23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company continues to contact me repeatedly, I have blocked their number but they keep calling me from spoofed numbers from all over the XXXX so my blocking does nothing. It is a bot that is leaving me messages about a debt that I do not believe exists. I have requested information but I've never been able to speak to a real person, and there is no place on their website to get information about any debt I may owe. All the bot-voicemails say they sent me a letter but I have nothing. Additionally, I have checked my credit report and have found nothing that they could be calling about. 

Company : XXXX XXXX Website : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I attempted to bring my loan current through submitting a payment of {$12000.00} on the XX/XX/XXXX. The check cleared the attorney 's account on XX/XX/XXXX. I submitted a payment in mid XX/XX/XXXX that cleared my business account just the same. My house was sold on the court house steps in XX/XX/XXXX. Every time I call Suntrust they are researching the file or I can not get through. At no point did Suntrust call me to inform me nor my attorney that the amount I submitted was insufficient. Talking with the help line, they said they refunded the amount to me, but I have received a check nor have my attorney. I would like for the bank to overturn the foreclosure for wrongful decision.
Product: Mortgage

On XX/XX/XXXX, my Bankruptcy Plan was approved by the judge. However, have been making payments to servicer since XXXX. See case no. XXXX District of Florida XXXX. 

Although i have been making payments since XXXX and not in default, XXXX has not dismissed the foreclosure action in the state court for XXXX County,  Florida. Court Case No. XXXX. XXXX can not maintain the legal action when the debtor is making timely payments and the servicer is receiving payment and applying to the account on an monthly basis. The servicer must dismissed the legal action because the account is current prior to and after the approved Chapter XXXX plan, signed by judge. Again, XXXX CAN NOT MAINTAIN A LEGAL ACTION WHEN THE ACCOUNT IS BEING PAID IN A TIMELY MANNER AND NOT IN IMMINENT DEFAULT. GET IT?
Product: Checking or savings account

on XX/XX/XXXX i submitted a transfer from HSA Bank to XXXX XXXX XXXX. 
they said it would take 4-6 weeks. It still hasn't happened and they don't return calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what their reasons are when they're reporting me as late even though I'm never late so please look and review the documents that I've attached.
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 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 written to XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have been getting offers to refinance every couple month for the last 2-3 years and has been unsuccessful to unsubscribe from those. I get a run around between different teams who promise that would be the last time but in a couple month, I get a new offer. 

I want those offers to stop. 

Offer Reference number XXXX offer code XXXX
Product: Checking or savings account

M & T conversion from XXXXXXXX XXXX XXXX is a nightmare. 1 ) Could not use ATM cards sent by M & T bank with its passwords sent to me. 2 ) Could not withdraw cash from my account. 3 ) Bills to be paid via the back to my mortgage company did not appear for days. 4 ) when calling into M & T cutomer service, hold times were hours. 5 ) At the bank, lines were excessive and excessive and items reportedly corrected were not and I had go back 4 times. 6 ) Spent about 6 hours attempting to get resolution. 6 ) Staff was NOT trained properly and its " new " transition conversion system was obviously not user or conversion tested. Customer Service reps at M & T literally said, " I don't know ''.
Product: Debt collection

My wife was looking for a XXXX forgiveness program and was told to call Lexington Capital Holdings. She asked me to listen to the terms of the product the company was suggesting. When I talked with them and heard what they were trying to offer my wife I told them it sounded like a credit card and we were not interested in obtaining a credit card. The next day they texted me and said there is an application closing fee. I explained to them that I did not sign any contract or asked for an application, so I am not responsible for any fee. 

I talked with my attorney and he looked up Lexington Capital Holdings online and saw there were several complaints exactly like what I describe what happened to me. He advised me to contact CFPB and send Lexington Capital Holdings a dispute letter denying I owe them {$1000.00}.

Something needs to be done about Lexington Capital Holdings harassments and business practices. Their company should not be able to make anyone pay for something they did not ask for. They also created an application in my name with incorrect information and ILLEGALY signed my name. That is " IDENTITY THIEF '' and should be punishable by law.
Product: Debt collection

EOS CCA contacted me in reference to debt that I did not know I could contest and do not owe. I have asked them for verification of debt like a contract between parties or a wet signature they have not provided me, therefore they have vilolated my rights by accessing my report under flase pretense and misrepensentation. 

In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Vehicle loan or lease

I have a truck loan through credit acceptance. I got my loan XXXX of XXXX  I pay {$850.00} a month. I have currently paid over {$11000.00} in the past 14 months. My initial loan was {$33000.00} with putting {$5000.00} cash and my trade in for {$1000.00}. My total now is {$30000.00} after paying the monthly payment for over 14 months. When I look at my transaction history I have variable interest charges. For example one month was {$900.00} another month was {$120.00}. My contract says 22 % on the truck loan. Another example is I made a monthly payment of {$850.00} at the time my total was {$30000.00} after I made the payment my new total was {$30000.00}. I have asked for a copy of my contract and have not been contacted yet. I have documents showing these variable charges. Also, I believe the company that sold me the truck had incentives from this company. They were aware of my credit score and had a certain amount of trucks for me to pick from they let me test drive the truck I bought but then told me it was a mistake after I told them I wanted it. They wanted more money than was initially discussed. I feel like I was dooped into buying a truck they knew I would never be able to pay off as long as they got their incentive.
Product: Payday loan, title loan, or personal loan

I have a car loan with Wells Fargo XXXX XXXX for a XXXX XXXX. I sold the car on XX/XX/2018 to XXXX XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX claims to have paid the remaining balance of the car loan ( {$940.00} ) to Wells Fargo. Wells Fargo has called me relentlessly to pay the balance. I informed them that the car was sold to XXXX XXXX XXXX XXXX in XXXX. 

Wells Fargo continues to call me relentlessly. In the past 14 days I have been called 11 times, not including weekends. I inform them of the same information ( the car was sold ) every time they call. They have threatened repeatedly to damage my credit if payment is not made.
Product: Mortgage

Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX
Product: Checking or savings account

I attempted to use my card for dinner and it was declined, I attempted the next day and still the same thing. No message from the company was sent of the soon to be or existing issue. Once I contacted someone they then informed me of the issue with XXXX XXXX and they have nothing to do with the issue. There still ( after 1 week and 1 day ) have been any communication on what's happening or how I can access my money.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SUN TRUST BANK/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX & Manager, I Have no knowledge of this Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I DO NOT OWN THIS ACCOUNT I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX & XXXX of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section XXXX. Pay to the order of : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights to privacy. 

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I applied online to open a new Chase Bank checking account around XXXX XXXX XXXX and was denied per the message on their online portal. The bank did not send a denial letter with any information regarding their decision or the reporting agency they used to obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX  partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Account Name : XXXX XXXX  You are reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an individual or individuals used my identity -- at least my name, maybe more, but not my SSN -- to apply for a line of credit with XXXX, which is my mobile carrier. On XX/XX/XXXX, I discovered that this resulted in a hard inquiry being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX 's fraud department and informed them of this. I was told that it would be investigated. I also filed a police report. 

On XX/XX/XXXX, I filed an online dispute with XXXX. I filed, with great difficulty, a dispute by phone with XXXX. I attempted to file a dispute by phone with TransUnion, but was told that I needed to contact XXXX to get a letter stating that the charge was fraudulent. 

On XX/XX/XXXX, I called XXXX to follow up with my XXXX inquiry. I spoke with a supervisor in the fraud department. XXXX had no records of my XX/XX/XXXX inquiry, and it was clear that nothing had been done. The supervisor told me that she saw a hard inquiry from XX/XX/XXXX with my name but not my SSN. She told me that she could only provide a letter if it was my SSN. I reiterated that the inquiry was fraudulent, therefore nor my SSN, yet it still appeared on all three of my credit reports. She/XXXX refused to look into the matter any further or take any action to have the inquiry removed. 

Not only am I the victim of an identity theft, but I also feel that XXXX and/or the credit bureaus are not following the law. First, XXXX initiated a hard inquiry into my credit with a fake SSN or an SSN belonging to someone else. This inquiry should not have been possible, as they should not have been able to verify my identity since it was being used by someone else with someone else 's SSN. Second, XXXX refusing to provide a letter to the credit reporting agencies continues the perpetration of this fraud. Third, shouldn't the credit reporting agencies have some agency in this? 

I was the victim of a crime. I have followed all of the recommended steps. The police have refused to investigate, and the companies involved have refused to cooperate. I have no faith that anyone will ever be held accountable, but I don't think it's too much to ask that I not suffer the consequences of a lower credit score, higher interest rates, and less financial stability resulting from me being the victim of a crime.
Product: Student loan

I have copied and pasted the last message I sent them. In addition, I have called more than 4 times since the beginning of XXXX. Each time I have called, the wait time average is 3 hours. When I finally reach someone after hours, they either do not know how to help or have given me incorrect information. 

My latest message sent today, XX/XX/XXXX  : Hello, I requested that the involuntary forbearance that was put on my account be removed -- it is still there, and then it caused my IDR to be denied. I also requested the Graduated Extended Repayment Plan in XXXX, and that has not been processed. I also submitted a Death Certificate for the co-signer of some loans, and that is showing as " processed, '' but no adjustments have been made. 
Please : Remove Forbearance status Resubmit IDR Process Graduated Extended Repayment Plan request Process Death Certificate I have called numerous times, with 3-hour wait times, to explain this situation, but no one has been able to help me. I need some options. At this point, I am begging for help. I have a very serious life-threatening medical condition, and this process has been very stressful.
Product: Prepaid card

My problem is with XXXX XXXX. I woke up to an email and text message that XXXX XXXX took all of my XXXX  XXXX  money from ssi. We are left with nothing and I can not take care of him properly without this money. The date this happened was XX/XX/XXXX. XXXX XXXX  took almost all of my XXXX  money which was {$840.00} and also says CLOSED ACCOUNT on there which I DID NOT ask for or approve. I have been contacting all day XX/XX/year> and no response. I wait for about XXXX hours and then get hung up on and have to try to call again and start all over. I have XXXX XXXX I need to give to my XXXX  and he has XXXX left in his account. We need help IMMEDIATELY