23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had an automatic withdrawal that was not honored by my bank in late XXXX. The next month automatic withdrawals continued as agreed. Starting in XX/XX/XXXX I have continually tried multiple times to pay the missed payment but online always says the website is in maintenance. I have spoken to representatives over 20 times since XXXX and they refuse to take a payment stating they can't find an account. I also have emailed support which has acknowledged an issue and sent me an email stating that charges and interest would be waived until they got the issue fixed but I still get maintenance notification when I log in. Recently I got notification on my credit report that the account is past due and balance has increased due to interest and charges. With Avant 's history with an FTC lawsuit I can only assume that the runaround I have gone through to make a payment is intentional and illegal to increase interest and fees. Their activities have reduced my credit score that will cost me money on insurance and loan rates going forward.
Product: Checking or savings account

The hey kept charging me oops fees when I had money in my account then I had to get my money sent back and then when I did have a overdraft and charge me {$20.00} for each time there was an overdraft which result in my account being charged numerous times multiple {$20.00} charges on top of the overdraft which put me in a deeper financial bind
Product: Checking or savings account

XX/XX/2019 : After noticing my monies were transferred to a cash app debit card I XXXX cash apps number ( XXXX ). A rep answered the phone Cash App and proceeded to help me transfer the monies from the cash app debit card ( which I have never had a cash app debit card or number ) to my debit card linked to my banking account. While trying to help me I was told I had to log out of my account but would be able to get back in. Once I logged out ( $ XXXX ) I was not able to get in cash app and dont know where the monies are currently. I need help in locating where the money is and either deposited into my account or refunded back to the sender. This matter has been an inconvenience and am very disgusted with this process ( this is the email I sent to cash app ). 
AFTER A FEW EMAIL EXCHANGES, they sent me this email Cash Support XXXX Sun XX/XX/2019 XXXX XXXX You Hello, Thank you for providing the requested information. We completed our investigation and determined your account to be compromised based on the information provided to the third party. To prevent further unauthorized transactions we have elected to close the compromised Cash App account. 
To regain access to your original account, you need to open a new Cash App account. Once created, we will grant you access to your original account information. 
Once you successfully create a new account please reply directly to this email with : Your new XXXX Photo of your current government-issued ID ( drivers license or passport ) Your current Cash App login device make and model We want to resolve this matter for you as quickly as possible, and with the required information ( your new XXXX and ID ), we can complete your reimbursement. 
We greatly appreciate your patience and cooperation. Please let me know if you have additional questions. 

Thank you, XXXX XXXX Support Still haven't received the {$2500.00}
Product: Credit reporting

Equifax has lead an out of date SOL public record on my report affect my credibility with financial institutions.
Product: Debt collection

as of XXXX XXXX a collections was just added to my account and im not sure how
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account.

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Student Loan Account by XXXX Department XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a complaint regarding inaccurate and unlawful reporting of a student loan account by the XXXX Department XXXX XXXX XXXX XXXX Experian credit report. Their reporting practices violate the Fair Credit Reporting Act ( FCRA ) as well as IRS regulations for debt cancellation. 

Details of the Issue : The account in question is reported as transferred and closed with no late payments. Despite this, it is inaccurately being reported as a charge-off on my credit report. This violates : 1. 15 U.S. Code 1681e : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of reported information.

2. 15 U.S. Code 1681i : Upon dispute, the creditor has failed to properly reinvestigate and correct the inaccurate information.

Additionally, when the U.S. Department of Education transferred or charged off the debt, I was not provided with a 1099-C form, which is required by IRS regulations for reporting canceled or discharged debt. The lack of a 1099-C indicates that the debt was not canceled or forgiven, yet it continues to be reported inaccurately as a charge-off on my credit report. Reporting a charged-off balance without providing a 1099-C constitutes both a violation of FCRA accuracy requirements and IRS laws regarding income reporting.

Harm Caused : 1. This inaccurate reporting has caused significant damage to my credit score, limiting my ability to obtain credit and secure favorable financial terms.

2. The absence of a 1099-C has also prevented me from addressing this issue appropriately with the IRS.

.

Supporting Documents : I have attached a copy of my Experian credit report highlighting the account in question. I am also prepared to provide additional information or documentation to facilitate the resolution of this matter. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with federal laws and addressing this issue promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

Initially contacted them via a recommendation from XXXX XXXX. I first contacted them on XX/XX/XXXX. Today is XX/XX/XXXX and this was the last straw. It has been almost 3 months and we still have n't closed. 
I took the day off today to await a notary that was never going to show because XXXX XXXX never contacted me for 5 days to let me know the notary was not available. So now they are rescheduling the notary again after I was told they would be available last Thursday or Friday which I found odd seeing as how it was XXXX. On Friday I was told they would be available today. After waiting 30 minutes past the scheduled appointment time I reached out to XXXX to find out who the notary was. It was then I was told the notary would not be available today. 
Granted I got XXXX XXXX by the VA Loan Appraiser and that took forever to resolve, only to get the same lower appraisal than last year even though the market had gone up 10 %. It took repeated emails and calls to get any information and the communication back was less than customer oriented. 
I had to take a day off to wait for this no-show notary and I requested them to reimburse me the {$560.00} it cost me to take off for the day. I was offered initially 0.125 % lender credit of the loan value ( {$220000.00} ) which is about {$280.00}. XXXX said he would bump the credit up to equal the {$560.00} it cost me today. I do not trust that to happen but will wait and see. 
I was told in each previous month I would n't need to pay for my XX/XX/XXXX or XX/XX/XXXX mortgages because we would be closed before they were due. Glad I did n't follow their advice and continued to pay my mortgages when the refi closing dates kept slipping.

I can not emphasize enough how much to avoid this company at all costs. Do NOT get any type of loan from Homeside Financial, even if it is a last resort.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT 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 Inquiries : XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A, STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my understanding someone have assent to my personal information due incorrect social security names appears on my credit report if an address I have no knowledge of an account I have no knowledge of if they names doesn't match my government issue identity card birthday it's identity theft I requested I a full investigation an everything should be removed off my credit report due to identity theft full disclosure everything should match if my names doesn't match I requested everything be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX of XXXX XXXX
Product: Money transfer, virtual currency, or money service

They contacted me via XXXX to work online on XX/XX/XXXX. 
Registered on NetPeack.com on XX/XX/XXXX. The person they call as a " mentor '' started giving me a training. When I finished the small training tasks, she said to install and use XXXX, XXXX, XXXX to pay about {$70.00}. She taught me how to receive the payment, convert it to XXXX and then again to USD to put in my bank account. 
Then they told me to do more, I needed to pay {$110.00}. Thought that's kind of the lesson fee, so, I paid. 
At the end of the day, I made more than what I paid. But I didn't withdraw that because they require " prepayment '' to start the jobs next day. This prepayment amount is going to get higher depends on what you made and that's the measurement of the level setting. The higher level, the more pay we can get. 

On the XXXX day, there was another type of the tasks which require more prepayment. This one was a training task, so, the mentor paid. 
Later on that day, when I started my own tasks, I got the same type of tasks. Still small amount, so, I paid. 
Repeated this for XXXX more days. On the XXXX day, I was able to keep about {$770.00} in my XXXX account. They recommended me to make a higher prepayment, which is {$1100.00}. I said no. I wanted to keep some money in my XXXX  account for the next day in case I get this higher prepayment tasks. 

Then the XXXX day, on XX/XX/XXXX, I finally convinced this is a scam. Those tasks which require higher prepayment showed up a lot on me. The mentor said there is a limit of XXXX of those tasks. But it wasn't. At the end, I paid more than {$9000.00}. I was planning to withdraw all money and quit once I complete the tasks for the day. But then at XXXX XXXX of only XXXX tasks were left, this higher amount task showed up. This time, it was {$15000.00}. At this point, I was already crying and asked the mentor for help. She just kept telling me to stay calm and look for where I can get the money. She told me to ask friends for loan. I just left the site and she kept telling me to pay the money and keep going. 

They had a chat group and they said they were making a lot of money. Later on, I head those people are also a part of scammers. 

I reported to XXXX on XX/XX/XXXX. Also, hired XXXX people to get back what I paid. Also, I contacted XXXX XXXX and Chase. 
XXXX XXXX once returned money only {$110.00} or so, but at the end, they pulled the money. Chase said they won't do anything. 

I also reported to the local police. XXXX for the report comes out. The case number is XXXX. Reported XXXX XXXX XXXX XXXX XXXX in California, XXXX. 

The site they used is already shut down.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by Equifax. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX and other applicable laws. 

Despite contacting Equifax and disputing these inquiries in writing, I have not received appropriate action or resolution. These inquiries have caused harm to my credit score, which has impacted my financial opportunities. 

Details of the Unauthorized Hard Inquiries : XXXX Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, which violates the FCRA.

Equifax is required to investigate and correct inaccurate or unverifiable information under FCRA 611 ( a ) but has not taken adequate action.

XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 6801-6809 : The XXXX requires that entities accessing my financial data must obtain my clear consent. These inquiries infringe upon my financial privacy rights.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Equifax is obligated to prevent and address deceptive, unfair, or abusive practices. The presence of unauthorized inquiries is a breach of this obligation.
Product: Credit card or prepaid card

My account had a credit balance of {$66000.00} that was to be refunded to me since mid-XX/XX/2018. The credit balance was on my account as a results of merchant credits that were owed to me for a group of transactions, and ultimately as of mid-XX/XX/2018 Capitol One collected these credit for me. My account accurately reflected the credit balance on my monthly statement. Initially after I requested my credit balance refund to be mailed to me, Capitol one told me they were going to mail me the credit balance refund within 7 days, later they told me they needed to wait until mid-XX/XX/XXXX due to the amount. In XXXX I was finally told the request was being submitted, but instead of mailing me the refund, they simply removed the credit balance from account to nowhere. See my XXXX statement attached herewith, you can see a purchase adjustment dated XX/XX/18 for {$66000.00}, and all they explaining me by phone is that it was moved to unclaimed holding account! I have been trying to call Capitol one repeatedly to get my money, but no one can give me a straight answer. All they are saying is that its going through verification and itll take 7-10 days to get an answer. I have been waiting this 7-10 days forever, finally I was assured on XX/XX/XXXX that it was being mailed out to me on XX/XX/XXXX. After waiting for 2 weeks now, 2 days ago I was told NO check has been mailed to me, and no one can tell me why or what can be done to get my money to me. I find this illegal as per the law capitol one is required to refund my credit balance within seven business days from receipt of request. Here its not been 7 days but almost 90 days! please get this resolved for me immediately as I should have to wait one day extra. They are not even paying me interest on this!
Product: Vehicle loan or lease

I just found out last week, the week of XX/XX/XXXX, that my car is out for repossession - apparently since XXXX of XXXX. The way that I found this out is that I got a credit alert that an account has been closed, and unbeknownst to me, it was my car loan through USAA for my XXXX XXXX XXXX. I am still in possession of the vehicle. 

I was under the impression that my loan was on autopay and would be drafted from my account. The really frustrating part of this scenario is that I have the means to pay all of my past due balances in addition to a good-faith payment to bring my account current. All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts. 

I called USAA multiple times this week and spoke with different representatives and escalation specialists for hours, but they said the only remedy would be to pay the remaining balance in full. This amount is nearly {$50000.00} and I can not make that type of payment all at once. I even offered to make a good-faith payment in addition to all past-due payments to show my willingness to pay and continue to pay - but every representative, including managers, said that once it is marked as a charge-off, they have no other options. 

I was reading the promissory note and saw that there are many different remedies that can be taken - as well as both parties coming to a mutual agreement. 

To summarize : All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts.
Product: Debt collection

I do not agree with the amount being demanded and threats to my credit report. I believe this is false inflation on behalf of the company. They adjusted my rate to be 3 times the original amount with no communication to me. I think cancelled and got this bill. i think this company is practicing fraudulent processes because its a service that everyone needs. I would like report this company for fraudulent activity towards me as a former consumer. There is no way I should have received a collection account for almost {$1500.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loans with Aidvantage formerly Navient. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called Aidvantage on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of Aidvantage and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of Aidvantage.