23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a second complaint regarding the ongoing reporting of fraudulent items on my credit report, despite my previous dispute and request for removal. It is deeply concerning that these issues persist, and I urgently request your immediate and thorough investigation to rectify these persistent inaccuracies. My credit report continues to include multiple inaccurate addresses that I have never resided at or had any association with. Despite my previous dispute, these inaccuracies persist and are causing confusion and potentially affecting my creditworthiness. I demand the immediate removal of these inaccurate addresses to maintain the accuracy of my credit profile. I have previously disputed several accounts that were inaccurately reported as late closed, charge-offs, or repossessions and a collections. Despite my prior efforts to rectify these issues. I urgently request a comprehensive review of these accounts and the correction of their statuses to accurately reflect their current standing. I have identified inquiries made by companies or institutions that I have not authorized or initiated. Despite my previous dispute, these inquiries continue to negatively affect my credit report. I demand the immediate removal of these fraudulent inquiries to prevent further damage to my creditworthiness and protect against potential identity theft. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address these issues promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the delay in resolving these matters, as they have persisted despite my initial dispute. These following fraudulent items should be removed right away : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} 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, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I purchased tickets for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}, which obtained them from XXXX, and financed the purchase through Affirm. The total price, including hidden service fees and artificially inflated dynamic pricing, was not transparently disclosed at checkout, leading to an unexpected financial burden. 

Upon discovering that the tickets were grossly overpriced due to deceptive business practices, I attempted to resell them through XXXX, only to find that XXXX imposes excessive fees on both sellers and buyers, making it financially impractical to recover costs. XXXX refused to issue a refund, citing its rigid " All Sales Final '' policy, despite the Colorado Consumer Protection Act ( C.R.S. Title XXXX, Article XXXX ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibit deceptive trade practices.

I formally disputed the charge with Affirm and requested that they void the loan due to XXXX fraudulent pricing practices and lack of transparency. On XX/XX/XXXX, Affirm denied my dispute, relying solely on XXXX refund policy instead of investigating the misrepresentation and deceptive nature of the transaction. 

Since then, I have filed a XXXX  complaint against Affirm, to which they have not responded for over a week and a half. Meanwhile, Affirm continues to send daily collection emails despite being aware of this dispute. Additionally, I have already paid two months toward this fraudulent loan and am requesting that Affirm issue a refund for those payments in addition to voiding the loan. 
Relevant Legal Precedents : Several ongoing lawsuits highlight the deceptive nature of XXXX and XXXX business practices : XXXXXXXX XXXX XXXX XXXX : Plaintiffs accused XXXX XXXX fraud, price fixing, and enabling scalpers, harming consumers through artificially inflated pricing. 
XXXX XXXX XXXX XXXXXXXX : A federal class action alleging that XXXX misled fans, violated antitrust laws, and engaged in deceptive pricing tactics. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : A DOJ antitrust lawsuit ( joined by 29 states, including XXXX XXXX  seeking to dismantle the monopoly between XXXX and XXXX XXXX citing anti-competitive behavior and consumer harm. 

This transaction was facilitated through deceptive business practices that are currently under federal investigation, and I urge Affirm to reconsider its decision and resolve this matter fairly.
Product: Debt collection

XXXX had put a thing on my credit report saying I owed XXXX so I disputed it and told XXXX to show proof I owed the bill or remove it they removed it but then another company EOS CCA put it back on so I told them I want proof of the debt or remove they told experience it's a valid debt but won't send me proof of a bill or anything else saying it is avaliable debt or if the amount is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legitimate dispute with EXPERIAN and when I submitted my dispute they didn't not lawfully conduct the investigation require by The FCRA and are violating FCRA Section 623 ( a ) ( 1 ) ( A ), the " Creditor '' didn't submit anything to rebutt the Affidavits or the accusations of Identity theft or mis-identification, NO CONTRACT was submitted, absolutely nothing from the " Creditor '' but EXPERIAN is still reporting this a Valid. The employee of EXPERIAN failed to properly identify herself and said that EXPERIAN does not have to obey the law when reporting on a persons Credit, the only identifying information for the EXPERIAN Rep. is " XXXXXXXX '' on " XXXX XXXXXXXX '' she would not reveal her desk number or any other identification information to verify who she was.
Product: Credit reporting or other personal consumer reports

I have asked for method of verification because when I showed proof of inaccurate report everything comes back as verified and updated I asked that if they can not show me how the information they have is accurate please remove the items from my credit report
Product: Checking or savings account

I filed a previous complaint ... and they sent me a document showing when I canceled All my online bill payments and then showed when they actually canceled them and some of them were canceled way after I did, this is unacceptable what a bunch of shysters I played phone tag with this Woman from 5/3 multiple times she never called me back at the number I asked her to call me back at multiple times when I left a voicemail I am absolutely done playing games
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and Experian in XX/XX/XXXX, and XXXX in XX/XX/XXXX.  All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Product: Debt collection

University XXXX XXXX XXXXXXXX XXXX sent me a bill for {$360.00}. I paid {$150.00} on that account and because I was in XXXX for XXXX and not making the payments fast enough, they sent the account to a collection company called ACEI.  Unfortunately, they lied and told ACEI that I owed almost {$390.00}. They also failed to report to ACEI that I had paid them {$150.00}. ACEI began trying to collect the erroneous amount of {$390.00}. I disputed the amount and also asked that I be credited for the {$150.00}. I paid the remaining balance on XX/XX/19 -- which satisfied the original debt of {$360.00}. 
ACEI continued to harass me and tried to collect because University XXXX XXXX   REFUSED to tell the company that I had already paid {$150.00} Before they even sent it to collection. I have PROOF of the initial bill plus every single payment I made to University XXXX XXXX AND ACEI ( see attached document ). The payments of {$100.00}, {$50.00}, {$210.00}, and {$10.00} are highlighted. Simple math will reveal that they satisfy the {$360.00} bill. 
Once UNiversity XXXX XXXX  XXXX XXXX sent false information to ACEI ( they never told them I had paid {$150.00} of it ), ACEI then broke every consumer law,  including the FCRA, by posting derogatory information to my credit report on XX/XX/19.  Although I only had ONE account with University XXXX XXXX  XXXX XXXX ( account XXXX ), ACEI falsely indicated that I had 4 accounts. That act allowed them to hit my report with 4 different collection accounts. I don't owe ACEI or UNiversity XXXX XXXX XXXX XXXX ONE penny. The {$360.00} was PAID IN FULL by XX/XX/19. I blame UNiversity XXXX XXXX XXXX XXXX  JUST as much as I blame this predatory company, ACEI
Product: Mortgage

Citibank fraudulently used an old HELOC for 10K that I opened with them inXX/XX/XXXX when I bought a home. Never used it, but loan officer said " just in case it 's good to have. '' IN XX/XX/XXXX CITIBANK cancelled the HELOC due to lowering home values.I refinanced mortgage to XXXX in XX/XX/XXXX who since held the loan. Citibank had no balance on account, no mortgage - XXXX owed them. 

InXX/XX/XXXX ( 10 years later ) Citibank sends a bill for their " force bought flood insurance '' and its retroactive toXX/XX/XXXX! Citibank reopened the HELOC that was from an original XX/XX/XXXX Loan long ago paid off, they had no interest ( zero ) in the home. Yet CITIBANK re-opened the HELOC 10k fraudulently & illegally, and used account to bill me {$5000.00} of " force bought flood '' insurance valued at $ XXXX retro backdating insurance charges to XX/XX/XXXX. 

Basically placing a lean on a home they had no mortgage on, and no right to insure. 10 + years later reopening an old HELOC, using this as justification to buy flood insurance using my XX/XX/XXXX account that was long settled, without my approval on a mortgage that they did not own. 

This is fraudulent, does a BANK have a right to re-open accounts from old mortgages using HELOCS to buy insurance WHEN they have n't serviced the mortgage for years??
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681i Section 1A states the FCRA bank system is dependent upon accuracy and fairness. Any inaccurate reports directly impairs the efficiency of the banking system. Also a investigation must be conducted.

Also 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.
Product: Debt collection

they claim I owe XXXX XXXX dollars I called XXXX and they said XXXX lady 's XXXX of XXXX and XXXX of XXXX my account with my password which was my XXXX name after I filed bankruptcy which they were to have closes XX/XX/XXXX when I filed, but fell though the loops, the XXXX lady used to rent off of me in XX/XX/XXXX/XX/XX/XXXX so of course she new my only XXXX name is the only way I can explain I told them to go get them for fraud and never heard from them again until I seen on my credit rerport
Product: Consumer Loan

The collateral for this loan was in an accident on XXXX/XXXX/16. It was declared a total loss on XXXX and check mailed out on the following day by XXXX. I spoke to WFDS and explained the situation and asked if I would still need to make the XXXX payment and was told that if the money was received by the insurance company I would be fine to not. I called twice weekly asking about the payment when the website was n't updated and was finally told on XXXX/XXXX/16 that they did not, in fact, receive the payment. 

Frantic I told them that I was 7 days away from being 30 days late. They said not to worry, have your insurance company stop the check, issue a new one and overnight it to the following address : XXXX Attn : Wells Fargo Dealer Services XXXX XXXX XXXX - XXXX XXXX Colorado XXXX It was sent the following day ( XXXX ) as XXXX had already picked up from XXXX that day The XXXX checks totaling ~ {$20000.00} were received by WFDS on XXXX at XXXX local time and signed for by XXXX XXXX. 

I called XXXX, XXXX, XXXX asking if they had posted, worried about my credit and was told by XXXX, XXXX and XXXX that it would be fine, and the payments would be posted by the postage date. 

After the weekend, I continued calling, still worried about it not posting and then showing XXXX payments due and was told by XXXX that money, contrary to the original calls, would be a " principal only '' payment and that I was indeed late and our line got disconnected. I called back AGAIN and was told by XXXX that I was ok and it would not be. No one at WFDS is helping or making sense, and I 've worked SO hard to make sure that my credit was perfect after our chapter XXXX. They have now as of XXXX/XXXX/2016 posted it as 30 days delinquent despite being told repeatedly I was fine and had nothing to worry about. 
They have now also put me down as not having insurance, on a totaled car, and are threatening to place insurance at an absurd cost to a car that does n't exist anymore. 

Please help.
Product: Credit card

Im a victim of identity theft some one remove a tradeline off of my report wirh out my consent the account name XXXX Account # XXXX consumer Law states the report post to be accurate and complete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX. XXXX XXXXXXXX XXXX XXXX on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Student loan

I requested COVID repayment of the {$5500.00} in payments I made during COVID from XXXX in XX/XX/XXXX. On XX/XX/XXXX my loans were transferred to MOHELA. I contacted MOHELA in XX/XX/XXXX to check the status of my repayment and was told it would be processed. I called MOHELA again in XXXX to check the status of my repayment and was told that I would have to prove I made the request from XXXX before the XXXX deadline. I was able to receive confirmation from XXXX that I had made the request prior to the deadline and I forwarded the information to MOHELA in XX/XX/XXXX. They initially informed me they would process the repayment. When I called back in XXXX of XXXX to check the status the customer service rep said it was cancelled and that I would have to file a federal lawsuit if I wanted to get the repayment. I requested to speak to a supervisor and was informed one would call me in two to three weeks. No one ever followed up from MOHELA. I made my request for COVID repayment of the {$5500.00} I paid in student loans during the COVID pause and MOHELA is not following the policy in place at the time and processing my repayment request.
Product: Payday loan, title loan, or personal loan

I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite several attempts to have this late payment removed, it still remains on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home.

I want to point out that I canceled my services with your company before any further damage could be done to my credit score, and I have made several attempts to have the late payment removed from my credit report directly with your company. However, my requests have gone unanswered and the late payment remains on my credit report. 

I would appreciate your immediate attention to this matter and request that the late payment be removed from my credit report as soon as possible. I am eager to move forward with my plans to purchase a home and rebuild my credit
Product: Debt or credit management

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Mortgage

I previously asked for help from the CFPB. CFPB reached out to Shellpoint mortgage and closes the case. however, based the Shellpoint response, majority of the response was not correct and is inaccurate. I am having a new issue with this company trying to charge me for a force place insurance when i had acceptable insurance where they denied to make payment through my escrow account. I'm attaching my communication with shell point mortgage. Shellpoint is now trying to charge me {$35.00} per day for 7 days of force place insurance. I don't owe them any money and the documentation provided would prove that. please help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

In XX/XX/2021, I applied for a Bank of America Secured Credit Card in the amount of {$1000.00}. My {$1000.00} was to be deducted from my checking account when approved. Bank of America denied me the Secured Credit card with no good reason. Bank of America is falsely advertising by offering a secured credits card to rebuild credit.
Product: Debt collection

Dails to fully validate the debt. Original creditor was over 5 years ago which debt is passed the statue of limitations for Florida. Debt was just bought and not updated with correct open date. False debt is in accurate.