23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon I am reaching out because I had Debt with a school online. The money that was old it was due to me being on medical leave unpaid.. I reached out to the company multiple times explaining to them what was going on with me financially in explaining to them that I will be returning to work in XXXX I left for medical leave in XXXX so I was out for about 10 months and at the time I was giving them XXXX XXXX monthly, but I was no longer able to continue that payment and agreement due to not working and not receiving any other source of income.. I stayed in contact with the company regarding my situation, but they still sold that debt to XXXX XXXX XXXX who is now calling me constantly repeatedly even though Ive asked them not to contact me. They contact me on different phone numbers indoor in different time of the day its an extreme inconvenience. I I stayed in contact with the company regarding my situation, but they still sold that debt to assurance debt collection who is now calling me constantly repeatedly even though Ive asked them not to contact me. They contact me on different phone numbers indoor in different time of the day its a extreme inconvenience. I contact the school again and I asked them what would be the best way to resolve the situation they told me a number I could pay them, which was around XXXX and some dollars in order to be in a good standing with the school to return to school. Now with this agreement, Im still receiving phone calls from the debt collection even though I asked the schools financial aid counselor if I paid them with that debt collection company stop the calls in order to collect from the same debt. At this point, I dont know what to do because I do not want to pay the {$600.00} to the school and still have to pay a certain percentage to the debt collectors. I did not have any awareness that that would be sold to a debt collection company. I stayed in communication with the school and was not once told that the debt was being sold or that I would not be able to continue schooling once I return back to work until the debt was paid in full
Product: Money transfer, virtual currency, or money service

In regards to : First Data Corporation ; XXXX XXXX XXXX XXXX, XXXX is a registered ISO of XXXX XXXX XXXX, XXXX, XXXX, CA ; XXXX XXXX XXXX, XXXX XXXX, NY ; and XXXX XXXX, XXXX, AL. Review First Datas Legal Policy. 

This company processes the credit card payments for all of my customers. I have a dance school and I charge my customers monthly per their classes. It has been over one month that First Data Corp has frozen my money in which they now have explained there was a red flag payments they collected and wanted an explanation. In which I explained to the lady named XXXX XXXX that my students/customers leave their cards on file in which we have authorization in writing from each of them authorizing each charge and to leave their cards on file. First Data Corp has told me that their affiliated/referred company which is the software company that I use has registered my account as not allowing for credit cards to be hold on file. 

I need for someone to please investigate this issue because all they tell me is that their company is the biggest in the country for credit card processing but half of the time they don't give me a correct explanation. I have around {$8000.00} - {$9000.00} frozen and have to use my savings account to make sure my XXXX  can get paid this month. 

This is very frustrating as I am a XXXX  XXXX XXXX XXXX that I have to deal with this credit card processing company not trying to solve or work with what needs to be done so I can have my money that my XXXX paid me.
Product: Credit reporting or other personal consumer reports

I have attempted to contact all 3 credit bureaus in regards to the following accounts : The account associated with the name DOE XXXX and displayed account number XXXX and DOE XXXX XXXX XXXX and DOE XXXX XXXX XXXXon my report lacks sufficient evidence to establish its accuracy, completeness, and compliance with certifiable reporting standards. It is crucial to acknowledge that XXXX ( Credit Reporting Agency ) has either suggested or explicitly stated that any deviation from the law or established industry standards renders a claim deficient, necessitating the removal of such claims from reporting until their lawful compliance with all reporting requirements is substantiated. This course of action shall be implemented regardless of any potential misapplication, willful ignorance, or reckless negligence on your part concerning your reporting practices and claims. Therefore, it is essential to take note of any deviations, including but not limited to the following issues, as valid grounds for the appropriate removal of the claim 's reportability.

also my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX of months reported are reporting incorrectly - Your actions are in violation of FCRA Laws and XXXX  Standards. I insist that you remove this erroneous information.

I was told that my information seemed ad fraud when I sent in 3 forms of iD, my Drivers License, W2 for proof of address and my social Security card
Product: Credit reporting, credit repair services, or other personal consumer reports

Source, XXXX XXXX Account # XXXX This company is in violation of my rights and this account should be removed immediately XXXX XXXX XXXX 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 an account without my written instructions. 

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this accountXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My parents live in XXXX, XXXX and have an unlisted phone number, as do I. They were contacted today by an outsourced company that sounded like it was from the XXXX asking how to contact me. They contacted me minutes later, telling me that I was to receive a legal document in the mail, and they could not tell me anything more, but I needed to call XXXX XXXX, and they gave me a Complaint # XXXX. The phone number the call came from is XXXX. 
When I called the number a man answered and said it was a law firm and transferred me to someone himself as a paralegal. When I asked him how he got the unlisted numbers of my parents and I, he said they had resources for getting in touch with Defendents who were about to be served with court papers. 
He then told me he was with XXXX XXXX XXXX, and that a XXXX Captial debt from over 15 years ago ( Sam 's Club Credit Card ) for {$2400.00} that had been XXXX in a Chapter XXXX Bankruptcy in the XXXX XXXX XXXX XXXX, WI. about 13 years ago was still owed, and with interest had now grown to {$6400.00}. 
I explained to him about the Chapter XXXX Bankruptcy, but he said that he did not care and I would be receiving a court summons in the mail tomorrow. 
I see a lot of people have posted on the internet about be a victim of the same scam from XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2020 an account from ic system inc showed up on my credit report as a new account just opened and is reported monthly as past due on my credit they are declared as a collection for XXXX  however I have never had XXXX  i did not open an account with anyone in XX/XX/2020 and I have disputed this on my credit and requested proof of this account and am never provided proof of this account a itemization of charges and proof of ownership besides the fact that it is reporting monthly as a new account this is effecting my credit and my ability to purchase a home for my family
Product: Credit card

I applied for a WalMart credit card last holiday season after an offer I received in the mail. No big deal I thought but this card is single handedly ruining my credit health ( score ) and taking fees month after the month. I make most of my bill payments online and often the Wal Mart credit card website is not functioning properly. Therefore I can not make a payment as I want, when I want, when I can. I then would either have to mail or locate a store and pay it there which can be a hassle. Month after month I am getting hit with late charges and being reported to credit bureaus. I just want to get this account in good standing and have all the negative reporting removed so it does n't ruin my life anymore than it already has. Please if possible, from a loyal customer to you, please Walmart ( Synchrony Bank ) waive all late fees assessed and remove all negative reporting and I will sign up for automatic payments today to prevent any issues going forward. The balance is approximately {$1000.00}. and {$300.00} are late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports. On all the reports it shows I have negative and a late account with Ed Financial. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX  and XXXX. All came back verified. I called Ed Financial, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Product: Credit card

At the beginning of the year I received a bill in the mail from XXXX XXXX XXXX in regards of some changes related to Commenity Sony Card. I contacted Commenity Bank Sony Credit card and I was informed they no longer had my account as this account was sold to XXXX XXXX XXXX. I Asked about the charges and the credit card company was very vague in providing information. I asked to speak with the fraud department and my request was denied. I asked to talk to a supervisor and she informed me the address and phone number of my account were changed. She also stated the charges originally came from a small charge at the end of XXXX of XXXX and they sent statements for XXXX months and sent the account to collections after that. I contacted the credit card reporting agencies XXXX XXXX and XXXX and I filed a dispute on the charges and the address provided by Commenity card with an address in the state of Georgia as this address was published on my credit report. The credit card number with Commenity Sony card is : XXXX XXXX XXXX XXXX. The disputes were denied as Commenity stated they provided accurate information to the credit card reporting agencies, Then I went to the police station to let them know about this situation. I dont understand why Commenity Bank let a third party changed my mailing address and phone number without my consent and I was not aware of this activity going on with this credit card as I never received the statements of these charges. I was not given the opportunity to dispute the charges at all. I am enclosing information from my employer stating I have not lived in the state of Georgia at all. Community Bank is known for charging people with inaccurate charges in the United States. The mailing address for commenity Sony card is : XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Debt collection

Requested validation of debt sometime in XX/XX/2019, received a response on XX/XX/2019. The response was only a print out of services and included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachments below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with TransUnion is XXXX
Product: Credit reporting or other personal consumer reports

I pulled my report and saw some fraudulent hard inquiries on them, and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX 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 XXXX  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. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
C

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

I was a holder of 2 American Express Credit Cards. One was a Blue Cash Credit Card that I had for 23 years, the second a Platinum Card. Last XX/XX/XXXX my sister was involved in a very severed car accident and nearly died. At the time I spent several weeks at the hospital attending to her. When I realized that on the American Express Platinum account which the terms are pay the full balance at the due date, I missed my XXXX payment with American Express and was getting close to the 30 day past due mark, which would affect my credit report. I called the customer service line and I explained the situation that I was involved in, asking for either and extension or a payment plan, as long as I did not have to worry about my credit reporting getting affected, otherwise I could borrow the money from a family member and take care of it. The customer service rep from American Express assured me that my credit report would not get affected and in fact I could schedule payments but to try to pay it as quickly as possible. At the time of the call near the end of XXXX XXXX, my balance was nearly {$4500.00}, I advised to him that I could pay {$1000.00} and break the difference in 2 more payment for the next 60 days, with the undersanding that my credit report would not be affected. He insisted that as a good faith I should make a payment for {$1500.00} and make the second payment a small one of {$500.00} to be in the safe side. and the rest could happen after. I agreed on his proposal and went ahead on scheduling 2 payments over the phone for {$1500.00} around XX/XX/XXXX and {$500.00} on XX/XX/XXXX. the difference would be paid in XX/XX/XXXX. Which I did on XX/XX/XXXX were I paid {$2600.00}. A month later I get notified by a credit report alert that not only American Express hit my account with a 30 day late payment they also hit it with a 60 day late payment causing my credit score to crash. I called at least 5 times during the month of XXXX, spent several hours, escalated the issue to have those late payments removed from my credit report and was assured in each call that they would look for the recordings and get back to me after an investigation but never did. Time after time, the next call was to report that no one from American Express got back to me with the findings of their investigations, and the next call became a new investigation wihtout a resolution. After a year has passed I have called again and their answer was the probably I spoke to customer service representatives located out of the US, and probably they dont understand our laws and that nothing cant be done to over turn the reporting they provided to the credit bureaus. At this time I am reaching out to you to help me try to rectify this injustice about how American Express conducts business and how they mislead their customers into believing that everything will be fine as long as we work together. I need those 2 marks remove from my credit report as it is affecting my chances to secure financing for my first home. Please advise as what do I need to do. Thank you
Product: Checking or savings account

My employer direct deposit is sent to Capital One Bank every 2 weeks and usually arrives a day early. This week my earnings didn't show up in my account. I called the bank and they gave me a vague response saying that they were experiencing issues with their third-party vendor and they have no idea when this issue will be fixed. I explained it have bills to pay and a family to feed. Bills that will impact my credit if not paid on time. They kept saying we apologize but we are asking for our customers to be patient we are experiencing issues with our third-party vendor and we don't know when the issue will be fixed. It still doesn't give me any resolve or date I will receive my money. I can't access my own money this is my livelihood and how I provide for my family. How am I suppose to pay my car note, bills, feed my kids? This is absurd.
Product: Credit reporting or other personal consumer reports

I have submitted dispute letters to all 3 credit reporting bureaus and I dont think that they looked into the claims properly. I sent letters to experian, equifax, and transunion
Product: Mortgage

Supreme Lending is refusing early payment for my XX/XX/XXXX payment since my loan has been transferred. But I can not pay the new service company until XXXX the XXXX. I make early payments to help with the amortization of my loan. Refusing to allow me to submit an early payment guarantees the company will receive additional interest.
Product: Credit reporting

1. Equifax had until XXXX reported I had an XXXX XXXX cc account for XXXX years ( originally opened in XXXX until 41 years later I voluntarily closed it due to lack of use ). In XXXX Equifax dropped all reference to this account and lowered my score from XXXX to XXXX. XXXX and XXXX have had and do report this info correctly. Equifax should check their past records and correct this omission and adjust my credit score. 
2. Equifax also reported my XXXX XXXX XXXX cc as " lost, stolen ''. I phone XXXX XXXX XXXX on XXXX/XXXX/15 to voluntarily cancel cc because I do n't use it. It was never lost nor stolen. Equifax lists this as " derogatory information ''. They can verify the truth by contacting XXXX XXXX XXXX cc. This report statement should be corrected and deleted. XXXX made the same error but have corrected their report. 
3. These XXXX mistakes by Equifax have dropped my credit score from Excellent where I believe it should still be. They need to correct these XXXX major errors asap. 
4. Thank you in advance for assisting me as you have done in the past with credit reporting errors.
Product: Credit reporting or other personal consumer reports

Consumer Disputed a specific account on his Equifax Report XXXX '. However, Equifax opened an investigation involving XXXX Valid accounts on his Equifax report which consist of XXXX valid XXXX XXXX accounts. This accident changed remarks for which led to the decrease in The Consumer 's Equifax score!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the 3 credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX