23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I want to formally file a serious complaint against Beyond Finance for fraudulent, deceptive, and unethical business practices. This company misled me into a predatory debt settlement program by failing to disclose outrageous hidden fees, manipulating financial transactions, and exploiting consumers who are already in vulnerable financial situations. 

Details of My Complaint : XXXX. Lack of Full XXXX & XXXX Fees Beyond Finance never transparently disclosed their 25 % settlement fees on each debt settled. Had I known about this, I would have NEVER agreed to their program. 
The company only provided vague, misleading descriptions of the fees, failing to present them in a clear and prominent manner. 
Their online platform tricks consumers into accepting settlements without explicitly warning that a massive fee will be deducted. 
XXXX. Manipulative & Misleading Communication The representatives failed to properly explain the terms when I signed up. 
When I confronted them, they refused to provide call recordings that would prove I was misled. If they were acting in good faith, they would have no issue releasing these recordings. 
Instead of addressing my concerns, they pressured me to continue payments, even after I expressed my distress over their deceptive tactics. 
XXXX. Unethical XXXX Practices I received an invoice with XXXX full pages of feesnot just settlement fees but additional service fees, XXXX fees, and set-up fees. 
This company is bleeding consumers dry with excessive, undisclosed fees while pretending to help with debt relief. 
Their representatives gave XXXX accountability when I requested a refund and instead blamed me for not reading the fine print. 

Why This Must Be Investigated : Beyond Finance preys on financially struggling individuals by presenting themselves as a debt relief solution while secretly funneling XXXX XXXX XXXX in hidden fees out of their clients accounts. Their lack of transparency, misleading agreements, and refusal to provide call recordings demand a full investigation. 

I am requesting the following actions : An immediate investigation into Beyond Finances business practices. 
A demand for the release of all call recordings for affected customers. 
Full accountability for their deceptive tactics, including potential refunds for affected consumers. 

I am urging your agency to take action before more unsuspecting individuals fall victim to this deceptive and unethical company. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation process. I am more than willing to provide further documentation and evidence if necessary. 
I started with them on XX/XX/XXXX till XX/XX/XXXX The first couple of months they deducted XXXXXXXX XXXX then from XX/XX/XXXX Ive been paying XXXX monthly. Never was I notified of ALL the hidden fees and charges. Ive spent XXXX dollars in just fees!
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ACCOUNT RESOLUTION COR Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction.  According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Credit reporting or other personal consumer reports

I carry a GM MasterCard from Goldman Sachas Bank XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX without my contest their system enrolled me in paperless statement as a result of that I missed my payment twice ( XXXX & XXXX 2024 ) since I never received any paper statement, they reported me to all XXXX Credit Bureaus which made my XXXX XXXX XXXX XXXX XXXX to XXXX, I reached to them twice to ask them WHEN & HOW I asked for paperless statement, they replied that I agreed to it ( WHICH I NEVER DID ) but they failed to let me know when and how I did that if it is true also they sais that they emailed me ( I never check my email ) I always depend on the paper statement to pay off my Credit Card XXXX XXXX of this over a lousy {$35.00} even though I had excellent payment history with them and all my other credit cards, they also charged me {$29.00} late fee for their wrong doing I paid my account in full once I found out that I was late ( By Accident ) even the Credit XXXX told me they can reverse their negative action in you have in the past excellant payment history once again I NEVER ASKED FOR PAPERLESS STATEMENT their system did that and that is why they don't tell me when and how I did that
Product: Checking or savings account

Please help me I have been so humiliated by XXXX XXXX XXXXXXXX hey have XXXX  dollars of mine and refuse to give it to me i opened acct XX/XX/XXXX they closed it XX/XX/XXXX and I've gone every day per request of the risk management saying it was ok to get my money and 4 locations hsve told Me no and the new XXXX location sat me in room whee eveyone could sew forb2 hours questioning me where I got my money from which was the texas rent relief program and even though check cleared the bank manager said she could hold Mt money for 7 years but why I've proven my identity I've been nice and the check is good it cleared its from the government pleade let me have my money theyvsaid no you can wait for 6 weeks will mail it to you what ikk be XXXX  by then please help snd by the way this happen 2 locations the questions andxtresting me trash or criminal while customers watched and whispering I'm so humiliated
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, with incorrect amounts and dates being reported.
Product: Debt collection

I noticed on my credit report a collection notice from CREDENCE RESOURCE MANAGEMENT for a XXXX/XXXX XXXX XXXX charge that I did not recognize. I contacted Credence about this charge they said it was about a XXXX   account ending in XXXX, which to my knowledge was paid in full. I contacted XXXX  and found that the amount that credence resource management was claiming was already paid in full, and should not be reporting any owed debt. 

XXXX / XXXX  ACCT # XXXX paid in full with payment : CONF # : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, cash app failed to take timely, and efficient measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fraud transfer act. ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

on XX/XX/XXXXXXXX I spoke with a young man from AR Services attempting to collect a debt for a supposed payday loan originating in XXXX, Kansas. I informed him I haven't lived in XXXX since XXXX, and I never got a payday loan while living there. I asked how he couuld be attempting to collect an approximately {$4000.00} debt over XXXX XXXX XXXX. 

He told me that it had been re-issued and that I needed to take action to pay it. I informed him I have never received written notice of the debt. He told me it had been sent to my current address which he gave to me. Again, I told him I know nothing of the debt nor have I seen any paperwork. 

I told him, per regulations that they were no longer to contact me by phone and needed to send me a certified copy of the debt. He told me they were reporting it to the credit agencies and hung up on me without ever giving me his name. 

They have not sent me any paperwork, yet continue to attempt to contact me via phone every few days.
Product: Credit card

I've consistently made punctual payments on this account, avoiding any instances of overdue status. The reports of tardy payments on my accounts perplex me ; I'm uncertain about their origins. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I WAS IN A RELATIONSHIP WITH A PERSON AND WAS XXXX  AND MY HOME WAS BURGLARIES. THE TOOK MY SOCIAL SECURITY CARD, DRIVERS LICENSE, MY CELL PHONE AND MY COMPUTER AND APPLIED FOR THESE LENDERS WHICH CAUSED INNACURACIES ON MY CREDIT REPORT ( INQUIRIES ) ACCOUNTS SUCH AS SELF LENDERS AND CAIN WIENERXXXX XXXX. 
INACCURATE INQUIRIES 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 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 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 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 XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reviewed and contacted debt collector to get more information on why they are furnishing this debt on my credit report.
Product: Student loan

Been having problems with my loan company since XXXX. First it was Sallie Mae then Navient and Navient turned my Federal Loans to XXXX. I put myself through college as a single parent hoping to get a better job outside a factory. Graduated from XXXX XXXX University in XXXX with a Bachelors in XXXX XXXX ( online ) and University of the XXXX XXXX online ) with a Masters in XXXX XXXX XXXX XXXX. Over the years my loans became over {$100.00}, XXXX plus and dealing with Sallie Mae and Navient to find a perfect plan to fit my budget was never professional. They were rude multiple times and suggested forbearance a lot which effected my credit score several times plus interest throughout the years. Now I am XXXX going on XXXX these loans going on the third company my issues are am I ever going to see these loans paid off? Dealing with these companies through out the years ( sorry cant remember dates that well was in a bad car accident in XXXX ). I know its my responsibility to pay off my debit and own up to it. Just been dealing with customer service people that have been rude and professional which never understood my budget. I was a struggler all these years to work a lot of overtime to raise to children on my own without assistance and now that they are grown up adults. Would like to think about retirement in my future. Where I work is having problems getting parts shipped in overseas which is causing down time. All these lenders see what I make per hour instead of the financial difficulties I am dealing with! 
Tired of lenders not giving me correct answers. For example I called after XXXX XXXX to see what my payment will be. One answer was under {$200.00} and called the next day another agent quoted over {$200.00} because of my income. 
I turned in paystubs and W2S. Did everything right over the years and feel overwhelmed!

All I am asking for is to be heard, and pray in time companies that handle student loans work with people instead against. Show some compassion and dot the Ts and cross the XXXX instead of being rude and disrespectful. Navient is a company that did a lot of wrong by us and need to get honest people. Their jobs maybe stressful so is mine! 
May have put myself through college and have the debt behind it, I still treat people with the golden rule of life Treat people how you want to be treated! 
Still in a factory because of my age back then and now no one will hire me because I dont have experience. With this debt hanging over my head my future of the children with be burdened with if something happens to my life. Good luck to the future next generation of college graduates, and hopefully they can get professionalism with their lenders. 
Please take in consideration of discharging my loans in the Navient settlement or work with a payment I can afford instead of pushing me in payments I cant afford. 
Thank you for listening and hope for some professional solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Checking or savings account

About three months ago, I noticed that I was being charged double interest rates for purchases and advances! I went to the bank and met with a service clerk and he could not explain, so he called the bank main office and we were put on a conference call. The bank main office tried to explain it to me, however, it did not make sense. Hoping the problem would go away it continues the exist. This is an example of how the charges appear on each monthly statement! 
XX/XX/18 INTEREST CHARGE ON PURCHASES {$180.00} XX/XX/18 INTEREST CHARGE ON CASH ADVANCES {$110.00} Although I try to make my monthly payment every month, I will never be able to pay off this debt because it appears that the payment is going to interest only!
Product: Bank account or service

Citibank personal banker opened XXXX unauthorized credit accounts, XXXX for myself and XXXX for my wife.
Product: Mortgage

I applied for a mortgage refinance back in XXXX of 2020. To this day it has not been approved and is still pending. I provided all the documents that the bank has requested. a few months ago. No one has provided me with any feedback since XXXX. Every time I call they say that it is still pending and there are no updates. 
They tell me that the documents I provide are only good for 60 days. And after 60 days the documents expire. But they take a few months to review and it's a never ending cycle. I provide documents and by the time they review it they already expire.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Bank account or service

On XX/XX/2017, I deposited into my PNC checking account, via the PNC ATM at the XXXX XXXX XXXX, XXXX XXXX PA branch of PNC, a U.S. Treasury check made out to myself and my husband. This check was properly endorsed by both myself and my husband, and the address on the front of the check under our names matched the address of my checking account on record with PNC. I received a copy of my receipt with the deposit. 
Two days later, XX/XX/2017, I checked my PNC account online. It showed that the funds from the check had been deducted from my account and the check was listed as " Unpresentable. '' The representative at the branch office, with whom I just spoke, said " Unpresentable '' in this case meant that both myself and my husband had to present ourselves in person in order to deposit this check - and that the only checks she had seen this happen with were US Treasury checks! The check ( or the legal facsimile of it ) would by mailed back to me via USPS, untracked, adding additional days to the process of re-gaining access to it. 
PNC has issued no security alert, no email or website or statement warning, to its customers regarding its new " policy '' - indeed the PNC employee with whom I spoke did not know of a written version of this " policy. '' Despite having my phone # and email address ( and contacting me for all manner of other things ) PNC did not contact me about this action it took ( removing the funds after accepting the legally endorsed check ) - it is only because I happened to check my account online that I even knew what PNC had done. If PNC is going to have different rules for US Treasury check deposits it MUST PUBLISH THEM AND ALERT ITS CUSTOMERS.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written consent to furnish these accounts. 

XXXX XXXX XXXX Opened XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have been a victim of identity theft several times from XXXX to XXXX. I have had to dispute many credit card accounts and other services that were opened fraudulently in my name. In XXXX of XXXX I discovered an unauthorized Citi Bank credit card reporting on my credit report as CITICARD CBNA. I quickly filed a police report with the XXXX XXXX County Police and filed an official FTC ID Theft Report. I sent a notarized copy of all documentation to all three major credit bureaus XXXX, XXXX, and XXXX. I requested that the Citi credit card account be blocked or deleted from my credit files due to it being a result of identity theft. XXXX and XXXX both honored my request to have the Citi credit card account blocked from my credit report but XXXX refused to remove the same fraudulent account. XXXX claims to have verified the account but when I requested a method of verification, I received no response. This is a violation of FCRA 605 B.
Product: Checking or savings account

I opened a checking account with PNC bank with a bonus promotion of {$400.00} with meeting a direct deposit requirement of {$5000.00} or more within 60 days, which I did and got email confirmation from PNC bank that I met the direct deposit requirement but I am yet to get my {$400.00} bonus even after raising a complaint with PNC and no one from PNC cared to talk to me. Hence, I am raising this CFPB complaint to help me get my {$400.00} bonus. 

Thanks!