the merchant was giving me a hard time and did not want to refund the money. Therefore, I decided to dispute the transaction through affirm.com. I provided proof that the item was not delivered to the right address. After several days, 'affirm.com ' made a decision in favor of the merchant despite the irrefutable evidence that the item was not delivered as promised ( to the right address ). They said that the merchant already processed and delivered the item to the right address and it is my job to contact the merchant to resolve this issue *even though I already did. They forced me to pay for something I don't even get. Affirm.com reported an 'overdue ' payment of my account to the credit score bureau and destroyed my credit score. Affirm.com has violated their own policy by not protecting their customer, and forcing them to pay for something that they don't even receive. This is disgusting and a disgrace!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
MXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Credit card or prepaid card

Citibank solicited my application for their neew Simplicit Card which offers 21 months of 0 % APR on balance trqnsfers but did not disclose the 5 % initial fee charged to the account
Product: Debt collection

PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$8800.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with PORTFOLIO RECOVERY ASSOCIATES LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, PORTFOLIO RECOVERY ASSOCIATES LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Debt collection

To Whom It May Concern : I am member of a credit monitoring service. I received an alert of a collection that was put on my report. It was a collection from Bull City Financial Solutions in reference to an old credit card through XXXX XXXX XXXX XXXX for the amount of {$9700.00}. 
This needs to be removed ASAP! I am not responsible for this debt. My ex-wife is responsible. 

Back in XX/XX/XXXX of this year XXXX XXXX XXXX XXXX sued me for the debt. In turn, I counter sued my ex-wife. She contacted XXXX s attorney and made an agreement with XXXX XXXX XXXX XXXX. At the hearing on XX/XX/XXXX, XXXX XXXX XXXX entered her Judgement and requested that I would be dismissed of the obligation. 

I have attached a copy of the civil judgement order showing the claim against me is DISMISSED. 

Bull City verified with the original creditor " XXXX XXXX XXXX XXXX '' that I have been released from the debt back in XX/XX/2018. They removed it from my credit and in the last few day re-posted the collection to my credit. When I called them, they clearly said they further reviewed it and I am still responsible to pay them before they will remove it. I can give them a credit card to cover the amount of the collection. This makes it illegal. Clearly knowing I am not responsible for a debt and they are trying to collect.
Product: Money transfer, virtual currency, or money service

The total amount of money lost was about {$6200.00}. I explained to my bank that the money transferred into my XXXX XXXX had been stolen but they said there was not enough evidence to prove that the money was stolen. Under the assumption that I was in a partnership with someone I met online, he told me he wanted me to learn crypto and he would repay me if any of my money was lost. This began in XXXX XXXX XXXX and was over by XXXX XXXX XXXX. The person who scammed me created arguments until he fully backed out of the conversation, making it impossible for me to transfer my money back into my account.
Product: Checking or savings account

I believe Capital One has committed an egregious UDAAP violation against myself and all former XXXX Direct savings account owners ( otherwise noted as Capital One 360 Savings owners post-acquisition ). Capital One created an exactly comparable product called the 360 Performance Savings ( vs Capital One 360 Savings ) with a greater interest rate and all the same account services and benefits. They are still providing legacy account holders a 0.30 % APY while new customers opening the exact same account receive a 4.10 % APY. When I contacted the bank to clarify this problem, they told me I could close my account and open a new one. This seems like a very deliberate attemp and unfair practice that intends to capitalize on banking customers not catching the change or rate difference.
Product: Debt collection

I received a call from a Mr. XXXX stating he had a claim that was filed in his office with Compass Group and that he would prefer I call him back to speak with me and find out what was going on before he filed anything through my home county. He left a phone number and case file number to reference. At no point did the caller identify himself as being a debt collector and made it appear that they were a legal organization with plans to file suit on a complaint against me. I only found this was a collector through searching the company name online. I do not have this listed on my credit report from any debt so it must be an old debt if it is legitimate at all. I did not speak with the individual. This information was left on my personal cell phone voicemail.
Product: Debt collection

I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. 

They list account # XXXX with a debt of {$280.00} ... 

I have contacted XXXX and they have confirmed that this is not my debt. 

I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. 

The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. 

Thank you for your help. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX
Product: Credit card

I supplied Discover with payment coupons to pay and clear the DEBTS that I owed. This company REFUSED to accept these payment coupons as PAYMENT and also REFUSED to RETURN them to me as I requested if they ( payment coupons ) was not accepted as payment. This action by this company have HARMED my credit report and score with ALL 3 credit bureaus.
Product: Credit card or prepaid card

Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 

, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on the XX/XX/2019 promotion and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. If my automatic draft deducts {$120.00} from my checking account on XXXX then it will be the wrong amount as I already paid off one of the promotions 2 weeks ago.

To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date I paid extra but they still didn't apply to my correct account. they did this before and I don't want my credit to suffer again from in correct billing XXXX XXXX : CustomerXXXX XXXX : Initial Question/Comment : Hello, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on this XX/XX/2019 promotion is {$280.00} and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. 

My minimum payment is {$120.00}. which comes out of my checking account automatically but I called in and paid an additional XXXX to pay off a promotion. Now my account is being drafted again and that XXXX is not applied to pay off my promotion. 

They said I must pay off promotion before the expiration date or I will have to pay all the interest. I paid it early because they have done crazy billing practices that make me late when I have auto debit and as well as call in to make extra payments. Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 



XXXX XXXX : SystemSystem : XXXX XXXX has left this session!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the unauthorized inquiry is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the listed inquiry removed ; EQUIFAX : XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXXXXXX  dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XX/XX/XXXX I had requested validation of these debts from each company and have asked the credit reporting company to remove these accounts because they are not mine. They have just updated some with XXXX balance and are still willfully reporting this information where it has been released to my current employer as well as caused me to not qualify for property. I was also informed my information was apart of sever breach with XXXX and department of health. I have since filed an identity theft report ( reference # : XXXX ) with the FTC which I have attached.
Product: Debt collection

I was illegally evicted from the property that was being serviced by the electric provider ( XXXX ) in early 2023. This illegal eviction came as a result of a large-scale, unnannounced construction project that rendered my apartment unlivable while I was away on business. I was able to settle with the landlord outside of court and subsequently let out of the leasing contract. I moved out of the apartment in XXXX of 2023 and shortly thereafter, my leasing contract was terminated. Although I was no longer living in the unit, the property manager left the XXXX electricity account in my name until they were able to find a new tenant. This resulted in all of the electricity being used in the apartment ( presumably, to power their construction equipment ) being charged to my name. I disputed the account directly with the debt collector when they reached out for further information through the mail. This resulted in " Online Information Services '' ignoring my claims and posting the collections account to my credit reports anyways. Given the swiftness of their decision to ignore my qualms, I felt it was fair to assume that they have not done any sort of investigation into my situation and decided to make a case with the CFPB. This case ( XXXX ) ended up being resolved in my favor and the debt was removed from all my credit reports. 

Fast forward to present day, Ive received ANOTHER {$190.00} collections account from a completely different collections agency. This means that XXXX XXXX XXXX has purchased my previously XXXX debt from XXXX XXXX XXXX and now re-attempting to collect.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, D.C. 20529-7170 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion Consumer Solutions concerning an inaccurate late payment entry on my credit report that remains unresolved despite my efforts to correct the issue. 

Account Information : - Creditor 's Name : XXXX  XXXX - Account Number : XXXX - Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion regarding a reported late payment. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the late payment entry is inaccurate for the following reasons : 1. I have autopay set up for this account, and my payment was processed on time. 
2. There may have been a clerical error by the credit bureau. 

Despite providing this information and following the dispute process as outlined in the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and overall financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies comply with the Fair Credit Reporting Act and the Truth in Lending Act. If the inaccuracies can not be verified, I request that my credit report be updated accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX, XXXX, MI, XXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX XXXX report : XXXX the victim of identity theft and I dont recognize XXXX or more of the inquiries on my report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

I appreciate your prompt attention to this matter, and await your reply. 

XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.
Product: Checking or savings account

on XX/XX/XXXX and then again on XX/XX/XXXX I called Truist Bank to close my checking and saving accts. On the XXXX I was told that I needed to make deposits to bring each account to zero based on fees and withdrawals. I made that arrangement, and after the account balance was XXXX another maintenance fee went through before I called back to close the accounts. While on the phone the back agreed to credit the fees, but could not close accounts again. The stated reason was that they needed to wait for the pending credit ( issued by the bank ) to clear. I questioned if they could document that I want accounts closed as soon as the balance is XXXX with nothing pending. They are unable to do that. 
Since early XXXX, I have been trying to get ahead of fees and pending charges. This is not only a huge inconvenience, but I also question whether these ongoing fees are legal.