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

On XX/XX/2021, {$370.00} was utilized by XXXX whom has a contract with Affirm for loans. XXXX XXXX was sent funds on date from Affirm. XXXX XXXX agreed to get resume written by top individuals in that field of subject with a promise of 48 hour return. Confirmation of start from XXXX XXXX can the next XXXX  on a the writers assignment to the project. An old resume was submitted to XXXX XXXX. I had several request which the company ( XX/XX/XXXXXXXX XXXX agreed to respond within 24 hours however, it was an auto reply ) So, I was not getting the writer to respond but, after 3-4 days he finally respond which, I had already requested by XXXX XXXX for the removal and the response for customer service took two days just for a reply of WHAT IS YOUR ORDER NUMBER? I was totally shocked by the response with their phone number to reach them at XXXX. I told XXXX that they failed to deliver on their advertise promise and I wanted a Refund. Agent stated putting request in should be answered by tomorrow. Called Affirm and told them about the situation. Affirm agreed to file refund with the merchant. I called XXXX XXXX the next day to see if my refund was processed and told to call back the next business day. I called Affirm and told them again what was going. I really like Affirm but told Affirm about XXXX XXXX complaints with the XXXX  reached 444 complaints regarding the same issue. XXXX XXXX is taking money from Affirm and not doing the work leaving the customers to pay the loan and telling the Affirm that their company did the work. I was told I would get with Executive -resume, XXXX makeover and cover.. Resume contain issues related to alignment, grammar and other issues and XXXX was never done. However, the XXXX XXXX today states it was services done as a charge back in XXXX which, I never had service and advised this was XX/XX/2021 and the manager stated, " OH, we are not giving the money back because he feel we worked on it. Now, we can get you another writer but, you will not get the money back. Called Affirm and told them about the fraud being committed by this company and deceit where, Affirm is given money which belongs to us to XXXX XXXX knowing -- no refund will be given but stolen.. NOW< I am out of a resume and I advised AFFRIM I will not pay that loan off due to FRAUD AND FALSE ADVERTISMENT> Your loan confirmation XXXX XXXX has processed your order, and your loan has been confirmed! 
We'll keep in touch with email and SMS payment reminders, and you can access your account at affirm.com/u. 
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{$340.00} Loan amount The amount of credit you borrowed through Affirm {$370.00}
Product: Debt collection

In XX/XX/XXXX a bill for {$600.00} from XXXX was sent to AFNI INC due to unpaid phone bills. The bills were in my name but but being used by a different person. This person fled continuing to use the phone and service. I have paid the collection service in hopes to have this resolved and the collection had been disputed. I received a credit reporting this month stating that this collection will remain on my record till XX/XX/XXXX and i am desperate to have this removed from my credit. I am not at fault and looking to resolve this as soon as i can. I was unaware that i was still being held accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan with XXXX XXXX finance was paid in full on XX/XX/XXXX and it does not reflect as being paid off for the the last XXXX years. It does not reflect as being paid off on my Equifax credit report and effected me gaining access to credit and approvals.As of todays date XX/XX/XXXX its still reflecting negatively on my Equifax credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a Letter to Delete Inaccurate Credit Information. I am dispute a late payment and Validate of one Account. I first letter i receive back Transunion Accuse me of being a credit repair company. I responded back with this ( That my request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. ) I receive the 2nd letter from transunion saying they can't process my request because they were unable to determine the nature of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX  XXXX  XXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Product: Debt collection

XXXX XXXX billed me for a policy I did not authorize. I received a bill from the company and knowing I did not request or authorize new policy, I did not pay it. Now it is in collections.I wrote XXXX XXXX for a copy proof of authorization, and they replied that they have it, but failed to show or give me a copy.
Product: Debt collection

I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Springer Collections Representatives in regards to 2 accounts for {$1800.00} and {$210.00} from XXXX XXXX XXXX XXXX. The accounts are fraudulent, unauthorized, not my accounts and are the results of identity theft. Springer Collections are in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed Credit Disputes to all 3 credit bureaus disputing XXXX XXXX XXXX debt to no avail. Called XXXX throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over XXXX reporting system. 

XXXX is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

XXXX is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentially under 1

5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section States : No consumer reporting agent 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 7 years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all XXXX credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$8400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 an hard inquiry appeared on my credit report from XXXX XXXX. I did not give consent for this inquiry. I submitted a dispute through XXXX but was told they can not remove a hard inquiry. There is no contact information for the company listed, when conducting an internet search. This may be fraud or done in error. But Id like to prevent any further fradulent activities or lines of credit that I have not given consent for being established.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Following hard inquiries I see on my Transunion credit report which was never acknowledged or given consent for. I sincerely request CFPB to instruct Transunion to remove them from my credit report asap. Please find the merchant names and date of the inquiries as per my FICO report shown below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report from a company called XXXX XXXX I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this inquiry.
Product: Payday loan, title loan, or personal loan

This is a f/u concerning the net credits changing on our loan terms for 52 months at a daily interest rate of about {$4.00} to 32 months increasing the rate to {$5.00} per day. I reviewed my contract and it does not state that the company has the right or permission to change the term of the loans. The loan upon the {$1500.00} payment should have remained and decreased in monthly amount. I recently sent in a {$1000.00} payment on the XX/XX/XXXX and prior to making the payment I spoke with customer service that stated that " decreasing the term to 32 months was better for me '' and she could not conceive that I am being charged at an unauthorized accelerated ( added ) rate of {$1.00} possibly higher since the payment of {$1000.00}. FYI the payment was scheduled onXX/XX/XXXX when I made the {$1500.00} payment ( see payment schedule )
Product: Credit reporting or other personal consumer reports

my credit report is inaccurate across credit reporting agencies XXXX and XXXX. They are showing a XXXX  XXXX XXXX card, capitol one card, and XXXX that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patiently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the re-invesigation of information. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. Pleas delete the following account : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 LVNV FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold and I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and I am disputing the accuracy and completeness of certain information. This incorrect information is negatively affecting my credit report, and I request that it be corrected immediately. I believe 30 days is a reasonable timeframe for your investigation. Once the investigation is complete, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 

I also request that you stop reporting these accounts as late on my credit report immediately. If this request is not honored, I may consider taking legal action against your agency. The details of the disputed information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon - I had filed complaint # XXXX. I missed the deadline for any updates. XXXX XXXX XXXX is still showing my payment status is delinquent even though Experian had said they will be updating this.
Product: Credit card or prepaid card

I recently applied for a XXXX XXXX XXXX in store. I was granted credit and filled out an application and supplied my home address ( XXXX XXXX ). My name and address was verified by the store representative based on my state issued picture id I provided. My card was issued by Comenity Bank and mailed to XXXX. The resident there was kind enough to deliver the misaddressed mail to me XXXX this has been happening frequently ). Comenity Bank disregarded the ( correct ) address used on the application, Comenity Bank then changed the mailing address and mailed the card to the address provided by my credit reports ( wrong ). I also question how they changed my name to a unique blend of my married and maiden names. I have contacted Comenity Bank and allegedly they have corrected the issue ... ... Until they are again supplied incorrect information from my credit reports ... ... It seems to be a vicious circle of constantly evolving incorrect data. 

reference CFPB complaints : XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

Spring Oaks capital falsely reports to XXXX that I owe them {$500.00} for an account with XXXX  XXXX XXXX. When I contacted Spring Oaks on several occasions they transferred the call to XXXX stating that they own that debt. XXXX managers and supervisors claim that I paid it the account and do not owe anything. They provided me with a pay in full letter. XXXX staff said they can not remove the collection from my credit report because Spring oaks owns it. I disputed the collection with credit bureaus and Spring Oaks insists that the information is accurate. I called Spring Oaks and everest over 20 times and they cant resolve my complaint. I just get bounced around between them 2. I even offered to pay what they say I owe and they stated that i do not owe anything yet they continue to falsely report to XXXX that I do.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XX/XX/2023 Consumer Financial Protection Bureau Complaint Regarding Charged Off Repossession on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a charged-off repossession that has adversely impacted my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and achieving a fair resolution. Account Information : Creditor Name : GM FINANCIAL Account XXXX Charged-off AmountXXXX Account Information : Creditor Name : XXXX Account Number:XXXX Charged-off XXXX I am deeply concerned about the charged-off repossession appearing on my credit report, as it has significantly affected my creditworthiness and financial standing. However, I strongly believe that this repossession was unjustified and should not have occurred in the first place. I have taken the necessary steps to improve my financial situation since the repossession occurred. I am attaching copies of relevant documents, including credit reports, payment receipts, correspondence with the creditor, and any other evidence that supports my claim. These documents serve as proof that the charged-off repossession has been an unjust burden on my credit history. I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure the charged-off repossession is removed from my credit report. Additionally, I urge the creditor to rectify any inaccuracies or discrepancies on their part that led to the repossession and its subsequent charge-off. I seek a fair and just resolution to this issue, as it directly impacts my financial well-being and future opportunities. Removing the charged-off repossession from my credit report would greatly alleviate the difficulties I have faced in obtaining credit and financial services. I appreciate the assistance and attention of the Consumer Financial Protection Bureau in addressing this matter. Please find attached all the necessary documentation to support my complaint. I look forward to a prompt response and resolution to this concerning issue. Thank you for your time and consideration.