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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

First Financial Investment Fund V, LLC are trying to collect a debt which I do not owe. They are trying to collect a debt under XXXX different account for the same company. I told the company that all debts and claims for XXXX XXXX has been fully resolved. They closed the XXXX debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
Product: Credit reporting

I filed for Chapter XXXX bankruptcy in XX/XX/XXXX. By XX/XX/XXXX, seven years later, I requested the bankruptcy to be removed from the credit report agencies. XXXX complied, but XXXX and XXXX replied that they would hold it for ten years. So in XX/XX/XXXX I renewed the request to remove. To this day, XX/XX/XXXX. The record continues to affect my credit score.
Product: Debt collection

Company : Aargon Agency, Nevada Debt Collection In late XX/XX/XXXX, I had several thousand dollars of medical bills accrue due to an accident. It was time consuming and confusing to sort out what was owed and to whom various payments were to be made. 

One day in XX/XX/XXXX, I received a call on my mobile from the above company. ( I can not provide the date as I now have a different phone and phone number. ) Their representative demanded a commitment from me to pay a medical bill. 
I explained that I was at the grocery store, and if he would call me back in a couple of hours, I'd be back home, able to take down the necessary information, and verify that his firm was legitimate, so that arrangements could be made to pay. The representative became rude, told me that he would close my case and report the bill as uncollected. He then hung up on me. 

I didn't hear from him that evening, or from XXXX ever again, nor did I ever receive written notice from XXXX. 

I finally contacted the initial payee, XXXX XXXX directaly and paid the bill. Please see the bank screenshot of this transaction. 

Recently it has come to my attention that XXXX reported the bill on my credit report. 

I filed a dispute with the credit bureau, who contacted XXXX, who refused to act and clear the debt. 

Saturday, I contacted XXXX directly. The representative told me that they did not receive the money ( the original payee did ), so they had to wait for the payee to advise that the bill was paid. I explained that I'd filed a dispute months ago, and asked how long it took for resolution. XXXX told me that it was " my fault '' for paying the original payee rather than them. 

I explained that their initial contact with me was their only contact with me, that I had no way of knowing who they were, and that I'd paid the bill. 

Not only have they not removed the derogatory account on my credit report, but THE DAY THAT I CALLED, THEY BUMPED UP THE CHARGE ON MY ACCOUNT ON TRANSUNION, CAUSING A FURTHER DECREASE IN MY CREDIT SCORE. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been engaged in an ongoing dispute regarding recurring charges with XXXX XXXX XXXX, and the process of resolution through the Consumer Financial Protection Bureau ( CFPB ) has been incredibly frustrating. Despite successfully disputing these charges, they proceed to close my account, thereby removing them from my credit report. However, to my dismay, a few days or even a week later, the same collection is inexplicably reinstated on my credit profile, this time listed as " open '' rather than " closed. '' This recurring pattern has raised serious concerns and suspicions. This is now the third instance of such an occurrence, and I have taken screenshots this time as irrefutable evidence of the situation.
Product: Debt or credit management

Cash app does not have agents to help when needed my cashapp is $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

My loan is with Navient. I have been reenrolled multiple times into forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting, for 5 years I have disputed a collection on my credit report from XXXX  XXXX XXXX, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX. the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX  ''
Product: Debt collection

On XXXX/XXXX/2017 I sent a dispute letter to PRA requesting validation of this debt - including an item bearing my signature. All I received in response on XXXX/XXXX/2017 was XXXX Credit Card statement. I again requested validation on XXXX/XXXX/2017, and again received no further information to validate the debt. On XXXX/XXXX/2017 PRA claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XXXX/XXXX/2017 asking several specific questions to validate my debt, and on XXXX/XXXX/17 PRA again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  & Transunion are reporting lates on all 3 of my XXXX  XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.
Product: Checking or savings account

I was a victim of a XXXX  scam. I was told that the power for the bldg I work for they power was going to be cut off due to lack.of payment. That I had to XXXX payment to stop turn off notice. I submitted 2 payments one for {$1300.00} and the other of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX and they haven't. 

XXXX XXXX  - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.
Product: Student loan

I spoke on XX/XX/year>, with Sallie Mae recovery team. I already explained to them about my online account access, they told me I have 2 active loans XXXX & XXXX, so I can access these 2 loans on my online portal, and they sent request to open my online account access for these loans.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX and XXXX I called Barclays/US airways Mastercard to dispute 68 transactions made by my child to XXXX that were not authorized by me. The 68 transactions totaled {$1900.00} and were made between XXXX XXXX XX/XX/XXXX with the bulk of transactions taking place between a 3 week period, and generally hundreds of dollars charged within minutes. I regularly spent {$0.00} per month on XXXX storage. I did try to dispute this with XXXX as requested by Barclays, to no avail. I was given an address ( by barclays ) to send a letter outlining the disputes in writing. I sent the letter via certified mail on XX/XX/2023 and the letter was accepted by Barclays on XX/XX/XXXX. To date, XX/XX/XXXX, I have been passed around between departments at barclays/us airways , always initiated by my phone calls, and no resolution has been made. I have repeatedly explained I am concerned about missing the time limits to dispute these charges but am not able to get help from anyone. I have not received anything in writing even acknowledging my letter, or a case being created. Per the Fair credit billing act, I am responsible for the first {$50.00} of the charges that were made by someone not authorized to use my card. I am disputing charges that were made by a minor unauthorized to make these purchases, and without my knowledge or consent. I am attaching the original letter which I wrote and mailed to US Airways mastercard/barclays
Product: Vehicle loan or lease

Changes in terms mid-deal or after closing Car went up XXXX XXXX XXXX  after closing.
Product: Debt collection

i have reached out to this debtor on multiple occasions for a document or a lease with my signature on it showing that this lease was signed for me. to which they have not sent. they are sending itemized list of amounts but nothing attaching my name to the property or debt
Product: Credit reporting or other personal consumer reports

In XXXX, I received a letter from Mohela stating that my student loans of over {$28000.00} had been forgiven and I then had a {$0.00} balance. A few months later I reviewed by credit report and noticed that the loans were still being reported at {$29000.00} so I submitted a dispute with XXXX and XXXX. I uploaded the forgiveness letter I had received to both companies. Sometime in XX/XX/year>, I noticed that the loan had been updated to {$0.00} balance on my XXXX report but still reflected on my XXXX. In XXXX of XXXX, I submitted another dispute with XXXX and in XX/XX/year> I received information that the debt was verified but the balance had been updated to {$0.00} balance. I am trying to purchase a home so I was reviewing my credit score and noticed it had dropped significantly and the report reflected the {$29000.00} from Mohela was back on the XXXX credit report. I contacted XXXX and was told they just report what creditors submit to them so I had to do another dispute to have this removed. I then logged in to my Mohela account and the account still reflects {$0.00} balance. I tried contacting Mohela but could not speak with anyone due to the XXXX hour wait.
Product: Credit reporting or other personal consumer reports

On XXXX/24 I sent Experian, XXXX, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.
Product: Money transfer, virtual currency, or money service

I wire transfered money from Citi Bank in California to Citibansmex Bank in XXXX. The wire transfer did not go through & Citi Bank is taking the funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX with XXXX XXXX issued by TD Bank , N.A . on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX, I started having issues with the Treadmill and have continued to have similar issues to present day. I have reached out over 20 times during that period of time to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of XXXX. They have either not responded or provided a response with a resolution that does not solve the issue. When I let them know the resolution does not work, they do not respond any further. It has happened multiple times and my treadmill does not work. I submitted a finance dispute in XX/XX/XXXX with the TD Bank since the purchased treadmill was not working and I was not receiving any support or service. I received one phone call and no letters or other communication during their investigation. I called TD Bank again today because they will not respond in their inquiry system online, but they do not email or call, and the wait times are well over an hour or they don't answer. When speaking with them today, they let me know they made a final determination to my dispute on XX/XX/XXXX but I have not received any communication regarding this. They said a letter was sent but have no proof of that. Their determination said that XXXX determined my internet is the problem. During the pandemic we have all been at home and working from home with internet. I have also had message conversations online and emailed XXXX as well as I am online filling this out now. I have questioned TD Bank how that was determined, and they can give me no further information, but a final decision has been made. I would like to file a bad faith complaint against XXXX and TD Bank as they are taking advantage of consumers and not providing support or service when their service or product is not working.
Product: Credit reporting or other personal consumer reports

Every other month I keep seeing flex finance showup on my transition report. I have told this company plenty of times I do not want or will ever use their service and to close and delete my information and account yet they keep reporting on my account the account is closed. They are abusing the credit reporting on people account!!! I dont want to ever deal with this company and for some odd reason they keep opening my account after I get an email stating the account is closed! Its now XXXX and last I felt with those company is XXXX!!! Why wont this company leave me the F alone!!! This is identity theft
Product: Credit card

Previous ticket : XXXX I am being charged again by the wire fraudsters. this is scary. 
I never activated the card I received I was charged on XX/XX/year> for XXXX and another charge appeared on XX/XX/XXXX for XXXX both charges were listed as paying interest to XXXX XXXXXXXX All charges to XXXX XXXX are fraudulent and amout to wire fraud. The other is XXXX I have nothing to do with these organizations. 
The website for XXXX XXXX home page does not exist. 
THIS IS WIRE FRAUD AND A FELONY. 
I NEED CITI SIMPLICITY CARD TO LOOK INTO THIS THE CARD ISN'T EVEN ACTIVATED AND THEY ARE STILL STEALING FROM ME!!
Product: Credit card or prepaid card

I never opened credit with barcley. I attempted to contact company several occasions to clarify debt on several occasions up to recently. 

In 2018 they sent me a letter stating they were unable to verify debt. Therefore according to legal Fair Credit This item needs to be removed from credit
Product: Student loan

On  XXXX   XXXX  we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.
Product: Vehicle loan or lease

Back in XXXXXXXX XXXX XXXX my car payment of {$1200.00} was taken out of my account for bmw finance. Then days later it was returned back to my account. I called bmw finance to ask why was the amount sent back to my account and the representative stated that they dont show it being put back and that the note for that month was paid. Found out almost a year later that the note for that month was never paid and I had been charged late fees every month for a year. I never received a call, email, physical mail of any sort saying I was late. I paid my note regularly every month not having a clue I was getting charged late fees. Finally was able to get that revolved XXXX of last year. Now I have 17 late payments showing on my credit from this lack of communication. While the whole time I paid my car note on time, not being aware of the late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS
Product: Credit reporting

Experian Credit Union continues to report false information regarding a utility bill with XXXX. For 6 year they reported the opening date of the account as XXXX2009 with the account closing, due to a last payment XXXX/XXXX/2009. Additionally, the report date is wrong. The account was opened for 5 months and closed post XXXX refusal high rates despite a XXXX issue with faulty air conditioning. 

Currently, they are reporting the account as a loan that was taken out in 2009. The term of the loan is reported as one month. The loan is also reported as derogatory. This is despite the account being paid in full. 

-Additionally, the below noted are still being reported on my account despite letters for removal despite letters from collectors for removal. 
* {$60.00} paid medical bill, XXXX {$220.00} XXXX ( XXXX Collections ). * {$750.00} XXXX
Product: Student loan

In 2010 I applied for a private student loan with XXXX XXXX  to finish my XXXX XXXX XXXX at XXXX XXXX. I believed when applying for the loan I was applying for a fixed rate loan, while filling out the application it was a fixed rated loan, going over and signing the paperwork it was a fixed rate loan, and even when I begin to make my payments I believed it was a fixed rate loan. I begin to pay the loan back and my payment was something like XXXX dollars a month and I was paying double that to try and get it paid off. I encounter some other bills so I begin to make only the minimum payments of XXXX or XXXX dollars a month for this loan. I had already gotten it paid down to like {$2400.00}, within the first 5 months. I then received a call from a person from XXXX XXXX  telling me my payment was short or I missed a payment. I explained to him that I had never missed a payment and that I had been doubling my payments but I had to stop ; however, I was still making the minimum required payment. That man was so disrespectful to me and treated me like I was the lowest person on earth. Yes, after that I gave him a piece of my mind and asked him who he was talking to and he would not talk to me that way. He stated he would show me and hung up. I did not think anything of it and continued making my payments. XXXX XXXX  transferred my account to XXXX, I believed it was transferred somewhere else first then ended up at XXXX but I really can't remember who was the first company. I really had not paid much attention to this loan and I have just been making my payments always in the back of my mind saying this is not paid off yet. After graduating from another college and having those loans paid off and I am still paying this loan from 2010, I know said I need to look into this. What I discovered and now know what he meant when he said he would show me. My loan now is a fixed/variable rate collecting daily interest with XXXX installments. There is no way I would have signed a 15-year loan for {$3000.00}. I will never be able to pay this off and this would not have made sense to do. I believe that a XXXX XXXX  employee changed my original loan and then sold it to another company to get it off of him. I never signed anything to my knowledge for a variable rate loan. I know I would never have done that I am asking that the original loan document be pulled showing where I signed the paperwork. Showing where I signed for a fixed/variable loan. I am also asking at this point that this loan be forgiven, I have paid well over {$3000.00} for this loan. if not forgiven at least refinanced to something that is more realistic and more reasonable and makes more sense. Thank you for any help that you can provide.