23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I was shocked to receive an alert from my credit monitoring service indicating a drastic drop in my credit score, flagging a potential identity theft. This was a significant emotional blow, as I have maintained an excellent credit score and carefully manage my finances. I immediately investigated and found that my Venmo account, which I trusted fully, was showing an unexpected balance of {$9900.00} with interest charges totaling over {$2600.00} ( a few hundreds every month in the past 2 years ). 

I have been a loyal Venmo user, relying on the apps services for years and trusting that the company would communicate any important account information accurately. I regularly check my Venmo app and had always seen my Venmo Credit Card listed with no balance or alerts that would indicate a problem. Venmo has also been sending me paper statements monthly, and none of these statements showed this large balance or any accumulating interest, reinforcing my belief that everything was fine. 

I realized that I always saw an empty app screen whenever I opened my app which was clearly bug and I just saw the accurate app screen {$9900.00} on XX/XX/XXXX. 

The apps failure to display any clear information about this balance left me unaware of the accumulating charges, and I am certain this issue is due to a technical flaw or bug on Venmos part. Had I seen even a small balance, I would have paid it off immediately, as I always have with all my accounts to avoid interest charges. In fact, I have never carried such a large balance or accrued interest, and this situation has now damaged my credit scoresomething I have worked for years to protect. 

Upon discovering this issue, I called Venmo customer support and spent over an hour with three different representatives. Each one confirmed the balance as correct but was unwilling to waive the significant interest fees or acknowledge any fault in how the app displayed account information and how they failed to inform me. Instead, I was left feeling dismissed and without support from a company I trusted. 

After researching online, I found others have also had negative experiences with Venmos customer service and communication issues, which deepens my frustration. I have since paid off the balance, but I am now requesting a full refund of all interest charges due to Venmos lack of transparency and failure to notify me properly. I am also seeking compensation for the time, emotional distress, and impact on my credit score, all caused by this preventable issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Not my debt and improper reporting and intrinsic fraud
Product: Credit reporting or other personal consumer reports

Closed XXXX XXXX XXXX XXXX. Paid in Full Settlement Amount It was a Pay to Delete Agreement. 
Credit Bureau updated it as Paid for less than balance, Settled and has not been deleted.
Product: Credit reporting or other personal consumer reports

These inquiries aren't mine, and I have no connection to the listed creditors. Please remove them from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

While being a customer of XXXX years I have tried my best to get my late payment removed because during the time I had XXXX and I also was struggling financially. I have reached out numerous times to contact a representative to see if I can get a deferment and was denied the option that they allowed customers to use if they experienced any problems with XXXX but instead I was denied. Even after contacting those that are part of the financial team or even the members that represent this company all they could say was they reported it accurate and not even understand why I had one late payment hat I even paid for once I was able to get myself together. The amount was {$130.00} and was credited as late as of XX/XX/2022. These were the actions that I had taken, to reach out numerous times to explain my situation and a goodwill letter after the fact of me paying. I don't want to dispute it but rather the mark be removed due to the situation I was going through at the moment.
Product: Credit card or prepaid card

Mailed out an Adverse Action Letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Certified Mail Return Card Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Date : XXXX This is a complaint to Bank of America which has bad faith in practicing their business.

I had a Bank of America Business credit card with a very high interest.

They never told me that this cards terms have a clause that says if Im ever behind on payments they are authorized to take any amount from any of my accounts to offset their balance!! It is a scam within their malicious card policy that no one reads when applying for a credit card.

After the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I tried notifying the bank that this is my situation and they cared less. 
I tried to pay whatever I could, but the 32 % interest and fees were piling up. 

I signed up with a company called XXXX XXXX and they were going to consolidate my debt and negotiate with the bank to lower the balance and make one payment for all of them.

XXXX XXXX took a long time in their negotiations leading the bank to take money from my accounts without my permission calling it an Offset for the credit card I owe.

Throughout one and a half years, they took {$10000.00} of my money from my various accounts while Im waiting for the other company to negotiate with them!

Meanwhile they did negotiate 2 other cards that I had with B of A and that shows that they were in communication with each other. 

2 days ago Bank of America aggressively took XXXX from one of my accounts that I had borrowed money to pay for mortgages and car payments and expenses of the 2 kids we have. Part of that money was to also dedicate to the payments of the credit cards arranged with XXXX XXXX. 

Called Bank of America and this is what they said : Spoke to XXXX XXXX - Escalation Manager at Bank of America B of A Recovery Department Confirmed : Total initial amount I owed was : XXXX Amount taken from me previously : {$10000.00} Final Offset amount which charged-off the XXXX account : {$18000.00} Total amount taken from me : XXXX Not only they have taken way more than I owed, but Bank of America claims that I owe an additional balance of {$4800.00} not even considering all the offset amounts they stole from my account. 

I can't see or access the account anymore because the bank closed it and deleted it from my view in the app or online. 

XXXX. They are not willing to explain why and how this is being calculated and no definition for the XXXX of offsets that they previously took from me within the last year and a half. 

XXXX. They are not willing to at least XXXX the balance even after taking so much more money from me. 

XXXX. My credit is damaged badly. 

XXXX. I don't want to be forced to pay them XXXX more than I have already paid and they are not accepting to zero out the balance and settle it. 

XXXX. They didnt even try to negotiate a deal with the company that was representing me to come to a fair settlement. 


This is insane and it is not fair to hide a clause like this in a policy and not directly mention it to the customers applying for them and then doing this to them. 

I am now left with a {$100.00} in my account with no job and now my worry is my grocery shopping for my kids and how can make my mortgage payments?? 

Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. there is fraudulent names and addresses and accounts on my credit report
Product: Student loan

My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.
Product: Student loan

I was in school for over six years, XXXX of my loans was sold to various lenders. I was never made aware of this and now 6 years later, it is the only negative thing sitting on my credit report, and almost double the original amount. The contacted the collection agency about payments or settlement and they want far above what I can afford, and almost 2 years worth of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  They always report to the credit bureaus on the XXXX of every month. on XX/XX/XXXX Experian showed that I had an increase in credit usage of 63 %, this is correct and true, and on XX/XX/2011 points were deducted from my report. This is when I had a problem, less than two weeks later Experian takes it upon themselves to check my usage again with XXXX XXXX XXXX my credit card reports only once a month, so I know they did not report again. On XX/XX/XXXX Experian drops my report XXXX more points stating I'm now at 93 % usage, again first premier did not report this! I received my statement for the month of XXXX, paid off the total amount of {$270.00}. The next month my total was {$0.00}, and Experian increased the report by XXXX points. they deducted a total of XXXX points for high usage then when I paid the full amount, they only returned XXXX points! I reached out to them by phone and by email. the email they never bothered to respond to and when I called, they had no valid explanation for why they did what they did. I believe it is retaliation for filing an FTC Report against them previously
Product: Credit reporting or other personal consumer reports

I have been contacting Experian for about XXXX years to correct a minor error in my current address, through multiple phone calls and postal mails. They acknowledged the mistakes every time, agreed to fix them, and processed them in the dispute center, but the issue was never truly resolved. This back-and-forth process has occurred about XXXX times over the past few years, which is entirely unacceptable.
Product: Debt collection

This Bridgecrest so cheat she wrong amount and scammers
Product: Debt collection

Debt was the result of a visit to the XXXX and was paid by the insurance copy. However, the collection agency continue to make claims towards this debt.
Product: Student loan

On XX/XX/, I waited on hold for 77mins to speak with a customer service representative from Mohela . I had concerns regarding the status of my XXXX application as well as questions regarding bill correspondence I received on 2 separate occasions. First bill from Mohela dated XX/XX/, stated my bill would be {$98.00}, due on XX/XX/. The second bill from Mohela dated XXXX. Stated my bill would be {$190.00}, due on XXXX 
When I finally spoke with the Mohela representative, he did not have a explanation for the discrepancies with the two bills, nor did he have information regarding a realistic timeline as to when my XXXX application and payment counts will be concluded. 
I feel like Mohela is purposely misleading consumers on the time it takes to count payments towards loan forgiveness. And that they discourage consumer concerns by have ridiculously long wait times to speak with a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying for two years to cancel the Experian credit monitoring service, but they keep billing me. The inability to cancel an account online or over the phone, despite the fact that account creation is possible through these channels, is both inconvenient and unjust. The requirement to submit a letter with copies of personal identification documents for a simple account cancellation, coupled with the ongoing charges, is unacceptable. 

I request the immediate cancellation of any and all services provided under my account with Experian. This includes the cessation of any further billing or charges to my XXXX XXXX card for their credit monitoring services. 

I request they issue a refund of {$100.00} for each of the last two years of charges applied to my XXXX XXXX card ( XX/XX/XXXX and XX/XX/XXXX ) totaling {$210.00}. These charges were made against my wishes, as I have been unable to access or manage my account due to changes in my contact information and a lack of support from the Experian team.
Product: Credit reporting or other personal consumer reports

I recently started getting a lot of robo calls, for accounts/collections that I have no knowledge of, I was shocked when I checked my credit report and saw 4 accounts and dozens of inquiries that I have no knowledge of.. I wrote all 3 credit bureaus to dispute these items on my consumer report via certified mail and filed a report with the ftc.. however the items are still on my report. I fill like XXXX, XXXX, and TransUnion have just ignored my disputes and I fill that they are in violation of : Act 15 usc 1681 I am a single mother trying to buy my first home for my family so naturally I need these items removed, although I haven't tried for home funding yet as I'm still saving I feel like these negative items will hurt my chances for funding or make my home loan more expensive than if my consumer report were correct and accurate.
Product: Credit reporting or other personal consumer reports

I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( Experian, XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XX/XX/2020 I sent a certified letter to Equifax, XXXX, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies Equifax, XXXX, XXXX  ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance
Product: Credit card

On XXXX XXXX I received a text message from Barclays about transaction code while I was at work. I immediately noticed something must going wrong in my credit card because I didnt use it that day, first I checked my account realized there were 2 unauthorized transactions total over {$7000.00}, first one : XX/XX/XXXX {$4300.00} ( I didnt know it until XX/XX/XXXX ) and second transaction : XX/XX/XXXX {$3100.00} they both came from XXXXXXXX XXXX XXXX XXXX XXXX 
I was really shocking and worried, I immediately call the number behind the credit card company and let them know those are fraud charges and cancel them and cancel my credit card. I thought thing is over by that, but two month later on XX/XX/year> Barclays put these amount to my credit card account said after investigation those transaction are valid. I dont agree with it and I request the report, I never shop at XXXX XXXX ever online or in store, also those charge already way over my credit limit. Barclays failed to protect the card holder even I already reported to them those fraud charges, they still billed me and add up the late fee and interest, also hurt my credit score. This company is lack of support to help the victims. I truly wish government or Federal agencies should step in and check it out this whole company itself its a fraud, they transferred to so many different people on the phone, but not helping you. I feel helpless and hopeless. It ruined my life now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U S C 1681 section 602 A, states I have the rights to privacy 15 U S C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX