23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

After finding out why my account was in suspicion and discovering that a dispute that was not supposed to have been filed was filed given that while was filing that dispute I had said never mind do not file as I already got the companies mixed up, and I couldn't find the email I needed. 

XXXX XXXX XXXXXXXX fraud department said OK was not going to finish then zip I find out that the XXXX XXXX XXXXXXXX fraud department had filed anyways. 

I return to XXXX XXXX XXXXXXXX. Said closed, did not receive any funds from zip. Was told they were sending the email to zip. 

But my account remained suspended. Zip staff REFUSED TO SPEAK WITH ME Call center? I repeatedly received a recording of a XXXX XXXX stating they closed their call centers. 

Informed them I would send payments by mail and requested their address. 

Zip refused. 

A month informing XXXX XXXX XXXXXXXX to block access. 

XX/XX/2XXXX XXXX XXXX XXXXXXXX chose to side with zip Did not block company Zip took money out XXXX XXXX XXXX fraud department refused assistance The third time XXXX XXXX XXXXXXXX XXXX fraud department had given me false information and testimony surrounding my checking account
Product: Debt collection

I received a letter dated XX/XX/XXXX from a debt collector named Online Information Services about a debt due to XXXX XXXX for the amount of {$280.00}. I attempted to contact the debt collectors on XX/XX/XXXX and on XX/XX/XXXX - both times the automatic system only looped or sent to a voicemail. I contacted XXXX XXXX on XX/XX/XXXX to get information on the account. They advised my name was on it but the address on the account was a XXXX address and the email on file had the name of an individual I didn't know. They transferred me to another customer service department that filled out a report to create a case and investigate. They advised us to make a report with the Federal Trade Commission and local police department due to identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

Let me start off by saying I've had over 30 purchases paid via Affirm with a excellent pyayment history. 
Beginning of XX/XX/XXXX, my company provided perks to purchase appliances. I started adding the item in my XXXX cart but at checkout the XXXX would disappear. However, XXXX does not allow the customer to edit after completing the process. Therefore, I had to cancel the order but Affirm never would process the cancellation in a timely manner. Affirm would hold the canceled purchase so it would accrue interest and have to make a payment or thery will report the customer to the credit bureau.Samsung manipulates the prices and Affirm removes my company discounts to get more money. 
Affirm is a partner of XXXX so they change the cost of the items to fatten their bottom line for themselves.On XX/XX/2024, I called to have Afirm refresh my account because it started asking for down payment in which they had not done before. My company 's employee perks at work program gave me more of a discount than what Affirm and XXXX wanted to. They agree with my company to give their employees discount during this period. Finally, I got a great price but XXXX remove items from the cart when I purchased the items. Again, I had to cancel and start over and again I had to call Affirm to cancel the purchase. I spoke to a representative that did not explain the resolution to me the way the last 3 representative explained. So I asked for a supervisor ( XXXX ) which was very unprofessional and very condescending. As our conversation went on, the call escalated so I asked to speak to another supervisor. XXXX refused and would no longer assist me. On XX/XX/2024, XXXX manipulated my account so I could not process another purchase. Although my credit report is frozen and had been refresh a week before, XXXX refresh it again which made even more difficult to complete the purchase. Now, when I attempted to process ther same purchase, it said your credit report is frozen and asked for a very large amunt down. This is done to discourage me and not try to use Affirm again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally file a complaint regarding Equifaxs failure to conduct a proper investigation into inaccuracies on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681.

Despite my dispute regarding inaccurate and unauthorized information, Equifax has failed to meet its legal obligations to conduct a thorough and reasonable investigation. This failure violates my rights as a consumer under the FCRA and has resulted in undue harm to my creditworthiness.

The following accounts remain on my credit report despite my previous disputes and are either inaccurate, unauthorized, or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Amount : {$670.00} Under 15 U.S.C. 1681i, I am entitled to a prompt and thorough reinvestigation of all disputed information. Since Equifax has failed to conduct a proper investigation, I am demanding the immediate removal of all negative, unauthorized, and unverifiable collections and charge-offs from my credit report.

Additionally, as per the FCRA, violations of my rights entitle me to statutory damages of up to {$1000.00} per violation. I request that Equifax issue payment to me for these violations in the form of a check.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps putting phone numbers as they list are not mine nor have I had these phone numbers as a lot of other personal information wrong. 

XXXX XXXX XXXX none of these are my phone numbers I have provided the right numbers and even sent you a copy of my phone number but Experian just keep coming up with information that 's not mines. 

XXXX that is my number that 's in my name. 

I 'm also filing a FTC complaint on Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these addresses according to the Per FCRA 605B ( 15 U.S.C. 1681c-2. It is not authorized to fail to validate these reporting addresses as unverified information without providing any proof within the period allowed by law. The following addresses need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

my previous complaint was addressing the extreme hold times and how I was not able to activate my replacement debit card or access my account. 
" XXXX '' I believe was her name called me approximately 20 minutes after that was submitted and told me she apologized about the experience that was going on with the call center and she is aware of the issues and a " XXXX XXXX '' will be reaching out and calling me to be to get everything resolved and at the very latest that Friday and if I don't hear from him to contact him directly and provided me a number. not only did XXXX not reach out to me via phone he responded to the CFPB complaint and just said we are closing your accounts and I need to visit a branch to get my remaining funds. veery unprofessional and with no real reason why. ( not that they have to have one ) but makes no sense sounds like retaliation to me just because the hold times are unbelievable, who wants or even can wait hours on end to fix a simple issue? anyways I will need the funds from all accounts sent to me in check via mail ASAP along with the last 5 years of statements to be mailed for ALL accounts since my access to get them myself has been restricted.
Product: Checking or savings account

On XX/XX/XXXX I listed some items for sale on the XXXX website. In a couple of hours I received an email stating that one of my items had sold. If i would like to get paid and complete the transaction I needed to provide banking credentials so I can get paid. i did so thinking this was the process. I stupidly clicked on the link and entered my information. I know my banking information backwards and forward... I received an error message. That is when I realized what may have just happened. I went into my bank account ( BANK OF HOPE ) and saw that a bill payee was added ( XXXX XXXX account XXXX ) in the amount of XXXX I quickly called BANK OF HOPE and informed them that I did NOT authorize this payment of XXXX!!! The action was pending but I could not cancel the transaction. The bank told me I had to go through their fraud department. UGH!!! What fraud department?? I have yet to speak to someone or receive any communication!! The transaction was pending, why wasn't I capable of cancelling?? Why wasn't an alert sent out?? Big XXXXXXXX XXXX if you so much as move a comma you get an alert... Did you do this? Authentication through text message. NOTHING I received NOTHING from Bank of Hope. I have called many times to get an update. They redirect me to the branch tellers!! I don't want to speak to the tellers. they know as much as I do, which isn't much. I have emailed customer service many times. They have yet to email me back. They use fiserve.com as their bill pay. I have contacted them and nothing. I have a case Id XXXX and a case personXXXX XXXX XXXX but what is the point of having this information?? The fraud department can not be accessed by the customer!! Big US banks have dedicated Fraud departments where you can speak to someone. Bank of Hope has nothing of that sort. No one has reached out. I feel like this XXXX bank turned a blind eye to my case. If that is the case how many blind turn aways have they done?? They are a XXXX bank doing business in populated XXXX communities. Do they prey on the fact that mostly all of their customers don't speak English? This is so NOT FAIR! they should not be allowed to bank in the US. they don't have the same protocols as US banks. This should not be the level of customer service. I am truly disgusted with this bank. It has been almost a month now and I have yet to hear from anyone at the bank. I am hoping to get some resolution.
Product: Mortgage

On XX/XX/XXXX, I received a XXXX Cancellation of Debt notice from Wells Fargo Bank on the XXXX portion of an XXXX interest-only mortgage that started in XXXX. The debt description was a CFPB Charge Off with an Identifiable Event Code of " F '' ( By Agreement ). This closed account is now appearing erroneously with an " FP '' or Failure to Pay status on my XXXX and XXXX credit reports. In XX/XX/XXXX, I refinanced the remaining XXXX portion of the loan into a conventional 30-year mortgage. I request that the account be removed from my XXXX and XXXX credit reports. Thank you.
Product: Debt collection

Negative inquiry was added to my credit report by a debt collection company for a debt older 4 years in California. Did not receive notice from this company.
Product: Credit card or prepaid card

I'm responding to case number : XXXX with Capital one credit card services. I tried numerous attempts to rectify the matter. Only to be ignored without the proper investigation. This debt was settled over 5 years ago as settlement in full for lesser amount. The representative that took my payment in XXXX agreed to remove the charge off status from all three major credit bureaus since the account wasn't sold to a 3rd party agency, since the account remained in Capital one collection Dept.  Okay..for years as agreed the charge off was removed from my credit report. Well ... .here we are in XXXX, I recently filed Chapter XXXX and was discharged. As of XX/XX/XXXX, " Charge off '' status was update on the account from Capital one. Knownly, that I'm trying to establish myself, this account reflects negatively on my credit report. This debt is scheduled to be removed from my credit reports XX/XX/XXXX. I need this matter updated correctly immediately. I mailed 2 separate letters Capital one dispute department and my last letter, I went as far as addressing it to the president of the company. The out come of the investigation, Capital One said they will not update my report because it's reporting accurate, and since the account was in default at the time of payment they aren't obligated to make any adjustment. They are wrong on so many levels, they need to pull the tape with me and the representative in XXXX to validate my claim and honor the promise of removal of " charge off status ''. I'm so disgusted that I also contacted XXXX and file a compliant today complaint # XXXX
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CAP ONE AUTO XXXX Balance {$11000.00} XXXX  XXXX Balance {$3100.00}
Product: Credit reporting or other personal consumer reports

I receive billing statements in the mail from American Express, of which not having an account they were thrown out. 
American Express called all phone numbers associated with me, so I called into and discussed the questionable account. 
They explained that a company named XXXX XXXX XXXX XXXX was the company that opened the XXXX XXXX XXXX and charged a large sum of money. Owners of this company have the same last name as myself. 
This company is located in XXXX, I live in XXXX  and am not associated with this company. 
No hard inquiries were ever pulled on my credit of which is normal practice for a credit card company to do. 
I never applied/or do I plan on ever using American Express XXXX 

I want this American Express XXXX XXXX removed from my credit report and all associated information. 
After doing a search on American Express it appears that their company has had numerous hacks and they are in the stage of recouping monies for fraudulent accounts.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX
Product: Student loan

Since graduation I was not able to make payments. I was always pushed to deferment and forbearance without a clear explanation of my options. My debt almost doubled on many of my loans and I am now looking at an extra {$40000.00} that I need to pay off. They also did this with my private loans. Many times the company would wrongly allocate my payments which would lead to me being stuck on the phone with them trying to fix the issue. I was also contacted by collectors working under the name navient when XXXX of my private loans was about to default. They were very pushy and never offered help. Many times they just tried to collect whatever they could. Once when I tried to talk to them the gentleman hung up on me because I was n't able to pay what he wanted. I can barely afford my payments as is and without financial help from my parents there is no way I could. At the current rate I could have my loans payed off by 2115. Its ridiculous and seems impossible.
Product: Mortgage

I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, United Wholesale Mortgage and XXXX XXXX. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.
Product: Checking or savings account

I filed CFPB complaint XXXX against USAA on Monday the XXXX and believe that I have been retaliated against by members of the USAA staff for doing so. 

Immediately after filing the aforementioned complaint, USAA stopped offering me the ability to verify my identity over the phone by sending a six digit text to my cell phone. All departments are now requiring me to enter a code from the " token '' on the USAA app. However, when I provide them with the token on that app, they inform me that this is the wrong code and that they are going to disconnect the call. 

I have reached back out to the department of the CEO ( who IS able to verify me via text message. ) They told me that they are not aware of a situation where a client would only have ONE verification method offered to them, because, under ordinary circumstances, there are backup questions that have been offered. I am not being offered any backup questions. I asked the representative from the office of the CEO how we can resolve this. She advised me that if I go to usaa.comXXXX I can upload a color copy of my driver 's license. I asked if this meant that I will no longer need to enter a security code when I call in, and she said it would NOT do that. I stated that I didn't understand how this would help my problem. The representative did not have an answer to provide me. 

I believe that after filing a complaint with both USAA and the CFPB, a member of USAA 's staff illegally modified the settings on my account to make it impossible for me to access support from USAA going forward as retaliation for filing a complaint.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 



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 inructions 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: Mortgage

I have a dispute with Selene finance with my credit report that is reflecting a late payments that is roiling month to month which is causing me to have a bad credit score. And I stated that I needed this resolved with the credit Bureau as soon as possible. I have the documentation that is showing that the month that in question, which was XXXX XXXX was not late. That was the last payment that went to XXXX XXXX of XXXX XXXX and at the time with the transition between XXXX XXXX of XXXX and Selene finance took over the mortgage. I need that fixed on my credit report. By what your there mortgage statement / payment history is showing all payments have been made by the grace period. XXXX XXXX was the one that was not showing that Selene finance did not have so here is the proof of payment please clear this error up on my credit report. This is not the first time I faxed all this to XXXX XXXX information. I faxed this information to Selene finance with all this information in XX/XX/XXXX and I was told that it would be corrected. It XX/XX/XXXX and it still not corrected. I have faxed this information twice in XXXX XXXX and it still not resolved please help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I've asked Transunion to provide me evidence of the supporting documents they are reporting incorrectly to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX account # XXXX
Product: Debt collection

My letter at the address in New York was stolen and all personal information was stolen. Before I complained to your committee that XXXX XXXX had been resolved, I had already called the police station for help, but now the PayPal account has been stolen, I can't speak English. So I was not using it in the last XX/XX/2018 of last year. I dont know, now Paypal has called me to confirm, I know that theft is very serious! Was owed to paypal company up to {$2200.00}! Account number : XXXX  This is not my account, and this email XXXX is not my email address at all! I hope that criminals can be brought to justice! thank you very much! XXXXPayPalXXXXPayPalPayPalXXXX