23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX I had promotional plan with XXXX XXXX, that covered medical surgeries expanse. the plan allowed me to take XXXX $ loan for no interest payment during 12 month period wich would expire on XX/XX/XXXX of 2025. All payments were made by me on time and monthly. Unfortunately, the last remaining balance payment of XXXX dollars was declined by my XXXX account due to a suspicion of fraudulent activity ( it was unusual amount, not regular date and the transaction was named in the way that XXXX failed to recognized where the payment was originated from ). when I called chase, they failed for trace back where the payment for maid to, so they stopped the charge. Therefore such circumstances resulted in late payment and therefore my inability fulfill terms of promotional agreement and resulted in late payment charges but most importantly in accruement of interest charges for the full promotional length of the loan in amount of XXXX doll. which negated completely the fact that I was in strict compliance in agreement and paid XXXX $ of XXXX $ loan in time. 
MY MAJOR COMPLAIN is that the returned payment of XXXX doll happened on XX/XX/XXXX and XXXX  XXXX  failed to notify me by mail or by phone call or email of such issue, meanwhile creditor had all the means all my information is on file. Would i receive such notification it would provide me with sufficient amount of time to resolve an issue and complete paiment of XXXX in time before XX/XX/XXXX or thee days after, which is grace period. Would the XXXX XXXX fulfill their obligation of proper paper communication that would provide me enough time until XX/XX/XXXX ( end of promotional plan ) to arrange alternative payment option and pay me remaining XXXX doll balance in timely faction and avoidance of interest charges. 
I became aware of an issue on XX/XX/XXXX after receiving statement by mail After reaching out to XXXX XXXX, the customer service representative was unable to help me and the issue was escalated to supervisor level. after explaining myself i was issues and apologies for failing to notify me in timely fashion and consequences of late fees and return charge fee was waived, which I am grateful for. Unfortunately the interest charge I was told I am still responsible for. 
I am writing this complain in attempt to seek justice and hold creditors being accountable to be transparent and communicate with the client in timely fashion and in accordance of the agreement of any ongoing issues or changes, so such mistakes could be avoided on both ends. 
FYI. at this point I completely fulfilled my obligation and the loan of XXXX doll is paid in full. There is my understanding that it is in creditors discretion to waive interest charges, considering that they failed their part of the agreement to provide proper and timely communication via designated channels such mail or phone call, And the loan is paid in full at this time. 
Please assist on the mater. 
Thank you very much in advance for your support.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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. 15U.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 card or prepaid card

Venmo issued a MasterCard debit card. I use Venmo for business and transfer those funds onto the debit card. At first I used it strictly to withdraw cash, ultimately using for purchases. XX/XX/2023, I used it for a deposit st a local hotel/resort for {$100.00}. First, they do not designate the name of the facility and I couldn't figure out why it only happened for this charge but I quickly found out. 

Using their user agreement as justification, Venmo intentionally labeled the charge Hotel so when the resort submitted the final billing for settlement 2 days later and it registered XXXX the statement by the name of the resort, they did not marry it to the {$100.00} hold. After multiple attempts to have my funds released they REFUSED EVEN Though IT WAS SETTLED AND THE RESORT SENT COMMUNICATION STATING AS MUCH. Reps verified it was settled because they referenced the final amount submitted ( which I could not see posted ) and said they could not release the funds. I was repeatedly told to refer me to the user agreement that states they have a right to keep my money for 30 days. Guess what 30 days has come and gone and they refuse to release my funds. 

Now, they say it's a technical issue, their technical team is aware and they will email me " whenever '' they have information. No timeline..just, they will not give me my money back. Reps say they will escalate but no one contacts me. I'm pretty sure this is illegal. If it isn't, it should be. It's been 33 days since this charge was settled and Venmo after at least 8 requests have refused to refund me my money. 

Concerned, I checked and discovered Venmo has a business practice of not taking the merchant amount when submitted, claiming they can hold the money for 30 days then claiming technical errors hoping you just go away. They are thieves. If you dont ask for holds to be released, they steal it without you knowing and if you ask for it back they claim technical issues Do not use Venmo debit card. I hope they are investigated for these activities and the Venmo platform is exposed for fleecing it's customers..
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I see that these accounts has charged off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re investigate this account and ensure that correct fair and complete reporting is given. I don't believe the status of this account is accurate either. Delete it due to multiple violation. 

Charged Off accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS NOT CONTACTED THE LAWYER FOR CORRECT INFORMATION. I HAVE NEVER IN MY LIFE FILED BANKRUPTCY. THE OTHER 3 CREDIT BUREUA HAS TAKEN THIS OFF MY RECORDS. EXPERIAN HAS BEEN LAZY AND NOT DONE THEIR HOMEWORK AND IM TIRED OF THIS. I FILED 3 COMPLAINTS TO HAVE THIS TAKEN OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681.

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the FCRA the list of accounts below have violated my right to privacy and confidentiality, and my right to be notified by written consents in a timely manner. 15 USC 1681 s2 ( a ) ( 1 ) ,15 USC 1651s602, and 15 USC 1681 s604a ( 2 ) protect consumers rights. The Cfpb " Notice to Consumers '', if any information that has been deleted from the consumer 's reporting file, the consumers reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion.On XX/XX/scrub>XXXX I disputed several accounts on my credit report, the accounts were deleted, only days later to have those accounts reinserted.To date, I have not been notified of the reinsertion. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$860.00} Needs Attention XXXX Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my Experian, XXXX and XXXX Credit reports dated XX/XX/XXXX Two account are reporting inaccurately 1, XXXX XXXX # XXXXxxxxxxxxxx * Reporting I was 30 days past due in XX/XX/XXXX. This is not correct, I have never been 30 days late or more with this account. 
* Balancer being reported is inaccurate. Reporting a {$180.00} balance, I paid this account off, there should be a XXXX ( XXXX ) balance, Please update. 

2. XXXX XXXX Acct # XXXXxxxxxxxx ; Reporting the balance as {$960.00}, Balance is actually {$810.00}. Also reporting I was 30 days late for XX/XX/XXXX. I was not late, have never been late. Please update correctly.
Product: Credit reporting or other personal consumer reports

Hard inquiries without my consent and knowledge fraudulently 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is owned by XXXX XXXX and serviced by Freedom Mortgage. I have been unable to set up an online account with the servicer Freedom Mortgage for over three months. For that reason, I have been unable to set up automatic payments or any sort of payment plan for my mortgage. Problem : when I go to set up my account with Freedom Mortgage, the website says that my last name and SS number and loan number do not match the data in their records. I spoke with representatives from Freedom Mortgage over the phone around XX/XX/2023. They were unable to fix the problem but said they sent the issue to their IT department. The representative said that their IT department would fix the problem, and that she would call me back when the problem was resolved. I have not heard from Freedom Mortgage since. 

There appears to be no way to change the loan servicer if I am unhappy with the level or quality of service they provide. This is unfair, and should be changed because it affects my ability to pay off the mortgage. As a mortgagee, I should be allowed to choose who services my loan, not XXXX XXXX, which as far as I am concerned, is basically the federal government. If the servicer doesn't provide adequate service to the customer, then the customer should be able to require the mortgage holder to switch who services the loan. There should be consequences to the servicer for providing poor or inadequate customer service.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below are not mine. Pursuant to 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Accounts 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 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 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred ( or sold ) to Truist Mortgage in XXXX of XXXX.I have made all of the required payments on time however, Truist persists in erroneously showing that my XXXXXX/XX/201 payment was delinquent.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equidax continue to report inquiries I do not recognize and authorize for these companies to view my credit. 

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 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 XXXX
Product: Debt collection

I first found out about this debt because a third party collector sent me a letter in the mail with no information just stating I owed lvnv funding {$1100.00} and they appreciate my {$10.00} payment in XXXX but they need me to pay the rest off. First off I never made a payment because I was completely unaware of any debt. Second I contacted the company that actually collects their debts, resurgent, because there is a collection account under lvnv funding on my credit report and I recieved an email saying they have no account for me. Yet I have a collection account on my credit from them. So they asked for an account number but I do not have one because I just found out I had anything on my credit from them but I do not know what it is even for let alone an account number.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), I have a right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request again for these to be removed. Again the inquires that are not accurate are ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I have attached my FTC report
Product: Vehicle loan or lease

I " had '' excellent credit of 840+ up until a few days ago. Bank of America sent a 30 day late payment to XXXX  and my credit score dropped 90 points. My wife and I have two vehicles, both financed through BoA. Evidently there was a {$470.00} amount that had not been paid that we had no awareness about. There were no alerts or notifications to this point. Our payment every month is {$640.00}. So this doesn't make much sense. I take my credit history and score very seriously - I'm a XXXX XXXX Veteran and I take care of my business and belongings. In addition, I already paid this {$470.00} with another {$500.00} payment just to clear the air when we found out about it on XX/XX/XXXX. I completed a dispute with XXXX and they said nothing can be done, contact the business to resolve ( Bank of America ). They did nothing for me and said I must contact the credit bureau. We do not feel we were given ample time to investigate this matter and resolve properly before BoA reported it to XXXX. Now I have a significant hit on my report which I do not appreciate. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Village Capital and Investment Co Is trying to increase my mortgage on my account because of escrow account being low. However, they are using numbers that are not accurate because my mayor of XXXX, TX is suing my County Tax Assessor and her chief appraiser to reduce the taxes because of covid 19. Also according to FHA they are not allowed to do that due to this pandemic as of XX/XX/2020. I am being discriminated against by my mortgage company Village Capital and investments because every year they keep trying to increase my mortgage due to escrow shortages for county taxes. They are trying to increase my mortgage in the middle  of the year. When they all and well know that we dispute our taxes all the time and most likely it will go down as they do every year. My Mortgage company is not willing to work with me to come up with an option that I agree. They only gave me two options that are in their favor and not mine none of which I could afford. They wanted me to due a forberence on the increased mortgage as well which I can't afford so its also not in my favor. I need the mortgage to stay the same at XXXX. That is the only option I can agree with or go down. 

https : XXXX