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

Thank You Your documents have been sent to the court you selected. You will receive an e-mail notification when your documents have been received. Please use the document ( XXXX ) ID below when referencing this submission. 

Court : XXXX XXXX XXXX XXXX ( XXXX ) Case Type : XXXX Document ( XXXX ) ID : XXXX XXXX Received Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX, XXXX XXXX XXXX and XXXX Instruments XXXX Address XXXX XXXX Phone : XXXX Represented Party : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Role XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : Not Assigned Case Title : XXXX XXXX XXXX XXXX Number : XXXX XXXX Reason for sending documents : XXXX XXXX is being treated for XXXX  associated with a history of XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, I am requesting that XXXX-related information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX the Department of Health and Human Services, XXXX XXXX XXXX Sincerely, Filing : I would like my document ( XXXX ) to be filed Documents Sent Document AFFIDAVIT OF REGULARITY/PROOF OF MAILING ( DMV ) XXXX XXXX Listen to XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : Demolition Order of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Customer Service Receipt and regard to your complaint submitted on XX/XX/year> against XXXX XXXX & XXXX Your complaint was assigned ID XXXX, Receiver Contact Information Court : XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX Boosting Review Document : Loss Prevention and XXXX Charge against XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) NOTE : This email address is for correspondence only, no documents will be accepted through this email address.
Product: Credit card

I made my XX/XX/2022 payment and since I was then going to have XXXX XXXX after this so I confirmed that I was signed up for the XXXX Insurance they offered, as I had requested. They rep confirmed that I was signed up. 
Afterwards I received bills every month that showed NO payment had been made by this coverage and that they were charging me late fees every month. 
NO correspondence was received by me from Aspire. I called many times and since there call center is in XXXX I asked that I be transferred to the Corporate office and was told they can't do that, when I then asked for a Corporate phone number I was told they don't have one.! 
These people barely speak English and are incredibly rude. I have had several charges removed that came from suspicious places, like coffee shops and clothing stores that I never made. 
I wrote several letters and never received any response!
Product: Payday loan, title loan, personal loan, or advance loan

I opened up a loan with Giggle and I reached out to them about paying off the loan early which would save me $ XXXXThey had already had a lot of hidden fees, where the loan would cost up to 40 %. I chose to pay off the loan on XX/XX/XXXX which was agreed upon. They had all of the information and the money was ready to be taken that morning. However, they chose to not withdraw the money, and well as not answer any of my correspondence. They typically answer right away. I have heard nothing at all from them, but I suspect that they will resume trying to collect the money from my account. I have chosen to close my accounts with them until they answer and give me the original deal, or they will not get another dime.
Product: Credit card

On XX/XX/year> AMEX Reported an inquiry on my credit I never authorized AMEX TO PULL MY CREDIT INFORMATION THIS HAS CAUSED ME TO LOWER MY XXXX XXXX.
Product: Credit card

Last month I attempted to pay my bill early because I was traveling, the next day my auto payment came out and the amount I paid so XXXX times I requested that money back, the representative at the time was so rude to me and said she will do it finally, what I dont know was that she turned off my auto pay without my consent and in fact added a XXXX to my account number so it would work to begin with. Today I noticed my auto pay thats Ive had set up for XXXX years didnt come out I called them and turns out that FNBO ( XXXX XXXX XXXX ) bank turned it off so I said Id like to clear up the confusion and pay my bill theyd said fine. But the problem was I checked my credit score and they reported me XXXX late and decreased my credit limit all because it was XXXX days delinquent because of a mistake they did. When I asked it to be rectified I was given to a supervisor named XXXX and he saidoh well and he didnt care if it was their fault take it up with credit bureau and he didnt care what the rep did. Its my fault. I asked to speak with his rep and that I would record the call and he said no hes as high up as I get and I will do nothing. So Im reporting him to you as they dont care. My credit score is going to go down because of this ignorance and I want someone to help me
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates XXXXXXXX XXXX XXXXXXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX, this should not be late send proof now. 

Also, please pass this along. 
15 USC 1681s-2 ( F )
Product: Payday loan, title loan, or personal loan

Around XX/XX/2019 I got a notice to e-sign docs for an approved loan I did not request. I called Moneylion to see why I was getting this. They had all my personal information. I told them that wasn't me and not to send any money to that account since someone had my info. I told them to document my call to ensure it shows fraud in case they tried to do it again. I was assure they would close the account with my name. I filed a police report and changed my password and bank accounts. Months later, I see this loan on my credit report! I email them but they replied back saying thats wasnt the email to use. I check my credit report today and still see this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent and inaccurate items on my credit report, which I believe are a result of identity theft stemming from a recent data breach ( specifically the [ XXXX breach or another breach if applicable ] ). I have noticed several unauthorized accounts listed on my credit report, which I did not open or authorize. 

The fraudulent accounts are listed by the following credit bureaus : XXXX XXXX XXXX These accounts appear as open credit lines and/or collections, which are affecting my credit score and my ability to obtain loans or credit. These fraudulent accounts were opened without my consent and I believe they were created using my personal information, likely due to the breach.

I have disputed these items directly with the credit bureaus, but they have not been removed or corrected, despite providing a fraud affidavit and filing a police report. Additionally, [ list of companies involved, such as debt collectors or original creditors ] have reported these fraudulent accounts, even though I never authorized them.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that no information related to credit or financial matters can be reported without my written consent, unless a legitimate exception exists ( such as an application for credit or a legitimate business purpose ). Since these accounts were opened without my consent and no written authorization was provided, their inclusion on my credit report is in violation of this provision. 

Additionally, under the FCRA ( 15 U.S.C. 1681i ), I am entitled to have any inaccurate, incomplete, or fraudulent information removed from my credit report after filing a dispute. 

Furthermore, under the Identity Theft and XXXX XXXX XXXX of 1998, I am entitled to have fraudulent information resulting from identity theft removed from my credit report upon providing evidence such as a police report and fraud affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account shows XXXX late payments that states I was XXXX late on making payments on XX/XX/XXXX and XX/XX/XXXX this is not true by law I am promised accuracy in my credit report pursuant XXXX XXXX XXXX concerning my dispute with Indigo regarding the inaccurate late payment reporting on my credit report. I believe that the information reported by XXXX is incorrect, and I am seeking further investigation and correction based on the following facts : XXXX. Proof of Payment : I provided statements showing that I paid the bill in question, and I made an additional payment in XX/XX/XXXX. Specifically, on XX/XX/XXXX, I made a payment that was less than 30 days late. Under federal law, creditors may only report late payments if they are 30 days past due. XXXX improperly reported this payment, which was not yet 30 days late, as delinquent. 


XXXX. Failure to Provide Required Statements : XXXX has claimed that I had knowledge of a payment due in XX/XX/XXXX. However, I never received the required statement. Under the Credit Card XXXX XXXX and Disclosure ( CARD ) Act, creditors are required to provide billing statements at least 21 days before the payment due date. In this case, I did not receive such a statement, as it was sent to an address where I was no longer residing due to an eviction ( see Exhibit XXXX ). As a result, I was not properly notified of the payment due, which is a clear violation of my rights under the XXXX XXXX. 


XXXX. CARES Act Violation : All of the falsely reported late payments occurred during the XXXX national pandemic. Under the CARES Act, specifically XXXX XXXX XXXX ( a ) ( XXXX ) ( F ), if a consumer brings a credit obligation or account current during the period described, the creditor must report the account as current. XXXX failed to follow this legal requirement and continued to report these payments as late, even after I brought my account up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXXXXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.
Product: Debt collection

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX. 
XXXX XXXX TX XXXX XXXX XXXX XXXX SC XXXX XXXX : PARTIAL ACCOUNT NUMBER : XXXX .... 

To whom it may concern : This letter is being sent to you in response to the above reference account that WORLD FINANCE CORP has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
At this time I will also inform you that your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against WORLD FINANCE CORP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Student loan

My wife and I had tried multiple times to get affordable payments. When numbers changed, they didn't have a clear understanding. Also there was a time ( multiple ) I had to manually put in loan amounts to get the appropriate numbers with Navient. 
We will be paying this off in full, but are concerned about accurate info from Navient. We intend on paying the debt, and are currently behind, mainly because of all of the confusion.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENTS. Please assure me that my compliant is responded to properly. I have attached all neccessary documentation. Thank You
Product: Debt collection

I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam.
Product: Student loan

I applied for the XXXX plan well in advance of my recertification date around XX/XX/2023. XXXX XXXX stated my servicer ( edfinancial ) has processed the application and will reach out to me for next steps. I got nothing for two weeks and then they didnt email me but I had to look every single day until their website inbox requested tax information. I submitted and they requested an undefined amount of payment to exit my XXXX plan. So I paid {$50.00} and it didnt work. So I called over the course of a month trying to get to them with XXXX minute wait times and waiting for call backs and only got one call back. I was informed my application was declined in that call and hadnt been emailed once about it prior. My {$50.00} went straight to interest and did nothing for me ( Ive accrued over {$2000.00} since interest has started again ). The worker had me apply again over the phone and processed a {$5.00} payment to exit my XXXX plan and start my XXXX plan. She stated it should update and that it will be in there on the portal. Its been a week and Im not seeing the change to the XXXX plan. Im working full time, I cant keep waiting 3+ hours in the phone to be then automatically be forced to wait for a callback. I need edfinancial to fix my repayment plan ASAP!!
Product: Debt collection

I initially contacted Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA on XX/XX/XXXX regarding the company reporting a collection account from XXXX XXXX  Account Number : XXXX Amount:XXXX  that doesn't belong to me. I provided the agent with my SSN and was told there wasn't any accounts under that SSN. He then asked me for DOB and phone number. Which I provided and still nothing. I then provided him with the account number from my credit report. He was able to pull up the account. He stated that the debt was from XXXX and it has my phone number and dob. However when I provided my DOB and Phone number at the beginning of the call he couldn't pull it up. Well I just received my phone number on XX/XX/XXXX so theres no way that the phone number was provided in XXXX by me. Also he stated it was my DOB but the SSN didn't match. Theres no way the debt is my debt. The address doesn't match any address I have lived at. He then admitted they ( Portfolio Recovery Assoc ) are in the practice of updating the information on accounts ( such as the DOB and Phone Number ) from what it was originally which seems like unethical practices ( the DOB and Phone Number ). I requested to speak with disputes and was given a false number and told someone would contact me which never happen I called XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. What no avail. I also disputed the information with XXXX. But after they have unethically updated the information to match my information XXXX  did not remove the record.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX Dept of ED/XXXX  XXXX, XXXX, Ally financial XXXX, U.S. DEPT OF ED - XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as violated my rights.

15 U.S.C 1681 section 602 A. States I have the right of 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked late XXXX XXXXXXXX has refused to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent to the consumer reporting agencies reporting any false or negative information defaming my name. They are causing me emotional harm, pain, and anguish. They are commenting defamation of character against me by violating my consumer rights.