23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification from my online reporting service that a collection was reported to my credit report, I contacted the collection agency and received information regarding the collection at which time I communicated the debt did not belong to me an it was unjustly placed on my credit report. I was given a number to XXXX who was the agency who sold account to XXXX XXXX. I called the number given to the XXXX fraud department after I completed the fraud packet I completed. I spoke with several different representatives who were overseas and informed me that I did not have the right to ask for proof of account and that I would need to speak with their attorney who was another representative and I was ridiculed and informed to fax my social security card, ID, bank statement, which I did. My first initial contact with both XXXX and XXXX XXXX, they did not have my SSN or DOB, just my name. I called XXXX back a few days later and was informed I did not need to send over that personal info and was asked if I was " stupid '' for doing so. I have tried feverishly to correct this negligent error and to add insult to injury, I now don't know if anyone is going to use my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX DOB XX/XX/1971 SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( 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 ) XXXX ( XXXX ) XXXX
Product: Debt collection

Paypal.com sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to Paypal that the debt was not mine, Paypal agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, XXXX XXXX - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? I made complaint for investigation to the major credit reporting agencies, to investigate a credit union 's neglect to reflect a {$600.00} down payment against my car loan. They were supposed to provide an investigation, giving both sides a chance to answer back, and all they did was take the credit unions information and closed it. Not only this, but the credit reporting agencies have conflicting information regarding amounts. 

Step 2 : What type of problem are you having? My credit report shows negative balances. I am trying to get a credit card and improve my score, but it's not happening so easy. I also tried to negotiate with the credit union and failed, them saying to go to the collection agency.. I tried to negotiate with the collection agency and failed. They both refused to deal with me to start small payments, in trade with removing it from my credit report, so that I could work it out without it continuing to affect my credit report. They both said they can't remove anything from the credit report. They neglected to post a {$600.00} cash down payment against my {$3000.00} car loan, and the figures show me saying the truth. They also were refusing to cooperate with fixing the problem, which is why I quit them altogether. It didn't look like it was ever going to resolve. On the same day I began to let them know of a bad figure in my loan history, I had made the final payment on my personal loan with them, and that did not reflect either. They also refuse to provide statements upon request. 

Step 3 : What happened? I should have won. The result of the investigations showed differing figures from Transunion 's investigation and of XXXX 's. Transunions 's saying my monthly payments were {$89.00} per month, and XXXX 's saying they were $ XXXX.for the same payment period. It is obviously inaccurate, as I said, but neither company took any further responsibility to remove them from my report. The credit union only provided payment schedules showing monthly amounts, dates and when it went into the red. I needed the terms of the original contract, the interest percentage, and the down payment, -- the math for and the resulting original amount of the car loan, all reflecting in their report, and that didn't come through. 

Step 4 : What company is this complaint about? Transunion, XXXX   and XXXX. None of these companies will take the responsibility to remove errors of dishonesty from your credit report, even with proof. 

Step 5 : Who are the people involved? XXXX XXXX XXXX is the Creditor. XXXX XXXX XXXX is the collection agency. I worked with XXXX XXXX until there was a waiting time, and quit paying. Transunion is who we had requested an investigation from. I began myself with XXXX and XXXX. Again, nothing, and no cooperation when I tried a second time, them saying that it had already been investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Nexis lexis and XXXX numerous of times about the inquiries on my credit report and also the bankruptcy on my credit report. That has yet to be removed! I mailed in a police report I have mailed in my bankruptcy letter also contacted each creditor XXXX has yet to remove the inquiries. LexisNexis has violated my rights as a consumer. XXXX stated that the bankruptcy court report the bankruptcies now I uploaded the bankruptcy letter now they saying XXXX XXXX XXXX AND LexisNexis report the bankruptcies on my credit which is false information that was applied to my credit report. LexisNexis sent me a letter stating they initiated a dispute but didnt accurately fix the problem because they said they could identify me! By law XXXX dont have to give you my personal information because I dont want you with it but still LexisNexis are reporting things to XXXX with no accurate information. LexisNexis stated in the letter they need proof of my id social security card and bill! If LexisNexis dont have all of my information why are they reporting things on to my credit!!!! Starting today this will be my last and Finally warning to remove all bankruptcies and inquiries off of my credit file! If you can provide proof of things you have submitted. Or I will be filing a lawsuit! Against LexisNexis and XXXX. I want both companies to provide me accurate information. I froze LexisNexis from accessing my personal information in XXXX but they still refuse to stop accessing it and reporting inaccurate information to credit bureaus. Attached is a letter from XXXX LexisNexis sent me. They closed another complaint today and didnt provide the attachments accordingly. I cant look or click on the attachment! Please remove all bankruptcies from my credit report!
Product: Prepaid card

I have bought a {$100.00} Debit visa ( OneVanila ) card # XXXX XXXX XXXX XXXX expires XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX, it was useless. 
Contacted customer service a lot of times, thay Asked for my personal identity which I gave them. 
After several emails in more than one year, they approved ( photo attached ). 
By following up more than a year, they send a new card XXXX XXXX XXXX XXXX To my Friend Address in USA according to their request which I had to give them. 
The new CARD is USLEES!!?. 
My Complains are : They have my identity info, and I am very worried. 
They have vested my time I want my money {$100.00} back I want Gov. punish them
Product: Credit card

1. On or about XXXX XXXX, I searched for a XXXX hotel in XXXX, XXXX on " XXXX '' and booked the XXXX rated XXXX XXXX XXXX Hotel for XXXX XXXX. The booking was non-refundable. 
2. On XXXX XXXX, I called and wrote XXXX a letter asking for my booking to be cancelled because I learned from XXXX that the XXXX was undergoing major renovations and guests were complaining about their stay. The renovations were not disclosed on the XXXX website. 
3. XXXX refused, both on the phone on XXXX/XXXX/16 and by an email reply to my letter on XXXX/XXXX/16, and instead assured me that there would be no issues with the renovations. I therefore had no choice but to use the reservation since it was prepaid. 
4. The XXXX was nowhere near the XXXX hotel that XXXX advertised on its website. It was very noisy, there was no lobby for the use of the guests and their visitors, an essential feature of a XXXX hotel, and the restaurant was also very noisy and probably contaminated from the construction. 
5. When I returned home, I disputed half of the $ XXXX charge to my Citibank credit card on the basis that I did not get the XXXX hotel that I had booked as XXXX had advertised the XXXX to be and committed to deliver to me. 
6. Citibank refused my dispute and gave me XXXX different reasons on different occasions : That the booking was non-refundable : While this is true, I argued that this does not excuse XXXX from delivering goods or services that were agreed upon. Not delivering what was agreed upon is a valid billing error. 
That I had received the goods/services : I asked Citibank how would I have known what kind of goods/services I would get if I did not go ahead with my stay at the XXXX, especially since they assured me that the renovations would pose no problems? 
That I did not provide Citibank with a credit slip from the merchant : I told Citibank this is not a " missing credit '' dispute, so how could I produce a credit slip? 
7. Citibank never answered any of my arguments above. Neither did Citibank ever dispute my contention that the XXXX was not the XXXX hotel that I booked and contracted for during my stay there. 
8. XXXX claimed that the renovations were disclosed. But even if that were true, XXXX admitted it was at the very bottom of its webpage, so this was not in accordance with " Truth-in-Advertising '' rules on disclosure of material information. I provided Citibank with the rules but I never got any comment on them. 
9. It is clear from Citibank 's irrelevant, evasive and round-about replies to the issues I raised that it never investigated my dispute as required by the Fair Credit Billing Act. This is one reason for this complaint I am filing. 
10. The other reason I am filing this complaint is Citibank never provided me the results of its investigation, in writing or by any other means, as required by the Fair Credit Billing Act.
Product: Mortgage

We were completely misinformed by their sales representatives when we went to the sales presentation. They lied to us about the availability, the ease of booking and the money we could earn by renting out the timeshare. We felt rushed and pressured into signing the contract and we were signed up for a credit card without our consent, we just thought they were running our credit for the timeshare purchase, not to open a line of credit! 
We cant find any place/time to book a vacation and their customer service is completely useless, as all we are told is to just book somewhere else. This is completely unacceptable and we no longer want to be associated with them or their timeshare program. We are requesting any necessary paperwork to cancel this contract and refund any money that is due to us. We will no longer be held prisoner by this scam of a product. Their sales representatives intentionally lied to us to get us to sign up for this program and we want to be released from any further liability.
Product: Debt collection

I have a debt from XXXX XXXX XXXX  about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with XXXX XXXX XXXX  until XX/XX/XXXX when I went for a car loan and dealership checked if XXXX XXXX would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is Portfolio Recovery in debt collections.
Product: Bank account or service

My husband and I a joint checking account at Bank of America, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Bank of America 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!!
Product: Credit reporting or other personal consumer reports

TD BANK USA/TARGETCREDIT is reporting on my consumer reports at XXXX, XXXX and XXXX. As a debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report. I never gave permission for them to share my personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I opened a secured card with Discover ( it ) with a XXXX deposit. Six days later I called and told Discover to cancel the account and return the XXXX. I had not received the card in the mail so never used the card. The funds were made from my bank via Savings account ( pic attached ) on XX/XX/XXXX. I cancelled the account on XX/XX/XXXX I was told they could only return the deposit via a check. It's 6 weeks later, I have called at least 7 times requesting my money be returned. Card was never activated and account closed on XX/XX/XXXX. Each time I call I'm told something vague and different from call before. On XX/XX/XXXX I spoke with " billing '' XXXX was told. The lady apologized for my frustration and said she would send a " request '' to have the XXXX put back into my account electronically. She said this would take 48 hours but could be as much as 3-5 days. I gave her my checking account number and routing number. I called on XX/XX/XXXX and spoke with a lady in billing, again, and she told me they never send money back via auto deposit. She said to wait XXXX days. I called again this morning and it was same type call. Absolutely no info on when my money will be returned. I live on a fixed income, Social Security. I need this money, my money, returned asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

I had started once to sending this service updated proof and it kick me out. I have been ignored Everytime I contacted XXXX or told quote " I can not help you ''. I have been reporting for months incorrect information on my credit and reporting disputes that are not corrected. I also had information that has disappeared, in correct information add to credit and nothing is done. I sign into the account it kicks me out and tries to block me and the same exact issue with TransUnion and they say I have know score when I do. I bust my but building up my credit to XXXX in XXXX and XXXX in TransUnion and in XXXX it drop in a day XXXX points and TransUnion now say I have no score when I have copies and photo of evidence as well was approved for a mortgage on XX/XX/XXXX. I have a lot of evidence and I filed a dispute many times with them and called of a incorrect address on XXXX on XX/XX/XXXX and the next day I received a email the investigation was completed. Every dispute I filed either XXXX hours later or next day I get a email saying it's been completed by XXXX. I have proof. I demand this criminal activity be taken serious its my identity and fraud. I ask that you please send me a email to send in all my document to you. I also have paid bills and XXXX paid off student loans that disappear and been showing on my credit and XXXX now has it listed under installments. These student loans been paid off and fall back years ago. I have to many documents of proof to send. Please notify me by phone or email with a email I can send them to. I am also kicked off when I log into my accounts at both TransUnion and they tell me I have no score when I do and have sent the proof and XXXX I get kick off and that blue sign appears telling me to contact them. Someone is tampering with my credit and identity. When I call XXXX they they can't help. TransUnion is the same way. Thank you
Product: Debt collection

XX/XX/21Received a letter of debt collection with 60 day period to pay or would not be reportedXX/XX/21Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reportingXX/XX/21 CONVERGENT OUTSOURCING has flagged your account as Collections onXX/XX/2021. 
XX/XX/21I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested
Product: Student loan

I have been paying my loans on time every month for 10 years. My loans were consolidated with Navient ( then XXXX XXXX ) in XX/XX/XXXXor XX/XX/XXXX, before the PSLF program was started. I work for a Qualifying XXXX and have for more than 10 years. Many, many years ago after the PSLF came out, I called Navient/XXXX XXXX to discuss PSLF. I was advised to continue to make my ontime payments and more information would be given to me as the details emerged. In the past few months, I have found out that my loans through Navient do not qualify for PSLF. 

I have had opportunities over the year to move into for-profit work making 1.5 or 2x my salary. I did not take these jobs thinking that the lower pay was worth it now that I would be getting my loans forgiven. 

I just tried to talk with the company again who basically told me I would have to re-consolidate with Direct loans and start all over. I would have done this at any point over the last 10 years had I known that I would not be eligible. Navient has bad business practices and should be held accountable for the inaccurate information given by their call center representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account # ( s ) : 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 has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish and account without my written instructions