23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2022, I placed an order through Affirm, for XXXX XXXX  in the amount of {$3900.00}. 

In XXXX of 2022, I received notice from XXXX that my order was cancelled, due to a dispute with the warehouse and that they would NOT be refunding my money and that I should file a dispute with my bank, which I did, as instructed. 

I never received the furniture. XXXX XXXX  has ceased communication with me and have XXXX my account on their website. I filed a complaint with the XXXX  without resolution, as XXXX never responded. 

I will not pay for items I never received, Affirm should contact XXXX for their money, as they did not fulfill their contractual agreement to deliver goods on receipt of funds and refuse to acknowledge their debt to Affirm or me.
Product: Consumer Loan

I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

It has been a battle with this bank since day one with their illegal fee charging! Even when we have money in the account to cover fees, they charge us overdraft fees!! They are stealing from their customers and it must stop!! I do not have the time or patience to go through the account for each THEFT so i am going to focus on this last one because I am done and will be switching banks!! 
We were charged an overdraft fee, they say, for a charge on XX/XX/23. THERE WAS MONEY IN THE ACCOUNT!!! Please see XXXX  report. After the last time I had to fight them to get the money back THEY STOLE FROM US and they refused to, I have been VERY CLOSELY monitoring the account and even closed the savings account as a first step to get rid of them. THEY HAVE NO RIGHT TO DO THIS TO THEIR CUSTOMERS!!! This bank should be shut down for all the illegal actions they take on innocent consumers!!!
Product: Debt collection

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Agency threatened that I could face jail time or my credit would be revoked and destroyed. Balance showing {$5200.00} with original credit debt {$3700.00} in credit report XXXX, XXXX, and XXXX. 
1. No Validation. By FDCPA, US 15 U.S.C 162g 2. No signature that I put on the contract guaranteeing that I would pay this creditor.

3. No copy of the original agreement or contract showing my responsibility for this debt.

4. Nor is there any insurance claim found on this debt.

5. Plus proof that they are authorized and have the chain of title to collect this debt, including documentation of any transfer of ownership or assignment.

6. Information could be breached and shared without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was compromised during the large security breach with equifax from XXXX to XXXX  2017, likely including personal info like SSN, etc.
Product: Credit card or prepaid card

I signed up for an Aeroplan Chase Credit card in XX/XX/2023. 

The card came with a sign-up bonus of XXXX points after I met the spend criteria of {$4000.00} on purchases in the first three months from account opening. 

I was able to meet the criteria by XX/XX/2023 and was eligible for the sign-up bonus. 

Chase issued the bonus and transferred the points to my Aeroplan account with XXXX XXXX. However unbeknownst to me, Aeroplan had a block on my account which prevented the points from being reflected on my account. 

After much back and forth with the compliance department at Aeroplan, the block was lifted in XX/XX/2023 and there were points that were successfully transferred from Chase to Aeroplan in XXXX. 

However all the preexisting points ( including the XXXX bonus points ) have never been credited to me. I have contacted Chase and Aeroplan several times on this matter and the issue remains unresolved. Aeroplan representatives have told me that Chase needs to " regenerate '' those point transfer requests from prior to XX/XX/2023 but Chase has not been able or willing to do that. 

I have sent them multiple messages ( please see attached documents ) on this matter. 

In addition, I have spent cumulatively over 5 hours on the phone trying to rectify this situation and have not gotten anywhere. 

I would like to request the CFPB to advocate on my behalf. 

Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their reporting fraud bank inquires
Product: Debt collection

Wells Fargo Bank uses an automated phone system to dial every number on an account. They will non-stop if the system shows a debt owed. This is not a normal phone call. The phone calls come at all hours of the day, and if you pick up it hangs up immediately. It never leaves a voicemail. These phone calls, while illegal, are also only a result of chronic problem with Wells Fargo. They never updated my street address, routed payments to the wrong account, and refused to acknowledge the issue resulting in a faulty past due balance on a loan. There is gross negligence going on in the operations department of student loan servicing at Wells Fargo. By the sound of it even the customer service rep had no idea that the phone calls were of such an abusive nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On or around the date of  XXXX   XXXX ,  2017 , I received a notice from my credit report monitoring company th at Deville Asset Management had  placed an account on my file with a balance of  XXXX . I have not received any documentation or debt validation from  Deville Asset Management nor have I received any phone calls stating that this debt belonged to me. I have also submitted a letter to  XXXX  to have this item removed.    I have been researching this company and I have found out that they are NOT BONDED with the State of Texas therefore they are unable   to collect on this debt. This item must be removed from my credit reports.
I also have documentation from the Secretary of State website showing this company is not bonded in the state of Texas
Product: Money transfer, virtual currency, or money service

I have seen a transaction that i did not recognize on my account. I then reached out to Block INC and nobody reached back out to me. I called customer service and still could not get in touch with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS NOT A DEBT VALIDATION OR DEBT VERIFICATION REQUEST. 


XXXX XXXX A Charge off is cancelled debt filed on the furnisher tax return and classified as ordinary income and income can not be reported on a consumer credit report as debt.If its income it cant also be debt.. Its inaccurate and violates the following codes.

15 USC 1681b Permissible purpose ( no written consent was given ) Without consent, this violates 15 USC 1681c-1 and according to 15 USC 1681c-2 this should be deleted 15 usc 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reason- able procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1681s-2a1a reporting information with actual knowledge of errors ( reporting income as debt ) 15 Usc 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are not included in consumer report ( reporting 1099c/income is prohibited Or any transaction Its also causing defamation of character to my public appearance If this isnt deleted pursuant to 15 USC 1681n and 15 USC 1681o I will seek litigation and damages of XXXX  for willful non compliance. 

They have willfully violated my rights by ignoring the law and per their own investigation they only verified and validated the debt which isnt what I am disputing. I will also be filing complaints with the XXXX and ATTORNEY GENERAL to be able to provide proof indisputable evidence of willful violation of my consumer rights in court.
Product: Credit card

Received email from a company named XXXX that a credit card was opened under my name with Wells Fargo and to verify my email. Wells Fargo says they have no information about this. I emailed the company bilt back and they said they see an account with my name and information opened and to reach out to Wells Fargo. Like I said previously though Wells Fargo says they see nothing opened under my information.
Product: Consumer Loan

I took an auto loan from Fifth Third Bank in XXXX of 2014 via a Car dealership. I was actually approve dby a different institution but the car dealership suggested I will save more money if I were to go with Fifth Third Bank. My monthly payment is {$440.00}, but I have been paying {$500.00} for the past 7 months, despite this, when I compared my loan info and payments compared to online loan calculators, I learned that I have been paying a lot more in interest charges due to the manner in which Fifth Third Bank is compounding interest, this was never explained to me either by the dealership nor by the Bank. I believe this is very misleading, pernicious and predatory practice. Can the CFPB please investigate this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine on my consumer report. This debt is not mine and this is illegal and fraud and a result of identity theft which I have been a victim of twice already. I do not owe alleged amount from these fraudulent accounts placed on my consumer report and a company cant just say you owe money and place an item on tri-bureau reports fraudulently and falsely. I have been denied employment twice because of these inaccurate accounts on my consumer report and causing my family and I a high level of emotional distress because we cant move forward. I demand for these accounts to be removed asap.
Product: Debt collection

Frost-Arnett is contacting me about assumed debt that I already paid to XXXX. I've asked for the dates and the reason behind the debt, they didn't provide this. I've cross-referenced any missed payments with XXXX XXXX, and no dates or missed payments match.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting

I pulled my Experian credit report and I have multiple fraudulent credit inquires on my report that need to be removed. My report number is XXXX. The following inquires do not belong to me and i have never applied to any of these I was a victim of ID Theft. 

The following inquiries are not mine : XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX Card XXXX/XXXX/15, Staples/CBNA XXXX/XXXX/15 THD/CBNA XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15
Product: Debt collection

Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports
Product: Student loan

The loan balance was electronically transferred/paid off on XX/XX/year> from a personal checking account to Edfinancial via our bank. Edfinancial is claiming they never received the {$9000.00} payment. Proof has been submitted multiple times from myself to Edfinancial and they are still claiming non-payment. They have reported to the credit bureau thus severely impacting my credit score. There are 2 different account # 's on letters from Edfinancial as they had updated their system in early XXXX XXXXhanging the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Money transfer, virtual currency, or money service

I received a call from an automated machine claiming to be from Wells Fargo. I hung up immediately, thinking it was a fraud call. 

The caller called back and this time a person was on the line. They asked me about XXXX different transactions that had been made on my account. I told them that I had not authorized those transactions. 

The caller said that they would need to freeze my account and send me a new card. They also asked me to reset my PIN. They said that the fraudulent transactions had been made at an ATM on XXXX XXXX. They even gave me my home address, which they said was where my new card would be delivered. 

The caller then sent me some codes, which they said were needed to access my account to open a new account since mine had been compromised. I gave them the codes, believing that they were from Wells Fargo. 

The caller then withdrew {$700.00} and {$300.00} from an ATM in XXXX XXXX. They had also transferred {$1500.00} from my savings account to my checking account before making the withdrawals. ( XXXX of my XXXX savings accounts is displayed on the ATM screen. ) Wells Fargo filed XXXX claims : XXXX for the ATM withdrawals and XXXX for the unauthorized transfer. However, Wells Fargo denied my claim, saying that they would not refund me because I had provided my PIN to the caller. They said that they only cover unauthorized transactions that the customer did not know about. 

I argued that the transfer was unauthorized and therefore a separate claim. I am still waiting to hear back from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference XXXX I can not access my credit report for equifax at all! I have no score. I recently discovered as mention in case above that equifax wasnt reporting my tradelines. Im therefore requesting an update to my credit so that I can review my scores
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX BA ) 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: Checking or savings account

im being reported for account abuse for a account in the amount of {$150.00} for a account i have no clue of at XXXX  XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2020 On XX/XX/XXXX I received a phone call from Hyundia Motor Finance about billing, during the conversation I asked what is needed today to bring the account current, I also advised the customer service representative that I was very concerned about any late payment applied to my credit report. I was told if you make a payment today in the amount {$460.00} plus a processing of {$7.00} NOTHING will be reported to your credit report, she continued to say all calls are recorded as verification therefore, I agreed. A payment was made at the time of the call. ( Hyundai Motor Corp sent me a letter for payment confirmation ) Five days later I get a notice from all Reporting Agencies / Late payment ( s ) reported by Hyundai Motor Corp.

I followed up with Hyundai Motor Corp. with a letter addressing this issue, no response back, now they sent it to collections.
Product: Credit reporting or other personal consumer reports

Vehicle was purchased then totaled due to a tornado 2 months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. I followed up many times with the dealership. The last time I followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/year>. Because the dealership did not mail the GAP refund check in a timely manner ( it took 3 months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been severely damaged because of this.
Product: Debt collection

They have been calling XXXX XXXX times a day, starting about two weeks ago. Each time I answered, I received no response. Also when I ignored the calls, they left no voicemail. Finally after them calling me four times already today, I answer in an aggravated time. I asked in a very irritated tone, " Who is this, and why do you keep calling me? '' They asked my name, so I repeated my question. They replied, " XXXX. '' I then asked, " With who? '' They replied with, " XXXX with ICSystem. '' I then proceeded to tell them that I did n't know who they were and to put me on the do not call list. Before I was able to say anything else, they cut me off and told me they do not have a do not call list and they 're debt collectors. They then told me that they would n't tell me what for unless I verified I was who they were looking for. I then hung up. I 'm looking for ways to stop them from calling, but my first step was to file a complaint.