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

Fraudulent items that I never benefited from remains on my credit report, even though both XXXX and XXXX have already removed it. Despite this, the false and misleading information continues to be reported, which is not only insulting but also damaging to my character. It is extremely distressing to see my rights as a consumer disregarded in this way. I have already reported this issue to the Federal Trade Commission as per TransUnion 's instructions, yet the item still has not been removed. I am requesting immediate action to address this matter and ensure the accuracy of my credit report.
Product: Credit card

XX/XX/XXXX, XXXX credit card was charged {$5800.00} I have been trying to remove this charge since the day it occurred and it is now XX/XX/XXXX. 

I was on the phone with TD Bank WHILE the charge occurred. An email was sent at XXXX XXXX that day that the phone number for security had been changed on my account. I found it at the end of the work day and called them at XXXX XXXX. 

Original dispute request # XXXX was declined, reason given is it is a chip on chip transaction and therefore the card was present. 

Second request # XXXX was auto-declined, reason given is that this was a previously resolved case and duplicate claims are auto-declined. 

Most recent dispute request # XXXX Filed on XX/XX/XXXX. The TD bank representative who filed it stated it was " a shot in the dark '' because it would likely be auto-declined again. 

I called one more time after that and confirmed there is a note from XX/XX/XXXX that a card was printed at the branch that day. The person impersonated me at the TD Bank in XXXX XXXX, changed the online password, created a checking account in my name, changed the phone number on my account, and had a credit card printed. 

They then made a purchase at XXXX {$5800.00}, the charge was cleared by someone at TD Bank in XXXX XXXX WHILE I was on the phone with TD Bank asking about the email. 

I also got a letter from my employer verifying that I was at work that day. I see clients and our system can confirm that I was in appointments at that time.
Product: Payday loan, title loan, or personal loan

I had a emergency my mom passed I needed a loan to help with services and this company I borrowed {$1000.00},, XXXX every two weeks and what ever your balance they added a finance charge of XXXX every time you make a payment so you would be able to pay loan down and I didnt understand this process so on XX/XX/2019 I got laid off my job I ask this company can I please be placed in a payment plan because I dont have income and I dont want anything negative on me so I am asking to be place on a plan they said they dont have a plan and I have to make away and pay the note every two weeks or the finance fee will continue till you 60 days late and it will become a charge off and you  will have a negative impact on your self I couldnt believe they wouldnt help the customer its not my fault that a company laid off the entire department, I am looking and going on interviews I am so stressed trying and hoping I get a job soon, I can not pay these people what they want! All I ask is for a payment plan and my other creditors offered me a payment plan and its so much better till I get back on my feet,, please help this is terrible.
Product: Debt collection

When I vacated a temporary corporate apartment in XXXX XXXX, I closed an XXXX account. I still had XXXX active accounts with XXXX XXXX XXXX and they also had authorization to debit my checking acct for payments and my forwarding address, phone and email information as well. XXXX XXXX XXXX did not debit my acct for the final payment, but rather, mailed a bill to the vacated address instead of the forwarding address they had on file. As a result, I never received the bill. XXXX XXXX XXXX failed to use reasonable means to notify me of the outstanding balance. It is my understanding that they then sold the outstanding balance as a " collection account '' to Diversified Consultants ( DC ). DC failed to use reasonable means to contact me at my current address or phone as well before reporting a collection acct to the credit bureaus ( including XXXX, possibly others ). 
When XXXX notified me of the collection acct, I contacted XXXX XXXX XXXX and paid the balance immediately, on XXXX/XXXX/XXXX. The XXXX XXXX XXXX rep stated that she had located the closed acct easily because it was linked to my current acct, confirmation that they had current contact information that they failed to utilize. The rep acknowledged the error but stated that only DC could remove the collection from my credit report. 
On XXXX/XXXX/XXXX, I spoke with XXXX XXXX at DC, who stated that if XXXX XXXX XXXX authorized them to remove the acct from my credit report, they would do so. On the same date, I spoke with XXXX at XXXX XXXX XXXX ( employee # XXXX ) who said their Accounts Receivable Dept had confirmed that they would notify DC to remove the collection acct from my credit report. She stated twice that the acct would be removed ; not just show a {$0.00} balance. I then called DC back and employee XXXX XXXX assured me that they would remove the collection acct as soon as they received the notification from XXXX XXXX XXXX. 
On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX again and employee XXXX stated that she had other customers to help and would not help me as XXXX XXXX XXXX no longer had authority over the acct once it was sold to DC. I contacted DC again and employee XXXX XXXX stated that they would not remove collection accts from credit reports regardless of the circumstances. 
XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and FCRA by failing to use reasonable means to notify me of the outstanding balance and reporting the balance as a collection acct on my credit report, and refusing to correct the error once it was identified.
Product: Student loan

To whom this may concern, I have tried to address a tuition reimbursement, after I dropped out from a course with XXXX XXXX XXXX XXXX XXXX, due to work constrains back in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX processes the withdrawal and provided copy of the ledger page showing refunded amount of {$3200.00}. Based on information from XXXX XXXX, the original Balance was {$3500.00}, and the loan increased up to {$5700.00} as Principal Balance with {$48.00} Unpaid Interest. I have contacted XXXX XXXX several times to review the loan, and I have not received any phone call or e-mail as response to my inquiry. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Federal Student Aid, and The Department of Education, and I have not been able to find any assistance. I either get a number to call one of the agencies named above, or get hanged up. 

XXXX XXXX has stated that they have not received any proof of refund money from FSA. 
I called FSA at XXXX on XX/XX/XXXX. They also said they have not received proof of the refunded funds. They suggested calling the Department of Education at XXXX. From this line, I was transferred to an automatize system that said to call XXXX. Once I called this number I was told to call XXXX or XXXX or XXXX. At this last number, I was told to call XXXX XXXX at XXXX. 

As you can see, I have been going in circles with not success. Every person I speak, they say that they can not do anything and they keep giving me other numbers to call. 

I will appreciate if you can please provide any information to conclude this issue. 

I can provide copy of the Ledger Card and 1098T forms provided by XXXX XXXX XXXX XXXX XXXX, as well as e-mails. 

On XX/XX/XXXX, I filed for forbearance as I became unemployed. As I found myself with more time to review my financial responsibilities, I found out that I was making payments on a loan that is charging interest over interests, and a loan that was supposed to be canceled. 

I will appreciate any assistance you may be able to provide.
Product: Payday loan, title loan, or personal loan

I took out a XXXX XXXX loan and afterwards lost my job and accrued serious medical bills from a XXXX XXXX. I 've paid off over half the loan but am unable to pay the rest right now. Advance Financial calls me from different phone numbers upwards of 15-20 times a day starting around XXXX XXXX central time. Also In the process of making automated withdrawals from my account they over drew my account. I did agree to automatic withdrawal but the fact they caused overdraft fees is very upsetting.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Experian?

When was the dispute sent to the original information furnisher?

When did Experian receive a response from the original information furnisher?

What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Experian is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the judge ruled that Experian violated the Fair Credit Reporting Act by failing to compare evidence. Experian has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 


XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

During XX/XX/2019 through XX/XX/2019 the company and I agreed on a court ordered document about the terms of the payment plan via email. This document has all the terms and amounts that were to be paid. It has been 3 years since this agreement has been signed and sent to the company for the Judge to honor. The company was recently contacted and they stated the debt owed is substantially more than what should be owed. What is currently owed is a little over XXXX dollars. This is appalling due to the fact that the original debt was only about XXXX and XXXX monthly payments have been made for the past 3 years. Per the company I did not sign the document and/or submit it to their possession, although there is proof that the document was signed and sent. Therefore, they added a 4 % interest rate to the debt owed without any communication or agreement. 

There is email proof that the document was requested on XX/XX/2019. The company sent the document on XX/XX/2019. The document was signed and emailed to the company 's representative in a timely fashion which was XX/XX/2019 before the court date on XX/XX/2019. There should be no interest rate applied since the document was signed and submitted into the possession of the company. The agreement they are imposing on myself is illegal and unethical by all means. I have tried to work with them numerous times to solve the problem and they instructed me to " seek counsel ''. 

I have asked for a full ledger of payments made, amount owed and where the money has went ( principal or interest ). They have yet to send it to myself and/or legal counsel. I will have those documents soon from them I believe, so once I receive them I can also give to you all as for further proof. I have attached the email thread ( s ) and court ordered contract/agreement that I signed and submitted to the company.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am demanding immediate action to correct this serious issue. 

ACCOUNTS [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] INQUIRIES -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 XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I now require the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Student loan

On XX/XX/2024, I made a payment of {$210.00} to Mohela when they were transitioning their servicing playtorm to a different site. The payment was taken from my bank account, but not applied to my loan. I have called Customer Service greater than 5 times on this matter and they have confirmed the payment did occur but I get the same cookie cutter reply that its being worked on to apply to my account. At first they told me to wait 30 days, now 90 days. We are far past 90 business days and I have not been refunded nor is the payment is not reflected on my account.
Product: Credit card or prepaid card

I purchases a product online from XXXX XXXX  for {$19.00}. The following month in XX/XX/2019 they charged my account for what appeared to be 1 of 3 payments. Which I got the credit card issuers to fix that. But then about a week later I received some makeup products from them I did not order. I filed complain with credit card company and they say that the transaction was marked as Reoccurring charge so they could not stop them. 

I have contacted the company and they will not take me off some Subscription they put me on so I filed complaint with XXXX But I cant get credit card company to stop allowing them to charge my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened two accounts with Acima loans. Both accounts were paid on-time. 

The later part of XXXX, one of the accounts was scheduled to payoff. Banking information for this was provided as an automatic payment. My bank flagged this permission and required further verification. 

The information was provided to Acima in order to support a claim for compromise and flexibility to the the account with additional penalties. 

An email was sent with the verification ; the agency didnt provide ANY communication ( although email was the original source of communication ). 

My last payment was drafted from my bank account on XX/XX/2020. However, I have records of prior payments. 

Despite these payments, my credit report reported late payments which made my credit score to be impacted. I feel that Acima is targeting specific individuals to perpetuate the decrease and access to good lines of credit. 

Im looking forward to finding amicable solutions.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow all required procedures and provide proof of my identity, TransUnion has unlawfully denied me access to my credit report. If this issue is not resolved promptly, I am prepared to pursue legal action for these ongoing violations. 

Details of the Issue : 1. Unlawful Blocking of Access to Credit Report : Under 15 U.S.C. 1681g, I am entitled to access my credit report. Despite this, TransUnion has blocked my attempts to do so, falsely claiming an inability to verify my identity. On XX/XX/year>, I received an email from TransUnion ( attached ) stating that my request could not be processed, even though I personally initiated the request and provided all necessary details. 
2. Provided Required Verification Documents : To resolve the verification issues, I mailed copies of my drivers license, Social Security card, and a utility bill to TransUnion. Despite providing these documents, TransUnion has continued to deny me access to my report, which is a clear violation of 15 U.S.C. 1681g.

3. Failure to Provide Clear Procedures for Accessing Reports : TransUnion is required, under 15 U.S.C. 1681h, to provide simple and clear procedures for accessing credit reports. However, they have made this process unnecessarily difficult and obstructed my rights by refusing access even after receiving all requested documents. This is a violation of the FCRA.

4. Unlawful Stalling Tactics ( 15 U.S.C. 1681j ) : TransUnion has employed delaying tactics by continuously preventing me from accessing my credit report, despite providing the required documentation. Their failure to respond in a timely manner violates 15 U.S.C. 1681j, which mandates prompt access to credit reports upon request.

Violations : 15 U.S.C. 1681g : Denial of access to my credit report despite providing verification.

15 U.S.C. 1681h : Failure to provide clear and simple procedures for accessing credit reports.

15 U.S.C. 1681j : Unlawful delays in providing my credit report.

15 U.S.C. 1681c-2 : Failure to allow detection and rectification of potential identity theft.

Intent to Pursue Legal Action : If TransUnion does not resolve this issue immediately, I will pursue legal action for the damages caused by their unlawful obstruction of my rights under the FCRA. I have provided all necessary documentation, and there is no valid reason for them to continue blocking access to my credit report.
Product: Debt collection

I was never made aware or served any notice for court but was sued and now I have a judgement against me. I was originally sued for {$2100.00}. I am still getting harassing phone calls at work trying to garnish my wages and I receive letters telling me that my judgement is occurring interest. I have a letter that came 3 years after after my judgement with an amount greater then my judgement. I am unaware of this debt and was never made aware of any court but obviously I was n't there so the judge ruled in their favor. With this judgement on my credit report it is hurting me from getting a loan or opening any new line of credit to advance my lifestyle and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # ending in XXXX and XXXX XXXX XXXX XXXX : Account # beganing in 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 suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Greetings, I have frequent and distressing problems with my loan company, MOHELA. My current problem is that they revoked my deferment ; while confusing ( I was under the impression from them that my XXXX enrollment was sufficient through XX/XX/XXXX! ), they also did so after a barrage of bizarre messages that appeared to change my loan terms from when they was instituted ( e.g., XX/XX/XXXX -- these were consolidated loans ), then notified me that a standard payment was due with less than 10 days warning. 

Further, they have ( and still do ) present me with conflicting information. I managed to get that first payment in by XX/XX/XXXX ( {$260.00} ), in fear of getting a 'late payment ' tag, but they were also telling me at the same time that a payment of a different amount ( {$270.00} ) was *first* due on XX/XX/XXXX. There is still conflicting information on their website -- it both tells me that a payment is due on XX/XX/XXXX ( {$270.00} ) and that no payment is due. Interest is accruing, however. 

Finally, I received no official explanation for the change in terms, nor why they instantaneously increased my Current Principal to {$21000.00} from {$20000.00} ( an increase, without explanation or warning, of {$400.00} ). 

I have asked them repeatedly for an itemized accounting of every aspect here, and they have stopped responding and refused to provide one, even after I indicated last week that I would contact you for help. At least once a year, I have some event like this occur with this company ; things only ever get sorted when I contact the CFPB or the Federal Loans Ombudsman. 

I am attaching a screenshot of my account after my recent payment ( as of today, XX/XX/XXXX ). 

Thank you for your assistance in getting MOHELA to account to me the circumstances of my Federal Loan. 

Best, XXXX XXXX MOHELA Account : XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you