23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018, we received an escrow disbursement check for {$8.00} from Ocwen Loan Servicing. Now ; on XX/XX/2018, we refinanced our home with XXXX XXXX XXXX XXXX. In XX/XX/2018, XXXX XXXX XXXX XXXX paid off this mortgage loan. NOW : it's been three months so why didn't Ocwen send us the full escrow reimbursement amount when Ocwen sent us the previous reimbursement check on or around XX/XX/2018 for {$330.00}? It appears that an employee of Ocwen Loan Servicing charged us for satisfaction fees when we were NOT suppose to be charged! So, why did Ocwen charged us these fees? Does federal or state laws allow mortgage servicing companies to charge satisfaction fees?
Product: Money transfer, virtual currency, or money service

Please refer to Complaint Number XXXX, which I incorporate into this complaint by reference. I repeat and reallege all allegations of that complaint as though fully set forth herein. 

I MAKE THIS COMPLAINT AGAINST BOTH PAYPAL AND VENMO. VENMO IS IN SOME FORM OF SUBSIDIARY RELATIONSHIP TO PAYPAL. 

Venmo/PayPal XXXX through its own fiduciary failure has frozen {$2000.00} that was deposited into my brand new and only Venmo account. Venmo support sent me an email saying essentially because of their own workload considerations, that they will take 7 days to two weeks to free up these funds which they had no right to have locked in the first place. 

This is a gross fiduciary violation. Venmo / PayPal should be enjoined by the federal government from operating unless and until they correct their abuse of their fiduciaries ( in this case myself and the relative who sent the {$2000.00} ). We used Venmo on the good faith belief that Venmo would not engage in its fraudulent misconduct and fiduciary abuse. 

Announcing that it would take up to two weeks for them to reverse their egregious abuse and theft of these funds constitutes WILLFUL, KNOWING theft of the funds, and WILLFUL, KNOWING fiduciary abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX XXXX AND XXXX I Equifax stated that they verified this account and did not send proof on how they verified this account nor documents showing I gave permission to authorized nor my signature. I need this account deleted asap.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account : NEW CITY FUNDING CORP Account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights. According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question. Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency. I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : XXXX. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details. XXXX. Evidence that the charge-off was reported accurately and within the timeframe allowed by law. XXXX. Documentation proving that the reporting complies with the XXXX XXXX format guidelines. XXXX. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported. Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. Please provide a written response within XXXX  days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sold a mobile phone ( XXXX XXXX XXXX XXXX ), ( new open box ) on XXXX on XX/XX/XXXX to Buyer. Payment was received on XX/XX/XXXX through PayPal ( {$140.00} ).  Item was shipped by me the Seller, to the Buyer at address provided. Tracking information provided in screen shot from XXXX on attachment. Item was delivered on XX/XX/XXXX. 

Buyer had a question using a sim card and sent this correspondence through XXXX. Seller responded, then Buyer had another question on accessing the phone. Seller provide link on how to reset phone and Buyer responded all okay. Buyer has acknowledged receiving the phone, taken pictures of it and started using the phone. 

On XX/XX/XXXX the Buyer filed a complaint with their financial institution and requested back all monies they paid. PayPal sent an email to Seller, noting this complaint in Sellers 's account. Seller provided documentation showing Buyer was delivered the phone, has been using the phone for 4 months, and has not returned the phone. This documentation was uploaded to PayPal and supposedly forwarded to the Buyer 's financial institution. Buyer 's financial institution subsequently debited Seller 's account by {$140.00} plus a {$20.00} charge back fee.

During this time Seller spoke to XXXX and PayPal numerous times. XXXX, claims to only holds Seller / Buyer records for 30 days. Thus providing no means for Seller to access records or providing any Seller protection when fraud is being committed on behalf of a Buyer.  Additionally, XXXX received their fees from Seller on item sold and also has not refunded these fees to Seller. XXXX claims this is out of their control and after 30 days washes their hands of matter. Note : USPS limits tracking to 120 days. 

PayPal, notes they offer " Seller Protection '' but this is a complete misnomer. " Seller Protection '' would imply if fraud or other criminal activity occurs Seller would be protected and be reimbursed or have protection of funds received. However, " Seller Protection '' under PayPal is actually only a conduit for the Seller to respond to a one way conversation in a dispute such as this. 

All persons Seller spoke to on XXXX and PayPal agreed that this claim by the Buyer was fraudulent but offered no remedy to the Seller. PayPal additional would not provide Seller with the name of financial institution that initiated the charge back or provide a means to contact this financial institution 's fraud department, thus adding to their complacency in this wire fraud scheme. Additionally, both companies indicated ( in speaking to various representatives ) that this type of fraud happens all the time. 

PayPal and XXXX both have a fiduciary obligation to protect their financial networks from fraud and criminal activity. Both companies offer no protection to Sellers based on fraudulent activity such as this or take any steps to curb this activity.
Product: Student loan

Navient is currently reporting late payments on several accounts they list as closed on my credit reports. I was never late.
Product: Checking or savings account

I have a few different reference numbers from my requests. XXXX I was supposed to be hearing back from a regional manager XXXX with reference number XXXX. It has been a longer time and I haven't heard back. I called US Bank numerous times tonight. Multiple times before they even authenticated my account they said they could not help. 

There are parking lot lights out at the XXXX location. I have XXXX and it is hard to get around the at night to complete my banking. 

I called in tonight once and was told I was in the wrong department. I was transferred to another building and after the agent authenticated the agent disconnected the call. I called back and was told I would get a supervisor which went to voicemail. I called again and was again transferred to a supervisor by voicemail. The next time I called the representative said she could not help. SO I have no other choice but to go through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Good afternoon Sir or Ma'am, I am filing a complaint against Wells Fargo credit card for failing to resolve a dispute in my favor, as evidence of a company name, XXXX that defrauded me for {$3800.00} on XX/XX/XXXX after they claim that the Sales Order # XXXX was shipped out to me. At first my credit card authorization did not go through because they were persisting on sending me the order. Somehow they were able to later on charge my credit card and event sent me out the order. It was a phone order and the items they shipped to my house were never what I ordered. I called them and asked them to pickup the order sent to my house and they instructed me they would have charged me an additional {$400.00} for the return. I agreed to the return charge, but they never followed up with picking up the order and XXXX  decided to instead sent me additional parts for the messed up order. I kept on writing XXXX regarding a refund for the {$3800.00} and the company 's leadership would always denied it. I also found out the product electronic components were also not working and the product also pose a safety hazard when you seat on it which causes the person to be thrown off the chair when the person tries to turn or even get off the chair. I informed XXXX about the safety with the chair and I was informed that they can't so anything about it and I'm stuck with the chair. 
I contacted Wells Fargo and filed a dispute in order to recoup my money and the dispute department was never able to get the money back. Below you will see the case number including the people who communicated with me and they were very rude and unprofessional. 
Case # : XXXX XXXX XXXX ( Wells Fargo Executive Dispute Department ) Case # : XXXX XXXX XXXX ( Wells Fargo Executive Dispute Department ) Case # : XXXX XXXX ( Wells Fargo Executive Dispute Department ) The case was then sent to the Wells Fargo Credit Card Executive Office, XXXX XXXX declined it because she decided to only verbally communicate to the XXXX and not me ( XXXX XXXX ) and the XXXX lied to about the fact that I tried to cancel the order, the wrong order was send to me, the products were defective, and the products were unsafe. When I receive a letter from Ms. XXXX XXXX who denied the dispute, she informed me the lies that the theaterseatstore told, she didn't know about it, and she couldn't do anything about it. 


The information below are from the XXXX XXXX : XXXX Phone # : XXXX Sales Order # XXXX XXXX XXXX Customer Support and Claims Specialist T : ( XXXX ) XXXX ( XXXX ) ext XXXX F : ( XXXX ) XXXX E : XXXX XXXX XXXX Customer Service Manager XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX T : ( XXXX ) XXXX ( XXXX ) ext. XXXX F : ( XXXX ) XXXX XXXX The information below are from Wells Fargo : Name : XXXX XXXX XXXX Case # : XXXX Ext # : XXXX XX/XX/XXXX Wells Fargo Executive Disputes Name : XXXX XXXX Phone # : XXXX Ext : XXXX Case # : XXXX XX/XX/XXXX XXXX XXXX ( XXXX 's Manager ) Date : XX/XX/XXXX Case # : XXXX XXXX Ext : XXXX Wells Fargo ( Legal Matters ) Corporate Office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

The original creditor was XXXX XXXX XXXX I received a letter to my address I lived at for 12 years stating I had {$600.00} bill to a address I never heard of of lived I reported it was identity thief sent all the documents proven I never lived there now its has been on my credit with a new debit collector I have spoken to new collector and all 3 credit bureaus to get removed and disputed numerous of times. And when I speak to the collector they continue to say to me they have reported to all 3 credit bureaus of the inaccuracy but it still comes back as accurate this has been going on back and forth since 2018 and it just seems its not getting resolved
Product: Credit reporting or other personal consumer reports

Per USA 1692 a charge off is considered a Certificate of Indebtment which means income. XXXX XXXX XXXX charged off debt XX/XX/XXXX. They never sent me a 1099c as I know they filed for. I too had to file a 1099c and they are refusing to update my accounts to paid in full! Im requesting that as the consumer this issue be resolved. 

According to the Privacy Act of 1974 USC 6802 USC 6805 Law States it is Illegal to report transactions history and negative remarks being reported.
Product: Bank account or service

On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.
Product: Debt collection

I am getting repeated phone calls from portfolio recovery from several different numbers all hours of day and night. XX/XX/XXXXXXXX again at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. They do not identify themselves when they call, they will not state the company they are calling from without an argument and are telling me that they want to collect on my XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX in good standing and tell them I do not owe XXXX XXXX any money they claim its an old debt. I tell them that I do not owe and they get beligerent so I get beligerent back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX University XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, AXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX my rights. 

Inquires XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXg XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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
Product: Vehicle loan or lease

This is in regards to the Wells Fargo auto loan XXXX. I spoke with Wells Fargo on numerous occasions to inquire about the late payments on this account. I spoke with XXXX from Wells Fargo deferment department during these periods and advise him and the department that not only did I have XXXX in XXXX but I was laid off during these periods from 2 separate jobs due to unforeseen company closings. The late payments I am referencing are XXXX, XXXX, XXXX and XXXX of XXXX & XXXX. I was unemployed and struggling financially to keep up with my payments. I was still able to manage to make my payments within that time but they were late. Upon speaking with the deferment department I advised them of my current situation and they were more than willing to work with me on this matter and also advised me that I could in the near future once my loan has been paid back to reach out to Wells Fargo Corporate to have the late payments removed. I have since sent numerous letters to Wells Fargo corporate office and have not heard any response. I have been asking for Wells Fargo to please remove these negative marks from my Credit as I am in the process of purchasing a home for me and my family and these marks are hurting me a negative way. If you could please consider my request I would appreciate it very much. During those time periods I was experiencing temporary hardship and still trying to re-establish my family after recovering from the XXXX pandemic. I am now back on track 100 % with stable income and I am looking to build a stable future with my family. Thank you for your consideration into this matter.
Product: Debt collection

I was in a lease in 2001, I turned the vehicle in and XXXX XXXX bank signed off that nothing was owed and everything was in good repair. Now they are trying to come after me for money, {$1700.00} when I never even owned a debt in the first place. This has been over 14 years ago, I do not even owe it and they are trying to garnish my wages and charging over 200 % interest. This is illegal. XXXX XXXX bank has no record of it, obviously this is fraud. I believe they constantly harass me because I am a woman as well, this is not even a debt, they brought this from the woodwork and cannto provide me documentation of it, nor can XXXX XXXX, it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After  receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$1400.00}