23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a collection letter from Diversified Adjustments dated XX/XX/XXXX. I attempted to call them on every number listed on their collection letter and to no avail, never could reach a representative. I have called each business day since. To my best efforts yesterday the XXXX I called the collection firm 17 times and was transferred each time by the receptionist XXXX, but NEVER did get a rep or a supervisor to answer. Today I started calling at XXXX XXXX and again today I have called 32 times and again each time, the receptionist XXXX answered and transferred me to various different support staffs. Again, to no avail, no one answered. Not once, has anyone answered. I then have taken the steps to contact XXXX also known as XXXX. Trying to resolve a matter that is over 18 months old and XXXX is trying to collect money they are NOT owed. ALL ( XXXX  cell phones, an ipad and XXXX internet boosters ), equipment was returned back in XXXX of XXXX  when we switched our services to a different provider. We consistently get phone calls and collection letters for the same thing when this has already been resolved with XXXX aka XXXX as well as all payments were received by the collection agent XXXX.
Product: Debt collection

I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institute and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB findings indicate that Zelle has not Only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving XXXX vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

Today on XX/XX/2018 at XXXX XXXX, I received a call from XXXX. On phone was an agent named XXXX who didn't provide his last name but mentioned that he is calling from " Card Services '' and upon insisting to provide more details he used names Capital One and XXXX XXXX XXXX. 

The call started with a recorded message which had verbiage such as " this is your last and final call '' and " if I didn't take action ''. Before I have put my number on " Do not call '' Registry but despite that I keep receiving calls starting with area codes XXXX. 

When I asked XXXX to provide me for his office address, he asked me if I wanted to send my wife to him and then he started to talking in abusive language including using f ** and b**** words. 

I do not tolerate any such advertisements especially those involving abusive and insulting language. I asking CFBP to not only take actions against such abuse. These kind of abusive behavior has hurt my mental status when I am busy working at my desk. I can't stand such and am ready to take whatever legal actions needed to fight against such hostile advertising.
Product: Student loan

On XX/XX/year> I called to request a paid off in full letter and to receive a refund for a negative balance of - {$37.00} on my XXXX # XXXX, they said it takes 90 days to generate, I called back at the end of XXXX/Beginning of XXXX as that would be XXXX days and the lady on the phone this time said we see that this request was never even processed, we will get that processed right away and can take another XXXX days. I call back today XX/XX/year> to see if they have still processed that request and said its still processing. It should not take this long to get a paid in full letter or a refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1979. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XX/XX/XXXXXXXX under the account number XXXX. Another credit card opened at XXXX under the account number XXXX. Also loan accounts opened at XXXX XXXX XXXX under the account number XXXX, and XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge offs and hard inquires as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. My data was exposed in the Equifax data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.
Product: Student loan

I obtain a loan for {$3100.00} in XXXX for school. I had a 7.41 % interest rate. According to my records and the company records, I have paid {$6700.00} in principal and {$3300.00}, a total of {$10000.00}. I have paid for this loan twice. I spoke with customer service on XX/XX/XXXX According to customer service, the payback amount is XXXX for the life of the loan. I ask the representative to have an audit of the account, but she refuse to have an audit done.
Product: Money transfer, virtual currency, or money service

I have an account with Wells Fargo and have never had any issues, however, I was the victim of fraud recently. The company, when contacted, is refusing to help and purposely providing me with misinformation. On XX/XX/XXXX I finished using the gym for a few hours and picked up my bag with my phone in it- I noticed notifications from XXXX about recent account activity. I checked the activity and it showed a cancelled transaction from a XXXX XXXX for {$370.00}, and Completed transactions for the same amount from a XXXX XXXX ( {$370.00} ) and and additional {$100.00} for a total of {$470.00} money stolen. I do not know these people and have never heard these names in my life, and the money that was taken caused me great distress. I went on social media and noticed other people in the area reported that this individual ( XXXX XXXX ) has been hacking peoples accounts and to be on the lookout. Seeing this, I contacted my bank shortly after and they agreed to open a case. They said there is no need to file a police report and instructed they will call me within several business days. The next week ( XX/XX/XXXX ) I called back since I never received any updates as was promised. I spoke to a reporesentative and he stated the investigation was complete- they denied my claim due to them determining it was an authorized transaction which is not correct, I asked to appeal this under Regulation E as was advised by my employers legal advisors and they stated the following : Sorry, XXXX XXXX are not protected under Regulation E. I asked This was unauthorized. Are you saying fraudulent XXXX transactions are not protected even when unauthorized? And the representative stated, That is correct, sir. He said the only way to have this reopened is to write a formal letter and send it via post or fax it, but even then he does not believe this will be looked at. This attitude and the way this was handled is an infringement of our rights as consumers and makes us feel we have no protections when it comes to banks, they simply do not want to help. I am deeply frustrated and disappointed and would like your assistance with a resolution to this. They make this very difficult for an everyday person to manage and outright dissuade and misinform rather than escalating or looking into a case of fraud further. Please help.
Product: Credit reporting 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 RIGHT TO NAKE 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXXXXXX 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 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I would like to file a complaint about my current FHA approve lender, planet home lending,. AT THE BEGINING, I contacted planet home lending regarding this issue and they agreed it was wrong and stated that this is not something they do and they were going to look in to it and will resolve the issue, they have not get back to me and this is the only issue preventing me from closing my loan with XXXX XXXX funding. 
This is what happened, I initiated a refinance loan with Planet Home lending. iT WAS SUPPOSED TO BE AT THE BEGINNING AN STREAM LINE 30 YEAR NO PAPERWORK XXXX. they got back to me and said it was not possiblebecause interest rates were change. then they call me and said that a 15 year streamline was possible at XXXX no paperwork streamline.they repeated, They offered a stream line re-finance, they said there was no docs required, then they came back and and stated that I should take other programs like a XXXX loan at XXXX. Why would I do that if I have a XXXX loan at XXXX. They continue to call me to offer the multiple and the same deal. they call me to solicit my loan multiple times. they providedme documentation that I am attaching of a 15 year stream line. Later they said that they were iss informed that a 15 year streamline was not ever possible. The they offered other deals. At this point, I became worried about the way they did business and decided to contact a company that made me more comfortable. I called XXXX XXXX funding. Plane Home lending continues to call, I stated I already contacted a new loan company. I believe Planet home lending wrote derogatory remarks at the XXXX portal for the purpose of me having to call them and go with their offer or another of their offers. I called ultiple times and recorded most of the conversation over the phone. Every time theyover the period of 14 days they said that someone will call me back with in 30 min, that the manger was on a meeting, that the manger had left home and today after 14 days they sent me a letter form their attorney that they did not wrong and they declimke my loan because of execive delinquencies and insuficient income. wich is alie and they do this to cover their mistake/The only holding my loan is the derogatory marks Planet Home Lending placed at the XXXX portal. I would like to file a complaint of Crest line funding fraudulent loan practices.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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: Credit card

I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Payday loan, title loan, or personal loan

XXXX XXXX I called in to make a payment on the loan I waited 20 minutes the first time then someone hung up. I called back a XXXX answered the phone I told her I wanted to make a payment over the phone on my account she said for and then hung up the phone. The voice mail comes on and say I have to wait another 11-16 minutes. My payment is due today and this company is preventing me from making a payment.
Product: Credit reporting or other personal consumer reports

I had 2 -3 disputes over the months with XXXX Experian and XXXX for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I placed a charge on my capitol one credit card with XXXX vacations for my upcoming vacation. 
On XX/XX/XXXX XXXX charged a deposit of {$1000.00} ( XXXXXXXX XXXX ) On XX/XX/XXXX I charged the balance of {$4900.00} ( XXXX XXXX ) A total charge of {$5900.00} ( XXXX XXXX ) I then used {$1000.00} worth or rewards earned from capitol one toward my travel purchase. 
Then at a later date used {$340.00} dollars more of my capitol one rewards towards my travel purchase. 
Which in total adds up to {$1300.00} Of rewards credited towards my account. 
I then unfortunately had an accident and broke my XXXX and was told by my doctor not to travel. I called my XXXX XXXX and informed them that I had to cancel my trip. 
I then called my travel company and asked for a refund to my credit card and was told that based on my trip insurance they can only credit me towards future travel. 
I then proceeded to call capitol one to see if they can help me with this charge. 
I then was told by a capitol one representative to dispute the whole purchase of {$5900.00} and so I did. 
Capitol one then took {$5900.00} off my Credit card balance. 
capitol one then closed the dispute and proceeded to put the full amount of {$5900.00} back as a charge on my account. 
When adding this charge back to my account balance capitol one did not put back into my reward balance the {$1000.00} and {$340.00} worth of rewards I used towards this purchase. 
I then called and explained this to them and to try to rectify this they added XXXX rewards back to my reward balance which equals {$340.00} if use for travel purchases. 
Capitol one then placed a charge of {$340.00} because of the rewards that were put back into my rewards account, this was simply supposed to be a rewards credit and for some reason they Made it as though I bought those rewards. 
As for the other {$1000.00} worth of rewards nothing has been done yet. 
I called them and stated this problem and after speaking to numerous representatives and managers in which i listed just a few names and ID numbers below there was still no resolution. 
Shy ID # XXXX XXXX ID # XXXX XXXX ID # XXXX And XXXX ID # XXXX who promised me that she herself would call me back the next day at XXXX. Not only did she not call back at XXXX but its XXXX week later and I still have not heard from her or anyone at capitol one. This issue has been going on since the beginning of XX/XX/2021 till currant. 
My credit score has dropped XXXX points due to these disputes, Attempting to speak to anyone from capitol one regarding this matter is getting me no were and Im concerned that this matter will never be resolved and capitol one will continue putting more charges on my card while trying to correct this problem.Capitol one know owes me the amounts as follows : {$1000.00} {$340.00} {$340.00} Which is a total of {$1700.00}.
Product: Mortgage

I wanted to pay off my mortgage by XX/XX/18. Some of the payoff funds came from various XXXX XXXX Bill Pay payments. 

On XX/XX/18 I called PennyMac to find out what my payoff amount would be and I was given the amount and told I would need to send the final payment as a wire transfer. I made the wire transfer and assumed everything was fine. 

Unfortunately one of the XXXX XXXX Bill payments arrived on XX/XX/18 and they wouldn't take responsibility for any extra interest or MIP payments this caused. Although this seems to be in conflict with XXXX XXXXXXXX XXXX  Bill Pay Guarantee, I am not filing a complaint about it. 

My problem is that PennyMac says that my loan wasn't satisfied until XX/XX/18, an additional 8 days later, and sent me an escrow account overages check that is considerably less than it should be. When I asked for an accounting of my funds they said I needed to refer to their website loan account information. However, for the past month there has been so much confusion and misappropriation of my payments on their website that I do not trust their accounting. I imagine they expect me to just take them at their word that my refund is correct. I don't! 

I want a concise accounting of when they received my funds, what my funds were applied to and why they say my loan wasn't satisfied for an additional 8 days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account two months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following fraudulent items are needs to be removed : XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$700.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Bankruptcy  : Bankruptcy Reference Number XXXX ; XXXX XXXX Bankruptcy  : Bankruptcy Reference Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXXXXXX XXXX with experian, XXXX, and XXXX. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years
Product: Credit reporting, credit repair services, 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.