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

So this problem is with credit karma / XXXX XXXX. I filed my taxes with XXXX XXXX and it says I filed with credit karma Ive also received 2 of the stimulus checks on there that I cant access nor does the irs have them payment sent back to them from when they sent it! Ive talked to multiple customer service representative. Ive tried to email Ive tried to call and never get no correct answers on why one day my credit card shut off right when I got my child tax and all my money Im missing XXXX with credit karma I can prove Ive called and emailed multiple times I can get a transcript from irs saying this much was sent to that account that still shows active but from my side its not
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. XXXX, Experian and XXXX have not complied with the laws to remove these accounts with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX, Account Number XXXX, XXXX, Account Number : XXXX, XXXX XXXX XXXX , Account Number : XXXX, XXXX XXXX , Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX , Account Number : XXXX, XXXX XXXX XXXX , Account number XXXX, XXXX XXXX XXXX , Account number:XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

Some of these accounts have been paid in full and was suppose to be removed immediately but they have not done so.
Product: Money transfer, virtual currency, or money service

I was doing wire transfer from chase mobile banking app of {$20.00}, the transaction got cancelled and my account was locked & this has happened twice than i tried contacting the XXXX after verification of identity my account gets unlock & than whenever i do wire transfer again my account gets locked. It's happening again & again. 

{$20.00} transaction details are as following : - Send to - My brother XXXX XXXX XXXX XXXX XXXX Purpose of payment - personal, cultural, recreational services. 
XXXX XXXX - XXXX Date of transaction - XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I have asked TransUnion many times THE METHOD THEY USE TO " VERIFY '' INFOMATION ON MY CREDIT REPORT IN DETAIL. XXXX, you fail to address that issue whatsoever, several time. You failed to answer me within 30 days which is illegal and by law you must remove the following information. 

NOT MY DEBT REMOVE IT : XXXX XXXX XXXX... 
XXXX XXXX XXXX .... 
XXXXXXXX XXXX THIS WAS ALREADY PAID AS A CHARGE OFF WITH a 1099c I filed with my taxes. YOU CAN NOT COLLECT ON A DEBT TWICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

AND DO THE FOLLOWING BELOW : I dispute your claim and I am requesting validation from your pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

- Provide a breakdown of fees including how you calculated what you claim I owe.

- Provide a copy of my signature on a contract or document that holds me responsible for his alleged debt.

-Cease any credit bureau reporting until debt had been validate by me as required under the FCRA .

- Send me proof that you are licensed to collect debt in my state. Send this information to my address listed enclosed and accept this letter send as my formal debt validation request, which I am allowed under the FDCPA.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Account Balance : {$31000.00}
Product: Debt collection

i went to court XXXX not knowing about credit card they were suing me for the court ordered discovery for me to verify turns out the credit card was XXXX XXXX XXXX in ny XXXX years is max statue of limitations when i called the collection agency they didnt know about discovery they just want me to not show up and they put a mediator in to settle i shouldnt have to pay for a debt that i have no idea about and is XXXX XXXX XXXX this is unlawful and unacceptable
Product: Payday loan, title loan, or personal loan

Purchased set of tires and wheels on XX/XX/2017, total price = {$2200.00} with {$800.00} payment made, balance {$1400.00}. Utilized credit program with vendor which sourced through American First Finance. When making the {$800.00} and opting for credit line I was not given credit terms nor interest rates, was told to expect to be contacted by loan agency, this was one day prior to making cross-country trip. Upon arrival to destination, XX/XX/XXXX, created automatic payment through my bank since I was not home to receive notice of payment or interest rates. When creating this automatic payment I noticed a payment had already occurred to American First Finance. I contacted them to inquire about this action and if this amount would pay the entire balance of {$1400.00} by the due date, the customer service representative stated, yes. 

Several months later I checked bank payment history and noticed payments were still being withdrawn, well surpassing the {$1400.00} amount, a total of {$1700.00}. I contacted American First Finance to request a refund of the {$260.00} overpayment and they cease withdrawals, they refused and stated that this was based on the interest rate compounded after exceeding the 90 day mark. First, I did not receive a notice of the interest rates nor when I returned home to California, did not receive mail containing credit terms or interest rates. It was during this telephone call that I was finally able to coordinate receipt of the credit terms and interest rate. This was emailed to me and depicted a rate at 140 %. If I would have known of this rate I would have opted not to take this credit line and if I did would have made a valiant effort the balance was paid well before the 90 day mark instead of relying on their customer service representative that assured me things were taken care of. Because they were unwilling to accept my payments for payoff nor generate a requested refund of I cancelled payment to American First Finance, which cost me {$25.00} to process. With continued effort to rectify with American First Finance they stated they did change their business practice with the vendor I purchased the merchandise, XXXX XXXX XXXX XXXX by ensuring consumers were given credit terms and rates but would not show I paid the balance nor refund me the amount I overpaid. That in itself was an admittance that American First Finance required corrective action but they still were unwilling to refund my overpayment nor rescind their efforts to seek further payments for over {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX  XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
Product: Checking or savings account

I opened a new account with TheTenn and they promised a {$50.00} bonus to receive a {$300.00} direct deposit in 15 days from when I opened the account on XX/XX/2024. The account received the required direct deposit but TheTenn never paid me the promised {$50.00} bonus. Can you please help investigate?
Product: Debt collection

Aargon collection agency XX/XX/XXXX Amount XXXX I have told them this is not a account of mines and I was in XXXX, I was XXXX  in XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX agreed to delete their account from my credit if I satisfied the balances. I have done so and XXXX XXXX has yet to delete the accounts. Please delete. XXXX XXXX has FAILED to respond to the CFPB and me in my previous complaint. Please see the response in my precious CFPB dispute. 

# : XXXX # : XXXX # : XXXX # : XXXX # : XXXX
Product: Mortgage

My husband and I took out a mortgage in XX/XX/XXXX which was a home equity line of credit. The first 10 years was interest only and the 2nd ten years was principal and interest. The mortgage and note we signed are not clear on that. Then XX/XX/XXXX the payment changed from XXXX something to over {$2600.00}. We got no payment change form 120 to 240 days prior to this and now we are behind on our mortgage. PNC who is the bank said they do n't have to send a notice that we knew about on our note and mortgage. We applied for a modification. We got a letter of approval. Made our first trial payment and the day after we made our first trial payment we got a letter of denial on the modification. They are now threatening foreclosure. We have been making interest only payments just to try and keep above water. According to their statements they are not being showed properly on the statements. We really need help here. PNC is the biggest bankster our there.
Product: Vehicle loan or lease

I have sent the rescission letter to Mercedes Benz of XXXX and Mercedes Benz Financial Services legal department. I cc the Connecticut Attorney general, Connecticut State Comptroller, Federal trade Commissioner, and OCC. My notarized rescission letter is attach to this complaint. 

YOU ARE NOW ON NOTICE. YOU HAVE 10 CALENDAR DAYS TO RESPOND WITH MY DEMANDS.
Product: Credit card or prepaid card

Representative gave false and misleading information about a promotional transfer for a 0 % promotional offer for {$10000.00} for which I paid a {$400.00} fee. The company refunded the improperly charged interest, however they did not refund the fee. In addition I have requested that the company refund the amounts that would have accrued to me under the XXXX XXXX card. 

We want our {$400.00} fee back and the amounts that would have accrued to our mortgage if we did not have to close our mortgage Several complaints were filed and improperly closed until the fraudulently charged interest was refunded under case number # XXXX. 

The XXXX fee has not been returned and the cash back amounts have not been refunded. A new complaint for these reimbursements has been filed under case # XXXX.
Product: Payday loan, title loan, or personal loan

Got a loan for XXXX dollars on line through checking who is also axcess financial did not receive any paperwork. Got loan in XX/XX/2020. Paying XXXX dollars biweekly. Problem checked credit Rpt. Shows XXXX dollars month for term of 18 months. That would equal XXXX dollars. That's predatory lending.
Product: Debt collection

When I was XXXX from XXXX XXXX XXXX on XX/XX/2022 I was sent by XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I was sent there for XXXX XXXX, I was at XXXX XXXX for 23 days, I was XXXX from XXXX XXXX and they called XXXX XXXX to take me back to XXXX XXXX XXXX, before I was XXXX to go to my own home that I own and have lived at for 51 years now. XXXX XXXX XXXX is my Medicare Advantage Plan Insurance. There was a lot that went on while I was at XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .After I left from there and went back to hospital, I told my son to go and get my clothes and belongings and my money and other articles, that I wasn't able to carry with me, because no one told me I was going back, they just showed up and took me without any explanations. I had some very nice expensive long gowns and robe that were in the dresser draws there, along with several tops and pants. I recently called XXXX  to ask for a Print out of my Bill showing each day I was there and the day I was XXXX. I want to see what all I was being charged for and they will not let me have anything for myself. I didn't even know I owed anything at all until I called them on phone and ask for this and was denied I hadn't received any bills at all since I was XXXX. But while I was there they kept asking my children for my Banking Information on several occassions. I would not give them this info, because I did not believe I had to give them this since I already had XXXX XXXX XXXX XXXX. Now I found out through Medicaid, that XXXX XXXX XXXX has tried to file for Medicaid on my behalf with out my knowledge of knowing this. I have never filed for XXXX  or have ever had it, XXXX XXXX XXXX was trying to file for XXXX XXXX XXXX for me there, and I was only there for 23 days, I was XXXX on XX/XX/2022 and went back to XXXX XXXX XXXX. I think I should have the right as a patient to get a copy of all of my charges showing all the days I was there, what all I was being charged for, everything that they said I got while I was there. I had a emergency in middle of night with my XXXX machine fell on floor and water was going everywhere and all in my mask and face, I kept calling for nurse almost a hour before they would come, they were abusive and mean, When I called and talked to the bookkeeper just last week about this, this is when I found out that she said I owed this debt, this is the first I even heard of it, I want them to send me a Statement of everything, and the bookkeeper was nasty acting and told me no and ask me if I was going to pay her this {$340.00}. that I owed to her, we had words over the phone and I ask her who g ave them the right to ask for my bankinh and all, and this XXXX XXXX XXXX  that I didn't know about, She hung the phone up in my face, and said I could not have anything.
Product: Debt collection

This debt was paid & I called to see if they would delete it from all credit bureaus & I was told they couldnt ; I have even tried to contact bureaus on my own & nothing happened.
Product: Credit card

Reference Bank of America fraud claim : XX/XX/year> received a call from my credit union ( XXXX XXXX XXXX XXXX ) which I did verify the number on caller ID that it was from my credit union. Individual indicated he was from my credit union fraud department and possible fraud on my credit union XXXX card and possible other visa cards. He had my account number both credit union account and my visa account number for both credit union and Bank of America. As I remember, we exchanged several text messages over a couple of hours and I may have said yes to a couple of them, through my ignorance not knowing what I was saying yes to. 
He indicated he would call back Monday the XXXX XXXX after he gathered more info. I went to my credit union on the XXXX of XXXX, found out he ( XXXX XXXX ) was not a member of XXXX XXXX XXXX XXXX team and that he spoofed their number and I was scammed. I immediately closed my account with XXXX, reopened new ones. I then locked all my credit cards ( XXXX XXXX XXXX, locked the XXXX credit bureaus, notified Bank of America XXXX XXXX, they closed the cards and issued new ones. I filed a fraud report with Bank of America and the FTC. Bank of America has denied my claim of fraud for just under {$25000.00} and I have reopened asking for proof of purchases. XXXX charges to someone in XXXX XXXX called XXXX XXXXXXXX XXXX were charged to my card. I was not alerted of these charges, although I had {$500.00} max alert posted. Bank of America has refused the claim saying I authorized it, they have yet provided proof except to say I authorized via text message. I have no merchandize/material resulting from my supposedly {$25000.00} in purchases. I will seek advice of an attorney.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.
Product: Credit card

I am writing to bring to your attention an issue related to my credit card account with XXXX XXXX XXXX. On XX/XX/year> I received notification that my account had been closed due to possible fraud. However, I believe this action was taken in error, as I had not received any prior communication or warning. 

As a responsible credit card holder, I have consistently maintained a good payment history and relied on this account for various financial transactions. The abrupt closure has caused inconvenience and confusion. 

I kindly request that you investigate this matter and update my credit report accordingly. Specifically, I ask for the following : 1. Please correct any negative impact on my credit report resulting from the erroneous closure of my credit card account.

2. I seek a detailed explanation for the sudden closure. If there were any issues or concerns, I would appreciate knowing them so that I can address them appropriately.

3. Going forward, I expect timely communication if any changes are planned for my credit report. Advance notice will allow me to take necessary actions. 

I appreciate your attention to this matter and look forward to a swift resolution. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX Account XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, good morning, we have a problem with the company Cicle Internet Financial cervice LLC because we sent you 18 days ago XXXX transfers for the following amounts : XXXX usd date XX/XX/2023, XXXX usd date XX/XX/2023, XXXX usd date XXXX usd date XX/XX/2023 and XXXX usd date XX/XX/2023 for the exchange of USD TO XXXX XXXX 's technical support agents tell us that these transfers would be returned because you do not have the reference ID, but this has not happened and it has already been 18 days. We are facing lawsuits from our workers for not paying our company 's payroll. XXXX XXXX XXXX XXXX because XXXX has not returned the transfers. We request your support from the CFPB so that our transfers are returned immediately. Thank you very much
Product: Student loan

Nelnet has failed to provide an original instrument of indebtedness ( Master Documentation ) with my signature from the original creditor of the student loans from which they purchased. 

Nelnet ONLY provided the consolidation promissory note as a loan servicer and NOT the original instrument of indebtedness. 

I need to see the original instrument of indebtedness in its original form to consider this debt valid within 30 days. If not I will consider the debt invalid, null and void.
Product: Checking or savings account

Called Navy Federal on XX/XX/year> regarding funds removed from checking account that shows a transaction where my recent deposits have been removed to pay on a credit card that is not attached to the account. 

Credit cards have been charged off and no longer showing on my Navy Federal account and/or dashboard.I spoke with XXXX that stated he was a recovery specialist who stated that Navy Federal can remove money from my checking account to pay charged off credit cards. I was denied a refund.