23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sent an initial complaint ( detailed below ) on XX/XX/XXXX as I was directed when I phoned their offices. It was sent to XXXX. I received no response, so I sent a 2nd complaint using the form on XXXX 's site on XX/XX/XXXX. This likewise brought zero response - other than a form message saying, " All emails will be addressed in the order received. '' I sent XXXX separate money transfer requests to the account of XXXX XXXX. XXXX stole my money EACH TIME and never remitted any of the transfer requests to the inmate. They also never contacted me to make me aware of any problem with the transfers. They simple deposited all my money in their bank account and never communicated with me. 

XXXX 's inmate number was shown as XXXX. But he now shows as inactive in their system. Their site doesn't make clear when he became inactive, nor what it entails. I later found out from relatives that he is under the Maryland Department XXXX XXXX. 

I only became aware that XXXX never received any money when I logged on to send additional funds and found the comment that he was " Inactive '' - with no further explanation. '' In speaking to other family members about the " Inactive '' status, XXXX said he has NEVER received anything in his account from me. 

When I first tried to phone XXXX 's offices on XXXX XXXX, I was asked for the first XXXX digits and the last XXXX digits of my credit card and the employee came back to say she could find no deposits from that card number. That just does not compute at all. Something weird is going on. She told me I had to get my bank statements as proof the money came out of my account. 

This request boggles my mind since EVERY deposit I ever made to XXXX 's account is reflected right in my XXXX account online under my login. As to why I need credit statements to prove anything that's CLEARLY proven in XXXX 's file logs is beyond me. The employee, XXXX, said he could not see my payments in XXXX 's own system. That just does not make sense. How can I see the payments but they can't? It seems clear that fraud was the intention right from the start and even the lower level employees are in on the scam. 

I sent XXXX XXXX ( from my credit card statements ) that the transfer payments came out of the very card which they claim they had no record of. The transaction dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each transfer was for {$25.00}, plus I was charged fees in the amount of {$3.00} for each transfer. XXXX at XXXX said the bank Reference No was the only info needed for verification. My bank also said the Reference No. on the transactions should provide the verification needed to prove the transactions occurred. 

I requested that ConnectNetwork refund the transfers to me ( NOT the inmate ) so I can avoid filing claims in federal court. But I have nothing.
Product: Mortgage

Re : Specialized Loan Servicing - Loan # XXXX - Home Equity Line Statement The following is the 'second complaint ' in reference to Loan # XXXX serviced by Specialized Loan Servicing ( SLS ) located at XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, CO XXXX. PH : XXXX. 

Attached is a Home Equity Line Statement that I received on XX/XX/2019 from SLS. This is the first time I was informed by SLS of the following fees concerning the payment due date of XX/XX/2019. {$1000.00} for attorney fees and {$190.00} for a finance charge. These fees were never disclosed to me prior to receiving the Home Equity Line Statement from SLS and I don't feel that I should be subjected to those fees. 

I was approved for a loan modification ( see also financial summary ) on XX/XX/2019. My first payment in the amount of {$570.00} was debited by automatic check withdrawal ( ACH ) on XX/XX/2019. I thought all was going well until I received the attached Home Equity Line Statement on XX/XX/2019. 

This is an unjustifiable and deceptive means of doing business on behalf of SLS. Also attached is an email confirmation from SLS stating the monthly amount of {$570.00} to be debited from my checking account. NOTE : No mention of any other fees on the email confirmation. 

I would appreciate it if you would assist me to have SLS remove those never disclosed fees. My next payment is due XX/XX/2019.
Product: Mortgage

In XX/XX/2014, I discovered my mortgage principal debt was overstated originally by XXXX, while trying to sell my home. My mortgage servicer, Nationstar was notified, but refused to correct the over statement of principal, failed to refund me principal but interest Nationstar over collected on top of additional amounts of undisclosed increased interest caused by Natiosntar. 

Nationstar filed and unlitigated petition for foreclosure, to charge unearned fees. 

Nationstar accepted an over payment XX/XX/2014 and is currently refusing to apply the full payment leaving 9 outstanding unearned advance fees without payment applied, and refusing to refund a remaining amount of equity retained by Nationstar of {$2400.00}, to which is and has caused 3 years of inaccurate credit reporting that Nationstar refuses to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In various attempts to get a " Personal Statement '' added or updated on my Experian Credit Report, they have since removed the statement all together. 

I will attach an XXXX Experian Credit Report that does not show our last Personal Statement. And instead is showing something entirely different.
Product: Mortgage

We are selling a property and have been under contract for over two months with buyers who were using XXXX XXXX at SunTrust Mortgage in XXXX, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close yesterday and told we would be closing this morning and now the loan officer and all parties involved in the transaction have stopped responding to the buyers agent and we have had to rush to contact a different lender. This loan officer, as well as everyone else in the mortgage department, needs to be held accountable and both sides feel as though we have no recourse in this matter.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE COLLECTION ACCOUNTS IS NOT MINE.I HAVE NO KNOWLEDGE OF THESE ACCOUNTS 15 USC 1681b. 


CHARGE OFFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} THESE COMPANIES HASBEEN RAN AS A CHARGE OFF AND THE COMPANIES HAS REFUSED TO SEND ME THE CANCELLATION OF DEBT FORM 1099C.BECAUSE OF THAT THESE ACCOUNTARE INACCURATE AND NEEDS TO BE REMOVED 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Transunion on several occasions requesting verifiable proof and original documents of my authenticated signature, having also provided them with federal fraud affidavits and proof of on-going theft regarding my identity. The item in question is the result of a merger of a former spouse 's credit report with my own. I am not the owner or co-borrower on her home. The account # is XXXXxxxx ( XXXX XXXX XXXX ).  XXXX and XXXX have promptly removed the item and were required to share this information with Transunion ( violation of FCRA XXXX Section D ). Transunion removed the item on XX/XX/XXXX and re-reported it on XX/XX/XXXX in violation of FCRA XXXX. I have written to them XXXX times requesting the " verifiable proof '' that they claim to have utilized, knowing that even XXXX XXXX XXXX does not possess a document with my authentic signature. They have not provided me with any of the documents that I've requested, a violation of FCRA XXXX. I wrote to them again on XX/XX/XXXX and they obviously employed the use of E-Oscar to verify the debt by sending a response on XX/XX/XXXX. They are not taking this matter serious, having continuously and egregiously violated FCRA XXXX, XXXX and XXXX. I began writing to them on XX/XX/2018 in hopes of having this resolved. I am now prepared to file suit and will be writing to notify them of such if there is no resolution within 15 days.
Product: Credit card

The complaint has XXXX parts : 1. My reward program was frozen without any notice until i called american express. I was not be able to use any points when I needed. The loss need to be compensated. ( I have at least XXXX available points for use at that time even after point readjustment. ) 2. The sign-up bonus of my platinum card from american express was retracted some time later after program being frozen, although I got confirmed messages from XXXX representatives before - the points I earned will not be retracted. I did meet the requirement stated in the T & C - " spending XXXX within three month after opening the account ''. 
American express posted the sign-up bonus and froze the account silently after I met the spending requirement. Then after three months ( the time window for meeting the spending requirement ), they suddenly claimed that i did not meet the minimum spending and retracted the points. The reason they might give is that there was XXXX return which brings down the spending quantity. However, the return happened after the account was closed. It was legitimate and was not done deliberately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I transferred {$350.00} from my personal checking account to Google Pay. That transfer was successful. Afterwards, when I attempted to pay for a transaction using Google Pay, that transaction was declined. I received a message stating that there was an issue with my Google Pay account. Upon review, I was notified that the Google Pay had suspended my account. I contacted Google Pay via chat and was advised to contact XXXX. That phone number is not in service. After informing the representative of that, I was transferred to two additional representatives with the last one informing me that they are located in XXXX and unable to assist. Attached is a copy of the ineffective chat session to address this matter. I received an email from Google Pay support requesting that I upload my photo identification and my card ending in XXXX. I provided that information. After approximately four hours, I received another email stating that the photo of card ending in XXXX could not be confirmed. The photo uploaded was in fact a clear image of the card. Google Pay has accepted {$350.00} of money that belongs to me, however is withholding it.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this account with XXXX XXXXXXXX and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these. 

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase!

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}.
Product: Debt collection

These XXXX collections, all the reference number, just appeared on my credit reports. No notification, no letters. Just straight to my credit report by Merchants and Professional
Product: Mortgage

Applied for what we thought was financing for a loan, ended up being a loan officer who in fact does not work for or at a bank. He ran our credit and claimed he had numerous options for us and made an appointment for us to come see him, we were told to gather tons of financial paperwork that we would need. We went to see him on Tuesday XX/XX/XXXX and after he learned we were a family of XXXX and that my income was from XXXX, he suddenly had no options for us, told us XXXX people was " too many '' and that he couldnt help us. 

I'm not sure what family size or my XXXX  income should be deciding factors on getting a loan. Now since he has run my credit dropping my score down, I will now be required to wait months for my score to bounce back, before I can attempt to apply again.
Product: Student loan

I consolidated my XXXX loan into a Direct Consolidation Loan in XXXX of XXXX. I also applied for an Income Driven Repayment Plan on XX/XX/XXXX. Fedloan Servicing incorrectly processed my income driven repayment application. I was placed on REPAYE for a payment amount of {$110.00}. I was notified of the outcome of Fedloan servicing processing my income driven repayment on XX/XX/XXXX. I immediately notified Fedloan of their mistake and they acknowledged the error that Fedloan Servicing made with regard to my IDR Application and I was placed on the incorrect IDR plan for the incorrect amount for income driven repayments. After correcting the error, Fedloan Servicing, sent me a new IDR outcome letter dated XX/XX/XXXX, that was correct and did list the Income Based Repayment plan for a payment amount of {$86.00}. However, in the interim timeframe Fedloan Servicing processed and sent me on XX/XX/XXXX a " Repayment Obligation/Schedule Disclosure Statement '' form. This form listed that I would have to pay {$13000.00} over the entire life of my Direct Consolidation Loan. Of that amount, {$2400.00} would be interest that I would pay over the life of my Direct Consolidation Loan. Since this form was created by a mistake via an error that Fedloan Servicing has accepted responsibility for I have asked on numerous attempts to be sent a new and " correct '' version of the " Repayment Obligation/Schedule Disclosure Statement '' that will list my payment plan as IBR and the total amount and interest amount I will be required to pay over the lifetime of my Direct Consolidation Loan. As of XX/XX/XXXX Fedloan Servicing has not provided me an updated and correct version of the Repayment Obligation/Schedule Disclosure Statement form. I am very unhappy about this. When I applied for a mortgage, when I applied for a car loan I was provided a Federal Truth-in-Lending form that provided me very clearly and directly the amount I would be required to pay both in total terms and interest amount over the lifetime of my car loan and mortgage. Fedloan Servicing seems to believe that Student Loan Borrowers are not worthy of the same types of consumer protection and to be clearly and directly informed of their loan terms. At least Fedloan does not believe in providing correct information. Fedloan made a mistake, was informed of that mistake, but has yet to rectify the sitution by providing a CORRECT version of the Repayment Obligation/Schedule Disclosure Statement. That is what I am asking the CFPB to look into. Why does Fedloan Servicing not believe in providing clear, direct, and correct information to a borrower who has been wronged by Fedloan 's gross negligence and mistaken process.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my spouse ( XXXX XXXX ) asked me to send money to a friend via his mother ( XXXX XXXX XXXX ). I have a relationship with XXXX XXXX so I knew it should not have been a problem. XXXX minutes later I found out that XXXX XXXX CashApp was not active however, she has an active XXXX account. I immediately canceled the CashApp transfer ( {$110.00} ) and sent a {$100.00} transfer to her XXXX account. 

On XX/XX/year>, while on-line banking I noticed the CashApp transfer XXXX XXXX XXXX in the amount of {$110.00} and I reached out to CashApp. I respond was generated that statement the transaction was cancelled. I acknowledged that my original transfer was cancelled but the money was still paid effective date XX/XX/year>. 

I reached out to a human rep and she started an investigation and I also reached out to XXXX XXXX regarding the transfer. 

About a day before I got the response from XXXX I got an email from CashApp that the investigation was going to be closed because they didnt hear from me in a three-day period. 

I forwarded my documents showing that the transaction occurred but I have not received my money.
Product: Student loan

Thank you for your assistance in reverting my payment amount back to XXXX and extending my recertification period to XX/XX/year>. During the time between when I was able to get things put back right, President Biden extended the recertification deadline to XX/XX/year>XXXX  for those in my situation. Please also extend my recertification period deadline to XX/XX/year>. This will ensure a completely fair outcome on my account.
Product: Debt collection

I was notified via email on Thursday XXXX, XXXX from XXXX XXXX that I have been placed into collections for unpaid rent at the XXXX @ XXXX XXXX XXXX in XXXX TX from XX/XX/XXXX. Only problem I have never lived there. When I called XXXX the representative told me to submit a claim and then contact the collection agency. I did both. Same day I spoke to XXXX different representatives from the collection agency XXXX XXXX XXXX XXXX located in XXXX, TN. XXXX of the reps informed me that will be calling police to arrest me today if I do not pay the debt and dropped my call. XXXX other reps told me to XXXXXXXX XXXX  including their manager and that I should XXXX XXXX. The last representative was very helpful XXXX was her name. She looked into the debt and she was able to confirm that I never lived as I lived in another city at that time, and that the apartment complex filed it under as an individual not a company with various key missing information that was not making sense as it was all wrong information about me. She explained the company per their business practices will never release information to anyone who requests it unless they pay, I cited TX law saying the debt owner must live in the state to legally enforce the debt. I had to pay $ XXXX to receive the information I need to know why this was placed on me. The representative explained that per their company policy they will release all information to me within XXXX. I never received my information, and I am still being harassed by their agents and the apartment complex too.
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 {$2500.00}, {$1300.00}, {$0.00}, {$1400.00}, {$0.00}, {$1800.00}, {$1300.00}, {$2700.00}, {$2600.00}, {$0.00}, {$22000.00}, {$0.00}, {$19000.00}, {$790.00}, {$30000.00}. 
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 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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$790.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.