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

I work for the Consumer Financial Protection Bureau and by law ca n't have my phone for privacy reasons so it is left at home. I got home and immediately scheduled my payment. It indicated it would not post until XX/XX/XXXX and was due XX/XX/XXXX. I was devastated. I immediately called and spoke with XXXX and he stated he could not process on the XX/XX/XXXX since it was after XXXX XXXX EST ( XXXX EST ). I asked to speak with a supervisor and he connected me with XXXX (? ). He told me he could n't accommodate me. I asked to speak with his supervisor and was advised I would be able to speak with her in 24-48 hours. I have been a card holder since XX/XX/XXXX and have never been late. My payments have either been early or on time. I advised I had the same issue with XXXX credit card and they were understanding and accommodating.
Product: Checking or savings account

{$16000.00} of fraud has been taken from our bank of america account. this money on the bank statements has a description of XXXX but the XXXX monthly reports do not reflect any of these transactions. the amount taken from our account is {$16000.00}. we rarely if ever use our atm cards, instead we use our credit cards. fraud has been committed starting with XX/XX/2019 and continuing up through XX/XX/2019, we are concerned because bank of america has closed the case and the case is now in reconsideration and the claim number is XXXX this money is needed to pay the irs on XX/XX/19 and we do not have it in our account to pay our taxes and other invoices. this appears to be an inside bank breach as both our our atms cards have been used so they had to have access to information for both of us. the fraud on the other card was {$40.00} and that has been returned to our account. we would now like the {$16000.00} worth of fraud to be returned. we have been asked to help the fraud department and have sent in letters and made phone calls. i've called on numerous occasions to ask the fraud department what they have done and nothing has been relayed to us about the efforts on the banks part of the investigation. our investigation is limited as we do not have access to the banks reports of breaches, insider leaks, or other irregular banking practices that happen with bank of america. we are confident that we have not given anyone use of our cards or used these card ourselves. this appears to be a bank breach and we would appreciate the {$160000.00} returned to our account. the bank has all the bank statements needed to make the determination. thank you.
Product: Debt collection

This agency has a legal responsibility to provide information to verify this debt so as is my right to be furnished, I demand all the original contract, terms and entire payment history as well as the proof of bond agreement and XXXX as well as a letter of assignment on this account from date of opening or it is not in compliance to FCRA XXXX XXXX XXXX XXXX and is to be deleted immediately According to the FDCPA, I have a legal right to cease and desist and I am exercising that right now which also calls for the account to be deleted from the reports as otherwise it is an attempt to collect on the debt and a violation of my legal rights. 
This account is also dated more that XXXX XXXX XXXX and therefore even being on my credit report at this point is a violation that I will be bringing to the attention of the proper authorities as well.
Product: Mortgage

First and foremost, I understand interests rates change daily and increasing all the time, estimates are only estimates, and nothing is finalized until I am under contract with my rate locked in. 

On XX/XX/XXXX, I applied for a mortgage through a lender. After I did so, I began receiving non-stop phone calls from multiple lenders that were notified that I applied. However, I did receive a phone call from my current loan holder PennyMac, leaving me a voice mail with a " competitive offer ''. 

On XXXX XXXX, I contacted PennyMac and they stated I would receive a 3.99 % loan if I pay $ XXXX {$120.00} in points. I asked for a loan estimate, and they sent me a closing worksheet. Here is where they start misleading. The initial Closing cost worksheet left off the " prepaid interest, taxes, and insurance '' as well as the " estimated escrow reserves ''. The estimated it would be {$2700.00}. Once I sent this off to a friend to get guidance, I re-contacted my Loan Officer that same day to update the information. He updated the prepaids, but only put in 1 month of escrow knowing that it has to be a full year. Now my closing cost is {$3600.00}. 

On XXXX XXXX, I went under contract with the house, and sent the contract to my loan officer. I also told him that the seller is only giving {$5000.00} towards closing, not the original {$6000.00}. I again asked for an official loan estimate, none given. 

On XXXX XXXX, I asked again for a loan estimate, none given. 

On XXXX XXXX, I asked for a loan estimate, none given. 

On XXXX XXXX, five calendar days, and the fourth business day, I finally received my loan estimate at XXXX XXXX on the last day I had to submit to the seller before I defaulted, I received the loan estimate. This estimate had an interest rate of 4.125 % with {$460.00} in points ( .028 % ). Again, he only included 1 month of escrow and prepaids ( which will substantially increase my closing costs ). He did not change the sellers paid closing costs to {$5000.00}, which will also increase my closing costs. I also asked for a 90-day rate lock, which was not included. Once I contacted him with my concerns, he sent me a picture of the current interest rates at 4.125 %. I am now at {$3700.00} in closing + the year of escrow + the extra {$1000.00} in closing costs = about {$7000.00}. 

On XXXX XXXX, I contacted PennyMac stating I am thinking about a buying a house, and inquiring about a new mortgage. I gave them the same terms, and they stated the interest rate would be 3.99 %. 

1 ) PennyMac is intentionally giving false mortgage rates, and not disclosing points. 

2 ) PennyMac is misleading the closing cost worksheet by leaving off items. 

3 ) PennyMac violated federal law by not sending me my Loan Estimate within 3 business days. 

4 ) PennyMac waited for the last possible moment to send my Loan Estimate, which could have caused me to default on the contract and lose the house. 

My loan officer was XXXX XXXX ( XXXX # XXXX )
Product: Credit reporting or other personal consumer reports

I have had my federal loan on auto, same bank account for ages. I never made any changes and the company stopped taking the payments out. I NEVER approved of this or changed anything. This needs to get removed off my credit IMMEDIATELY.
Product: Debt collection

Established contact via email with Franklin Service regarding an alleged medical debt I owed on XX/XX/XXXX with XXXX XXXX in the amount of {$250.00}. A proof/outline of the debt was requested and a printout was sent to verify I was in communication with the right company that matched the letter they sent. On the same day, I requested an itemization of the debt from XXXX in order to verify the debt was real. I followed up further with XXXX on XX/XX/XXXX as an itemization of the debt had still not been provided. XXXX then sent a response confirming that an itemized statement will be sent. 

After no contact or response providing the requested itemization of the debt from Franklin Service, I received a phone call on XX/XX/XXXX harassing me for the debt again. I then requested the same debt itemization breakdown over the phone and they confirmed they would work on sending it to me as I couldn't pay the debt without validation. 

As of XX/XX/XXXX I received a response from XXXX at Franklin Service stating that they are still working on getting an itemized statement. It has still not be provided to me. Per 1006.34 Notice for validation of debts, the five day window for providing me with this itemized debt information has now passed given that it is now XX/XX/XXXX. Please see attached email messages regarding communication.
Product: Debt collection

I'm receiving 5-7 emails, every 4-5 days. It has been 3 years. That is harassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. 

Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA. The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I sent this company a validation letter and they signed for it on XX/XX/19 although I didn't get the receipt for some odd reason, but the tacking # is XXXX about an alleged debt they claim I owe. What I received in return was a bill/statement. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate. They claim I owe XXXX but what shows on my credit report is {$900.00}. Now I am no credit expert but I do believe this kind of information needs to be completely accurate. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.
Product: Mortgage

I feel hopeless now knowing that I will most likely lose my property in XXXX since Wells Fargo can not stop the foreclosure scheduled in XX/XX/XXXX of this year. I have to work nights and days to keep up with my bills especially my mortgage. The last time I spoke to XXXX XXXX, Wells Fargo rep, they are still working on my case. Almost every week I am getting a letter postponing the resolution of the issue. I have a pile of correspondence with this bank. Yesterday I got a call from XXXX with no result except to call me today. I bet it is to tell me that they are working on the problem and they will get back to me in XXXX weeks, which is going to be the foreclosure date. 
Investors can not stop calling me. A month ago, Wells Fargo wanted my lawyer to help them out because obviously they can not solve the problem. The thing is I explained to Wells Fargo from the get go what was the problem. I am very specific but instead they keep on lying to me. They tried to play all sorts of tricks with me and right now who is the biggest loser? Me, the little guy like always. 
Wells Fargo makes things so difficult for customers even to leave a message for their reps it is a burden. They have XXXX digits for extensions. When you speak to these people they give you the impression that their bureaucracy is very intense. You will never be able to speak to the main person. NEVER! There is always a middle man. I do n't have anything against XXXX ; she may be a wonderful person. But she can not make any decision in this matter ; she just transmits someone else or a group of people words. Their lawyer suggested me to hire my private attorney when by having a mortgage with them, they suppose to defend. Guess what one of the investors told me Wells Fargo is the one whom filed a lawsuit against me in XX/XX/XXXX in order to register the deed. Their lawyer told me they had to do it because I was complaining about it. Right now I am desperate because in XXXX days that is the end of my property ownership because Wells Fargo is careless and negligent in conducting business with me. Noone in there wants to correct their mistakes. I also spoke to their attorney, whom refused to help me stating she is representing Wells Fargo and that I need to look for my own attorney. And I had to, in the name of XXXX. Now they do n't want to pay for the legal fees. It is unbelievable.
Product: Debt collection

Vance and Huffman LLC representatives repeatedly make calls to my phone despite my request for them to stop. They are reporting negatively on my credit report and I have informed them this debt does not belong to me. They often call early in the morning before XXXX XXXX. On XX/XX/2023 I called Vance and Huffman LLC to directly dispute the debt with the company however I was denied debt validation being told I had to pay for them to tell me any information they had regarding this debt which totals {$460.00}. I would like this company to provide by mail to the address they have on file debt validation and not verification that is competent evidence that I have some contractual obligation to pay them. Please include the name and address of the original creditor, the account number, the amount owed, age of debt along with a copy of the last billing statement from the original creditor, any information regarding interest or payments made since the last billing statement, the date the original creditor claims this debt became delinquent, whether this debt is in the statute of limitations and how that was determined.
Product: Debt collection

Professional Finance Co. fraudulently placed a collection on my credit reports.
Product: Checking or savings account

I had {$1400.00} in fraudulently wired from my chase account to another bank. I instantly contacted the bank. They very quickly credited back a {$500.00} transaction made by the same individual. However, even after escalating the issue I never was reimbursed my money. Even knowing that my information and the fact I even banked with Chase along with my cell phone number was stolen from Chase. Below is where I have submitted multiple claims with Chase. I have followed up with everyone and everything possible and still nothing. 

SentXX/XX/2023 XXXX XXXX FromXXXX XXXX SubjectRe : US Dollar Wire Transfers Inquiry XXXX, XXXX, XXXX DeleteReply Hello, Thank you for contacting XXXX XXXX XXXX. We received your request dated XX/XX/2023 for a wire transfer in the amount of {$1400.00} dated XX/XX/2023. We received your request for a follow-up for this { { wire transaction / reference number } } : XXXX. Here is the status of your request : - Your request to recall the wire was submitted on XX/XX/2023. - We have received a response from the receiving bank that : THIS HAS BEEN TURNED OV ER TO OUR CORPORATE SECURITY DEPART MENT. PLS CONTAC T THEM AT XXXX XXXX W/ QUESTIONS. WE NOW CLOSE CASE - As this recall is due to a fraud/scam, Kindly contact Customer Claims ( Disputes by Phone ) at XXXX Option XXXX to file a fraud claim. We hope this information is helpful. Please let us know if you have any additional questions. Thank you, XXXX XXXX XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : US Dollar Wire Transfers Inquiry XXXX, XXXX ATTACHMENTSIZE:XXXX Good morning, Can you please explain to me what their response means? Thank you, XXXX -- -- -ORIGINAL MESSAGE -- -- - We're writing regarding the wire transaction for Account XXXX, dated XX/XX/2023, in the amount of XXXXUSD. This transaction is identified under our Transaction Reference Number XXXX .We are processing the investigation for this wire under JPM Case ID XXXX. 

Please see response from the receiving bank on your recall request QUOTE THIS HAS BEEN TURNED OV ER TO OUR CORPORATE SECURITY DEPART MENT. PLS CONTAC T THEM AT XXXX XXXX W/ QUESTIONS. WE NOW CLOSE CASE Y R REF XXXX XXXX UNQUOTE XXXX XXXX XXXX If you have any additional questions or wish for an update on the status, please respond to this message or call the Treasury Services Solution Center at XXXX referencing our JPM Case ID. 

Representatives are available Monday through Friday, from XXXX XXXX until XXXX XXXX ( EST ). 


Thank you for banking with Chase. 

JPM Treasury Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 

My correct address is XXXX XXXX XXXX XXXX, IN XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I call TransUnion and asked the representative have they receive my information stating proof that the bankruptcy don't belong to me the company first Told No they did not have the letter from XXXX XXXX XXXX XXXX is the reporting agency that reported the information to TransUnion the company, TransUnion told me that it wasn't enough information to get them to remove the bankruptcy from my account I asked them to get an a little bit more details the representative told me that the CFBP told them to leave the bankruptcy on my profil and that it should not be removed because the bankruptcy belongs to my father. I sent all the information that was needed to TransUnion I'm also uploading documents showing you guys information that I report it to TransUnion They're violating my rights in so many ways first off by lien on other companies. And my constitutional rights I was also told that they can not verify any information on me. I sent a copy of my ID, Social Security card and address there's no way but when I called the Phone, they verify my information I'm confused, I'm asking the cfbp to help me get this removed from TransUnion and attorney general of Georgia
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I tried to unfreeze my credit report on both the Experian and XXXX  websites. I went through many, many hoops. For Experian, I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. XXXX  insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.
Product: Checking or savings account

I deposited a mobile check that had been signed over to me by the payee with whom I have XXXX of Attorney. The check cleared and funds were made available and then immediately my account was frozen. This was at the beginning of XX/XX/XXXX. I reached out to Sofi to verify my identity along with verifying the payees identity. We verified both. They spoke to the payee along with myself multiple times. I was provided zero answers as to why this happened, any sort of time frame etc. I have filed a complaint with the OCC to which XXXX responded that they would be closing the account & returning the funds to the original lender. Which i agreed to. That was in XX/XX/XXXX. My most recent phone call with SoFi i was told the same thing as I had been told before the complaint. hat the department that handles this can not be reached and basically I am XXXX until they decide to release my money to my connected outside bank account. XX/XX/XXXX will be 12 months that they have held my money hostage. I want my {$910.00} that they have essentially stolen, and the account closed as they said it was to be. This is absolutely inferiorating.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I did one transfer of {$150.00} through XXXX from my Citibank checking account to my XXXX XXXX checking account. The money left my Citibank account right away but until now I didn't receive my money on my XXXX XXXX account. I've been calling Citibank since than and they've told me twice that they would credit the money in my account but until now nothing. Simply, they disappear with my money and don't want to pay be back, it's been 3 weeks already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX