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

I have called before about someone trying to scam me be sending me money to my bank account. The amount was {$2400.00}, I didnt know they were scamming me they claimed to be a sugar dad I knew of the scam after I put the check in my account. Called the FTC, the person I talked to stated the money that went into my account would be mine. They opened a report to find out what happened, but later today I get a charge for my bank saying they took the money back out so now I have - {$2400.00} in my savings. I was just confused because I was told by the ftc and my bank that the money would be mine.
Product: Debt collection

I have received a5 letters and numerous phone calls from XXXX and associates. I told them to stop calling. I searched online and found out this is a scam company in California. The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.
Product: Debt collection

I tried to call this company called Credit Collections Services, because I just now received a letter from them dated XX/XX/2022 with File Number XXXX XXXX XXXX PIN number XXXX for the amount of {$53.00}. The letter shows creditor being XXXX XXXX XXXX, and they offered a discounted amount of {$42.00} for me to pay. However I received a text from another company called XXXX with reference number XXXX there contact number is XXXX requesting money for this same alleged debt. Top level I now have on my credit report listed that I owe {$53.00} but it does not specify to who and my credit report went down terribly. 

I am requesting an official debt validation letter from each one of these companies. I want to get proof of sale with my signature that shows I in fact owe this alleged debt, and I want this collections remark to be officially removed unless they can provide me with signed bill of sale or alleged contract and to whom do I alleged owe this debt to but this is unfair.
Product: Debt collection

XXXX XXXX is claiming {$130.00} owed for auto insurance on a policy that was cancelled and paid, with a XXXX balance. XXXX XXXX was dropped by me due to my finding a more suitable insurance carrier. I personally cancelled the homeowners and bundled auto insurance. XXXX XXXX charged me {$1200.00} for home owners insurance and XXXX monthly for automobile. When I switched insurance carriers, my premium was now {$510.00} for homeowners and {$60.00} monthly for automobile. Significantly lowering my bills. Which by the way, I repeatedly requested XXXX XXXX contact me directly and explain why my premium was so high. XXXX XXXX failed to contact me for over 4 months, thus resulting in me seeking a more suitable insurance carrier. Additionally my escrow was significantly lowered as a result. I can prove and have sent in my payment history to XXXX XXXX, yet in retaliation of being cancelled, XXXX XXXX sends this {$130.00} to collections in an attempt to ruin my credit.
Product: Vehicle loan or lease

XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Subject : Formal Objection to Repossession of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX Dear Mercedes Benz Financial Services , I am writing to formally object to the repossession of my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX under account number XXXX, which occurred on XX/XX/XXXX. This repossession has been conducted without any prior notice to me, violating my consumer rights as outlined by the laws of the State of New Jersey. 

The lack of notification regarding the repossession is not only a breach of contract but also a violation of the fair practices expected in such matters. As a consumer, I have the right to be informed and provided with reasonable notice before any repossession action is taken. However, this fundamental right has been disregarded in this case. 

I am formally objecting to this repossession and would like to bring to your attention the mandatory arbitration clause present in the contract. As per the terms of our agreement, any disputes or disagreements are to be resolved through arbitration. Therefore, I intend to exercise my right to arbitration in order to address this matter. 

I expect prompt communication from your end regarding the resolution of this issue through arbitration. Please provide me with the necessary details and procedures to initiate the arbitration process at your earliest convenience. 

I trust that we can resolve this matter amicably and in accordance with the laws and contractual agreements in place. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I obtained an auto loan through Santander Consumer USA. The total amount of the loan was just over {$11000.00}. I paid on time 82 % of the time I maintained the loan until XX/XX/XXXX. As a result in XXXX of XXXX Santander closed my account with them. Now in XX/XX/XXXX the car has been repossessed. I contacted Santander the day the vehicle was repossessed to discuss with then the vehicle sale options. They informed me that I owe then over {$10000.00} to buy the vehicle back. My complaint is that after 3 years of monthly payment of {$300.00} my loan was only paid down {$1000.00}. The gentlemen rep for Santander informed me that I was consistently paying late or making partial payments and those late or partial payments went all to Santander in interest and penalties. My problem with this is that they have themselves reported to my credit report that payments where made on time 82 % of the time and that if payments were made late they always charged a late fee of {$15.00} that was to be paid at the time of the late payment. At a payment rate if {$300.00} a month for 3 years I have paid Santander roughly {$10000.00} that that only paid off 19 % of my loan. Santander has mastered moving the goal post and I knew that I would pay off my car even in the 6 year life of the loan. At the end of the day I would have paid for the vehicle twice. I don't want this to happen to other people and I would hope something is done to stop this sort of predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to file a complaint against Trans Union regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card,  Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX XXXX, Trans Union and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX XXXX I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX Card and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : none It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Mortgage

XX/XX/2023 To Fifth-Third Representative, XXXX XXXX , This is a response to a letter I received on XX/XX/2023, notifying me that my mortgage loan was to be paid in full. This letter is in direct conflict to the previous agreement crafted by XXXX XXXX XXXX representative and 5/3 representative XXXX. In that agreement, I was to pay around {$2300.00} by XX/XX/2023, at which time my mortgage would be reinstated at its original monthly payment. 
I am prepared to make the payment as agreed upon my XXXX XXXX XXXX and 5/3. I am open to speak with anyone to resolve this issue immediately. You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT MAGNFINCU - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I sent a dispute letter to equifax on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. XXXX XXXX  was reporting a / XXXX account on my credit report that they sold to XXXX XXXX XXXXXXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that this account should have been deleted. Equifax refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave Equifax written consent or permissible purposes to report any account on my consumer report.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called and informed us that they would Repossess the XXXX XXXX XXXX which was totaled onXX/XX/XXXX by USAA per their Total Loss Letter.

Informed that they would report the matter to the Credit Agencies which would be a negative statement on the credit report for 7 years. They informed me I would owe the remaining balance after they auction the Vehicle.

I consider think the way USAA Insurance handled this matter from the start on XX/XX/XXXX until XX/XX/XXXX has not been in the best interest of the Customer. USAA Insurance is telling me they had no responsibility to follow their Total Loss Letter because the Repair Shop XXXX XXXX XXXX XXXX would not release the Totaled XXXX XXXX XXXX even after the Customer informed the Shop that the Vehicle was totaled on XX/XX/XXXX in Person at the Shop. I never signed the Repair Order until XX/XX/XXXX and the USAA Insurance Adjuster sent a check to the Shop for $ XXXX on XX/XX/XXXX which I did not approve or agree with. I asked for the Vehicle to be moved and inspected by another Repair Shop but USAA Insurance did not grant my request. Instead USAA Insurance and the Repair Shop kept fixing the Vehicle and after the Customer received two Total Loss Letters from USAA dated XX/XX/XXXXand XX/XX/XXXX.

I was informed by the Bank Officer XXXX XXXX  on XX/XX/XXXX that the Vehicle loan would be payoff due to the total loss which did not happen. USAA asked me to send in and sign the POA for the Title. The Title was signed and sent to USAA so why was the Loan not paid off and now sending us letters for collection and Repro Man knocking on our Door early Saturday morning XX/XX/XXXX looking for the XXXX XXXX XXXX which was still at the Repair Shop.

I've communicated with both XXXX XXXX and XXXX XXXX XXXX XXXX from the start of this matter and requested they coordinate with each other several times to solve this matter and fulfill their responsibility regarding the Total Loss Letters.

XXXX XXXX  Paid XXXX   on a Vehicle estimated value {$23000.00} way over the 80 % threshold required by Florida State Law. The Vehicle is 100 % totaled in my view and is backed up by the Inspection Reports and 4 additional supplements!

USAA denied me the Car Replacement feature which provides for an additional payment when there's a Total Loss. Also denied me the GAP coverage I purchased for the Loan on the Vehicle.
Product: Debt collection

I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a career Navy chief XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX-years XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 





In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Student loan

Mohela had no record of my prior IDR payment amount despite the fact that it should have ported over from XXXX, despite the guidance from the XXXX XXXX and DOE. I was told to reapply to get an IDR payment amount. I did so and Mohela apparently cant seem to calculate my correct payment amount. As a former teacher with a new baby, this stress in entering repayment has been hard to bear. 

I applied to the save repayment plan with my financial information as well as my spouses. The Mohela application correctly calculated my payment amount as allocated between my spouse and my loans ( Est. {$60.00} of a total of est. {$360.00} ) ; however, the amount actually applied to my account as I entered repayment was the full amount both my spouse and i are required to pay rather ( est. {$360.00} ) than the allocated payment amount based on my relative loan percentage ( est. {$60.00} ). My spouse has roughly XXXX in loans while I have a mere XXXX in loans, so this payment distribution makes no sense. 

Initially I was put into admin forbearance in XXXX for this calculation, presumably, but when I was put on repayment for XXXX, the amounts were erroneous as described above. 

I'm troubled that this miscalculation occurred as I provided accurate financial information through the servicer 's repayment verification process. I did not receive a copy of the information entered, and instead only received billing information with the incorrect amounts. 

I have contacted mohela several times and asked for a review of my account and a temporary placement into administrative forbearance while they review and preferably rectify their payment calculation issue, but i have received no reply despite these inquiries. This is despite their claim that they will respond within 3-10 business days. 

I would be fine paying my loans at the correct amount but my spouse and I will not essentially double pay for the servicers miscalculation. 

as Mohela has been unresponsive and i have little desire to wait on hold lines for hours to be told incorrect information ( as my spouse has experienced several times ), i'm hoping this complaint process can spur correction. i'm happy to provide whatever information is needed. thank you for your time.
Product: Credit card

I ordered 2 pans from a company XXXX XXXX. It is showing the package was delivered via XXXX on XXXX. I did not get the package. The vendor refused to issue a credit or replace. Discover has taken the position that they do not need to issue a credit stating it is in their service agreements. Discover initially said they would email the information.. they did not. I called again to be told they can not email the information that it must be mailed and it could take 15 days. I filed a police report regarding the missing delivery.
Product: Checking or savings account

On XX/XX/2022 my account was charged through a company called XXXX and I did not give them permission to they had went through my paypal account to then charge my bank account which is connected to XXXX. My account then went overdrawn that day and I went in the negative - {$17.00} after just fixing my account positive XX/XX/XXXX. I did not know this company did this to my account until I relooked over my account on my cellphone Fifth Third Banking App, once I noticed I contacted the bank which was on XX/XX/2022 and they stated they would not charge my account more than two overdraft fee. Then I wound up with three charges of overdraft fees to my account. I then went to a Fifth Third Bank Branch to discuss further because the Customer Service on Phone nor Online could help with furthering my issue of being fraud and hacked by the XXXX company which I had contacted myself to get this resolved and my money back that they had stolen out of my bank through XXXX. I then was told that my MyAdvance that I had was taken from me because I was negative for more than 15days, but I was negative for only 7 days before I had the company return my money to my bank which at that time I had only been charged 2 overdraft fees a {$25.00} and a {$37.00}. I went back into the Branch to get my myadvance turned back on XX/XX/2022 then I was told thered be a request to get my myadvance back but it wasnt positive I would be able to get it back. I then spoke to XXXX XXXX over the phone and she told me that I would be contacted about what could be done then, so after being told that I was finally contacted again on XX/XX/2022 and was told I would have to open a brand new Checking account with them ordinary to claim this as a fraud and hacking done to my first checking account. After creating my new checking account XXXX XXXX said shed call me back once she heard something about my myadvance being turned back on and given me my full limit I had had before, here it is now XX/XX/2022 and I still have not received a call back from her. Today I called XX/XX/2022 and asked to speak to her and they tell me that she wont be available until Friday XX/XX/2022, then was told that my message could be relayed to the Manager, I asked to speak to the Manager but was told she was busy with another customer at the time and that I would have to wait to be called back from the Manager about this. I expressed I can not wait any longer seeing as I have bills I wanted to pay with my myadvance.
Product: Money transfer, virtual currency, or money service

Roughly around the month of XX/XX/2023, I attempted to open an account with VENMO to receive rent payments for the convenience of a tenant. I opened the account, following their instructions, and attempted several times to link my bank account to it, manually and through the plaid service. All attempts failed on their end, ( even through my bank acknowledged them as successful ). This immediately concerns me because do they now have access to my bank account they are not acknowledging? Even worse, they then froze my Veno account, leaving me unable to even delete it. 

I brought this to their attention in an email ( XX/XX/XXXX ) and a rep named XXXX XXXX replied completely ignoring my issue and stating some vague, unspecific violation of their User Agreement.??? By opening an account and linking a bank account to it? They then demanded I upload my license to address the issue. Having no trust in them, I declined. 

Completely disgusted with them at this point, I requested that they delete my account and relevant information, as I no longer wished to do business with them. ( Email XX/XX/XXXX ). XXXX replied to me, refusing to delete my account unless I sent them more personal information in the form of a driver 's license. This is ridiculous. I want these people to delete my account, period. They have no reason or right to hold it open against my wishes, especially as it was never even capable of being used. I would never do business with these people, nor entrust them with XXXX cent of my money.