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

On XX/XX/XXXX I was a victim of a XXXX spoof situation. I received a phone call from my mothers phone number while she was out of town. There was screaming women in the background who knew my name along with a male saying " he would XXXX XXXX mothers XXXX XXXX  if I did not send money. '' I complied and sent {$1200.00} to @ XXXX during this XXXX call. Further disturbing details can be found in the police report and venmo_fraud report attached to this submission. After the call I immediately attempted to contact Venmo with no luck as they do not have a contact number listed. 

Since I could not reach Venmo I filed a dispute with the bank who agreed with my dispute and blocked the charge from Venmo. Once the bank approved of my dispute and blocked the charge Venmo " froze '' my account put a {$1200.00} on it hold threatening to send me to collections. During this time I received XXXX payments for miscellaneous things such as food, utilities, ect. adding up to {$1000.00}. Venmo took this money from my " frozen '' account and contributed it to the {$1200.00} hold from the XXXX situation. 

On XX/XX/XXXX I realized there was a chat in the Venmo app which was the only way you can start a dispute claim. I was able to start a dispute here. As you can see in the attached file " Venmo Dispute1 '' my dispute was automatically denied on XX/XX/XXXX without any request for information. In " Venmo Dispute2 '' you will see a chain of emails from XX/XX/XXXX through XX/XX/XXXX going back and forth with no help or insight whatsoever with Venmo. I don't believe they were actually reading my emails, just automatically responding with immediate denials. 

The denial response on XX/XX/XXXX even states " Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' What exactly does " It sounds like the person you were transacting with did not fulfill their end of the transaction '' mean? Were they supposed to pull the trigger? 

I also called the number listed on the collections emails, XXXX XXXX XXXX XXXX, on XX/XX/XXXX only to be hung up on after being transferred to their poor excuse of a customer service department. 

I believe the way Venmo has handled this situation is near criminal given the time wasted and fact that they automatically are holding {$1000.00} of mine. 

I look forward to hearing from you.
Product: Student loan

My loans were placed into deferment without my approval or knowledge. I logged into my loan servicing site, Navient, to make my normal payments for the month of XXXX and discovered that all of my loans both private and federal had been placed into deferment. I never received any communication or request for approval for this to happen. I called Navient to try and resolve the issue, requesting that all of my loans be taken out of deferment and returned to the normal payment schedule I was previously on. My concern was, since the loans were placed into deferment, interest would begin to accrue and further more be capitalized into my principal. I made it clear in my initial call that I wanted the loans out of deferment, and to return to my normal payment schedule specifically to avoid any interest being capitalized. I was informed that my loans were removed from deferment and that I would be able to make my normal monthly payment for XXXX. I then proceeded to make my normal payments as I had done previously. 

Then in XXXX, when I logged back into my account to make my payment for that month, not only did I notice that I had not been returned to my normal payment schedule, Navient had also capitalized approximately {$100.00} worth of interest, despite me having made my normal payment for XXXX. I called again to have this straightened out explaining that I was to be returned to my normal pay schedule for XXXX and that the payment I made should be applied normally to avoid any interest capitalizing. I was told that nothing could be changed because the payment cycle had ended. When I inquired as to why my loans had been placed into deferment in the first place without my knowledge I was told that this was a federal requirement. This seemed suspect to me, especially since neither myself nor my cosigner received any notification. I again requested Navient return me back to my normal pay schedule for the month of XXXX. After speaking with both a representative and a manager, I was assured that I had been returned to my normal schedule. To date, my payment is due on XXXX XXXX and my account still does not reflect my normal payment schedule as requested. Additionally, none of the capitalized interest has been removed despite having continued to make my normal monthly payments. As a result, my monthly payments due has now increased because of the capitalized interest.
Product: Student loan

I paid off my student loan because off high interest. Through my credit card company. Ive called several times to make sure it was put in computer as paid off. I got confirmation from my other bank of check sent. The just keep telling me same thing they dont see anything on their side side showing anything going on with the payoff. This was done on XX/XX/XXXX. They have no problem sending me stuff that payments due when its not its paid off. They have always tried to XXXX me around and not help me. The services is American Educational Services. There number is XXXX XXXX. I w add it this resolved and away from them
Product: Credit card or prepaid card

Back on XX/XX/XXXX I mistakenly made a payment to Citibank credit card for {$1200.00}. Then I received a letter from my mortgage company XXXX XXXX XXXX XXXX  XXXX letting me know I was late. I looked into the situation because I am always on time and realized the error I made and immediately called Citibank on XX/XX/XXXX. I explained the situation and asked how I could get those funds returned to me due to it being for a mortgage payment. I was told that the only way was to have a credit refund check sent to me..I advised the agent of my address and was told I would have a check within 7-10 business days. Then I waited until XX/XX/XXXX ( 14 business days ) and checked with Citibank again because no check. This is what I was told : " I see that the refund check had been mailed out n XX/XX/XXXX, as you had not received it by XX/XX/XXXX we had cancelled that one and a new one was mailed out, it should be with you in this coming week. Could you confirm your mailing address for me please? I gave them my address and was told it went to a different address!!!!! I just got through talking to another agent and am being told that I should have a check within 3-5 business days!!!! The agent also suggested that he cancels the check request and once it is back in the Citibank Acct they can then send it to my checking account???? Really?? I asked for other ways to get these funds quickly so I can pay my mortgage and that was not an option back on XX/XX/XXXX but is now?? I even went to a bank to get a cash advance and was declined and found out that I can only get {$300.00} cash advance!!! In the meantime, I sit and wait for MY money that they want to play with and make more interest on and it is just not right ... XXXX.I made the mistake and paid the wrong creditor and that is my bad however, they know the situation and I asked for the check to be overnighted and that was not an option!!!! Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing XXXX XXXX XXXX/CHARGEOFF section in my credit report. 
I have no clue about this and not physically present in USA at the time of account open as per their information.
Product: Credit reporting or other personal consumer reports

Midland is reporting information to my consumer report that does not comply with the fair credit reporting act 15 usc 1681a ( 2 ) ( A ) ( i ) a consumer report does not include reports containing transactions or experiences between the consumer and the person making the report. According to 15 usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I didnt give none of the consumer reporting agencies or Midland written consent to furnish this information to my consumer report. Nor did Midland give me written notice or opportunity before the information was furnished to my consumer report to opt out, in accordance with the privacy act of 1974 or the Gramm Leach Bliley act title V for privacy and disclosures of nonpublic personal information. Also the amount of the account is inaccurate which is in violation of 15 usc 1681. According to my consumer XXXX XXXX  where the alleged debt was purchased is reporting {$2400.00}, and Midland is reporting {$2900.00}. According to the IRS publication when an alleged debt is written of as bad debt the company receives a tax credit for the amount of the debt which is considered income according to the IRC. Income is not reported to a consumers report, and I have not yet received copy b of the 1099c that was filed. Midland and its representatives will be held liable for any legal action I take next.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX Credit XXXX Bank Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date Of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$3000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX  XXXX Balance Owed : {$380.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX Balance Owed : {$270.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX Balance Owed : {$530.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX  XXXX Balance Owed : {$1000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - our records are revealing conflicting and incorrect information compared to other bureaus.
Product: Debt collection

I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.
Product: Credit reporting or other personal consumer reports

Have disputed with trans union several times and comes back verified and when I talk to them they say they only verify name and adress and they don't care if any of the other information is correct or not. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tennessee XXXX ( XXXX ) XXXX Is reporting inaccurate information on my credit report. I have never done any type of business with this company i have never gave this company my personal information and also have never even been contacted by this company.
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX - Account Number XXXX ( COLLECTION ) Balance {$220.00}
Product: Credit reporting or other personal consumer reports

Im incredibly frustrated to see unauthorized inquiries on my credit report, which appeared suddenly this morning. I double-checked by refreshing the page, hoping it was just a glitch, but unfortunately, the inquiries remain. Im urging you to thoroughly review the documents Ive provided and resolve this immediately so I can stop worrying about these unexplained entries.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

reported inaccurate information regarding me noted below : Addresses XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX unit Reason : I have no knowledge of such addresses XXXX XXXX XXXX XXXX XXXX : incorrect name Employment XXXX XXXX XXXX ma XXXX XXXX XXXX ma Reason : I don't know this employer
Product: Mortgage

After Hurricane XXXX, I contacted Ocwen to inquire about disaster assistance. I was given four months and told the payments would be put on the back end of my loan. Today, I received a call form Ocwen asking if I had been affected by the Hurricane. I feel that Ocwen should have known this already, because you have a file on me. The conversation went on, and I was told I never sent the forbearance agreement back. I never received anything in the mail requiring my signature and stated this. According to Ocwen as of today, I need to make payment arrangements for the months granted the forbearance. Its shows I am behind on my payments to Ocwen. This is a scam, they never sent paperwork and now state it too late to resend it. Why did you wait so long to notify me or ask if they were ever delivered, was my question. I have not gotten a response, however they begged me not to contact you. This company is not forthright with important information and has a history of deceptive practices. This should not have an adverse affect on my credit, due to their deceptive practices and ineffective record keeping. 

I would like to have these added to the ended of my loan as agreed upon in the beginning and the opportunity to sign the paperwork reportedly sent months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Name , Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to transunion and  XXXX  for all personal info to be updated.
Product: Debt collection

Creditor court file for wage garnishment on a old debt from year XXXX. The statute of limitations has run out.
Product: Credit reporting or other personal consumer reports

I have hard inquires that I did not authorize and I want it removed pronto, I sent multiple letter to correct this on XX/XX/year> and on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Experian did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Experian is allowing this to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter I sent to Wells Fargo requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Wells Fargo failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Wells Fargo has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. In addition to this Wells Fargo has not been able to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Debt collection

I just realized XXXX separate transactions from 2020. One is around {$400.00} for my health insurance with XXXX but another one that happens to be the same day was fake. I called and checked with XXXX already that I didnt owe them any debt. Also, the number appear one the statement is a loan company. I paid using the app or web site Im not sure sure Im sure I have no idea how they showed up the same day
Product: Payday loan, title loan, or personal loan

So i have been javing difficulties paying the loan and they have tried to work with me for a couple months. It all arose from being fired and without work from a job paying me almost XXXX a week + extra income to {$0.00} a week for 2 months until XXXX when i got a job making about XXXX a week... still making that now... anyways i told them i dont have money to pay for anything i can barely live and they keep making the amount lower id have to pay ... .okay i still dont have money ... as the last 3 months have gone i get no less than 5 calls PER DAY 7 days a week. text messages from multiple different numbers and im sure if i checked emails ... this is minnd you is affter i answered calls about a month ago saying i have until XX/XX/XXXX to maek a payment... i said okay ill see hwat i can do ... .then the kept calling harrassing me trying to get payments then and there or trying to post date something hen i explicitly tell them on the calls i hav eno money i go paycheck to paycheck i barely hve {$30.00} a week for food by tthe time my paycheck hits. so again im at work i receie 4 phone calls alone last night XX/XX/XXXX after XXXX during work service. then received messages as well. in total 28 calls since XX/XX/XXXX from one of their phone numbers another phone number 28 during the month of XXXX and XXXX another number 38 times between XX/XX/XXXX XX/XX/XXXX, aother number 5 calls in XXXX phone numbers XXXX XX/XX/XXXX - XX/XX/XXXXXXXX times XXXX XX/XX/XXXX - XX/XX/XXXX times XXXX XX/XX/XXXX - XX/XX/XXXX XXXX am most recent 28 times so far this month 4 times XX/XX/XXXX one at XXXX XXXX after XXXX XXXX XXXX calls XXXX XXXX XX/XX/XXXXXXXX XXXX