23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Im at my breaking point with how frustrating and demoralizing this situation is. Waking up to an unverified debt that doesnt belong to me was a nightmare, and since then, the harassment across various platforms has been relentless. Im even receiving threats of legal action, which is an experience I never thought Id have as a law-abiding consumer. It feels deeply insulting and is a blatant violation of my rights. The stress has become unbearable, affecting my mental health and leaving me with sleepless nights.
Product: Student loan

I submitted required documentation for certification of my employment for Public Service Loan Forgiveness in XX/XX/XXXX. I received confirmation the the employment was certified via letter from FedLoan indicating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 

However, it is now XX/XX/XXXX and I have not yet received any information regarding an update of the number of qualifying payments. I have contacted the servicer and no one has been able to tell me when the review/update of my qualifying payments will be made. It has been 9 months without resolution. This is absurd.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened dispute # XXXX over the phone with XXXX at Citibank for a {$620.00} charge made to my Citi debit card on XX/XX/XXXX by XXXX XXXX, a provider of testing training services. I could not log the dispute online because the Citibank interface does not allow debit card charges to be disputed online. On XX/XX/XXXX XXXX called the number listed on the attached contract Exhibit 1, ( XXXX ) XXXX, but received no answer. 

The services contracted with the vendor were for 6 months of online training and payment of the XXXX test fee to the XXXX XXXX XXXX as shown on the attached Exhibit 1. The service contract with the vendor ran from XX/XX/XXXX to XX/XX/XXXX, so the 60 day limit on disputing charges does not apply since the vendor was only required to deliver the test fee within the 6 month contracted period, not on XX/XX/XXXX.
On XX/XX/XXXX I emailed and called the vendor as shown in the attached Exhibit 2 to make sure it had fulfilled its obligation under the agreement to pay the XXXX test fee. No response from the vendor was ever received. 

On XX/XX/XXXX I received a response ( attached as Exhibit 3 ) to my XX/XX/XXXX email to the XXXX XXXX XXXX that confirmed that my test fee was never paid by the vendor. 

OnXX/XX/XXXX I received the attached letter backdated to XX/XX/XXXX, attached as Exhibit 4, stating " Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter ''. 

Citibank 's response violated the Fair Credit Billing Act which states that a consumer has up to 60 days FROM THE DATE OF THE EXPECTED DELIVERY OF THE SERVICE to dispute a charge. Since the end date for the contract was XX/XX/XXXX, too much time had not passed, and I am within my rights to have this dispute investigated by Citibank and for it to deliver a written disposition of my case.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX  XXXX credit inquiry from XXXX on my credit report on Transunion. I called XXXX  XXXX XXXX about this and the only information they gave me was that I needed to file a dispute on my credit report for this because of fraud. I filed a dispute with Transunion but they wont remove it for some reason. Please help me to remove this information on my credit report that was due to fraud and identity theft. There has been a lot of fraud and identity theft with my information and Ive been trying to deal with it. XXXX  XXXX XXXX has been responsible for allowing much of it and letting them walk through and steal everything out of my bank account and have unauthorized access to my online account. I spent weeks working to resolve it the best I could. This inquiry remains on my credit report. They wouldnt give me information on what is was for, only that I had to file a dispute with the credit bureau. I did but it still remains.
Product: Mortgage

15 U.S.C. 1601 is a section of the United States Code that establishes the purpose of subchapter I of Chapter 41 of Title 15, which is consumer credit cost disclosure. The purpose of this subchapter is to ensure that credit terms are disclosed in a meaningful way so that consumers can : Compare credit terms Avoid using credit without fully understanding it Protect themselves from unfair or inaccurate credit billing and credit card practices The Truth in Lending Act ( TILA ) is Title I of the Consumer Credit Protection Act, which is covered by 15 U.S.C. 1601-1667f. The TILA protects consumers from unfair or inaccurate credit billing and credit card practices. It also requires lenders to provide loan cost information so that consumers can compare different types of loans.

Ask company to cease and desist and violation of debt sent company 3 payments to pay off house which house was a gift when I sign my loan payments I am the creditor and 12 usc 1431 banks can't not loan money it's the bank duties to work on the creditor behalf I have my secured Party information on a ucc 1 I am the the only owner of this property I XXXX XXXX a living man does not own any debt with my ucc 11 statement and my private trust document number registered mail number
Product: Mortgage

I refinanced with Family First Funding LLC on XX/XX/XXXX and was told not to make a mortgage payment for 2 months and expect escrow of about {$4000.00}. On XX/XX/XXXX the old mortgage company XXXX XXXX deducted my payment from my account. Contacted XXXX XXXX and was told that XXXX XXXX XXXX had sent the payoff on XXXX/XXXX/XXXX to XXXX XXXX, but XXXX XXXX had not received it as of XXXX/XXXX/XXXX. I was directed to XXXX XXXX XXXX XXXX and the agent told me the money had been " intercepted ''. Upon questioning I was told that because of my name and background and religion the money was " intercepted '' and had to be checked out. Then in mid-XXXX XXXX XXXX XXXX once again takes out my old mortgage payment because they still have not received the payment. I stopped the payment. At the end of XXXX XXXX XXXX reported that they had received the payment but because of late fees and penalties my escrow was only {$1500.00}. Meantime XXXX XXXX sold the mortgage to XXXX XXXX. I made my XXXX XXXX mortgage payment but received a letter from XXXX that the company had shorted the escrow and that I owed an additional {$960.00} in interest and penalties. Every agency tells me that there is nothing they can do and will not speak with my any more.
Product: Mortgage

I pay my Wells Fargo mortgage online. My bank account information is stored in their computer. I made the XXXX 2016 payment as I had always done. When I went to make my XXXX payment there was a red notice that I had not made my XXXX payment. I checked my bank statement and it had not been deducted. I checked my payment calendar and I had marked it as paid. Further investigation on the Wells Fargo site showed that I had made the payment on the XXXX, but it had been rejected on the XXXX. 

I paid the XXXX and XXXX payment online using the same drop down stored account and it went through. I wrote to Wells Fargo. Their investigation found that I had made a payment from an account ending with XXXX and not with the account ending in XXXX, the account they have on record and the one I use to make my payment. 

The XXXX seemed familiar, but I could n't find it anywhere. I finally realized the last XXXX digits of the account I use to pay the mortgage with is XXXX. Somehow their computer truncated the last number of the account and it was refused by my bank. 

As a consequence, I was assessed a late fee and the " late payment '' was reported to the credit agencies which knocked my XXXX score by XXXX points. Wells Fargo did n't have the courtesy to notify me that the payment had been refused. 

Although I realized the origin of the XXXX after receiving their letter, I was struck by their unwillingness to make some adjustment. I had attempted to make the payment, as can be seen by their records. In an earlier letter to me, too late to avoid reporting to the credit agency, they advised me as to what I could do to prevent foreclosure. I was outraged that they would n't contact me first to find why the payment was n't made. I overlooked a payment a couple times in the past, but was never more than a few days late. This was the first time in 16 years this had happened. I feel this was callous disregard for me as a customer.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an Apple Card backed by XXXX XXXX using an old XXXX that I own and use for app purposes. I was " approved '' with a credit limit of {$1500.00}, and a physical card was mailed to me, which I received and activated on XX/XX/XXXX. 

The following day I attempted to use the card to make an online purchase of {$640.00} for a new phone at the XXXX XXXX online. I received a notification on my XXXX to authorize the purchase - which I did - but then the purchase was declined. I thought perhaps the online merchant ( XXXX ) was attempting to process the transaction using my old address, and corrected my info and attempted to try the purchase again, which was again declined. I contacted Apple Card support in chat, who assured me there was no issue with my card or account, and suggested I try again - which I did - and was again declined. I decided to just use my XXXX XXXX card, and finished the chat with the Apple Card representative, who informed me my account and card were fine to use. 

On XX/XX/XXXX I had a voicemail from Apple card support asking me to call. I called back that same day and they were unable to tell me why they had called, and after being transferred to 3 different representatives one agent thought maybe it was to confirm my phone number - which I did - and that was that. Nobody informed me of any account issues. 

The next day, on XX/XX/XXXX, I once again missed a call while working from Apple Card support asking me to call back. I called back again, and again was told they had no idea why I was being called. 

Today, XX/XX/XXXX, I logged into my Apple Card account and there is a message that my account is " blocked from new spending '', and to call Apple Card support. I promptly did and the agent had no information for me, could only tell me my account was now " under review '', and had no idea when/if someone would call me back, with no resource for me to reach someone about this. 

I am upset that Apple Card offered me incentives to apply for the card with balance transfers, zero interest, cash rewards ... etc, pulled my credit report which resulted in an inquiry, approved me, sent me a card, and within 10 days has blocked it without ever having made a purchase - and has no method for me resolving whatever issue it is they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts, names, etc. I do not recognize. Please have them deleted immediately.
Product: Student loan

My student loan was transferred from XXXX XXXX to Edfinancial on XX/XX/XXXX. Since the transfer the monthly {$100.00} payments made to my account by my employer are missing, in addition I have not received or able retrieve any student loan statements since the transfer on XX/XX/XXXX. I've requested the previous statements and my account to be updated to reflect the payments that have been made but my account still has not been updated nor I have received the requested statements.
Product: Credit card or prepaid card

From XXXX XXXX to end date. I received statement with {$6500.00} overdraft from my account. I reported Bank of America about that she I don't remember her name ask me about the dates were took it the money and she told had been cancelled my card and she reported everything the money was took it from me.XXXX {$1000.00} XXXX {$1000.00}, XX/XX/20 {$1000.00}, XX/XX/20 $ XXXX {$1000.00} than XX/XX/20 took me 10 times of {$100.00} was another {$1000.00}. Last XX/XX/20 {$500.00}. Total took {$6500.00} still paid on fees {$20.00}. My Accion I called them to report what happened. Bank of America representative told me not to do anything else had been reported to fraud department. And I'm gon na received another card for replacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, XXXX years later, a company named XXXX XXXX opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to XXXX  on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. XXXX of the XXXX employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's XXXX office, they have tried tirelessly to get XXXX XXXX to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. XXXX XXXX refuses to comply with them. I have communications with XXXX 's XXXX office stating such, and I even have an email from XXXX XXXX, XXXX of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get XXXX XXXX to make this right. XXXX XXXX suggested I work directly with both XXXX and Transunion, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and Transunion. Within XXXX hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my Transunion dispute, Transunion called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that Transunion 's policy is to only contact the owner of the account, which is XXXX, and XXXX said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop XXXX from inaccurately reporting on my Transunion report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.
Product: Credit card

To Whom It May Concern, Bestbuy Citi Card The XXXX charges appearing on my XXXX statement for the credit card ending in XXXX not made by me or by anyone else with my authorization. 

The XXXX fraudulent charges are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} I previously informed your representatives during my initial phone call that I was and have been physically located in XXXX on the dates of these fraudulent charges. I am attaching statements from my other credit cards which clearly show legitimate transactions made by me in XXXX around the same time. It would have been physically impossible for me to have made these purchases in XXXX XXXX XXXX XXXX XXXX XXXX within such a short timeframe. 

I request that you please re-open your investigation.
Product: Money transfer, virtual currency, or money service

I have been locked out of my account with Coinbase since XX/XX/23. Initially I reported to them that I thought my account had been compromised, however it was later concluded this was incorrect. Since then Coinbase has refused access back to my account despite providing them with all necessary documentation to prove Identity. I have reached out to them a few times a week since then to no avail ; just received generic auto responses with no help. It seems at this point theyre just planning to keep my money which is XXXX of dollars. This is unacceptable and they shouldnt be able to get away with it!
Product: Mortgage

Today ( XX/XX/22 ) we received a letter in U.S. mail advising us that our mortgage has been transferred from Freedom Mortgage Corporation to XXXX dba XXXX XXXX, effective XX/XX/22. Upon looking up XXXX. XXXX to see about setting up an online account, I found this press release from the Consumer Financial Protection Bureau ( https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-multiple-states-enter-settlement-XXXX-unlawful-servicing-practices/ ) and read the accompanying legal documents describing the consumer financial laws violated by XXXX, causing substantial harm to the borrowers whose mortgage loans it serviced and the {$85.00} million dollar settlement that XXXX was required to pay out. 

Horrified that we were being required to do business with a company that had shown itself to be untrustworthy in their mortgage servicing practices, I immediately called Freedom Mortgage to find out what my options are - can we stay with Freedom Mortgage or be transferred to a mortgage company we could trust? One XXXX could not tell me from where the decision to sell our mortgage had emanated- he had some vague idea that it was a bank. Why should a mortgage company or some shadowy, unnamed bank have the power to make these decisions irrespective of the consumer 's wishes? After speaking to 9 different people and being told over and over that there was a ) nothing they could do since the transfer was already complete ; b ) this is just the way mortgages are handled ; or c ) to stay with Freedom Mortgage we could refinance for a worse deal than the one they gave us 6 months ago, we decided that our only option was to lodge a complaint with your bureau.

HERE ARE OUR MAIN ISSUES : 1 ) We were not informed of this transfer before it was a completed transaction.

2 ) We are not being given any choice in the matter of who we do business with in this repayment of our largest debt.

3 ) We should not be forced to do business with a company whose business practices we can not trust.

4 ) If this is the way that the mortgage industry does business, then it should be forced to change. 

How should we handle this going forward? Since we don't want to deal with XXXX, we offered to continue making our payments to Freedom Mortgage, but we were told that they could not accept payments after XX/XX/XXXX. What do you advise? 

Thanks in advance for any help you can give us in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaint about these accounts and they still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of my consumer rights. XXXX XXXX has taken information from the PACER system and sold that information to other reporting agencies. 
XXXX XXXX is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. 
XXXX XXXX is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. 
I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. 

XXXX XXXX is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX XXXX any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. 
Lastly, XXXX XXXX has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Product: Credit card

On XX/XX/XXXX, a fraudulent charge ( {$340.00} ) was showing on my credit card ending in XXXX via Wells Fargo banking app, in which I contacted Wells Fargo ( at XXXX ) right away and notified Wells Fargo that I did not authorize that charge and it is a fraud charge from someone who have stolen my credit card information. Wells Fargo did not stop nor cancel that charge at that moment ( XX/XX/XXXX ) and let the transaction went through. On XX/XX/XXXX, Wells Fargo sent me a letter letting me know about this fraud charge ( same as listed above for {$340.00} ), which took place in Pennsylvania, I live in California. On XX/XX/XXXX, I called Wells Fargo at XXXX when I received the letter dated XX/XX/XXXX, Wells Fargo requested that I make a police report for this fraudulent charge, I believe that I did not have to get a police report for a fraud charge that I have already reported to Wells Fargo but Wells Fargo asked for a police report. On XX/XX/XXXX, I visited the XXXX Police Department and filed a police report ( Report # XXXX ) for a credit card fraud ending in XXXX. I visited a local Wells Fargo bank to submit the police report and which the dated letter XX/XX/XXXX and the police report number were faxed over to Wells Fargo, in according to the Wells Fargo employee at the local Wells Fargo bank. Only XX/XX/XXXX, I called Wells Fargo again at XXXX, and I was told that the temporary credit have been approved and it should be in my account. On the letter dated XX/XX/XXXX, Wells Fargo stated that I will receive temporary credit for this fraud charge, as of right now XX/XX/XXXX, I still have not received any credit like Wells Fargo has promised.