23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Venmo froze my account and refuses to let me withdraw any of my money from the balance or debit card. They claim it was triggered by suspicious activity and violation of user agreement The only thing I did was try to buy cryptocurrency through the venmo app ( a service they OFFER ) and they declined it and completely locked me out of my account. I keep calling and messaging and nobody will reach out to me or give me an answer on how to fix it. I have over {$800.00} just sitting in my account with no way to get it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I awoke today to an email from the XXXX XXXX App stating that a new duragotory remark was added to my credit. This is from a company I do not recognize. Please verify the debt and that the info is accurate. This debt is likely too old to be collected given the current statute of limitations. Surely not proper notification by the fair debt collection practices act was followed. I do not think this debt is valid. Additionally I am financially impacted by covid19 natural disaster at this time. Please remedy by removing this from all negative credit reporting. Do this for all agencies you report to ; on both XXXX XXXX XXXX XXXX Please also provide me a written letter of exhoneration once this is completed. Your mishandlings on this file and any companies you may have bought this debt from are invalid. Please remove to avoid legal action and civil lawsuits for the aforementioned mishandlings. As you know false reportings and negative credit reporting greatly impacts ones life. Shame on you and the company who escalated this to you. Remove asap!
Product: Mortgage

Specialized Loan Servicing LLC took over my loan. They have ignored documents that i faxed to them regarding property insurance and have started charging me an escrow fee for insurance. This loan was previous serviced by two other companies, neither of which charged me any fees. When i try to contact Specialized to get this dropped i get run around.
Product: Student loan

I was alerted by my credit monitoring system that my credit score decreased significantly and I had 12 missed payments. I immediately looked at my report and saw Navient my Student loan servicer reported my accounts were 90 days past due. I am on a income repayment plan and my payments have been zero each month. When I called Navient in XX/XX/XXXX, they stated I failed to renew my income repayment plan I never received anything from them stating I was up for renewal. Navient stated they emailed me as that was my preferred method of contact. I told them no I updated my mailing address which you have on file the email address is no longer able to receive emails. I was told I had to ask for a forbearance if not my account would continue to report negative to the credit bureau while I renewed my income based repayment plan, so I did. I disputed being 90 day late on my 12 student loans with all three Credit bureaus, however each time Navient reports back they have stated my balance increased by ( as example XXXX on one loan, XXXX on another ) etc. With the payment rating still showing late. They capitalized on interest loans from when I graduated XX/XX/XXXX until now have XXXX in interest charges.
Product: Debt collection

Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.
Product: Credit reporting or other personal consumer reports

TransUnion has taken more than 30 days and has not investigate my dispute or respond I therefore demand that they remove the XXXX XXXX and XXXX XXXX accounts that I disputed on XX/XX/XXXX and they received on XX/XX/XXXX and signed for I just have proof with a green card from the us post office from the certified letter I sent them and will file lawsuits against them if not removed as they have taken more than 30 days they must remove the XXXX XXXX  account and XXXX  XXXX accounts by law
Product: Checking or savings account

Im a US bank customer for more than 10 years. I mailed two checks to the county of XXXX on XX/XX/XXXX for my property taxes. I dropped off the mails in the mailbox in front of the post office. Both checks were stolen. One with the amount of {$9900.00}. I filed an investigation with US bank on XXXX  The other check with the amount of {$5700.00} filed on XXXX I am following up with the bank by phone and in person to a branch. Every time I receive different information regarding how soon I can receive my money back. Last conversation with XXXX XXXX the fraud supervisor was today, he said that it can take up to 4 months to complete the investigation. And bank is not liable to give me provisional credit. Please kindly assist me. Since I am paying interest on this amount, I have already had {$550.00} delinquency fee. Sincerely
Product: Debt collection

Outline of Occurrences : On XXXX/XXXX/2016, I reached out to Cash Factory USA and advised that due to the holiday my funds would not be available on XXXX/XXXX/2016. I advised that I would need the funds owed to transact on XXXX/XXXX/2016 opposed to XXXX/XXXX/2016. After, speaking with numerous agents and managers this variance was approved. On XXXX/XXXX/2016, I received a notification from my Bank advising that said company recovered a lesser fee. I received a " Docu-sign '' email later on XXXX/XXXX/2016 in regards to refinancing of my account that had to be electronically signed and delivered by law. I never spoke with anyone in regards to refinancing this account ; just to have the transaction withdrawn on a later date of XXXX/XXXX/2016 for the full payment. The refinance documents advise of the Credit Access Business Agreement ( CAB ) fee that is indicative of refinancing. A refinance can only be administered upon completion of information and documentations required by the lender to refinance a loan. This documentation was never completed, due to never being discussed. However, a refinance of the account was completed without legal documentation required by the said company governing body ( Texas office of the consumer credit commissioner under chapter 393 ) or the Texas Finance Code in connection with my state of residence ( TX ). On XXXX/XXXX/2016 the said company reentered my account and retracted a larger amount that they were not authorized, too. 
Emails from the said company managers to substantiate and emails that were sent after the refinance fee was retracted advising had n't been signed/ completed and needed my signature. 

Offenses indicated below : 1. ( CAB ) Refinance fee deducted from my personal account 2. Disclosure date for Refinance agreement sent on XXXX/XXXX/2016 3. No signed agreement obtained from said customer to refinance account 4. Attempted to collect wrong amount
Product: Credit reporting or other personal consumer reports

I am inquiring about the fact that I am a victim of the data breach that occurred in early XXXX from the Department of the Treasury, in which unclassified documents were breached. As a result, I have received unknown harmful insertions onto my Transunion, XXXX, and XXXX consumer credit reports. The law mandating that credit reporting agencies ensure the security and confidentiality of personal information is the XXXX XXXX XXXX XXXX ( XXXX ) enacted in XXXX.
Product: Credit card or prepaid card

I have Chase credit card that I intentionally set with a maximum limit of XXXX. I had a charge hit my card that I did not approve for XXXX that occurring on XXXX/XXXX/XXXX from a vendor that I did have a monthly recurring charge from but not this high of an amount and I did not authorize this large amount and never authorized Chase to accept any charges over the intentional XXXX limit max that I agreed to. I called Chase shortly after it occurred and was told they accepted the charge because it was a vendor that I use and as a " courtesy '' to me as a card holder. This was not a " courtesy '' and has cause havoc with me trying to pay off my bill. 

Because they did this, I was unable to even negotiate the XXXX amount down from the vendor or make the vendor eliminate it. They would n't budge because they had already received their money from Chase. 

Also, the card being over it 's limit has cause me to be declined for a debt consolidation loan because it is significantly over the credit limit. it is infuriating because I never authorized the charge and had a set lower limit intentionally. 

Chase did say they would visit with the vendor to dispute the charge, but I have already had to deal with vendor directly. It 's really not about the vendor it 's about the fact that Chase and I had an agreed upon contract with a credit card and a set limit that should never have exceeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is titled IQ data international. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and XXXX, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX XXXX
Product: Credit card

I submitted written dispute requests on XX/XX/XXXX and XX/XX/year>. 
An account guarantee occurred that I did not agree to, and the total amount, including a guarantee fee of {$39.00} and late fees and interest due to non-payment of this amount, was {$130.00} ( as of XX/XX/year> ). 
I did not agree to the account assure. 
However, they charged me a fee for account assurance that I did not agree to, and they charged me a late fee of {$41.00} every month for not paying this amount. As of XX/XX/XXXX, I have a remaining card balance of {$130.00}. 
I sent several messages and requested a written dispute, but the late fees continue to pile up and I receive calls every day reminding me to deposit money.
Product: Credit reporting or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : 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. I have filed a complaint with FTC and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one bankruptcy on my report that is incorrect please remove. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an alert from Experian indicating an XXXX point drop in my credit score. The alert stated the reason as a 30 day late payment. My accounts are paid as agreed and no late payment of any kind exists. Additionally, there is no record of any creditor, loan, organization, or other entity associated with the late payment. No other credit bureau reflects this information, and my score with XXXX and XXXX remains unchanged. I have repeatedly contacted Experian. They have refused to correct the error. They have refused to allow a formal dispute because no actual record of the late payment exists. In every communication with Experian representatives, they have agreed that the score decrease is erroneous, however they refuse to correct the score simply because they dont know how. The last representative I spoke to literally stated You didnt deserve this, but we are unable to do anything to correct it because there is no record to dispute. I have reached a stonewall after hours on the phone attempting to resolve this issue with Experian and hours communicating with my financial institutions to confirm that the negative information was false. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not delete XXXX XXXX XXXX  from my credit report when it shouldn't be on there this account was disputed back in XX/XX/2020 and removed from my credit file it was purchased by XXXX XXXX I have told TransUnion to reach to them so I did and they sent me an no obligation letter after doing there investigation is XXXX XXXX XXXX has already been removed and deleted from XXXX and XXXX already but TransUnion still remains this is unbelievable it wasn't even my account to begin with someone some how open under my name using my info I have locked in freezes on my credit files now wish I would of knew bout this years ago but yes again please so help me the saying is the truth will set you free this has damaged. My credit so please remove I have sent the letters in to TransUnion from XXXX XXXX XXXX  and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to inform the credit companies ( XXXX, XXXX, & TransUnion ) about unauthorized hard inquiries ( 1 ) XXXX XXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( XXXX ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7  ) XXXX ( 8 ) XXXX  XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) XXXX XXXX
Product: Mortgage

XXXX, the former holder of the mortgage on my home, sold the mortgage to another company effective XXXX, 2019. However, I continued to make payments to XXXX for two months after the transfer was finalized. The payments made to XXXX were in XXXX and XXXX 2019. When I realized the problem in XXXX 2019 I immediately notified my new mortgage company, Loan Care LLC ( also referred to as XXXX ), of the error. LoanCare LLC stated that they had not received any payments from XXXX and demanded that I bring the account current paying the overdue amounts in full. Since I had already made both payments to XXXX, I could not afford to pay the full amount allegedly due ( XXXX and XXXX payments ). Instead, I paid one month to Loan Care and attempted to get XXXX to reimburse me. Eventually, I was successful in getting XXXX to reimburse me for the XXXX payments and was able to pay the second month payment to LoanCare LLC. By then, however, the payment was over 30 days past due. In XXXX, Loan Care reported my mortgage to the credit bureaus as 30 days past due. 

Your website states that " for 60 days from the date your loan servicing transfers, your new servicer can not charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period. '' Loan Care inappropriately reported my XXXX payment as 30 days late despite understanding that I had mistakenly paid XXXX two mortgage payments. The reporting of a late payment is a violation of the rule explained above. Please help me resolve this issue with Loan Care. If I can not get the issue resolved I will have to take it up with my XXXX XXXX XXXX. 

Please note that Loan Care LLC is located in XXXX XXXX, Virginia. My mortgage statement says that LoanCare LLC is subservicing my loan on behalf of XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX has the right to service my loan. 

Customer Service inquiries should be made to following address : Loan Care Attn. Customer Service XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX I
Product: Credit card

On XX/XX/year>, I contacted PNC Bank for unauthorized charge I noticed on my credit card online account. The fraud department representative asked me to verify whether this charge was made or not and I advised this person that it was not. She then notified me that the unauthorized charge was shown to be credited and that the amount would be reflected on my account within the next 24 hours. I asked if it was necessary to have my credit card changed or if I could continue using the same card, she advised me that there were no restrictions on the card and for me to continue using it. On XX/XX/year> a credit was issued to my account in the amount of {$100.00}. I also made a payment to my account online on XX/XX/year>. I attempted to use my card on XX/XX/year> for an online purchase and the charge was declined. I logged in to my online account and this company has my available credit limit placed at {$0.00}. Upon contacting PNC credit card customer service, I was advised that since there was a fraud detected on my account, they froze the account completely. I was never notified of this action, neither by message nor by correspondence. PNC Credit Card services has been unwilling to assist me with this matter and the customer service area simply says that the fraud department will determine the status of my valid and good standing credit card account.
Product: Credit reporting or other personal consumer reports

I can no longer face the high expense of trying to cover my XXXX XXXX XXXX. I have been vandalized twice in my apt . complex and I have for the second time reported to my car insurance companies and they are continuing to cancel my auto policy due to the high theft of the car. I have decided to stop facing the unnecessary pressure and have decided to do a voluntary repo with the car I purchase because I can not get insurance companies to cover and if they cover the rates are too expensive for me to keep covering. This constant cost of getting car ins. issue has already caused me to be 2 payments in the rear of the car. I can no longer bare the expense of trying to keep a car I can not get insured to drive. 
I am asking your agency to intervein and contact XXXX XXXX  to assist me in asking the company not to list as a repo on my credit reports. I had no choice but to allow the XXXX XXXXto come recover their car. I can no longer take the financial risk anymore of the car getting broken into and or stolen. The first time on XX/XX/XXXX contact XXXX XXXX co, refuse to cover to fix trunk lock because of theft situation on XXXX I can only get state mim of liability to drive, not good. no coverage for theft. the rear trunk was broken into the lock of my trunk was broken, thieves apparently tried to go thru back seat to get into the car to steal the car, seats were locked and my neighbor was pulling into a parking space in front of our XXXX XXXX XXXX, that apparently happen to spooked the first thief. Back on XXXX XXXX, XXXX another person tried to steal my car and another neighbors car a sonata in my same XXXX XXXX XXXX I live in car that live where I live. My driver side windshield got crack and the driver side door was scratch up really bad from the thief trying to get into the driver side to steal my car. I have had it. so, I decided to give car back car to bridgecrest ( Drivetime ) not worth it. How do my credit not be penalized for this. spoke to XXXX  on XX/XX/XXXX and was informed that car will be sold on XX/XX/XXXX they will contact me for the balance of the car due, its not fair for this car to be listed on my reports as a repo due to what I am having to deal. What can I do as a consumer under the fair credit act? I have no issue paying off balance after XXXX  sales the car. but its totally unfair that I can not get another car. I should not have to suffer as a consumer for this car theft world wide problem. I just can not saffrod to have the car stole and keep vandalized for a XXXX time. Its not my fault as a consumer that these cars are being stolen.I am asking your agency to help get this issue solved and while its being solved I should not have repo listed on any of my credit reports due to this car theft problem. Im willing to finish monthly payments until I pay off the XXXX after car is sold.but its not fair to trash my credit reports over this. I sould indeed under fair creidt act be allowed to buy another car without being penelaized.
Product: Credit reporting or other personal consumer reports

All 3 credit bureau 's failed to acknowledge me of reporting anything on my report, I never gave written or verbal consent
Product: Credit reporting or other personal consumer reports

I PAID MY FINGERHUT ACCOUNT IN FULL AND I NEED ALL THREE MAJORS CREDIT REPORTS UPDATED IMMEDIATELY SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE XXXX PLEASE CORRECT MY BALANCE. THANK YOU!!!
Product: Checking or savings account

On XX/XX/year>, unauthorized purchases at three locations were made with a debit card on my account for a total of {$3500.00}. USAA luckily noticed the charges were suspicious and automatically restricted my account. Upon seeing the charges and the account restriction, I froze the card and contacted USAA on the same day, XX/XX/XXXX, to report the card as lost/stolen, cancel and replace the card, and dispute the three transactions as unauthorized.

USAA sat on the dispute for three days and denied the claim on XX/XX/XXXX without indicating any reason why. The denial letter stated I have the right to request the information and documents they used to make their determination. 
I called USAA on XX/XX/XXXX to request the information that they used to deny my dispute and was told they would send it to my account within XXXX business days. 
On XX/XX/XXXX, I received a notification that I had new documents containing the information requested, so I opened the 'document ' to see that it was a PDF copy of the same denial letter I received on XX/XX/XXXX, with no additional information, as well as two completely blank pages. I opened it in multiple PDF readers to confirm the pages were absolutely blank. 
I immediately called USAA again ( XX/XX/XXXX ) to notify them that they sent blank pages and I would like the information that they used to deny my dispute. The agent on the phone looked at the PDF and confirmed that yes, the pages were blank and she had never seen that before, but she would make a new request and specifically note that the pages sent were blank. Once again, I was told that it XXXX take XXXX business days. 
I received another notification on XX/XX/XXXX including the same blank paged document. I have now waited the XXXX business days that the company told me to wait and have received no additional information from the company. 
This complaint is in regard to both the improper denial of the dispute claim and the failure to provide any informational basis for their decision on the claim. The restriction on my account shows that USAA knew that the charges were fraudulent, but they still chose to deny the dispute claim and not send me any justification on why the claim was denied.
Product: Credit reporting or other personal consumer reports

I want all these hard inquiries remove I did not authorize to run my credit its fraudulent. The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXXNELNET XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX  XXXX {$1500.00}