23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I recieved a debt collection letter from the Law Offices of Robert A. Schuerger. On XX/XX/XXXX I responded to that letter by certified mail asking for validation of debt under the Fair Collections and Debt Act. I got no response. Starting in XXXX, XXXX my credit report through XXXX showed a collection notice reported by the Law Offices of Robert A. Schuerger. This detrimental action is against the Fair Collections and Debt Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus. I made a complaint to the CFPB on XX/XX/XXXX. Company responded on XX/XX/XXXX saying they would rememdy the situation by sending out debt verification and moving the account to disputed. Neither of these happened. Instead my XXXX  challenge was changed from disputed to verified. On XX/XX/XXXX, I received a letter from Schuerger. It contained a one sentence response of " Enclosed, is the information you requested regarding the account listed above. ". The documents contained inside were my letter and a copy of the certified mail receipt. There were no documents germane to the account and the supposed debt, nor was there any attempt to validate the debt.
Product: Mortgage

The servicer NationStar mortgage is not honoring the agreement of the national settlement. I received a modification as of XX/XX/XXXX having trying for several years on the basic modification. My loan originator was XXXX XXXX XXXX as of XX/XX/XXXX also my servicer. XXXX XXXX XXXX sold my mortgage to XXXX Bank which is not aware of the settlement offer agreement that I received. They also made NationStar the servicer as well which sent me a letter that they will honor the settlement agreement. This has not been honored to date.
Product: Debt collection

I spoke with a representative of Portfolio Recovery Associates last week and advised that I did not wish for them to continue contacting me on my cell phone. I have now received a call every day since requesting that phone communication ceases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this company for years. This account is to old to be still on my report. XXXX will not honor my wishes and remove this negative impact from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan that I had with XXXX back in XX/XX/XXXX went into default, but I went through loan rehabilitation and it was completed in XX/XX/XXXX. This particular loan has been closed since XX/XX/XXXX, but they have updated the account to show me having a late payment in XX/XX/XXXX. That is not even possible. I do not have an open account with them. Again, this account has been closed since XX/XX/XXXX!!! I tried to dispute this with XXXX, but they said the account has been updated and it still shows that late payment. I have not paid one single bill late since then so this is damaging my credit report and needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FAIR CREDIT REPORTING ACT..citiznpayloc acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

XXXX account was cancelled in XXXX, yet collection agency is trying to say the debt is from XXXX. They are falsely renewing the debt every couple of years. This has to be illegal and has caused undue hardship on my credit report.
Product: Vehicle loan or lease

I applied for a loan with upstart through XXXX XXXX advertisement on XXXX XXXX. This was a backed by XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. This advertisement is for people with credit challenges and pre qualify them for the amount to apply. I passed the pre qualification check and recommended amount was {$4600.00} which was to be used for bill consolidation. I provided all of the requested documents. After waiting and waiting, I phone upstart and they replied back telling me they could not verify information on the application. Everything on application is true and I phone many consumers and no one had called to verify anything about my accounts on application. When i asked what could not be verified, they replied on XX/XX/2021 stating they can not disclose any specific details about the inconsistencies as that is proprietary information. XXXX XXXX XXXX was the name attached to email. I notice the action was taken because of 2 major differences in credit scores in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and XXXX about the dispute not correcting the error and follow that up with another dispute. XXXX close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and XXXX refuses to fix it it is affecting my credit score to the point that I was denied a new card.
Product: Money transfer, virtual currency, or money service

I transferred my money to webull pay at XXXX and didnt use it at all, in XXXX I tried to take my money back. They refused and they dod restrict my account, I tried to ask them for waht they did this! Until now they not giving my the correct answer
Product: Mortgage

Started the refinance process in XX/XX/XXXX and have provided every single document they have asked for along the way. It is now over 8 months later and we are still having difficulty getting the loan done. 
The company even sent us documents and told us the loan would fund on XX/XX/XXXX and advised us not to make the normal payment that month because it was already contemplated within the new loan ... they failed to fund the loan and then charged us a late fee penalty on the original mortgage. We have called 3 times and were told each time it would be reversed ... they have not reversed it yet. The last time we called about it, we specifically asked if there was an agency that we could talk to for help because we believed that what they were doing was unfair and unethical ... they would not give us the name of anyone to help. 
None of this process has been normal and no one should be treated this way. If they didn't want to do the re-fi, they should've said so from the beginning instead of wasting months and costing us more money in late fees that go directly to them!
Product: Debt collection

I have been trying for months to get this company to close accounts they have with my name that is not mine. When I think these accounts have been closed a few months i get collection notice. This has been very very frustrating and time consuming. I received a notice today, 1 ) I called the collection agency on the notice Stoneleigh, I spoke with XXXX XXXX that said they had XXXX accounts in their system, XXXX for {$73.00} that have been CLOSED, XXXX for {$220.00} ( amount on the notice ) still opened. 
2 ) Then I called XXXX XXXX XXXX XXXX ( the company that placed the account with Stoneleigh ), spoke with XXXX XXXX ext XXXX. She claimed there were XXXX accounts in my name but she shows XXXX opened ; XXXX for {$530.00} and XXXX {$220.00}. I told her that these accounts should have been closed. she insisted they are still owed to XXXX XXXX. I asked her for XXXX XXXX number and she said that she does not have a number. She then gave me a number, when I asked her for the extension she said that she googled it and did not have an extension or contact person. This was the same number I called a few months ago which said that I did not owe them. I called the number after being transferred about 5x, being on the phone about 1 1/2 hours I hang up and called XXXX XXXX again. This time XXXX XXXX then claimed I had another account for {$1800.00}. When i told her this had been resolved and I had a letter from THEIR account showing this has been closed, she then transferred me to a XXXX XXXX ext XXXX. XXXX XXXX, then claimed I had XXXX accounts still OPENED, XXXX for {$1800.00} ( which I had the letter showing this has been closed ) XXXX for {$530.00}, XXXX for {$220.00} & XXXX for XXXX. I told her that all these were closed and I need a letter to get these resolved. she claimed she did not have the letter from the attorney. I told her that I needed this resolved to please hold the line 2 mins let me send her a fax so that I ensure they receive the fax, she said that she do not want to hold that i should call back to see if they receive the fax. I attached this letter to this complaint. This has been going on for over 7 years, everytime i think these are resolved years/months after I get collection notices. This is very BAD practice trying to collect debts that is not owed. They are very unprofessional and do not try to understand or hear what one is saying. See above how many times the stories changed, they are trying to collect money that is not owed and this is very BAD. This is taking alot of my time. This will also be reported to Georgia State Attorney & Federal trade commission. This is the 3rd complaints that I have filed for this same situation with this company XXXX XXXX XXXX XXXX XXXX. The previous Case number : XXXX & XXXX. I demand that your company permanently and forever closed this matter and confirm in writing that the above matter has been immediately terminated.
Product: Vehicle loan or lease

In XX/XX/XXXX, I was in the market for a used truck for my daughter. I went to XXXX 's XXXX  in XXXX XXXX, MD and wanted to purchase a XXXX XXXX XXXX. The blue book value of the vehicle was {$16000.00}. At the time, her nor I had alot of debt. My credit score was over XXXX and hers was as well due to her being a college student. I was told by the dealership that the vehicle would be {$22000.00}. However, the principal balance on the online account is showing as {$28000.00}. This would mean I was charged an additional {$12000.00} over what the value of the car was. Also, I was looking through my paperwork and noticed that I was never given a Bill of Sale for the vehicle. I reached out to the dealership and have not received a response after several attempts. 

I was fired from my employer XX/XX/XXXX and I fell behind on payments. I called XXXX XXXX and they told me there was nothing they could do to work with me. 

Currently I am on a payment arrangement where I have been paying {$450.00} bi weekly. As of XX/XX/XXXX, I have made the following payments : XX/XX/XXXX, XXXX {$370.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} The total I have paid since XX/XX/XXXX is {$4000.00} however, XXXX XXXX is still reporting on my Credit Report that my account is XXXX to XXXX  days late. How is it being reported as such when they put me on this payment arrangement. Now when I go on my account, its not showing the balance due.
Product: Credit card

I signed up for the delta airlines American express reserve card. One of the reasons I signed up for the card was because they had a bonus miles promotion. Spend {$6000.00} in 6 months and get XXXX miles on your delta account. When I got the card I was out of town and there was no option to send it to my current address. As soon as I was approved I called and told the customer service rep this and they said there was nothing they could do for me now but they gave me the temporary card numbers and said I could use those numbers until I was home. That sounded good to me. A day later I tried to order stuff online with those numbers and it was declined. The customer service rep said that purchase was not allowed for a temporary card but couldn't tell me what was allowed. 

Super frustrating to have a card that you have to use to get the bonus but can't actually use. They won't send me a new one at my current residence. Ridiculous. Will probably cancel this card after 1 year. Customer service seems terrible on a card that costs {$600.00} to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Product: Mortgage

I applied for a HELOC and was approved by Citizens. During the process they advertised a certain payment option. During the closing, on XX/XX/XXXX, the closing agent was not able to answer my questions to ensure that I was able to get the payment option originally advertised. Citizens never sent me a statement with my payment and due date so I was unaware of the issue until my first payment attempted to draft causing the payment to be returned. The payment advertised was approximately {$1100.00} but the first payment that tried to process on XX/XX/XXXX was about {$3600.00}. It was very misleading and they need to do a better job of being able to ensure that the options are properly selected during the closing process. I was clear the the closing agent was confused by some of my questions.
Product: Checking or savings account

The online company " Albert ''. I opened an account with them. I was unhappy with how they were taking money from my other checking account without warning of which days and undisclosed amounts so I tried to close the account. They will not let me close thier account. They are holding {$3.00} in an investment account of mine. They said I need to transfer that first. Ok fine no problem. Expect that it doesn't allow to transfer. Thier answer is sorry you have to... So I am being forced to keep this account open that I do not want. I have tried to deal with customer service. I'm just going to complain about this company every where I can now so maybe they will fix this. I want this account closed!
Product: Mortgage

We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA. 

Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees. 

XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly. 

I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees. 

We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process. 

Do NOT use STEARNS LENDING for your mortgage.
Product: Money transfer, virtual currency, or money service

The Consumer Financial Protection Bureau has jurisdiction over this matter because my claim pertains to a digital currency provider who has denied me access to my own funds. On or around XX/XX/XXXX I opened an account with XXXX to conduct lawful personal investment activities. On or around XX/XX/XXXX, my belongings and phone were stolen as evidenced by the police report. Due to the identity theft I have been unable to access my Coinbase account because my login access and passwords were associated with and stored on my phone that was stolen. I contacted coinbase by submitting an inquiry online, on or around XX/XX/XXXX, and to date, 90 days later they have still failed and refused to respond to my legitimate request. Coinbase is harming me by profiting off of the deprivation of access to my funds.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX, is preventing me from renting, and was dismissed with my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me as I found some strange accounts in my credit report yesterday. I do not know them and they are not mine. Its identity theft and therefore I filed a report. I just ask you to start the investigation and figure out how that possible. And of course delete them from my profile. Thank you and take care
Product: Money transfer, virtual currency, or money service

Several transfers were attempted to be made into my bank account with Truist from a XXXX account. These transfers were made between the XX/XX/XXXX and XX/XX/XXXX. After giving time for these transfers to clear ( about 2 weeks ) I still had not received any of these funds. I called Truist to see if there was a problem with my account, or if the money was taking longer than expected to clear. The representatives on the phone where extremely unhelpful, could not see any record of these transactions being sent and told me to contact the other bank. The other party that attempted the transfer has been in contact with their bank as well, XXXX claims they can not link my account number to my account and the money has been put on hold due to potential fraud. The account number and routing number I provided are accurate, there were no errors by either party in transcription, these are the correct numbers. XXXX also claimed there was nothing they could do and the other party was told to contact Truist. The funds have been removed from their account but not transfered to mine. Neither party was informed of this hold being put on the funds, no notice was given, and no help is being offered. As it currently stands the other party is attempting to get the money refunded so it can be sent through third party services ( XXXX XXXX XXXX. ) As a result of their ( XXXX ) inability to verify my account with Truist and the refund request these transactions are now being investigated as fraud by XXXX and a further hold has been placed on the funds. As far as I can tell I have done nothing wrong but I have been struggling financially for almost a month now due to bank error.
Product: Credit card or prepaid card

Costco solicited and accepted a credit card application in my name from my wife without my consent and without me even being present in the store. My wife does not even have the same last name as me, so even if it was legal to accept a credit application in one spouse 's name from the other spouse ( which it is not ), how would you even know we are married? That could have been any random person in your store with my information and yet your representative did not even hesitate to take the application. Costco is allowing ( perhaps encouraging? ) front line team members to accept fraudulent credit applications. Why would you ever accept an application from a person in a completely different person 's name? How can consumers trust that Costco is keeping their personal information safe when they do things like this?
Product: Debt collection

I have reached out to this company and sent validation letter regarding account # XXXX in the amount of {$490.00}. This amount is incorrect and should be investigated