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

I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened account in XX/XX/XXXX with XXXX XXXX XXXX for a used SUV. On XX/XX/XXXX I moved across the state and ended up defaulting on the loan as a result of an incident involving XXXX XXXX from an ex boyfriend. Sometime near the middle of XX/XX/XXXX, a guy showed up at my residence and hooked up his vehicle to my SUV associated with the account from XXXX XXXX XXXX, said he works with XXXX XXXX XXXX and took off with my SUV. I never received any communication from XXXX XXXX XXXX as to the repossession of the vehicle. Nothing. Then I notice sometime later on my TransUnion credit report the account with XXXX had been reported on as current ; paid or paying as agreed and listed under " satisfactory. '' The account was never reported as " repossessed. '' But I noticed a second account from XXXX XXXX XXXX was opened in the middle of XX/XX/XXXX, after I had moved across the state and there being no communication whatsoever with BSF. It stated the " last payment made '' was in XX/XX/XXXX. I knew absolutely nothing about this account let alone having made ona single payment on this account! I noticed this second account was stemming from the initial account I opened with XXXX  XXXX XXXX XXXX took the vehicle..had the vehicle in their possession yet fraudulently opened a second account in my name and expected payment on a vehicle they repossessed! After several years, the initial account was closed then XXXX sold the fraudulent account to a debt collection agency, XXXX XXXX, as seen on my TransUnion credit report. In true fashion, as with XXXX I never received any form of communication whatsoever from XXXX XXXX as to the account they acquired from XXXX XXXX XXXX. Then on my credit report, it shows the total owed to these two companies is more than {$12000.00}! To me trying to comprehend what the heck is going on, it appears I now owe more than {$12000.00} to two different places for a vehicle that XXXX took back possession of. I refuse to take responsibility for these 2 accounts because first and foremost, I do not have the vehicle anymore, essentially it was involuntarily given it back. And second, I didn't open a second account with XXXX XXXX XXXX to sell to a debt buyer. As far as TransUnion goes, I can't seem to get anymore to update my correct information including my current name.
Product: Debt collection

I hope this letter finds you well. I am writing to address some concerns regarding recent late payments on my account. I have noticed that there have been delays in the processing of payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient charged off a loan i have been paying on that i was promised was included in my IDR ( income driven repayment ). I make payments about 2 months in advance. Originally it was charged off to  XXXX ,  XXXX   XXXX   XXXX  I was told they had had the loan since  XXXX . But i was never informed of this, i 've lived in the same home since  XXXX  and have had the same phone number since  XXXX . Navient apparently recalled the file from them on  XXXX   XXXX   XXXX , but charged it off to a new company in  XXXX   (  while this company still had it and while i 've been making payments to Navient ) I am now being hounded by this new company and i refuse to pay them while making payments to Navient. The new company has received proof that i have been paying Navient and agrees i 've been paying them, but because Navient is not putting the money towards the loan they charged off to this new company i am apparently responsible for both files ... I refuse.
Product: Mortgage

This mechanism has been designed to inform you that I XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX, XXXX.Pa XXXX. I have been struggling since the XXXX XXXX which took place during the XX/XX/XXXX-XX/XX/XXXX. My mortgage was transferred through the XX/XX/XXXX. It went from XXXX XX/XX/XXXXto XXXX XXXX to XXXX XXXX XXXX. I also know that XX/XX/XXXX was a fraud, and I also know that XXXX XXXX was in a lot of trouble for this. My mortgage has been passed through a dangerous system. No one can tell me who owns my mortgage as of this day. If you could look into this matter it would be greatly appreciated.
Product: Student loan

Also according to the FCRA section 605B, it is illegal to report information on my credit report without my permission. Please remove from my credit report. My permission was not given and by law 3 attempt warning letters have to be sent which they never were as required by law.
Product: Credit card

Reached out a couple times trying to get assistance as my health has declined and I'm trying to focus on my health and XXXX. 

Tried to call BofA again for assistance but their automated system will not recognize or accommodate for XXXX. I was driving and it kept asking me to input information in rather than transfer to a live agent and they look up the information. 

Texting while driving is dangerous. 
An automated system that hangs up on a customer rather than allowing all but especially XXXX veterans to speak with a live person also worsen my XXXX. 

I am one person they have over XXXX employees my health isnt great it takes me a long time which is why I have had to submit so many complaints and I have yet to receive any assistance from any of them I'm hoping since I did work on the XXXX high risk team and was an excellent employee perhaps BofA will assist me consolidate my debt and grow my businesses. 
XXXX
Product: Vehicle loan or lease

Approximately around XX/XX/XXXX I called bridgecrest and I spoke with someone regarding that I do not work full time hours anymore due to convid. I was told that my auto loan could be pushed back, so now XX/XX/XXXX I am in the process of moving and my credit score is being pulled and my auto loan is reflecting negative on my credit score which is why I am having a very difficult time getting approved for homes.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus are reporting inaccurate loan amounts.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX To whom it may concern : On XX/XX/XXXX, I XXXX XXXX, purchased a money order through Western Union Transfer Company ( money order # XXXX ). The money order was purchased at XXXX store # XXXX. The money order was written out to XXXX XXXX XXXX for the amount of {$660.00}. I took the money order to the XXXX XXXX XXXX after hours drop off box, placed money order inside of the drop off box. I later discovered that the money order was somehow stolen from XXXX XXXX XXXX office. The stolen money order was cashed at XXXX XXXX XXXX  on XX/XX/XXXX. 
I received a copy of the forged money order along with other banking information associated with the stolen money order by a XXXX XXXX XXXX  Representative, that documentation has been uploaded. I contacted Western Union to make them aware of the stolen and forged money order, I was instructed by a Western Union forgery department representative, to fill out the back of the money order receipt, then send to Western Union Forgery Department located in XXXX Colorado. I was told that I would receive a Western Union Intended Payee Affidavit paper to take to XXXX XXXX XXXX to have paper filled out and signed by XXXX XXXX owner/manager then send notarized paper back to Western Union Forgery department and I would be reimbursed for my lost. 
On XX/XX/XXXX, I sent the completed Affidavit back to the Western Union Forgery department. The affidavit was sent certified mail by USPS. The Affidavit was received by XXXX XXXX XXXX at the Western Union Forgery department. I contacted Western Union Forgery department a week later to be informed that the affidavit never arrived at the forgery department. I called Western Union forgery department a week later to be informed once again, that the affidavit had not arrived or been received at the forgery department by any of the representatives. A Western Union forgery department representative mailed to me ANOTHER payee affidavit form to be completed by payee. Once again, I repeated the process of having affidavit form completed and mailed back to the Western Union forgery department. 
Refusing to be disappointed again, I made copies of the completed payee affidavit form along with certified mail documents, also affidavit and certified mail documents are uploaded to my case. On XX/XX/XXXX, I called and spoke to a forgery department supervisor to be told that Western Union had not received completed forgery affidavit. I called Western Union to speak to a forgery department supervisor and was routed to a Western Union customer service representative. As of today, no one has contacted me from the forgery department to let me know the status of my money order claim. I am discouraged and outraged over the way Western Union has handled this claim. I have been a Western Union customer for more than 20 years. I am requesting assistance from your department to contact Western Union to see why they are not being a company of integrity and not complying with the reimbursement instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I made a settlement agreement with MRS BPO , LLC for XXXX XXXX XXXX, for XXXX to pay of the debt, I made XXXX payments on the account, from my bank, when MRS BPO , LLC contacted to continue to settle the debt, they would not honor the payments I had made previously to the account but in return wanted another XXXX dollars to settle the debt, I explained to the representative that the payments I made should be applied to the balance and subtracted, the representative replied that the payments that I made was now void toward the payoff of the settlement!!
Product: Debt collection

I sent an email to XXXX last week requesting to file a complaint against Midland Credit Management for their illegal collection practices. 

Today XX/XX/year>, my mortgage company informed me that MCM has sold the remaining balance ( {$390.00} ) to another collection company ( XXXX XXXX ). 

Midland Credit Management and I agreed to settle this account in full on XX/XX/year> for {$830.00}, which I immediately paid. They have since refused to give me a receipt. 
I found out today that they sold the remaining balance to another collection company. This is completely illegal and immoral at every degree. 

Again, I am requesting that a criminal complaint be filed against Midland Credit Management Services for its illegal actions taken in this matter. Because, I am sure it is illegal for MCM to agree to except a settlement as full payment and then sell the remaining balance to different collection agency. 

I would greatly appreciate any help you may be able to offer in resolving this matter, as the illegal actions taken by MCM have seriously hindered my ability to complete the purchase of my new home. Thank you. 


Respectfully Submitted, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Acct. # XXXX Midland Credit Management ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID : XXXX
Product: Credit reporting or other personal consumer reports

Despite some of these accounts were already being removed from XXXX and TransUnion on XX/XX/XXXX & XX/XX/XXXX of XXXX, I still keep seeing these under other credit bureaus ' record. 

This made me questioned their accuracy because first of all, they should only be referring these information from one furnisher of information, but why do they have different resolution? No verification procedures were also shown to me. 

Therefore, I needed them to please remove these incorrect and misleading accounts from my credit history to avoid affecting my scores.
Product: Student loan

My name is XXXX XXXX XXXX. As of XX/XX/XXXX, i received an alert from XXXX XXXX reporting a decrease in my credit score from a reported delinquency. This delinquency was reported from Navient Student Loan Servicing Department of Education XX/XX/XXXX. I was not notified at 30,60, or 90 days to rectify this situation.Once i contacted Navient, i was informed that information regarding my loan and payments was being sent to a completely wrong email address.Due to the lack of communication with my loan company, my loan fell delinquent, resulting in a 90 point decrease on my credit report.I have not had this issue ever in the past. My email has been XXXX, since XXXX. Please update this in your records.This has cause me so much frustration. Moving forward i would like to keep the lines of communication open with Navient. Also, my contact # XXXX
Product: Checking or savings account

On XXXX XXXX, 2023 at around XXXX I deposited {$1900.00} into a capital one atm located in XXXX in the town of XXXX Massachusetts. I had planned on depositing {$2500.00}, I had counted it before I went into the store and right in front of the atm. So I split the cash to what looked to be half of it so I dont overstuff the atm all at once. Was planning to put 2 separate stacks into the atm. The stack I pulled aside was mostly {$20.00} bills so it looked like half. And when I counted it to deposit the rest into the atm it came out to {$540.00}. And saw on the screen the atm only counted {$1400.00} from the first stack I deposited which was absolutely wrong. It shouldve been {$1900.00} after I counted what was left over. so I was {$510.00} short. Now I thought the atm mightve mis-counted because I mightve put more bills then the atm can take at once. So I deposited the money even tho it was short and put the rest of the money I planned to deposit into my wallet so I didnt have any more problems and called capital one customer service the morning after because their website said that customer service was already closed that night. I received an email on XX/XX/XXXX at XXXX saying they received my claim. And on XX/XX/XXXX at XXXX they emailed me saying I have a temporary credit of {$510.00} in my account. So then the claim is made and on XX/XX/XXXX at XXXX I get an email saying that my atm claim was denied because our review of atm systems and records show the transaction posted correctly. So I called them the same day I believe on XX/XX/XXXX or XX/XX/XXXX for them to take another look and to send me what information they used to come to that conclusion. And on XX/XX/XXXX all they sent to me to show what they used to make the decision was the atm records which showed that I only deposited {$1400.00}. I dont think they looked at anything further then the reports and my thoughts are if the machine messed up my transaction obviously its gon na show what it told me on its records right? So again on XX/XX/XXXX I email them back asking to reopen the case and send me any new information they used to make there decision. On XX/XX/XXXX at XXXX I received an email from them stating, We finished looking into your dispute ( s ), and your claim has been denied because our review of ATM systems and records show the transaction posted correctly. I received this email with no documents attached to show me what additional resources or information they used. And received the exact same email again on XX/XX/XXXX at XXXX. With no documents attached. I called them on XX/XX/XXXX and spoke to them for almost an hour trying to get an explanation for it and asking why they are only going off the atm records. Hour of conversation went no where all they told me is they can not reopen the case and that theres nothing else they can do about it. And that I was wrong and they were right. I even spoke to a supervisor or a manager and they told me the same thing. No additional documents provided to show if they investigated the case any deeper. Im left hanging {$510.00} shorter then I should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX XXXX, XXXX
Product: Checking or savings account

Two months ago, I cancelled a few online purchases as start of covid 19,  my home nurse said try to have my aide purchase as much necessary items as possible in one trip. My bank ( PNC ) froze acct. Cause of cancelling online non essential purchases. They opened a new account with me there, but I still have to call every month to get money put in new account. My deposit was two days ago, and I have been calling. Now its tomorrow or next day. I want to dump them and get my ss put on a XXXX XXXX card. They are SO RUDE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from MIDLAND CREDIT MANAGEMENT INC : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX , grantee, beneficiary All Rights Reserved
Product: Credit reporting or other personal consumer reports

This morning, I was deeply disappointed to discover unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my credit report like I always do, but this time, there were discrepancies that caught me off guard. I even tried refreshing the page, hoping it was just a glitch, but the unauthorized inquiries remained. I am incredibly frustrated by this issue and urgently request a thorough review of the documents Ive sent so I can finally have peace of mind.