23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Affirm.com Affirm Holdings Inc ( XXXX XXXX # XXXX Affirm Holdings , Inc ( XXXX  XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX www.affirm.com I placed an order with XXXX, using Affirm to pay for this item on XX/XX/2024. It has almost been 1 month since placing this order and no items were shipped to me by the XXXX XXXX XXXX. I have filed complaints with XXXX XXXX about not receiving anything for this loan that I am responsible for. XXXX XXXX left my order in processing for almost 1 month. I contacted Affirm telling them why I need to cancel my loan with them due to the fact that I never received my product that the loan was for my item. I emailed and called Affirm to let them know that this loan was cancelled. Affirm has be owing {$88.00} for a loan that was cancelled by XXXX XXXX. 

XXXX XXXX Affirm Virtual Card Your loan is approved but still processing.Its OK! This status just means XXXX is still finalizing your order, which usually takes Status shows as Payment progress Paid to date XXXX  XXXX Cancelled my Order # XXXX Placed XX/XX/2024 at XXXX XXXX PT Affirm loan still shows outstanding balance of loan Remaining {$88.00} * XXXX  XXXX never fulfilled my order, Merchant Processed my Order : XX/XX/2024 Affirm XXXX XXXX Customer Complaints XXXXcomplaints closed in last 3 years XXXXcomplaints closed in last 12 months Complaint filed on Affirm.com XXXX serving the XXXX XXXX XXXX Area and XXXX Coastal California XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX Email this XXXX phone number : ( XXXX ) XXXX ( XXXX ) XXXX Affirm Other Names for this Business & Licenses Affirm , Inc. - NMLS ID # XXXX Affirm Loan Services, LLC - NMSL ID # XXXX Affirm Payments, LLC Affirm Holdings , Inc ( XXXX XXXX XXXX XXXX )
Product: Debt collection

Good Morning, I have disputed with XXXX  and Bull city financial solutions on several occasions since XX/XX/XXXX til the most recent XX/XX/XXXX for a XXXX XXXX XXXX bill. This account was paid in full every month but for some reason Bull city says I owe {$130.00}. I have sent XXXX  my bank statements of the timer and amount in question. I have tried calling Bull city financial solutions and I got no response. I tried sending certified mail to Bull city financial solutions to the address listed and the mail was returned as if the address doesn't exists. Ive been trying to resolve this issue for years and XXXX keeps coming back saying the account is verified. Ive been trying to get in contact with Bull city financial solutions for years and haven't got a single response so I am wondering how XXXX  is verifying this debt. Bull city financial solutions address listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX. Phone number XXXXThank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your the credit bureaus first investigation, They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Item is XXXX XXXX XXXX # XXXX Eastern Account System # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance XXXX {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF ED/XXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached ) on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. 
A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. 

Lately, they have been calling me multiple times, even during weekends ( XXXX 's XXXX ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me one. 
I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my Mariner Fianance account with XXXX XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to Mariner Finance myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX XXXX, and Mariner Finance.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$4900.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after Friday court on XX/XX/XXXX. On my XXXX and TransUnion credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX of XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the XXXX and TransUnion ACTUALLY investigated the matter, which they did not.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX Professional Debt Meditation updated my credit files with inaccurate collection information. Professional Debt Meditation, are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX XXXXXXXX. I have not received any services from Professional Debt Meditation, I am not a party to their agreement with XXXX XXXX XXXXXXXX, I have not agreed to pay/ tender anything to Professional Debt Meditation, I have not provided any releases of my living arrangements to Professional Debt Meditation, and I have no idea how Professional Debt Meditation received my private information. Upon researching this company ; Professional Debt Meditations website where they are requesting payments is not secure, Professional Debt Meditation does not list a point of contact, they have several different addresses reporting to the credit bureaus and multiple phone numbers. I have not received any documentation from Professional Debt Meditation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. As per the XXXX XXXX XXXX : Professional Debt Meditation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. Professional Debt Meditation does not have my permission to contact me by phone. Mail only. My address has been provided on their validation notice CM # XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My present address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX id not my address.
Product: Debt collection

This company has called my employer several times and each time has been given reason to know that my employer does not permit it. They continue to call with various numbers and refuse to state why they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX XXXX. I have been working on my XXXX XXXX for a couple of years now. Paying everything on time, paying off credit cards with low balances. My XXXX XXXX nearly made it to XXXX for the first time in a long time. The company called lending club-used for dental work. Which is another story I dont understand why dental insurance does not cover like regular insurance. XXXX health is just as important as all other health issues. AnywayI opened an account with lending clubnever got a paper bill in the mail. Finally got informed I owed {$1900.00} for partially paying for a {$6000.00} implant, which is insane by the way for ONE tooth. My account went 60 days late and my credit score dumped over XXXX points! This is wrong! I called them and paid some of the payment I was late for and caught up actually today with the remaining {$75.00} to bring the account current. My question is who is policing the credit agencies?!! How can they decide to destroy my credit over being late for two months? 

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

Experian advertising a false birthday year concerning my credit report, example ( XXXX ) but My year of birth is XXXX which is false advertising information concerning ( FCRA ) which is Unfair as a creditor.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a fraudulent BEST BUY/CBNA credit card account showed up on my Equifax credit report. That was after I had put a credit freeze on my account with Equifax on XX/XX/year>. It stated the account was opened on XX/XX/year>. According to equifax it was opened in XXXX SOUTH CORPORATE PLACE XXXX XXXX, SD, XXXX XXXX. On XX/XX/year>, after trying to call the credit card companies to have this fraudulent account removed from my credit report, they are saying my Social Security is not linked to any account with them. I was added to the fraudulent credit card account as an authorized user, so Im not the primary holder of the fraudulent account that the person opened, therefore I do not have anyway of getting any account information removed from my SSN # at all. After the credit Card company wasnt able to locate up the fraudulent account I disputed it with Equifax on XX/XX/year>, the report for the dispute came back on XX/XX/year> and Equifax is stating that the account is verified and accurate. The account was open fraudulently and I have no access to it. This fraudulent account needs to get removed from my Equifax credit report as it is not mine.
Product: Credit card or prepaid card

I received the following email from American express on XX/XX/XXXX. 

" We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I called multiple times to find out what exactly I did only to be told I would receive a detailed letter in the mail but I never did receive any letter. 

I had about 5 credit cards with American express ( business and personal ) and I always paid in full and on time with no issues since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   )  for {$230.00} was disputed and removed off my  XXXX  credit report on  XXXX / XXXX /   2017  however the credits bureaus has not removed the collection off my report like it 's suppose to be
Product: Credit card or prepaid card

On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.
Product: Debt collection

On XX/XX/2022, XXXX XXXX from XXXX XXXX XXXX called my work phone and left a threating message on my voicemail which is attached below. Per XXXX XXXX XXXXXXXX " Harassment and Call Restrictions Debt collectors can not harass or abuse you. They can not swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also can not make repeated calls over a short period to annoy or harass you. '' After speaking with XXXX XXXX, I advised him that he threatened me on my work voicemail which is not a legal tactic and told him to never call my work line again. He the threatened me once again and said " I don't care of your embarrassed like I said have your boss or owner available to be served at your work location. '' After being extremely emotional, distraught, embarrassed, and traumatized at work he advised me that I would settle the XXXX debt, however when he sent me over the paperwork it had the incorrect amount listed. 

I emailed several times... 
Email thread below ... From : XXXX fam XXXX Sent : Thursday, XX/XX/2022 XXXX PM To : R XXXX XXXX Subject : Fwd : Payment Plan letter for # XXXX Good afternoon,, I spoke with XXXX today and the agreement was not based on the XXXX it was based on the $ XXXX amount. 

Please see below and refer to the phone conversation. I am requesting that my agreement is revised based on the information provided as agreed upon in the phone conversation. I asked him to provide me that in writing beforehand and he refused and then changed the amount in the agreement. I also requested that he provided me the documentation regarding the auction of the vehicle so I can confirm payments have been applied. Please provide me the agreed upon agreement A.S.A.P. Thanks in advance for your assistance. 

XXXX XXXX corrected the amount and sent over a new agreement, also attached below. After making a few payments I noticed that the account reflected incorrectly. 

Email below... XXXX fam XXXX Attachments XX/XX/2022, XXXX AM to R ... Can someone also please correct this? This amount is incorrect on the payment site. I appreciate your help with this. 

Response ... R XXXX XXXX Sat, XX/XX/XXXX, XXXX AM to me The website doesnt reflect reduced payoffs. Settlements can only be dont through the banking department. As you make payments the balance will get reduced and manual letters will get sent out. Thats what the disclosure means under the account information. XXXX XXXX XXXX The amounts are still not correct, and the additional payments were added which was not agreed upon, and then decline notices were sent out. Also attached, XXXX XXXX, called me once again at my work on XX/XX/2022 and advised that he is closing my account simply because he wanted a card on file. However, XXXX XXXX his manager advised me that I can make payments online. After several threatening phone calls, incorrect amounts, and additional payments added not authorized. I'm requesting that my account is paid in full and deleted from all 3 credit bureaus. Documentation is attached below.
Product: Student loan

I've called on numerous occasion to get details on getting my loan discharged due to the misrepresentation/deceit/fraudulent activities from XXXX XXXX who faced massive lawsuits and {>= $1,000,000} settlement in response to their violations for committing illegal behaviors. I'm totally aware that I'm not the only person who was impacted by XXXX XXXX deceptive marketing practices, there are thousands of other students just like me whom need assistance too. XXXX XXXX violated some Federal, State or Local Laws directly against me, by lying to me, making false promises, and committed fraud. I attended there in XXXX I told them I wasn't being hired on the program I attended, I was told I needed to get under another program in order to obtain the correct job. I exhausted my Military G.I. Bill in hopes of a better of life. Even after the government discharged federal student loans and found XXXX XXXX guilty of fraud. I'm still continue making payments to Navient. I would like these loans discharged. In XX/XX/2020, CFPB reached another settlement, requiring XXXX to forgive {$330.00} XXXX in outstanding student loan balances. In total, XXXX XXXX has erased more than {$500.00} XXXX in private student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Equifax to inquire about my investigation. Due to an unsatisfactory response provided by supervisor XXXX, I asked the representative for a number to his manager supervisor XXXX provided a fake # to claiming that this number was to his manager XXXX. The number is XXXX. I was unable to reach anyone at that number. 

XX/XX/XXXX I called Equifax to inquire about my investigation. The agent claimed that their system was down, and he could not provide any service. This exact excuse was provided to me on XX/XX/XXXX when I called. The agent then proceeded to hang up on me while I was talking halfway. This has also happened twice - hence I believe that this is not an " unintentional '' incident.
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. 


I told Experian, to reinvestigate these accounts : XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.