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

In XXXX and XXXX, 2020, I filed a series of disputes against XXXX XXXX XXXX University for attempting to damage my credit over _federal_ loans that are currently in deferment. Although Experian has made improper conclusions about the University 's extortion attempt, as I previously complained to the Bureau about it, Experian removed the derogatory item. In addition to helping the University commit a RICO conspiracy, having already resolved the XXXX XXXX XXXX matter back in XXXX, Experian opened the dispute without my consent. This behavior also follows my more recent complaints against Experian on the issue of excessive disputes made without my consent, for which waiting the legallyrequired sixty days for Experian to address only legalized obstruction of justice ; I could not send them a cease an desist letter before this latest offense, which the XXXX allows to go unpunished with the sixtyday requirement. For some reason, both XXXX XXXX XXXX and Experian insist despite the latter 's action against the former by undoing their damage to my credit to the point of laying the foundation for a maliciousprosecution suit, and obstructing the same with ongoing actions in SLAPPlike manner that their lies about thr status of my XXXX XXXX loans in deferment are true.
Product: Debt or credit management

I went into a payment agreement with the debt collection agency FBCS , Inc. The agreement was that they would automatically withdraw {$100.00} from my bank account on the first of each month until my {$1700.00} debt was paid off. I tried to contact them multiple times in XXXX to make my payment early so that I could handle other financial obligations after. No answer, no call back, no email back. I tried to contact them again in XXXX to ask for a few day extension on my payment. No answer, no call back, no email back. I tried to contact them in XXXX to see what was going on. Same thing. XXXX payment has not been taken out of my bank account. They are not holding up their end of the payment arrangement and the lack of communication makes me very uncomfortable considering they have all of my financial information. I would like to get this debt transferred to another agency.
Product: Payday loan, title loan, personal loan, or advance loan

I'm currently homeless and having financial hardship my girlfriend recently passed away my girlfriend had affirm stuff in my name I called multiple times explaining my situation I payed most of it XXXX dollars it I owe they report me to the credit Bureau and I told them I am going to pay it now my credit score mess up for me to get a apartment my credit score was in the XXXX the company name is Affirm I'm currently on XXXX XXXX I barely have money my credit score is all i have only thing on my credit history mess up is Affirm i had a perfect payment history on my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XXXX and experian is reporting XXXX   XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit
Product: Credit card or prepaid card

On XX/XX/XXXX my wife, XXXX XXXX did a debt consolidation loan in the amount of {$25000.00}. XXXX XXXX approve the loan disbursed all the funds to seven or eight credit cards including to a capital one account ending in XXXX for {$2600.00}, in the same week, another loan was processed for the exact same amount, and again all the loans. All the money was disbursed. And again account ending in XXXX was given another {$2600.00} thats two {$2600.00} payments within one week time that same week we canceled one of the loans which was the first one so the XX/XX/XXXX payment of {$2600.00} was supposed to go back to XXXX XXXX that payment has never been received by XXXX. It is XX/XX/XXXX. We have transaction numbers we have letters from the bank stating that they sent it back but it has never been received capital one can not verify that they have received the funds, and XXXX can not verify that they receive the funds, nobody can find the {$2600.00} is missing the account was paid in full so there was a {$2600.00} credit and if they were to send the funds back and there wouldve been a XXXX balance complete XXXX balance still hasnt been received
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX US DEPT ED , Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$340.00}
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unfair reporting on my credit report by Sheffield Financial regarding my account ( # XXXX ). 

This account involves an asset ( XXXX XXXX  ) that was stolen and never recovered. Despite losing possession of the asset, I continued making payments on the loan for over a year while the XXXXXXXX XXXX Department conducted an investigation. 

When the criminal responsible was apprehended, the State Attorney 's Office informed me that restitution would be paid to Sheffield Financial as part of the legal process. Based on this communication, I paused payments temporarily, assuming the restitution process would resolve the balance. However, due to delays in the restitution process, my account was reported as 30 days late and later as 60 days late. 

Once I realized the restitution delays were impacting my credit score, I promptly settled the account with Sheffield Financial and brought it current. Despite my efforts, Sheffield Financial continues to report the late payment statuses to the credit bureaus, which has caused significant damage to my credit score. 

Prior to this situation, I had an XXXX credit score and had never missed a payment on any of my accounts. This inaccurate reporting has caused my credit score to drop to XXXX, solely due to this account. As a result, I am now disqualified from obtaining favorable terms for a mortgage and have been forced to put my plans to purchase a home on hold. 

Given the extraordinary circumstances surrounding this accountspecifically the theft of the motorcycle, the year-long investigation, and delays in restitution caused by the legal processI believe Sheffield Financial 's refusal to update the reporting is unfair and unjust.
Product: Debt collection

This company is reporting several items on my credit report and I have no idea what they are. I sent a request for information and have not received anything. I do n't even know what these are or where they originated and so forth.
Product: Debt collection

I had an outstanding medical bill to XXXX ( XXXX ) which I paid. I am continuously receiving harassing phone calls during work hours and after work hours from TransWorld Systems ( XXXX ) a debt collection agency hired by XXXX. Transworld is also constantly sending me mail as well and now they are adding on interest fees. I have explained to TransWorld on several occasions that this has been paid and have given them the date it was paid. I also told them it was paid through the XXXX website as well and that I had a confirmation number for the payment. They continue to contact me. Today I called XXXX, I first spoke with XXXX who told me that there was no balance on my account, this I know, so I explained to her what has been happening and she said I needed to speak with XXXX and transferred me to her. I explained to XXXX what has been going on and that I have told TransWorld several times that this bill has been paid in full yet they continue to harass me. XXXX hung up on me, apparently this was her professional solution.
Product: Debt collection

Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax, XXXX, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to Equifax, XXXX, and XXXX. The problem that I am having is, Equifax, XXXX, and XXXX, still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's Equifax, XXXX, and XXXX  responsibility to correct the problem and Equifax, XXXX, and XXXX  says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered several fraudulent accounts on my credit report, which I did not authorize or apply for Equifax has removed some but not all. These accounts have no merit and are the result of identity theft. They include : A XXXX XXXX XXXX XXXX loan with a balance of {$34000.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$9900.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$1400.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$260.00}. 
Another XXXX XXXX credit card ending in XXXX, with a balance of {$420.00}. 

Despite my repeated efforts to resolve this issue, including filing an FTC Identity Theft Report and disputing these accounts directly with the creditors and credit reporting agencies, the fraudulent accounts remain on my credit report. I have reported Equifax to the Office of the Attorney General ( OAG ), the California Department of Financial Protection and Innovation ( DFPI ), and the Federal Trade Commission ( FTC ) for failing to address the harm being done to me under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that fraudulent accounts must be promptly investigated and removed. I request immediate action to have all these fraudulent accounts permanently removed from my credit report. Additionally, I ask that the companies involved comply with their legal obligations under the FCRA to resolve this matter swiftly and ensure no further harm is done to my credit profile.
Product: Credit reporting or other personal consumer reports

I have filed several disputes with all three of the major credit bureau, XXXX, Experian and XXXX. they remove the collection reports from my credit report, but a few mouths after that, they allowed the same illegal and banded collection agencies refile these false reports.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Discover credit card. On XX/XX/XXXX, Discover sent me a letter stating they were unable to approve my request due to an extended fraud alert on my consumer report. I called them to verify my identity and they told me I would need to take care of the fraud alert and then call back. I took care of it and called back. I was told by a customer service rep that I would have to reapply again. I asked would that result in another hard inquiry. She said yes. I told her that didn't sound right but that I would reapply. When I reapplied, I was denied again and this time the reason was there was an application already in progress or was recently processed. I sent an adverse action letter to Discover two times and never heard back from them. They will probably say that too much time has lapsed since the application was made but that is not on me. I did my due diligence in writing them to rectify the matter and they never responded.
Product: Credit card or prepaid card

On XX/XX/XXXX, I telephoned Citibank customer service department via telephone and asked if I could pay off a Citi Flex Pay plan number XXXX that was accruing a monthly service fee of {$2.00}. I am not sure what happened and/or how the monthly fee came about, but rather than argue the point, I simply asked to pay the entire amount owing on that plan in full, which I did. The amount owing on that day was {$410.00} and their customer service representative took my payment over the telephone and assured me that it would apply in full toward the Flex Plan number XXXX. It should be noted that the payment was extra above any minimum payment due as of that date. 

On XX/XX/XXXX, I noticed that the balance of Flex Plan number XXXX had only decreased down to {$380.00} and the rest of my payment from XX/XX/XXXX had been spread across the balances of other flex pay plans on my account. I telephoned Citibank customer service team again at XXXX XXXX and was told that an error had been made by the first customer service representative, but my request would be honored since that was the agreement when I made the payment. 

Today, I noticed that the Flex Pan number XXXX still has a balance and made another call to the Citibank customer service team. During that conversation today, I spoke with supervisor XXXX with an ID of XXXX, who told me that the payment I made WILL NOT be used to pay the Flex Plan I had requested be paid in full. He then hung up on me! 

It should be noted that the supervisor for Citibank also stated that payments made by me apply first to late fees and interest, then to balances with lower APR. I believe that is a violation of the Fair Payment Allocation provision of the Credit Card Act of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account appearing on my credit with Midland Credit. To my knowledge I am totally unaware of this debt and was not notified of such. I have been in contact with Midland, who is having a difficult time locating my information such as my name, address, dob & social. However, I am told to pay a debt that cant be validated.
Product: Credit reporting or other personal consumer reports

THESE ACCONTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Before I begin with the issues, I do want to make reference that the name that they have the debt under for me is my prior married name, XXXX XXXX, not XXXX XXXX. 

There are multiple issues with this debt collector. The first is that they are unwilling to provide me with verification and validation of the debt. The only documentation that they can provide is a letter from themselves stating the balance that I owe. I do not remember taking out the debt and they can not provide me with contact information for the company that they are attempting to collect he debt for so that I can validate that it is legitimate. They will not provide me with the date that the loan was originated so that I can verify that funds went into my bank and confirm who the loan was taking out with. They can not give me the original contract for the debt that I signed. They ca n't confirm anything. 

The second complaint, is that they call themselves a mediation firm and the collectors that answer the phone reference themselves as Inspectors as though they are part of law enforcement. Specifically XXXX XXXX XXXX XXXX x XXXX. I have been receiving phone calls now since prior the middle of XXXX, where after I request documentation or to speak with someone higher up, they hang the phone up on me. I have been told that I am going to go to jail if I do not pay the debt owed. Since I am not complying, court paperwork has been filed and that I will be served paperwork to show up in court. They have told me over and over that since I did not take the offer provided and make good on the debt that I owe through our conversation that I was being pursued for Fraud and some sort of Money Evasion, I can not remember the legal term that they used. 

Third, they claimed that they traced the IP address that I took the loan from and were able to validate the home address where I took the loan from. However, they could not validate the date that the debt was originated. I do believe that tracking someone 's IP address down is illegal unless you are law enforcement. 

Fourth, I am being contacted by a process server company that is trying to obtain my personal information in order to serve me with paperwork. The same process server is calling my family claiming to be with CHILD SERVICES and they desperately need to get in touch with me in regards to my children and need my home address. Their tactics are fowl.
Product: Debt collection

My husband and I used XXXX to book a vacation through XXXX. We had numerous issues and ended up reporting this charge as fraud after confiding in our bank. We spoke to someone in the fraud department at XXXX XXXX XXXX XXXX and ended up discussing the details. She told me that we most likely would not receive the full amount but she would try her best. 

We initially paid the full amount on XX/XX/2023 for XXXX. The XXXX loan was completely paid off. Then in XXXX, after trying to work with XXXX for 2 months, and not getting anywhere, we reported this charge to our bank. Who then on XX/XX/XXXX, put the full {$6700.00} back onto our account after working with XXXX. We were told that this was our money and that XXXX could not request the money back since this is how much they decided to refund us. 

Fast forward to XXXX, I received a phone call from a collection 's agency stating that we owed XXXX money and it wasn't paid, so now we are in collections. I told the collection 's agency our situation and they stated they would send this case back to XXXX  to review. I have not received ONE phone call from XXXX asking for payment for my loan. I am confused why it was sent to collections in the first place since this scenario was cleared with XXXX and XXXX XXXX XXXX XXXX. 

My husband and I went to apply for a business loan for our small family-owned business today and were denied since this claim has now negatively affected my credit. I need this cleared up with the credit bureau ASAP. 

XXXX is now requesting evidence of fraud when this was discussed with XXXX XXXX in XXXX of 2023. Why would XXXX disperse the money back to us without checking into the situation first? XXXX sent our bank the money to pay us back. See the amounts attached with dates. It has been a year and this should have been resolved and never been an issue. 

I have used XXXX  for many large purchases and have paid them off in FULL and I do not appreciate the lack of communication on XXXX  's end. 

My husband and I are now in collections with another agency, TrueAccord Corp, who we have sent the SAME information and dispute letter from XXXX XXXX. We thought this was resolved and now this is really affecting our credit for our business.
Product: Payday loan, title loan, or personal loan

They have violated federal law regarding my personal loan with them and are unresponsive in working with me to address this predatory loan scam. I have called, mailed and other actions in order to get them to cancel my loan based on TILA, FTC, and EFTA laws that were broken by them. I have CALLED, EMAILED and EVEN SENT CERTIFIED MAIL TO ALL OF THEIR CORPORATE OFFICES to resolve this issue with no luck. 

This company has been violating the FDIC enforcement order of unfair and deceptive practices as seen here https : XXXX
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

I receive repeated calls from CashNetUSA. CashNetUSA called me XXXX times yesterday. XXXX  in a row! I also have received calls more than 3 times daily from these people. Im being harassed and plan to sue.