23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I used my Venmo account to add money to the account from XXXX to Venmo. This is my rent money that I added to Venmo which waS {$700.00}, but I received a email that they froze my account. The account specialist, XXXX said I needed to send in proof of identity and the bank statement that showed I made the transaction and I could screenshot it. I sent the specialist my ID, my cashapp card, the bank statement from XXXX, the email that showed I made that transaction and everything they needed. XXXX then emailed me and told me she cant accept screenshots so I sent pictures from my desktop and she didnt accept it because when I clicked the bank statement from cashapp, it transferred to XXXX and she said she couldnt take that. I also tried using another computer to see if XXXX came out and it did so it is the systems way of showing my documents. XXXX wouldnt take anything I gave her and she told me that she will keep my account frozen for 180 days until I show a statement from the bank that works with cashapp which is XXXX XXXX. I called XXXX XXXX and emailed cashapp and XXXX XXXX said they do not send bank statements from XXXX and I would need to get it from XXXX, which is what I did. I tried so hard to cooperate with her and I spoke to other agents from Venmo through the app since they arent taking calls and none of them are helping me out. I gave the company all of the proof I can that showed my identity but she doesnt want to take it. My rent is due next week and now I dont know what to do because that is all of my money I have right now. I will attach everything I sent to her and what she told me. Thank you so much!
Product: Student loan

All three of my student loans are with EdFinancial. 

In XXXX or XXXX of 2023 I applied for the XXXX repayment plan because it is the best plan for me based on my current income. When I calculated my loan payment twice before applying for XXXX and again when I did finalize applying for XXXX, my monthly payments came out to $ XXXX every time. So I knew that my payments, once they restarted in XX/XX/2023, should be about or a bit less than {$200.00}. My income has not changed enough in the past XXXX months to affect my XXXX payment. So there is no reason my XXXX monthly payments should change. 

When my payments restarted in XX/XX/2023, each payment on each individual loan amounted to more than my TOTAL calculated XXXX monthly payment. In XXXX, my payment was again several XXXX dollars above the XXXX payment. Only at the beginning of XXXX did my monthly payment finally correct to XXXX and lower to the correct amount. 

Because I didn't pay XXXX, XXXX, nor XXXX 's payments because they were all incorrect, interest has now accrued on totals that I would have lowered had EdFinancial promptly applied my XXXX application to my EdFinancial account and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my TransUnion credit report XXXX XXXX  ACCOUNT NUMBER XXXX Bal {$430.00} limit {$300.00} 60 DAYS PAST DUE XXXX XXXX XXXX opened XXXX XXXX, XXXX LIMIT {$300.00} XXXX CHARGED OFF HIGH BAL {$420.00} XXXX XXXXXXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX XXXX XXXX 6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXXXXXX Original creditor : XXXX XXXXXXXX XXXX  {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} XXXX Balance {$680.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXXCollection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXRevolving XX/XX/XXXX Closed Charge-off XX/XX/XXXXXXXX XXXX
Product: Debt collection

Company failed after several written request to provide validation of alleged debt. The opening dates are reporting as two separate dates on my cedit file which are innacuate. Under the Fair Credit Reporting Act if they fail to validate in a timley manner they must delete and remove. They failed to communicate after numerous written notifications were sent out. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX, responded with a letter stating that they did not report anything in public records. a copy of the letter was sent to Experian, XXXX and XXXX for removal according to violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. That would also include XXXX enforcement account # XXXX ; US BKPT CT FL XXXX Docket # XXXX ; XXXX XXXX CT FL XXXX Docket # XXXX I request that the items be deleted from the credit report and updated immediately. 
In addition, there are also collections and charge offs being reported they are inaccurate Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Product: Student loan

I have about 7 loans with XXXX XXXX. Then Navient was created so I had 5 loans with Navient ( they said it was federal ) and 2 loans with XXXX XXXX ( which XXXX XXXX said its federal ). 
Around XX/XX/2017, I was literally drowning in the bills because XXXX XXXX will be taking money from my account and so will Navient. I was told by XXXX XXXX that Navient was federal so they could help me get better rates for my repayment. Navient said they were private loans and couldnt offer me anything. This went on for daysrude customer experience from different managers/supervisors. So at this point I was just consideration debt declined to just consolidate all of my loans. But a friend just told me to try Navient again. So I called one last time and someone tried to help me. Paying one fee until XXXX. However, they forgot to apply one of my loans so here I was paying the lowest rate in all 4 loans and on the other loan ( that was applied ) a double rate. Since I couldnt do that I had to use my last three forbearance. Another payment will come out in XXXX, their saying that I owe them more than the payment thats already being withdrawn from my account. I spoke to a different representative again a couple of days ago. They wanted to put me in a different program again but it wouldnt include all my loans. I am sick and tired of dealing with dishonest people. Navient has affected both my loans and my parents loans because of Dirty trickswhich just keep increasing my principal. I have no idea where to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX
Product: Debt collection

I went to XXXX XXXX back in XX/XX/XXXX. While I was there they said my insurance was not working and that I had to call back when I got the bill and to get my insurance added. I got the bill in XXXX and I called to get my insurance added they said that I did not have insurance and that my insurance company had to send them a letter stating that I do have insurance. I was insured with XXXX. They sent the letter to myself and XXXX. I then got mail from XXXX saying that if I do not pay my bill I will be sent to debt XXXX. I emailed them and in XXXX XXXX that my insurance company sent them a letter stating that I had insurance. I told them I was happy to pay as soon as my insurance was added. They then responded back to me that it is now to late to add my insurance and I know have to pay the entire {$4000.00}. I asked to speak with who is making this descion becuase the people over the phone said it is a higher person but they refuse to talk to me. I know have been sent to debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of my ss # is XXXX Contacted and filed complaint with CFPB and XXXX, Mr cooper mortgage stated they would start reporting my mortgage loan that they have failed to report since my reaffirmation and bankruptcy discharge in XX/XX/2018. 
I sent the required letter requesting trade line credit reporting and theyve still failed to report my loan and payments for last 12 months.
Product: Checking or savings account

I am filing a complaint with CFPB regarding my capital ones 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 ( EFTA ) 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 card or prepaid card

My account was closed with out me being properly notified. I didnt receive a email nor mail that my account was closed. I called capital one to solve the issue. I was told that they couldnt open my account back up. By law protecting the customer using the far reporting credit act I should be properly notified any changes to my account. I should be notified in 21 days.which I was not. I am enrolled into paperless documentation and I dont have emails being sent to my email to any changes to my account. As of today I still get statements about my account still being open. Now I have a late payment reporting to my account as well from this. Im in the middle of buying a house and these are red flags for me. This shouldnt be a fight due their negligence from capital one sadly.
Product: Credit card or prepaid card

Account XXXX : XXXX XXXX : XXXX I would like to get a full refund for the defective printer that I returned XX/XX/2020. I provided Capital One with all requested information on XX/XX/2020 regarding the dispute however they still billed my account. please see attached paperwork.
Product: Student loan

All accounts I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires and accounts showing on my credit report that I did not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX   contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities XXXX and Transunion to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, XXXX and Transunion has not cleared that from my credit report record, which has a significant impact in me credit score.
Product: Credit reporting or other personal consumer reports

Multiple inquiries fraudulently  used without my consent .
Product: Credit reporting or other personal consumer reports

There are several accounts with my name, misspelled even birthday not accurately report it but they say its my account. I dispute these, and they still have not been resolved. I have not heard anything. Its been almost a year and still not been resolved. Ive contacted the credit bureaus I reached out several times I have not heard anything.
Product: Credit reporting or other personal consumer reports

The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below has reported several errors. I have disputed all of the items below and as yet nothing has been done. I have filed an extend fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information on my report has caused defamation of my character. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : Account number : Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Checking or savings account

My financial institutions is Bank of America. In XXXX of XXXX, I returned from XXXX to find multiple unauthorized charges against my account. At first I thought my card must have become compromised when using it out of the country, but then I learned the charges had come from the XXXX, in XXXX. My home is in XXXX and I have never been to XXXX  nor do I know a single person whom resides there. B of A flagged some of the charges as suspicious activity and I filed a claim for the ones they didnt catch. 10 days later, they provided me a temporary refund while investigating the claim. They canceled my card and told me I would receive a new card in the mail. Only 2 days later, all of the refunded money plus {$500.00} more was taken. I immediately notified B of A, They filed another claim, canceled the second card claiming to send another. I had to wait another 10 days for the refund but it never came. I called and was informed my claim was denied. I filed a dispute and finally got someone in customer service to help me get to the bottom of things. When I told her I had not received either of the XXXX cards sent, we began to suspect the mail was being intercepted and my cards fell into wrong hands. Turns out my account had been accessed and my mailing address had been changed to XXXXXXXX XXXX XXXX. She used this information in my appeal and they refunded the second claim. 2 months later I received insufficient funds notice due to B of A denying my original claim and taking the money back. The amount of financial hardship this has cost me and continues to cost me is outrageous and unacceptable. I refuse to allow them to neglect responsibilities to protect my account. They dismissed the fact that my account was accessed and my personal information had been changed to persons outside of my state, indicating a breach of security.
Product: Debt collection

You have contacted me about the account with which you claim I owe. 
I have no knowledge of any such debt being owed to Avante USA. 
I am familiar with the XXXX XXXX XXXX 's ( XXXX ) XXXX XXXX XXXX which states the following. 
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX
Product: Mortgage

Just when we thought wed signed our modification documents, SPS is at it again. They sent us our original modification dated XX/XX/2019, which we signed, notarized and sent our certified check on XX/XX/2019 to be delivered by XX/XX/2019. We just received a new modification with completely new terms, new percentage rate, new balloon at the end, and its now adjustable not fixed. That was dated XX/XX/2019 and delivered to us today. 

Ive attached the documents. Parts 1 & 2 are the new modifications, Parts 3 & 4 are the originals. Ive bulleted the main points below : 1st Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Signed XX/XX/2019 Delivered XX/XX/2019 Monthly due {$1500.00} fixed Percentage rate 3 % Balloon at end of term : {$130000.00} ( interest bearing ) In addition to another balloon : {$34000.00} ( no interest as I understand ) 2nd Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Monthly due {$1700.00} adjustable Percentage rate 4.25 % Balloon at end of term : {$210000.00} ( interest bearing ) Total Balloon on extended amortization is {$250000.00} Original loan amount : {$240000.00} We made 3 TPP payments of {$1700.00} on XX/XX/2019, XX/XX/2019 and XX/XX/2019 per TPP arrangements/guidelines.
Product: Checking or savings account

Subject : Request for Cessation of Excessive Calls Regarding Closed Account Dear Chase Bank, I am writing to express my concern regarding the frequent and disruptive phone calls I have been receiving from your bank. My account was closed several months ago, and I have been consistently receiving calls every few hours regarding an outstanding balance of {$200.00}. I understand my responsibility to settle this matter and have informed your representatives that I will make the payment on Thursday. 

However, the persistent and excessive nature of these calls is causing significant disruption to my personal and professional life. I kindly request that you intervene and ensure that these calls cease until the agreed-upon payment date. I am committed to resolving this matter amicably and will make the necessary arrangements to settle the outstanding balance as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Prepaid card

I received a vanilla gift card for {$500.00} on XX/XX/year>. I was unable to use the card at any merchants because they all required a ZIP Code. When I called vanilla gift card in order to register my card, I was not able to add an address as they stated because it was a gift card it is anonymous and address can not be added. When I explained that I could not use the card since it was an anonymous at any merchants, they agreed to refund me if I sent photos of the front and back of the card along with a refund request number which they provided me ( XXXX ) and a letter explaining everything. I sent all of this on XX/XX/year> and received an email back stating that I receive a refund delivered to my address in 7 to 10 days. When I called to follow up after not receiving anything on XX/XX/year>, I was informed that they had not received any of the documents. I reproduced the email which I sent to the correct email address, which I verified with them and resent all of the documents again. I again never heard back. I called on XX/XX/year> and was informed again that they had not received my documents and resent all of the documents again on XX/XX/XXXX, XXXX after not hearing from from anyone regarding my refund. I was informed that my case was being escalated and I would hear from someone within 24 to 48 hours. On XX/XX/XXXX, I called again and informed them that no one had returned my call. They again promised me that I would hear from someone at the latest by XX/XX/XXXX. Again, I never heard back from anyone so I called once again on XX/XX/XXXX today again and I was told that there was nothing they could do and I would just have to wait to get a refund or hear from anyone. They gave me a new case number for a callback, which is XXXX. Its clear this is a scam and they have no intention of refunding me. The company is Vanilla Gift and the cards are through incomm. There are numerous customers online on XXXX etc who complain about the same issues with Vanilla Gift cards and InComm. 
Thank you