23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. 

I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.
Product: Credit reporting or other personal consumer reports

in XXXX of 2023 i made a lease payment to XXXX XXXX XXXX which was returned unpaid as i used the wrong stored account. XX/XX/XXXX decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after callingXX/XX/XXXX i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i callXX/XX/XXXX on XXXX XXXX 2023 as i get a notice of a 30 day past due from credit karma from XXXX XXXX XXXX i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls fromXX/XX/XXXX in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as XXXX XXXX XXXX not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.
Product: Mortgage

I began my loan process on or about XX/XX/20 with PNC financial. They have repeatedly lost paperwork or delayed the underwriting process. Loan went towards closing on XX/XX/20 with the loan processor. I have had my mortgage insurance certificate delayed due to errors on their end 3 times as my loan was to be closed 2 weeks ago with a closing date of XXXX per my XXXX contract. PNC has charged me multiple times over what was originally quoted without explanation. I was given a quote of {$9500.00} for closing costs that included all taxes and fees but duplicate charges I had previously paid. In bringing this to their attention they removed the fees but then added an additional {$2400.00} to bring my new total to {$10000.00} to close. I gave a 30 day notice at my current residence that expires in 2 weeks, have no alternative housing, unable to hire movers or plan the next phase of my move. I have reached out multiple times to the individuals and their supervisor and have received only vague responses that essentially kicked the can to the next person. They are still unable to provide me with a closing date as of the time of this complaint with my file being sent again to underwriting. They held my file for so long that I neared the expiration date for my paperwork that was originally submitted.
Product: Debt collection

To Whom it May Concern, For several months I have received monthly notices from North Shore Agency ( NSA ) stating they have multiple accounts, from several publishers, that have been placed in NSAs office for collections. To date, I have received three ( 3 ) letters with the same vendor names and different amounts due from several publishing companies.

I have sent three ( 3 ) certified letters to the NSA XXXX XXXX indicating that I have never ordered magazine publications from the vendors and will not pay for publications I did not order. NSA uses the same vendor names and submits new notices to me, once per month, with varying amounts due. I have requested that they remove me from their " mailing list '' for " multiple publishers that NSA claims I own a debt and they threaten to send to collections. I requested that NSA provide proof of my responsibility for signing up for these purchases ; which I know is false because I never placed any orders for publications. NSA does not reply to my certified letters even though I have specifically requested a formal response. NSA continues to send monthly notices with no justification. On XX/XX/2021, I notified NSA, via certified mail, that if their continued harassment did not cease that I intended to file and notice of complaint.

NSA presents them in a manner that you are able to contact them and resolve issues ; this is not the case. I have Goggled every possible phone number and address for NSA in order to contact them and have them stop sending me notices. The phone numbers I have tried to contact them at are not valid, they do not answer/disabled or they do not return calls ( NSA contact numbers : ( XXXX, XXXX, XXXX, XXXX ). NSAs website is inactive. NSAs customer service email XXXX does not respond when I send email. The mailing addresses NSA has on file are inconsistent with a directory search : the mailing address on your letter is : 1 ) NSA, North Shore Agency, XXXX XXXX XXXX, XXXX, PA XXXX and 2 ) NSA, North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NT XXXX. 

NSA has received and signed for all three certified letters I sent to them on XX/XX/2021, XX/XX/2021 and XX/XX/2021. NSA has received my letters but refuses to resolve this matter. I have sent notices to all publishers and I still receive invoices. NSA and the publishers appear to be working together to acquire funds for services/products not purchased by me then threaten to send notices to collections. 

I feel that NSA and the publishers are fraudently trying to collect money from people. I feel that this effort appears to be intentional means to try to lure people in to paying for a service/product that they did not order.

Could you please help me in getting NSA and the publisher to cease harassing me? Additonally, I need confirmation that NSA has not submitted a collection notice ; I have sterling credit and do not want to have my credit compromised. NSA and the publishers need to be held accountable for fraudulent activities. I can provide all documentation between NSA, certified letters, e-mail correspondence, etc. as requested.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX  when my information was stolen and sold to others. I have had numerous people attempt to live in apartments in my name and successfully do so. I then have to deal with the collectors and the consequences that falsely affect my credit, my time, and my sanity. This is despite having a police report and a drivers license, a social security card, etc to verify my actual identity and to confirm I have never lived in the apartments that I am repeatedly reported to have lived. 

My credit is tarnished due to your misinformation and unwilligness to expediently resolve this situation. You further the harm against me as a consumer when reporting this innacurate information while neglecting to protect me or follow the instructions under my account information. I will continue to exercise every legal avenue to the fullest extent to ensure you compensate me for the damages you continue to cause me. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX. I do not owe them anything. Your information is incorrect and this is the seventh time I have asked for remediation.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I became unemployed. At that time I called One Main/Spring Leaf, the local office ( XXXX & XXXX ) to inform them of the unemployed status. I explained to them I would not be able to make the monthly payment due to my current status. At that time I gave the local office my unemployment papers I asked them if I could get on a hardship program, have my monthly payments reduced, apply for a out-of-work program plan, or have my account put on hold until my change of status. With no prevail, I was not able to come to any common ground with the local office. They were no help and XXXX was very rude! I then asked for the Executive Office at One Main/Spring Leaf,  which I spoke to on many occasion going forward. The EO explained, in order to provide Any assistance they would have to run a Hard credit report, which I did not agree and could not understand the logic behind that process. Since then, the policy/process has changed and now they have to run a Soft credit report, per the EO, to provide Any assistance. Again, I did not agree and could not understand the logic behind That process. XXXX at the EO spoke with the Legal, and yet, they still could not provide a logical reason behind running ANY credit report on a consumer when Not offering any, and ( or ) more money, or issuing further credit. I explained them, yet again, I am Unemployed with no other income, and Such Status should override any credit report, regardless what is listed. Which does not matter when a person is Unemployed. As of to date ( XX/XX/XXXX ), One Main/Spring Leaf EO has not provided a logical explanation of why they choose to ruin a consumer 's credit by running unnecessary reports, which does not apply to MY current situation, or one thereof. One Main/Spring Leaf has since add multiple fees ( late charges etc. ) to my account which also Do Not Help my situation. Unfortunately, I have gotten No Where with either office, and have been Desperately been trying to communicate, discuss, and ( or ) resolve my serious issue since XX/XX/XXXX. Bottom line, One Main/Spring Leaf has no intentions on helping me or their consumer that faces unemployment situations. Their lending process is not conducive to special types of situations, and that information should be provided, prior to signing a contract or applying and receiving loans, to a consumer.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile
Product: Checking or savings account

I went to gas station to get gas my card kept saying declined I called bank of America and went to the bank all they said was they closed my account. They didn't give me a reason. I have XXXX dollars in it and a direct deposit check. They won't give my money I need my money I can't get gas to go to work or get food this is a big inconvenience and it's frustrating they closed my account for no reason!
Product: Money transfer, virtual currency, or money service

I attempted to purchase a dog from what I thought to be a reputable breeder. The website was XXXX XXXX XXXX  and I had arranged to purchase a dog on XX/XX/XXXX. I was told to use the Zelle app to transfer {$800.00} to the seller, and because I have purchased dogs before online and that Zelle was an app my bank, XXXX XXXX XXXX XXXX, used I was not aware of any potential problems. Once I used the app, the money transferred over from my checking account, and I learned that the seller was not actually a dog breeder and I was scammed. I discovered the scam within 4 hours of the transfer, and attempted to call the website and my bank to cancel the transaction. The website did not return calls and the bank said that Zelle transfers could not be undone. I was not provided with any notices or disclosures that helped me to understand that Zelle was not covered by any insurance like a regular debit card would have been. Zelle advised me that the transfer was voluntary, and so they were not responsible. My bank let me know the transaction was not secure, even though it was the only third party money transfer available on their secure mobile app. I am confused as to how Zelle can not stop or reverse charges that are transferred to another checking account if fraud is suspected ; I thought there should be a provision under Reg. E?
Product: Checking or savings account

On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my Chase checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to XXXX. That deposit was successful. On XX/XX/XXXX I  received an email from Chase stating that the deposit was successful. I immediately called Chase and told them when the app said the deposit was not successful I had deposited it to another bank. Chase said they would not complete the deposit. On XX/XX/XXXX I looked at my XXXX account and saw that the {$5000.00} deposit to XXXX had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my XXXX account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with XXXX ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said XXXX had paid the {$5000.00} to Chase. I began calls to Chase. They say XXXX put a hold on the check and did n't pay it and they claim that when they call XXXX their calls are n't returned. It 's been more than 5 weeks  and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of XXXX wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, found a credit card for XXXX XXXX issued by XXXX on my Experian credit report that I did not apply for or authorize. Clearly, there is identity theft. That card was issued in XX/XX/XXXX and closed by XXXX in XX/XX/XXXX. I submitted my complaint to XXXX in early XX/XX/XXXX, including a police report from the XXXX XXXX Police Department, to have the credit card removed from credit report. After numerous attempts with XXXX via mail, email, and phone to find out the status my complaint throughout XX/XX/XXXX and XX/XX/XXXX, I still don't know the status of my complaint at XXXX. I want that credit card removed from my credit report because it is lowering my credit score because whoever opened it was late on XXXX payments. I am never late on any of my credit cards in my 32 years of credit history. I want my credit score restored.
Product: Debt collection

Since 2018, I have the XXXX XXXX XXXX and XXXX service, I put an account in collection that I did not even know existed, I never received letters, or calls, about this account and I have fought with XXXX to have this removed from my credit, they They let me know that my information was exposed in black marketing and I showed them with documents that I had served with another company and they do not want to take away that debit that is not mine, they do not have any information on the address where this service was used charging {$370.00} dollars
Product: Credit reporting or other personal consumer reports

XXXX information of balance for XXXX 's is incorrect by there is no update by XXXX. 

I have attached letter from XXXX XXXX XXXX as {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all  information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a notification from XXXX that I had an updated address submitted to my account. When I checked my credit report, Chase had submitted their own address, XXXX XXXX XXXX, XXXX, AZ XXXX as a personal address for me. 

Upon calling multiple times on XX/XX/2021 for Chase to resolve this issue and find out how and why this happened, all I'm told is that the credit department that handles those things is not taking calls for at least 4 weeks. 

Having Chase 's business address reported as my personal information is a major issue they refuse to acknowledge or fix. I have filed a dispute with XXXX, however Chase has violated my privacy rights, in my opinion, and needs to be held accountable.
Product: Credit reporting or other personal consumer reports

Chase Banks keeps running my credit without my permission. Hard inquiries keep popping up
On my credit. The newest one was today.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries, as I lack any relevant information, and the company initiated them without my authorization.
Product: Mortgage

The complaint is against Seterus Inc, " debt collectors and servicers. '' As many as ten times we have sent in extra lump sum payments to be applied to mortgage principal, only. On every occasion Seterus applies the check to regular monthly payments. When we call in to correct the matter, we are kept on the phone as much as 45 costly minutes while they reluctantly handle the matter, and try to assert we did something wrong ( we always write a detailed letter with our check including all requested and relevant info on the check itself ).
Product: Student loan

Subject : Complaint Regarding Federal Student Loans and Misrepresentation by School Loan Information : Loan Type : Federal Direct Subsidized and Unsubsidized Loans Servicer : XXXX XXXX ( Phone : XXXX ) Outstanding Loan Balance : {$XXXX} ( Principal ) + {$XXXX} ( Interest ) Schools Attended : XXXX  XXXX XXXX  ( XXXX ) Program : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Effective Date : XX/XX/XXXX ) XXXX XXXX XXXX : XXXX  in XXXX XXXX Enrollment Status : XXXX  ( Effective Date : XX/XX/XXXX ) Details of the Complaint I am filing this complaint regarding federal student loans serviced by XXXX XXXX, which were disbursed while attending XXXX  XXXX XXXX  ( XXXX ). I believe these loans should be XXXX under the XXXX  XXXX XXXX XXXX XXXX to Repayment program due to the following issues : Program Misrepresentation : XXXX misrepresented the value of its Bachelors in Psychology program by implying that completing the degree would lead to clear employment opportunities in my field of study. Upon further investigation and experience, I discovered that the program did not provide the career preparation or support necessary to fulfill those promises. 
Disproportionate Financial Burden : Loans were disbursed for a program that I did not complete due to the misalignment between the programs cost and its real-world outcomes. My withdrawal from XXXX on XX/XX/XXXX, resulted in no tangible return on investment for the {$XXXX} loan balance now being reported. 
Inadequate Loan Counseling : During enrollment, I was not adequately informed of my financial aid options or advised on how to minimize borrowing. This lack of guidance has compounded my financial burden and left me in an untenable position of repayment without the anticipated career benefit. 

XXXX Challenges : My loans are currently in repayment status, with payments scheduled to begin on XX/XX/XXXX. Given the circumstances, I believe this debt is unjust and should be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two dismissed bankruptcies on my Experian report. I have disputed these bankruptcies for years. Finally Experian told me that I had to dispute them with XXXX, which I did. XXXX removed them. Experian still refuses to remove them, saying that XXXX is certifying that they are in their data base. XXXX is telling me that they are not certifying to Experian that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which Experian is ignoring. I want these items removed. It should not take years to have this corrected.
Product: Credit card or prepaid card

I PUT {$6500.00} USD ON A XXXX  DEBIT CARD THROUGH CRYPTO.COM. THE DEBIT CARD DIDN'T WORK SO THEY CANCELED IT AND ISSUED ME ANOTHER CARD. IN THE PROCESS THEY LOST MY {$6500.00} AFTER SEVERAL ATTEMPTS TO CONTACT THEM IN 30 DAYS, I CAN NOT GET A RESPONSE FROM THEM. I WAS GOING TO USE THIS MONEY FOR MY WEDDING AND CHILDREN. NOW I HAVE NOTHING FOR MY WEDDING AND CHILDREN AND WANT COMPENSATION PLUS MY MONEY AND STAKED REWARDS BACK. THIS COMPANY TOOK {$6500.00} USD FROM ME AND REFUSES TO FIX OR DISCUSS THE ISSUE.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX