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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX LAST FOUR SSN # XXXX DOB : XXXX C.E.O. for XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX, GA XXXX PRIVATE AND CONFIDENTIAL This is a LEGAL NOTICE and not a letter. 
Dear C.E.O XXXX XXXX, I am writing to dispute the inclusion of VALIDATE THIS DEBT Delinquent Child Support Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. IF YOU CAN NOT VALIDATE THIS DEBT IMMEDIATELY REMOVE FROM CONSUMER REPORT. 
I request that you promptly review my credit report and remove XXXX CHILD SUPPORT XXXX XXXX VALIDATE THIS DEBT ). Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX CHILD SUPPORT XXXX XXXX REMOVED ACCOUNT from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

Affirm.com allowed my account to be hacked into. I once did have a valid one time line of credit with Affirm.com, but I paid it off in full. On XXXX someone used this should-of-been-closed Affirm account too buy laptop and micro wav at a XXXX. My XXXX XXXX  was getting ready to debit {$140.00} in my XXXX XXXX Account, but I was able to put stop payment in place. Affirm.com told me the account was hacked and gave me a XXXX XXXX  link where it started. I begged Affirm.com to shout down my old account yet it remain open. On XXXX the same day issue came to light I opened dispute case in this matter with Affirm.com, and they claimed they would email me a reply within a week. To this day Affirm.com has not gotten back with me. I managed to view a copy of my credit report and there's no record of any new line of credit with XXXX of Affirm.com! But someone is still trying to reenable my bank auto bill pay on this hacked XXXX issue! Call Affirm.com few time more, but they will not confirm account legally closed! Also when I opened my real Affirm account for credit on a watch at XXXX & XXXX I made one extra payment before it was due but I never saw credit for extra payment at payoff time. I want account closed and balance due me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The student loan servicer engaged in unconscionable commercial practices, deceptive conduct, and misrepresentations when servicing thousands of New Jersey consumers student loans.

Navient s deceptive and unconscionable tactics at various times over the last decade Steering borrowers into forbearance instead of income-driven repayment plans better suited to their financial circumstances. Failing to inform borrowers of deadlines to recertify their eligibility for certain income-driven repayment plans. Misleading borrowers about the amount of their delinquency.
Also, two counts of New Jersey Consumer Fraud Act ( CFA ) violations one for unconscionable commercial practices and deception, and one for misrepresentation.

" Navient had a responsibility to help financially struggling borrowers select a loan payment solution that offered them a fair chance to pay back their debt. Instead, the company incentivized its employees to put company profit above their legal obligations, with little or no regard for the student borrowers who fell deeper into debt as a result.  '' Desire to join action : State of NJ, XXXX, AG XXXX, NJ DCA Dir. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXXn Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Mortgage

My daughter went through a break up with her boyfriend and moved in with us. She also brought our XXXX year old granddaughter. This increased our expenses and we fell behind on our mortgage payments. Then the COVID hit and I lost my retail job at XXXX and my husband 's side work was cut off. The decrease in income made our efforts to get a loan modification difficult because we no longer had the income to pay even a modified payment so we asked for the forbearance under the CARES act. We were denied and told to apply for a modification. Without our incomes we only receive social security income and we can not afford to pay a mortgage payment. Due to COVID our daughter is also not working and school has been cancelled for our granddaughter. We are supporting two additional people and have a had a decrease in income. We are asking for a forbearance as to not be served foreclosure until we can get back to work.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXXXXXX XXXX XXXX
Product: Student loan

This is a totally unacceptable response to an issue I have been working on resolving with AES for 6 months. This company should be investigated by not only the justice department but the entire student loan program should endure congressional investigation. 

ResponseThe response to your Consumer Financial Protection Bureau inquiry from American Education Services/Pennsylvania Higher Education Assistance Agency ( AES/PHEAA ) is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This company placed hard inquiries on my XXXX credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( Check n Go/ Axcess Financial ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you.

Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry I did not authorize..
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXX/XX/year>, I want to express how disappointed I am with the company, Sigue because on XX/XX/year>, I made a shipment to XXXX. With a lot of effort, I put this money together to send it to my mother. After I sent it, they kept giving her excuses to not deliver it the money. As the days went by I decided to go to the place where I made the shipment. Still, they no longer answered my call so I spoke to the owner of the business and he told me that he would try to call. Still, after so much time I never received a response from him and I have also tried to call Sigue countless times but the number found on the shipping receipt no longer received calls nor can I leave a message. The truth is, I would greatly appreciate it if someone took the time to help all the affected people because I don't think I'm the only person who had this bad experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and the Creditor XXXX Ally Financial XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency keeps reinserting this false collection account from XXXX amount {$XXXX} on my credit report this same account has already been disputed and deleted two other times and it keeps coming back, I think I may need to seek legal advice. I have already contacted them about it is still on my credit report.
Product: Credit card or prepaid card

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Product: Checking or savings account

There was an unauthorized transaction with my account and Wells Fargo still didn't refund my money and has charged me more NSF Fees! and returned an item
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 an 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.
Product: Credit card

I was checking my credit card account on XX/XX/year> when I noticed I had a balance on my card over my credit limit. I found two transactions for {$170.00} and {$170.00} on XX/XX/year> that I did not make the purchases on. These two transactions never should have went through, and the bank that this credit card is with does not have an sort of easy complaint form for this type of fraudulent activity, as well as I was not informed of these transactions as required by law. I am very furious at this situation, as I just lost my job and having a credit card balance over the credit limit of the card is unfair.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 paymen t reported in 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
Product: Credit reporting or other personal consumer reports

Despite numerous attempts, I have been unsuccessful in resolving the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of XXXX XXXX I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the XXXX XXXX XXXX XXXX XXXX XXXX, which outlines this issue and seeks resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has had me send in multiple FTC reports and refuses to honor my identity theft reports. Which is why there 2 different FTC reports. I've sent certified mail 3 different times asking for these fraudulent inquires to be removed from Equifax credit profile and they will not honor my reports
Product: Debt collection

On XX/XX/XXXX, I reached out via courier service to Portfolio Recovery Associates , LLC asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. 
On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing.
Product: Checking or savings account

I am a victim of identity theft. I have never opened an account with you guys. I have filed a complaint with the ftc as well.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have several hard inquiries that were not me Id like to get rid of by the companies 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 XXXXL XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2018, I contacted XXXX to have them come out on XX/XX/18 and spray for ants. I paid the initial fee of {$99.00} for the first visit and agreed to quarterly payments of {$120.00} every three months. 
On XX/XX/18, I emailed XXXX at XXXX saying that the ant problem was worse than before they came. She said that was normal. 
I emailed several more times saying I wasn't pleased with their service as the ants were still invading our house. 
On XX/XX/XXXX, I emailed stating that I did not want their service any longer because the ant problem was never resolved. I started getting emails saying that I owed them the {$120.00} for the first quarter even though it hadn't even been 3 months yet AND I paid for the initial treatment. 
I emailed XXXX on XX/XX/XXXX complaining again that I was still getting bill notices even though I had canceled the month before. 
I then contacted XXXX on XX/XX/18 and he basically said I never canceled even though I had a trail of emails showing that I did AND we weren't getting service from them anymore so why would I owe anything. He refused to listen or help with the situation. I have tried to contact him several times more and have received no response. 
In XX/XX/XXXX, I received a bill from Optio Solutions Collection agency for {$350.00}.
Product: Credit card or prepaid card

XXXX of 2015 I purchased a XXXX XXXX from XXXX with a Barclay credit card. It had a 18 month no interest offer. So I made more than the minimum payment knowing I probably wouldn't pay it all off in 18 months but that I'd get it paid down. During that time I had used it for other items but always made payments. 

When the 18 month promotional period I was charged {$610.00} in interest. From that point until today my interest charges have ranged from {$61.00} to {$51.00}. So for over 3 years I've paid more than {$2400.00} in interest on a {$2000.00} credit card. My payments went from {$38.00} to over {$80.00} a month for something as little as a {$610.00} increase. They not only tacked 100 % of the interest, then they increased the interest. 

When I called about it I was treated like I was a XXXX and that I should have known how interest works and that's it's too late. If I don't make a payment they'll ruin me. 

I truly feel like I've been frauded and taken advantage of. This is OVER and above what a company should be allowed to do. I have copies of every statement that I can provide upon notice.