23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mountain Land Collections ( MLC ) continues to try to collect debt from me for expenses I did not incur. Instead it was incurred by my ex-wife who is required to consult with me and notify me of appointments, which she does not do. Furthermore, I have legal decision making authority in the orders because of her XXXX XXXX. I have sent the orders to MLC and XXXX. I can not make a decision if she doesn't consult with me. It is not my debt. 

MLC has a XXXX  consent form in their files that I signed in XXXX. However, this is under the assumption that I incurred it or authorized the treatment since it says " I understand that charges for services provided shall be paid for at the time of each visit, '' which I can not follow if I don't even know about the appointment. 

Furthermore, and more importantly, I have since told XXXX multiple times that they are not authorized to treat my children without my consent, and this supersedes this consent form because of common sense and because the form literally says, " This authorization is in effect until I revoke it in writing, '' which I have done. But XXXX has been treating my children anyway, which is malpractice and worthy of suing, particularly for XXXXXXXX XXXX when hospitals are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. And MLC continues to attempt to collect debt from me from a moot form, ignoring my case that this is not my debt, which is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.
Product: Debt collection

I have been contacted multiple times by tekcollect.com, through phone, email, and mail, in regards to a debt I owe XXXX XXXX. I was actively paying this debt, to XXXX, for fuel delivered at the rate of {$50.00} every two weeks. I guess that wasn't good enough since they turned the remaining balance over to this collection agency. I found out when I went to make a XXXX payment to XXXX and tbey refused it unless I was willing to make the full payment, plus collection fee, of {$710.00}. This despite explaining each phone call that I ran into some financial trouble and the staff reassuring me that as long as I was paying something I would be fine. 

I have requested from TekCollect, with each call, to be provided a way to make these payments, preferably electronically. The first two ladies contacted me within a day of each other, they each said they would email me the details as there is no link on their website where I can make any payments. After a few weeks another lady called and I requested again explaining it would already be paid off if I were given the information I requested. She claimed she was going to send this request to her supervisor but then I heard nothing. 

Friday, XX/XX/year>, I used their website to send them a message again requesting a way to make payments but have heard no reply. 

My current theory is they are going to try to get even more money in litigation at a courthouse I have no ability to make myself present, which will grant their motion by default. 

I can't think of any other reason why TekCollect would choose to ignore me when I'm actively trying to pay off my debt which is affecting my credit. Again, I tried to pay XXXX directly but they refused my payment unless I could make a full payment of {$710.00} I don't know what else I can do.
Product: Credit card or prepaid card

XX/XX/18 - I received a 'replacement ' store credit card from JCPenney . But it was not a replacement card - it was a MasterCard. When I called to ask why I was sent this, they said that I did not respond to an earlier solicitation of the card. 

So since I didn't respond they assumed that I wanted the card? 

All they concluded was that they would make a note that I didn't want the card and that I am to shred it.
Product: Debt collection

There is a Derogatory Account being put on my credit report from XXXX, it was reported XXXX XXXX, 2020. I have never had this account opened. I reported this and it was closed and it re opened and is back and affecting my credit score.
Product: Credit card or prepaid card

On XX/XX/2021 I logged into my Way2Go child support card and noticed a fraudulent transaction out of XXXX California for the amount of {$3.00} used on XX/XX/2021. I immediately called Way2Go customer service and filed a dispute and ordered a replacement card, and notified Way2Go customer service that I have never been to California nor do I know anybody in California nor have I purchased anything in California. So much to my disbelief, I logged into my account and saw that the same company attempted to use my card again on XX/XX/2021, and even more devastating they used my card AGAIN on XX/XX/2021 multiple times also in XXXX California totaling over {$63.00}! Extremely frustrated I called Way2Go over and over demanding answer how a card that I reported weeks earlier keeps on being used over and over in a state on the other side of the country than me! I never got answers but I got a dispute packet and I filed a police report. On XX/XX/2021, Way2Go had the audacity to deny my claim as fraud and refused to refund any of my money. I called the police in XXXX California and the police there found the actual video surveillance of the criminals that were fraudulently using my card information at XXXX! I then contacted Way2Go with this breaking evidence and they refused to reopen my case or refund my money. I will be getting lawyers involved over this!
Product: Vehicle loan or lease

I purchased a new XXXX XXXX in XXXX of XXXX and financed it through Hyundai Motor Finance. On XX/XX/XXXX, I traded in the vehicle to XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX mailed Hyundai a check for the full amount of my loan. According to the tracking information, Hyunda received the check on XX/XX/XXXX, and it was cashed on XX/XX/XXXX. However, the check has not been applied to my account, which is now showing as being 20 days overdue. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX about this issue, and on XX/XX/XXXX they contacted Hyundai and faxed over the cancelled check and the tracking information. As of XX/XX/XXXX, XXXX had still not applied the check to my account, and I had started getting calls from their collections department, so XXXX XXXX  faxed the documentation again on XX/XX/XXXX, and I called Hyundai myself. Hyundai asked me to send them an image of the cancelled check in an email with my account number and ATTN : XXXX in the subject line. I did that on XX/XX/XXXX and received no reply. On XX/XX/XXXX, I emailed again asking for confirmation that my first email was received. I still have not gotten any reply, and my account is still not reflecting the check that Hyundai received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX XXXX and XXXX is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.
Product: Checking or savings account

Several transfers were made out of my bank account and even and over the counter withdrawal wells fargo never got back with me and closed my accounts took the money
Product: Student loan

My student loans are serviced by Mohela. Mohela has admitted to experiencing an administrative error with processing a COVID forbearance refund payment request I made in XX/XX/XXXX for {$24000.00} and informed me recently on XX/XX/XXXX that they would not be issuing me this refund despite them having previously informed me on multiple occasions by Mohela staff that I would receive this as it would be a lot of work on their end to correct their administrative error. I had {$100000.00} in student loans in XX/XX/XXXX and I made a COVID forbearance payment in XXXX of {$24000.00}. On XX/XX/XXXX I requested a refund of this payment which was legally allowed and Mohela stated that they would be requesting this amount to be issued to me via paper check by the US Treasury Department. After this request, Mohela 's records indicated that my loan amount went up from {$100000.00} to {$130000.00} ( the amount of my refund request ) which Mohela stated was their standard practice prior to issuing a refund payment. Under Mohela 's guidance and instruction ( which I have a screenshot of chat messages ) I made a request to consolidate my student loans on XX/XX/XXXX, and then I was later awarded public service loan forgiveness for {$130000.00} ( the amount of my original loan amount plus the amount of my refund request ) in XX/XX/XXXX. I have had multiple encounters with Mohela, with many different supervisors, resolution office, accounting department, and all of them have indicated that they are processing my request but I still have not received a refund payment as requested, and then my recent contact a supervisor indicated that they would not be issuing me a refund. Not only did they not refund the payment which I was legally allowed to request and receive back, but they wrongfully submitted my PSLF and received money for the wrong amount as they included the refund request amount in my original loan amount, thusly overcharging PSLF by {$24000.00}. Please see attached supporting documentation for detailed notes of my contact with Mohela, including a screenshot of the chat summary I had with one of their representatives who confirmed I would be receiving this refund and instructed me to consolidate my loans and then apply for PSLF.
Product: Checking or savings account

Bank of America froze my account in sometime in XX/XX/XXXX because it alleged that certain funds I received in my account did not belong to me. BOA told me over the phone it was investigating my account and never sent me any correspondence. I had received a {$10000.00} cash deposit from a family member to help purchase a car. After months of waiting for the resolution, BOA later closed my account which had an estimated balance between my checking and savings account of about $ XXXX and now said it was due to $ XXXX check paid into my account. I told them that no XXXX check was paid into my account that they should send me a copy of the check. BOA reported me to check systems and their action prevented me from being able to open other accounts with other banks. 
In XX/XX/XXXX, I called back again and demanded to speak to a supervisor and again explained my situation and asking what happened to my balance/refund, BOA now sent me a check of {$3400.00}. I told them this is less than my actual balance and told them to send me my bank statement as at the time the account was closed, BOA sent me blank statements and nothing showing any figures. 
I want the CFPB to please open an investigation into this case, was there a check really paid into my account, and if not help me get my money back from this bank, I want nothing to do with them in future. 
BOA is notorious for closing accounts even when it lacked the proof that a transaction is fraud. They tell you they have a right to close your account for any reason but if they can not prove any wrong doing which their was none in this time, they must issue a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various companies are marketing loans via emails. So I respond to their ad that claims I can check to see what rate I would be able to get based on my record. So I go ahead and inquire, they offer a loan to me which I do not accept. In their marketing pitch, they claim that checking to see what rate I am able to get will not affect my credit report as no inquiry will be involved. Then I get this email from Avant that says just the opposite. This is not fair for an inquiry to show up when they said none would appear. Also, why is my score so low?? I have never missed or been late with a payment in the last ten years. I should have a perfect score really. 

Here is their email to me : Your recent application through Avant has expired Thanks for checking us out. Reapply anytime. 

XXXX, XXXX : An application for a loan submitted on XX/XX/2019 through Avant has now expired, and we can not offer you a loan at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

We welcome you to re-apply and check your rate with us anytime.
Product: Debt collection

General Revenue Corporation XXXX left a message on our home phone voicemail stating that they are a collection agency for student loans for our son. Leaving a different telephone number XXXX to call them back with a identification number. My son called them back and they gave him a collection amount of {$8000.00} he owed on student loans. Which this amount is incorrect. They told him that to pay off right away the amount is {$6800.00} or the other option would be a down payment of {$1000.00} with monthly payments of {$200.00} a month.They also mailed a letter with a demand of payment that was suspicious. The method of payment was for a credit card or debit card only. We did some research on the internet about this company and their webpage was very suspicious. We checked the student aid website to confirm that Subsidized and Unsubsidized Direct Loans are protected by the Cares Act. Private loans like Perkins Loans and FFEL-Federal Family Education Loan are not protected by the Cares Act. Login into your federal student loan account and check the status first. Then he contacted federal student aid XXXX to check on his account to make sure that the same loan servicer that manages his account was still in effect. After that he called his Loan Servicer company which confirmed also that his student loan payments is still deferred under the Cares Act. That deferred status has been extended to XX/XX/2021 by the Cares Act, and his account has never been turned over to collection. Never give these people any personal information. Always check on your own student loans accounts yourself first by logging into your account. Then call federal student aid at XXXX for additional help and questions about your loan status. Do not call these people back. If there is a problem with your loan find out from federal student aid who your loan service company is and how to contact them first. Then follow their instruction. If your loan service company changes you will be notified in writing who the new company is. The new company will contact you in writing with all the contact information and explaining that they are your new loan servicer. Check your credit report, it will contain all your student loan accounts and the name of your loan servicer, address and telephone number.This telephone call is a student loan scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX XXXX account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.
Product: Credit card

I thought I was applying for a balanced transfer but instead it was a cash advanced. In addition they never calculate or show during the process a fee for a transfer ( actual cash advanced ) the amount for the transfer ( cash advanced ) until after the transfer ( actual cash advanced ) It says transfer everywhere, they talk of balance transfer, no mention anywhere Cash Advanced, I was told 3 days later at the bank office it was not a Balanced Transfer but Cash Advanced. different fees, different monthly payments every month. How deceptive. I was told by someone in the Corporate office I could get it changed once I paid it off. Give me a lie then I have to pay for that. Why are they allowed to run a XXXX XXXX like that? 
Solution : They should be made to place cash advanced description on there website in big bold print, capital letters. There is a reason its not there. How sad to deceive people in such way, why are they allowed to even have a banking business.
Product: Credit reporting

I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!
Product: Credit card or prepaid card

I had contacted Wells Fargo Credit Card Services for my XXXX XXXX card on XX/XX/2020 when I went to make a payment on my credit card that I saw my card balance was extremely high and there were four fraudulent charges that I did not authorize. Two back to back charges with XXXX XXXX on XX/XX/2020, for {$450.00} and {$120.00}, respectively. Then there was another charge on XX/XX/2020 for {$100.00} at target, and finally on XX/XX/2020 a charge of {$220.00} at a vendor that says XXXX XXXX. 
I was on the Wells Fargo Payment assistance program for my credit card payments prior to all of this, since I had still been out of work due to COVID and have been very frugal in spending, having not used the card for months during this time period. 
I called them on XX/XX/2020 to make them aware of the fraudulent charges and to let me know what I could do, they said they will help take care of it. Fast forward to XX/XX/2020, I see a balance transfer and Wells Fargo put all of the fraudulent charges back onto my account saying that I am liable for them when I never authorized the charges to begin with.
Product: Credit card

Dear XXXX XXXX Chair of the Board and Chief Executive Officer et all I hope this letter finds you well. I am writing to officially request a new investigator for an objective perspective on my disputes with a dishonest merchant with a reputation for cybercrime and a wake of victims ( See exhibit h ). The current investigator is exercising extreme prejudice against me. Their opinion does not reflect the same values that XXXX XXXX XXXX XXXXXXXX  , National Association ( FDIC XXXX XXXX ) strives to uphold, to keep the global marketplace safe from harmful business practices and to ensure a positive experience for everyone involved. The experience with the current investigator or investigation team is substantively flawed and discourages me from continuing business with Bank of America and has resulted in the submission of complaints to XXXX regulators and public forums regarding the XXXX  business credit card account number ending : XXXX and. XXXX XXXX : XXXX & XXXX. I humbly request these disputes to be settled in my favor. I was naive to believe that XXXX XXXX and by extension Bank of America could XXXX screen each merchant using their payment processing network. Which gave me a false sense of security when transacting with this XXXX XXXX. I have learned to raise disputes immediately and be vigilant of online scams by checking reviews XXXX. ( see exhibit h ) I am thankful for the permanent credit to my acct for XXXX number XXXX. Please apply the same logic to each case.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation. Please delete these fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Money transfer, virtual currency, or money service

I sent a {$15000.00} wire through chase online transfer on XXXX first using the same information as a previously completed wire. The wire was never received by the recipient. When i asked chase for a XXXX form to show that the wire was sent I was given the run around for days and never received an answer. it has been 27 days since the wire was sent and i still have not received any updates at all. Please help me resolve this issue I am in desperate need of this money to be returned