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

I filed a dispute with my bank in XX/XX/XXXX for the item I paid for through Venmo because it was stolen. Merchant Venmos account was frozen for the time of investigation and the amount that was disputed was deducted from their account. Then, I decided to cancel the dispute and accepted the loss ( XX/XX/XXXX ) so that the merchant could receive the money back. 
Venmo failed to process the dispute cancellation. They claimed that the money was sent back to me, and I should contact my bank/card issuer, whereas the bank/card issuer confirmed that the money was sent back to the Venmo once the dispute was cancelled. It has been going on for 4 months without any resolution. Venmo did not provide any details, did not investigate where the money was and kept referring me back to the bank/card issuer. Neither I nor the merchant received the money back. The money disappeared and Venmo can not answer what happened. Merchant and I are still waiting for the resolution. We are both at loss.
Product: Credit card or prepaid card

I have made a purchase product has being received the payment, bluebird consumer services held my money and declined me the funds that was in my prepaid card several times. I feel my right is being violated. I am reporting this unlawful action against me
Product: Student loan

On XX/XX/XXXX I received a Wage Withholding Administrative Hearing Final Decision from XXXX XXXX XXXX XXXX with copies issued to myself & XXXX XXXX XXXX. The Decision states " Ascendium or Borrower may request reconsideration of this decision anything after 6 months from the date of this decision. '' I received a new letter from Ascendium dated XX/XX/XXXX stating they are starting attempts to collect from me already. 

I called them on XX/XX/XXXX to ask them why, based on the above decision they were contacting me already and they said my Final Decision had nothign to do with them and the amount was due and that they were going to start procedures on me. They were not trying to listen to the fact that my Final Decision said I have 6 months before they could reconsider. I hung up the call. 

I want to know how they are starting to begin collection again within the 6 months of my Final Decision. Don't I have right protecting me from this violation?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is abusing my credit by purposely reporting my payment status as 30-59 days past due this month of XX/XX/2019 when it is less than 10 days past the due date. They are using this as a tactic / aggressive collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows a real estate account as open that is closed. 
Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. 
I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback when I found inaccurate accounts listed on my credit report, and I have no idea why this is happening. I routinely check my credit report, but today there were errors that seemingly appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the accounts remained. I am beyond frustrated and am requesting that the documents I've submitted be thoroughly reviewed so I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXXXXXX Balance : {$620.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$110.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} "
Product: Credit card or prepaid card

I logged into my TD Bank Credit Card account on XXXX to ensure auto pay was delivered electronically on a regular basis. 

Upon opening, I saw attempts from XXXX & XXXX to take money from this locked card. Immediately, I called TD Fraud, I rechecked my alerts to find the phone number on file was changed to XXXX. THIS IS NOT my phone number, my correct number is XXXX as it has been for over 20 years. I was unable to send text alerts to my phone number as this number was there, refusing to change to my number. 

Immediately I changed the PIN number online, as there was little else I could do. 

I called an agent for TD and asked the number to be MY OWN, not the unknown number. She made the change, she texted a 5 digit auth. code. to XXXX. I received and we seemingly made the change. 

In the second phone call on XXXX I logged onto TD again to turn on alerts and found the number changed back to XXXX leaving me unable to effectively use the precautionary measures to stop the fraudulent charges. 

XXXX XXXX # XXXX could not answer how my phone number was changed without my notification nor consent as that is the security measure he explained is in place, how can I see a different number if I never verified a number change? XXXX had no answers for me, I requested to escalate to IT, request unmet. 

I have been communicative with TD as this is not the first time I have been stolen from. Last time I was left with a bill that I did not charge, this complaint was filed with the consumer fraud protection bureau. 

I called again. XX/XX/20 XXXX am est my phone number still isnt my own- how can i be alerted and WHY was my number not given the protocol of verification of change?! I never was prompted to by TD device protocol in ph # change. 

My past complaint with TD follows the same pattern where I am responsible to pay fraudulent debt and cash advances. 

Past complaint # was XXXX submitted on XX/XX/XXXX.
Product: Credit reporting

Equifax has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Equifax as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Equifax has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Equifax but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Equifax credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Equifax has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.
Product: Credit reporting or other personal consumer reports

The accounts in question are all fraudulent and a direct result of identity theft I've tried on multiple occasions now to have them resolved via direct dispute in which all parties have refused to honor the policies of the fcra and fdcpa
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not authorized by me, and they are dates that I tried not to request anything to raise my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither XXXX or Experian gives you access to your credit report online through the website XXXX
Product: Payday loan, title loan, or personal loan

my chapter XXXX bankruptcy was discharged. included in the bankruptcy was a title loan held by speedy cash of Kansas for my XXXX XXXX XXXX. Per the court filings I surrendered the vehicle to the company. Upon discharge of the bankruptcy I have contacted the company and they refuse to take possession of the vehicle and are still demanding payment. I request that speedy cash expeditiously retrieves the vehicle as of receipt and response to the this complaint or be charged ANY AND ALL APPLICABLE STORAGE FEES PAYABLE TO ME AND BE SUBJECT TO ALL REMEDIES AVAILABLE TO ME UNDER FEDERAL AND STATE STATUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.
Product: Debt collection

the same person keeps calling and I have told them they have the wrong person..
Product: Debt collection

I was viewing my credit report through XXXX and came across a negative account I didn't recognize. After further inquiring, I found out it was from a company called XXXX XXXX XXXX ( XXXX ). I gave them a call and they stated that the original creditor was CashNetUSA for a loan back in XXXX. I have no clue what that loan is and it does not show on my credit report whatsoever. XXXX is now showing that the loan was sold to them in XX/XX/XXXX and I have been delinquent with them now since XX/XX/XXXX even though I have never received contact by either source. It is populating in collections, lowering my XXXX XXXX, and showing past due of {$1300.00} as of XX/XX/XXXX. When I first tried to call XXXX ( XX/XX/XXXX ), I called the number located on my XXXX account which is XXXX. The call rang for several minutes before the voicemail informed me that all of their representatives were busy and I had to leave a message. Six days went by without any call back or email. I did some further researching and found their fake looking website with a different phone number at XXXX. When I called that number ( XX/XX/XXXX ), they gave me the information, I stated that I have no idea what this loan even is for, and they informed me that they are going to mail me a file with all of the information without any expressing on their part of them trying to correct any issues I might be having, no attempt at a settlement, nothing. Just a " here 's the information, we'll mail it to you '' and that was it. After doing more research, it looks like CashNetUSA is a complete scam and, I believe, that if this was a loan I took out six years ago, that this is them trying to re-age the account and get more money right when the seven year mark is about to hit to get it taken off of my credit to begin with ( even though it was never on my credit to begin with ). I really don't know what to do.
Product: Debt collection

Was contacted via text message in XX/XX/year>, " XXXX from DSR '' demanding information for me ( " verify location info '' ). I was contacted at least four times and each time I responded with " Any and all communication for the person you are trying to reach should be done via USPS mail. Please refrain from texting this number. '' The most recent time I added, " Better yet, please give me your company full name, address, and phone number so I can formally file a complaint with the government as I have expressed several times to stop texting this phone. '' They then responded on XX/XX/year> : " Apologies, but we can not release information via text. You will need to contact the office prior to the close of business day today XXXX. '' I responded : " Nope but I will forward this phone number over to the government and my attorney since you blatantly refuse to stop texting me or agree to communicate via mail. '' I found their company info online and sent them a picture that I knew who they were.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XXXX XXXX XXXX XXXX purchased the loans and this was placed on my credit. On XX/XX/ via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they purchased this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XXXX XXXX XXXX XXXX from XXXX stated, " XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the nine loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/ the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Product: Checking or savings account

I have XXXX {$500.00}. automatic renewable CD issued to parents XX/XX/XXXX. They were issued by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Signed in blue ink by their employees. The CD are in pristine condition and not signed or stamped as cash on the back. The CD are 5 years CD they could of been cashed in XXXX but were not. PNC Bank is the bank that is the owner of the issuing bank. I went to PNC Bank XXXX XXXX XXXXXX/XX/XXXX provided original CD in original envelope also a copy of one interest payment. They could find no record of issuing CDs or cashing CD no record of XXXXXXXX XXXX XXXX I feel that if they should have some record of payment if no copy of CD. Maybe this was all recorded by hand before computers. PNC representative said he could find no information on either XXXX XXXX would give to another department. Within 2 hour left a message could find nothing. I understand they may not have kept records but my parents kept CD. Bad Business. How do i know anyone even checked? Is there boxes or disc somewhere of paper records. The representative did suggest i check my state unclaimed monies there was nothing under either parents names or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their address was changed from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have previous had an auto loan XXXX and a refinance with XXXX XXXX a few years later. I currently have several credit cards and finance accounts with XXXX XXXX all opened within the past few years. In XXXX XXXX, XXXX XXXX sent me an offer for select customers to apply for a credit card. I submitted the application, only to be denied due to " accounts with XXXX were not paid as agreed ''. All of my accounts with XXXX have been paid as agreed. I contacted them by phone and was told that my account with my mortgage company is reporting as such. I do not have a mortgage account with XXXX. They stated that Ocwen/Litton is ( a sister company ) and has provided information that my account is not paid as agreed. I pulled a copy of my credit report and found that Owen/Litton did not report my account as if it were not paid as agreed. I previous sent a complaint about the misleading ways that my mortgage was being reported by ocwen/litton. Now they are possibly providing misleading " inside '' reports concerning my credit standing.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/year>, and I found that some addresses and other personal information to be incorrect. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C. 1681e ( b ). 

Experian continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter ( Evidence ) that Ive sent Experian in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through XXXX XXXX loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX
Product: Credit reporting or other personal consumer reports

NexisLexis consumer # XXXX case # XXXX before XXXXcurrent. 

I am getting bogus refusal letters from a XXXX XXXX XXXX to which I have never applied for anything. The refusal simply states it is based on a report from LexisNexis. That among other things, I have no insurance history. 

I have had own owners insurance for 20 years. I have had full coverage on my car for a minimum of 10 years with just three companies. XXXX, XXXX, and currently XXXX. So even withy what little information their refusal letter disclosed, it it obviously in error. 

My scores from the big there are consistently in the XXXXI have not had any lapse in insurance in at least 20 years, and I never requested a quote from XXXX XXXX XXXX XXXX first place. 

I have sent them a copy of my drivers license, and I have given them my social security number. But, for the second time, they claim they will not process my request for my file based on lack of proving my identity. I can send you copy of the JPEG of my drivers license to see for yourselves, the same JPEG was entirely legible to the XXXX XXXX to renew my license, and to ID me for online validation. 

I have a legal right to see what they have on whatever file they think is me, but, they are procrastinating at best, or, an underhanded refusal at worst. I suspect they know their information is bogus and are simply hoping I will give up and go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to correct issues on my credit report with Experian, I am considering legal action against them. They have violated my rights in accordance with the Fair Credit Reporting Act by illegally verifying inaccurate information without providing proof and not performing a thorough investigation as the law requires.
Product: Credit reporting or other personal consumer reports

Credit Acceptance knew and agreed Vehicle was totaled XX/XX/XXXX insurance paid all but $ XXXX gap insurance was supposed to pay off the Vehicle they refused I had a agreement to pay {$100.00} a month starting in XXXX full XX/XX/XXXX, gap they refuse to give me my outstanding credit vehicle was paid as agreed and now paid in full, my credit score dropped XXXX point for the 2 month the claim I did not pay
Product: Credit card or prepaid card

I was so surprised when looking over my credit report and found a late payment in XX/XX/2018. 
I don't even know how this happened. I believe I always made my payments to you when I received my statements. My only thought is that my statement didn't get to me.