23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My fiance XXXX XXXX and I have a Victorias Secret credit card by Comenity Bank. I am an authorized user and I am authorized to know information on this account. On XX/XX/XXXX. I had made a payment of {$75.00} then on XX/XX/XXXX. I made another payment of {$100.00}. I wrote two checks and I paid my payments at the store, then on XX/XX/XXXX I got a call from Comenity Bank saying that I have missed both XXXX and XXXX payments and in order to put my credit in good standing I had to make a payment, so I did a one time payment over the phone for {$100.00}. I noticed on my bank account that two transactions of {$100.00} were taken out. So I called my bank and I disputed one of the {$100.00} transaction with them. So my financial Institution XXXX XXXX gave me {$100.00} provisional credit while my account with them was under investigation. However, my payment to Comenity for {$100.00} was done on XX/XX/XXXX XXXX but on XX/XX/XXXX Comenity discredited my payment showing that I never made a payment for XXXX so I would like to know where my {$100.00} payment went and I have sent them so much information through their online message center. Still they refuse to credit my account of the {$100.00} that I paid on XXXX XXXX. Every time I call, I talk to a different supervisor and have to explain myself over and over. It is so frustrating. And they listen to my issues and tell me not to pay the bill because they see that Comenity owes me that money and my bill is already paid in full but here I am getting late fees and interest. This account has been under investigation with them since XX/XX/XXXX ever since they lost my first two check payments at Victoria Secrets in the XXXX XXXX XXXX. Finally on XX/XX/XXXX store relations department resolved and found both checks for payments in XXXX and XXXX. I have sent Comenity all my information like bank statements the checks they cashed and went missing for proof of payments, a letter from my bank with an overhead. I just dont know what to do now. I feel I provided a lot of information. Banks statement should be enough.
Product: Payday loan, title loan, or personal loan

The company ( XXXX XXXX has called me excessively after one missed payment for an entire week. I have either answered when they called or called back immediately. Therefore, no lapse in contact has been made. Unfortunately, the agent and manager at the office have began calling my references, as if they have not made contact with me. I explained to the manager XXXX  that she was in violation of the regulations set in place. She accused me of yelling while on speaker phone, to which I explained I wasnt yelling and my being on speaker phone was entirely at her discretion as manager. She proceeded to hang up on me and when I called her back to reiterate the fact that they should not be calling my references due to our continual contact she refused to acknowledge the phone calls were being made and bid me good day.

The amount due is less than {$500.00} and the due date is the XXXX  of every month.

I believe the agreement was 10 payments of {$96.00} which Ive complete approximately 4 before the due date.

Dates of contact : XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( missed call ) XX/XX/2019@ XXXX   mountain time ( received text from sister that she had been contacted by XXXX XXXX ) XX/XX/2019 @ XXXX mountain time ( hung up on by manager XXXX  ) XX/XX/2019 @ XXXX   mountain time ( I called back to reiterate the violations ) **** times reflected on call log are pacific time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called so many times, I faxed and mailed equifax and I mailed XXXX  and neither company updates my account with my correct address that I have had since forever. I dont even know how my address got taken off my report or how an incorrect address was put on it. Im so tired of not being able to get my credit reports bc of these two companies. This has been ongoing since the beginning of last year and it shouldnt take this XXXX long for them to update my report.
Product: Debt collection

Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.
Product: Vehicle loan or lease

My car was repossesed on the night of Monday the XXXX without any notice. I did not receive any notice, trackable or otherwise, regarding this impending repossession. Had I, I would have taken every action to prevent it. 

I am hoping to get the vehicle back and I am willing to work with JP Morgan to get my account up to date and can make another down payment by XX/XX/XXXX. The amount they are asking for is however impossible. 

I called JP Morgan on the XXXX and they told me that I would have to pay the full amount ( around {$21000.00} ) left on the loan. 

Per Massachusetts Law, I believe I am also allowed up to 20 days to pay the loan. They did not give me this. I was informed of the amount due on the XXXX of XXXX and asked to pay by XX/XX/XXXX. I have included an audio of them informing me of these terms. 

I have spoken with a lawyer and he strongly believes they are placing these impossible conditions due to the vehicle shortage currently occurring. He advised me to reach out here. 

I am hoping for assistance advocating for myself in this situation and mediating with JP Morgan. Any assistance is truly appreciated- thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

1. Rash Curtis sent me the invoice per my request. The phone number XXXX on the invoice was not mine XXXX. The invoice was paid on XX/XX/year> and the balance is {$0.00}. Rash Curtis still sent me debt collect for {$0.00} balance debt which was not mine.

3. Though the balance was XXXX and the phone number is not correct, the debt collector company still try to collect interest on {$5.00} balance on XX/XX/year>. 
4. They tried to get my personal identity such as social security for {$0.00} balance debt which is not even mine.

5. Please ask the company to stop harassing innocent people and tried to collect personal information using excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and theres no third party involved. On or about XX/XX/2021 I sent an AOT via certified mail with return receipt validating that I am pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due course for all derivates thereof for the surname/given name, XXXX XXXX XXXX XXXX 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it and : They are reporting erroneous, unverified original creditor, invalidated debt on my consumer report without my written consent. Pursuant to 15 U.S. Code 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt. Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy and proper utilization of such information. TransUnion is not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; I have included copies of all of the certified mail receipts validating that TransUnion has received all of my AOT, FTCs and other correspondence and they have completed ignored them all. I received a notice that did not provide me with a signed AOT rebutting my AOT pursuant to Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etcwho may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury. I requested that they produce a contract showing that I granted them permission to furnish a consumer report on my behalf. And if you have that permission, please have your Sr Executive to create an Affidavit to me and have it notarized by that Sr Executive saying that I granted you permission to furnish this consumer report on my behalf. They have not done so and by law an Un-Rebuttal Affidavit stands as true in commerce. 

I have provided Transunion with factual proof that the items they are listing were removed from the other CRA 's as well as XXXX XXXX as they too were in violation of pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed upon me the consumers right to privacy and that violation pursuant to 15 usc 1681b ( a ) ( 2 ) in accordance with the written instructions of me the consumer to whom it relates did not have permissible purpose nor did I provide them with written permission to list such private matter. Therefore, has since removed such items and all items associated with such account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying ACCOUNTS recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX
Product: Checking or savings account

On XX/XX/2019 I attempted to buy a flight ticket from a company called XXXX from XXXX to XXXX XXXX. The amount was approximately {$320.00}. When I viewed my Bank of America Checking account it showed a charge to a company called XXXX. Bank of America thought this was fraud so they blocked the payment. However, the money still came out. I knew this because of the balance total in my account before the removal was Approx. {$2000.00}. An adjustment was made to the account in the amount of {$320.00} however the balance never changed back from {$1600.00}. Instead, all of my transaction histories scaled back to show a different amount going back months. So now the {$320.00} just magically disappeared from my account. When I attempted to reach out to them I was put on hold for over an hour 5 times and every time I would get a representative they would evade my questions and then just eventually start telling me that there was nothing they could do and hang up on me. Not once was I able to even address the issue due to the way their customer service would treat the call. Not a single individual in 3 days was able to even begin to listen to my issue because they won't even go that far. It seems as if they are aware that they have done something with the account and now will do nothing to rectify it. Furthermore, they deleted all transaction history related to this situation. Not only did this mess up my trip because the tickets are no longer available but now I have to rebuy the tickets for {$500.00} and I lost the {$320.00}. I am United States Service member stationed overseas I should not have to deal with this type of behavior from an American corporation. Completely ridiculous!
Product: Mortgage

I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of refinancing my home and Equifax has failed to product my credit report to two different lenders. XXXX  and XXXX did not have any problems.

I was able to get my Equifax free report but lenders, based on their internal policies need to get the report directly from equifax. Without the three bureaus credit reports, the lender can not process my mortgage. 

I contacted Equifax in early XX/XX/2020 and they told me they did not see any issues however two different lenders are not able to get my credit score from Equifax.
Product: Debt collection

XXXX XXXXT / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX  / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX
Product: Credit card or prepaid card

The interest rate on a credit card with Chase is 23.74 %. I have never been late with a payment. 

Today, XX/XX/19, I contacted the bank. The customer service person said they can't negotiate the interest rate. In response when asked who sets the rate, she said the bank does. That implies they won't, not can't. 

I am filing a complaint with the CFPB.
Product: Debt collection

XX/XX/XXXX : I notice my online bank account/ was not functional for me to view my direct deposit so I called the bank and that is when I found out that there was a write of garnishment of property on my account. 
I called XXXX XXXX XXXX  and spoke to a women who answered the phone and took my up to date information and I ask her why didn't they go thru my job with XXXX which I've been employed with for the past 29yrs she said they couldn't locate me and I said to her well you found me at XXXX XXXX XXXX XXXX and I haven't work their in over a year and that was a part time job for garnishment. 
XX/XX/XXXX : I went to the court house in XXXX XXXX County House I was appointed to court attorney explain to them ( her ) that I didn't know a third party could block me from debit money from account to pay my bills or just debit any money out ... .but when the attorney ask me to get a copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX  XXXX XXXX XXXX  MD XXXX ... I was living in XXXX Va. XXXX XXXX XXXX XXXX from and now they want to try and collect the initial amount and 9yrs of interest I didn't find it in my last year credit report I requested another I really don't believe this my account I just do not remember it if this is why wait so long and why not for thru my job where I've been employed for the past 29yrs? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money had to change bank accounts for this past direct deposit. 
I'm not for sure how much there buyers bills is there was no negotiation what so ever I'm XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements und
er the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorized XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX run my credit one time for an auto loan. They ran it three times. To date they have not removed the unauthorized inquires.
Product: Money transfer, virtual currency, or money service

My account was permanently disable by Venmo. I had over {$300.00} on this account. It was frozen on XX/XX/2021. An account specialist by the name of XXXX XXXX told me that my account has to be frozen up to 180 days and have no chargebacks or fraudulent after 180 days without any chargebacks or fraudulent activity they would release my funds. Today is XX/XX/2021 I am after my 180 day period. My account has no illegal activity has no chargebacks or fraudulent activity it never did. I have reached out to demo every day after XX/XX/2021 and no one from the company will try to help me with the issue of releasing my funds. The last person that I talk to you was an account specialist by the name of XXXX XXXX who sent me an email today stating that he could not help me with the issue although their rules at Venmo states that my money should be released after 180 days which makes what Venmo is doing with my account in violation of their own rules and regulations. The initial reason my account was frozen I was told was because they needed to verify my identity I sent them my passport as well as my Maryland state ID my identity was verified. Immediately after that they said that I violated XXXX  of the rules but they can not tell me which rule was a violation. If in fact I violated a rule that is fine with me the in fraction for that would be to close my account but after the 180 days the money thats on my account should be released so that I can transfer into my personal bank account. Under no circumstances is the violation of their set rules automatic for them to keep my money after stating it would be released after 180 days Venmo at this point is violating their own sets of rules.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Credit Reports. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I dont recognize the following inquiries in question. 
My social has been in numerous data breaches and I currently have free credit monitoring. Im requesting the following information be deleted from my Credit reports immediately.
Product: Credit card or prepaid card

Vanilla gift card purchased at XXXX in the amount of {$200.00} ( XXXX XX/XX/21 ). The {$200.00} was on the card. The card was checked again later and the balance was XXXX cents. There was one purchase for {$190.00}. The card was not accessible by anyone and this is a fraudulent charge. Vanilla Gift card customer service screamed at me. It has been the worst thing I have ever had happen of this nature. It is really obvious it was fraud. I feel like I should receive my money back promptly. {$200.00} is a lot of money for us. I can't believe they are allowed to operate like this. I tried contacting the vendor without any luck. I think the merchant website is fraudulent, too
Product: Mortgage

In XXXX, I receieved assistance with my mortgage from a third party church. XXXX XXXX sent that payment back to the church which made me have to pay an additional {$800.00} in XXXX. In XXXX, the mortgage company has reversed the payment 3 times for {$1800.00}. The money is being taken out of my bank account and sent back to my account from the lender. I have tried to talk and ask them what's going on but they refuse to explain anything to me. Also, my mortgage was XXXX and now its XXXX no one will explain what that is about nor is there any documentation of this change. I believe the mortgage company is intentionally reversing the payment so I can get behind. Their attitude when I call is extremely noticeable.