23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XX/XX/year>, venmo closed my account citing security risk. 

I had a teen account as well. 

They wrote me a letter saying that they will avail any funds to me within and upto XXXX  days by XX/XX/XXXX. 

After XX/XX/XXXX i asked venmo to close both mine and my teen accounts. I have received a letter saying they will no longer deal with me. They refuse to close my account despite the XXXX days being over. 

On XX/XX/XXXX they contacted my teens email and let him know that the hold they had on his money was lifted and he could withdraw any money. After adding my account they still put a restriction amd lied that he could withdraw when there was no withdrawal optiion in his account. He could not withdraw his funds. Venmo acknowledged that legally any funds belong to the account holder. 

Now it is the runaround. With canned responses. 

I want my account closed. I want all funds in my teen account either returned to the direct depositor or made available for withdrawal. Venmo refuses to close my account. XXXX  days are over. I have attached all relevant correspondenscence.
Product: Mortgage

My close date is Friday XX/XX/XXXX and I was expecting a 3.625 % interest rate per a XX/XX/ email from my lender at Sierra Pacific Mortgage. On Monday XX/XX/XXXX I was texting my lender asking if rates had dipped due to news about the Coronavirus he  said no. Then I said at least we are locked in at 3.75 %. Thats what I said but in reality shouldve been 3.625 %. He never mentioned anything. A similar conversation took place a few more times and the issue was always skirted. I understand that this is my responsibility to make sure I am locked but I assumed all was good by him not mentioning it. Anyway, last Friday XX/XX/XXXX when it was to till late for me to turn back on my closing ( would blow the whole sale ) he tells me rates spiked to a 5.75 % and tells Me we never locked in. Never once said anything to me about not being locked in, although he will tell you he offered several times. Any email or text chain I have would suggest otherwise. I asked for no closing costs to offset the over {$500.00} increase in mortgage payment from what I was expecting and he said he wouldnt do it. I also contend that nowhere is their a rate anywhere close to 5.75
Product: Payday loan, title loan, or personal loan

I have paid this auto loan ( ford motor credit ) that was repo 'd. I paid it in full XX/XX/2019. i need it removed from my credit please.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV, Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectors I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Ive tried to dispute this negative impact on my report from the lending club. Ive stated serval times that they did not notify me in regards to a charge off on my account. I spoke to representatives they didn't tell me my account is past due these days in delinquent status. I scheduled a XXXX payment on the account. That was it. I didn't receive an email, a letter by mail, or a call regarding this account status being close to a Charge off. I spoke to someone regarding this matter they said it reached its maturity date. So went on and charged off my account. Its hurting my credit report poorly. I settled the debt of the XXXX. All Im asking that this negative reporting be removed off my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I learned that a bank account was opened at Branch Banking and Trust ( BB & T ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myXXXX  report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from XXXX. I continued to make attempts to contact the BB & T in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aXXXX report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third XXXX report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
Product: Mortgage

I have been trying to get a modification from Ocwen Loan with no success. 
This has been going on for years. Now they told me they were giving me a modification. I did everything they asked me to do. Now they just denied me again for some bogus reason. They stated that my income is not enough. This is a XXXX account. My mortgage was sold so many times without my knowledge. Many of my payments did not get reported. Now they created a balance that I do n't owe This is a NIGHTMARE. Ocwen said that the LENDER IS XXXX Bank. XXXX Bank is not on my PROMISARY NOTE!!! OCWEN IS NOT ON MY PROMISARY NOTE EITHER!! THEY ARE TRYING TO STEAL MY HOME
Product: Vehicle loan or lease

My car has been repossessed with no police reports on file and after I have paid them for get a release of my car the company that has been hired for towing is hard to reach and I cant get ahold of them and the loss prevention company kept giving me the run around with wrong phone number, disinformation and lies. My car is still being help after submitting payment with no contact with the tow company
Product: Debt collection

Recieved a called stating I have been sued by GE money bank for XXXX. On a debt that was opened in XXXX of XXXX and charged off in XXXX XXXX. All this infor was given to me by the caller. I was advised that they would garnish my wages and take any property that i may have
Product: Debt collection

I have written to XXXX XXXX SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX XXXX, I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a CITIBANK NATIONAL ASSOCIATION, doing business as CITIBANK credit card ( citicard ) in XX/XX/2021 with a limit of XXXX XXXX dollars. In XX/XX/2021, I received an alert text message says that my limit was dropped to XXXX XXXX, XXXX XXXX dollars. I never missed a payment. I was never late on a payment either. I called the CITIBANK customer service, to inquire why would the limit was dropped. The service agent that I spoke with with, was unable to answer my question. She said an explanation would be mailed out to me.I called back XXXX, XXXX and XXXX, inquiring about the decrease in the credit limit. All along, still not missing a payment or making any late payments. I have NOT received any information on the phone or by mail, on why my limit was decreased. I always confirm my mailing address, with every call. I spoke with supervisors, and still I have not received any information, on why this trangression of my rights was taking place or why I am being denied my right of credit by CITIBANK NATIONAL ASSOCIATION. According to 15 USC 1602 definitions of The Truth and Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK NATIONAL ASSOCIATION , adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( II ) are up to ( {$5000.00} ) CITIBANK NATIONAL ACCOCIATION , doing buiness as CITIBANK is now civily liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXXe Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent  account # XXXX, has violated my rights. 
15usc 1681 section 602 states I have the right to privacy.

15usc 1681 section 604A section2 : It also states a consumer reporting agency can furnish a account without my written instruction 15 usc 1666b : A creditor may not treat payment on a credit card account under an openend consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX : {$890000.00}
Product: Debt collection

I was in XXXX  XXXX XXXX XXXXXXXX from XXXX through XXXX when debts took place as well as the other discrepancy was a auto loan that was paid in full
Product: Credit reporting or other personal consumer reports

I sent dispute letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding inaccurate information on my credit report. These letters requested verification for several accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Military Star XXXX and XXXX XXXX I highlighted errors such as incorrect late payment records, inaccurate account statuses ( e.g., XXXX or XXXX ), and outdated or incomplete data. I specifically asked for evidence of verification, documentation of compliance with FCRA and XXXX XXXX standards, and removal of unverifiable or inaccurate information. Despite these efforts, TransUnion has only provided generic form letters stating the accounts were " verified '' without offering evidence or addressing the specific issues. This failure to properly investigate violates my rights under the FCRA and XXXX XXXX standards. I request a thorough investigation of these disputes, a detailed response explaining the verification process, and the removal of any inaccurate or unverifiable data.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Have a unknown card in my hard Inquires XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown discover bank card never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires discover card never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX  never had or received one nor signed up for one.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX  : # XXXX, XXXX  : # XXXX, Current : # XXXX, XXXX XXXX  : # XXXX, AR Child Support : # XXXX and XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general, if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a security breach in XXXX XXXX but did not notify me until XXXX XXXX, XXXX. I do not know who has my information but by the Equifax website I can verify that my information was exposed.
Product: Credit card or prepaid card

We have had a Superfleet card for our business for many, many years. We have rarely if ever have been late, and our bills are paid in full EVERY SINGLE MONTH! In XXXX of XXXX, we didn't receive their statement in the mail until way later in the month due to issues with the post office. We sent the payment out the day that we received the statement like we always do, and it took them over 3 weeks to post the payment. They shut our cards off, charged us {$75.00} in late fees, plus other charges. They said they did not have our payment, but crazy as it may seem, it came out of our checking account the very next day. We had to pay over the phone in order for our employees to get fuel on their cards. In XXXX, we had a credit since it was paid by phone AND by check. In XXXX, we received their bill around XX/XX/XXXX, I sent a check out the same day, it didn't post until after the XXXX of XXXX, which made it late AGAIN! We don't use these cards often, our drivers fill up the trucks at our shop daily, these are used in case of emergency only. We rarely pay more then a couple XXXX dollars to them monthly. In XXXX, same deal. In XXXX, they deemed our company a credit risk and starting charging several XXXX dollars of credit risk fees in addition to the late charges, and they changed our due date! In XXXX, I sent a check to them as soon as I got the email that had the amount due on it. They sent that on XX/XX/XXXX, I mailed the check on XX/XX/XXXX. We received their bill which was post-dated XX/XX/XXXX on XX/XX/XXXX, so let 's say our check was received by them in about 5 days as well. Our due date was changed to XX/XX/XXXX, so 14 days after I mailed the check out. Still didn't post to our account. It didn't post until XX/XX/XXXX! There is no reason it should take 17 days to post. Especially when every other check that I sent on the same day, several that went further than theirs, took 8 days or less to come out of our account. I checked EVERY DAY to see if that check cleared, on the XXXX I tried to use their online CheckFree option just to avoid the fees, but guess what, it doesn't work!! On our XXXX bill, we spent under {$30.00} for fuel, but the total bill was {$280.00}! This is ridiculous, if they aren't going to post payments in a timely manner, the due dates should be MUCH further out. They have refused to refund fees except a couple late fees, and they have refused to move our due date. Apparently I am not the only customer that they are doing this to. If you look at any profile for their parent company, XXXX, they are doing this to many, many people. How is this legal??
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports