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

Primary Concern : CREDIT REPORTED as DELINQUENT by AFFIRM to XXXX Installment loan : XXXX ( {$250.00} ) I have been using AFFIRM for quite sometime and I was able to pay them until the pandemic struck. I struggled juggling my finances and had to make necessary options until I can get back on my feet. 

With this, I established a communication with AFFIRM, expressing my concerns like late payment options and other specifics like which account would lead into reporting to the credit bureaus. I made several calls back in XXXX of XXXX and other follow up calls on XX/XX/2022 wherein I was able to talk to a number of representatives and supervisors. In this call, I specifically asked if what accounts would be reported to the credit bureau because I am afraid that I would not be able to pay all of my loans at once during their deadlines, and instead, I need to prioritize the account or accounts that is imperative for reporting. I was told that ONLY one account is subject for reporting and I am aware of that already. I asked not just once, not even twice but various times just to be aware of what I will be expecting. 

I reached out to them with all the good intentions and in good faith because I still want to continue using AFFIRM. I have laid down my concerns and I believe that it also important of them to work with the customers given the impact brought about by the global pandemic. I continued to pay and tried my best to catch up specifically the one account that I'm aware for reporting, since I know what damage it could do to my credit report. 

However, just recently, there was another account reported to my XXXX, it was tagged as delinquent and I was horrified since this particular account was not meant to be reported since I have asked various time about this concern. 

I immediately sought for their help, asking them any option for this report to be removed because it was deceitful of them to say that only one account is for reporting and I took those words seriously and all they were saying was, they're sorry for the miscommunication but they can not do anything about it. 

As a customer, we rely so much on customer service representatives or anything that directs us to a REAL PERSON, in this case, they have proven that it's okay for their representatives to make mistakes, to feed misinformation and they will not own anything because in the end, they do not care about their customers, only the money. 

My ultimate issue here is their inability to investigate properly, and shrugged off my plead from the beginning to meet in the middle just for this delinquency to be removed. They fed me with misinformation and they refused to work with me. 

I have proof of e mails that I have communicated with them and I also believe that all calls were recorded.
Product: Debt or credit management

I called ( XXXX ) XXXX, where I was transferred to a representative, didnt get her name based on the way she talked to me I just completely forgot. She was offended when I asked for her companies license number to collect debt in my state of Georgia. She did not give me the license number and stated I wasnt getting it on a recorded call. I was very displeased and under emotional distress due to this petty collection I had no knowledge of.
Product: Debt collection

I, Consumer is requesting XXXX XXXXOpploans XXXX Opportunity Financial LLC XXXX Documentary Evidence pursuant to the TRUTH AND LENDING ACT. Under the FDCPA Fair Debt Collection Practices Act it says you MUST have proof of verification on your records. I am requesting a copy of that verification, by the way here is the legal definition for verification as this is a legal matter ; " A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called affidavit of verification. '' I am requesting verification of alleged debt under penalty of perjury which means that you swear and attest that the information or documents provided to me the consumer is true and correct. I need to see those Documentary Evidence information to validate this alleged debt you are claiming I owe.
Product: Credit card

Apple and Goldman Sachs denied me credit based on my age. 
I have an XXXX credit score and their reason, for denial of credit is bogus. 
The reason they gave was that they could not verify my identity. 

Apple and Goldman Sachs could have called me. Goldman Sachs has in fact already has a meant to verity my identity. They chose not to, as I have an account with them and they accepted my identity on another instance, where there was no risk as I was depositing funds. 

Apple also has my identity as I have an I phone  and XXXX shared with apple  that I had purchased two I15 phones on XXXX credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1100.00} XX/XX/18 XXXX XXXX XXXX XXXX {$11000.00} XX/XX/18 XXXX XXXX  XXXX  XXXX {$7600.00} XX/XX/18 XXXX XXXX XXXX XXXX {$190.00} XX/XX/18 WRONG SOCIAL SECURITY XXXX I AM ITIN NO SS 15 U.S.C, 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Conserve Credit Debt Collection Agency for the Creditor XXXX XXXX XXXX XXXX, in the amount of {$6400.00} Account Number : XXXX had already been, " Investigated, Removed and Deleted, '' from all of my Credit Reports for being a, " Fraudulent Account '' yet they somehow managed to place them back onto my XXXX and XXXX Credit Reports. " I do not know if they have placed themselves back onto my XXXX  Credit Report but as I mentioned they were already deeded, " Fraudulent and I have sent the Original Creditor all the necessary legal documents when I first had them disputed and they were fully investigated and again removed and deleted from all three credit bureaus. 
I have spoken to both the XXXX Credit Bureau and Conserve, Conserve is the fourth Debt Collection Agency hired to try and harrass me and attempt to ruin my credit. In fact Converse told me when I called them that, The Creditor : XXXX did not sent them any documents at all so they have nothing to reference the fact that had already been removed for being, " Fraudulent Account! '' " I did however make them aware of this! '' And as far as XXXX and XXXX, I have filed complaints against them separately. 
I do not know how to stop this abuse as I can not afford to have my credit ruined by creditors who were already once removed from all three credit bureaus. However, it seems very illegal that this is happening as my Credit Bureaus have my records on file as I submitted two police reports, Legal Affidavit and all other documents needed. I really need this to stop! 
( Over the past two years I have sent the main creditor which is the XXXX and their other Collection Agencies they have hired, plus all three credit bureaus all of my legal records like up to three times now. When I sent the legal documents I always sent them, " Ceritfied Mail but I can not afford to keep on doing this as I my income changed drastically when I became XXXX and was put on Social Security Benefits! So I am on a very tight budget. I do however have all of my original legal documents that I am going to be mailing to CFPB )
Product: Credit card

Credit card statement closed on XX/XX/XXXX. I made XXXX payments prior to the next closing date ( XX/XX/XXXX ), on XX/XX/XXXX and on XX/XX/XXXX, paying the balance in full ( actually overpaying the balance ). 
I made the minimum payment on XX/XX/XXXX to ensure that I would not have a late fee, since a month or two before my payment was made late and I wanted to make sure that didn't happen again. When looking over my bill on XX/XX/XXXX, I noted an interest fee ( {$21.00} ). I contacted the credit card company to inquire. I was told that the statement was generated from my first payment. The consumer representative expressed that although what i had done would certainly prevent the late fee, that by doing so, I would incur the interest fee. The representative expressed that the interest fee would be removed, but suggested that I not use this practice in the future. 
So ... .although the company ( bank ) did the " right '' thing in this case, I don't believe that this is a fair practice, or at least certainly not one that is consumer friendly. I'm assuming this practice is allowed, but with current technology available, I question whether allowing this practice to continue is necessary. 
Thank you for your consideration of this matter.
Product: Consumer Loan

I purchased my car in XX/XX/XXXX and set it up on automatic payments. The have taken it out every month and then I actually had a dream that my car was being repossessed and it bothered me since I have never been late. I checked my bank and realized they did n't take a payment out for XX/XX/XXXX and XX/XX/XXXX. I immediately called and paid the 2 months and they informed me that I was 38 days late which will appear on my credit report. When I asked why, they had no answer. It showed I was kicked out of the system for automatic payment. I was never notified. They said they tried to call me on XX/XX/XXXX which makes no sense because I was n't late at that time. The number they had was a completely wrong number. I work really hard on my credit and I do n't think I should be penalized because of their error. I disputed it and received a letter saying that the information reported was correct. I want that 30 days past due off my report. They had no reason and no answers for me. I just got " I do n't know. '' I am attaching a copy of my credit history which they were suppose to send me to no avail. I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with equifax with 2 bureaus but they've reported it as 48 months with XXXX and Equifax. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( equifax & XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have contacted transunion and Equifax serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.
Product: Vehicle loan or lease

I went to Toyota, XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I bought an new Toyota car. My credit score was XXXX. But the Financial Services XXXX XXXX XXXX, lied to me, He told me he would give me a good yearly rate and 7yearXXXX mileage vehicle service agreement free but went I sign the documentation my and my husband not good English to read the document so we just trust XXXX XXXX now yearly rate 6.15 % .vehicle service agreement purchase price {$4600.00} i with my friend go there 2 times to talk to XXXX and still no result
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

Company name : XXXXXXXX XXXX - Account # : XXXX - Past Due : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  XXXX  XXXX  and they recommended to file this complaint here
Product: Debt collection

XXXX XXXX XXXX {$1500.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Debt collection

The medical debt in question being collected on by The medical debt in the amount of {$270.00} from from XXXX XXXX XXXX XXXX was submitted to XXXX on on XX/XX/2021, approved and paid. 

On XX/XX/2021, the same amount was submitted to both insurances again in which the physician services according to XXXX was overpaid ; therefore, XXXX issued the EOB ( Explanation of Benefits ) back to the physician 's office indicating the over payment along with the instructions " Do Not Bill Patient, Not Patient Responsibility. '' Since such time, I have received more than 40+ calls from NCC XXXX a debt collector for this debt. I have phoned XXXX just in the last 60 days who has since sent what they call an " XXXX XXXX '' to the debt collector as well as the physician providing education that the patient which that refers to " myself '' ... that I am not not responsible for the debt. 

Since that time I have received numerous phone calls. I myself phoned NCC and advised them of what XXXX stated. I have received three calls since from NCC collectors attempting to collect on this debt after XXXX XXXX and XXXX for XXXX and XXXX XXXX completed the investigation into NCC debt practices to cease the collection activity which still did not stop. 

Those collection attempts from NCC XXXX main line ; however, phone calls to my mobile was from XXXX from XXXX XXXX occurred on XXXX, XXXX, and XXXX. This type of ongoing harassing debt collection goes against all debt collecting FDCPA practices of fair debt collecting. Please assist me in ensuring that companies like this do their due diligence and adhere to policies and instructions provided to them by patients. Its obvious I had spoken to XXXX or how would I had been able to provide them with XXXX codes and all of the information I was able to provide them about the overpayment to them, and me not being responsible for the amount due. 

Thank you in advance for your immediate attention to this matter. I sincerely appreciate your assistance in helping me resolve this issue before it is placed on my credit reports.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX  and  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of multiple unauthorized and fraudulent hard inquiries from my Experian credit report. These inquiries were placed without my written consent and must be removed immediately, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b.

THE FOLLOWING INQUIRIES MUST BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> LEGAL VIOLATIONS & FTC ENFORCEMENT Under 15 U.S.C. 1681b, a credit inquiry is only permissible with my explicit written authorization. If Experian can not provide physical, legally binding proof that I approved each of these inquiries, you are in direct violation of the FCRA and must delete them immediately. 

The Federal Trade Commission ( FTC ) has ruled that failing to remove unauthorized inquiries constitutes willful noncompliance with federal law. If these inquiries are not removed within 4 days, Experian will face immediate legal consequences, including : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ). 
A lawsuit for willful violations of the FCRA, under 15 U.S.C. 1681n ( a ), which allows me to seek statutory damages of up to {$1000.00} per violation plus attorney fees.

An FTC complaint citing Experians failure to comply with federal law.

A report filed with my states Attorney General for deceptive practices and failure to investigate fraudulent activity. 
This is not a requestthis is a final demand. I expect written confirmation that these inquiries have been permanently removed within 4 days of receiving this letter. Failure to comply will result in immediate legal action.
Product: Student loan

In XX/XX/2021 I reapplied for Income Driven Repayment Plan through Nelnet attaching signed documents and affidavit statement of {$0.00} income as did not file with IRS. Nelnet 's dashboard for uploading documents then up loaded executed forms and non executed forms. It would not allow me to delete nor view uploaded documents. 

Nelnet continue to harass effort of non receipt and upon a second successful effort to provide them with documentation, uploaded to their dashboard. I am still receiving demand of already submitted. I do not and can not afford a phone and have effortlessly tried to comply with what is being asked of me. However Nelnet still harasses to default loans to garnish.
Product: Credit reporting, credit repair services, or other personal consumer reports

New to using cedit, went to buy a car multiple places and they ran my credit at so many different places that i did not authorize trying to get me financed. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I contacted Experian and requested a .Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. 

Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, please remove this entry from my credit report in adherence to the FCRAs accuracy standards. 

Nothing requested was received by Experian however Experian has continued to incorrectly report this account causing me issues with obtaining credit and housing.
Product: Debt collection

on XX/XX/2018 at XXXX XXXX, XXXX XXXX ( for XXXX XXXX ), called my job at XXXX about a debt that was owe and off my credit report and talk to my coworker about the problem. didn't verified any information regarding the debt, just asked for my name. and told all personal information about this debt. the person that was talking on the phone from XXXX XXXX was XXXX XXXX. i have repeatedly had phone calls from this company with harassment, and i told them to stop calling. Their number is XXXX and the reference number is XXXX. they also been calling my phone number XXXX multiple times. i didnt authorize this company or XXXX XXXX to call my place of work, relatives or cell phone in regards to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX