23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have a Rushcard that I use to make Direct Deposits for on my payroll every 2 weeks. I received an email that they were having some maintenance done with their website on XXXX/XXXX/15. On XXXX/XXXX/15 there was another email stating to take any funds out of the card just in case it was needed while the maintenance was still in progress. I had no funds in there at the time. On Wednesday night XXXX/XXXX/15 my direct deposit was supposed to hit my account and then I usually withdraw the funds the next day. Since XXXX/XXXX/15, I have not been able to get my funds out of my card. My card says my account is inactive. The website will say my funds are there but then the day after it would show as XXXX dollars.When calling the company for more information it either rings and hangs up, or when they answer it is a " our systems are down '' speech and unable to see your account please call tomorrow. I have relentlessly called them every day twice a day, on hold for 3 hours, emailed them over 20 times to their email address XXXXXXXXXXXX. I have XXXX messaged them over 30 times. Then on Sunday XXXX/XXXX/15, my account stated my deposit was there on another card I had previously but that one expired on XX/XX/2015. Since then they issued me a new caed which expires in 2018. This is still the case. I can not access my funds in any way at all. I get nothing but no explanations on the phone when you speak with agents. They are not in XXXX but outsourced from XXXX. They say they will call you back but they do n't. I still have not had any of my money returned to me since this has happened and there should not be any excuse for them not to update the card with the money unless they have taken it and are not saying so. My livelihood depends on my payroll checks, If I do n't have then bills will not get paid, there will be no food on the table, I take the bus to work so no bus fare, and my dog whom i love very much has no food to eat as well. I do n't have it as bad as the XXXX people who have been affected by this. But it is still my earnings that I worked hard for and I should not have to wait for them to give me what is rightfully mine. I called my HR payroll department and because it was posted as " received fund '' from Rushcard as it seemed to be an open account at the time, they are unable to reverse the money to cut me a live check. I am one of the many who needs this to be corrected and as soon as I am able to I am going to take all of my money and burn the Rushcard into ashes. But in the meantime I still need my money and it has not been resolved. This is not how a business is run especially if involves money and banking. If this was just a technical issue then there are ways to get the money back. They could issue checks. They could issue money orders. But instead they ignore our emails, avoid our calls, lie to us on the media, and the contract says no arbitration allowed. There has to be some justice done to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid this off in XXXX of 2021 after the representative confirmed it would be deleted from my account. Months later it was still there. Ive disputed the account multiple times and contacted the collection agency. I begged them to listen to the recording of the original call, they laughed at me and hung up in my face. Please help
Product: Debt collection

I had an appointment with XXXXXXXX XXXX XXXXXXXX XXXX in XXXX PA in XXXX of XXXX  in which I received no medical service whatsoever and was only given a questionnaire to fill out and told to return in 2 weeks. Upon return for the second appointment, I was asked for {$250.00} CASH payment up front, despite being insured, which I refused to pay and cancelled the appointment. I was not informed until the day I showed up about this request for CASH up front. Several weeks later, I received a bill for {$140.00} for the appointment in which no service was provided and I was only given a questionnaire and sent on my way. I believe this was done out of spite because I refused to pay the {$250.00} surprise cash payment, and I believe this business is guilty of shady nefarious business practices. They didnt mention anything about {$140.00} to hand me a questionnaire until I refused to give them {$250.00} in cash on the spot. In addition, I was fully insured by XXXX at the time and no attempt was made to rectify this with the insurance company on part of the doctors office. I recently started being contacted by I.C. System Inc. debt collections out of XXXX XXXX Minnesota. I called and asked them to please never contact me again and they refused, saying that they would continue to contact me over this supposed debt despite my federal rights.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXX XXXXXX/XX/XXXXAccount number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX  missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX  XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and XXXX on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX  called me. We then called XXXX  XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T ) 23826****, 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 instruction.
Product: Payday loan, title loan, or personal loan

I was approved at : XXXX : XXXX A person named " XXXX XXXX '' called me and we went over some details. I was approved ( per 2 emails she sent me from " XXXX '' ), she then asked for me to visit a site to do a 'bank verification '. Afterwards, I signed and agreed to a contract allowing me to pay off the {$500.00} loan whenevr I wanted ( so I could avoid as much interest as possible, I know what I am signing up for with this, but am in a bad spot ).

Afterwards she said she would call in 15 minutes with the bank transfer verification, but instead I received a 'Denied '' email.

I don't mind getting denied, but I already signed a contract and provided personal information about my bank and paystub.

A company like this should have their approval/denial up front, before sensitive information is shared.
Product: Debt collection

On XX/XX/XXXX I received my first bill From Pro Collect saying I owed XXXX. I received another bill on XX/XX/XXXX with a due bal. of XXXX. I started making payments, of XXXX a month regularly, Pro Collect continued to call harassing me saying I refused to pay my debt which is not true. On XX/XX/XXXX I received another statement saying I owed XXXX. I continued to pay the XXXX. I called them in XX/XX/XXXX and asked what the pay off was and was told XXXX which I paid on XX/XX/XXXX. On XX/XX/XXXX I faxed them the documentation that I had paid them in full. Today XX/XX/XXXX I received a call and letter say I still owe XXXX. I told them I have documentation that I have paid them in full and they say I still owe. When I requested a full accounting of all payment they said they don't do will not do that. I have money order receipts totaling XXXX paid to them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and National Credit Adjusters is incorrectly and incompletely reporting on my XXXX, XXXX and XXXX XXXX report. I have never received any Dunning letters from either company outlining any of my rights as far as disputing the debt as a CA resident. I have already disputed these accounts that are reporting incorrectly and have received no response from my letter dated XX/XX/XXXX and XX/XX/XXXX from either company and the accounts are still there. I request that XXXX XXXX XXXX XXXX  and National Credit Adjusters provide me with validation of the debt according the the FCRA. I am also requesting account level documentation proving that this accounts are mine and the method and procedure that you used to validate this alleged debt.
Product: Debt collection

Sequium Asset Solutions , LLC. has has sent multiple letters and emails demanding payment on a debt they claim is owed to XXXX XXXX XXXX XXXX in the amount of {$68.00}. I have responded to each and every letter/email requesting validation of the debt. After the fourth contact, they final sent a copy of an original XXXX XXXX XXXX bill for {$68.00}. However, the bill was for service from XX/XX/XXXX - XX/XX/2019. I closed my account with XXXX XXXX XXXX on XX/XX/2019. As such, the bill is inaccurate and includes amounts that I do not owe. Despite having failed to validate the debt after repeated demands for validation, I have received notice that multiple derogatory remarks were placed on my credit file with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I got a report of an account in collections on my credit report. This is a fraudulent account, as I have never owned the associated account or lived at the address associated with the account. I filed a dispute with all major credit reporting agencies ( Experian, XXXX, XXXX ). I also contacted the collections service on XX/XX/2023. They instructed me to file a police report, which I have done. The incident report number is XXXX and was filed on XX/XX/2023. My dispute was rejected by Experian and I was told the information was confirmed even though this is not correct. I also tried to get Experian to remove the account from my credit report and they refused
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Due to a loss of income last year ( $ XXXX/mo. ) I applied for a loan modification through our lender, Ocwen Loan Servicing XX/XX/XXXX. We were approved for a modification and made our first trial plan payment XX/XX/XXXX. We successfully made our 3 trial plan payments and continued to make payments to the mortgage company after the trial ended. We started calling them XX/XX/XXXX as we had not received our completed modification papers to make the modification permanent. We spoke to our relationship manager three to four times a month requesting our paperwork. We were always told that the paperwork was with the underwriter and we should have it " soon ''. We finally received our paperwork XX/XX/XXXX. We had the papers notarized on XX/XX/XXXX at the bank where I included a cashier 's check for the monthly payment as Ocwen had requested and mailed the papers that day. When I called in XX/XX/XXXX to make my house payment I was told that my loan modification was denied because they did n't receive the paperwork within the allotted time frame of 30 days. When the customer service representative looked into it further we were told that they had in fact received our paperwork on XX/XX/XXXX and that the modification was denied on XXXX XXXX. When we asked why they told us it was because the lender had that right. We called numerous time after that and we were told that it was being sent to a supervisor and that they would fix it. I tried to make a house payment in XX/XX/XXXX and they once again would not accept my payment due to the denial. On XX/XX/XXXX I received notification that my loan had been referred to a law firm for foreclosure. We never received anything from Ocwen stating that we were in foreclosure. When I spoke to yet a different customer service representative I was told to just fill out another request for modification. I did that and submitted a complete application XX/XX/XXXX which was later denied because we had submitted a XXXX application within a years ' time. In XX/XX/XXXX I was told by another representative to send an email to the escalations department asking them to look at the original denial. On XX/XX/XXXX we received notice that the denial was overturned and that they were approving our modification. I was able to talk to our relationship manager on XX/XX/XXXX who told me that he had to ask the research department to confirm that we had made all of our payments. About a week later we received documents in the mail showing payment history starting XX/XX/XXXX but none of the payments from XX/XX/XXXX. Ocwen is now telling us that we are in default again due to no payments being accepted by them since XX/XX/XXXX. As of this week our relationship manager is still unable to give us any information as to how we are to proceed from here. I would greatly appreciate any suggestions that you can offer at this point. We want to keep our house. Thank you.
Product: Student loan

I have been attempting to make payments since XXXX to pay my student loans. Each time that I make a payment, it is reversed the same day. When I called to ask what was going on, they couldn't tell me why payments were being reversed. They only suggested that I do over the phone payments ( still reversed those payments as well ) and try to resubmit payments. I also called my bank to make sure it wasn't an issue on their end, but they assured me that it was with the loan servicer.
Product: Debt collection

I had a collection on my credit report I paid in full XXXX  months ago and its still on my credit report I need it move before XXXX I paid XXXX dollars to XXXX in XX/XX/XXXX th account in full not collection agency contacting me saying I how to pay I got bAnk statements to prove I paid
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank employee added a mobile wallet to my phone, and I became a victim of bank fraud through unauthorized wire transfer totaling {$140000.00} which left my account and Wells Fargo Bank is not accepting any responsibility. Approximately XXXX XXXX was deposited into my checking account from the sale of my home and immediately Wells Fargo Bank placed my account fraud alert making it impossible for me to manage my account and my money.. I asked for a cashiers check and wanted to close my account because of constant declines with the XXXX XXXX, and numerous cards bank card problems. 
Ive been banking with Wells Fargo over 30 years and since XX/XX/XXXX it been a total nightmare, and Wells Fargo is complicit in the fraud which took my life savings and now they are saying I need to go outside the bank to try an retrieve my funds. Please help, Ive written complaints and gone to local, and federal law enforcement but so far no success.
Product: Debt collection

Hello, I received debt collection agency stated I owed XXXX XXXX XXXX XXXX, 2020. I checked the box on the debt collection letter to request verifying debt and date. sent with certified mail but returned said refusal pick up. Sent 2nd letter with certified mail as well. Now its appears negative report on my credit history. Did the Debt collection agency violate the law that I requested for verifying debt and details twice still no response as they simply went ahead report to the credit bureau. What shall I do? 


Regards, XX/XX/XXXX
Product: Debt collection

I am continuing my complaint with resurgent as they are relentless. After harassing myself, mother, brother, and grandmother in law over a debt I'd set up a payment contract with the originally creditor who cancelled it upon the 1st payment. 

They repeatedly ignored cease and desist notices calling to the point we changed numbers threatening legal action ... .even sending someone to my former residence and bypassing no trespassing signs. 

The lawsuit they continued sending all info the the wrong address. They failed to represent themselves and the case was denied. They continued sending collection notices to my current address but then refiled for the lawsuit sending the information to the wrong address which failed to notify me in time to receive proper representation. upon that the judge sided with them based on a sea of lies. He stated he'd stop them from contacting me. But the fact remains I do not owe this debt to them. The contract was cancelled by the original creditor. 

They have since then bombarded me with collection notices going back nearly 15 years. They keep coming despite repeated cease and desist notifications. They will not stop and I am in the processing of obtaining legal counsel to see what my legal recourse for this company is. Note the above fore mentioned debt has been removed from my credit report and the agencies sided with me that it was a cancelled contract,
Product: Debt collection

I used the Earnin app for advanced they they got paid. I also created NSF fees because of this when I spoke to someone in the chat, they kept insisting that it was a repayment for another transaction and my bank statement states it on there that it was for the XXXX and some change one and they re-took it out after over a month after they have already been paid.
Product: Debt collection

Received letter in mail by Unifin over a credit card balance that is XXXX XXXX XXXX. The old account that use to own this credit card, XXXX XXXX was not able to verify the debt or dates to see what interest or debt occurred while in the pandemic when the president forced creditors to stop collecting payments.. This debt occurred during the XXXX pandemic. Status of limitations has been reached with this credit card in the state of XXXX.
Product: Mortgage

I am a Veteran. I used my VA loan to purchase a property for {$360000.00} and my lender is Freedom Mortgage. My interest rate is XXXX % and my mortgage payment is {$2400.00} on a XXXX year fixed. I do not believe there is private mortgage insurance ( PMI ) on the VA loan as I do not see that information in my disclosures. I pay my homeowners insurance in full each year. I closed escrow XX/XX/year>. I have never missed or defaulted on my mortgage. 

Example on {$450000.00} property : a XXXX year mortgage at XXXX % the monthly is around {$2200.00} a month, XXXX year mortgage at XXXX % is around {$2100.00} a month, XXXX year mortgage at XXXX % is around {$2100.00} a month. With regard to payments, Escrow, taxes, or insurance, fees charged, and paying off my loan there needs to be an audit as I believe I have been over billed from XX/XX/year> to present. 

On a seperate note, since closing escrow, I have been subjected to severe housing discrimination by a group of dangerous outside agitators as well as the builder XXXX XXXX XXXX Homes- with housing developer XXXX XXXX XXXX XXXX There has been property vandalism to my vehicle and property, harassment, threats, remote hacking into my router, spying/stalking, criminal trespassing, death threats, noise disturbances, wiretapping my wi-fi appliances, mail theft, politically motivated exploitation, religious XXXX ( some are with XXXX ), sending me disturbing explicit mailings, homeowners insurance company and others carrying out actions without my authorization and rewarded with kickbacks, tampering with the foundation of the property, water and electrical systems, false imprisonment, harassment, defamation, invasion of privacy, negligence, breach of duty, abnormally dangerous activities, and other " fair game '' terrorism from the " close knit community '', local extremist good ole boys and corporations tied to the troublemakers. I have filed complaints regarding hate crimes, housing discrimination, privacy violations, unfair, deceptive acts, practices and corporate bullying to the lender several times as well as FTC, FCC, HUD, XXXX and other government officials and third parties e.g. XXXX also involved. The group is affiliated with organized crime and have been terrorizing me since I closed escrow. I received a letter from XXXX which sounded to me like conversion. When I responded to inquire if this had anything to do with mineral rights and/or fracking- I received no response. I also filed a complaint via the White House website. The housing developer XXXX XXXX XXXX has also been passive aggressive in his approach with my property. I provided a copy of the letter to the lender and asked them to inquire with XXXX as to what was going on and the lender told me they would get back to me in a few business days and never responded.
Product: Checking or savings account

I am a pastor of a local church here in XXXX florida. In the first XXXX weeks of XXXX, I celebrated my XXXX XXXXXXXX anniversary in which I received financial gifts from congregation, friends and churches, which came in the form of cash and checks. On XX/XX/XXXX I went to my bank, which is Truist, And deposit it cash and checks in the amount of {$6200.00}. After which, while remaining at the bank, I opened up a savings account which the banker transferred {$1100.00} from checking to savings. Also, she opened up a secured credit card in the amount of {$500.00} in which she transferred from the checking. Before leaving the bank, I realized I needed cash to pay my Tithe and I withdrew {$620.00}. On XX/XX/XXXX I woke up at XXXX AM to check my account and Saw a message on my mobile app saying that I must call the XXXX XXXX number to get details on why my account is closed. I never received a notice about fraud or closing of my account. After several attempts of calling speaking and visiting Truist bank. I still have no resolution and all of my bills are now behind. I just. 
Received a notice from XXXX XXXX. Which is my car lender saying that my car payment has been returned to the bank because my account is closed. 
Furthermore, I deposit my I church love offering that I receive every week. 
In the amount of XXXX.