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

My friend send {$300.00} via XXXX to my pnc account. I send a XXXX request to him and he achieved this request. I get the transaction alert email and it says the money will be in my account shortly, but I can't see it in my account after XXXX hours and I can't see this transaction history on my pnc online banking. I'm sure my friend have sent this money so I think pnc don't give the money to me.
Product: Credit card

Citi Bank card, I make the payments and they're returning them.My account is going through my debit card to pay them and return it! After I sent them a cashier 's check for XXXXMy credit report taking a XXXX point decrease and I am paying interest
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reports, Ditech is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of Ditech stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to Ditechs fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted Ditech to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. Ditech assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that Ditech refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by Ditech, I also incurred a late payment fee by Ditech because Ditech refunded one of the duplicate payments without my authorization. I believe Ditech did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that Ditech refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of Ditechs unauthorized refund of one of my payments. 
I DID NOT REQUEST DITECH REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
Product: Credit reporting or other personal consumer reports

I got a notification from my XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX VW Credit Inc. submitted that I owed them XXXX XXXXas a disposition fee and that the account was charged off. 

The company states that this account has been delinquent for years and was turned over to a third part collections agent. I find that to be laughable because when the vehicle was disposed of, nobody ever suggested that I owed anything other than the final lease payment ( which was paid ) and additionally, nobody has ever called me once about this. The company claims they sent letters to an address that I haven't even lived in over XXXX years. 

Moreover, if this account was delinquent for all of these years, why was there is no history of me having an account in collections with any credit reporting agencies ( see attached images ) or no attempt from VW Credit Inc. to contact me about anything that was owed in the last 5 years. If VW Credit thinks I had a delinquent account, why wasn't it reported to the agencies? If the account was delinquent then it should have been accurately reported to the credit agencies earlier which would have allowed me to be notified about it before it was charged off and I would have been given an opportunity to address the situation before being charged off. As a result of negligence i accurate and timely reporting to the credit agencies on the part of VW Credit, my credit score has gone from XXXX to XXXX overnight. This whole thing is a blatant misuse of power to not accurately disclose the status of an account if there was indeed an issue, borderline XXXX and frankly disgusting over a {$380.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN I AM A VICTIM OF ID THEFT, I PREVIOUSLY DISPUTED THIS ACCOUNT OF MY REPORT, THE PREVIOUS AMOUNT WAS WRONG IT WAS {$18000.00} NOW YOU GUYS HAVE UPDATE IT TO BE {$5400.00} INSTEAD OF REMOVING IT, IT WAS CLAIMED TO BE VERIFIED THEREFORE. I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor. 
3. The name of the person who verified the item to you. 
4. The method of communication you used to verify this information
Product: Debt collection

This company Alliance Group and Associates, LLC has contacted me on numerous occasions over the last 2 months, about a debt that is not mine ( it is supposedly my husbands ) They are extremely rude and hang up on me when I am trying to get verification. One particular man XXXX XXXX threatens and terrorizes. I have looked up his phone number and found several other people who he has terrorizes as well. A woman named XXXX refused the let me speak to a manager, and hung up on me. A man I spoke to this morning said he has worked there for 30 of his XXXX years on earth as well as being a XXXX veteran. I have asked for verification several times. They tell me they can not and will not verify until there is a payment made. No payment will be made until I receive verification. They tell me that the laws I have researched extensively are wrong that they do n't have to verify anything. It has already been done. I am now the one who pays all bills as well as the one they need to speak with I verify all information they need but they refuse to do the same, I have asked them to stop calling me since it is not my debt but they refuse and especially XXXX XXXX has told me that he will continue to call and harass me even though I am not the one who owes. Been hung up 4 times and people refuse to allow me to speak to a manager. All very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are reporting inaccurate and unverified information to my consumer report without my written consent. I have also been affected by the recent news of inaccurate reporting from Equifax.
Product: Debt collection

I have requested verification and validation per my right under the FDCPA section 809 a and b. This is your direct dispute. I am demanding proof of this debt. I have never had  XXXX . My account number  XXXX  according to the inaccurate information on my credit  report.. My  address is  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX  This company collection practices are very abusive and deceptive as well. Trying to talk to anyone is a nightmare and they are very rude and hateful. I am aware I can seek actual and statutory damages against you and your client. If I must file a civil lawsuit I will to protect my rights. As I am sure I am not the only consumer whose rights has been violated by this company.
Product: Debt or credit management

There is inaccurate addresses and accounts on my consumer report.
Product: Credit card

Wells Fargo is able to process the fraudulent transactions only from XXXX  but the merchant " XXXX XXXX XXXX '' deducted in {$52.00} on XX/XX/XXXX and once again {$49.00} deducted on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have un authorized inquiries and 1 account i was never late on and 1 account that is not mine I talked to the company XXXX XXXX and they agreed see letter attached that explains what I am disputing
Product: Vehicle loan or lease

Purchased used car at XXXX XXXX XXXX. No buyers guide attached to vehicle stating " as -is ''. No warranty. After 5 days vehicle became inoperative. Contacted dealership. They ignored me. Would not fix, trade.nor refund down payment. Voluntarily returned vehicle to dealership via tow. Contacted finance Co. Told them what happened. ( XXXX purchased XXXX XXXX XXXX vehicle returned to dealership XXXX XX/XX/2022 ). ( Contacted finance Co XXXX XX/XX/2022 ) .. Was told to submit diagnostic scan. Did so. Scan submitted 6 times to 3 depts. Was told 4 wks later that since vehicle was returned, contract would be " unwind ''. 2 days after, finance Co. says case is STILL open/active and is in review.. Being charged for missed payment. Told to call back end of week, dealership " should '' have paid loan. Still waiting. Getting the run around. Credit being damaged. Dealership claims no knowledge of payment letter from finance CoXXXX and refuses to return down payment. Having EXTREME problems with WESTLAKE FINANCE and XXXX XXXX XXXX. I NEED this solved NOW. Don't see why I should pay for a vehicle that requires extensive repairs. Had I known the extent of the condition of the vehicle beforehand, I NEVER would have bought it. Westlake dragging their feet and keep referring me to different departments.
Product: Debt collection

There was an infomercial my wife and I were watching about the XXXX XXXX sweeper. It was advertised with free shipping, 4 different attachments and a steamer also. Near the end it stated if you ordered now they would knock off the 6th payment. After the first monthly payment I saw on statement that there was 5 more. I called the company and the lady argued with me that I had 5 left. After my fifth payment I called again and that lady said one more. I asked to speak to manager and couldn't understand what she was saying and got disconnected or hung up on. Now I have been receiving calls and emails from full circle financial services. They have stated in emails that it's already on my credit report before I even talked to with them. I have responded to several emails nothing responded. Yesterday I had a call from them and the guy kept saying he had all the information about me and wanted me give him my info I refused because he wouldn't say who or what it was about. The phone number didn't show a name but when I called it back they stated the name of the company. So I called the XXXX XXXX company and asked the representative what collection agency they would use. He stated they don't outsource debt. I looked through my emails and found that service company says it represents XXXX. I called the number back and when they answered the said the name. Couple hours later I get two emails from them, today I have received an email plus a call that I didn't answer but used someone else phone and called that number it was full circle financial services. Before I hung up last night on the guy who called he stated that they will continue to harass me until I paid. I can screenshot emails and send later as I need help doing that thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed inaccurate accounts that were listed on my credit report. 
Then on XXXX XXXX I sent an additional letter in regards to the inaccurate accounts. 
Experian is reporting an account, XXXX XXXX XXXX - Account number XXXX and XXXX - Account number XXXX. 

I don't or never had an account with this company. 

XXXX is reporting XXXX - Account number XXXX Experian and XXXX refused to remove the disputed accounts, conduct a proper investigation nor provide me with their method of verification. 

This is a violation of FCRA Section 611-'a'-'2 '
Product: Debt collection

I received communication from Resurgent Capital Management in regards to an alleged debt from original creditor, XXXX XXXX XXXX  in the amount of {$650.00}. Upon receiving the letter, I called Resurgent Customer Service and spoke with XXXX on XXXX at XXXX XXXX XXXX. I advised XXXX that I was formally initiating a debt validation request. XXXX advised me that she could start the process but I advised her that I wanted to do so via mail or email for tracking purposes. Reluctantly, XXXX provided an email address for the debt validation request. Per her instructions, I emailed XXXX on XXXX requesting debt validation. After a little over a week, I received a letter dated XXXX from Resurgent with an attachment entitled " Account Summary Report ''. This summary is attached and is a simple Word document. After reviewing the document and realizing it didn't meet the requirements of proper debt validation, I sent Resurgent a 2nd email on XXXX, attached, requesting debt validation again with details of what a proper debt validation is under the law. On XXXX, I received an email from Resurgent, attached, stating that due to the nature of my inquiry, my letter was forwarded to the appropriate department for processing and future communications regarding the inquiry will be sent via US mail to the address they have on file. This email came from XXXX XXXX. Since XXXX, I have not heard from Resurgent as promised. Three days later on XXXX, I received an alert from from XXXX, attached, that Resurgent added the alleged debt as a collection on my credit report.
Product: Vehicle loan or lease

I need to share my frustrating experience with our XXXX Yukon from GM. After 2 years of dealing with issues in our XXXX Yukon, GM finally replaced it with a XXXX model. Unfortunately, the replacement only lasted 123 miles before breaking down, throwing multiple error codes and triggering the dreaded check engine light. It cut off in a very harsh weather, where we had to shelter in a nearby building waiting for help. 

While GM agreed to buy back the defective XXXX Yukon, the repurchasing process has stretched, to a grueling period, since XX/XX/XXXX and we are still in the waiting game. 

To add insult to injury, GM expects us to foot the bill for a rental car since we are currently without a vehicle. They promise reimbursement, but the reality is, we're left in the lurch, paying insurance for a car parked in one of their dealership lots, all while they continue to receive their scheduled payments. 

It's disheartening to see a company not only struggle with producing reliable vehicles but also fail to streamline their processes and retain loyal customers. 

I share this story as a complaint, and as a cautionary tale. I wouldn't want anyone else to endure the frustration and inconvenience we've faced. We want GM takes note and works towards improving their vehicles quality and customer experience. 

Thank you,
Product: Debt collection

I had an account from Kay Jewlers a few years back where i owed about XXXX from the credit card. I have moved quite a few times and they seemed to have an old address. I understood this delinquent account was pushed to collections and I intended to pay however just either couldn't afford or forgotten about debt. Well within the last year i have been trying to track down this account and with no luck even using credit karma for what business could own debt now, i fell short. Well today on date XXXX i first received a private call from someone saying their from XXXX ... XXXX XXXX   XXXX. Saying that have a document for me and have been unable to contact me. I tried to ask questions and came ip short either decent answers. I was told to contact the number XXXX. Later on i called and they claim to be a law firm suing me om behalf of this debt. But if i paid now over phone we can avoid all that they told me. I went into prying for proof of account and more details of company. They said they can only send me a statement from Kay Jewlers. To which they did. An old bill but nothing with their company title. They claimed to be called XXXX XXXX XXXX based in CA. I tried XXXX them or the number i called them on and came up short. When i tried to reply to their email they sent me the old bill with it keeps bouncing back. They said we can settle debt if oaid by tomorrow over phone XXXX only to avoid lawsuit. I asked names of each representative i spoke. With but I'm not sure if this is even a real company. I also asked them why are they threatening me with lawsuit or calling while i am located in MA because theres been a law place eith covid19 pandemic to stop collecting calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is hitting me with 2 hard inquires for XX/XX/2018 and XX/XX/2018. I should only be hit with 1 inquire as both were done on XX/XX/2018. The confusion is it took them 2 days to process the other part. I have spoke to them on the phone back on XX/XX/2018. There customer representative said they would remove one of these hard pulls. I believe it is the one on XX/XX/XXXX. Either way they 100 % guaranteed one will be removed since both were placed on same day of XX/XX/2018. 

Since the company agreed to remove one of the inquiry 's, I just hope they can kindly stick to there word and fix up this confusion. I have been a loyal customer and just want what was promised to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted address correction information to both XXXX  and Equifax. They put the current address on my report but refused to delete the incorrect address information. They instead has it listed as a previous address, one of which on the XXXX report, is a incorrect address. I have sent several letters and they have been ignored. Please help me get this issue corrected.
Product: Vehicle loan or lease

I have been struggling trying to pay my car notes on time doing the last XXXX months do to me having major XXXX on my neck which caused me of being off work. I have made the monthly payment even though it wasnt on the day it was supposed to be on but they got they money that month I only have to more payment left on my Vehicle which is XXXX I have spoken with someone about my situation at Exter finance company They told me that I owe them XXXX plus which Im not understanding the young lady told me that I have to come up with that amount next month which they are forcing me to return back to work which the doctor havent released me yet. Im already stressing about my other bills that need to be paid. Im not behind.
Product: Mortgage

Account Number XXXX Knowledgeable employee of Parkside Lending : XXXX XXXX Loan Servicing Specialist Parkside Lending, LLC- NMLS # XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX http : //www.parksidelending.com Phone : ( XXXX ) XXXX eFax : XXXX Email : XXXX http : //www.parksidelending.com Team Email : XXXX Corporate office address : XXXX XXXX XXXX XXXX, NJ XXXX Initiation of inclusion of property taxes in mortgage loan XX/XX/XXXX. All property taxes paid directly to Treasurer / Tax Collector summary showing XXXX owed on my property taxes as of the date XX/XX/XXXX This is immediately preceding Parkside Lending withholding property taxes in an escrow account. I believe Parkside to be incorrect on 2 areas : 1 ) Parkside never properly began my beginning balance with a XXXX  balance.

2 ) Parkside is attempting to collect {$18000.00}. for an escrow account that only totals XXXX. 
3 ) Parkside is illegally forcing me into foreclosure by not accepting my XXXX payment for the last two months.

4 ) Parkside is illegally charging late fees on amounts I have not been late on payments.

Loan payment schedule determined by Parkside Lending as follows : Original mortgage payment, not including property taxes {$2300.00}. 

In XXXX, I requested an escrow account be set up on my behalf. At this time, Parkside Lending increased my payment to include property taxes to {$3100.00}. This allows {$830.00} to accumulate each month and be placed into an escrow account for Parkside Lending to pay my property taxes two times per year. This monthly amount totals {$10000.00} annually and my annual tax bill is {$10000.00}. 

I paid ( on time every month since inception of escrow account {$3100.00}. In XX/XX/XXXX, I received an increased mortgage payment ( includes mortgage, property taxes and escrow shortage account ) for {$3800.00}. I immediately contacted Parkside Lending and have received the run around for 4 months to no avail.

How can a mortgage Lender be allowed to increase a homeowner payment from {$2300.00} to XXXX = an increase of {$1500.00} per month? When this does not total the property taxes?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX  Unauthorized inquiries 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 
these are the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX us department of eduXXXX us department of eduXXXX us department of eduXXXXXXXX us department of edu/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX dollars got taken from my account when a person impersonating wells fargo called me and told me that there were steps I needed to take to secure my account funds. The caller had information associated with the account and used a number that was a single digit off wells fargo 's account services team