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

I was told a check which was a fake check was deposited in my account and had to receive a prepaid card and give them the information. This lead my banking account to be overdrawn and was out of my money.i have a I guess it's a fake contract from this scammer as well as a copy of the fake check from my bank anlong with telephone numbers that at last called are still active. Please contact me at XXXX and I can provide any helpful information that I have to stop this from happening agin or to anyone else. Thank you.
Product: Debt collection

Amsher collection agency is reporting a debt to my account that is not mine. Furthermore I have not received any letters in the mail about such debt with violates my right to dispute.
Product: Credit reporting or other personal consumer reports

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

I originally applied for a loan for XXXX $ and theyre charging me a XXXX  % annual interest rate. They have me making XXXX $ payments all the way into the middle of XXXX. Ive paid off the amount I was loaned. The name of the company is also different from the loan company that gave me the money.
Product: Credit reporting or other personal consumer reports

XXXX have my account up to date like it should pay a time, Transunion an experian report 30 late and my account in my credit report. I think it is so unfair under the fair credit Act .i will up load the account images.
Product: Bank account or service

Hello, I opened an account with Discover Bank and a bonus offer code of XXXX. Through this bonus if Discover Bank received an ACH deposit to my account for over XXXX dollars per month I would be eligible for a XXXX dollar bonus. I met these requirements as of XXXX 2015. Their fine print states that the bonus will be deposited within 30 days of fulfilling the deposit requirement. I opened my account XXXX XXXX 2015. 

I have spoken to Discover Bank on two different occasions now and they have not been clear about depositing the bonus owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I received a credit disclosure email from XXXX XXXX XXXX. I believe that this company has been illegally using my information since I first signed up for a loan with them in XXXX. I have a loan from XXXX with them that I didnt not authorize which was sold to a debt collector. Then today ( XX/XX/XXXX ) at XXXX I received a credit disclosure email which states that the company ran my credit again without my permission on XX/XX/XXXX. I did not authorize this and someone within the company is illegally using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union True Risk. I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about True Risk. I contacted TransUnion True Risk. They referred me to TransUnion representatives who told me again they do not collect driving information. https : //www.transunion.com/product/truerisk Trans Union will not provide me with the information their True Risk division has collected on me. There is no way to contact Trans Unions True Risk Division.
Product: Credit reporting or other personal consumer reports

I was getting ready to move out of my families house to move into my very first apartment and while I was getting things in order last month I decided to check my credit for the first time in a really long time and I noticed that I had a debt collection from XXXX XXXX dating all the way back to XX/XX/ XXXX XXXX  when I don't recall ever having any services or phone lines from XXXX. The collection amount is for {$4300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a XXXX, or XXXX score in the FCRA, FDCPA or TILA. I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to XXXX  regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. XXXX is in violation of this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 3 disputes with collection agency and have been in contact with creditor several times. I do not owe money on the old account. My contract expired, i did not renew and company owes me my security deposit. Credit bureau refuses to remove the inaccuracy
Product: Mortgage

I received a real estate tax bill from my county taxing authority. I called my lender/servicer PennyMac and emailed them a copy of the delinquent tax bill. For 38 days they have not been responsive. I've provided a fresh tax certification to which they still refuse to pay my taxes that are due. I'm facing sherrif 's sale because of PennyMac 's dereliction of servicing duties. two of the CSRs at PennyMac have laughed at me. Time is of the essence. I need someone to stand on their necks a bit.. 

Thank you, XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXXI went with my sister to get a car for her business.She decided to go to XXXX around 4 or 5 pm. I spent about an hour waiting in the car for her to get done because she needed someone to drive the vehicle back. When she came outside she let me know that they had advised her to get a cosigner. I let her know that I only make about 8k a year so I wasnt sure if i would help but i would try. When we sat down with the car salesman he presented me with a contract. I wasnt given a chance to read it im not sure if it was because they were about to close, but they had all of the signature places highlighted and directed me to sign and initial the contract. I did not receive a copy of the contract at that time. I also never received in documentation of the payments required, the principal amount or even given access virtually to this information. 
It wasnt until there were multiple late payments listed in early XX/XX/XXXX that I noticed there was an issue of non-payment. I reached out to my sister but she was unresponsive. I tried to reach out to Santander multiple times, On our first call, they asked me for my address and phone number, Which proves they never had my information in the first place. After several attempts to resolve the issue with Santander by phone and by mail I was forced to file a complaint with the XXXX. Through the XXXX I was supplied the contract which I will include for documentation purposes. You can see that in XX/XX/XXXXthe XXXX XXXX XXXX XXXX address that was mentioned was not my address. I lived with my dad at XXXX XXXX XXXX which he will verify upon request. I will include picture of ID for further verification. I did not receive mail from either XXXX or Santander to either of these addresses. I also noticed that the car had been transferred out of state without notice to me after reviewing the contract that they sent to me through the XXXX. They never attempted to repossess the car per my knowledge and now the car has conveniently disappeared. I told them that I didnt know where the car was but I told them to repo it and per their own documentation they did have knowledge of its location that wasnt expressed to me until my complaint with the XXXX. They obviously didnt do their due diligence in trying to get the vehicle or they did and never reported it. 

After the complaint they did not send me any more information or try to solicit payment. The account was then put into charge off status, again another aggressive move without notice and it wasnt until after then that I started receiving calls. Yet even in its current status they continue to increase the balance of the debt and add additional late payments. Also there are discrepancies between the bureaus reporting of the account. I believe that XXXX is still reporting late payments and it shows a charge off date in XX/XX/XXXX. While transunion just shows last payment which was in XX/XX/XXXX and an unknown charge off date. They have increased the debt amount since then, which I had to dispute separately. And if you look at the document with the contract you can see the inconsistencies.
Product: Debt collection

On XX/XX/XXXX I was just notified by my credit reporting company that a debt associated with TrueAccorrd a collection agency hired by XXXX was added to my credit profile with no prior notice. I then contacted both XXXX and TrueAccord and TrueAccord informed me that the debt was from XXXX. TrueAccord said I should contact XXXX which I did but XXXX is unable to confirm the debt. I am in the process of closing on a loan and this is currently affecting me.
Product: Debt collection

On XX/XX/XXXX2019 a letter was marked to be sent to my address. This was for Performant Recovery Inc. for Account XXXX Fiscal service number XXXX. 

They are attempting to collect {$590.00} for a debt held by XXXX XXXX of {$440.00} per my XXXX  credit report. 

I called on XX/XX/2019 about the change in price and that I would pay the amount owed of {$440.00}. They stated that since they are a collection agency they can charge recovery fees, and the account will accrue interest. 

I escalated to a manager who said the same info. When I informed them of the right a consumer has under the https : //www.consumer.ftc.govXXXX What are debt collectors not allowed to do? 
They cant engage in unfair practices. For example, they cant : try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or your state law allows it. 

This is in direct violation of that. That being said performant then stated I was already given a break on the price of around {$200.00} but that was a payment that was made from my tax collection as I had to correct them on.
Product: Money transfer, virtual currency, or money service

We received a shady late night email from Chase Payment Tech merchant services on XX/XX/year> that they were going to " close our account '' on XX/XX/year>, ie, the next day, today. The problem is not only that they gave us less than 1 days notice, but also that they have been holding more than {$15000.00} in our XXXX XXXX XXXX retainer funds for the past 2 weeks, when they are supposed to release our funds within 1-2 business days. I called these XXXX XXXXoday and the XXXX on the phone boldly told me that they are " going to hold our money for 6 months. '' Well, I certainly lost my patience at that point and yelled at her in an understandable excited utterance. Please investigate and advise on these modern day highway robber thieves stealing money from small business like ours. We desperately need our money to pay bills, rent, child support, etc., and we should not have to explain ourselves like this.
Product: Vehicle loan or lease

I have applied for multiple loans from Lightstream ( AKA Truist ) throughout the years, with every application resulting in a decline. I have top tier credit, high income, seasoned employment history, below average DTI and plenty of assets. They always give the same denial reason even though Ive had all types of income. I believe this is now discrimination and violates regulation B of the ECOA. If you look at the reviews online, this seems to be happening to more and more people post covid. There is a good chance their XXXX are not complying with ECOA requirements. Me along with thousands of others now have to suffer from hard credit inquiries from these mediocre lenders. I will be filing the same complaint with my state attorney generals office and the FDIC. Thank you for your time.
Product: Student loan

Can you explain to me the issues surrounding current loans thru Navient and also the issues surrounding Everest loans from Corinthian? Would the loan forgiveness have an effect on my loan amounts with Navient as well? Im confused I would just like some clarity. Thank you.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/scrub> 2024, I initiated a transaction via Sendwave to transfer {$2000.00} from my XXXX XXXX XXXX account to my XXXX XXXX  account in XXXX. I am both the sender and the receiver of this transaction. Although the amount was deducted from my XXXX XXXX XXXX checking account, the corresponding funds were not deposited into my XXXX XXXX account in XXXX. 

Upon contacting XXXX XXXX  in XXXX, they confirmed that the transferred funds were not received. Despite the transaction showing as complete and delivered on Sendwave 's platform, XXXX XXXX  provided evidence to the contrary ( see attached ).

I reached out to Sendwave for assistance and requested the anticipated crediting of my XXXX XXXX  XXXX XXXX account. Unfortunately, they did not respond to multiple emails and chat conversations, despite assurances that the issue would be resolved. To date, Sendwave has not resolved the matter and has ceased responding to my emails.

As both the sender and receiver of this transaction, I find that Sendwave has failed to refund the undelivered {$2000.00} debited from my XXXX XXXX XXXX checking account. They have also misrepresented information and, despite being aware that they did not deliver the funds as requested into my XXXX XXXX  account in XXXX, Sendwave continues to show the transaction as successfully delivered on their app. Furthermore, they disputed the chargeback claim I raised with my bank ( XXXX  XXXX XXXX ), asserting that the transaction was valid. While I agree the transaction was valid since I initiated it, Sendwave fraudulently refused to credit the recipient account ( myself ) with the required funds in XXXX XXXX. 

After many weeks and following my discussions with Sendwave via phone calls and emails, they agreed to manually refund the money if I withdrew the dispute claim I had raised with XXXX XXXX XXXX, which had led to a chargeback on their account. Consequently, I instructed XXXX XXXX XXXX  to cancel my dispute and reverse the chargeback, which they did. The {$2000.00} was returned to Sendwave ( see attached ). I did this in the hope that Sendwave would fulfill their promise of manually refunding me.

Unfortunately, Sendwave has failed to honor their commitment to refund the {$2000.00} to my XXXX XXXX XXXX debit card account. I deeply regret using the Sendwave platform to send money overseas. They operate like fraudulent actors. When transactions are not delivered, they do not respond to emails, and their agents provide generic responses via chat. They should be avoided at all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit via TransUnion and XXXX. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX  XXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX Balanced {$990.00} XXXX XXXXXXXX XXXX Balanced {$830.00} XXXX XXXX XXXX XXXX XXXX Balanced {$2000.00} XXXX XXXX Balanced {$1200.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$820.00} XXXX XXXX XXXX XXXX Balanced {$960.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX  XXXX Balanced {$630.00} XXXX XXXX XXXX Balanced {$890.00} XXXX XXXX XXXX Balanced {$440.00} XXXX XXXX XXXXXXXX Balanced {$2400.00} XXXX  XXXX Balanced {$3200.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$870.00} XXXX XXXX Balanced {$350.00} XXXX XXXX XXXXXXXX Balanced {$5700.00} XXXX XXXX XXXX XXXX Balanced {$1100.00} XXXX XXXX XXXX XXXX Balanced {$1600.00} XXXX XXXX XXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$3400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.
Product: Student loan

EdFinancial is delaying refunds for payments made during the CARES Act suspension. I was told refund would take 150+ business days or 7+ months to process. Representative told me that I may not qualify for forgiveness as the refund would not be processed timely and it would negatively impact credit score. EdFinancial is providing misleading information and tried to discourage me from requesting refund for payments.
Product: Debt collection

CKS Prime Investments , LLC at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX To settle a charge off of XXXX XXXX ( Current servicer : resurgent capital services LP On XX/XX/XXXX I spoke with an agent requested a payoff settlement amount they approve me for two {$250.00} Took my money over the phone And said it was settled and that within 30 to 40 days I would see a difference on my credit report. 

( ( ( XXXX smart connect Acct Number # XXXX XXXX XXXX XXXX   {$850.00} They agreed to take a settlement amount of {$250.00} In cash Transaction XXXX Settled as agreed!!!! 
30-45 days updated on Credit report XXXX XX/XX/18 PAID Confirmation # XXXX PAID!!!! 
RCAP / RCS processed ) ) ) Then a letter dated XX/XX/XXXX was received at my house on XX/XX/XXXX REF : XXXX stating I still owe {$600.00} whereby The Agent LIED To deceive me!!!! Not OK
Product: Debt collection

I was unaware that XXXX XXXXXXXX canceled my payment plan. 

I started to get numerous and repetitive phone calls from Williams & Fudge on my personal phone, which I did not respond to as I am in a finaicially tough time and not able to payback the debt currently. 

Williams and Fudge took it upon themselves to call my work phone, talk to my coworkers and continue to call me at work, even after I told them multiple times to NOT contact me at work. 

XXXX, with Williams and Fudge is NONSTOP! He calls my work phone every single day.
Product: Credit reporting or other personal consumer reports

REMOVE AND DELETE THESE INQUIRIES FROM MY CREDIT REPORT BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT
Product: Credit reporting or other personal consumer reports

SYNCB/PAYPAL credit charged the debt off for {$740.00} but has yet to provide me the 1099c form.

Under the Internal Revenue Code ( IRC ) Section 6050P, lenders and creditors are legally obligated to issue Form 1099-C when a debt is canceled or written off, ensuring transparency in income reporting and compliance with tax laws.
Product: Debt collection

I received a Notice of Wage Garnishment from XXXX through my employer. It stated that they received a Writ of Garnishment order on XX/XX/2022 which required my employer to begin to deduct wages on my payday. This Writ of Garnishment was filed at the Magistrate Court of XXXX County for 25 % of every paycheck. 
I was very confused because I have not received any notice other than what was sent from XXXX whom had already started garnishment on my next paycheck which I receive tomorrow XX/XX/2022. 
I was able to look up the Case filed with XXXX County and it was filed by XXXX XXXX as assignee of FIA Card Services, XXXX. I have never received a summons or phone call nor any other form of contact from either company, despite the records showing I was summoned XX/XX/2022.