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

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Debt collection

Some Negative shows on my credit report and i don't know those things
Product: Credit card

Chase bank continued to increase the limit on my credit card without my permission or knowledge. At the same time they increased my interest rate to a very high interest rate over 25 %. They did this without knowing my financial position. Based on what I make, I could never make these payments and now I can not make payments, the bank will not reduce my interest rate or balance. I have been unable to pay. I did not understand what they were doing until it was to late and now they are not willing to help or correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. 

I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. 

On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. 

XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. 

It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. 

XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. 

XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. 

I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.
Product: Credit card or prepaid card

I have 2 Sams Card/Synchrony Accounts and I have a letter stating that on XX/XX/XXXX they tried to contact me wanting me to register for electronic statements and I refused on XX/XX/XXXX I get email from both accounts saying its overdue I am a XXXX  and old fashioned and like my Statements mailed to me both accounts were past due as of XX/XX/XXXX I have never been late in fact always early one account ends in # XXXX and # XXXX Issuer is Synchrony Bank XXXX XXXX XXXX XXXX Florida XXXX I paid bill over phone as soon as I got email also I tried to pay 2 times in XXXX XXXX  XXXX  XXXX Ar XXXX and was told they could not process payments there I was upset and when I tried to go online it would not take payment I feel I am being victimized because they charge late fees I am on a very limited budget. I paid and {$72.00} XXXX  and {$71.00} on account the operator said it was not his department or power to erase late fee This is about the XXXX credit card company that pulled same stunt Another Synchrony Bank Care credit card XXXX XXXX XXXX XXXX Fl XXXX I have not used for long time and I used it and got bill sent to old address and it was forwarded in person the day it was due account # ends in XXXX XXXX XXXX when I made payment they updated address it was never done but all my accounts at Synchrony changed? again late fee I need help Thank you XXXX
Product: Credit reporting or other personal consumer reports

I am making payments on this account and it is not being reported to XXXX and when XXXX investigated they also did not update the information based on the attachments clearly showing that I've made payments. I want this updated and corrected immediately. Clearly shows I made a payment in XXXX over {$200.00} and payment is not due until XXXX. The payment was paid on XXXX the XXXX it was due XXXX the XXXX and it is not past 30 days late it was only 10 days late. I attempted to contact Affirm awful times to change my payment date based on when I was paid and due to being in the hospital for COVID and incapacitated and not working. They have refused. I have evidence to support this as well. Medical needs take precedent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any aitems listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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.
Product: Debt collection

I have received threatening calls about the collection company 's filing a law suit against me and that the collections will remain that I can go to jail they impersonate to be someone else like a lawyer. They call my job to harass me. those collection agency send mail to my old address. I don't owe those debts and I have reached out to them in regards to the situation. I have exausted my options. Would like all the collections to be removed.
Product: Credit card

On XXXX I purchased clear using my amex aspire card and was supposed to get a cash back of XXXX to cover that expense. It's supposed to be posted in 8-12 weeks but not 4 months. Tried calling, and messaging Amex at least 6 times opened multiple tickets, and escalated multiple times, everytime amex agent agree it is a mistake and will get it fix in 24-48 hrs, but none has worked and I still haven't receive the credit.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against Affirm for their failure to properly verify account ownership, resulting in the opening of fraudulent accounts using my personal information. This has caused significant financial harm and damage to my credit report.

Details of the Complaint : 1. Fraudulent Activity : A fraudulent account was opened with Affirm using my personal information under the name XXXX XXXX XXXX, which is not my legal name. My legal name is XXXX XXXX. 
I have never authorized or initiated any accounts or activity with Affirm.

2. Identity Theft : I am a victim of identity theft, as documented in my FTC Identity Theft Report and IC3 Complaint.

Affirm has failed to investigate or resolve this issue despite clear evidence of unauthorized account activity.

3. Impact on My Credit : This fraudulent account has negatively impacted my credit report, causing significant distress and financial harm.

Affirms lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires creditors to investigate disputes and ensure accurate reporting.

Desired Resolution : I request the CFPB to compel Affirm to : 1. Investigate and Remove the Fraudulent Account : Immediately investigate and remove all accounts and activity associated with my identity without authorization.

2. Provide Documentation of Account Activity : Affirm should provide evidence of how and when the account was opened, including the identification used.

3. Confirm Resolution in Writing : Affirm must confirm in writing that the fraudulent account has been removed and that I am not liable for any associated charges or obligations.

4. Prevent Future Identity Theft : Affirm should implement stronger identity verification processes to prevent similar issues in the future.

Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report IC3 Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX Conclusion : Affirms failure to act on clear evidence of identity theft and fraudulent activity has caused undue stress and harm. I trust the CFPB will ensure Affirm fulfills its obligations under the law and resolves this matter promptly. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

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

I have been in constant contact with Experian 's Fraud Department regarding US DEPT OF ED/XXXX account XXXX and US DEPT OF ED/XXXX account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue. 
Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through XXXXXXXX XXXX and not by a full investigation : According to the FCRA I am entitled to this, which has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 regarding several unauthorized hard inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. I have certified mail receipts of letters sent to the creditors requesting verifiable proof of authorization for the disputed hard inquiries. 

I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

My account with 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit card

In a nutshell, Citibank Mastercard has charged me {$100.00} in late fees for an XXXX cent underpayment. In essence, my minimum payment was {$60.00} and was being automatically paid each month by my bank through their automated bill payment service. This was all working out until Citibank increased my minimum to {$60.00}, which I was n't made aware of because I moved and did n't receive my bill and did n't know for 3 months that my minimum payment increased by XXXX cents until today when a representative called me to inform me that as a result of this XXXX cent underpayment, I had accrued {$100.00} in late fees. I asked her to waive the fees since it seemed ridiculous to charge me {$100.00} for an XXXX cent discrepancy, which I was not made aware of due to the fact I moved and did n't get the bills. This rep informed me that she could n't waive the fee and transferred me to another dept who could n't help me either and then eventually, I was transferred to a supervisor named XXXX. XXXX was rude and not willing to help at all. She refused to waive the fee even though {$100.00} is an excessive amount to charge for an XXXX cent discrepancy, especially for a customer who is never late with her payments and who never received the bill or any notification ( until today ) that my minimum payment increased by XXXX cents. XXXX informed me there were XXXX lates fees charged, the first late fee they charged me was {$27.00}, the next was {$37.00} late fee and the next was another {$37.00} late fee all due to an XXXX cent discrepancy with the automatic payment being issued with my bank. Again, it 's not as though I was n't making a payment, it was that my payment was XXXX cents short and believe me if I had known, I 'd have my bank issue XXXX instead of XXXX. XXXX cents is not going to make or break me but being charged {$100.00} in late fee charges is criminal in comparison to this XXXX cent oversight. Thus I am humbly requesting help from you to have this company waive their ridiculous {$100.00} in late fees over XXXX cents, because I believe their bank practices are unfair, unethical and outlandishly criminal. Also, the Citibank supervisor XXXX refused to waive any of the fees despite the fact the bills were sent to the wrong address and refused to provide me with the name or address of their complaint department. I am sick with this company and cancelled my card as a result.
Product: Credit reporting or other personal consumer reports

experian credit report is inaccurate the XXXX  loan is {$0.00} and they keep posting the old statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Heroes Act ( Section 110401 ) DISCOVER BANK violated my rights by reporting late payments during the XXXX Pandemic. 

see attachments
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Jefferson Capital System To Whom It May Concern, I am writing this complaint to bring to your attention the unlawful practices of Jefferson Capital System, a collection agency that has violated my consumer rights as outlined in the following consumer protection laws : 1. **Failure to Provide Validation Information : ** - Violation : 12 CFR 1006.34 ( b ) ( 5 ) - Description : Jefferson Capital System has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection entry on my consumer report. 

2. **Denial of Opportunity to Dispute Account : ** - Violation : 12 CFR 1006.34 ( c ) ( 4 ) I - Description : I have not been given an opportunity to dispute the account as per 12 CFR 1006.34 ( c ) ( 4 ) I.

3. **False, Misleading, and Deceptive Practices : ** - Violation : [ Specify the relevant consumer protection laws ] - Description : The collection agency has engaged in false, misleading, and deceptive means in their communication and collection efforts. 

4. **Unauthorized Furnishing of Information to Consumer Reporting Agency : ** - Violation : 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) - Description : Jefferson Capital System has furnished information to a consumer reporting agency without providing the required disclosures as mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of these violations, I dispute all debts claimed by Jefferson Capital System and hereby revoke any rights they may have to communicate with me. Any further communication from Jefferson Capital System after the filing of this complaint will be considered a violation of 15 USC 1692K FDCPA, and they will be liable for {$1000.00} for each violation.

Furthermore, I am requesting a copy of the purchase agreement between Jefferson Capital System and the original collector.

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request a thorough investigation into the actions of Jefferson Capital System.

Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX {$820.00} According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.
Product: Mortgage

On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be XXXXhe servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : XXXX Emai : XXXX XXXX gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX I was informed that the payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

In the meantime, I received to notifications that my servicing account was transferred to XXXX. 

According to the notification which I received from XXXX XXXX ( dated XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), my loan was transferred to XXXX effective XX/XX/XXXX, XXXX and XX/XX/XXXX respectively ( please see the attached ). 

But according to an email which I received from TMS said that " effective XX/XX/XXXX, the servicing of your loan will be transferred to XXXX XXXX d/b/a XXXX XXXX ( copy attached herewith ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which remitted to it would be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and talked with one XXXX XXXX. She told me that according to the law, TMS can hold the money for 90 days and within 30 days, {$800.00} will be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and spoke with XXXX XXXX. She said TMS did not transfer {$800.00}. 

On XX/XX/XXXX, I also spoke with Spoke with XXXX XXXX of TMS. He said TMS received {$800.00} on XX/XX/XXXX. He said that {$800.00} was not transferred, it would take up to 60 days. I told him that period was over. 

He said that XXXX XXXX provided an account number of XXXX XXXX XXXX. In fact, MrCooper.com account number is : XXXX XXXX XXXX. 

XXXX XXXX, after checking with someone else, said that {$800.00} is for TMS for the month of XX/XX/XXXX, and payments to XXXX should start from XX/XX/XXXX. 

Then he said that the TMS is entitled to {$800.00} as the account was transferred to XXXX only on XX/XX/XXXX I told him that Fannie Mae and XXXX informed me that my mortgage servicing was transferred to XXXX on XX/XX/XXXX, and XXXX respectively, and emailed a copy of those letters. 

He said he would further make a research on this. 

On XX/XX/XXXX, XXXX XXXX called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not received {$800.00} from TMS.

I would appreciate very much if you could ask TMS to refund me {$800.00}.