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

I received a phone call from a woman I didn't know on a number I didn't recognize. She said she was with PNC and my credit card had been compromised. She said that if I verified my address she would send me a new card. I thought it was a scam. It sounded exactly like a scam. I told the woman I would call the bank in the morning. 

Turns out it wasn't a scam. It is difficult to imagine why an organization that is susceptible to phishing attacks would think it appropriate to make a telephone call like this. They should have simply said " don't be alarmed but we had to change the number of your credit card account. You'll receive a new card soon ... '' I appreciate that the bank is doing everything it can to prevent fraud but I'm sure everyone will agree that their telephone call was inappropriate and less than professional.
Product: Credit card or prepaid card

On XX/XX/2019, I got a EIN number from a website impersonating the IRS and paid {$240.00} with my discover card. Within 3 days I realized I had been scammed and I reported it to Discover card to dispute the transaction. Discovered failed to refund my money even though I was scammed and placed a prompt chargebacks on my credit card within 3 days. 

My name is XXXX XXXX XXXX
Product: Credit card or prepaid card

Im noticed on my Barclays credit card two charges from last XXXX popped up. They were both from XXXX. One was for XXXX  and the other XXXX So I disputed both items. I havent heard anything. No email sent to me or phone call or anything and its still on my account. When you call customer service sometimes act like they are not sure why and tell you to wait 45 days to see if anything changes. I shouldve XXXX given credit for these two items but no they are still on my account and nothing has been said to me about them even though they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

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

XXXX XXXX, Ocwen Loan Servicing LLC appears to fraudulently assign themselves the 2nd mortgage loan to themselves using their power of attorney using the person XXXX XXXX. The person working for Ocwen, XXXX XXXX, assigns Ocwen using their power of attorney. XXXXIf this is true, then Ocwen Loan Servicing LLC, " the servicer '', went against their fiduciary duties as their role as power of attorney. 2. I have the original mortgage note that shows Ocwen assigning themselves the note. Upon paying off the loan, I received the mortgage documents including the mortgage note that showed all the transfers. There are probably other violations regarding this mortgage but it would appear that this alleged act is the most grave. 
I have attached the mortgage note, the allonges and deed of trust which are all signed by one person XXXX XXXX. XXXX XXXX, an employee of Ocwen, assigned the mortgage to Ocwen before they sold it on the secondary market.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

1. Clients Personal Information : - Full Name - XXXX XXXX - ID NO. / Driver License - XXXX - Date of Birth - XX/XX/XXXX - Country - USA - Address - XXXX XXXX XXXX XXXX. XXXX, FL XXXX - Phone Number - XXXX - Email Address - XXXX XXXX. Information About the Fraud : - Fraudulent Entity ( ies ) Name ( s )- if any - Company name " Goway '' - Fraudulent Entity ( ies ) Domain ( s ), or simply : scam website- if any - gowayagents.com ( I will attached the screenshot in this email ) - Total Amount Lost and Currency - $ XXXX - Payment Method ( s ) ( Wire Transfer / Credit Card / Debit Card / ACH / XXXX ) - XXXX XXXX XXXXXXXX XXXX  ) - Credit/Debit Card ( s ) Type ( XXXX / XXXX / XXXX ) - Debit - Number of Transactions ( the transactions to the scammer or the scammer 's wallet, and NOT from a client 's bank to an intermediary ) - 17+ - Date of First Transaction - XX/XX/XXXXXXXX XXXX  Date of Last Transaction - XX/XX/XXXXXXXX XXXX Financial Institutions Involved - Wells Fargo ( I have withdraw money from XXXX and put it to Wells Fargo and also I have transfer money from XXXX XXXX XXXXXXXX to Wells Fargo as well ) =========XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX {$100.00} XXXX {$500.00} XXXX {$3600.00} XXXX {$7400.00} XXXX {$80.00} XXXX {$3200.00} XXXX {$2500.00} XXXX {$3000.00} XXXX {$1500.00} XXXX {$7300.00} XXXX {$3500.00} XXXX {$42.00} XXXX {$3500.00} XXXX {$1100.00} XXXX {$7400.00} XXXX {$3400.00} Total : {$48000.00} ================= XXXX transfer from XXXX to WellsFargo XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$11000.00} XXXX from XXXX to WellsFargo XXXX {$1500.00} XXXX {$600.00} XXXX {$250.00} Total : {$2300.00} =========================== Online Web Transfer from XXXX to WellsFargo XX/XX/XXXX {$2500.00} ========================== XXXX  to XXXX XXXX {$1000.00} XXXX {$54.00} XXXX {$150.00} XXXX : {$1200.00} ======================== Bank transfer XXXX XXXX XXXXXXXX cash credit card to WellsFargo XXXX {$10000.00} XXXX= Cash Withdraw from XXXX XXXX {$2500.00} XXXX {$9000.00} XXXX {$6000.00} XXXX {$4000.00} XXXX {$1000.00} XXXX {$8000.00} XXXX {$8000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$40000.00} ================================ Cash deposit to WellsFargo XXXX {$8100.00} XXXX {$1200.00} XXXX {$3900.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$150.00} XXXX {$900.00} XXXX {$100.00} XXXX {$8000.00} XXXX {$3900.00} XXXX {$3900.00} Total : {$36000.00} ============================ XXXX ATM XXXX {$5100.00} XXXX {$5500.00} XXXX {$520.00} XXXX {$520.00} Total : {$11000.00}
Product: Debt collection

I am being charged for a debt that belongs to my deceased spouse. Between XX/XX/XXXX to present XX/XX/XXXX, not sure about the current amount. The company attached this account to me without my knowledge
Product: Payday loan, title loan, or personal loan

I obtained a loan ( Loan # XXXX ) from Lendmark Financial Services using my XXXX XXXX XXXX XXXX vehicle as collateral on XX/XX/XXXX. A few years later, I was made aware by Lendmark that they have a Buy-Back program where I could purchase my vehicle title back from them ; all I had to do was make an offer by sending an email to : XXXX. Per their request I took the time to submit pictures, odometer readings, and buy-back offers. Once I submitted my first offer, I never heard back from Lendmark, so I decided to follow-up. When I called them, they told me that they don't respond to offers ( which is odd because they don't provide clear instructions on how the Buy-Back program works ) ; they said that I had to call them to find out if it was approved/declined. My first offer was denied. A few months later I submitted another offer. I called 1 week after submitting the offer and was told that it was denied once again. I then waited a few months to save more money to place an offer, I called one week later and was told that it was denied for the third time. Please note that Lendmark doesn't counteroffer, so I am left in the dark as to what they are willing to accept. Once I send the email, I have to wait a few days, call them, and get pushback - it's a game. They don't provide an amount that they are willing to negotiate. A couple of years ago I went through some medical issues and fell behind on my payments, but I am caught up and pay them every month. They don't send monthly statements, nor do they have a website where I can review my monthly balances. They leave you in the dark about your loan balance, payment confirmations, and the status of your Buy-Back loan offer. It's a very backwards system that doesn't benefit the customer. They take your payment, yet have no interest in communicating with their customers. Whenever I have been able to reach someone on the phone, they've advised me to continue making Buy-Back offers, but the person who decides whether they'll accept it or not, always rejects it and doesn't communicate with me on a Buy-Back amount that they will accept. I believe that their business practices are questionable and need to improve. Their customers should be their # 1 priority and should receive the courtesy of communication, whether it be via phone or email. Not letting the customer know what they are willing or not willing to accept as a Buy-Back offer, doesn't help me. Asking the customer to submit a Buy-Back offer via email, but not responding to the email, doesn't help me either. I've complied with their requirements, sent them pictures of the vehicle, odometer readings, and my buy-back offers, yet they continue to decline my offers. I would like to know what it will take for them to accept my offers. My original loan amount was {$6300.00}, and I have paid them over {$7200.00} between interest and principal. Why offer a Buy-Back program that they don't intend to honor? It makes no sense.
Product: Student loan

Mohela is my loan servicer, I applied for IDR plan on XX/XX/year> online. They should have processed my application within 30 days, its been over 120 days and they still havent processed it. They placed my account on forbearance today which means that the interest would keep accruing. Mohela hasnt reached out to me for any additional information. My friends who are with other servicers are already placed on IDR.
Product: Credit reporting or other personal consumer reports

My credit report is showing up with different information. Two accounts ( XXXX XXXX XXXX ) should have both fallen off my account but they are still showing up on one report but not the other. I need to know why they are still showing up and proof as to when they should be off my credit report. Also Why are they showing up on one report and not the other. See attached documents. One says no negative Information but the other two have negative information. 
XXXX is supposed to fall off XX/XX/XXXX  but it is showing up in my report XXXX was supposed to fall off XX/XX/XXXX but it is still showing up in one report.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> to XX/XX/year> i have sent certified mail to Equifax : disputing an Account on my Credit Report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX who's phone number is : XXXX, that says on my credit report the Account has been charged off with the following account number : XXXX XXXX, which doesn't have an account closed date, XXXX has XXXX XXXX XXXX XXXX with no address and no number on the report it also says the Account has been Charged off and closed on XX/XX/year>, Account number : XXXX xxxxxxxxxxx, And Finally on the XXXX XXXX Credit Report the Account status is : Unknown with a closed date of XX/XX/year> with no address and no number on file, Account number : XXXX xxxxxxxxx, this Company has not Shown proof this account belongs to me and has not furnished a Contract for over 1 year. I demand these accounts be removed immediately from the report i also have filed an ( FTC Report Number XXXX ) about this issue FTC Report Number XXXX Also on the XXXX XXXX Report : XXXX XXXX XXXX Account Status Unknown Account number : XXXX with no known address and no phone number and XXXX XXXX Account Status Unknown, Account Number : XXXX with no known Address and no phone number. 

FTC Report Number XXXX, I Demand All Credit Bureaus Remove these accounts from my Credit report immediately. according to the FCRA Act : Fair Credit Reporting Act Section : 605 B Fair Credit Reporting Act Section 609 E Fair Credit Reporting Act Section 611 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} TD XXXX XXXXXXXX XXXX XXXX : {$1600.00} XXXX XXXXXXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2018 I booked a trip ( 2 tickets myself and my wife ) from XXXX to XXXX XXXX. The " to '' XXXX XXXX flight was overbooked so my reservation was canceled. I contacted XXXX XXXX  on XX/XX/2018 ( they were the airline on my return XXXX XXXX to XXXX flight ) I informed them that my " to '' flight with another airline was canceled. They told me since I had booked the tickets and was cancelling them within 24 hrs that there would not be a problem with a refund. The 2 charges appeard on my credit card statement in the amount of XXXX for each ticket. ( 2 charges of XXXX ) I waiting until my statement closed and there was no refund issued. I filed an online dispute with my credit card Citibank XXXX Visa card. The Citi system only allowed me to dispute 1 of the XXXX charges. I called Citibank and they said there was a system issue and the dispute would apply to both XXXX charges. about a month went by and I was informed that the dispute was resolved in my favor. I received a permanent credit of XXXX. I called Citi bank and inquired as to why I only got 1 credit of XXXX instead of both XXXX charges. I was told there was no record of me disputing the other charge of XXXX so I did it with the rep over the phone for Citi. I was told there would be no issue since the first charge was ruled in my favor. A few more weeks went by and I was informed that the second charge of XXXX was ruled in favor of the airline. I called Citi for an explanation as to why 2 tickets for the same flight could be disputed and only 1 ruled for  me and the other the airline. I was told there was nothing they could do me. I asked again how 2 tickets for the same flight for the same family could be ruled in my favor and against me. I was not given an answer.
Product: Mortgage

I rescinded my application within 3days and cancelled the appraisal. There is no application fee chargeable for PA residents. I paid {$520.00} for an appraisal which did not occur. I have called the company and loan officer every day for 14 days and no one has called me back to discuss.I saw that mortgage companies must be able to provide information regarding the loan and that requests for information must be made available. Failure to contact me for two weeks is a failure on their part. Today I am sending a registered letter to the company President, contacting my two senators and onXXXX congressman, and contacting my attorney to proceed with action.
Product: Money transfer, virtual currency, or money service

my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for XXXX  days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

The company did not try to get my money back. I did not authorized the changes. I have a police report. They did not look into the matter. They lied to me. First they said I cant file a claim when charges are pending. Now on XXXX XXXX. They says the opposite. It too late if the changes went thur. Dont care if it was fraud. Your out of your money XXXX. 
Thanks for doing business.
Product: Debt collection

XXXX Applied for a renting lease on an XXXX property with XXXX XXXX XXXX and was notified that they needed proof I had paid off a debt from a collection at XXXX XXXX on XXXX  . Contacted XXXX XXXX and also checked XXXX XXXX which both directed me to Southern Management Systems. I called the first time and they said they did not have me on record. After checking XXXX XXXX and confirming the place that had the collection placed on me, I called again. The woman I spoke to told me that I was not on file. 

She refused to give me paperwork stating that I did not have an account with them owing money. She said they would not give me any letterhead with their company name stating I did not owe them money. She refused to connect me to a manager or another person in the building. Upon asking if they were registered in the state of Florida, she cut me off to say that she was " absolutely not going to give me that '' and that she would be disconnecting.
Product: Debt collection

I have received a letter in the mail on XX/XX/2023 and the document says it was sent XX/XX/2023. 

The letter claims I owe the amount of XXXX of medical debt from XXXX years ago. The company is attempting to collect the debt for XXXX XXXX XXXX XXXX in XXXX XXXX. The debt collector is Capio Partners LLC I believe I do not owe this debt as I always pay my bills on time and correctly. This notice does not say I can dispute the debt or anything about how to discuss correcting other than paying online or over the phone. 

I tried calling them on the number listed and it is just a robot answering service. The call dropped halfway through and then again when I called again. It was an automated answering service.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have been in deferment with Department of Education they have two accounts with balancing showing {$4400.00} and {$1200.00} showing past due when I had deferments on them both. One of my credit report show that I was only late one time with TransUnion for the {$4400.00} and the second on for {$1200.00}. XXXX and XXXX has me showing 6 late payments with this company. I have been in deferment and spoke to them about the hardship due to the pandemic and they stated that I wouldn't be affected on my credit.