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

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH CASH APP AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I was notified on XX/XX/2021 by a credit monitoring service that a collection was placed on my credit report. The debt collector is Sequium Asset Management. I called them and was in structed to pay an outstanding balance to XXXX XXXX in the amount of {$1900.00}. The debt was from a residence in XXXX XXXX XXXX Florida. I have never been to or resided in Florida and have never purchased XXXX XXXX in my lifetime. I was never notified by Sequium Asset Management or XXXX about any debt in my name. The only way I found out was because they placed a collection on my credit reports. I have filed an identity theft with the FTC, Report number XXXX on XXXX XX/XX/2021. I recommend that Sequium Asset Management be closed and employees imprisoned for committing fraud by not contacting me or verifying that the account was indeed my debt prior to reporting my account to the credit bureaus.
Product: Mortgage

On Friday, XXXX XXXX, XXXX, I was informed that my home loan was no longer an FHA loan. I want the loan servicer to tell me and provide supporting documents as to why my loan type was changed without informing me and what type of loan do I have currently? How are so many major changes occurring without my knowledge or authorization? In addition to the fact that my mortgage was among the note reassigned through XXXX How can robo signed be justifiable with such a large purchase. A mortgage is too technical and large of a purchase to pull a robo signing stunt in order to rush through the process. I disagree with robo signing mortgage documents. I am requesting docuents regarding title deed, what type of loan I current have, XXXX documents, and all documents that have been generated regarding my property from XXXX XXXX to the current date.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX, Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the name and business address of each individual whom you verified the above, so that i may follow up. Please send an updated copy of my credit report after your re- investigation.
Product: Debt collection

I had a XXXX XXXX credit card {$300.00} dollars i paid on it then i had a few money issues then i received calls after calls finally someone offered me a settlement. Then it got handed to XXXX XXXX i took it they never gave me paperwork that this is resolved plus they had 2 different account numbers on my credit report one said satisfied XXXX and another XXXX not settled debt owed so they need to fix it i called but talk to different people over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Apple Card/GS Bank USA , I am writing to request the removal of a late payment from my account. My account number is XXXX and my name is XXXX XXXX. I want to start by saying that the Apple Card is my favorite credit card of them all, and I am looking forward to building a long-term relationship with your company. 

Unfortunately, I was laid off from my job which caused me to experience financial hardship. As a result, I was unable to make the payment on time. I am now in a better financial position and have a stable job that allows me to make payments on time. However, this late payment is affecting my credit score and preventing me from qualifying for a house for my family. The late payment is also preventing me from getting a home with a good interest rate. 

I am hoping to be the first person from my family to own a home, and this late payment is hindering me from achieving that goal. I understand that it was my responsibility to make the payment on time, but I hope that you can understand the circumstances that led to my inability to do so. 

I kindly request that you consider removing the late payment from my account. Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention to an issue with the reporting of late payments, collections, and repossessions on my credit report by TransUnion. According to my credit report from TransUnion, there are 23 late payments that are showing as over 60 days late, 2 collections,14 Hard Inquiries, 1 repossession. These entries are inaccurate and in violation of consumer protection laws.

Late Payments : XXXX  ( ALL ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For XX/XX/2019, I eliminated the direct payment and began to make the payments at the institution. They the Firstbank of Puerto Rico made the mistake of not recording the payments made using this method and this mistake is affecting my credit score. I have never failed to make a mortgage payment. The time it took them to fix the problem, they send to the credit companies as a delay of 30 days, when it did not happen this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm account last payment of {$280.00} balance payed XX/XX/23 continues to show delinquent on credit reports after notifying Affirm of issue in previous attempts to clear credit reporting. As a result I have been rejected for home purchase and financing as a result of false report.
Product: Credit reporting or other personal consumer reports

Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are 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 I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.
Product: Credit reporting or other personal consumer reports

I have frozen my credit file with Experian multiple times, including XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time, Experian mailed a PIN that it said is required to unfreeze the file. I received each mail, the mail was unopened and upon receipt, I locked the PIN in a safe that only I have the combination. Each time, Experian unfroze my credit file and allowed someone other than me to apply for credit. Experian has no explanation how or why it unfroze me credit file. I requested that Experian freeze my credt file and never unfreeze it. It didnt matter. Experian is handing out my credit file to any random person that calls. 

Experian should never be allowed to maintain anyone 's personal information
Product: Credit reporting or other personal consumer reports

I received a copy from the clerk of court. Stating they never released person information on the credit bureau. Involving my XXXX XXXX to be placed into public records from a XXXX  party the credit bureau uses.
Product: Debt collection

I made a payment of {$550.00} on XX/XX/XXXX to to Diversified Adjustment Service , Inc for my closed XXXX XXXX account. The XXXX XXXX debt collection account has been paid in full and as agreed, with a balance of {$0.00}, Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I used Affirm ( loan XXXX ) to finance 2 jackets from XXXX XXXX XXXX XXXX ( order number XXXX ). On XX/XX/XXXX XXXX notified me that one of the items shipped out to me. On XX/XX/XXXX, I was notified by XXXX that one of the items in the order was cancelled and I would be getting a refund. I waited a few weeks for the refund to credit to my Affirm loan but it never did. I opened a dispute for the amount that XXXX was supposed to refund me with Affirm on XX/XX/XXXX and without delay provided documentation to them that part of the order was cancelled by XXXX. When I submitted the dispute to Affirm, my loan was locked and I was prevented from making any further payments towards the balance. I did not know this would happen as a result of the dispute. 

On XX/XX/XXXX I received a notification from Affirm that my dispute was completed and I received a credit to my account for the amount of the jacket. I received a message from Affirm that despite the fact that I was correct, my order was cancelled by XXXX and they owed me a refund, I was told by Affirm that the way they " close out the complaint '' was to make a determination in favor of the merchant ( XXXX ). I started receiving spam calls, texts, and emails that my account with Affirm was delinquent and that my account was late as of XX/XX/XXXX. I called several times after XX/XX/XXXX and attempted to resolve the issue with staff and supervisors and every time I called I was promised that no matter what communications that I received from Affirm, I was still not delinquent in their system, it just looks that way because they aren't able to update their system. 

I was laid off from my job in XX/XX/XXXX. Affirm allows you to defer payments on loans for 1-2 months due to hardship without penalty. This loan that had the dispute was marked as delinquent and not eligible for the deferral. I don't have any wages coming in but I was able to make a small payment in the hopes that I would be able to resume normal payments once I started working again. My payment didn't matter. Affirm still reported me as delinquent as of XX/XX/XXXX. My FICO score dropped even more. I am trying to relocate for a new job and the inaccurate reporting by Affirm caused my credit score to drop so that I no longer qualified for housing I applied for. It was embarrassing and now I am stuck paying a higher rent for a lower quality apartment. 

I complained to Affirm on their website, stating that the issue with the return was never resolved and now they are incorrectly reporting me as delinquent and I want them to fix it. I received a message from a " supervisor '' that told me to call customer service to figure it out and he closed the complaint. I was dismissed over the phone and through their system. Affirm works great if you don't have any issues with your purchase but they refuse to take consumers seriously and address issues in a timely manner.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : Equifax, XXXX and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! EQUIFAX, XXXX, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?!

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week. 

Please help protect consumers with this illegal activity. Thank you!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - JOB Incorrect Name : - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

Student loans were consolidated and transferred from XXXX to MOHELA with a completion date of XX/XX/22. 
Public student loan forgiveness tracking is still not updated. 
Spoken on the phone and with multiple representatives through the MOHELA chat feature and receive different information each time. 
It has been over 90 days since the transfer was complete and today I was told by a representative that I need to wait up to another 90 days for my payment tracker to be updated for a potential total of over 180 days.
Product: Credit card or prepaid card

Capital One refuses to resolve my dispute against a charge against XXXX for {$59.00} on XX/XX/19, which I've worked very hard with them to answer all their questions to the best of my ability. Due to the nature of my dispute, I was unable to provide physical documentation -- as the reason for my dispute was based on a conversation over the phone with the merchant 's Customer Service, and Capital One re-billed me for the full amount on XX/XX/XXXX. Last time I spoke with them regarding this matter, I asked if they do not believe me, and they said it's not a matter of whether or not they believe me. They need to follow the guidelines of MasterCard ... All the agents must be trained to say this because I have heard about 10 different agents say this within the last 5 months. That is a bold-faced LIE. I have called MasterCard and told them they Capital One is saying this about them, and they stated that is false information -- That Capital One is their own company and they have their own policy -- And that MasterCard has NOTHING to do with their decision making process ... Capital One just doesn't want to resolve their customers ' disputes unless they're about unauthorized charges. They should not even have the option to dispute charges that were authorized if they're never even going to be in their own customers ' favor ... My experience with Capital One over the last 8 months has been nothing more than unpleasant, time-consuming, and absurd ... The Federal Reserve should put them out of business, because they need to be stopped and no one 's doing anything about it. Are roughly a thousand complaints a day not enough??
Product: Student loan

I sent a letter out to capital management services/university XXXX XXXX on XX/XX/XXXX. They responded on XX/XX/XXXX that they received my letter requesting verification of my supposed account. However, I didn't request verification but VALIDATION. I have yet to receive another letter, including validation of the debt. So I believe that it is safe to assume that they can not provide the requested information. I also sent them a letter out on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

CHASE CARD MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM CHASE CARD
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a vigilant and concerned consumer, I demand immediate and detailed information regarding the exact steps your agency has taken to ensure the absolute accuracy of the items in question, as mandated by 15 U.S.C. 1681i ( 7 ). Per paragraph 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), you are required to provide a thorough description of the procedure used to verify the accuracy of the information on my credit report, including the name, address, and contact number of any information furnisher involved. Compliance with this demand is expected within 15 days of my initial inquiry. I previously informed your company that I am a victim of a data breach and identity theft, and I provided an FTC Report to support my claim. I demanded that all fraudulent information be blocked and removed from my credit report immediately, yet the following items remain unresolved. This negligence is unacceptable, and I expect you to address this with the seriousness it warrants. Under 15 U.S.C. 1681c-2 ( a ), you are legally obligated to block and remove any information that I, as the consumer, identify as resulting from identity theft within 4 business days of receiving my complaint. The following item must be addressed without further delay : XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission XXXX XXXX XXXX - XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Debt collection

I have checked my credit and seen a very old debt from Aargon agency collections. And I see that the debt is more then 9 years old but they keep updating the debt as if the debt is new. I also never knew of this debt and I was never notified of it. But its an old debt that is more then 8 years old it  should taken off my credit.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 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 XXXXXX/XX/XXXX