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

A loan with Affirm was take out fraudulently in my name for {$4000.00} on XX/XX/2022. I immediately reported this to Affirm. It was told they would freeze my account. Was also told that I needed to submit an Affidavit for XXXX and a police report to them so that they could open up an investigation into the matter. I completed and submitted the reinsured documentation in addition to an FTC Identity Theft Report to Affirm 3 times. They have emailed me back 5 times over the past week stating that I am responsible for the loan. I don't want this to wreck my credit. I've need additional support trying to get this issue remedied. Please look at the XXXX  complaints for this company. I am not the only consumer this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX reported to Transunion that I was late on a payment either in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. XXXX originally had removed these late payments due to an error. As of yesterday that added these late payments back to my credit report even though the date range is from XXXX and XXXX. They should not be able to add late payments from almost 2 years ago on my credit report especially since they were already deleted from my XXXX  report. This is an unfair and unacceptable practice.
Product: Debt collection

Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work.
Product: Credit reporting

This is a fraudulent account or someone else account appearing on my credit file I had this account investigated with Trans Union XXXX 2014 and it was removed from my credit report. Recently I check my credit reports threw XXXX XXXX and this account was reappeared once again. LONG STORY!!!!! Reinvestigated this information and it 's still showing up.
Product: Money transfer, virtual currency, or money service

My son, who is a military service member stationed in XXXX, wire transferred me {$750.00} from his XXXX account on XXXX XXXX, 2017 to my checking account with JP Morgan Chase. I received an email from the QuickPay team at theJP Morgan Chase bank on XX/XX/XXXX ( XXXX 's time is ahead of New York time ) confirming that a transfer was in process and that it would take 1-2 business days for the money to be transferred to my account. However, when I did not receive the money I called them and they said that the money had been deposited to an account which had my email address ( the same email address used in the transfer ). They could see the name of the person the money went to. I told them I still had access to that account and was still receiving emails but they said there was nothing they could do, that XXXX was responsible. My son called XXXX, who said that because he had authorized the transaction, JP Morgan Chase was responsible. I called Chase numerous times, my son called both XXXX and JP Morgan Chase several times and we even conferenced-called JP Morgan Chase. However, their response has been the same all the time - they can do nothing about the money transfer to the wrong person. To-date, I have still not received the funds.
Product: Credit reporting or other personal consumer reports

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a XXXX  weekend when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, Today is XX/XX/XXXX and I still have not received anything. The Deficiency and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the two and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX auction lot to receive my car. XXXX XXXX XXXX, silver, last XXXX of Vin # XXXX. I was only offered one solution by the charge off department, and that was to do a sales hold of XXXX, XXXX dollars, a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the max past due reported was 90 days. If they do not report correctly, how I am to trust this? The XXXX XXXX company doesn't state this, and I spoke with XXXX XXXX, Agency Compliance specialist at XXXX on a recorded line on XX/XX/XXXX at XXXX am, she stated the account was charged off at XXXX pm on XX/XX/XXXX due to being XXXX  days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX 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.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.
Product: Debt collection

I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation. 
They sent it to debt collection - reliantcapitalsolutions. 
And now the debt collector wants {$7500.00}. 

I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Dear XXXX, This has been a very stressful Situation. Please help us. I have paid all my financial obligations on time for over 32 years. I have been a client of XXXX XXXX XXXX since XX/XX/XXXX although it was under name, XXXX XXXX and then XXXX XXXX XXXX. 

I have a HELOC which matured XX/XX/XXXX. Approximately {$120000.00} owed on HELOC. 

I also have my First Mortgage with XXXX XXXX XXXX which is approximately {$170000.00}. 

My wife and I wanted to pay our Mortgage payments but we have been going through Loan Modification since XX/XX/XXXX and were told by Capital One we could not make any Mortgage Payments. 

There are at least 3 horrible outcomes from this time consuming and frustrating Loan Modification Process. 

1. Credit ruined causing us to loose Most of our credit availability including a {$450000.00} Line of credit used to Operate our business. 

2. Nothing has been accomplished in This Loan Modification! 

3. Our loan has been sold to A Loan Servicing company called XXXX Who still has no record of our Account details. 

We have spoken to over a dozen representatives of Capital One both at the branch Level, the loan Modification Department, and the Loan Origination Department. All requested documents have been submitted to Capital One and their respective departments requesting documents. 

If there are any questions as we are sure there will be on your behalf, please call immediately at XXXX or XXXX. 

Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX
Product: Debt collection

I XXXX XXXX THIS IS MY MEDICAL DEBT BUT MY INSURANCE PAID THIS OUT AND IT DONT SUPPOSE TO BE ON MY CREDIT REPORT AT ALL AND IT NEED TO BE REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint concerning an account on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX I'm writing to dispute inaccurate information on this account as follows Please Remove this entire account** from my credit report as I have no affiliation with it.
Product: Credit reporting or other personal consumer reports

This letter is to ask for a reinvestigation to the complaint ( XXXX ) summited to Experian. The company did not provide any proof that shows the accounts are mine. They only stated to contact them dirrectly. That is not what I asked for. Please reinvestigate and send me proof including the names and addresses of the people you spoke with to verify the accounts are mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im not liable for this accounts and they should be removed from my consumer report. If you can not provide me with the documents being requested delete accounts.
Product: Credit reporting or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Application ID : XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXXXXXX 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 Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

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

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, XXXX could not provide the services that they sold to me due to the coverage issues they were having and their need to add more cell tower coverage in my area. I had expressed many concerns with XXXX and rather than doing the responsible thing, they chose to make me wait out my contract. As painful as that was when canceling, I had already paid for services in advance to XXXX so the last bills should have been covered. XXXX sent an erroneous balance of {$410.00} to Convergent to collect on. They had already collected monies that covered any final bills and this was challenged by me and subsequently removed from my credit report. Now in XX/XX/XXXX and without any notification, I see that it was again added to my credit file and there was no communication informing me of this. This is a complete misuse of power and needs to be removed as it is effecting my credit report. I do not have any history of collections EVER with any other company. XXXX and Convergent are in the wrong and it is effecting me personally. I am hoping for assistance or I may need to  contact my attorney. At this point, its about doing what is right. I genuinely believe that XXXX is just a big company that isn't getting the right people assigned to this and that this file is being bounced around with the representatives that work at Convergent. All I am asking is that this be removed off of my credit report as it has already been challenged and removed previously. This is double jeopardy and a big company game that needs to stop.
Product: Debt collection

The company listed as " Monarch Recovery Management '', phone number XXXX, has been constantly calling me on a daily basis. I have no debts owed and they are trying to aggressively get me to pay money that I do not owe by constantly harassing me. 

I have contacted the company numerous times to stop calling me and they confirm each time that they will cease all calls to my number. They just keep calling multiple times a day and have ignored my requests to cease their harassment. 

This has been ongoing for several months and it is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage . Bmw financial services said there is nothing they can do I have filed a dispute with  XXXX  and they said BMW i s not responding. although the account has been paid it is still reflecting on my credit file as open.
Product: Debt collection

I was contacted in XXXX of XXXX from a company by the name of XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, TX XXXX for the collection of credit card debt, the representative 's name was XXXX XXXX. The contract/settlement agreement was for {$2100.00} from XXXX until this amount was paid in full. I provided my bank account information allowing an auto draft of {$75.00} to be deducted each month. This company informed me that I would be notified once the debt was paid. This did not happen, this company collected an additional {$1200.00} from me, which resulted in having to close my account, and report this to my bank as fraud. I did not discover this until XXXX of XXXX. I was completely taken advantage of and exploited. All I was trying to do was settle this credit card debt out of court. I tried multiple times to reach out to this company, however ; they no longer exist. This is a violation of my consumer rights and I need to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Aidvantage to stop reporting 13 accounts in my consumer report. I never give any verbal or written consent to report any of my informations regarding student loan on my consumer report. I kept sending them letter to stop reporting those accounts but they even did not respond by mail as requested and as my only method of communication, instead, they send me a email that the accounts were accurate and no further actions will be taken. 
The reporting of these accounts is causing my to miss opportunities to access credit and is causing me XXXX  distressed as any lender will mention that I have student loan debt in my consumer report. And making me also miss opportinities to have housing for my family.
Product: Bank account or service

I had someone use my debt card in another State fraudulently. I filed a dispute and sent it via the companies guidelines through email to their disputes department. It was XXXX XXXX, 2016. I was told I would get a provisional credit until they finished their investigation. As of XXXX XXXX, 2016, I did not yet get a credit in any manner to my account. I have no money to buy food and pay bills. I have accrued addition late fees for bills to amount {$100.00} in total because of their delay and breach of contract.
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. Equifax 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates 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 Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. 
FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX  or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.
Product: Credit reporting or other personal consumer reports

For approximately one year I have repeatedly sought to remove an item from my credit report that is there in error. For over one year XXXX XXXXXXXX XXXX XXXX has continually reported information on my credit report that is incorrect. XXXX XXXX XXXX XXXX  has reported this incorrect information and continues to do so to all of the major credit reporting bureaus. The information that XXXX XXXX XXXX XXXX is reporting is incorrect because the debt that they are reporting is not mine. I have never contracted in any capacity with XXXX XXXX XXXX XXXX. I did not open an account with XXXX XXXX XXXXXXXX XXXX  I did not authorize any person or party to act on my behalf to open an account with XXXX XXXX XXXX XXXX. I will not and have not benefited in any way from this account that XXXX XXXX XXXX XXXX is reporting. 
In trying to remove this account from my credit report I have reached out to all parties involved ( XXXX XXXX XXXXXXXX XXXX and the major credit reporting bureaus ). I have filed numerous disputes with the major credit reporting bureaus indicating that this debt does not belong to me. Each dispute has resulted in the same outcome, where the debt is claimed to be verified. Throughout the past year I have made four separate written requests to XXXX XXXX XXXX XXXX demanding that they validate, verify, and provide all corresponding paperwork with regards to this debt. I HAVE NEVER RECEIVED A RESPONSE TO ANY OF MY WRITTEN DEMANDS. I have contacted XXXX XXXX XXXX XXXX numerous times via telephone and I have been told each time that such requests must be made in writing. 
When disputing this debt with the major credit reporting bureaus I have included the aforementioned information. The major credit reporting bureaus are aware that I have made said demands on XXXX XXXX XXXX XXXX and that they have not responded to said requests. Despite this obvious non compliance with various governing laws and regulations all the major credit reporting bureau have continued to report this incorrect information on my credit report. It appears that said major credit reporting bureaus are satisfied with the information that XXXX XXXX XXXX XXXX is submitting in response to my initiated disputes. All the major credit reporting bureaus have denied my requests to examine the documents that XXXX XXXX XXXXXXXX XXXX submits in response to my dispute initiation.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquires over 90 days still on the on, some go back toXX/XX/XXXX,XX/XX/XXXX