23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Sir or Ms. : This comsumer complaint is being sent to your office after Venmo 's unlawfully freezing my Venmo card account for nearly 3 months without any authority and consent, In XX/XX/XXXX to XX/XX/XXXXVENMO HAS STILL CORRUPTLY HELD MY {$11000.00} deposit was made from my fiancee ' XXXX XXXX 's late father 's sale of his property into my Venmo account. The deposit was to repay me {$10000.00} she got from me, and her repaying me back from her sold real estate her attorney sold in her inheritance. 

Similarly, nearly {$25000.00} was illegally transferred from my XXXX XXXX bank acct. and {$3500.00} was unlawfully removed from my Venmo card acct., with -out my consent, authorization, or any legal In and after XX/XX/XXXX, XXXX XXXX and Venmo froze my accounts containing about {$23000.00}, total. 

Venmo never told me, replied to my many attempts to learn why it was frozen, what caused the freezing, and what I can do to unfreeze my funds. That unlawful silence went on for more than 10months to this date, XX/XX/XXXX, 18 months later, VENMO REFUSES TO TRANSFER MY {$9000.00} BALANCE to my XXXX AND CHASE accounts by wire transfers. 

After nearly 14 emails Venmo has not my reply texts demanding {$11000.00} be returned, Venmo C/S and executives never replied. Alternatively, C/S wrote it will get back to me in 8-14 calendar days. After 19 MONTHS, Venmo still did not ever answer specifically WHY IT HAD FRAUDULENTLY WITHHELD my money. My monthly bills came due ; Venmo still refused after 10-months to return, my {$3500.00} it allowed to be stolen and my current {$8700.00} in my VENMO CARD ACCT.. then never refunded it even after I filed Whereas, VENMO sent me a letter, ( copy attached ) that it is holding my funds {$11000.00} for 10 months XX/XX/XXXX to XX/XX/XXXX. However, VENMO IS STILL earning interest on MY FUNDS, but not paying me {$300.00} of dollars it earned in interest on my {$11000.00} money. 

Therefore, I am seeking to file a classaction suit for various legal crimes and consumer fraud, or consumer violations as this Court determines from our classaction complaint and attached documents, ( exhibits ), supporting consumers claims against Venmo bank card. 

Respectfully yours, XXXX `` XXXX '' XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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/XXXX
Product: Vehicle loan or lease

I purchased a vehicle in XXXX that was financed by bank of the west, as of XXXX they were bought or by BMO Harris My original loan was transferred to BMO, apparently Bank of the West had been charging me late fees and applied them to my account not the bank end of my loan. My original loan amount {$20000.00} when my loan was transferred I only had in XX/XX/XXXX my balance was {$3300.00} I made a payment of {$360.00} leaving me at {$3000.00} and then I made an extra payment of {$110.00} bring my balance down $ XXXXnow fast forward to XX/XX/XXXX I made a payment bring my running balance down to $ XXXX.on XX/XX/XXXX I entered one of BMO banking branches and made a cash payment of {$990.00}. But because it was a Saturday it did not show the occurring interest of {$3.00} so on XX/XX/XXXX I went ahead and paid that {$3.00} which should have brought my balance to paid in full XXXX. I contacted the bank to verify that was the case and then they spring on me these so called late fees that were added on to the bank end, but not to my monthly payments the following months. They are refuse to report the XXXX as paid in full and they reported to all 3 credit reporting agencies false information.
Product: Consumer Loan

It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. 
I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. 
I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. 
Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. 
The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. 
So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. 
How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????
Product: Credit reporting 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 bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Identity theft. Someone tried to apply for a XXXX XXXX credit card in my name and it has been applied to my credit report as a hard inquiry. I an submitting this request and dispute to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]
Product: Mortgage

I refinanced on my first mortgage with Wells Fargo, and closed on a Heloc at the same time. I was supposed to get a XXXX draw on my line of credit at closing, however as the weeks passed and the draw never made it to me, Wells realized they made an error and somehow posted the XXXX to pay down the balance on my first lien. After the loan funded, and I confirmed the XXXX was in route to me, I took out a loan with XXXX ( as that was the whole premise of getting a Heloc, due to needed home repairs ). Wells has admitted many times over the last XXXX weeks ( XXXX weeks since closing ), this was their error due to a new system and the Heloc and first mortgage department not working well together, and that they would " make it right and refund the XXXX ''. I am now being told just because I live in Texas they ca n't make it right, and I am now out the XXXX. I was also told I needed to make the payment on the Heloc as of XXXX otherwise my credit would be impaired. I made that payment, however I am now paying on a Heloc payment I did n't receive, at a higher interest rate than my first mortgage. This makes XXXX sense, and Wells Fargo needs to figure out a way to right the wrong. I should n't be penalized because of living in Texas, even if this means they write a check to me for XXXX, write off my Heloc so I can apply for a new one or pay off my XXXX 's account. It 's been XXXX weeks and no one seems to be giving me updates. I asked if I needed to get an Attorney, or lodge a formal complaint and was told they handled that for me. This is a large problem. I XXXX and know that if a mistake is made, it has to be fixed. I do n't care that my first was paid down, that was n't the point of spending XXXX painful months working on a refinance with Wells.
Product: Money transfers

My bookkeeper notified me to an unknown transfer from my WF to a XXXX account I confirmed the $ XXXX transfer was fraudulent I reported this to Wells Fargo but they denied my claim because of a transfer to the same unknown XXXX account in 2013, for {$10.00}, which was obviously also fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.
Product: Debt collection

The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left.

They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. 

They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. 

I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. 

At the moment this issue is preventing me from being able to pass a credit check and move into a new home. 

XXXX  is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.
Product: Checking or savings account

On XX/XX/XXXX I called US Bank because I've been told repeatedly that I could go to a ATM to deposit when there are no machines in Virginia to deposit just withdraw So the bank rep told me to mail my deposit. 
US bank recieved my deposit on the XXXX and the XXXX put my XXXX deposit in the system saying reversal deposit so I called the bank and nobody could see it so I did co browse with 5 different bankers 3 days later XXXX it shows up as a deposit pending I am so disgusted that a banking institution has people working there and giving out wrong info I am suffering behind us bank. I have no food to eat cant pay my Bill 's They told me my money would be available on XX/XX/XXXX I have been told that it would be available in 3 days to 5 days to 7 days to 10 days. I want every call pulled to XXXX XXXX who said he didnt have a contact number I need the bank to stop sending my Bill 's  back when they have my money and I have emergencies I have talked to them o er 25 times and at this point I want all my funds and I dont want to deal with a bank that doesn't know their own policies. This has been a worry situation. Being told lies and caused me pain and my XXXX was racing to a XXXX attack I've been through it cause I'm XXXX
Product: Debt collection

this debt is from XXXX when my mother was the primary onthe account and passed away during XXXX and i have been harrassed ever since to pay adebt that is not mine
Product: Credit reporting or other personal consumer reports

XXXX account has been opened fraudulently and i have asked several times for this to be removed from my account and yet it remains, this is hurting my chance of getting the vechile that I want.
Product: Debt collection

Jefferson Capital is constantly calling me and sending me Letters about this Debt.

Jefferson Capital Systems llc. 
JCS Reference # XXXX Debt Description : XXXX XXXX Amount of Debt:XXXX I have over the Phone as well as in Writing Told Jefferson Capital that this is not my Debt. I have repeatedly told them they need to Verify this Debt. They need to send me Documentation I personally Signed with Copies of my ID where I opened this account.

I have told them this is the law under the Fair Credit Reporting Act. However they never respond other than to keep calling and keep sending me Letters.

So I told them please do not contact me about the Matter anymore as I am not going to pay it. As they are able to show any Proof that this account is mine.. Still no Response on the matter just more Phone calls and more letters.

I think they think they can Bully People into Paying these False claims they have. Also this is making it really hard being on my Credit report. It is causing me undue XXXX  by keeping my Credit Score Lower than it should be.

So What I am asking is that since they have Failed after Numerous attempts requested to show me the Proof of the account. As well they have Failed to Stop Contacting me as I requested. Which is also FCRA Rules.

They need to Remove this Close and Remove this account from my Credit Report Immediately.
Product: Debt collection

In 2019, I paid for aligners from XXXX XXXX XXXX and only received half the box I was promised. When I alerted the company they had me come out to do another consultation but never sent the new aligners. Then they started billing me for services they never provided. I kept calling to clear it up but they charged the debt off and gave the account to two different companies. Currently MRC has the account and refuses to stop calling and leaving messages even though I don't owe this debt, if anything XXXX XXXX XXXX owes me money.
Product: Debt collection

To Whom It May Concern : I've sent a letter to a collection agency to validate and verify a debt of a mount {$1000.00}. The US Postal Office was unable to verify the collection agency address : ALLTRAN EDUCATION INC XXXX XXXX XXXX XXXX XXXX, IL XXXX http : //alltran.com/ ( XXXX ) XXXX It appears to me someone was trying to collect a debt by using my name as a debtor. Will you please look into it?
Product: Debt collection

Midland Credit Management purchased debt from another company and I had no involvement in the transaction.
Product: Mortgage

XXXX XXXX XXXX sold the servicing of our mortgage to Nationstar while we were in Chapter XXXX. Nationstar tried to collect funds that were not authorized by the trustee. We recently refinanced our loan through XXXX XXXX. XXXX told us that Nationstar would be refunding excess monies in our escrow account. That refund has not occurred. We believe that Nationstar has stolen some amount of money from us in violation of court orders and is illegally profiting from the purchase of servicing rights on our home loan. We would like a full and complete accounting of all funds handled by Nationstar while they serviced our mortgage and an explanation of why the excess escrow funds have not been refunded as promised. This entire experience with Nationstar was a nightmare and offices such as the Consumer Financial Protection Bureau are needed to protect citizens from the questionable practices of companies like Nationstar.
Product: Credit card or prepaid card

A REPLACEMENT CREDIT CARD SENT TO ME VIA USPS WAS STOLEN & FRAUDULENTLY USED TO MAKE A PURCHASE AT A XXXX STORE IN XXXX XXXX  FOR {$1000.00} ON XX/XX/20. 
I WAS NOTIFIED BY TEXT & EMAIL ON XX/XX/20 & CONTACTED CAPITAL ONE STATING IT WAS NOT MY PURCHASE. THEY REVERSED THE CHARGE ON MY CARD. THEY INFORMED ME THAT A REPLACEMENT CARD HAD BEEN MAILED TO MY ADDRESS, I TOLD THEM I NEVER RECEIVED THAT CARD. THEY ALSO SAID IT WAS AN ACTUAL PURCHASE IN THE STORE. 
ON XX/XX/20 THEY REINSTATED THE CHARGE TO MY ACCOUNT, & NOTIFIED ME BY MAIL RECEIVED XX/XX/20 THAT IT WAS NOT FRAUDULENT ON XX/XX/20 I CONTACTED CAPITAL ONE QUESTIONING WHY & HOW THEY DETERMINED IT WAS NOT FRAUD. 
I EXPLAINED I NEVER RECEIVED THE REPLACEMENT CARD & WAS TOLD THEY WERE NOT AWARE OF THE FACT THAT THE CARD MAY HAVE BEEN STOLEN. 
I ALSO EXPLAINED THAT XXXX IS 490 MILES FROM XXXX & EXTREMELY UNLIKELY THAT I WOULD TRAVEL THAT DISTANCE TO MAKE A PURCHASE AT XXXX. THEY CONFIRMED IT WAS THE REPLACEMENT CARD USED & WOULD CONTINUE TO INVESTIGATE. 
THEY DID NOT RESOLVE THE ISSUE & IT IS ON MY BILL. NOW I WILL BE OUT OF POCKET {$1000.00} DUE TO A RIDICULOUS METHOD OF ACTIVATION OF A CREDIT CARD & EXTREMELY LAX & INCOMPLETE INVESTIGATION OF A FRAUD. 
I AM ABLE TO PROVE THAT I WAS IN XXXX XXXX  AT THE TIME OF THE FRAUD
Product: Debt collection

I moved into my residence in XX/XX/year> and I paid a {$3000.00} deposit. I had to put up some window coverings as it was a fairly new house and didn't have them all. Upon moving out, I hired a cleaning service that thoroughly cleaned the residence. I knew there was some normal wear and tear and expected to only get a partial refund of my deposit. However the company later informed me that I owed $ XXXX in damages, thus making the total damages of {$7000.00}. I would have had to completly destroy this residence, which I didn't. I've asked several times to provide pictures of the damage to no avail. 

I've taken the liberty and did my own research and this company is very known to try and scam renters out of money. They've since put XXXX on my credit report and I've never had any evictions, residential collections in my entire life. This company is scamming folks and nothing is being done to stop it. 

I'e plan to contact an attorney for assistance, however I truly can us the FTC 's assistance.
Product: Credit card

I signed up for an interest-free loan for a purchase made through XXXX XXXX for flooring in XXXX of 2023. I was told the interest-free promotional period ended after a year and that I would be notified when it ended. I immediately signed up for electronic notifications. In my XXXX, 2024 notice ( on XX/XX/XXXX ), I saw that I owed {$1200.00} more than expected. I went back to the email I received in XXXX, 2024 and saw no indication that my promotional period was up and that I would be charged back-interest for the entire year. I logged on to my Wells Fargo account and downloaded the XXXX statement and saw a note in tiny font in the middle of the page that my promotional period was up. I immediately paid the remainder of the balance, minus the interest. My husband called Wells Fargo on XX/XX/XXXX to try and resolve this issue as their email did not provide proper notification of the promotional period expiration and they refused to negotiate or reduce this egregious XXXX XXXX interest, because I didn't pay it by XX/XX/XXXX. This is predatory lending at its worst. If you sign up for electronic communication, any urgent notices should be clearly stated in the email.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, experian are reporting fraudulent accounts on my credit reports attached FTC report.
Product: Credit card or prepaid card

Walmart Store Credit Card through Synchrony Bank - I was not able to use my bank card and found that Walmart wrongfully processed a payment for {$150.00} on XXXX XXXX, 2017, when I signed up for recurring payments of only {$25.00} per month. It takes a couple of billing cycles before it started on XXXX XXXX, 2017. When I called them, they said that when there is a minimum payment due that will get processed before recurring payments for less than that amount. This was not stated on their website when I processed the recurring payments. I made payments as needed {$25.00} and {$50.00} until recurring payments were to start. Walmart states it can take weeks before the complaint process is set up and I would receive something in the mail. My bank account is overdrawn, accumulating overdraft fees and now, any other payments I set up for payment of my bills will be returned unpaid. 

I can not afford to wait weeks for Walmart to send a request into their complaint process and respond by regular mail. It was an unauthorized payment against my bank account and should be immediately taken care of. 

Because of what occurred I immediately cancelled recurring payments so this does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been trying for Consumer Portfolio Services to verify the transaction history on my auto account and fix it since I was never past due as what it shows on my credit report, it shows me being past due in XX/XX/XXXX in the months of XX/XX/XXXX ( 30 days ) XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX ( 30 days ) XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX leading all the way to XX/XX/XXXX when I paid off my account, I'm also submitting for further review under the FTCP for the way they collect as my account was only 1 day past due, my records reflect different as not past due, I also tried calling them with no success, no one will respond to me.