23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contracted with Home Depot for a General generator and to upgrade my electrical box from XXXX amps to XXXX amps. During the performance of those services they damaged my home. I have been without hot water as a result for XXXX Weeks. Home Depot customer service either hangs up on me when I call or provides no assistance. Their contractor denied liability, their insurance company XXXX mimics XXXX false narrative and denies liability. XXXX, XXXX is attempting to extort m for additional money to fix the damage they caused. I tried disputing the charge on my Home Depot credit card for services not rendered and,, for reasons convenient to Home Depot and XXXX, I am unable to do so and am unable to speak with anyone. New Jersey has a serious problem regulating its contacts. My next contact will be to the media.
Product: Checking or savings account

There is always money deposited to cover funds that are withdrawn on the day it is paid. There are many branches nearby that are closed and it is inconvenient to make a deposit without a bank nearby so I have to drive far to head to a grocery store that has a TCF Bank ATM deposit machine. I deposit cash and it still says pending and I am being charged outrageous fees. 

XX/XX/19 {$37.00} XX/XX/19 {$74.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00}
Product: Debt collection

hello I had an insurance policy with XXXX paid my last bill XX/XX/XXXX called in advance to cancel before my payment in XXXX, they said they would process it and there was no current debt owed because I called before my payment date and now months later I got a letter from collections saying there's debt. my mom called to dispute after my payment date to confirm and now there saying at that time there was a payment but that's past my date when I called ahead of time. that same week I got insured through another company ass well
Product: Checking or savings account

Suspicious withdrawals were made from my checking account in XXXX. 
I have called immediately, and Citibank was prompt in refunding me the two charges of {$500.00} and {$240.00}, and locking the debit card and sending me a new one. 

However, just a month after when a similar thing happened where a charge of {$1100.00} was made at XXXX  store located in XXXX IL. You locked me out of account for several weeks and concluded that due to lack of evidence, I am liable for {$1100.00} that the thief stole. This does not make sense, because you are rewarding a criminal by legitimizing the fraudulent charge he made. Citibank has chosen to penalize a loyal customer for several years of Citi Costco card member instead of believing in my claim for my hard earned money. 

Here is some evidence you overlooked. 
On XX/XX/XXXX, I was staying at home. I can provide alibi for it by using XXXX XXXX Timeline which keeps track of my location in XXXX XXXX. There is not a reason for me to spend a DEBIT transaction at XXXX  in a different state from where I live. 

1. I have not used debit card since I've opened Citi checking account in XXXX. 
2. By checking my Costco Citi c.c. statements, you will see that I do not shop at XXXX  3. Nor have I made any purchase in XXXX 4. My address on the Citibank shows that I live in XXXX XXXX and most of my spending is at different Costco 's in XXXX XXXX area. 

Thank you for listening.
Product: Student loan

Nelnet transferred the entirety of my student loan portfolio to another federal loan servicer. They did not update my credit report to reflect that. As of today, XX/XX/year>, the loan continue to show open and the last status date was XXXX.
Product: Credit card

My XXXX XXXX XXXX was flying home from the airport in XXXX Minnesota. I thought she was checking her luggage so I paid to have it checked for the flight. Immediately after she said she didn't want it checked and was carrying it on as that's free. The service lady went in back and got the luggage and gave it back to her to carry on. Then the service lady couldn't figure out how to credit my card back so she told me to call an XXXX number and it would be fine. Well, the XXXX number refused to do anything about it so I disputed the charge with my card company Capital one. Capital one allowed the charge because the airport sent a copy of the initial charge going through. I explained all that happened to Capital one but this seems to be a trend lately. The card companies know charges are fraudulent but leave them owed to the customer because they don't accept the customers side of things. My mother and girlfriend both witnessed this happen and it should be on camera as they have cameras there at checkin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/2021 regarding and Account/Account number, and hard inquiries that should not be on my report because it is not mine. This is fraud and should be removed. I submitted a letter, along with an affidavit to them. I tracked my package and it was received, however they ignored my demand for removal, and did not send me any information. They violated several of my consumer rights under the FCRA XXXX.
Product: Debt collection

I have been receiving phone call from a debt collector stating that I owe on a account that I is paid and closed. according to my credit report and contact with the credit card company. they have refused to send me a copy of the debt they say I owe and when I ask for their info. they get hostile and hang up on me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX/ ACCOUNT # XXXX XXXXXXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX/ ACCOUNT # XXXX THIS IS MY 2nd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Mortgage

PennyMac Called on XX/XX/XXXX due to noticing due amount included late fee. Late fee was stated to be waived. Payment was made on XX/XX/XXXX which covered the difference fee per the calculation with the agent on the phone, {$190.00}. 

Called on XX/XX/XXXX : Waived late fee. Payment made on XX/XX/XXXX to be applied to upcoming months bill. Confirmation XXXX XXXXXXXX Called on XX/XX/XXXX : Waived late fee approved. Waiting for the payment that was made to be applied to upcoming month 's bill. Extension number : XXXX. XXXX. 

Called on XX/XX/XXXX then requested for supervisor : The payment on XX/XX/XXXX went towards principal instead of payment. Thats the reason it has been late. Looking into reversing the charge for it to go against monthly payment instead of principle. All late fees waived. {$73.00} was paid for payment on XX/XX/XXXX and XX/XX/XXXX to go towards monthly payment. Confirmation # XXXX Called on XX/XX/XXXX to follow up. The payment on XX/XX/XXXX was escalated for supervisor approval and was declined. Late fees were waived. Relayed the following payments that went towards principal reduction was not approved and the understanding was for it to go towards monthly payments. That was the only reason the XX/XX/XXXX and XX/XX/XXXX payments were made for it to be the total monthly payment of {$2100.00}. Will be calling on XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$73.00} Multiple phone calls from PennyMac providing updates from XX/XX/XXXX to middle of XX/XX/XXXX. The last phone call from PennyMac stated the concern was resolved and the amounts were moved to the monthly payment for next month. 

Called on XX/XX/XXXX to follow up. The amounts are still in principle and not applied towards monthly mortgage payment. It was requested for this concern to be resolved as it was stated it was. Requested for the recording of the phone calls. It was stated this is escalating to supervisor for supervisor to to call back on XX/XX/XXXX between XXXX to XXXX. 

In the monthly bill, there is a section titled " Important Messages : '' *Suspense : Any amount received less than a full payment will be applied to a suspense account for your mortgage. When enough is received to equal a full payment, a full payment will be applied to your mortgage.

PennyMac is not following their Important Messages statement on their monthly mortgage bill that is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information reporting on my Equifax credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Onemain Financial is scamming people through XXXX XXXX. XXXX XXXX is deceptive in indicating your odds of approval by using terms such as outstanding or excellent. This deceptive wording allows an individual to believe OneMain Financial will give them the funds they apply for. I believe that OneMain Financial has a financial agreement with XXXX XXXX. XXXX XXXX pushes OneMain Financial because of this fact. You mainly get denied for the amount. Also a hard inquiry is placed on your credit for XXXX years. This also hurts your credit making it harder to fix your credit.
Product: Student loan

The original loan was taken out by XXXX and then sold to Wells fargo. The loan was for {$20000.00}, with a co signer on it in XX/XX/2007. The co signer has since filed bankruptcy and passed away and Wells Fargo hasnt been willing to help lower payments. Every time i have called in the past year they state i am not eligible for any payment plans or programs they offer, no one ever tells me what the plans even are. The current Loan balance is {$26000.00}. A total of {$13000.00} has been paid towards this loan yet the balance is higher than the original disbursement amount. Wells fargo has been unwilling to help resolve this debt and i have called the creditor numerous times during hardship and they have refused to help with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased XXXX watch on line XX/XX/XXXX. XXXX XX/XX/XXXX according to XXXX required signature. Delivery date I was not home. Contacted XXXX because it seemed long from ordering and not delivered. CS told me watch was delivered and " signed '' for ( COVID new policy no signature ask name of person and driver types it in ) - Ended up opening numerous disputes- contacted sheriff made police report- and contact made with detective. Detective concluded problem was with delivery person XXXX. Description of person did not fit me- Detective XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX error with delivery driver. 
XXXX reported me to three major credit agencies and shows I did not pay for past months even with OPEN disputes- I was told until disputes are concluded I would not be sent to credit bureaus. Not true. I contacted three agencies explained situation and opened investigations. 
XXXX continues to refuse to credit account or send another item. 
I have pleas out on Next-door App- asking if someone received watch in error. No responses. I again posted watch missing- and my credit is now effected. I made a plea if someone reading the post has the watch of knows who has it to please return without questions. 
I checked my mail yesterday and a box and mail was inside my mailbox. Box had no label. I opened it and found the watch. LOOKS brand new- inserts were in the box validating the brand etc. I tried to contact XXXX from XXXX dispute in credit department who left me a message XX/XX/XXXX asking me to call her back at XXXX. I called back then, called again two more times and called the 800 number associated with her department requesting her to return my call. ( XXXX ). I was told XXXX was in a meeting but would call me back when done- it has been WEEKS no call. I looked up my XXXX  reports and found blemished reports from XXXX although I accepted each call from their collection department and each time they looked up my account and said no reports would be made until AFTER disputes completed. 
The detective stated I need to escalate the disputes because the problem is with the delivery person giving the watch to someone else or could have never given the item to anyone- we simply do not know. 
With another plea placed on the next-door app 2 days ago I begged the members if someone was the person who received the watch or knew who had it- please return to me with no questions asked. 
As I said a box was found in my mailbox- no label- inside the XXXX watch was found. I set up a return via XXXX and my husband took it to the USPS in XXXX. I SHOULD NOT OWE any money- no late fees nothing. They are getting the watch back after it has been missing over 7 months, I want my credit scores cleared. I am forwarding this report to each credit bureau since they have open investigations.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX was involved in a total loss accident. XXXX insurance paid out the claim of approximately {$4500.00} more than the value of the vehicle. On XX/XX/XXXX I called Capital One to inquire as to why I had not received salvaged title and the amount that was over and above what was owed on the car. The rep. I spoke to stated no payment had been received on the car. When I called XXXX to request they cancel the check and re-issue payment I was told that in fact the check had cleared their bank. 

This loan was additionally involved in a Chapter XXXX and the payment amount was not reported to the Trustee. That is bankruptcy fraud, as they will continue to receive payments on a debt that is not owed. 

Capital One Auto Finance has either misapplied a payment or is hiding funds.
Product: Debt collection

I have more then one law firm contacting me for the same credit card, i have ended by paying two law firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being XXXX XXXX ( XXXX ) The third law firm Kohn Law has taken me to court three times first court day of XX/XX/XXXX. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXX # XXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Kohn Law XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing in response to the recent permanent limitation placed on my PayPal account associated with the email address XXXX. 

I have always adhered strictly to the guidelines and regulations set by PayPal, and I believe that the action taken on my account might be the result of a misunderstanding or an error. Therefore, I am writing to formally request that this decision be reconsidered and my case be re-investigated. 

In the many years of utilizing your platform for my business transactions, I have always made a conscious effort to comply with the policies and terms of service as stipulated by PayPal. I am uncertain as to the specific reason why such a drastic measure was taken against my account. If possible, I would appreciate a comprehensive explanation of the particular policy or guideline that was purportedly violated, as I remain convinced that I have conducted my activities within the bounds of PayPal 's policy framework. 

In the spirit of fairness and mutual understanding, I humbly request that the recent decision to limit my account be re-evaluated. I am willing to cooperate fully with any investigations, provide further information, and take any corrective measures if required. I believe in the integrity of PayPal 's services and its commitment to providing a fair and reliable financial platform to its users, and I am confident that this unfortunate situation can be satisfactorily resolved. 

I would be truly grateful if my appeal could be forwarded to the appropriate department for a thorough review. If there is any documentation or other information needed from my end to facilitate this process, please do not hesitate to ask. My primary goal is to rectify this situation and continue using PayPal 's services, as they have been instrumental to my personal and professional transactions over the years. 

I am looking forward to your favorable response and I am hopeful that we can restore the trust and reliability that have defined our relationship up until now. 

Thank you very much for your understanding and your prompt attention to this matter. 

Best Regards, [ XXXX XXXX ]
Product: Bank account or service

yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax and XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reviewed my experian credit report saw that XXXX XXXX is showing several late payments in XXXX and XXXX. Reviewed my XXXX credit report XXXX XXXX is showing no late payments 100 % payment history.
Product: Debt collection

I have attempted to contact multiple times that was paid to original creditor and should removed off my credit report. Original creditor submitted payment receipts, and I also through credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND COMENITY FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has sold my personal information to MIDLAND CREDIT MANAGEMENT , INC and they have sued me for an alleged debt they have no right to collect, now they are garnishing my wages. They are purposely injuring me the natural person. I had no credit transaction with MIDLAND CREDIT MANAGEMENT , INC
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the online tools available at ( https : //www.equifaxsecurity2017.comXXXX ), I 've been impacted by the recent Equifax security breach. As a relatively new user of credit, this has the potential to disrupt my attempt to establish good credit in a pretty bad way. I refused to waive my right to a class-action suit, and intend to follow through as thoroughly as possible with any legal recourse available to the 1/3 to 1/2 of the country that has been affected by this. 

I have placed a 90 day fraud alert on my account, and will likely have to do this far into the future, because a company that is supposed to be 'worthy ' of credit could n't keep their XXXX together.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the Listed Account. 
XXXX OF XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to remove all Inaccurate address from my Experian Credit report, and put the Correct address that i live at. Due to the FCRA i only should have one address on my credit report. The previous address thats on my credit report i dont not reside at them addresses and ive sent to letters experian XX/XX/XXXX, XX/XX/XXXX they received both letters about updating my new address and send them a my license and tax documents confirming my updated address but they wont take off the Innaccute addresses