23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XXXX XXXX XXXX from the firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) wrote me the following email : " XXXX XXXX, I have answered your repeated emails previously. My office is in the process of responding to your CFPB complaints ; kindly refer to those responses. '' This is a false statement. 

First off, I still have not received any documentation that I have requested, nor have I received direct responses to my questions. 

You see, the issue I have had repeatedly with this firm is they will not answer questions. They also have a history of lying. 

I also have an issue with the fact that they refuse to talk with me or answer emails, phone calls, or other questions. 

I would also like to point out this is the only time I have complained about the false statements made by XXXX XXXX today, XX/XX/XXXX. She has asserted I am trying to " intimidate '' her firm by making duplicate complaints, but that is not the case. 

I am simply filing a complaint every time her firm breaks the law. 

If she would like me to stop making complaints, I would advise her to pick up the phone and talk to me, and work out how I can get the documents I need. 

I would also advise her to answer questions directly. Lying by omission is still lying.
Product: Credit reporting or other personal consumer reports

not sure i have numerous accounts on my report they are all different on each report
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase from XXXX all of the time. This is where I remembered seeing an annoying Affirm pop up appeared, but I don't think I used it! Without my consent It was added to my extensions, I just removed it. XXXX sent me an email saying I had XXXX late payments of {$15.00} from Affirm, I got Affirms number and called them up. They didn't have my phone number, email address, home address, or account number. That's why I know they never tried to get in touch with me. XXXX and XXXX don't have this on their report.
Product: Debt collection

sent letter on XX/XX/year> requesting debt validation. company has never responded to my letter. I believe this to be a violation of 15 U.S. Code 1692g. I have provided a copy of the letter sent to the company.
Product: Checking or savings account

Wells Fargo Never sent a reason why they were closing all accounts, We asked our branch XXXX to help us to find out why. We only had 30 days to move our accounts and there were multiple accounts. This happen in XXXX XXXX. When we first received the letter we sent a email with a copy of the letter to the branch manger at that time to the XXXX XXXX Wells Fargo Branch, a very helpful lady. We spoke with her verbally. We had been with Wells Fargo for a number of years ( XXXX plus years ). We tried to find out why and never received a reason. We were told to move all our accounts personal and business. including our credit card. We had to scramble with finding a new bank. We are not sure and would like to find out why. But we also want to be part of the settlement that we just found out about. how do we go about find out about this
Product: Student loan

In early XX/XX/XXXX, while filing XX/XX/XXXX taxes, I realized that my private loan XXXX statement had no interest claimed on it. Upon further research into my payments ( interest amounts etc ) and research into obligatory reporting by lenders I found that several thousand dollars in interest SHOULD have been reported and were not. I contacted Navient, the lender and after sending them paperwork verifying that I was a XXXX XXXX XXXX AND the money was used for tuition/school related expenses ( they claimed it was not ) they did in fact issue an amended XXXX for XX/XX/XXXX. 

Realizing this had been the case for XX/XX/XXXX I then researched what interest I claimed on my taxes for XX/XX/XXXX for my private loans serviced by Navient. Although I was in school for part of the year in XX/XX/XXXX and had deferred my loans I still had payed well above the {$750.00} legally required for it to be reported ( in fact I paid close to {$3000.00} that year as well in private loan interest ). I made another phone call and they requested I submit the EXACT SAME FORM I had already submitted for XX/XX/XXXX-in fact there was nothing, whatsoever, that would have differentiated these 2 forms. Initially I was resistant to doing this again as it involved faxing these forms at MY expense of time and money to them and they already had signed proof that the money they loaned me was used for school while I was a XXXX XXXX XXXX. Over the course of XX/XX/XXXX through now ( XX/XX/XXXX ) I contacted them at least twice a month and submitted these forms for XX/XX/XXXX not once but twice and they have still not provided me with an amended XXXX for XX/XX/XXXX. Most recently I contacted them on XX/XX/XXXX and they said the form would be available by XX/XX/XXXX- this did not happen. I called today and they said it would be sent by email within 24-48 hours, the same story as all prior phone calls. Each time I call they tell me in 24-48 hours I will get an email with the amended form or that it will appear in the tax statements section of their website when I log in. I have spent many many hours on hold and on the phone with them for a form they have a legal obligation to provide to me with the correct interest amount on it and I believe they are simply running me around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 or prepaid card

My complaint pertains to my Jet Blue XXXX issued by Barclays bank. The company recently solicited a balance transfer/cash offer. This offer was for 3 % and offered XXXX interest into 2022. I decided that I wanted to pay off some higher rate debt and requested cash for {$7000.00} and accepted the 3 % cost of XXXX dollars. Barclays processed by request on XX/XX/2022 and posted the {$7000.00} to my checking account. When I looked at my Barclays balance to make sure I was charged the correct fee I noticed that they debited my XXXX twice for both the {$7000.00} as well as the {$210.00} fee. I now show having a {$14000.00} dollar balance which is inaccurate. I immediately called them and was told it was a known issue that they had duplicate entries processed. I have since called XXXX more times and get told its still a known issue and its being worked on. This false posting is now impacting my FICO score as it looks like I'm borrowing {$14000.00} dollars when in fact I'm only borrowing {$7200.00} I am very concerned about why its taking this long to resolve. I would greatly appreciate it if you can look into this on my behalf.
Product: Credit reporting or other personal consumer reports

XXXXMILSTNE & CB INDIGO is a credit company that works together they each approved me for a credit card gave me the credit card shipped it out to me then took it away before I can use it. I paid {$75.00} for each card. They then canceled it on me because they said they can not confirm my identity after i have already got the card. Now i have two credit cards attached to my account that say they are closed 3 different ways -Account closed by consumer -Credit line closed - consumer request - reported by subscriber. 

-Account closed at consumer 's request Closed or paid account/zero balance I did not close it they closed it on me. This has made my credit drop and impacted me negatively.. They told me they would take it off my credit completely. I keep reaching out and getting no help. 

open dates for all 3 credit accounts are XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, natural living breathing person. I am writing this complaint with my own free will and I am not being coerced by any third party or agency. I am aware that this company, " Credit Collection Services '' has used my personal information without being in accordance with the law. As of XX/XX/2021 I am aware that this company, " Credit Collection Services '' has been fraudulently using my personal information and furnishing items to my consumer report which should be excluded according to 15 USC 1681 ( 2 ) ( A ) ( i ). I have never given Credit Collection Services direct consent to furnish a consumer report on my behalf which also violates 15 USC 1681B ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts that were closed in XXXX and XXXX. I disputed and made a complaint about two of them here, they were updated instead of removed from the credit history. These accounts are paid and closed so why are they still on my credit report. I would also like to stop getting advertising of Experian Boost through email.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm sold my 3 accounts to XXXX in XXXX or XXXX ( I cant remember exactly the date ). Affirm marked my accounts as charged off which was correct but even though they no longer own my accounts- They are still reporting me delinquent every month. I have arrangements with XXXX but if this account was truly charged off as affirm states on my credit report, then affirm should not be reporting any late payments. If this account was not actually charged off then affirm should fix that. I have been working with XXXX directly and have had no contact with Affirm for months.
Product: Credit card or prepaid card

XX/XX/2018, I placed a PayPal order for {$24.00}. The seller was supposed to have sent a tracking number 10 days after the original purchase. This seller has not and neither has he replied to me regarding this purchase. 

Representatives with PayPal had promised me a refund of {$24.00} because the tracking number was never received. 

This was a statement three days ago.

Now PayPal is continuing to wait to hear from the dealer even though there is no proof this order is being sent.

PayPal refuses to honor the sellers agreement with me.
Product: Debt collection

I was served back in XX/XX/XXXX about a debt and responded back. I then responded in the allotted time. I also submitted a request for production of documents which I never got a response to. I then sent a letter back in XXXX of XXXX stating I had never received a response and it had been 60 days. I asked them to drop the lawsuit since the process has not been continued. I never heard back. In XXXX of XXXX, I received a letter stating they had made an error and never responded. I then sent them a letter asking again to drop the lawsuit since it had been a year and a half with no response as well as their admission to not continue. I have had a few letters sent from them since then threatening to take this further and that I have no basis.
Product: Checking or savings account

The bank has a 90 day policy on disputes and I have a dispute that is approaching 150 days since the dispute date with no resolution in site. I also have XXXX other disputes that are reaching their 90 day mark here in the next week with no resolution in sight, I have continued to speak with supervisors and agents, and they keep giving me the same information That they cant be expedited even even though its been past the 90 day there is nothing that they can do so I am submitting this complaint so that hopefully they can actually get a move on it.
Product: Credit reporting

I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who, this time it was an energy company. I ended up calling this company and obtaining information from them about the fraudulent account. It ended up that the fradulent account i had disputed with them before which was a XXXX account ended up having the same address on the account. I would absolutely like this off my credit report. I 'm trying to raise my score and this is nonsense. Also i believe at the time they 're was suppose to be a temporary 3 month fraud alert in place. I hope that there is something you all can do. Thanks a lot!
Product: Credit reporting or other personal consumer reports

Equifax is showing tow different things. One thing on XXXX XXXX and another thing on My equifax.com. I will include the pictures of both reports. On XXXX XXXX is shows that it is currently reporting as late and its has XXXX months of late history as of XX/XX/XXXX. The account is with XXXX XXXX and it is a closed account that has been charged off since late XXXX and early XXXX. 

On myequifax.com it shows a 60 day late on XXXX of XXXX but was current for XXXX of XXXX. It jumped from being current to being late which is reporting inaccurately. It should have reported 30 days late first then 60 which is inaccurate. The account was charged out at XXXX months and shows XXXX dys when it should have showed 180 days in XXXX. 

I have included screenshots of both reporting. 

dispute confirmation number : XXXX
Product: Money transfer, virtual currency, or money service

I was tricked into sending money using Zelle. Two different amounts to two different accounts. Probably wouldve kept going if I didnt finally figure it out. The amounts were {$200.00} and then {$250.00}. It all happened the evening of Sunday, XX/XX/2022. I immediately called my credit Union ( XXXX XXXX ), and was only able to leave a voicemail. The next morning ( XX/XX/XXXX ) I went directly into my local branch to report the scam. I provided screenshots of the conversation with the thief, and the email exchange I had with the fake Zelle agent ( s ). Basically the scam went like this : I was selling an item on XXXX XXXX. An interested party inquired about it, and wanted to immediately send me money for it. I was selling my item for {$240.00}. I then received an email that looked like it was from a Zelle agent, saying that someone was trying to send me {$240.00} but that I was not allowed to receive more than {$200.00} without a business account. So in order to upgrade my account to a business account, I had to send the Zelle agent {$200.00}. I did that and then there was some kind of refundable deposit I needed to fund my new business account. Yes I feel dumb now, but he got me to send another {$250.00}. And since the total of the second fee he was trying to get me to pay was {$500.00} ( {$250.00} that night and {$250.00} the next morning ). I started getting suspicious. I then XXXX zelle sending limits, and saw {$500.00} not {$200.00}. Also the XXXX XXXX of the person was somewhere in XXXX. Anyway, I reported to my credit union promptly, and reported it to Zelle on their website. Havent reported it to the FBI cyber crimes site yet, although I tried once, but the site wasnt working. Is there any way to get my money back or track these thieves down? My bank just said the other party denied my claims for the 2 amounts. So now Im coming here for help. Please let me know if you need my screen shots and the fraudulent Zelle agent emails.
Product: Debt collection

I was speaking to some one from mccarthy bergis and wolf and they put a ms. XXXX XXXX on the phone. Who clearly had an attitude as i tried to explain i was XXXX XXXX during the debt. And then she said you clearly got something going on in your life. Get your life together. I spoke to a XXXX about it.
Product: Mortgage

I am writing to file a formal complaint against Lakeview Mortgage and Mr. Cooper regarding their failure to make payments for my homeowner 's insurance coverage with XXXX XXXX, even though I have been paying into an Escrow account set up specifically for these payments. As a homeowner, I rely on my mortgage company to handle all necessary payments, including insurance, through my escrow account, which has been set up by the company. However, Lakeview Mortgage and Mr. Cooper failed to pay my insurance for over a year, resulting in the cancellation of my insurance policy. I have been a loyal customer of XXXX XXXX for 11 years and this negligence has severed that relationship. I was left without insurance coverage for over a year, putting my home, family and financial security at risk. The potential consequences could have been devastating. I was able to secure a new policy, however, the amount of this new coverage is increasingly higher than my old policy. What is even more concerning is that Lakeview Mortgage and Mr. Cooper only notified me when they needed proof of insurance, despite being responsible for making the payments themselves! This lack of communication and accountability is unacceptable. I urge you to investigate this matter thoroughly and hold Lakeview Mortgage and Mr. Cooper accountable for their actions. Homeowners should not have to worry about their insurance coverage due to the incompetence of their mortgage company- especially when they are making payments into an escrow account set up specifically for this purpose. Thank you for your attention to this matter. I look forward to a prompt resolution to this issue.
Product: Debt collection

Best Buy/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I phoned Synchrony Bank inquiring about a " Hardship Program '' for my Sam 's Club Credit Card. I explained the XXXX death of my sister, created a financial hardship which caused me to fall behind in payments. I was told that I did qualify for the program, and I would pay {$44.00} per month beginning XX/XX/2023 payable for three years to pay off a balance of {$2400.00} which all interest and late fees would be halted. He also stated that as long as the {$44.00} payments were made by the XXXX of each month, it would be reported to the credit bureaus as " Paid on Time. '' The rep stated that I would receive a letter stating these terms and where to send/mail the monthly payments. About a week later, I received a letter from Synchrony bank stating my account had been closed, but haven't to-date received the letters disclosing the terms of the Hardship Agreement. I phoned Synchrony bank on XX/XX/2023 to inform the rep of receiving the letter of " Account Closed. '' The rep stated that's the first thing the rep should've disclosed to me before offering me the Hardship Program was the account would be Closed, which would've swayed my decision. Today, XX/XX/2023, I received a billing notice from Synchrony stating that I had an " Amount Past Due '' of {$170.00}. I then phoned Synchrony at XXXXXXXX XXXX. today and spoke with XXXX. I informed her that I have yet to receive the disclosures of the Hardship Program, and why was I receiving a bill with " Past Due '' amounts. That was the reason for entering into the Hardship Program which terms and conditions were partially disclosed, totally eradicated, and I have yet to receive the terms and conditions of the Hardship Program in writing.
Product: Debt collection

In examining my most recent credit report, I discovered a number of accounts that were added without my permission. I request immediate removal and blocking of these incorrect entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all 3 credit bureaus Transunion, XXXX and XXXX to remove public information from my personal credit file effective immediately.
Product: Mortgage

NationStar/Mr Cooper I paid my mortgage in full on XX/XX/XXXX I called on XX/XX/XXXX to inquire as to why I had not received my escrow check I was told it was mailed on XX/XX/XXXX and I should have received it. 
I was told a stop payment would be placed and issue a new one. I requested it be sent express mail and was told it would be. 
On XX/XX/XXXX I still had not received the check so I called again. 
I was told a new check had not been issued but due to the circumstances a direct deposit would be done to my account by XX/XX/XXXX I was asked for my routing number, account number etc. 
Today XX/XX/XXXX the money is not in my account. 
I called again and was told no money was direct deposited that would require me to send a voided check. Was also told on XX/XX/XXXX a request was put in to have a check cut and mailed to me. 
I asked to speak with a supervisor but was told there is not one. 
Also told it will take XXXX hours for check to be cut and XXXX days to receive in the mail. 
By law my escrow is to be returned in 30 days. They have confirmation that although they cut a check, I did not receive it and they are in default. 
I am terribly dissatisfied and have gotten a different story each time I call.
Product: Credit card

I reported a dispute in the amount of {$360.00} to XXXX XXXX, XXXX XXXX XXXX Cardmember service on XX/XX/XXXX, dispute No. XXXX. 
They said they will mail out a letter and I need to respond to the letter with supporting documents for the claim. The letter dated XX/XX/XXXX arrived on XX/XX/XXXX. I mailed out my documents the same day, then received a letter dated XX/XX/XXXX, telling me they have not received a response. 
I mailed out the package again and called XXXX times. They acknowledged receipts of the XXXX mails from me, and told me they will have the XXXX to call me. 
Then I received a letter dated XX/XX/XXXX, saying that no new information was provided for them to alter the results of their earlier investigation. 
The XXXX never called, and I never received any communication stating they ever did any investigation, or how they did it. 
They allowed a charge to my card without my consent, and would not do the investigation after requesting the info, and keep telling me to call back and wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  and Transunion report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at Transunion and XXXX, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.
Product: Credit card or prepaid card

Chase credit card Open XX/XX/2013 Fraudulent