23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This company stole {$400.00} from me. 

My account was closed with a {$400.00} balance. They gave a refund check for this amount. 
I accidentally tried to submit it into the wrong bank account ( brothers ). It was rejected. 
I then submitted to my bank account, with my name. It got rejected. When I called, they told me I needed to get it reissued because of the XXXX incorrect deposit. 

I have contacted Serve to ask them to reissue it. However, they refused to reissue it, saying the check was cashed. This is false, i have the check and it was never cashed. I made XXXX attempted deposits that both did not clear. Now they have my money and refuse to reissue a new check, like my bank told me to get done. 

Each time I call they continue to do nothing. It has been a month and I do not have my money back.
Product: Student loan

I misunderstood COVID deferrals and assumed my loan payments were being deferred but I guess my loans are not federal. Once I realized I caught the loan up. I asked if they could waive the late fees and they refused. Been paying the darn loan over 15 years and that's how they treat people?
Product: Credit card

An unsubstantiated charge of {$3400.00} posted to my Wells Fargo XXXX  account on XXXX XX/XX/XXXX. After I disputed this charge, {$2400.00} was credited on XXXX XX/XX/XXXX leaving a remaining unsubstantiated charge of {$1000.00}. Another unsubstantiated charge of {$2300.00} posted to my Wells Fargo XXXX account on XXXX XX/XX/XXXX. The total of both unsubstantiated charges is {$3300.00}. The unsubstantiated charges are in error because the only order that I placed was order number XXXX and that order totaled {$5900.00} ( {$6200.00} after taxes ). The contents of this order with taxes included are as follows : XXXX ) {$160.00} for XXXX XXXX XXXX  XXXX XXXX, Sales Order XXXX, XXXX XXXX ) {$5900.00} for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, Sales Order XXXX, XXXX XXXX ) {$160.00} for XXXX XXXXXXXX XXXX XXXX XXXX Sales Order XXXX, XXXX The balance of {$6200.00} for all items that I ordered has been paid in full as of XXXX XX/XX/XXXX. The below payments were made, and my Wells Fargo XXXX account needs to be corrected and closed promptly. 
- {$130.00} paid on XXXX XX/XX/XXXX - {$130.00} paid on XXXX XX/XX/XXXX - {$200.00} paid on XXXX XX/XX/XXXX - {$200.00} paid on XXXX XX/XX/XXXX - {$130.00} paid on XXXX XX/XX/XXXX - {$130.00} paid on XXXX XX/XX/XXXX - {$160.00} paid on XXXX XX/XX/XXXX - {$5100.00} paid on XXXX XX/XX/XXXX In accordance with federal law, I will not make any payments for items that I did not order. I have provided proof of the order I placed in the previous complaint, and I have paid for the items ordered in full. XXXX has not provided any evidence of an order that I placed to account for the unauthorized charges of {$3300.00} added to my account. The Wells FargoXXXX demand of payment for items that I did not order is unlawful.
Product: Mortgage

This is an ongoing issue with this mortgage company ( Rushmore Servicing ) consistently trying to manipulate documents, to steal from customers. This is my fifth complaint against this company and I'm submitting additional documents to prove they are stealing! 

Please take a closer look at their inconsistent response to my inquiry about the additional charges on my mortgage account. On my statement it clearly reads " If payment is not received before or after the XXXX of the month, then a late fee of XXXX will be added '', one can clearly see that they have been adding XXXX additional every month, and when I ask for an explanation, I get conflicting lies from every agent I speak with about this issue. 
As I explained in my earlier complaint, my payment should be ( XXXX ) whenever I'm late I always add the late fee ( XXXX ), and it should be with a late fee ( XXXX ), but I pay ( XXXX ) which is wrong, and if I don't pay that amount when I'm late, they won't apply the payment to my account. So I have to pay whatever they put on my statement to bring my account current. which it should be ( XXXX ). In addition to adding an extra fee, I noticed that they never apply the amount that I pay every month, instead, they apply what I should be paying per month ( XXXX ). This is manipulation on their before to defraud. I also have documents attached to prove that as well. When I question why they are posting the wrong amount of payment on my account, I get no answer, this is why I keep contacting your office to get rectification in this matter, hoping that someone can stop them from miss managing customers ' accounts, with the intent to steal.

After reviewing my documents, if you can't help me, can you refer me to an agency where I can get some
Product: Checking or savings account

XX/XX/2021 around XXXX, I entered WellsFargo with a bag full of roughly XXXX in cash and deposited it. 3 weeks later I check my account and the money was never deposited according to my bank records. I submit a claim with Wells Fargo investigation team and was sent a letter in the mail 5 days later saying there was no evidence of the deposit and the case is closed. My mother who lives in XXXX went to the bank and talk with the branch Manager XXXX XXXX who explained to my mother that he has no authority to check the security cameras and he will inform his higher ups and they will resolved it. A week later my mother received the same letter as before with no explanation of their reasoning and that the case is closed.
Product: Credit reporting or other personal consumer reports

I have been dealing with hackers since XXXX. I have had problem after problem with identity thrift. First XXXXXXXX  that I just now found out about and XXXX in XXXX. After having to start over again. I pulled my credit and noticed XXXX collections first XXXX were medical that I wasnt worried about because XXXX XXXX veteran. With free healthcare the next was kickoff credit card with XXXX limit they said I owed XXXX on card. It didnt make any sense to top it off I was never notified of either of these collections prior to at anytime. That alone is grounds. Multiple violations of fair credit act. Kick off ignored several requests to see original contract along with changes totaling XXXX. I asked for valedation.that has been ignored. XXXX has not done there job doing a complete investigation my request have went through XXXX obviously know my request have been ignored but still will add verified. How. On top of all this XXXX data breech has also affected me financially and countless hours.
Product: Checking or savings account

Said my bank made a change to my account in verification. I need a loan and to go through the auto verification and now it is postponed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX sugarland Texas XXXX. 

subject : Second Notice Demand for Proof of Investigation & Correction of Violations Under FCRA & FACTA I am This letter serves as a formal dispute and demand for investigation regarding the reporting of the following account on my credit file : Creditor Name : XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Account charged off, {$1000.00} written off Balance : {$0.00} ( Updated XX/XX/XXXX ) Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Dispute of Inaccurate Reporting This account was charged off with a reported balance of {$0.00} and a written-off amount of {$1000.00}. However, there are multiple reporting violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair and Accurate Credit Transactions Act ( FACTA ) that require immediate correction : Inconsistent & Erroneous Updates The account has a {$0.00} balance since it was charged off, yet you continue to report late payments and past-due status updates beyond the charge-off date. This is a direct violation of : 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting : Credit bureaus must ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately : A creditor can not continue updating an account as delinquent after a charge-off with a XXXX  balance. 
Charge-Off Accounts Can not Be Reported as Currently Past Due A charge-off is a one-time event, not an ongoing late payment. The continued reporting of past-due amounts and late payments post-charge-off is illegal and misleading. This violates : FTC Advisory Opinion ( Connolly, 1998 ) : Once an account is charged off and reported as such, it should not continue reporting as past due.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputed Information : The creditor must correct or delete incorrect reporting upon dispute.

Lack of Validation & Proof of Investigation Under 15 U.S.C. 1681i ( a ) ( 2 ), you are required to conduct a reasonable investigation and provide documentation verifying the accuracy of this debt, including : A copy of my original contract or signed agreement with XXXX 
Proof that this account belongs to me and was not created fraudulently, as I am a victim of a data breach where my information was compromised and sold. 
Evidence of the exact methodology used to verify the legitimacy of this debt and all supporting documents reviewed. 
Required Action If you can not provide the above-requested proof within 30 days, you must : Immediately delete this account from my credit file in compliance with federal law. 
Cease all further inaccurate reporting to avoid further violations of the FCRA and FACTA I expect your prompt response. Please send all requested documentation to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX has contacted me on behalf of Klarna, on behalf of XXXX XXXX XXXX. They assert I have a credit agreement with one of these companies. I have no knowledge of a credit agreement. I have not received from any of the XXXX companies, a notice for validation of debts as required by 1006.30. I would like to request : 1. A validation of debt notice ; 2. A copy of the credit agreement from the original creditor.
Product: Money transfer, virtual currency, or money service

Background - I wanted to report about a fraud by " XXXX XXXX '', Director of XXXX XXXX XXXX ; who has defrauded a number of individuals across the world. My family is also a victim of the Wire Fraud and have lost a significantamount of money approx. {$300000.00}, our hard earned savings of life. XXXX XXXX used to operateprimarily from XXXX and had an LLC registered in the US - " XXXX XXXX XXXX '' and in XXXX XXXX XXXX as " XXXX XXXX XXXX XXXX. The XXXX entity is registered under the first degree relative of XXXX XXXX for tax avoidance purposes. XXXX XXXX and the XXXX LLC have defrauded a number of innocent people across countries primarily in XXXX, XXXX, XXXX and the XXXX. The total fraud runs in XXXXXXXX XXXX XXXXof dollars. He has number of civil and criminal cases filed against him in XXXX and US and is absconding from XXXX since then Documentation and Proofs : XXXX. Receiptsof transfer of money ( online bank transfer ) I have raised several complaints for the wire recall by BOA but no response has been received.
Product: Debt collection

XX/XX/2018 XX/XX/2018 XX/XX/2018 {$990.00} each I believe my info was sold to Ars which I believe is a violation of my Hippa rights. I would like for those accounts be closed and removed off my credit file. Ive filed a report to XXXX, XXXX  and XXXX and nothing was resolved
Product: Credit reporting or other personal consumer reports

About decade ago did freeze of my credit. Experian provided pin # to unfreeze when want to briefly remove freeze for specific credit check. Experian says pin no longer valid since they changed their system and need to call them. When call phone number provided XXXX there are no prompts to deal with issue and their system will not allow access to a human. This all occurred XX/XX/year>. 
I also have account with Experian paid for by 3d party because of security breach. Even accessing that account does not provide link to deal with the issue.
Product: Debt collection

PROFESSIONAL ADJMNT CORP CLAIM I OWED THEM MONEY FOR MEDICAL BILLS FOR YEARS I 'VE REQU ESTED VALIDATION FOR YEARS NONE WAS PROVIDED FOR YEARS THIS ITEMS HAS AFFECTED MY CREDIT, FOR YEARS MY VALIDATION REQUEST WAS IGNORED
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED ( Original Creditor : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Huntington Bank credit card are as follows and I did mail a copy of everything to your facility. 

1. Last statement I received was in mid XXXX. I explained to them what the issue was and was informed by their representative on numerous days til mid XXXX that they would work with me and I had to make a payment on XXXX in mid XXXX which I did and sent in. 

2. Never received a bill in XXXX. However I did make a payment of XXXX on XX/XX/22. 

3. Now they are claiming that I am deliquant when they never sent me a billing statement and are not working with me to correct this situation.
Product: Checking or savings account

On XXXX XXXX I made 2 sales of XXXX  using cash app. My account was in good standing when this happened and I had approx {$240.00} in the account. The next day I went into my account and saw {$200.00} was missing and I only had like {$42.00} left. I immediately wrote cash app and they said that I made a dispute using a debit card ending in 4 numbers that doesnt match any of my debit or credit cards. They garnished {$200.00} of my funds and they could only say that I tried to add {$200.00} from my bank account and then disputed it. Okay so if I add XXXX and then take it away Im left with XXXX right? So why is it that I had over XXXX on Sunday and then Monday night its down to XXXX? Where did the XXXX go because there was no withdrawal or use of the XXXX I added while my account was in good standing. I should still have $ XXXXand the other XXXX that never added should have made the account {$440.00} and then a dispute for XXXX makes it again {$240.00}. They have terrible chat support who was incapable of giving me even the slightest bit of concern as to suspected fraudulent activity. They keep telling me to contact my bank and that would be absolutely useless since my bank account didnt initiate any sort of disputes. So I have no records of this anywhere in my account to even find out what is wrong. Where is my money and where did you guys learn mathematics?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experiam XXXX and XXXX have allowed my credit to be pulled 106 times within two months
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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
Product: Mortgage

In XX/XX/XXXX I starting working with the XXXX XXXX XXXX for assistance with my mortgager. For several months my mortgage servicer XXXX gave me the run around. After months of finally getting them to work with me to get a loan modification for me to be approved for the funding from the XXXX XXXX they agreed after months of trying. They gave me a trial loan modification plan for 3 months with me paying {$3100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of the payments in XX/XX/XXXX the XXXX XXXX  paid my mortgage company {$40000.00} on my behalf. With this being paid Selene Finance agreed to provide me a loan modification. It is now XX/XX/XXXX to date I do not have my final loan modification nor will any of XXXX represetatives accept my payments, I have been blocked from payiny my payments on line. I place calls every XXXX weeks to XXXX only to be told that they are not finihsed with my documents and I should make the trial payments. How can I make even the stated or trial payments if no one will accept my payments. Also I have XXXX different payment amounts. Before the trial loan modiciation my payments was {$2700.00}, the trial payments was {$3100.00} and now the mortgage statements on line the payments change in XXXX to {$2900.00} without any notice to me. Also they still have me owning over {$60000.00} after receiving the {$40000.00} from the XXXX XXXX  that is still unapplied. I am a victum of predatory lending. I have contacted them on several occasions and they are still not honoring their part. Also I have asked who actually hold my mortgage the response is that it is a private lender and they can not give me the person and or company. They are continuning to wait until the interest rates escalate before granting me the final loan modification.
Product: Student loan

Complaint against Mohela Student Loan Servicer. I requested my loans be changed from an Income Driven Repayment plan to the SAVE plan in order to prevent additional unpaid accrued interest adding to my principal balance. The initial request to change repayment plants was made in XXXX of XXXX, which was denied due to incomplete proof of income. I submitted another request with updated proof of income. After multiple attempts in contacted the loan servicer and providing the additional proof of income, the servicer has now misplaced my proof of income and has not processed my request in a timely manner. This has resulted in a mishandling of my personal information and months of additional accrued interest that should have been avoided. The loan servicer has also removed the message option in their contact us option on their website. The only option made available to their patrons is to call during regular business hours and be placed on hold for hours while transfers are made to different departments. I am unable to get a clear answer from any representative and I am instead given multiple different answers as to why my request could not be completed. It seems as though Mohela does not want to change borrowers to the new student loan repayment SAVE plan in a timely manner because this new program causes a loss of revenue on their end. They had no problem approving auto debt payment application request in a timely matter ; within a week. Their actions against student loan borrowers should be considered illegal.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TOYOTA MTR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> RE Acct # : None Provided This Letter is regarding the account unknown account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that represent you, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if can not validate the debt, you must request that all credit agencies delete the entry.

Pending the outcome of my Investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 DAYS of receipt of this certified letter will result in a small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} dollars in damages for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Prepaid card

THIS IS THE THIRD ATTEMPT TO GET GIFT CARDS.COM TO RECTIFY AN ERROR IN MY BALANCE. 

THE REMAINING BALANCE OF THIS CARD SHOULD BE {$27.00}. 

HOWEVER, GIFT CARDS COM SHOWS BALANCE AS {$13.00}. 

I HAVE BEEN SHORTED IN THE AMOUNT OF {$13.00}. 

In responding to CFPB complaint # XXXX the gift card.com person submitted a transcript of the charges to the account which started at {$100.00}. 

The transcript shows five ( 5 ) charges all on XX/XX/XXXX. The charges total {$72.00}. SEE ATTACHED No explantation is provided in the response as to the {$13.00} discrepancy. 

Has the rep even bothered to add up the charges against the balance he/she would have seen that the balance SHOULD be {$27.00} not {$13.00}. 

I did contact XXXX. They claim that they only charged {$27.00} to the card and are not holding any unfunded amounts. 

I also filed dispute # CS XXXX after speaking to the rep at the XXXX XXXX XXXX number. 

The telephone rep agreed with me that the amount shown as the balance is WRONG and should be updated to reflect an available balance of {$27.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 90 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account right now.