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

I was in XXXX XXXX, LA from XX/XX/23 to XX/XX/23. On XX/XX/23, I was robbed of my cell phone, and I had no access to the phone this entire day. During this time, the user was able to log into my Cell Phone, and use my Venmo to send XXXX separate transactions, XXXX for {$1900.00} to a XXXX XXXX, and another for {$850.00} to a XXXX XXXX. Since I was not in possession of my phone at this time, I did not authorize either of these transactions to occur. I discovered these transactions on XXXX, when I went to buy another phone to find that these fraudulent transactions had taken place while the stolen phone was in another person 's possession. 

I have spoken to Venmo Customer Support to understand what happened, and I was told that both of these transactions were disputed, resulting the {$1900.00} dispute being closed, and the other {$850.00} dispute being ongoing in investigation. I was instructed by Venmo to follow up with the Dispute email to explain my situation and what had happened. Venmo is claiming that I owe {$1800.00} back to them as a result of the {$1900.00} fraudulent charge, with the {$850.00} charge still pending. I have never used Venmo to send someone more than {$500.00} in my entire time of using Venmo. 

Additionally, whomever did rob me of my cell phone also was somehow able to use XXXX XXXX to send out XXXX different fraudulent transactions from my XXXX XXXX debit card that was stored in the XXXX XXXX, each for less than {$250.00}. I have submitted a fraudulent claim with XXXX XXXX and I am awaiting their response on this matter. 

I do not expect Venmo to refund these charges, for historically Venmo customer service does not side with users who experience fraudulence like this. I have had XXXX XXXX place a freeze/hold on any collections that come from Venmo in XXXX future. I do not {$1800.00} to cover this fraudulent charge, even if I wanted to pay this off regardless of the Venmo Dispute outcome.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

THIS LOAN DOES NOT BELONG TO ME SOMONE USED MY INFORMATION MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THIS CARLOAN I HAVE TRIED TO FIX THIS FOR YEARS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA XX/XX/20, I mailed XXXX, XXXX   and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My subsidized and unsubsidized loans were " forgiven '' in XXXX of XXXX. I have been paying on them for well over 20 years so the time was up. Anyway, they show as paid in full on the provider 's portal but still show a balance on my credit report. There is also a refund of over {$3000.00} due to me that has not been received. I disputed this with the credit bureau but they were advised the reporting was accurate?
Product: Student loan

In XXXX, my DIRECT loans were transferred over to XXXX XXXX XXXX and from the very beginning I started having problems with them, mainly that they kept changing the terms of my loans without my consent or notification. I went round and round with them on this and finally had to enlist the help of the Dept of Education 's Ombudsman 's office for assistance. They told me the only way to get out from under XXXX XXXX was to re-consolidate my loans and request a different servicer. I told them I was interested in the PSLF program so they helped me fill out the paper work and get on the right repayment plan and pick a new services - XXXX XXXX Servicing. 

I began making payments on the new loan in XX/XX/XXXX ( the first payment of {$200.00} was made XX/XX/XXXX ). I made payments to them as directed and, in XX/XX/XXXX or XX/XX/XXXX, I received a letter from XXXX  XXXX saying they were now going to service my loans as they were the only servicer for the PSLF program but to keep making payments to my current servicer ( XXXX XXXX ) until the account was fully transferred. Needless to say I was less than thrilled but kept making my payments as instructed. In XXXX I made my first payment directly to XXXX XXXX and have done so since then. 

When I filed my first certification of employment form ( I was told to do this often to ensure that my payments were being properly credited ) I received a letter back indicating a different number of qualifying loan payments. I called them immediately to fix the problem and we've been going round and round ever since ... 

Long story short, I began making payments on the PSLF qualifying repayment plan since XX/XX/XXXX but XXXX XXXX refuses to acknowledge the payments made in XXXX, XXXX and XX/XX/XXXX. The first payment they report on their site is XX/XX/XXXX, and continue to tell me that the payments made to XXXX XXXX prior to that are ineligible. I have bank records indicating that payments were made, and more importantly, payments were also made between XX/XX/XXXX to XX/XX/XXXX, but XXXX XXXX will not include those either. 

There are a whole bunch of other issues with XXXX  XXXX that I've had over the past 4-5 years, but this is the most pressing one as of today. 

I've been trying since XXXX to get this issue fixed and it has been 4 years with no resolution. Please help me get this resolved ...
Product: Student loan

The student loan company I am complaining about is XXXX XXXX XXXXt formerly XXXX  XXXX XXXX and AES. I applied for {$15000.00} student loan in XX/XX/XXXX so I could start taking Fall XX/XX/XXXX classes at XXXX College in XXXX. I started making payments in XX/XX/XXXX. Then, I noticed they have stopped updating the remaining balance information for at least a year ; Around the year XX/XX/XXXX, I called and spoke to a young man who put me on hold so he can calculate the real remaining balance and he told me it was at least $ 10k from the original $ XXXX+. A few months later, I called again ( because the update was never made ) and spoke to a woman whom refused to look into the balance problem and told me the current balance was correct. In late XX/XX/XXXX, I realized they have seldom been sending me 2 bills for one month with different balances of at least $ 14k remaining with the exception of XX/XX/XXXX when they sent me 3 bills with different balances of at least $ 13k remaining. Additionally, they have messed up my credit by filing the wrong information ; they refused to update my credit information past the year XX/XX/XXXX. Also, I have yet to receive my XXXX Form for XX/XX/XXXX from them. I called and left a message for them to call me back on XX/XX/XXXX but, no one did. These crooks have assigned XXXX XXXX , XXXX to collect my debt and every so often they try to pressure me to pay more than is, currently, affordable.
Product: Credit card

I had asked for the card to be cancelled in XX/XX/year> - The card was not cancelled. 
Then I was charged an annual fee in XX/XX/year>. I mentioned that I had requested closing the card and requested a refund. I was refused. I paid the annual fee amount. Then I asked for closing the account. That didn't happen. I accidentally charged {$13.00} to the card on an online food delivery app from an old saved setup. Now I am being charged {$37.00} fee for the {$13.00} buy. Total my current fees are {$50.00} and my credit score has fallen by XXXX points. 

Proof of all of this is attached. 

Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the wrong birthdate on my report now. 
I was not born in XX/XX/XXXX. I was born in XX/XX/XXXX. TransUnion is still reporting my address wrong as well. My address is ( XXXX XXXX XXXX ) -NOT- ( XXXX XXXX XXXX ). I believe they are intentionally making these changes to my report on purpose because of my disputes to cause me financial harm and distress. 
I have disputed items on my report in the past and i have always provided my id and SScard. Why all of a sudden after i dispute items on my report my birth date changes and my address. Again how can you do a PROPER INVESTIGATION if the information you are reporting is WRONG. 
( XX/XX/XXXX ) is my birthdate. 
So if they claim to be doing investigations into my disputes how can they find any of them to be mines if TRANSUNION does not even have my BIRTHDATE correct. 
So this means all of there investigatios are fraudulent and they have not done any proper investigations at my request. 
NOW I ASK AGAIN THAT THEY REMOVE ALL OF THESE INQUIRYS FROM MY REPORT, CAUSE NOW I HAVE LEGAL GROUNDS TO FILE A LAWSUITE. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX PLEASE DO NOT TRY ANYMORE STALL TACTICS AND SEND ME ANY LETTERS ASKING FOR MY ID BECAUSE MY ( NY STATE ID ) IS INCLUDED WITH THIS LETTER AS WELL AS MY SS CARD.
Product: Debt collection

Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abuse acts and tactics to attempt to collect debts, so we paid the creditor XXXX XXXX XXXX XXXX directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.
Product: Debt collection

I bought a suit from XXXX for approximately {$1600.00} around XX/XX/2015. For some reason or the other I did not receive the bill from them. Once I realized after a while I went to the store and inquired about not receiving the bill with the clerk. She told me what the outstanding amount was with late fees and penalty. I did not agree with the late fees and penalty but paid for the merchandise that I had bought. The clerk also agreed and said they will take the penalty and late fees out. 
Which I realized they never took it out. 
And now I get calls from some other company ( Portfolio Recovery Associates ) for the late fee and penalty which I vehemently dispute.
Product: Credit reporting or other personal consumer reports

c THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX 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, OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/XXXX, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian : I have attempted 4 times to have a fraud alert removed from my record. They remove it and then it is added back. You can no longer talk to a person, so there is no way to ensure this is handled correctly. I can't even go in and remove the fraud alert, I am not contacted when they put it back on, I have to contact their ai which tries to put another fraud alert on my account. The numbers are XXXX and or XXXX. 

I now have lost almost 20 points due to multiple pulls on my credit every time I try and get business or personal credit or loans. I have dropped to XXXX from XXXX. If this is going to continue to be one of the main finncial instititutions that controls almost all financial aspects of our lives we should be able to ensure accurate reporting and not pay penalties due to their lack of accurate recordkeeping.
Product: Credit card

I have an Apple Card issued by Goldman Sachs. The Card gives rewards for things purchased and subtracts rewards for things returned THAT WERE PREVIOUSLY PURCHASED. 
However, the Card ALSO is taking back rewards for credits, which were NOT purchased with the Card. 
Such credits as would otherwise be treated just like a PAYMENT. Would the Card take rewards points back if a customer made a payment- NO. 

Well, I bought an XXXX XXXX NOT using this card many years ago. I recently bought another phone using the Apple Card and as a trade in sent my old XXXX XXXX in. Apple issued me a trade-in Credit ( LIKE a PAYMENT... NOT a RETURN of purchased merchandise ) of {$70.00} and Apple Card subtracted Rewards points from my Card for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 
Dept EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
US DEPT ED # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
US DEPT ED # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been trying to get into my credit report accounts to try and dispute inaccurate information and I put an identity theft alert on my account that has not been honored. I noticed a few discrepancies that needs my attention and I cant access any of my accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information Please Remove all the following accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX : .Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.