23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Portfolio Recovery Associates LLC around XX/XX/XXXX or XXXX. They advised me of my unpaid debt with XXXX XXXX XXXX. I setup payment plans of $ XXXX  monthly. I then login in on the XX/XX/XXXXXXXX  and decided to except a discount payment plan. I paid it off entirely. It was a payment of {$2500.00} of {$5600.00} of debt owed. My concern is the age of the debt. It's from XXXX  or XXXX. Would I still owe debt this old or did I get scammed by Portfolio Recovery Associates LLC? What do you think?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Checking or savings account

Hi, Can you please help me ask TD Bank to close my checking account? I opened an checking account online with TD Bank. TD bank has never allowed me to really use it. So I asked TD Bank to close the account. TD bank refused and keeps charging me $ 25 monthly fee. 

Here is more detail : I opened an checking account online with TD bank in XX/XX/XXXX. I was then not allowed to use the account. TD bank asked me to go to a TD bank branch. I can't go as the nearest branch is like five hundred miles from me. So I asked TD bank to close the account. In XX/XX/XXXX, TD bank told me the account was in the process of being closed. However, when I checked it today ( XX/XX/XXXX ), the account is still there now and it keep charging me $ 25 monthly fee. I called TD bank again, TD bank now refused to close the account and said I have to go to a branch and pay the monthly fee for the account I have never been allowed to use. 

Thanks for you help!
Product: Debt collection

On XX/XX/2020, the Account Adjustment Bureau , Inc. contacted me for collecting {$2000.00}. A facta letter was emailed to me, which shows the money collection was regarding to the XXXX XXXX XXXX. However, I have never signed a lease with XXXX XXXX XXXX, and I have never lived in the XXXX XXXX XXXX. I do not know it at all. I emailed back my disputations on XX/XX/2020. 

On XX/XX/2020, I found a debt was posted on my credit report, by the Account Adjustment Bureau, and the original creditor is XXXX XXXX XXXX, which I never had any legal documents with, and I do not own any money to the XXXX XXXX XXXX.
Product: Checking or savings account

My identity was stolen. They froze the account and I can't get access to my money.

The bank says it is under review. It has been for two weeks. I am being told security does not take in bound calls. I have no idea when I will get my money back and no one at Synchrony Savings will tell me
Product: Student loan

I received an email stating that I owe payments on a loan. I was shocked because I believe I paid off all the loans I received already. 

I called Ed Financial on XX/XX/XXXX to ask questions about how the money was dispersed. I waited on the line for hours until my phone battery died. I was told the wait time was XXXX minutes. I waited anyway because I had the day off and I can't take those kind of phone calls at work- I teach high school math and it would be very difficult to take a detailed call like that during class. 

Once I was disconnected, calling back would put me at the bottom of the wait list. The online chat option was not available. I sent an email ( XX/XX/XXXX ) asking for details. I don't believe I owe this money. I pulled up bank statements from the time and I can't find any record from my bank that I received the money. 

I have heard no reply. I have now been charged a late fee on money I don't owe, but I can't get a hold of anyone to talk about this. I sent another email on XX/XX/2023 asking if I can set up a phone appointment to talk to someone. 

In the meantime I have paid the amount due and the late fee to stop charges from accruing, but I believe I'm paying money I don't owe and Ed Fiancial will not answer calls or return my emails. 

My account now shows record of me taking out a loan XX/XX/2023 - right now it says a loan for {$0.00}. But it's really suspicious that a loan is showing up at all this year. I don't need a loan now, and I'm not taking one out. This is just more proof that the records are off.
Product: Prepaid card

I filed a complaint with US Bank ReliaCard for identity theft that I had between XX/XX/XXXX and XX/XX/XXXX. Then they froze my account and never paid me any more benefits schedule that was due for the next 6 months leaving a balance of {$3.00}, XXXX. 10 years Bank decided they were just going to start taking everybody 's benefit money and got in trouble over it and that had to be award XXXX XXXX dollar payback of all the money they took through ReliaCard services and government benefits. US Bank of my card is exhibiting the same problems and games that they played with us the first time around 4 years ago when they hired XXXX XXXX you can't even get XXXX XXXX on the phone you have to call US Bank ReliaCard and they tell you the same thing you file is real long claim form with all these things that they're going to reimburse you for repossession fee, eviction fees, post male fees, credit card bill fees, overdraft fees, and Bank fees, due to this negligence on their part. Then you filed this long claim form and do all this work on this phone it takes XXXX XXXX XXXX days gather the documentation send it to him and they don't respond for 4 months trying to do the way out the waiting period so you will not get any of this money ever they just sent me more documents I need to upload at the same documents that they already have does it sound right to you sounds like they're doing the same thing they did back in XXXX and XXXX they need to be reprimanded some severely to have their Bank charter taken. This is just wrong
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, i have supporting documents to support my claim on fraudlent accounts that have been obtained in my name without my consent, this being said i have mailed in all supporting documents to experian and they have removed the accounts at first then a few weeks later put all the fraud accounts back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to sell my house and buy a new house to move. I've been looking for lenders for mortgage. Once I did hard pull with one lender, I've got to hear from this broker, XXXX XXXX ( aka XXXX XXXX ) from XXXX XXXX. He presented himself as a broker and I've got the estimate loan from him with the company called, XXXX XXXX under name with XXXX XXXX. 

XXXX and I have been communicating for getting lower rate, and since other lender was telling me that they can match the rate with XXXX 's once XXXX can lock the rate. 

I've checked with many lenders about estimates. I made sure they only do soft pull my credit and they always asked me before they proceed it. I denied when I didn't want to. 

XXXX gave me estimate loan as pre approval. And I asked him I only want soft pull for now. and he said it wasn't hard pulled for this pre approval. 

I bought a house once with my husband which I'm in process to sell. But mostly my husband proceed process with the realtor at that time so I would say this the first time I'm buying for myself and first experience buying a house because we are divorcing after this. 

Since I was notified from all other lenders for hard inquiry, I expected XXXX will let me know before he does. I asked XXXX if we can lock the rate since the other lender was asking if we can do. He only said yes!! He didn't inform me AT ALL!! about from now on XXXX needs to hard pull my credit or else. I already spoke with him that I'm not ready for hard pull inquiry until I make my mind. 

XX/XX/23, In the morning I realized my credit was pulled, XXXX credit report. When I spoke with XXXX afternoon, He did not tell me he did hard pull until I asked. He ONLY said, I asked for lock in rate and that means I gave him a permission to hard pull my credit. I said, I did NOT know locking in rate means I'm automatically giving you my permission to do so, and I already told you I'm being careful about being pulled! and XXXX accepted he didn't ask for my permission, and ASSUMED I asked for hard pulled. 

ALL LENDER MUST INFORM ALL OTHER BORROWERS BEFORE THEY PROCEED HARD INQUIRY, and I wasn't asked for my permission and I DID NOT GIVE XXXX PERMISSION and I even found out myself and had to ask if XXXX did!!!
Product: Credit card or prepaid card

In early XXXX, my Amazon Store Card account was closed. I received a letter listing the reason for closure as : " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. 

My account was paid off at the time of closure. I've always paid on time in full since I first received the card over a year ago ( likewise for all other accounts in my credit history ). I had a reward balance of {$1100.00} that was forfeited as a result of Synchrony closing my account. I believe my account closed in bad faith with the intention of denying my rewards. I would like Synchrony to either reopen my account with the original reward balance or pay out the rewards that were forfeited when they closed my account.
Product: Credit card

I was denied a Barclay XXXX Credit card. my credit score is XXXX. I have another Barclaycard for William Sonoma. I have always paid the credit card bill on time. My male partner was immediately approved and his credit score is XXXX. XXXX 's asked me to send a copy of my utility bill and my tax return. I did and was denied again. I called and they said the concern was not my credit rating but that they have a lot of fraud. They asked me to send a copy of my Social Security card and my drivers license. I told him enough is enough. I think I am being treated differently because I am a woman and I think the request for personal information is excessive. i 'm feeling harassed. Reference # XXXX
Product: Money transfer, virtual currency, or money service

My XXXX and Cashapp accounts have been compromised several of times. Missing funds, and never able to get reimbursed when told they were fraud transfers and purchases. This has happened in a course of 3 years. I have just choose to no longer use these apps unless a family member request only. I have also been scammed through Cash App.
Product: Credit card

I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX XXXX XXXX {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX Capital one {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been having problems with XXXX. I had taken this loan out originally on a different percentage rate than stated previously on phone. I dont even know if I signed originally to begin with. Well first problem started XX/XX/XXXX they lost a previous payment and repossessed my car a day before loan was even due. Made me pay XXXX to get my car back. While car was impounded my tags, XXXX parking plaque was taken along with all registration papers and service invoices. Also my fuse box was damaged because they basically stole vehicle never report it to sheriff department either. Plus personal belongings were removed and they tried selling them back to me when I picked up car. So naturally Im refinancing car to begin with and then they stake other company from payoff to create another repo file. So they call demanded XXXX on text to give me more time. Problem is that they are the only one holding up payment from other bank. Then theyve played games and told me other company didnt pick up loan when Ive already have approved documents that it was. Threatening me only to then become silent no calls telling me anything. So Im thinking that its done. Then on XX/XX/XXXX a white XXXX pulled into the driveway booms my car from inside my garage and my neighbor is witnessing everything. He apparently asked him what he was doing and driver proceeded and backs out with car and ran over my neighbor in process and leaves. I call XXXX and cops tell me that XXXX was reasponsible for the repo and Im gon na need to get ahold of them. XX/XX/XXXX I received a modified loan and they wanted XXXX from me and my interest rates dropped because I earned it a better deal than before. I then asked for my car they act like they dont know what Im talking about sending me a picture of car down the street from XX/XX/XXXX and that I was spotted with my own car and they didnt have anything to do disappearance of car and that I better call cops. They dont know anything about it and in email once again demand for payment and I Better make sure it is made before car is Really repossessed!! I dont know what to do but not sure if Im gon na pay for anything at this point and time cause my car is still missing! This is extortion and Ive made them aware that many laws have been broken here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX is reporting a XXXX XXXX that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, through a credit report, I found out that my down payment of approximately {$14000.00} was misapplied to my loan. It was supposed to be paid forward as 39 months of payments, but was applied incorrectly. XXXX  XXXX XXXX, without any communication whatsoever charged off my account and marked 6 months of payments as being " late, '' when it was their error to begin with. This caused my credit score to drop around XXXX points, which is detrimental as I am trying to apply for a home rental. I am becoming extremely livid with the sluggish pace of the " resolution, '' which has take over a month to even UPDATE the charge-off reversal status. It's been in limbo for OVER A MONTH without official reversal even though it's supposedly been " approved. '' Every representative I speak to acknowledges that it's XXXX  XXXX XXXX 's error, but the issue at hand is not being taken nearly as seriously as it should be, nor is action being taken quickly enough. I'm teetering on the line of whether to seek legal recourse for the issue because of how greatly they've royally screwed up my excellent credit and put me at risk of having my car potentially REPOSSESSED for incorrectly charging-off my auto loan and not even informing me that there was an issue with how the original representative supposedly " fixed '' my initial issue. Oh yeah, that's right they XXXX  it up TWICE, and the second time didn't notify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an investigation against Experian credit bureau for deceived innocent and honest people by tricking them to pay money to them for generating their credit report and score. I paid them a few times because they said after paying I will be able to see my report and score, but unfortunately after paying with my credit card they said I don't have enough credit history or no credit file. This is from since last year until now. first they said after three months then when I called again they said after six months and now after six months they are saying I have to pay again before the system could generate my credit report and score. I have five credit card account on my credit file on XXXX  and XXXX XXXX from last year. 
I would appreciate if the government could really do something to stop these kind of corruptions and fraud by this credit bureau. thank you. XXXX
Product: Debt collection

A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.
Product: Credit card or prepaid card

This is in reference to a dispute filed for my XXXX XXXX  card XXXX for the amount of XXXX XXXX ( USD 340.00 ) out of the total amount of USD XXXX charged to my card on XX/XX/XXXX. 

The merchant is a hotel operator and had unfairly charged USD 340.00 claiming there were breakages for a vacation rental, however I did not damage anything. 

I have contacted the merchant to try to resolve this matter, however they consider this final and are not willing to discuss any further.

I filed a dispute with Barclays on XX/XX/XXXX, but their response on XX/XX/XXXX simply says " documention that was provided showed insufficiency to strengthen the dispute claim made ''. 

That is untrue, and I question if there was any attempt from Barclays to seriously investigate this dispute on my behalf. Why didn't anyone contact me to ask for further documentation/evidence?
Product: Debt collection

First collection notice from XXXX received XX/XX/2020. Spoke with XXXX XXXX at XXXX who reviewed my account and said the information was obvious after I explained I had an existing, positive PayPal account. I considered process resolved at this point. First Convergent email was received XXXX XXXX and I spoke with someone at XXXX. I contacted PayPal to resolve this silliness, and spoke with XXXX in their collections department. He was rude, unhelpful and said to file the dispute. I spoke with XXXX and said this account was fraudulent and they sent my response to PayPal. Fast forward to todays email stating that PayPal called my claim invalid
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by a person impersonating an XXXX employee on the phone. He logged into my Venmo account and sent {$4900.00} in two transactions, one at XXXX and one at XXXX, to an unknown card that was quickly added and removed. He also withdrew {$1900.00} from my bank account. This was reported to the police, my bank account was closed and I am still struggling with sorting this all out. Despite informing Venmo of the fraud they are insisting the transaction was actually me and are aggressively trying to collect. Venmo also has the card information of the scammer and will not provide it to me so I can provide it to the police and life security agencies trying to investigate the fraud. Venmo should be ashamed of themselves because they are well aware that these scams are rampant on their platform and they dont care because they collect fees. I am requesting that they restore my account, desist collection efforts, identify the charge as fraudulent and take action against the offending party instead of the victim. 

Venmo also makes it impossible to find my account number unless I restore my account by paying for the fraudulent transactions.