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

My identity information ( residence from years ago ) was used to purchase a camera a few years ago and the entity that stole my identity info financed the camera through AFFIRM. The entity that stole my identity did not make loan payments to AFFIRM, so AFFIRM sent the account to collections and it showed up as a negative on my credit report. I spoke to AFFIRM earlier this year and after multiple conversations and my execution of an affidavit AFFIRM acknowledged that they had made a mistake ... .they indicated that my credit should not be negatively impacted ... ..despite what AFFIRM told me my Experian report still has the AFFIRM collection on it and my credit score is thus being negatively impacted. I am trying to get AFFIRM to reach out directly to Experian to let hem know that they ( AFFIRM ) made a mistake ... ... AFFIRM is giving me the run around and after three weeks of dealing with AFFIRM again ... .the AFFIRM item is still showing up on my credit report and negatively effecting my XXXX  credit score. Trying to refi my house right now and take advantage of good interest rates. Need for AFFIRM to coordinate with XXXX  ... this has been a NIGHTMARE!!!!!!!!!!!!!
Product: Debt collection

This company Midland Credit management which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I purchased some items at home depot and was approved for a Klama Inc credit account. 
I had a balance due in the amount of XXXX dollars and when I attempted on line to make payment prior to the XX/XX/XXXX due date and I was not able to. The Klama Error message was I could not submit payment at this time. I tried many times and Failed. I tried calling Klarna customer service to resolve the issue and just got recorded massages that said to go on the web and pay. 
However I received a late pay email from Klarna on XX/XX/XXXX with a XXXX late fee then the payment was accepted. I paid a total of XXXX the XXXX Plus the XXXX late fee. I do not have time to play these games with a company that rips people off with fees. The company has committed a grave malfeasants in this matter. XXXX knows how many other people they did this to.
Product: Credit card or prepaid card

Hi On Sunday XXXX the XXXX. 2021 between the hours of XXXX - XXXX ( XXXX  ) i called ( XXXX ) way2go program which is under XXXX XXXX  and selected 7 to get the result of my dispute but they do not provide any service and keep saying that he/she will transfer me to the dispute dept..even though i already selected the dispute dept ( button 7 ) and make me wait forever with no answer. After that day i have been getting the same treatment for 5 days regardless on my every day/ night calls Apparently they are just lying just get rid of the call. 
My dispute file number : XXXX The amount is XXXX $ Best regards XXXX XXXX. 


Sent from my XXXX  By XXXX XXXX XXXX XXXX Device XXXX  for XXXX
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove this account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the accounts from my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector also Please send me any signed documents with my signature attached as I have never opened up an account with your company! as I have never signed any application to open up any accounts with your company
Product: Credit reporting or other personal consumer reports

XXXX XXXX Quick silver I have sent my DL and copy of my ssn in branch, faxed, uploaded everything since XXXX when I took out a auto loan with capital XXXX and that started this mess. I am XXXX XXXX XXXX born in XXXX in XXXX of XXXX I did not receive a ssn until XXXX. This XXXX XXXX account was open XX/XX/XXXX partial acct # XXXX ... credit limit {$6300.00} with a balance of {$5700.00} I would have been XXXX XXXX XXXX and 10 years before even qualifying to have a ssn. I dispute and all capital one does is verify the amount and expect me to pay an account that's not mine. They have also shut down and restricted XXXX of my XXXX credit cards because of this and blocked me from allowing me to make payments on my card though the years causing late payments when they somewhat get it together and allow me some access to make payments. My credit and when I banked with XXXX XXXXXXXX, my bank info with them also got mixed together with this other customers ' I have been given access to her ( XXXX ) account though out the years yet no one can understand its not me this other customers account is even in a different language.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies provided my information without my consent. 
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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Mortgage

I had difficulty making my mortgage payments because of unemployment and my mortgage went in to Foreclosure. Fortunately I was able to recover it but now my mortgage company has tacked on " XXXX XXXX '' fees that were not included on the Reinstatement Quote. I have contacted them five times and have not received a satisfactory explanation of the fees.
Product: Credit card or prepaid card

We have tried to contact Wells Fargo multiple times about the court case associated with my Fraud Claim. Nobody has called the court, and we just want someone to talk to.
Product: Debt collection

Navient took my taxes for XXXX  to repay a Debt however in XXXX they did not touch my Taxes they did in XXXX. I was never notified of this occurring. Only when I didnt receive my taxes that i had to do my own research to find out where the money went. Also Im XXXXyears and a member of XXXX do i qualify for my taxes not to be touch. I also check on Navient web page, I logged in at it stated a XXXX balance. I feel that the student loan should not take all of money. I have a family to take care of. Also what is the statue of limitations on a loan.
Product: Credit reporting or other personal consumer reports

Every time I log into my Equifax credit report since XX/XX/2024 I am unable to see my credit score or report and see the below error. Customer service agents are rude and are not able to help me. I do have active disputes identity theft items but I was able to see my credit report and score just fine until XX/XX/2024 I am a paying premier member. I need someone to do fix this immediately. See below error message and attachment. 

Error message : Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at 1-888-EQUIFAX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Phone number XXXX is harassing me every morning! Leaves no call back info. Does not identify themselves. This # calls every morning between XXXX -XXXX wakes me up!! rings XXXX times then hangs up. does not leave a message. I checked the web. Says from XXXX XXXX. Then another site says a cell # from XXXX. I called the # back, they do not give any information To identify themselves. the recording says to hold for aprox XXXX minute they are attempting to collect a debt all conversations will be recorded. i will not call this # again its an uncomfortable feeling to be put on hold with a unidentified harassing caller. If i owe money to anyone i need a written statement with proof of debt by mail. No one should be crazy enough to pay anything by phone. So the harassing wakeup calls early in the morning are indeed harassment. I logged all the calls so XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX @ XXXX ... Help please.
Product: Debt collection

I HAVE NEVER OPENED AN ACCOUNT WITH XXXX XXXX. LET ALONE OWE THEM " {$190.00}. " ( TRIDENT ) IS MAKING MY LIFE UNBELIEVABLE ... I CAN HONESTLY SAY WITH CERTAINTY AND TRUTHFULNESS THIS XXXX WHOMEVER THEY ARE ... THIS IT'S NOT MY ACCOUNT PLEASE CORRECT YOUR  ERROR AND LEAVE ME ALONE ... ENOUGH!
Product: Credit card or prepaid card

In XX/XX/2022 I started selling my stocks from Robinhood in bulk and they did not like it. While processing a return for a camera that was close to {$4000.00} to XXXX XXXX, they only refunded me {$1300.00}. I asked if they could provide proof of all transactions from my account and they refused to do that. I found a dispute against XXXXXXXX XXXX located in New York who Ive worked with since I was a little kid in my parents store with XXXX other siblings. Robin Hood sent me a letter almost 120 days later telling me they would not solve or provide what verification and or alternative actions to assure the safety Of my consumer protection. This led to another claim against you printing Not far from Robinhood. After the dispute was submitted I was told by phone I would receive a provisional credit as it is their policy which was not true in my case. I sold my stocks in good faith without paying attention to what other people had to say and learned its important to balance both with an open mind. This all happened after having to bury two family members because Im the breadwinner in the family. Robin Hood eventually close my account and limited my access to use the app. This XXXX me from messaging on the app, sending emails to the correct department even though I was quoted it will be forwarded to the correct department, not to mention they did not verify my account security and identity until I Threatened to file a federal case which could have resulted in justice at the time they last settled. Lastly, My stock values provided security Which required two years of 80 to 100 hour weeks of commitment. I will not give up nor settle for action not being taken. They owe me nearly {$25000.00} of funds that were paid to them either in error which I hope they can confess, or in the stock prices they made me pay more for as well as the claims That were filed against two of the hundreds of merchants who learned their lesson already or not. I really appreciate you guys. I came from nothing, grew up in over XXXX XXXX XXXX and always had a dream to follow. I am an XXXX XXXX XXXX XXXX XXXX XXXX  And the list surprisingly and gratefully grows in accordance to the Law of civics. I will conclude by extending not only my trust but also my optimism for a greater outcome within Robin Hoods institution And truly wish them much success and abundance. Kindly, XXXX
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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

During the week of XX/XX/2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX report for XXXX I have a score of XXXX from XXXX and XXXX from Equifax. I have XXXX collections that are over XXXX XXXX XXXX. I thought these types of collections would have less effect on your score over time. And they have been chargedoff /closed. XXXX XXXX  used a lot of information that is outdated. 
Also, I was still working on my loan applicant but was denied anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Regional Acc made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching my police report for related identity theft/fraud. XXXX  instructed me to contact each company making fraudulent inquiry on my report individually.
Product: Checking or savings account

Between XXXX XXXX  2025, I was the victim of a fraudulent XXXX scam that resulted in the unauthorized transfer of {$9900.00} from my XXXX XXXXXXXX XXXX XXXX account. A fraudster, impersonating my banks fraud department, tricked me into providing a verification code, which they then used to initiate unauthorized transactions via XXXX. The stolen funds were sent to accounts at the following banks : XXXX ( XXXX XXXX four payments totaling {$3900.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX one payment of {$2000.00} ) XXXX XXXX XXXX XXXX XXXX two payments totaling {$2900.00}, which were later recovered ) BMO, XXXX. ( XXXX XXXX one payment of {$1000.00}, only {$0.00} was recovered ) Upon discovering the fraud, I immediately reported the incident to : XXXX XXXXXXXX XXXX which investigated and confirmed the fraud but refused to reimburse me. XXXX XXXX XXXX XXXX which refused to intervene and redirected me back to my bank. 
Law enforcement, including the XXXX XXXX XXXX XXXX and the FBIs Internet Crime Complaint Center ( IC3 ). 2. Banks Response XXXX XXXXXXXX and BMO, XXXX. returned {$2900.00}, but the remaining {$5900.00} is still missing. XXXX XXXX XXXX  stated that the receiving banks confirmed the fraud but refused to return funds, claiming that no money remained in the fraudsters accounts. Despite my long-standing banking relationship with XXXX XXXX , they refused to reimburse me and cited that XXXX transactions are final and irreversible. 3. Issue & Banking Failures Banks require Social Security Numbers and identification to open accounts, yet the receiving banks have refused to take further action despite knowing the identities of the fraudsters. Unlike credit card transactions, XXXX offers no fraud protection, chargeback rights, or reimbursement, leaving victims financially responsible for unauthorized transfers. XXXX XXXX XXXX  and the receiving banks failed to act aggressively to recover funds or pursue the criminals.
Product: Checking or savings account

On XX/XX/year>, I opened a new bank account online at Fifth Third Bank and was able to access it. I was admitted to XXXX XXXX XXXX on XX/XX/year> due to a medical emergency and attempted to open my account, but was informed that it was locked. I made an effort to contact the fraud detection department by explaining my situation, including my XXXX  and desire to access my account. They advised me to contact a nearby branch. I instructed my son to visit a nearby branch to express my desire to reach them via phone, video call, or any other method to request that they unlock my account. My son was instructed by the banker on XX/XX/year> to submit all my ID proofs on my behalf, and they acknowledged my uncertain situation and will aid me in unlocking my account. Both my son and I kept calling the branch and fraud department for assistance, but they kept responding. They will help us soon. The banker informed my son on XX/XX/year> that your father must be present at the branch to access this bank account. 

I asked them via phone if they could verify my identity using any other method, as I am currently in the ICU at the hospital and unable to physically go to a bank. The banker responded to me that we need your physical presence at the bank to grant you access to your account. Otherwise, we will close your account within 30 days and send you a check of whatever amount you have with the bank. Accessing my funds and bank account at Fifth Third Bank was restricted due to this.
Product: Checking or savings account

I opened this claim XXXX, the claim was denied without requesting any information, just denied. I have the invoice and order receipt showing that the merchant must sent the purcharse to my address and a specific delivery date that wasnt followed. I never get the order. 
Attached goes the order receipt.
Product: Money transfer, virtual currency, or money service

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet utilizing their services.
Product: Credit reporting or other personal consumer reports

i have disputed innaccurate and incomplete accounts on my credit report on multiple occasions. the reporting agency has responded with verification of accounts, however they will not provide me woth their investigation process and results. also stated that the accounts have been corrected, however they are still being reported innaccurate and imcomplete.
Product: Credit reporting or other personal consumer reports

True Accord reported to my XXXX credit report on XX/XX/year> that I owed {$630.00} on an account with XXXX XXXX. I have never had a contract with True Accord and I do not have a contract with XXXX XXXX. There is no signed contract with either company. I am not liable for this debt. I do not have a contract with either company and they did not provide me with a contract that was requested.
Product: Checking or savings account

I opened a new checking and savings account with Chase Bank. After opening the accounts I transferred/deposited a total of XXXX to the checking account and deposited two checks, one for {$400.00} and one for {$500.00} into the savings account. The checks are payment for my employment. They ( Chase Bank ) stated that depositing checks into the new checking account was suspicious activity and they proceeded to restrict both the savings and checking account, stating they are unable to identify the legitimacy of the the checks. On a different phone call, I was told that the checks bounced and that was the cause for the suspicious activity but on another phone call later on, I was told that was untrue. I have no idea what is actually true at this point, I have no way to access the money in either accounts and they are now saying that they are going to close my accounts and mail me a check. From what I've seen online, this is a common occurrence and people rarely, if ever, receive the checks after the accounts are closed. The total amount that is currently restricted by Chase Bank is {$5900.00}