23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted F.T.C identity theft report, with a copy of my identification to Experian. Experian states that they could not block the account which is due to identity Theft. 

XXXX XXXX XXXX mailed a letter without debt validation and states that the account was open more than seven years Experian does not want to remove it even though it is more than seven years old
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.
Product: Debt collection

I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name SPEEDYCASH COM XXXX VA of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as a negative account and it should not be.
Product: Credit card or prepaid card

Company XXXX XXXX, its a jewelry store. The bank credit card is Comenity Bank  XXXX XXXX XXXX XXXX Ohio XXXX. I purchased in XX/XX/2019 a watch in their store in XXXX.I opened an account to get a promo of interest free for 6 months. My first due bill arrived mid XX/XX/2019. I do my online banking thru my bank to pay my bills. I sent them my payment right on time to be paid on the due date XX/XX/XXXX the amount of {$610.00}. When I received my next bill in XXXX, they charged me {$27.00} dollars late fee which I was not late paying them. I called them and explained to them that my bank told me that it was paid on time XX/XX/XXXX the due date and I have a proof of payment that they got my payment XX/XX/XXXX. The Credit card Comenity bank insist that they received my payment XX/XX/XXXX. Mind you the month of XXXX is short, I made sure they get the payment right on time XX/XX/XXXX. They are not very helpful, they are very abrupt and nasty. I even ask for the supervisor and shes the worst Person I ever spoke to. I even called the store in XXXX and spoke to the person I purchased the watch and she said shell look into it and she said the bank dont remove late fee once they applied it to your account. Im not late paying them, Im on time. I have a good credit line, I pay all my credits on time. I never have any issue with any credit card company. XXXX bill, I paid off all the balance of {$1000.00} and told them to close my account. XXXX bill, they sent me a bill of {$27.00}, which was the late fee they are charging me for XXXX, which I was not late paying them. I called them again and they told me to send them a proof of payment so I went to my bank physically and obtained a copy and sent it to the above PO Box address. They never respond .Now its XX/XX/2019, they send me another late fee and they multiply the {$27.00} so they claimed I owe them now {$54.00}. Mind you I paid everything and now they are after me for a {$27.00} late fee that I did not do. I called them again and they threatened me that they just keep multiplying the XXXX every month. What kind of bank is this? I was not late paying them. I was on time and my bank confirmed that they sent it on time .Its only XXXX but its the principle that Im fighting. Im a good customer, I always pay my bills on time and if its my mistake I will do whats right but I did nothing wrong. I paid them on time! Its a scam!!! They are trying to ruin my credit because of their mistake. Please help me solve this problem.. thank you.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX. XXXX, XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX  : XXXX -- -> {$12000.00}
Product: Student loan

My loan was originally signed in XXXX and XXXX for the amounts of {$18000.00}, {$24000.00} and {$24000.00}. Each loan balance is well above {$50000.00} at this point. Illegal fees interest has been applied to my loan done by Discover Student Loans and XXXX.
Product: Credit card or prepaid card

I made a {$20.00} donation using a credit card and PayPal gave no notice that this would be charged as anything other than a regular credit card transaction. Instead, they processed it as a cash advance, resulting in a {$10.00} charge from my bank, XXXX XXXX.
Product: Checking or savings account

Im a veteran and Ive applied for USAA and they have denied my account
Product: Debt collection

In 2011, I first noticed that a XXXX XXXX bill appeared on my credit report when I attempted to purchase my first vehicle. According to my credit report at the time, someone by the name of XXXX XXXX, who resided in XXXX, California at the time, had used my Social Security number as a cosigner for her to get a XXXX phone. This charge had fallen off of my credit report in XXXX timeframe, however, when my husband and I recently wanted to look into buying our first home, the credit repair company we worked with pulled what they called a deep dive report that they claimed will pull anything lingering on our report, even if it has fallen off. It was at that time that the XXXX XXXX bill came back onto my credit report as if it was a brand new collection account. Considering how long I have been disputing this account and have proved that it is not mine over and over again and XXXX and the creditors continue to sell the debt and ruined my credit is unacceptable. I need someone to intervene and get them to stop. It is {$700.00} of debt that is not mine, and I refuse to pay for someone elses debt, and they should be going after the person who owns the account, not me.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2020 I booked a vacation rental with XXXX XXXX  a vaccination rental company..I booked the trip for my daughters middle school XXXX.I paid a total of {$2100.00} to rent the property from XX/XX/2020 till XX/XX/2020 with my American express card.On XX/XX/XXXX XXXX XXXX XXXX company canceled my reservation due to corona 19 virus.I have attached my paid reservation confirmation and also the cancellation letter that was sent on XX/XX/XXXX from XXXX XXXX called XXXX XXXX Many time with out any luck of getting a live person.I then put a dispute on the charge. Since then I have talked to American express many times to many to count .And each time they say they will have a supervisor look at the dispute but nothing ever happens XXXX XX/XX/XXXX the balance of {$2100.00} is due in full or they will charge me a high interest rate and if i do not pay, it will go on my credit report.I have been a loyal customer with an excellent payment history.I feel like i am being taken advantage off. please help. I have attached all documents that were required and they are still not crediting my account. i have attached the documents so you can see. i thought this was a clean cut case since i have all the documentation so why will American express not refund my card!!
Product: Credit reporting 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Mortgage

This reply provides more lies communicated by this services SHELLPOINT I have been requesting an amount through my complaint for a payoff I have text from XXXX haas stating they would not take the purchase price plus 10 percent I even offered XXXX they said that was less than I owed if they had told me they were not going to sell it back I could have moved out and not lost my belongings to an eviction but like I stated in previous complaints they wait till after deadline to respond eviction was on XX/XX/year> response was received on XX/XX/year> this is the worst company I have with in my life not just deceptive they lie to customers
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2018, I opened a billing dispute with American Express for a charge of {$700.00} that was authorized on XX/XX/2018 to the merchant " XXXX ''. This charge was for haircut and color I had done at this salon. I disputed the transaction because the stylist didn't provide me with the service I requested and the service was defective. Dispute reason code : C32. I provided American Express with a letter explaining what happened and why I'm disputing the charge. More importantly, I provided a copy of the text messages conversation with the merchant showing that she offered to " fix '' my haircut and color at no additional charge which constitutes an acknowledgment from her that her service was defective and needed to be re-done. I also provided American Express with pictures of the service I requested versus pictures of the service I received.

I contacted American Express today, XX/XX/2018, to inquire about the status of this case and was told that the dispute was closed in Merchant 's favor because the merchant provided a copy of a signed document showing that I authorized the transaction and paid a tip.

It's the standard at Women 's hair salons to pay a tip and It doesn't mean the customer is happy with the service, I actually paid her the least acceptable tip and as I explained in my letter, I didn't realize the service was defective until I went back home and had the proper lighting and took pictures of my hair to document the defective service I received.

I am astonished that Amercian Express Ignored the fact that the Merchant acknowledged the service was defective by offering to " Fix '' my hair at no additional charge and closed the case in Merchant 's favor based on the signed document that I authorized the transaction. The reason code for my dispute is C32 : Service Defective NOT F14 ( Missing Signature ), F24 ( No Card Member Authorization ) or A02 ( No Valid Authorization ).
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX, my friend need an emergency loan of {$800.00}. Since I have been a Venmo customer for years, I suggested we use Venmo to get him his money. 
I only had a {$300.00} balance in my Venmo, so I transferred {$800.00} in from my checking account. He had a freind of his set up an account that night since he didn't have an account prior to this. Venmo charged a fee for the transfer AND they wouldn't allow him immediate access to the funds, so he had his friend return the {$780.00} and had me send another {$800.00} to his girlfriend. Rather than use the {$1100.00} in my account, Venmo initiated another {$800.00} withdrawal from my link bank account. When his girlfriend received the funds, she realized that there was a XXXX to 5 day waiting period before the funds would be available. She returned the {$800.00} top my Venmo, and we ended up using PayPal which went through instantly and was a breeze. I used Venmo 's chat feature to get the {$16.00} back, and the representative said it wasn't a problem and that he would return the {$16.00} to me. 

On Friday, XX/XX/XXXX I tried to transfer the {$1600.00} from my Venmo back to my checking account so I could pay my bills. It was at this point I discovered that Venmo had frozen my account due to suspicious activity. Ok, no problem, I'll call them. The representative I got informed me that customer service can't unfreeze an account and to refer to an email, which I did and that email referred me to customer service. I was then told that I would need to send an e-mail to submit a ticket and that a representative would be in touch with me in 3 to 4 business days. At this point they have MY funds, which came from MY bank account, which I need returned to MY bank account and they are refusing to do this for me. I must wait four days for a representative to contact me to unfreeze my funds, at which time it will still take XXXX to 5 days to receive my money. They then tell me that the {$16.00} was returned to the random person I don't even know. I send {$800.00}, they receive {$780.00}, they reverse {$780.00} back to me, why on Earth would you credit them the {$16.00} and not me? How this is legal is beyond me. They are clearly using my funds to earn carry by reinvesting them and simply don't want to unwind their cash reinvestment. They weren't kidding when they said my account was being frozen for suspicious activity, only Venmo is behind the suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed any payments on the following account XXXX XXXX XXXXXXXX XXXX - XXXX XXXX. Please investigate to ensure accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount XXXX Date XX/XX/2021 I asked transunion for information that this was accurate because I have no knowledge of this account and they havent sent me anything regarding information to be accurate.
Product: Debt collection

This date is during XXXX & scamming. XXXX identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I can't purchase anything as this information is defemation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an Account without my written instructions.
Product: Credit card

I have a rooms to go credit card with TD Bank. I enrolled in online statements, but the company has not provided online statements. Nor has the company provided written statements, which include the charges, due date, or amount due. The agreement states that they are supposed to issue a bill 5 days before it is due, but, instead, they issue the statement 5 days or more after it is due, when they have already applied a late fee. The late fee is applied without giving notice before the due date of when the amount is due, or how much is owed. I put them on notice of the problem, and complained about it last month. But, they did it again this month. Also, I currently do not have access to the statement allegedly issued on XX/XX/XXXX ( 5 days after the due date ), but rather, when I click on it, it gives me an error message. I believe this is a scam to make money off of late fees, since this is a zero interest for 18 months credit card. Further, they are doing this with malicious intent and full knowledge because they were put on notice of the problem last month and failed to rectify it. I have again demanded a refund of the improperly charged late fee.
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for the ( 5 ) violation of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXand delete from my credit report. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter, which is dated, and time stamped, and invoice attached.
Product: Money transfer, virtual currency, or money service

I sent money ( XXXX $ ) to my mother through western union ( MTCN # XXXX XXXX XXXX ) and i used my XXXX   account. I put the wrong address that's why she never had a chance to claim it. I decided to go to onilne help, they told me that there's no way to change the address, and then they advised me to refund it instead. I refunded it last XX/XX/XXXXand they told me that my money will be returned to my account for 7 banking days. Until now, im still waiting and there's no money returned.
Product: Vehicle loan or lease

We brought a vehicle back in XX/XX/XXXX. Our son totaled the car months later. Insurance was paid to cover a portion of the vehicle ( ~ $ XXXX ). GAP was to pay their portion ( {$870.00} ) and we were supposed to the remaining amount ( {$270.00} ). However, my son made another payment based on the letter he received in XX/XX/XXXX informing us of the balance. That being said there were issues internally where the money from GAP did not get transferred in time and the account was charged off. As you can imagine our credit score was shredded by over 100 points. 

XXXX XXXX agreed that this was their mistake ( " we take full responsibility '' ) as of XX/XX/XXXX ( my wife 's birthday ) but has shown no urgency in making things right. I have personally been dealing with XXXX XXXX of XXXX XXXX ( dealership we purchased the car - in fact we bought 2 cars ). 

XX/XX/XXXX ( XXXX ) : In an email thread between XXXX XXXX and XXXX XXXX there was a procedure referenced that informed us the steps that would be taken to fix our credit. This is the exact verbiage - Hey XXXX, The account shows {$0.00} balance as of XX/XX/XXXX. 

Once the dispute letter is received and reviewed by the Credit Dispute group, if approved they will notify the customer and all 3 bureaus with an AUD number. The AUD number is the control number/confirmation number where a lender authorizes an edit to the customers credit report. The bureaus will then make the changes. The changes, we are told, typically take 60 90days. If a customer calls the bureau directly with their AUD number, they can request a manual update. 

Thanks, XXXX XX/XX/XXXX - We received the refund in the mail on this date. XXXX could not advise us on when we would receive this but continued to tell us he had no information yet he was emailing Hyundai Motors Finance. How does a check come to us and the people he was emailing have one in the system for us and in the mail. Yet, he could provide no details? 

XX/XX/XXXX - As of today there is no update on our credit. As mentioned above you can see the steps they were supposed to take but nobody can advise us with an update nor an AUD number. In fact, my son got a call today stating the very opposite. That Hyundai WOULD NOT be able to do anything to repair our credit.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report this evening and am at a loss as to why theyre there. I regularly check my credit report, but this time there were discrepancies that seemed to come out of nowhere. I even refreshed the browser to see if it was a technical issue, but the unauthorized inquiries remained. Im deeply disappointed by this and ask that my documents be thoroughly reviewed to prevent this from happening again.