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

This loan was for approximately {$70.00}. I purchased a product off of XXXX, and they offered the option to pay in 3 installments through Affirm. 
When the first payment was due, I tried to do an electronic withdraw from my checking account. Mind you, this is the same checking account that I use for all purchases ( including XXXX ) I was attempting to just pay off the full amount. I received an email from them indicating that the payment failed- I verified and tried this several times- each time the payment failed. 
I then tried to do a payment from my savings account- same result- payment failed- There are ample funds in both of these accounts, and I called the bank, they confimed that Affirm has never tried to any withdraw for payment from either my checking or savings account, and that there is no reason for payment failure. ie : I provided the correct account number, routing number and there are enough funds to cover the amount. 
Having spent way too much time on the phone with their customer service, I decided to do it the old fashioned way, and write them a check and mail it. I wrote and mailed check # XXXX in the full amount due of {$69.00} on XX/XX/24. They deposited the check on XX/XX/24, and it cleared my bank on XX/XX/24. They continue say I have not paid this, and when I call customer service they are of no help. 
I have an excellent credit score, and I will be livid if this ruins that. I do not know if they are a scam, extremely disorganized or just clueless, but they have been paid their money. I would be happy to provide them with a copy of the cancelled check- but all they say when I call their Customer Service- is that they do not have my payment and to call back in 10 days. They should be able to see how many times I have called to get this straight- if I didn't intend to pay this, why would I continue to contact them trying to get this resolved? My time and energy wasted on this matter is worth 10 times the {$70.00}. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. XXXX refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquirers on my credit report and requested the XXXX to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with XXXX and Equifax the response is automated stating the information is verified and never investigated. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX disputes a bankruptcy on my XXXX credit report and XXXX told me that they verified through lexis Nexis. I already contacted lexis Nexis and they told me there was no bankruptcy on my report. XXXX also lies that I should contact XXXX and when I contact XXXX they told me to contact Lexis Nexis. This Credit bureaus are playing games and disregarding FCRA.
Product: Vehicle loan or lease

This account World Omni Financial has submitted my account to collection wrongly. 
There was a case and we were working on settling the balance with XXXX XXXX  XXXX XXXX. XXXX stated they would wait while the balance of XXXX was being collected from the dealer of the new auto. It now says charged off and in fact has affected my credit score severely and as you can see this was paid on XX/XX/XXXX. We had been in many conversations and they had agreed to wait while I was speaking with XXXX. 
I was absolutely NOT negligent and need this to be corrected for my credit evaluation.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF EDXXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX account XXXX is reporting that in XX/XX/XXXX i was late which i never was. They removed the late payment then put the late payment back on my credit report which is a violation of my rights. Also XX/XX/XXXX & XX/XX/XXXX i was on time and they are reporting it as late. They are not providing proof as far as who confirmed this was late? What is the name of the person that reported this incorrectly? THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 } ( B ). We keep going thru this over and over and it makes no sense. I dont understand how you delete a payment then months later add it back on to your report after you deleted it? That is a violation of my rights. You guys are suppose to not let this happen at all
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, Equifax you are required by law to produce my credit reports. You've continued over 18 years to deny me that right three to four times a year. Not only have you denied me the right to see my credit reports until just recently when I filed a complaint with the CFPB, XXXX XXXX, You are refusing to fix the inaccuracies that you've allowed to occur on my credit report. You willfully and intentionally deny me my rights over the course of 18 years. So I'm going to put it this way, seeing as that you're playing the ID game again.

You are a direct violation of 15 USC 1681 EB and 15 USC 1681 S2 and 15 USC 1681 I Five... 

I told you XXXX XXXX, I am tired of playing your games. The same goes for you as well Equifax and XXXX I suggest you contact me concerning settling these issues you have my contact information {$35000.00} each is no longer a reasonable and fair settlement. And to think I was trying to be modest with that. The modesties out the window!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX All Accounts Have Violated My Rights.

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. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Ive tried to contact Transunion on this matter previously. I also filed dispute after dispute trying to get these inquiries that reappeared back on my credit in the year of 2016 due to their glitch. The company failed to take them off.
Product: Credit card or prepaid card

I disputed the transaction on XX/XX/2019 for {$290.00} with XXXX  XXXX  XXXX. We returned the whole order within the return period of 90 days on XX/XX/2019 via XXXX XXXX " XXXX ''. The carrier indicated the package was delivered. But we never received the refund, and citi bank charged us back for the returned item.
Product: Money transfer, virtual currency, or money service

I was ask to switch my XXXX by Coinbase. They would not allow me to move my funds unless I did. When did complied and I tried to move my funds they Restricted my account not allowing me to move or sell my funds to retrieve my funds. No reason was given No Customer Support No path to resolution. Nothing. That was over a month ago.
Product: Money transfer, virtual currency, or money service

I placed an order on XXXX  using a credit card issued by Zip/QuadPay so I could pay for the item in 4 installments. The zip order # is XXXX. I never received this item from the merchant, and I have tried to contact the merchant numerous times uncessfully. The merchant is not responding and has not delivered my item. I contacted Zip on XX/XX/XXXX to try to initiate a dispute regarding this transation, but was told I needed to wait for 13 days. I contacted them again XX/XX/XXXX, and am again being told it is too early to initiate a dispute. They have told me if I want to dispute the charge with the bank I can but that it would affect my zip account standing. 

Zip issued this credit card that was used to pay, and should be able to initiate a chargeback request with the merchant to get the money back. More than 13 days have passed since I placed the order. I have tried to resolve this on my own. Zip needs to initiate a dispute, investigate this money with the merchant, and refund the money I've paid for this item I've never received.
Product: Debt collection

I do not owe this debt. While doing my research I realize XXXX XXXX took over XXXX XXXX. When I joined XXXX XXXX in XXXX, it was a month to month deal with no contract. I canceled that deal in XX/XX/XXXX in person and in writing, I filled out some form & gave it to the receptionist/front person at the gym and I requested cancellation of my monthly withdrawals, she said I was good to go. Then after I cancelled in XX/XX/XXXX, I kept receiving emails asking me to join again, with discounted pricing ( emails attached ). In XX/XX/XXXX, I received an email from XXXX XXXX announcing XXXX XXXX was taking over, and I did not think anything of it, I thought it was another email to get to re-join. Then all communication stopped ; I received XXXX emails or communication from XXXX XXXX or now XXXX XXXX regarding any membership or anything due for the whole year of XXXX, until XX/XX/XXXX, which is when this collection debt was added to my credit report which I have disputed but Blink Fitness refuses to remove. I have contacted the debt collector, Aldous & Associates, several times via phone and/or email with no resolution. I demand this be removed from my credit report and I demand Aldous & Associates to stop any and all communication with me regarding this debt. I DO NOT OWE IT. Today, XX/XX/XXXX, I called Aldous & Associates & requested validation of this debt, I was not provided such proof. I offered my email and physical address for proof to be sent to me. Person answering the phones said she was not able to provide it to me.
Product: Debt collection

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, WA XXXX XXXX ) XXXX This company says I owe them {$1800.00} for damages when my wife moved out of XXXX XXXX XXXX XX/XX/2016. The original amount was {$1700.00}. This is listed on both of our credit reports as individual accounts. I sent Debt Validation letter. They only sent a itemized copy of a bill. There were no " original contracts ''. They also inaccurately report this account as open which is very damaging to our reports. An FTC opinion letter clearly states that mere itemization does not constitute debt validation, therefore they are in violation of the FDCPA. In addition, the Highest balance is {$1700.00} and the balance is {$1800.00}. How can that be?? It has multiple inaccuracies. I have attached their attempt at validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX in which was deferred as I was a full time student
Product: Credit card

XX/XX/year> an account with a company named Kik Off Inc was opened with a spending limit of {$3500.00} with out my knowledge or consent. I was made aware when checking my credit score while applying for a rental house. Upon checking through trans union it appears the billing address for the company in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I got with XXXX in XXXX being my alarm company with equipment being purchase from Fortvita, in which both has been getting debited from my personal checking account through two sperate transaction for each ( account never been late or over drafted ) The issue I have is Fortvita has stopped debiting my personal bank account and has sent me a Fortvita Credit Card that I didn't apply for or authorize to be sent too me. I have reached out to them and was told that an email was sent to me in XX/XX/XXXX giving me 45 days too accept the card ( an email that I knew nothing about SCAM ) When I contacted Fortvita customer service department and all they kept telling me about an email they sent and all I was telling them is I'm not activating a card that I never applied for or authorized anyone too run my credit, Fortiva was debiting my personal checking account {$25.00} a month since XX/XX/XXXX, but since they have stopped debiting my checking account and me not activating the credit card I have a {$170.00} amount not paid. and says my total balance is {$1000.00} for pay off .I do know this is a violation of Truth in Lending Act ( TILA ) Transferred my balance to a credit card and the contract does not allow them to run a credit check on me .I last spoke with them Monday XX/XX/XXXX telling them I will get an attorney and fight.
Product: Credit card or prepaid card

XXXX XXXX in XXXX, GA tried to steal money from me XXXX SENT THE RECEIPT ON XX/XX/2018. The rental was returned on XX/XX/2018, XXXX GAVE A RECEIPT THE SAME DAY XX/XX/2018. They tried another receipt thinking I wouldn't notice. I opened a dispute with American Express and they closed it. They didn't even ask me for documents. Something is wrong with the company. If you notice the people in XXXX didn't even know when I returned the vehicle.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX