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

I submitted a dispute via cfpb portal last month. Affirm gave response saying that I could make another dispute via their website. The website link provided did not allow me to make a dispute via that link. When i went to the app, it didnt allow me to either. 

Since this time, I have spoken with Affirm on several ( at least 4 ) occasions via telephone and chat, was told that the dispute would be put in and even escalated to net level. Have never received any information regarding disputes or elevation status. 

I was told that in the meantime, while is dispute status, I would not have to make payments while this is investigated and updated. 
After that I would get automated messages get from the Affirm saying that my account was delinquent. When i called back to ask agent on this, they would confirm that its just taking time for systems to update and that payment would be on hold during investigation. As recent as yesterday, i was put in bad credit from the credit bureaus due to lack of payment. I have been in great payment status with affirm since the beginning of our relationship, years back. This is not fair and the practices are very inconsistent. Please rectify the dispute as well as my bad credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them
Product: Debt collection

Hello, I am disputing this bill because it was never submitted to my XXXX Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over XXXX years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.
Product: Checking or savings account

Direct Express site returns " an error has occurred Error 20 '' and instructs to try again in a few minutes, but that has been the case for three days! 
I can't believe that others aro not having the same problem!
Product: Credit reporting or other personal consumer reports

XXXX prove you are the student loan servicer of the federa consoldation by providing a copy of the U.S. Department of Education serviceing Agreement with XXXX to service the federal consolidation loan. XXXX the real U.S Department of Education General Counselor Terminated the federal consolidation loan for fraud XX/XX/XXXX and that Stands. XXXX why do you keep offering different ways to keep the fraud consolidation loan on your books. XXXX you have offered me to consult the ED Resolution Group, I declined. XXXX you offered a reduced amount of money from over {$80000.00} to {$39000.00} I declined. XXXX you offered a loan forgiveness, I declined. 
XXXX you should have sent me a letter first before damaging my credit reports and scores illegally. The real U.S. Department of Education ( Secretary ) rejected XXXX XXXX XXXX on XX/XX/XXXX and terminated the loan on XX/XX/XXXX no Biden-Harris loan forgiveness qualify.and not applied for and not needed. The real U.S. Department of Education does not own your federal consolidation loan. Their is no federal lender on the consolidation loan. Issueing a loan forgiveness will just be fraud on fraud. XXXX the federal consolidation was orginated by the University of Detroit Mercy school code OPEID number and does not qualify for loan forgiveness. The U.S. Department of Education General Counselor would have aprove it aka the Secretary a loan forgiveness but they did not. XXXX you have no authority to make any decision on the fraud consolidation loan. XXXX prove the real U.S. Department of Education Agreement with XXXX to service thisTerminated federal consolidation loan. I will be waiting on the documents for 15 days. XXXX If I do not receive a copy of your contract with the U.S. Department of Education to service the Terminated and fraud consolidation loan I will start the lawsuit. Equifax I request you to block the student loan by ED XXXX in 4 days because XXXX stole my identity to steal money from the U.S. Department of Education for serviceing fees and bonuses. The real U.S. Department of Education does not this student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I co-signed a private loan for my son. It was required because he was a dependent student. Payment was initiated by me on about XX/XX/XXXX. At this time he had graduated. I continued those payments until about XX/XX/XXXX. 

At that time he updated my credit record to show that loan was initiated in XXXX. Contact was made with all parties that I thought would be able to help me clear up the data. I contacted the Credit Bureau and the response was that XXXX claimed the report without showing that they performed any research to confirm. 

This occurred a few months after XXXX XXXX split up and separated Federal and Private loan agencies. 

With no where else to go I found a lawyer that would take on my case. As this also involved my son, the lawyer added him as a plaintiff. XXXX dragged out the process in the court system for about 3 years. As I had lost confidence in our legal team, finally I decided to drop the case without prejudice.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX  XXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This company is constantly changing their policies without notifying their customers. Currently the only way to make a payment or review your account information is on their app. Ive been a customer for almost 2 years and was recently notified I need to verify my account again, all requested information was submitted and I still unable to access the app. I was told the turnaround time would be 5 days and it is been more than 2 weeks. I was reported as late a few months ago due to an issue with their app disconnecting from my bank account and not processing the auto pay. I do not want this issue to cause another late payment. I really need help with this, I have reached out via contact us links as well as on social media with no response. Upon further review of the comments on their XXXX profile, many people are having the same issues and we are all struggling with this company to be provided basic access to our accounts so we can take care of payments etc.
Product: Credit card

I don't recognize many charges from XX/XX/2023 - XX/XX/2023 with total amount of {$12000.00}. 
I filed a dispute with my bank, which is Bank of America, however my dispute was denied.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

In accordance with 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency can not provide an account without my written consent.

Referring to 15 U.S.C. 1681c. ( a ) ( 5 ) Section, it prohibits any consumer reporting agency from including certain adverse information in a consumer report, except for criminal convictions older than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to any consumer reporting agency. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX, XXXX, XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) l 'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several disputes about inquiries being placed on my report fortunately and unauthorized I have been notified by external pay membership that my emails have been found on the dock Web I also have reported problems in the past with ordinary credit rules and transjunior refusis XXXX fuses to move through it's of 13 inquiries that have been placed on my TransUnion Report But in the last 60 to 90 days I have submitted dispute that is via satisfied mail to TransUnion question it's been a question disputing inquiries and to ask for it to be removed to tTransUnion not only did not investigate they did not send me a explanation of why they refuse to remove such echoes I have also I've also submitted disputes disputes with experience and XXXX  and have no problem Having the disputes removed and rectified define TransUnion is not not being cooperative there is no correspondence no communication
Product: Debt collection

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 XXXX : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and tighten up my responsibilities. However, I noticed that there were some inaccuracies on the information that I requested. I have noticed that there are Three different companies ( National Credit Systems, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) attempting to collect this debt. Also as shown in the pictures, there are inaccurate amounts being reported from these companies. I have read about the Fair Credit Reporting Act, and according to it, by law I have the right to challenge anything is not accurate. Are you familiar with the 15 U.S.C. 1681? I understand that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted seeing that they are not 100 % accurate. So, could you please check on this account and get back with me? I saw on a Credit Site and Board where a lawyer said you have 30 days to complete the investigation. Please investigate the following accounts and remove them immediately in the act that anything is missing or not correct. In accordance with the Fair Credit Reporting Act, XXXX  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 : States a consumer reporting agency can not furnish an account without my permission. It is also against the law for creditors to increase the amount of a debt. This account should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to get a XXXX loan for school from XXXX XXXX. They did a hard inquiry on XXXX XXXX and then wanted a co-signer. They were sending me info that was incorrect and someone from XXXX XXXX talked me into doing another application and said it would only be a soft inquiry and would not affect my score. This was only 29 days apart. Immediately on transition my score dropped and there are two educational hard inquiries on my file within 30 days. I know this is not correct and they should have only done one hard inquiry. I contacted XXXX XXXX and they put it off on TransUnion. I contacted TransUnion and they said XXXX XXXX has to send something. I want this inquiry into off my credit report. Please help me as neither agency will do what they are supposed to do.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX GLS - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts
Product: Debt collection

I received this message today at XXXX XXXX Pacific time : This is a message is intended for my name is XXXX with XXXX XXXX contacting you regarding your file that was placed on my desk as a direct refusal to pay this is the last attempt to reach you and work with you on a voluntary basis you do have till XXXX XXXX Eastern time today to return the ________ event that I do not hear back from your power will be submitted out for XXXX further action XXXX I have no idea who this company is, what is that they are trying to collect, obviously I couldnt refuse to pay if I do not know what is the debt they are claiming.
Product: Credit reporting or other personal consumer reports

Please see the attached notarized and dated affidavit supporting my claim of inaccurate reporting on XXXX student loan accounts listed on my credit report. The accounts in question are as follows : DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) The reported XXXX late payments on these accounts are inaccurate. During the dates you are reporting as late, my loans were in deferment. XXXX, the servicer, has already confirmed that I was never late on these accounts. Furthermore, I was part of a class action lawsuit filed against XXXX in XXXX for abusive and predatory practices. As a result of the lawsuit, XXXX agreed to delete inaccurate information, yet these errors persist on my credit report in XXXX. 

I am requesting that these accounts be immediately updated to reflect the correct status : paid as agreed, never late. Failure to resolve this matter promptly will leave me with no choice but to take further legal action to enforce my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX ( the consumer, not a third party ), demand that Experian cease and desist from reporting these inaccurate accounts. Unless Experian can produce evidence point by point, sworn under penalty of perjury, signed by 2 witnesses, and notarized they are ignoring FDCPA. In Experian 's most recent response they state the following, " Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. '' According to Federal Law, the burden of proof is on the credit reporting agency, not the consumer. Experian then goes on to state, " If you question the results of our dispute process, you may also contact the furnisher of information directly. " Please take notice that this is a criminal investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States criminal laws. Experians claim of the purported debts appear to be founded upon false records in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 471, 472, 473 and/or 513. Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. Remove the accounts.
Product: Checking or savings account

On XX/XX/XXXX I filed a complaint against sofi Bank for a XXXX XXXX fraudulent charge through XXXX  XXXX  they replied to CFPB with a lying letters saying they did a charge back on XX/XX/XXXX causing yall to close case they never sent me letter but they did reply no charge back took place and supposedly still investigating my you they didn't start reviewing my dispute until I contacted cfpb
Product: Consumer Loan

Mitsubishi is reporting me late on  XXXX  and  XXXX   2017 but I tr aded this car in and got a new loan with  XXXX   XXXX . This is hurting my credit and am asking for these late payments to be removed.
Product: Credit card or prepaid card

I received a gift card on XX/XX/XXXX at my retirement party but when I went to use it I was not able to use the card as it said there was a card error. I contacted customer service from the bank card : MasterCard/USBank. They wanted me to fax them a copy of my driver 's license and other information. I told them that the card was a gift card and I was uncomfortable with this but after talking with XXXX XXXX, the supervisor ( badge # XXXX ) she said that this was the only way they could help me. 
I went to the local branch office ( XXXX XXXX, CA ) and they were very helpful. XXXX, the assistant Branch Manager. He helped me to get the information I needed. He discovered that the card had been used at a XXXX  in XXXX on XX/XX/2018. I talked to the Dispute Resolutions Department as part of Bank and Risk Operations and faxed them a form that they requested from the Bank Branch on XX/XX/2018. 
On XX/XX/2018 I received a letter from this Dispute resolution department from USBank that was sent from XXXX XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/2018. There was no phone number to call so I called customer service who would not give me a direct number. I was put on hold for almost and hour before someone came back on the line to tell me he had to get a form to call me back in 24 hours. I did not continue the call at this point..