23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Two charge-backs were opened on XX/XX/2019 against Merchant XXXXXXXX  XXXX XXXX ' because this company had engaged in fraud by selling us fraudulent XXXX contracts. We became aware of this in XX/XX/2019 and opened the dispute accordingly. These include Dispute # 's XXXX and XXXX. 

Discover Card is obligated to protect us from this sort of fraud, as it was opened within the two-year time frame. This is also not the first time Discover has failed to protect us as consumers. We are highly disappointed in the level of service we have received from Discover. We are considering withholding future payments on this card balance, since it contains charges that we regard as fraudulent.
Product: Student loan

After making a sizable payment ( {$12000.00}. ) in XX/XX/XXXX, my next statement noted that the next payment was n't due until XX/XX/XXXX. Even so, I have continued to make payments. I am trying to find out why the payment due date for moved so far in advance, what my balance was after the XX/XX/XXXX payment, and if they were still adding interest even if the payment was n't due for another 4 years. I would also like to know why I was n't given any choices or explanation for the changes after the XX/XX/XXXX payment.
Product: Vehicle loan or lease

Ally Financial XXXX XXXX XXXX I have previously complained about Ally Financial in regards to this Vehicle. 
1 vehicle was in XXXX, Paid in XX/XX/XXXX by insurance company had a balance of {$440.00}. paid this XX/XX/XXXX they now say on my credit report that I was late in XXXX of XXXX and XXXX of XXXX and that car was paid in XXXX XXXX but Ally has it as a closed account and not as paid as agreed or paid in full. since they closed my account my credit score dropped 26 points. I believe that if the show on time payment for XXXX and XXXX and show that car was paid in full my credit score would be better to get a lower interest rate on another vehicle. this does not reflect only my self but I was to be the cosigner and not the account holder as I was helping my son to improve his credit.. previous complaint number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX XXXX XXXX XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX  XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX   XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.
Product: Credit card

On XX/XX/XXXX of 2024 I was charged {$230.00} on my Apple Card. I recognized immediately that it was not me using the card and I immediately disputed the charge with Apple Card. Apple Card provided a temporary credit while they investigated. After two months Apple Card contacted me stating they had received proof from the merchant, XXXX XXXX XXXX, that I authorized the charge. I asked for this proof and it was sent via USPS. When I opened the package the proof consisted entirely of someone else 's information. A totally different person in a different state used my Apple Card to fraudulently pay for their XXXX XXXX XXXX internet service. I contacted the merchant, XXXX XXXX XXXX, who confirmed that someone else had indeed used my card and that I needed to dispute it with my credit card company, which I already had. I believe Apple Card is refusing to investigate the issue properly and has only made the issue worse for me. Apple Card says they have fraud protection but they are not honoring that term. It is now five months later and I have since figured out that ten total charges were made fraudulently by the person in question for a total of {$1000.00} and Apple Card is not correcting the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called Experian, XXXX, and XXXX to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report
Product: Bank account or service

I set direct deposit online to my online h.r. I entered my account number and routing number and this information was excepted withan confirmation number. My official pay day was XX/XX/2016 but funds were never and still havent been recieved to my account. I have a trace number and gave it to the institution where funds were sent but they are telling me the funds werent qnd still havent been recieved. My employer will not issue me a new check and the reciever is saying that can not send anything back they never recieved! Im at a loss. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loan has been taken over by XXXX XXXX and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to your agency filing complaint against XXXX XXXX out to your agency regarding same issue. To this very day company has not fix or remove this account that is damaging my credit. My original complaint # XXXX. A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX /XXXX XXXX  . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. XX/XX/XXXX @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX  and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Product: Credit card or prepaid card

Thank you for taking the time to read this letter. Im writing because I noticed that back in late XXXX and early XXXX I made late payments in one of my credit cards. After checking my recent credit report. 

I want you to know that I understand my financial obligations, and if it werent for, I being jobless and moving around from place to place, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have gained a stable job and a new home I have been making my credit card payments every month Since then. Ive had a spotless record of on-time payments. I tried paying off the late payments but the company would not work with me and raise the interest on my credit card payments which made it more difficult to pay. They offered little to no help which made me fall behind more. 

Im planning to apply for auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my account. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Mortgage

I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. 
Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. 
My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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: Student loan

Under the Sweet v Cardinal suit the Dept of Ed informed Nelnet to discharge my XXXX loan in full and refund me all that I paid on it. I was part of the lawsuit. My school on the list of predatory lenders. 
Before this victory XXXX XXXX was pressured to respond to Borrower Defense applications and randomly denied applicants. I was XXXX. She wanted to give me interest {$3900.00} incurred while waiting. I appealed like many and was put into the class action. 
In XXXX I refinanced, consolidated to one loan, leaving Nelnet going to XXXX. 
The government bought FFELP loans during the big recession. 
Nelnet is trying to give me {$33000.00} Doubling the amount I owe from {$61000.00} to {$110000.00}, saying I borrowed {$37000.00} and {$23000.00} in XXXX. I graduated in XXXX. Thats fraudulent or theyre lying and trying to scam me further. 
And still owe them {$57000.00} I not only owe them nothing according to the court and Dept of Ed. They owe me for the years I paid on my loan. 
I asked XXXX and my loan qualifies for his {$20000.00} in forgiveness had I not been granted forgiveness through the court, therefore I know this is in fact a government owned loan and Nelnet is trying to defraud me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several billing issues. The late payments shown don't match my consistent payment history.
Product: Money transfer, virtual currency, or money service

I got a letter through XXXX tell me that I made money through XXXX so I hit on it anyway I ended up converting paying {$64.00} to have a converted from XXXX to USD they asked me for my XXXX  wallet address or my debit card so I gave him my cash out card okay a few minutes later it shows up on my transactions transaction successful then I got a receipt from XXXX transaction successful I got went from XXXX saying successful third party receipt say in transactions recession successful whoever say in transition successful it's on my transactions in my will used to be my cash app account they closed it down I text him and I'm messing them I called them and I called them and it was always telling me there's somebody to get back to me but they never did then why do I get five receipts in my transactions if I receipts saying they were successful but I didn't get no money and that was on XXXX the XXXX of XXXX  or XXXX one of the two XX/XX/XXXX or one of the two but they close my cash out down but I still got my cash out tag a card they won't let me have my amp back or nothing because of my receipts are in there on my transactions but somebody could get them if they had to I'd like to have my money that was like {$26000.00} a little more than that XXXX and also sold XXXX and went to cash up again I can't remember the exact date on there but it's on my transactions but it says I'm transaction was successful then but I didn't get no money again that's twice and I was on the phone with them both times for long long time they even wanted to verify my account and shut my card down and I just put {$300.00} on it well they verify my account and kept verifying kept verifying kept very fine I couldn't use my card I couldn't spend no money off of it could get no money or nothing well finally they said my account had been verified and they gave me my account back well they wouldn't know {$300.00} on it and it was {$78.00} or something in the hole how do you get {$8.00} or something in the hole with only money you can spend is what you put in there and I had XXXX just put in there and I come back with none with none I didn't even get to get my roundups I had in XXXX and I'd like to have my money back so open another account if they close that one it wouldn't and then they close that one take so you tell me I left have my money back
Product: Vehicle loan or lease

I purchased a car on XXXX. 2024. It was on cargarus for {$25000.00}. I called the dealership and told them I could pay $ XXXX down and I needed my payment between XXXX a month and preferably on the lower end of each. She said that she got it approved and wanted to know when I could come and sign paperwork. I went down that evening, I was on the lot barely XXXX minutes, I had XXXX minutes to sign paperwork before they turned the lights off on us. He came in and my payment was higher than anticipated, {$730.00}, but I really needed a car so I said ok. He took my {$3000.00} check, and came back with an XXXX and had me to sign it, it accepted my signature and then he processed to scroll down and have me tap on every icon. There was not an original agreement with the carbon copies give to me. The only documentation I received was printed out documents that didnt even have my signature on them. But the total amount financed was {$30000.00}. The car was suppose to be {$25000.00}, I paid {$3000.00} down, added extended warranty that was {$2300.00}, gap insurance, that was {$800.00}, title and taxes {$1800.00}, document fees {$850.00}. They have balance due to be financed {$30000.00}, the statement I received from the finance company said {$33000.00} was financed. I called and spoke to a sales manager and asked if my down payment was taken off and he assured me it was, he said the total was {$36000.00}!?!? this price isnt on any documents I received! That the bank added {$5000.00} in fees because of bad credit. I still cant understand how the bank raises the price of a vehicle, especially {$5000.00} and why the amount financed differs from my documents and the bank statement. How did a {$25000.00}, car that I paid {$3000.00} down on ended up being {$36000.00}.
Product: Consumer Loan

The rate/terms on a loan with Avant Credit/XXXX were not disclosed/agreed to. Complaints have been filed previously, their response shifts slightly from claiming to have screen shots showing terms/rate to consent to receive electronic disclosures. Please see complaint below which details my experience and their various replies which again, seem to shift, neither reply shows proof that rate/terms were disclosed to me. 

Avant administers the loan, it appears XXXX is the actual lender in which complaints have also been filed against in regard to this and other matter, a XXXX account. XXXX is known to charge unusually high interest rates as their rate of 35.94 % is the highest around and do not consider credit score as a factor, contrary to what they claim. I 've spoken with XXXX XXXX and he mentioned credit score as a factor as well as credit worthiness. My score at time of approval was in the mid to high XXXX range, my rate should not be so high. A number of XXXX reviews, mostly negative, reveals they charge everyone the same flat high rate of 35.94 %, they do not in fact consider credit score. 

I will again reiterate that the terms such as high interest rate were not disclosed at time of application/loan approval. This may be due to a technical glitch on my end, my computer was experiencing issues including but not limited to screen resolution, lag/freezing, web-pages not fully loading. This might account for rate not appearing or disclosed. I have since purchased a new computer. Had I known of the actual rate I would have not applied. A copy of terms was not sent to me until after I requested it, the last rep ( s ) I spoke to at Avant emailed me a copy, this was not sent to me prior. 

XXXX XXXX also stated he has screen shots showing terms/rate, etc. There is no way he can show what was seen on my end, on my computer screen, at time of application/approval. XXXX XXXX at XXXX has also claimed the same, however, I have seen nothing as again, they can not show/prove what was seen on my end. They both seem to imply I am or was having difficulty making payments and are missing the point that I refuse to pay this high rate, thus the reason for not making payments. They might be use to people blindly paying them, however, in this case they are wrong. The total paid with interest is over XXXX, according to schedule, more than double the actual loan amount. If they think I will pay this they are sadly mistaken. 

Information has been provided to my attorney about this matter, in case it is referred over for collection or legally. In closing, please advise them that again, if they wish to continue seeing any kind of payments they will renegotiate the loan somehow or lower rate. Their electronic disclosure ( s ) are just that, electronic, they do not have anything signed by me and might be difficult to prove. As mentioned above, his reply has shifted from having screen shots showing rate/terms to I consented to receive electronic disclosures. Also, he claims I chose the actual loan amount/terms. This is not correct, the loan amount was the only amount offered to me and chose to accept, however, not the high rate of 35.94 %.
Product: Money transfer, virtual currency, or money service

I attempted to quick pay {$1000.00} for a deposit for a dog to a breeding company located in XXXX XXXX XXXX but when doing so, I never heard a response back confirming they received the money. I attempted reaching out to the contact info I had many times and heard no response confirming they received the funds and or would be able to issue me a refund for what I had sent through quick pay that apparently gone missing in thin air. I attempted to call Chase and submit a claim and they denied me because I knowingly sent the quick pay. But I did not knowingly agree to this merchant and feel as if my bank whom I am private client with, should provide insurance and investigatory backing. But they did not. Please let me know if anything can be done. Especially during a time such as this, with COVID going on. I would expect more from my trusted banking institution. I thank you in advance for your assistance.
Product: Debt collection

Around XXXX while living in XXXX XXXX, I owed XXXX around {$3500.00} when they changed the small print of debt swaps for {$0.00} interest. While I was still making payments, they sold my debt to unknown persons. 
In XXXX, when I had moved in with my parent in northern XXXX I was approached while mowing the back yard lawn by a woman with a fake police badge and a court document, which I assumed was fake, about collecting a debt. I refused to sign. They sent me something in the mail as well, from Asset Acceptance, alleging that I was wanted in court, which I assumed was also fake. A week or so later, a large middle-aged man came to the door and entered the house, loudly demanding that I file for bankruptcy, which I found absurd for such a small amount. I had to push him out of the house. In retrospect I should have called the police. I remember wanting to do so. I felt that I had been subject to discrimination in that area of XXXX  ( XXXX XXXX ) by employers because I am an XXXX War veteran and so I was somewhat used to negative treatment. 
I never heard from Asset Acceptance again until a year into working for the United States Postal Service in XXXX, XXXX, in XXXX, when they began garnishing my paychecks for over {$9000.00}. This time they were under a different name, Midland Credit. That's because Asset Acceptance was disbarred by the XXXX  XXXX XXXX due to a class action lawsuit. I immediately took them ( online, virtually ) to the same small claims court in XXXX, XXXX, which had apparently aproved the debt collection, arguing that the debt was time barred, but to no avail. The judge felt that I should have contacted them. I did in fact contact Midland Credit in that timeframe and the virtual chat person gave me the run around. 

I just read the CFPB report on your actions against Midland Credit and am wondering why this company is still allowed to do business in this manner. They prey upon the poor, hoping they won't be able to defend themselves. This certainly isn't an American virtue, let alone the propper way to do business in any country.