23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a mail saying I owed money to XXXX but I never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. 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 ; DP OF EDUC XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX6 DPT EDXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Someone got ahold of my phone and debit card and deposited some checks into my account .I went into a XXXX XXXX to give them my written statement and to seek assistance I informed them that I have a police report that I submitted with my other bank they said leave them my best contact number and they will get back to me. 2 months go bye with no calls or messages beside a notice saying that I owe XXXX dollars and my accounts closed if I don't pay the amount owed I will be reported to XXXX
Product: Debt collection

I had a credit card with XXXX XXXX once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX Club. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to XXXX I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX H XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX AL XXXX WY XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00}
Product: Student loan

Hi, I applied for a Federal Student Loan after transferring schools this semester. When I applied, I was denied because I was in default on a prior loan. I had no notice of the default until after I was unable to get any student loan. I never received notice that I was supposed to begin paying a loan or even close to being in default on a loan. Had I known that I was close to being in default or missed payments, I would have handled this situation before going into default. I had a federal loan through Nelnet. They hired a debt collector, called XXXX XXXX XXXX. I was told to speak with the debt collector since they are now handling the loan. I have called numerous times for the past two weeks, and have never been able to speak with them. I left voicemails, emails, called again and again. Nelnet never notified me that I had missed payments, or that there was anything I could do. Instead, I found out about this situation when I was unable to obtain a loan for school. It is my understanding after speaking to Nelnet that my loans were no longer deferred because I did not meet the half time student requirement, but I was never notified of that. I am a full time student again, unable to get any loans for school, unable to speak to the debt collector because they won't respond. I have tried everything else to try to handle this, I understand a default ruins credit and I do not want that. I also am unable to get any more loans for school and don't know what to do. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

My brother XXXX called in to make a minimum payment towards my XXXX XXXX account, when discussing the account with XXXX she wrongfully disclosed my entire account balance of {$1900.00} to my brother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires that don't belong to me and have to be removed off my credit report the only inquiry I should have is from Elements financial. I attached my identity theft report as-well and this is my 10th time contacting about this
Product: Mortgage

I made 3 payments in XX/XX/XXXX the payment made that was clearly drafted from my account by SN Servicing corporation ( I have proof and a statement from my bank ). I have repeatedly sent this proof. Because they will not correct this they have been adding late fees on us for 3 years for a payment they drafted from my bank. And was actually attacked by one of their customer service representatives after I sent the proof.But no one including the supervisor will stay on the phone to help but instead cut me off and avoid me.I am avoided calls not returned. My loan matures XX/XX/XXXX We are in fear of them taking our home and land that we have paid on for over 20 years. Customer service is horrible no one willing to help with something that could be very easy to clear up.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. It also appears that the account numbers and names are all different and some appear to be positive and some as a collection account. I've been trying to get in touch with the company but it seems too be impossible. Again, I was not aware that these were going to collections when they were suppose to be in deferment. These accounts are causing my life to be very hard.
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. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX CXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XXXX of XXXX, I used the self-serve online to set up an automatic bill pay for my mortgage with San Diego County Credit Union . It was an outside company and it was a difficult process. Took over three months, not a good system. I tried my home computer, my work computer, the library computer with no success. I finally was able to set it up via a phone. In the meantime, I accidentally signed up for something called bill pay at the SDCCU to pay this mortgage having tried everything. 
Three months later, they started charging me {$4.00} a month. I was not using this account due to extreme duress ( medical issues, XXXX, hospitalizations, XXXX  ). To simplify, I was using only one account. It was difficult to do much until I could have hand surgeries. I finally was able to sit down to consolidate accounts and the home loan changed hands so I had to resign up for auto pay. I noticed an unexpected charge! They had started charging me {$4.00} a month three months after I signed up for bill pay to pay my mortgage ( which was actually farmed out to an outside agency and not through SDCCU ). 

1. I did not receive a notification or warning that I would be billed due to inactivity. 
2. I did not want to enroll in this program, I was trying to sign up to pay mortgage. 
3. This is trickery, deceptive and an underhanded sneaky way to get patrons to pay fees. Think of signing out of XXXX and getting enrolled in XXXX. Same here. I was scolded when I spoke to the manager XXXX, for not checking my account. I had no reason to check it, I was not using it and was under medical treatment and family duress. Also had a family member with XXXX. 
4. XXXX said it is in the contract. I said it was in fine print and there was not notification or warning that I would be getting fees for inactivity for a program I did not want to be enrolled in.
Product: Student loan

I set up auto payments with XXXX/ Ascendium but once i gave them my info they sent garnishment to my employer ( not a problem ). They have since sold my account to XXXX but they are still garnishing me. XXXX advised that they now have my account for repayment but i advised that I'm still being garnished by previous company. They advised to call them to see why garnishment is still in place since they sold my account. I'm being bounced around, nothing is being reolved. I feel as if I don't know who i should be paying. If they sold/forwarded my account why are they still garnishing me. This is why i don't give my account info/ employment info out, i don't need several companies drafting or doing whatever they want with my account. I am a single parent trying to pay off this headache of a loan all while still being able to take care of my XXXX kids and other financial obligations. Garnishment is {$170.00}
Product: Student loan

I feel that the lending was predatory. At the time of schooling I was XXXX and making under XXXX per year and was being told that I would have to continue with XXXX XXXX because my credits would not transfer to any other schools. They made me feel like there was no other choice and sold me on the fact that my loans would not have to be repaid until up to 6 months after I graduated. After seeing how much student debt I had stacked up and being told of the extremely low graduate rate of my XXXX XXXX I had to stop racking up debt with XXXX. I stopped attending there to avoid the pressure that their finance team puts on you to take out more loans. I am now having issues repaying the debt I racked up. I checked XXXX XXXX 's website and found that they no longer even offer the multimedia degree I was attending for. I have both Federal and Private loans they had me take out. Looking over the statements that started in 2003 there are so many charges that I have no idea how those amounts were charged as purchases, etc.
Product: Credit reporting or other personal consumer reports

The credit reporting agency XXXX is reporting a balance {$830.00} for a collection agency named XXXX XXXX XXXX and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act. 

The credit reporting agency XXXX is reporting a balance {$830.00} for a collection agency named XXXX XXXX XXXX and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of 15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for an auto loan in XX/XX/XXXX .... 
I have never even heard of XXXX Please look into this and remove. 

XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

We had a loan through Kia Motors Finance on our XXXX XXXX which we paid off XX/XX/XXXX. Since then, we have called customer service numerous times checking the status of our overpayment refund, but each time the story is the same : that a refund has been processed but not sent, and that there is no way to contact the responsible department other than by email, to which there has to-date never been a response. I have been reassured by various reps that they are looking into it, but nothing has changed. 

It is now more than XXXX months later. If I were XXXX months late with a payment, Kia would at least continue charging interest, if not take legal action. I have contacted Kia 's complaint department in writing ( the only method which I was told will guarantee a response ), and I will be taking legal action if this matter is not addressed shortly. The pandemic is no excuse. Everyone else has carried on business as usual. Kia has a responsibility to as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : US DEPT ED Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Debt collection

On XX/XX/2021 I received an alert that a collection hit my XXXX  and XXXX reports from Southwest Credit Systems. I have not received any previous communication at ALL regarding this amount due. I have sent written requests to this collection agency that has not been responded to. Also, they are reporting a balance of {$330.00} to XXXX  and {$190.00} to XXXX. I believe I have given this company enough time to provide information showing how they calculated what they say I owe and to provide copies of paperwork showing I agreed to pay them anything. 

Please remove this from my credit reports immediately.
Product: Credit card or prepaid card

I made two purchases for {$300.00} on XX/XX/XXXX from a vendor, XXXX. I never received the merchandise. XXXX issued two {$300.00} refunds on XX/XX/XXXX. Upgrade processed one refund of {$300.00} on XX/XX/XXXX, and charged the credit card for {$300.00} on XX/XX/XXXX. I called Upgrade this morning and spoke to XXXX XXXX. She said they did not process the second refund because there was incoming activity on the card. I dispute that.
Product: Credit card or prepaid card

I opened a CC with PayPal Credit. My limit was XXXX. I adjusted the limit to XXXX, so once I paid off the balance of around {$3000.00}, I would close it. I noticed that I was being charged interest on purchases that were returned, racking up hundreds of dollars in unnecessary interest and not receiving full refunds for my returns. I have tried to have this issue fixed since XXXX and I keep being told that it will be fixed next billing cycle, and it has not. So, I don't know my true balance and they keep charging interest on returns.
Product: Debt collection

In XX/XX/2019 we opened a Chase credit card in connection with our XXXX account. Afterward we received several statements and promptly paid them in full. After those statements we received no additional statements. Several weeks ago, we received a call from Client Services indicating we had a balance of XXXX, and they wanted payment. We had no idea we had an unpaid balance because we were not receiving a bill. After some investigating, we discovered Chase was sending the bill to XXXX XXXX XXXX instead of XXXX XXXX XXXX. Apparently, there was a typo on our application of which we were unaware. We dont know how we received the two bills we got early on, perhaps a kind postman or neighbor. 
We paid Client services in full. Since we got no phone calls or emails from Chase indicating there was a problem, and our credit rating is impeccable I asked Chase to correct their reporting to credit bureaus After several requests they refused saying such contact was not required, only a courtesy. With a modicum of effort, they could have gotten a correct address for us and could have contacted us by email or phone. This conduct clearly is a violation of fair business ethics and credit reporting rules. We want two corrective actions : reversal of report to credit bureaus and refund of any late charges and penalties.
Product: Debt collection

This company has continued to call me after I informed them I would not speak with them unless they sent me something in writing. I have not received anything in the mail from them. 
They continue to call my mobile phone, office phone and phone numbers belonging to my family members from two different outgoing numbers. 
Today, XX/XX/XXXX, I received a call at XXXX on my mobile from XXXX, again at XXXX from XXXX and then again at XXXX on my office line from XXXX. When I picked up the office line it was dead air and then a hangup. I answered the phone with my company name. 
The company has provided no information as to the status of the debt, they have just informed me that they will take legal action within a week if I fail to respond. They told them same thing to the other person they called in my family looking for me. Additionally, they informed me that they already placed derogatory information on my credit report. 
The callers refused to provide me with any information about who they were or what they were calling about unless I provided my full social security number. I did not and will not do that over the telephone.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I had a car with XXXX XXXX  in XXXX and they repossessed the car in XXXX while I was still making payments complaining about late fees that they attached to my regular payments. They have been trying to get {$7000.00} out of me and now they have garnished my wages and I have called Zarzaur and Schwartz repeatedly to stop the garnishment and I would work out a settlement. They refused to do so.
Product: Money transfer, virtual currency, or money service

On XXXX 2023, i uploaded the required documents to add a bank account to transfer money in Venmo to my bank via chatting with XXXX XXXX ( a Venmo chat representative ). 

On XXXX 2023, Venmo email me that my account is suspended. 
I replied to that email and did what the email said and Venmo did not respond at all by email or call. 

On XXXX, I decided I wait enough already and chat with Venmo rep and no help provided to solve the suspended account. I asked for a reason why my account is suspended and no reason provided. 
I called, email, chat and no help from venmo to solve this accound suspended. 
I can not close account either. 

I need help transfer the {$30.00} out of the Venmo account to my bank or Venmo can send me a {$30.00} check. 

This is a simple problem that can be solve quickly. 

thank XXXX XXXX phone XXXX email XXXX XXXX
Product: Mortgage

I was served with foreclosure papers the week of XX/XX/XXXX. I was currently in a loan modification and they denied it after I'd been paying 6 months through the website. They say it was denied due to missing paperwork. Now, they've locked me out my account online. They won't accept payment unless I pay them {$20000.00} to reinstate my mortgage. I don't know what to do. I've asked for copies of the documents they've claimed to have mailed but I'm currently waiting 7 to 10 business days to get them. They haven't set a foreclosure sale date. I can provide the documents they need if they send them to me. I don't want to lose my home. I feel like I'm in a foreclosure scam with this company. They expedited foreclosure on the account in less than 30 days while receiving payments for the last 6 months during trial modification.