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

XXXX XXXX was in charge of my account from Affirm and it was paid off on XX/XX/2025 via debit card in the amount of {$37.00} as per the settlement amount. I called Affirm to inquire on why my account did not reflect the amount of payment on XX/XX/XXXX as I was told my XXXX XXXX that payment is sent expeditiously to the reporting company. I was told by the Affirm rep that payment was not received and I called back on Monday XX/XX/2025. Upon calling back, I was not receiving any proper assistance from the representative as this person seemed perplexed and was hard to communicate with. I requested to speak with a supervisor, her name is XXXX, and when I spoke with her she doubted that I made payment. I couldn't believe that she was accusatory in that nature because I have all verifiable proof. I called XXXX XXXX  and spoke with XXXX XXXX XXXX XXXX  on XX/XX/2025 and explained the unprofessionalism I was faced with dealing with Affirm. I merged the call so all parties can be on the phone and it was confirmed that I made payment and XXXX sent out the required information to Affirm. She was flustered that I was advocating for myself and not standing for her actions. I also forwarded the confirmation of payment email as per XXXX the Affirm 's supervisor 's request on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, all three of us being on that recorded line she indicated it would take 3-5 business days approximately for the matter to be rectified ( Case # XXXX ). I called back again on XX/XX/2025 because I did not receive any correspondence from Affirm and I was directed to a supervisor named XXXX again that said my case is with the escalations team. No time frame was provided to me this time and the company is not proactively handling this matter. I am ready to close my account and do business elsewhere as this shows the capacity of how Affirm handles urgent matters. There's no regard for consumers based off actions presented. I would like for Affirm to do their due diligence and rectify the situation as they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS CHECKING MY CREDOT REPORT AND i REALISE THAT MY CREDIT SCORE IS LOW. I DONT KNOW WHY YOU PUT THIS INFORMATION ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a vehicle. I followed up on the preapproval letter that I have received stating that I would be eligible to get a vehicle. I then filled out the credit application. A day or two went past then I was told I denied and they would mail me a letter stating why. Shortly after I kept getting alerts that my credit was being checked by several Banks. I called Trans Union customer service to tell them these inquiries were not performed at my discretion I spoke to the representative he told me that he would remove them. But they remained yet again so customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Debt collection

the tire on a car rental i made with XXXX XXXX went out. The tire was actually low as they rented it out to me with a low tire warning. After renting the vehicle for several weeks, and finally for the last time, the tire blew out and left me stranded at a gas station. I believe an XXXX. I called XXXX and although they said they were on the way with a tow, they left me stranded for three hours in the dark. After it was past time to return the vehicle i was instructed by XXXX agents to leave the keys in the vehicle and they will have the tow driver pick it up. Coincidentally the vehicle came up missing after i caught an XXXX home. Not only did they say they would pay for my XXXX, but they lied to the police and told them that i was responsible for the missing vehicle. The company did their investigation and found no ties to me " stealing '' a vehicle that my drivers license was tied to, and I even talked to the owner of the vehicle named XXXX that night who said he would go and pick the car up. Eventually i received a notification that XXXX was taking responsibility for the missing vehicle. Months after I began receiving a string of credit collection emails holding me responsible for the missing vehicle. They have harrased me now for almost two years and this situation has me frustrated because i strained my neck when the tired blew out. The fact that they left me stranded that night and then began to accuse me of the vehicle being missing after i had purchased my own vehicle felt discriminatory.
Product: Student loan

I had taken loans for my education, recently I was XXXX I have been unable to find work in my field of study, I live on the verge of being homeless everyday. My Navient loans ( which was XXXX XXXX when I took them young and dumb ) have gone into default I tried to offer them XXXX per month until I can find gainful employment. I have been told that is not " acceptable '' They have basically refused payments from me. I talk to them they claim they will call me back they do n't. They try to talk in circles to me and when I call them on what they have said they say that I am wrong and I am twisting their words. I have asked them to give me my options in writing as they only give me half of the story when I speak to them. Their collection staff is full of collection agents that are nothing more than bullies. I am discussed and sick over this and would love for the government to investigate them for shady lending practices and abusive collection practices. I am sick of being spoken to as if I am stupid and not on the same mental level as these individuals that they employ that for whatever reason feel they are better than I am in some way.
Product: Payday loan, title loan, or personal loan

I received a {$1000.00} loan from big picture loans on XX/XX/XXXX. I read the terms and conditions and the interest rate was 500 %. No where did it state that this was owned by a XXXX. They said I would have to pay {$230.00} PER MONTH. I agreed because I wanted to pay it off the next month. I received and email saying they were going to debit my account again on XX/XX/XXXX after they already had on XX/XX/XXXX. The terms I received specifically states once per month. Not every two weeks. When I call its either no answer or its a round about with them. I cant get ahold of them to pay it off. I am being scammed and this is a huge fraud company. I now have to close my account because all they are doing is continuing to charge me interest and will not let me pay it off in full.
Product: Credit reporting or other personal consumer reports

XXXX : Account : XXXX Name : XXXX XXXX XXXXXXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the agency myself, and they have failed to verify that this is indeed my debt. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account No even that 15 U.S. Code 1666b said : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

i Never received a letter from this agency about i have late payment so this company totally failed by low..Delete this account from my Credit File. 

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

I file a dispute with equifax and no one couldnt help me at all
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX and XXXX, representing Ascendium,  falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to XXXX. XXXX. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding Ascendium. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. XXXX. XXXX, XXXX XXXX XXXX and Ascendium have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX Ascendium XXXX XXXX XXXX XXXX, WI XXXX
Product: Checking or savings account

I am XXXX XXXX, I am writing to bring to your notice the poor communication of SoFi bank, and the improper banking system, My account was restricted for no reason and every time I call they have answer for me and can not do anything for my account Im not sure what is going on, I need to pay my credit card and I can not access my funds, I call every single day still no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2019 : According to an email from Credit Karma, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a XXXX XXXX card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.
Product: Mortgage

I currently have a loan with cash call mortgage. cash call did not provide my note in the closing documents. 
Therefore, when I went to refinance my mortgage I could not complete the refinance without the note. I called cash call on several occasions and they promised me they would send the note. Finally, I realized this was done on purpose to keep me from refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian are reporting inaccurate information on my credit report about my student loans XXXX, they are reporting that I have missed payments and have late payments while I'm currently in forbearance and also COVID-19 student loan payment pause I've been disputing this inaccurate information in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and they have done nothing to help
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 XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Department Store Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

1

5 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 or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : 1. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) 2. XXXX ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit card or prepaid card

Capital One advertises {$0.00} Fraud Liabality. Yet I was a victim on fraud. On XX/XX/XXXX there were 4 unauthorized charges of {$290.00} for a total of {$1100.00}. Capital one has decided the charges were valid, but they can't even tell me who the charges were from. {$0.00} Fraud liability is clearly a lie.
Product: Credit reporting or other personal consumer reports

I have an agreement with Chase to pay the minimum of {$37.00} a month without penalty. Yesterday, my credit report was pulled by a mortgage company that shows Ive been paying late for several months. I spoke with them about the issue a few months ago and they advised my account is in good standing. Ive also, started paying more than what is due of {$180.00}. This issue is causing me to suffer with purchasing a home.
Product: Credit card

There was an error with this account online. I paid it once I realized what was going on. I think there was an error with my auto pay. There should have never been a late payment with this account. There is a 30 days late payment with XX/XX/2016, there should have never been a late payment.
Product: Mortgage

On XX/XX/XXXX at XXXX I called and asked the loan company XXXX XXXX servicing what I could do to lower my mortgage payments since it went up significantly because of my taxes. They told me that the only thing I could do was pay off my entire escrow shortage at once. 
I asked why the escrow got analyzed early in XXXX, but they could not give me an answer. 

On XX/XX/XXXX at XXXX I called the loan company again and spoke with another representative. This representative told me that I could request my escrow shortage to be paid over 24 months instead of 12 months. 
I asked why the escrow got analyzed early in XXXX, but they could not give me an answer. 

On XX/XX/XXXX at XXXX I called the loan company to request the escrow shortage to be paid over 24 months. I asked the new representative what was the maximum months I could request and she told me 48 months. Therefore, I requested 48 months. I should have been told that by the previous phone representatives on XX/XX/XXXX. 

I checked my payments online to see that my mortgage payment has decreased, but not significantly. Therefore, I called them to see the request for 48 months was applied. They told me that I was denied the 48 months and granted the 24 months. 
I asked them why I was not granted the 48 months, but was not give a straight answer. 
I asked them to give me a documented answer on why I was denied, but I was not given an answer. 
They said it could of been the loan company " Loancare '' that they service, as to why I was denied. I asked for Loancare 's number and they said that they do not have it. 

They also said it was possible because I have a FHA loan, but they was not sure so, they gave me the number to FHA HUD for more information ( XXXX ), but they could not provide me with an escrow related answer. 

In short, I do not know why my escrow was analyzed early or why I was denied the 48 month shortage time to cover and I was not able to get any solid answers from them. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

They have things on my credit that is definitely not me Ive complain about this and stated that it not me! I even have proof with my bank that one account they have on my credit was fraudulent activity that I had to dispute with my bank that was proven to be fraud! I need help! Im trying to buy a house for me and my kids! While working on getting my credit together and have things on there that is not me at all is hurting my score! Please investigate Im willing to me in person over the phone, or whatever these accounts must be cleared from Me immediately thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( XXXX  ). The repeated collection charge off is for XXXX ( waypoint ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?
Product: Debt collection

You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( NCAP ) mandated that on XX/XX/XXXX of 2023 effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the XXXX administration that was put in place to protected classes as myself and this company is not in compliance to this law.