23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with XXXX to correct information on my credit regarding a collections account. As of today, the only thing XXXX has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my XXXX credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the XXXX XXXX receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that XXXX is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant XXXX do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collector-Midland XXXX XXXX XXXX XXXX XXXX they are a bunch of crooks. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks
Product: Vehicle loan or lease

Nissan has reported me 30 days late to the credit bureaus when I in fact did not pay 30 days late. My most recent statement said my bill was due on XX/XX/XXXX and I paid on XX/XX/XXXX. 

My XXXX payment was partially paid due to a lump sum payment earlier. When I logged in to pay the balance in XXXX I was unable to get access to the website and the company was closed. I then went to pay again on XX/XX/XXXX realizing I had missed the XXXX payment but the website said it was due XX/XX/XXXX and I made the payment right away on XX/XX/XXXX. It did not debit my until XX/XX/XXXX and on the same day I received a notification from the credit bureau that there was a late reporting. I have had this account for over 8 years and have never once paid late. I asked the company why they did not call and they claim that they did but their number shows up as spam. If they know that the number shows up as spam they should leave a message so the borrow knows who is calling. In this day and age we live in it can be very dangerous to answer or callback a spam phone number. Had they left a message, I would have known it was a legitimate call and made the payment earlier. 

This is very unfair that I have paid before my account is over 30 days past due and they are still reporting me as such. Even when trying to pay on the XXXX I had to make multiple attempts to login to the website and eventually change my username and password. There was no communication that an update was being made to the website and I wouldn't be able to seamlessly make my payment.
Product: Credit card

I purchased items on XX/XX/XXXX, in the amount of {$400.00}. 
The merchant could not fufill the entire order and returned {$40.00}. 
I recieved the items approximately XX/XX/XXXX. 
Merchant policy is 1 month to ship items back. 
I contacted the merchant XX/XX/XXXX to discuss return process. 
Items were returned XX/XX/XXXX. 
Merchant then closed the ticket XX/XX/XXXX, and stated if further action is needed to contact my bank. The matter is closed with them. 

After some time, I noticed I had still not recieved my refund so I began the dispute with my Credit Card company. The exact date of first dispute is unknown, but the first fax confirmation I have regarding the dispute with my Credit Card company is XX/XX/XXXX. Meaning this dispute has continued for at least 5 months. I have provided shipping details, as well as conversation with the merchant that the ticket has been closed. The Credit Card company is now telling me it's been too long, even though I have been disputing this monthly since early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rate genius I have two vehicle ones a motorcycle in the rate I was paying {$490.00} they were often they could lower my payment a month. They told him was my car when his clearly says on my credit report, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 
I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.
Product: Payday loan, title loan, or personal loan

The issued resulted with the Hunting National Bank during the period of XX/XX/2020 in relation to the final pay of the vehicle loan I had with the bank. 

1. The monthly not for the loan was {$270.00} which was always paid on time for the duration of the loan of 60-months. 
2. There were allowed by the bank upon two separate occasions during the XXXX periods ( 2 ), and accepted by me that the monthly notes would be delayed until the end of the loan ... with the appropriate interest charged at the time pf final pay. 
3. There was a remaining payoff of {$650.00} to be paid that would completely pay off the loan balance. This amount was agreed by the customer service agent to be paid ( in split ) amounts ; however, according to the agent there would need to be a late charge fee of {$35.00} applied which the agent agreed to be waived if both payments were made on time as agreed. 
4. The first payment was made on XXXX XXXX, 2020, the second was made on XXXX XXXX, 2020. Both had been made on time that should have commensurated the term of the loan including the additional interest charged for the extension. However, several days following the final payment to the loan I received an alert from my credit score that my score had changed by XXXX point ( negatively ). Upon inquiring, it was determined that the cause was due to a late payment to the Huntington Bank because of a late feed not paid. When I inquired to the bank as to why, I was apologetically told that the action should not have been reported and that the bank had no means of changing their reporting to the credit bureau and that I would need to file a formal complaint in order to get the matter corrected. Prior to this matter I had no negatives in my credit report from either of the three reporting bureaus. I am seeking to have this removed from my record an my formal score restored, Thank you for your consideration and assistance in getting this corrected. 

I Remain in Sincere Regards, XXXX XXXX XXXX email : XXXX The issue resulte
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

About 6 months ago, Identity works was assigned to me due to several data breaches who sent me a membership for it. 

I called every creditor Ive disputed on a XXXX way, recorded call with XXXX XXXX. Afterwords she submitted disputes with her notes. I said they wont read them, nothing will happen. 

She advised me that if nothing happens, I am in a one party consent state and the calls were recorded. I should subpeona the calls if I cant get them myself, and sue Experian. She didnt work there any more by our following werks scheduled follow up. 

Ive been requesting those phone recordings, and had an attorney ive been working with from consumerattorneys.com reach out to let them know he plans on to subpoena those recordings and attempted to get through the automated voice attendant they have. Which is not possible sometimes. But he did and was told theyll be mailed first. Then that a real way to send them would happen. 

I am still requesting those recordings XXXX months later. 


Those disputes also were oaid no attention at all. 

Also, while uploading a couple of emails between XXXX and I, of course it isnt possible to look at anything Experian was reporting 8 months ago and see hege differences in that and what they are reporting today. 
The affirm screen shots, which Ive provided a bank statement from another merchant that sent it to prove that they did refund Affirm once I found about it, all said I opened the account this year. But theyve been reporting it, and then updating it as if it was new and just reported every month since. 
These say XXXX. A week before the dat it was in the screen shot. They had been reporting that the refunded money from XXXX who sent a bank statement to prove it since XX/XX/XXXX. Oh, and the refund was granted and processed according to XXXX XXXX  records on XX/XX/XXXX. So there osnt a debt to havebeen " verified '' by experian 's " sham investigation, '' to begin with. 

I also now remember the kohls nonsense who was part of the three way calls, and cleared any debt I had. I actually just got an update to terms and conditions yesterday for my card with them I dont know of many stores that only reach out when somebody is XXXX in default and written off only once a year when a variable rate adjusts for all cardholders ... ( Attached )
Product: Debt collection

I received a debt collection letter from One Advantage , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( phone # XXXX ) with my name but a different person 's name in the Account Name field. It says that the Creditor is XXXX XXXX XXXX ( M ) and that it's for a date of service of XX/XX/XXXX for {$110.00}. We don't live in Missouri or do business in Missouri. It states nothing of what the debt is for and states that I have been placed in collections. I tried calling within their regular business hours immediately upon my receipt of the notice in the mail ( XX/XX/XXXX ) and I was placed on hold with a voice recording that promised to connect me with a person ( the voice recording was in both English and XXXX  ) and then after waiting it automatically switched me to an answering service stating to leave a message. This sounds like an illegitimate business. The message I left on their voice recording is that I was calling to report fraud. When I looked up One Advantage with the XXXX  there were numerous complaints and it said that it's not an accredited business and that it has only been around for 5 years. It also seems predatory because the XXXX  lists One Advantage , LLC with a Florida address for the business and not the Indiana address on my letter. The fact that I haven't received ANYTHING in the mail prior to this from XXXX of Missouri makes me suspicious. Any company is going to try to bill their own debt first before sending it to a collections company. I have not received any bills and have no idea what this debt is for or if it's even legitimate. The information is vague and I feel like it's a scam since the date of service listed is from 3+ years ago and I have no knowledge of what this is. I open and deal with all of the mail for our household and would have seen a bill and addressed it 3 years ago. The letter that I received from One Advantage , LLC on XX/XX/XXXX states that I have 30 days from the date of the letter ( XX/XX/XXXX ) to dispute the charges. I tried calling to do this on XX/XX/XXXX and I am going to mail a letter. My concern is that I can't send a certified letter to a PO Box . So how do I certify that they actually get my written dispute letter within the 30 day window that they require. There is no place to dispute this claim online with the company. In fact, the company web address has another mailing address listed as One Advantage , LLC, XXXX XXXX XXXX, XXXX, IL XXXX.
Product: Student loan

I attended XXXX and graduated. I was told that I would receive my certificate two weeks after my graduation. I waited and received nothing. I called the school and was told that I needed to finish paying my student loan prior to receiving a certificate. My husband has numerous degrees and said that he never had to wait to pay his loans prior to receiving a degree or certificate. Then XXXX closed its doors and went out of business. I still get billed by the company that I received the loan from, however, I have no certificate or promise to receive one from XXXX.
Product: Debt collection

XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for XXXX is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your THE XXXX XXXX XXXX XXXX XXXX Dental account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website https www.spirerecoverysolutions.com Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You XXXX also contact our office at XXXX or chat with us on our website. 

View your secure message in XXXX ways From the XXXX XXXX XXXX XXXX app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that was made with out my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I receive an email from XXXX thanking me for applying for a XXXX XXXX XXXX credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX  account and noticed that XXXXXXXX XXXX XXXX received a copy of my XXXX Credit Report. I have never applied for any XXXX credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this inconsistent off my TransUnion report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted TransUnion on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE TransUnion CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.
Product: Debt collection

I never signed a contract with this company. Im not sure where they came from and it just appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have repeatedly sent the documentation requested to CoreLogic Teletrack to get my report and place a freeze yet they continue to sent me letters requesting documentation. I have also requested to be opt-out.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent inquiries on my report that i not recognize form the following companies : 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 EXPERIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) EXPERIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) EXPERIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIA