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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Affirm  Inc do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Affirm Inc, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Affirm Inc are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services, and I demand that this agency delete this account from my credit report immediately, or I will result in taking legal action as per my rights.
Product: Credit card or prepaid card

A accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove both listed fraudulent inquires from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT credit reporting agencies have WITHIN 30 days to investigate unverified and inaccurate information. If its not done within that time frame credit bureau must delete all disputed items. On XXXX 2021 I XXXX XXXX submitted a dispute letter to EQUIFAX ( certified mail receipt ) disputing several inaccurate items on my profile. Return receipt shows EQUIFAX received my letter on XX/XX/2021. Today is XXXX, XXXX 2021 and I have heard nothing back from EQUIFAX which puts them in direct violation of the FAIR CREDIT REPORTING ACT being that they are passed the 30 day deadline. This complaint is being submitted to the CFPB to help ensure EQUIFAX follow the law and DELETE all inaccurate and unverified information from my credit profile. Thank you for your time and assistance in this matter.
Product: Debt collection

I have some old retail credit debt appx XXXX k that I have put in a debt relief program however the debt collector to whom it was sold, omnipoint, is threatening to sue me calling me from multiple numbers atleast 10 times a day asking very personal questions leaving threatening vm and trying collect money from my veterans compensation.
Product: Credit card

PayPal Smart Connect and Synchrony advertise that a payment can be 24/7 with a live agent. On XXXX XXXX and XXXX, 2016, I attempted to make a payment at the number provided on my billing statement, XXXX, which number answers as " PayPal SmartConnect '' and not Synchrony. The recorded message said they were closed at teh hour I was able to call. On XXXX XXXX I called to complain and was told I would not be charged a late fee and I made the payment due. On my next statement, I was in fact charged a late fee of {$35.00}. I was told that as an apology for charging me a late fee wrongfully, Synchrony would not only credit me {$35.00}, the same amount as teh fee, but also return all my interest for the month ( {$50.00} ). I waited for my online balance to update to make the payment due on XXXX, concerned because again a weekend and holiday would be involved. At XXXX XXXX XXXX the very kind rep had told me that I still had to pay the late fee on or before XXXX. When I explained in detail ( which she said she relayed to her supervisors ) that I was not satisfied because 1 ) Synchrony was demanding payment of a late fee that it openly acknowledges I do not owe, 2 ) Synchrony included the wrongful late fee in my balance and appears to be charging interest on it, 3 ) My credit high balance is being misreported to credit agencies because they have included the {$35.00} in my overlimit balance after their admission that I do not owe it, and 4 ) even if the {$35.00} is refunded to me my records of " Late Fees Year to Date '' and the number of times my account incurred a late fee are intentionally being reported erroneously as they include XXXX 2016 and -- the agent said Synchrony Bank WILL not correct those matters, only they will return the late fee once paid. I am asking for 1 ) correction of my records with PayPal Smart Connect and Synchrony, 2 ) correction of my high balance and late fee information on my statement and reported to any credit agency or any other person internally or externally, 3 ) damages for having to send hour on several phones calls trying to resolve this, interest on the {$35.00} I should not pay, and the cst of checking all credit bureaus to watch what they have reported and if they correct it 4 ) Clarification to ALL customers of the limited hours available to make a payment by phone with a representative and the effect of payments due on weekends and holidays..
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX DBA XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

I completed a rollover of {$8100.00} from an old employer XXXX to an IRA at SoFi, under the premise of a 1 % match that was widely advertised and I received specific emails about. I followed the instructions of the email on the rollovers and used the company Capitalize to facilitate the rollover ( as instructed by SoFi ). I both initiated and completed the rollover within the deadline advertised in the email and SoFi website. After 30 days, the 1 % bonus of % XXXX did not post. I contacted SoFi via chat on XX/XX/year>, about the bonus. I was told that a bonus is not due to me because my rollover was not {$20000.00} or more transferred. No where in my email is this amount indicated. And no where in the small details of the email is this listed. If this exists, it exists somewhere outside/online but I couldn't find it. If this language exists, the fact that an average person can not find this specific information/terms is deceptive and likely meant to defraud customers of rightful gains.
Product: Checking or savings account

I opened a checkings account with Citi on XX/XX/XXXX for their promotion of funding the account and keeping $ XXXX by XXXX day of account opening and keep the fund there for an additional 60 days, I should get {$500.00} bonus. So I did. I transferred from my XXXX XXXX XXXXXXXX altogether $ XXXX to Citi and opened a linked Savings account at the same time. I made sure on XX/XX/XXXX, my account has a balance of $ XXXX and I have not touched $ XXXX for over 3 months until XX/XX/XXXX. By the end of XX/XX/XXXX, my account balance in Citi checking is {$34000.00}. And they did not honor me with the bonus offer of {$500.00}, instead, they put {$200.00} in my account. I called customer service and one of the representatives located the promo code and set up a case for me and told me I should be getting a response within 5 business days. I waited and checked on the updates on XX/XX/XXXX, and they told me I should be expecting an answer by XX/XX/XXXX, which apparently I did not. I called again today and I had to request to escalate the issue to a supervisor, XXXX XXXX. XXXX told me that now Citi would have to extend the investigation to 15 days. I am really upset. I should never have trusted Citi. This is obviously a bate and switch. I could have invested my fund into treasury or a market money fund that invests in US treasury and earn a much better yield and did not have to deal with their constant excuses of keeping my fund in their custody and earning interest and not honoring their advertised promises. This is very frustrating and they can offer contradictory statements and not keeping their end of the bargain. Please kindly protect us, consumers from this kind of manipulative behaviors from our financial institutions. 

Thanks, XXXX XXXX
Product: Student loan

I submitted a co-signer release to Navient which was not approved. I have XXXX credit score, I work for a XXXX and have for the past two years, I am currently getting my XXXX, my co-signer has a XXXX credit score and has filed bankruptcy in the past and I feel is a liability to being on my loan. She was married with XXXX incomes when she co-signed, she is now divorced and can barely make ends meat herself.
Product: Vehicle loan or lease

The bank paid off the lease XX/XX/XXXX and we had to involved the attorney general then, the bank paid car off now XX/XX/XXXX we tried contacting gm financial for title and they keep blowing me off and each time I spoke to someone they say ten days and the bank never received the title I gave them every thing they ask for and it's still a delay
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX - {$400.00} XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX XXXX  XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX Bankruptcy - XXXX Also Known As : XXXX, XXXX, XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

Paypal charged me a {$41.00} for a late fee when I missed the payment by one day. I understand my responsibility to pay in timely manner, however {$41.00} is extremely excessive. This should certainly be regulated by the Consumer Financial Protection Bureau. Normal working people can not afford to utilize the services of a company that is going to charge that much for a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/XXXX bank of america got a copy of my XXXX  report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine
Product: Debt collection

I made arrangements to have any debts paid with Money Recovery Nationwide. They are continuing to put collections on my credit report without verifying my debt. Or sending a letter that my debt will be sent to collections. 
They will not do a pay to delete They will not notify that your debt is up for collections until it is posted on your credit report.
Product: Debt collection

This debt was paid in full on XX/XX/2023. The debtor has now sold my information without consent to another party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses 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 XXXXXXXX are not addresses I have lived
Product: Credit card

I have the below issues, and please address each : 1. Please leave a complaint for the male manager I spoke with today on XX/XX/XXXX who wasn't looking into my case but was providing answers, then looked into the wrong case, then hung up the phone. I hate filing these complaints and don't want to do so any longer. I do everything I can to work with you before filing these complaints and shouldn't have issues like this. A majority of your offshore members are horrible and we shouldn't be taking 20 min to verify our personal information, be transferred to managers, etc. only for agents to hang up without any option to call cardholders back. 

2. I called in on XX/XX/XXXX under confirmation XXXX for your team to submit a tradeline reinsertion request to XXXX for my authorized user, XXXX XXXX, for my card ending in XXXX. The card is not being reported. I am well aware that it could take 30-60 days for credit bureaus to reflect changes, but I simply called in to confirm that your team submitted this tradeline reinsertion request specifically, and to please give the date that it was submitted so I can track with the credit bureaus. Again, as I made clear on XX/XX/XXXX, I am NOT looking for your to push through an off-cycle report or any of your usual reports, but to submit a manual tradeline reinsertion request as this account has been problematic for more than several months and to confirm the same. When I filed this on XX/XX/XXXX, I was told that I would receive a letter in the mail or email by yesterday, and I did not, which is why I called in today. 

XXXX. I removed the same authorized user, XXXX XXXX, from my card ending in XXXX and asked that an off-cycle report be pushed so that it can show as terminated on her credit report. I was told this would also be done on XX/XX/XXXX but have not heard anything regarding the same. Please confirm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Department po box XXXX XXXX, XXXX  XXXX Subject : Credit Report Dispute - Account Number : XXXX Dear XXXX Dispute Department, I am writing to dispute inaccurate information contained in my XXXX credit report regarding the account listed under [ Creditor Name ] with the account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information on my credit report. 

Upon reviewing the payment history and status of this account, I have identified several inaccuracies : XXXX. Multiple Charge-Off Entries : The payment history section reflects charge-off notations for multiple consecutive months, including XX/XX/XXXX to XX/XX/XXXX, as well as prior months in XXXX and XXXX. This is inaccurate because a charge-off is a one-time event and should not be reported repeatedly across several months. This misrepresentation negatively impacts my credit profile. 
XXXX. Duration of Reporting : The account shows charge-off entries spanning a prolonged period without clear explanation or substantiation, contrary to FCRA guidelines requiring accurate and complete reporting. 
XXXX. Conflicting Information : The status of this account is unclear. While it reflects repeated charge-off statuses, no specific updates or adjustments are shown to account for ongoing payment activity. 

Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. I am requesting the following actions : Conduct a full investigation into this account to verify the accuracy of the charge-off reporting. 
Remove or correct any inaccurate information regarding the charge-off status. 
Provide me with a written explanation of your findings and actions taken. 

For your reference, I have attached a copy of my credit report highlighting the disputed inaccuracies. 

Please note that the FCRA requires credit reporting agencies to investigate disputes within 30 days and provide the results. If the information can not be verified, it must be removed or corrected under XXXX XXXX. XXXX ( a ) ( XXXX ). 

Thank you for your prompt attention to this matter. I look forward to receiving a response regarding this dispute. If you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX This letter includes specific inaccuracies and references relevant sections of the FCRA to support your dispute. Let me know if you need further refinements!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I ask the help of CFPB with the above creditor. XXXX and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request RESURGENT LVNV to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. 
XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX