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

On XX/XX/XXXX I received an email ( included ) that may account had been closed and I owed {$8.00} in overdraft fees. I immediately sent a cashiers check to the address included in the email ( Citibank N.A.Bank by Mail XXXX XXXX XXXX. XXXX, MO XXXX ). I waited 10 business days and called to confirm the check was received. According to customer service, it was not. In the weeks to come I called countless times and spent SEVERAL hours on the phone with Citi Customer Service while they tried to locate the check for {$8.00} to resolve my account. I was told the check was never found. Then in XXXX I worked with my bank ( XXXX ) and they confirmed the check was cashed on XX/XX/XXXX ( Ive included proof of the cashiers check being cashed by LOSS REPORTING ). 

At this point, Im not sure why I was never told my account was in good standing by the customer service team, since the check was cashed in XXXX. 

Then on XX/XX/XXXX, I received a letter ( included ) that the check for {$8.00} was available at a branch in XXXX XXXX and that my account was given an auto credit. At this point, I assumed all the phone calls trying to locate the check were not necessary and that my account was cleared of the overdraft charged. 

Then on XX/XX/XXXX, I received TWO letters ( included ). The first letter dated XX/XX/XXXX is the exact same letter as the XX/XX/XXXX letter and explains the check is available at the XXXX XXXX branch and the account was given an auto credit. The second letter dated XX/XX/XXXX is stating the check has not been located and is requesting proof of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank you.
Product: Student loan

Navient calls my daughter, myself and my ex-husband about 20-25 times a day each. They do n't answer, and I am at work all day where I ca n't answer the phone, so they call my work as well as my cell phone number. I am going through a very bad divorce, my husband left with the marital funds and I do n't know where he is leaving me living from paycheck to paycheck ( and not a lot ). When I was home after having XXXX in XX/XX/XXXX, Navient called my work again and again ( a college main office ) and had the nerve to leave a message for me with our STUDENT WORKER!! They asked for me and, said it was XXXX from Navient, and said to forward a message to me about a personal matter. How mortifying a student had to email me at home in recovery about my late student loan payment! This is from when my daughter went to college for her degree several years ago. <P/>Here is what I found in my inbox from my STUDENT WORKER! Checking in & Forwarding message XXXX XXXX XX/XX/XXXX to me Hi XXXX, I hope you are healing fine and getting plenty of time to relax and restore. I 'm emailing you because a call came in for you by a woman named XXXX from Navient. She asks for you to contact her when you get the chance. Her number is ( XXXX ) - XXXX - XXXX XXXX XXXX. <P/>
Kind regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four letters to Experian credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time experian mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Experian have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Experian is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
Product: Money transfer, virtual currency, or money service

Venmo is a scam organization. they are keeping my funds since many months! they stole {$7000.00} from me. on XX/XX/XXXX they send an email that I can finally withdraw my funds but untill now their system is not allowing me to add a new bank account! I messaged support they claim the account is closed and do not bother to say how I get me funds. they act like the money belongs to them now! 
I send several emails NOW THEY STOPPED REPLYING!!!!!
Product: Vehicle loan or lease

Inaccuracies in Consumer Report Dear Capital One Auto, I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present in my consumer report, specifically related to my dealings with Capital One Auto. Attached to this letter as Exhibit COA-111, you will find the evidence supporting my claims. 
It has come to my attention that the consumer report provided by your organization contains information that is not accurate or reflective of my true credit history. These inaccuracies are causing significant challenges for me in securing credit and adversely affecting my financial well-being. 
In light of this situation, I kindly request that Capital One Auto conducts a thorough investigation into the inaccuracies in my consumer report and takes immediate action to rectify them. It is essential that the information provided to consumer reporting agencies accurately represents my creditworthiness and financial standing.

I understand that Capital One Auto has an obligation to ensure the accuracy and reliability of the information it reports to consumer reporting agencies. As such, I expect your organization to promptly correct any inaccurate or misleading information that has been furnished on my behalf.

I kindly request that you provide me with a revised and accurate consumer report that reflects the correct and updated information within the shortest possible timeframe. Additionally, I request that Capital One Auto notify all relevant consumer reporting agencies of the corrections made to my consumer report.

I trust that Capital One Auto will handle this matter with the utmost urgency and ensure that the inaccuracies in my consumer report are rectified in accordance with the Fair Credit Reporting Act ( FCRA ). Prompt resolution of this issue will not only protect my rights as a consumer but also contribute to the fair assessment of my creditworthiness.

Thank you for your attention to this matter. I look forward to receiving a written response within 30 days acknowledging the receipt of this letter and providing a timeline for the resolution of the inaccuracies in my consumer report. 
Yours sincerely, XXXX XXXX
Product: Checking or savings account

Dear CFPB, I am writing this letter to file a complaint against Friday by DailyPay for restricting my access to my paycheck funds by not updating my login information in a timely manner. I have been unable to access any of my money and the company keeps giving different timeframes. 

I have also had other issues with the company such as taking too long to resolve the issue, poor customer support, rude customer service, and refusing to release my funds to me. 

I have tried to resolve this issue with the company but they have not been able to provide me with a satisfactory resolution. I am therefore requesting your assistance in resolving this matter. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Checking or savings account

I have wellfargo and Im always charged XXXX overdraft fee or XXXX atm withdrawal fee
Product: Mortgage

On XX/XX/XXXX, Ocwen Loan Servicing, LLC, communicated for the first time that the flood insurance had expired. Under Florida statutes a lender or servicing company must provide sufficient notice to the homeowner at least 30 days before it actually expires to avoid any gaps or lenders force placed insurance. 

We provided flood coverage. However on XX/XX/XXXX, Ocwen loan servicing LLC, responded that was unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX. 

In response to their letter dated XX/XX/XXXX, unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX, be advised Ocwen Loan Servicing LLC, stated on thier previous letter on XX/XX/XXXX, that the policy had expired. This means that there was an existing policy. As per Fema regulations, when ever a homeowner has an existing flood policy there is no gap when renewal because is a rollover.

As per Fema regulation, when is a new flood policy then there is a 30 day wait. Ocwen made an admission on XX/XX/XXXX, by clarifying that there is an existing flood policy and therefore is a rollover with no gaps. Whys is Ocwen referring to a Gap? Because is a long time scheme Ocwen was engaged to for many years. 

In XXXX, a class action lawsuit XXXX v Ocwen Loan Servicing, the servicer agreed to a XXXX XXXX class action lawsuit settlement over allegations they entered into a force placed-insurance scheme that charged the homeowner inflated premiums for flood policy. 

Ocwen, failed to provide us with the flood renewal within the statutory 30 day prior notice to the policy expiring. We ask that you investigate the matter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX {$21000.00}
Product: Credit reporting or other personal consumer reports

I HAVE CALL AND SENT OUT MAIL TO ALL THE XXXX  CREDIT REPORTING AGENCIES TO PUT THEM ON NOTICE!! BUT NEVER GOT A ANSWER... I HAVE NOW SENT A COPY OF THIS NOTICE TO ALL REG AGENT IN MY STATE I am an identity theft victim and i have absolutely no knowledge of the allege debts listed on my CREDIT file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) listed on my Police report and Identity theft report be remove IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL EXPENSE. my attorney is ready for FEDERAL COURT or ARBITRATION. 

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 REMOVE ACCOUNTS FROM MY FILE BLOCK
Product: Consumer Loan

My wife XXXX and I took out a personal loan with XXXX Bank to be serviced by Firstmark Services. We received an email ( attached ) that explains our loan was accepted on XXXX XXXX 2017 at XXXX. We called Firstmark to discuss the payments only to find out the first payment is due on XXXX XXXX. Only 27 days after finding out our loan was approved. We spoke with a representative who told me they can not change the date due as it 's set between 30-45 days after the loan is approved. Unaware XXXX only has 28 days that put their current methodology 5 days short of their own practice. It also put us in a bind having to make a payment not around paychecks. We were then incorrectly told to speak to XXXX to change the date. We called them and were told they could n't change it and that Firstmark needed to. So I asked what the grace period was. I was promptly told " your loan has no grace period ''. I asked to speak to a supervisor knowing what she told me was illegal and wrong. They were gone for the night. I then called Firstmark back repeating the information that XXXX ca n't change the payment date but Firstmark would need to. They said a supervisor would call in 24-48 hours. I called back the next day and was told by XXXX supervisors the payment date ca n't be changed period. So the previous 30-45 day statement turns out is n't true either. At last the company tells me the systems have crashed at both XXXX and Firstmark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Mortgage

We applied for a home equity loan and were required to produce the loan deferment paperwork signed by us and XXXX XXXX during the pandemic. XXXX XXXX sold the loan to Fay Servicing and can not issue the paperwork. My first request to Fay Servicing was XX/XX/XXXX at which point they assured me I would get it by XX/XX/XXXX. XX/XX/XXXX was the final day to submit all paperwork for the HEL. On XX/XX/XXXX I called XXXX again and they advised I follow up through the messaging system in my online account. On XX/XX/XXXX they replied " Thank you for your message. Please note that our records indicate that you were assisted by a customer service representative as of XX/XX/XXXX and were advised accordingly. Please contact the customer service department on XXXX for further assistance on your inquiry. '' I called again and was told there was nothing they could do, as the company was researching the issue and I'd have to wait. We now need to re apply for the HEL but need this paperwork to proceed. We have no where to turn to get it. Please advise.
Product: Debt collection

XX/XX/XXXX Penn Credit Corp/XXXX XXXX I paid {$290.00} in full to have the item removed from my credit report, as of today XX/XX/XXXX it's still there. I have spoken with numerous agents at the company, and I have also had XXXX XXXX, XXXX XXXX, and XXXX XXXX to assist, which I stop using them because I was spending money with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid all my credit cards down to a zero balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Product: Money transfer, virtual currency, or money service

Paypal limited my account because due to a dispute they claimed I owed them money. I paid the disputed amount and owe nothing to PayPal. I have requested they close my account permanently and remove all banking information from their system. They have refused and want me to provide copies of a bank statement, a copy of my driver 's license and additional personal information to close my account. There is no legally justifiable reason the need additional personal information to close my account considering they verified I was calling them on a phone registered in their system and also verified my email address associated with the account. I believe they are merely using this as an attempt to mine data that they can sell or otherwise use to profit. I request your assistance in resolving this issue
Product: Debt collection

On XX/XX/2020 XXXX XXXX XXXX 2020 reported XXXX a company I have zero knowledge of and never engaged in a contract with fraudulently reported a negative blemish on my credit report damaging my score and affecting my personal character all the while violating the FCRA federal laws by reporting false information. Please let it be known this debt is not validated. I see they claim to be attempting to represent a phone company in the name of XXXX. My accounts with XXXX, all though none of there business, have been paid in full and I will upload the {$0.00} balance receipts in this complaint. This is now consecutive times this false reporting has been attempted. A lawsuit will be filed if it happens again. see attached receipts. And regardless of them, again, I never engaged in a contract with ENHANCED RECOVERY CO L regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXX from XXXX Hawaii USA and made fraudulent accounts like aspire credit card and XXXXXXXX XXXX XXXXXXXX Plus XXXX XXXX XXXX
Product: Student loan

I have a Navient private student loan that was co-signed by my paternal grandfather aunt in XX/XX/XXXX for {$16000.00}. I have been paying an interest rate at 8.625 % since XX/XX/XXXX. The interest type is variable. I completed graduate school to become a XXXX in XX/XX/XXXX. Prior to completing school, I was required to pay monthly interest payments of {$110.00}. Upon graduating XXXX school, I had to pay interest + my monthly payment. I could not do so. Since XX/XX/XXXX, I have secured employment, but was unable to pay the full amount. I explained this to Navient on multiple occasions. I inquired about consolidation and income-drive repayment plan due to only making {$42000.00} a year. They said those were not options for my loan. I stated my federal loans were consolidated. Again, Navient stated the loan I have does not allow me to consolidate or complete an income-driven repayment plan. Navient has caused tremendous amount of XXXX on myself and my family. I have no financial help to keep up with payments, nor is the loan decreasing. My current amount in XXXX/XXXX/XXXX due is {$17000.00}. Both my grandfather and aunt of passed since XX/XX/XXXX. I was not there when my grandfather took out this loan. My grandfather, XXXX was from XXXX XXXX. He did n't read XXXX and XXXX was his first language. I honestly feel like he was directed into signing something he did not understand. He wanted me to finish college and I could not do so without a loan, which makes all of this even more sad if Navient did this to make more money. I saw Navient in the news and wanted to file a complaint. I knew something about this loan was not right, but I am not a finance major. I work with XXXX-XXXX year olds with XXXX and it never crossed my mind I could have been wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX XXXX no answer I dont use XXXX XXXX You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge