23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Corporation and LVNV Funding LLC have threatened and harassed me multiple times regarding a debt they state that I owe for XXXX XXXX which I do not. At NO POINT have I ever had an account with RESURGENT OR LVNV but they have placed THREE NEGATIVE ACCOUNTS ON MY XXXX, XXXX and XXXX credit reports causing significant damage to my credit score and effecting my personal life. I have been harrassed and this experience has caused XXXX XXXX  to the point that I have been forced to take XXXX XXXX as well as I am now seeking legal help for the harassment from them. I have requested multiple documented times to receive official signed original copies of ALL contracts stating I agreed to pay the debts they are stating I owe as well as proof that they are licensed to collect debts in the state of Michigan and to no avail I have received no authentic original signed proof on there end that I owe any debt. My next step is to file a suit with 36th district court.
Product: Checking or savings account

This is about the Capital One fraudulent scheme on which you are already suing them. I had a savings account at CapOne since at least XXXX XXXX XXXX XXXXXX/XX/XXXX I discovered when I was doing my income tax that CapOne had paid me very little interest in XXXX and discovered that they had created a new type of savings account ( identical to the XXXX account but for new depositors only ) that paid much more interest ( about what other banks were paying all their customers on similar accounts ) and CapOne represented in advertising that their customers were getting the maximum rate available on the market. In fact they were paying on the money in my account a minimum rate of interest ( 0.30 % - while they were paying over 4 % new customers opening identical savings accounts ). I contacted them when I checked the rate on my account and noticed that they had created that different savings account that paid much more without informing me that their old customers were being paid a minimum rate of 0.30 %. 

I contacted the CapOne and was told that they had advertised their higher rate and that it was up to me to make sure I contacted them to get that much higher rate. I asked why was the much higher rate ( over 4 % ) was being paid to others and not paid to me who had had my account there for many years ( about 22 years ) and was told there was nothing they could do and that I needed to check the rate on my account constantly. Essentially, I was told that it was my responsibility to make sure they did not cheat me. 

They cheated me of possibly more than {$1500.00} in interest. I believe I was not paid the interest I was due from at least XX/XX/XXXX to part of XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX they started paying the higher rate when I contacted them. They did not even have to change the account number so it was clearly a fraud to represent to existing customers that they paid the highest rate in the market and attracting new customers. I could not believe CapOne would do that. I had always considered that organization one of honest people.
Product: Consumer Loan

The loan officer maintained control of the wireless mouse and told my husband and I he would walk us through the disclosures but he never passed us the mouse to give us control so that we could read through to click or check off to agree with or read the disclosures. We had every intention of completing the process but what if others do n't. Is this the norm?
Product: Money transfer, virtual currency, or money service

I have been a user at www.coinbase.com for over a year. They recently closed my account claiming I have violated their TOS, and are forcing me to withdraw my funds ( {$12000.00} USD ). I have repeatedly withdrawn from their site before using my linked bank-account. But this time, they will not process the withdrawal because of a system error. 

XX/XX/2018 : I e-mailed their customer support about this. They replied to my e-mail with a URL link that I should use to fix the issue - but the URL does not work. 

XX/XX/2018 : I told them the URL they provided does not work ; they referred me to a " specialist '' to " investigate '' the issue. 

[ four days pass with no reply ] XX/XX/2018 : I call their customer support phone hot-line, and they said they would send me an e-mail with a different URL link. After I hung up, I tried new URL link, but that also did not work. 

XX/XX/2018 : I call their customer support phone hot-line again, and they said they can see the issue had previously been raised and there is nothing they can do to speed it up. They refused to give me a timeframe of when it could be resolved. They said they are just support and have no information of the progress of the " investigative specialists '' that my issue was forwarded to a week ago. 

I have read that many people have had this issue since 1 year ago, and have waited 3+ months still with no reply. Then there are reports that CFPB complaints is the only thing that gets coinbase to rectify the issue in a timely manner.
Product: Credit card or prepaid card

I went in store at Victoria 's Secret in XX/XX/2021 to purchase product. They did not have anything in my size, so I ordered it online through the store.i never received the product. So I called XXXX  and complained. They gave the run around about it finally at the end of the conversation, they said the order was cancelled and nothing should show up on my XXXX  credit card. So I didn't worry about it until I purchased another item and it I went to pay the bill and noticed the charge of {$110.00} was still on my account. So I immediately called the XXXX  credit card company, disputed with them twice. So this took over a month. They said there was nothing they could do. Called XXXX back a few times, didn't get anywhere. But one lady I spoke with said call XXXX  customer relations. Finally i thought it was going to be fixed. They credited partial payment. So I called again and again, finally got told it was going to be fixed. But in the mean time I acrued late fees and interest charges. They said they would credit the late charges. But during that time, more charges acrued. So I called back, and the lady told me everything will be fixed. And during this time, nothing was fixed and more charges keep piling up on my account. Case # XXXX & XXXX Now I have $ XXXX in interest charges and late fees still acruing ony account for something I never received and was credit not returned to my account in a timely manner
Product: Credit reporting

I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the XXXX, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
Product: Mortgage

I have a mortgage with Wells Fargo for my property at   XXXX   XXXX   XXXX    XXXX ., PA  XXXX . The loan number is  XXXX  and was originated in  XX/XX/XXXX . It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.
<P/>
I have been paying consistently on this loan and expected that it would be satisfied in  XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX .
<P/>
At the time of the loan origination Wells Fargo had a contractual relationship with   XXXX   XXXX   to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same.
<P/>
I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage.
<P/>
I have issued complaints to both parties
. Wells Fargo does not acknowledge any ownership in this. They believe   XXXX   XXXX    is at fault.   XXXX   XXXX   does not respond to the complaints. Wells Fargo has since severed their contractual relationship with   XXXX   XXXX   which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/> I will continue to file complaints until one or both of these parties provide the information that I am entitled to.
<P/>   XXXX   XXXX   XXXX
Product: Debt collection

THIS COMPANY LVNV KEEPS CONTACTING ME EVERY MONTH IN AN ATTEMP TO COLLECT A DEBT..after telling LVNV Funding. i REFUSE TO PAY ... THE CONSUMER REPORTING AGENCY XXXX IS BEING CONTACTED BY LVNV FUNDING ON MY BEHALF ( using MISLEADING AND DECEPTIVE PRACTICEs -- FDCPA VIOLATION ) AFTER I HAVE DEMANDED LVNV FUNDING IN WRITING TO CEASE AND DESIST FROM CONTACTING ME ABOUT A DEBT AND CEASE AND DESIST FROM CONTACTING THE CONSUMER REPORTING AGENCY XXXX ON MY BEHALF TO REPORT FALSE MISLEADING INFORMATION ABOUT ME.. FDCPA FAIR DEBT COLLECTION PRACTICE ACT title 15 1692c Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by Covid 19 and as a result had a total of 4 payments late in XXXX XXXX and 1 late payment in XXXX of XXXX with Bank of America XXXX I was told at the time of asking for deferring the payments if it would still be reported and advised no. When it appeared on my credit report I called and asked that these be removed and was advised no. I have madw great strides in getting my balance down to below 20 % and would love to just get this behind me
Product: Mortgage

I fell behind on my loan back in XX/XX/2019 due to a messy separation. My income was reduced by half which caused me to default on the loan. My estranged spouse was occupying the property for over a year after we separated and she did not make any payments, which negatively affected my credit. I made several attempts to reinstate the loan but could not afford to do so, and did not qualify for a loan modification based on my income. I am now in the process of a divorce that is eating away at my income the longer that it goes on and I just want to resolve this matter in order to spare my credit as much as possible. The mortgage lender offered me the option of doing a short sale as recently as last month so I have submitted a complete application for a short sale over two weeks ago but the mortgage servicer refuses to review it due to the proximity of the auction date. I have submitted all the documents that they requested of me, as well as a purchase offer. I am trying to work with them to resolve my delinquency but they do not want to seem to help. When I was an XXXX XXXX service member and making plenty of money, I had no problem getting approved for a loan but now that I am struggling financially, I can not get the lender to even review my documents in order to help me out here. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to a year.
Product: Student loan

Good day! I just paid {$340.00} last XX/XX/XXXX for my first monthly payment. However, upon checking it today it didn't reflect on my principal balance even though my bank recognize my first payment. Confused and it feels like I paid for nothing.
Product: Debt collection

Medical Data Systems added a derogatory line on my personal credit. I did not authorize to release my medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times to dispute Fraudulent information oN my reports. XXXX and Experian has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transunion via certified mail on XX/XX/2018 in reference to incorrect, incomplete and inaccurate accounts being reported on my credit report. Per USPS, Transunion received this dispute on XX/XX/2018. In response to my dispute Transunion sent me nothing but a computer automated copy of my credit report. This response did not properly verify these disputes per the the Fair Credit Reporting Act, 15 U.S.C. 1681, but was also postmarked on XX/XX/2018 which exceeded the 30 days required. On XX/XX/2018 I sent a follow up dispute letter to Transunion explaining they did not properly verify any of the disputed accounts and also missed the 30 day response time. I requested they remove all of the disputed accounts which was required by law. Transunion received my follow-up dispute on XX/XX/2018. I included a copy of the original dispute letter along with copies of the USPS receipts showing the dates they received the disputes and a copy of their response which was postmarked past the 30 day cutoff period. In response to my follow-up dispute, postmarked on XX/XX/2018, Transunion again sent back nothing but another computer automated copy of a credit report with no changes and AGAIN missed the 30 day cut-off period required by law.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an incorrect reporting issue on my credit file for an account with XXXX XXXX XXXX. 

The comments on the account correctly state " PAID CHARGE OFF '', confirming that the balance has been fully satisfied. However, the payment status still reflects " Charge-Off, '' which is inaccurate and misleading. This inconsistency wrongfully suggests that the debt remains unresolved, negatively affecting my creditworthiness. 

Issues Found : Contradictory Reporting The " PAID CHARGE OFF '' status in the comments indicates that the account was paid in full, yet the payment status still incorrectly reflects " Charge-Off. '' Potential Violation of the Fair Credit Reporting Act ( FCRA ) Reporting an account as both " Paid '' and " Charge-Off '' simultaneously creates misleading information, which could be inaccurate and unfairly damaging to my credit file. 
Unjust Negative Impact The incorrect status could continue to harm my credit score, even though I fulfilled my financial obligation.
Product: Checking or savings account

Dear CFPB, I am writing to urgently address a pressing issue concerning my financial interactions with Albert. On XX/XX/2023, I downloaded the Albert App to receive a {$35.00} advance, agreeing to the associated {$4.00} processing fee. Since then, Albert has withdrawn a total of {$270.00} from my linked XXXX XXXX XXXXXXXX account, as detailed in the attached XXXX XXXX XXXX file. 

Despite my immediate actions to cancel my subscription and deactivate the " smart money '' feature on the Albert App, unauthorized transactions continue unabated. This has caused significant distress and financial uncertainty.

To compound matters, Albert refuses to unlink my XXXX XXXX XXXXXXXX account without linking another bank account, a step I am unwilling to take. Their justification for this refusal is the alleged " smart money '' deposit in process, despite my explicit choice to disable this feature and my attempts to terminate my account. 

Today, an unexpected deduction of {$170.00} was made from my XXXX XXXX XXXX account, with no corresponding record in the Albert App, intensifying my concern and frustration.

I want to emphasize my absolute refusal to engage with Albert and my firm decision not to activate the debit card they sent me. I am resolute in my request to sever all ties with Albert and any affiliated entities. Therefore, I formally demand the immediate cessation of all ongoing attempts by Albert to " save '' or " invest '' my funds. Specifically, I request the refund of the entire amount of {$270.00}, minus the initial {$35.00} advance and {$4.00} processing fee, to be promptly reimbursed and deposited back into my linked XXXX XXXXXXXX XXXX account. Additionally, I insist on the removal of my account from Albert 's database to prevent any future unauthorized charges.

I am entangled in a vexing cycle of unhelpful responses from Albert, and the situation remains unresolved. As evidence of the ongoing issues, I have provided a summary of recent transactions and charges below : XX/XX/2023 : {$8.00} ( processing ) XX/XX/2023 : {$170.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$7.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$5.00} XX/XX/2023 : {$10.00} XX/XX/2023 : {$33.00} XX/XX/2023 : {$11.00} Total Amount in Question : {$270.00} I urgently seek your assistance in resolving this matter and ensuring the swift reversal of these unauthorized transactions. Your prompt intervention is paramount in bringing an end to this distressing situation and Albert 's predatory lending practices. 

Your immediate attention to this matter is greatly appreciated. Attached, you will find documentation supporting my efforts to address this issue with Albert. 

Thank you for your swift assistance.
Product: Credit card

On XX/XX/year>, I was handed a " Citation '', from a stranger that came to my front door on XXXX different occasions. He appeared as late as XXXX on night. 
This citation is from Portfolio Recovery Assoc., LLC as I and am assuming it is on behalf of XXXX XXXX as they have FASLEY accused me of receiving and using a credit card I have never applied for nor received. 
To be clear, I have never applied for a credit card nor have I received not XXXX XXXX from this group of people. It appears to be fraudulent/scammish.
Product: Mortgage

As I 'm reading the news on the complaints against Navient, I realize I 've seen the same practices being carried out by Chase Mortgage against me. I 've filed several complaints in the past about this issue with no results. I will not explain in detail again, but the CFPB needs to be aware that other companies are using the same practices to make money. There are so many aspects of the service I received from Chase that I feel, no, know, were deceitful and unethical. However, the one I cant let go of is this : after a failed modification ( one I should have never been applying for in the first place because I had a USDA backed loan that was ineligible, but Chase still recommended and claims it was lack of training loan specialists properly that caused the oversight ) I paid Chase a large amount of money to bring my mortgage current. Chased applied these funds differently than what they were intended for causing my mortgage to be late once again by two payments. This meant more late fees and credit hits. Chase has a policy that they can only receive payments on a mortgage that is less than two payments behind. Meaning, either I paid the entire amount of the sum of two missed payments, or none at all. I did n't owe two missed payments as I had already paid, but they " lost '' the money. I did n't have that amount of money again! I only wanted to pay my current amount owed! It took them over 2 months to correct this issue. I could not make a payment during this time. That 's 4 missed payments and 4 credit hits, on top of the ones I had already accrued due to the bogus modification. This has ruined me financially. Fortunately I was able to sell the house in 2016, but my family and I are stuck renting in a bad neighborhood because renting anything better requires good credit. I live in fear in my own home because of break-ins, vandalism, and strangers walking the streets. My children ca n't play outside. My car sustains damage from reckless drivers because I have no room in my driveway. All because Chase is allowed to behave in this manner without checks and balances for said behavior. Please read this. And please do n't request Chase to investigate themselves again. They find themselves not at fault ... of course. They need to be held accountable! Just XXXX my complaint. There are thousands of us with the same complaints!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The banks sent the statements to the wrong address. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an old medical debt at XXXX XXXX XXXX in XXXX  XXXX, Kansas. They sent the debt to XXXX and XXXX. I paid it on XX/XX/XXXX. Just after XXXX, a new company called Ability Recover Services reported the same old hospital bill that I paid off as a new debt on my credit report. I disputed it with my credit reporting agencies and XXXX of them has already removed the collections from my report, but the other XXXX haven't. I've called them 3 times and can't get them to stop doing this. I just got off the phone with them AGAIN because at XXXX, I got an email that they'd put this debt back on my credit report after just getting it removed again. Now I've had enough! I don't owe this debt and I'm not about to give them money. I paid what I owe. This is illegal. They know I don't owe that debt and they keep coming after me trying to milk me out of money I don't owe. They know I'm trying to buy a house and they just destroyed any hope I have of doing that now. I want this company to get what's coming to them in the form of a fine. They shouldn't be doing this to people.
Product: Credit card or prepaid card

Was double charged foXXXX XXXX XXXX  by XXXX XXXX XXXX XXXX  on XX/XX/2022. XXXX charged was for {$490.00} by XXXX, actual charge was {$200.00} from XXXX XXXX. 

Have tried to dispute with credit card company and reaching out to third party with invoice from hotel directly.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.