23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was previously with SunTrust bank ( now Truist ) I made my mortgage payments in the same amount {$2300.00} using bill pay through XXXX XXXX each time and did not have any issues with payments being received or being allocated for more than a year. Then I was notices my payments for XXXX, XXXX, and XXXX were past due. I look at my bank statement and they were sent and received by SunTrust. My loan switched to XXXX mortgage company in XXXX so I paid my first payment that month to them no problem. They are showing I am in default for those XXXX payments and have been calling to collect the debt. I have opened numerous cases with SLS and sent my bank statements for each month with proof of payment. I have called XXXX more than a dozen times to check on the status of my case only to learn that it was never opened or was closed without my knowledge. I have been asked to provide the same bank statements over and over with no explanation of why the first time I sent it wasn't sufficient. I still receive calls daily from XXXX attempting to collect the debt because nothing has been noted in my account that I have a case against this and I have to explain the situation over and over with each new customer service agent I get. I have called SunTrust and they told me that for some unknown reason my mortgage payments for the three months in question were set aside into an unallocated funds account however I have gotten no answer on how to get that money correctly allocated. They refuse to communicate with my new mortgage company or refund the money. This has been going on since XX/XX/2021 and I have gotten no where with either company. I am terrified this is going to affect my credit and have spent hours on hold and on the phone with customer service representatives who can not get me answers and run me in circles asking for the same information over and over with no escalation of my case.
Product: Credit card or prepaid card

On XX/XX/2023 I made 2 purchases in the amounts of {$39.00} XXXX another for {$39.00}. On XX/XX/2023 I made a purchase for an item in the amount of {$39.00} and on XX/XX/2023 I made another in the amount of {$39.00}. These transactions were made from 3 different online companies but I found out afterwards that it is the same company and they area fraudulent company. I never received any of the items I paid. I received a refund from my credit card company, Wisely, for the first two purchases and after attempting to file a dispute for the second two they continue to tell me that they refunded my funds which is false. I was not allowed to file for the amount from the XXXX of XXXX supposedly because I had already been refunded which makes absolutely no sense. They told me that it does not constitute as fraud for the purchase from XX/XX/XXXX without an explanation as to why they found it this way. My account only shows the refunds for the first two transactions of {$39.00} yet Wisely employees are insisting that I have been refunded for the second two transactions even though my account shows otherwise. Contacting the company is impossible because after my first complaint to them they closed my account. After sending 3 more emails the website was not in existence per XXXX XXXX. No one is replying to the email : XXXX Any information or assistance you may be able to provide me with is greatly appreciated. Thank you kindly.
Product: Debt collection

XX/XX/XXXX XXXX {$3500.00} Sending letter to resolve First of my knowledge knowing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to XXXX XXXX and was informed by them that Equifax is showing that XXXX  XXXX did a Hard Credit Report on me without my consent on XX/XX/2018. I do not have an account with XXXX XXXX. I suspect that this may be the start of an Identity Theft case. I would like to lodge a complaint against XXXX XXXX. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained numerous times to spring oaks Llc about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
Product: Debt collection

Atlantic Recovery Solutions contacted me by phone on XX/XX/XXXX regarding a debt that they say I owe to XXXX XXXX XXXX in an amount totaling {$3900.00}. I asked representative XXXX XXXX to send me information by mail regarding the amount in question. He stated that they are not able to send me anything by mail, but " assured '' me it was a valid debt. He sent me a generic email with only the amount of the debt, their account number for me, and their phone number, with no disclosure that I have 30 days to dispute the debt. He also gave me the phone number to XXXX XXXX to call if I want to verify the debt, which only led me to an answering machine. 
I sent Atlantic Recovery a debt validation request letter on XX/XX/XXXX, which I have documentation that they received on XX/XX/XXXX at XXXX. I have received no response and they have continued to call me every day. I called today XX/XX/XXXX, to state that they need to stop calling me, and spoke to XXXX XXXX again. He claimed that they mailed the information I requested on XX/XX/XXXX, which I have not received. He also claimed he has record of speaking to me on XX/XX/XXXX, which is untrue. I told him that they violated the law by not sending the requested documents after the first call on XX/XX/XXXX, that they still have not sent me anything, and that by law I have 30 days to dispute the charges once I receive the documents. He told me that is not true and that they will be continuing to call me. At that point I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 accounts 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 XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XX/XX/XXXX XXXX
Product: Mortgage

The first point of contact was with Loan originator XXXX XXXX on XX/XX/19and started a streamline loan, which the assumption it would take about 3 weeks to finish. On XX/XX/2019, through XX/XX/2019, I realized I was not going to close on time was told to pay  my mortgage and I did with late fees. Was sent a piece of information by email stating I was in the process of closing my loan but given several closing dates. The last person of contact was XXXX on XX/XX/19 with a scheduling date and time of XXXX XXXX ( XXXX ) XXXX in the scheduling department, spoke to XXXX in the Recovery closing team department ( XXXX ) XXXX, he never gave me a direct line to call just told me my closing disclosure forms would be in the email by the close of the day on XX/XX/19. Spoke to XXXX XXXX this same day and she told me XXXX was working on my file her number is ( XXXX ) XXXX. Received an email from XXXX XXXX and her phone rang stating she was at home all week ( XXXX ) XXXX never got a chance to speak with her at all. Have been given the run-around and getting frustrated due to the closing dateXX/XX/19. Need correct answers and documents before closing so there will be no surprises on the closing date.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, 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 XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and Equifax is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into Equifax fact. My right are been taken away from me
Product: Debt collection

XXXX - complaint # The feedback I received on my initial complaint was that the collection agency submitted documantation to me by mail and thats not correct. I havent received anything to date. I want this matter resolved or Ill have to take other legal measures. The amount thats trying to be collected is the wrong amount and I have no intension on paying it at anytime. XXXX stayed before my current address is included in this complaint and I havent received anything. This is a stall tactic and the clock is ticking.
Product: Money transfer, virtual currency, or money service

I AM WRITING TO FORMALLY EXPRESS MY CONCERS REGARDING ZELLE 'S HANDLING OF DISPUTES, PARTICURLY IN LIGHT OF THE RECENT CFPB LAWSUIT HIGHLIGTING SIGNIFICANT ISSUES WITH THE PLATFORM. DESPITE USING ZELLE NUMEROUS TIMES AND REPRTING DISCREPANCIES, MY FINANCIAL INSTUTION AND ZELLE FAILED TO INVESTIGATE MY CLAIMS DEQUATELY. THE INFORMATION ME THAT RECOVERING LOST FUNDS WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACTIONS WAS UNFEASIBLE. THE CFPB 'S FINDINGS INDICATED THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT COSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPOLIT THE SYSTEM, LEAVING USERS VULNERABLE TO SCAMS. THIS LACK OF ACCOUNTABILTY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY ...
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally lodge a complaint regarding the repeated and unsuccessful attempts I have made to have a charge-off account removed from my credit report. The persistence of this inaccurate information is causing severe financial hardship and distress. 

The charge-off account in question has been adversely impacting my credit score and financial well-being for an extended period. I first identified this issue and have since been diligently attempting to have it rectified through your organization. Unfortunately, my efforts have yielded no success. 

I initially submitted a dispute request to have this charge-off account removed, providing all necessary documentation and evidence to support the claim that it should not be part of my credit history. Despite adhering to the proper procedures, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that the charge-off account is erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this issue, hoping that my concerns would be addressed appropriately. To date, I have not received any communication indicating that my dispute is being actively addressed or that there has been any progress towards its resolution. 

I can not overstate the detrimental impact that this charge-off account has had on my financial life. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that you take immediate and effective action to rectify this situation. I expect a comprehensive investigation into the accuracy of this charge-off account and, if found to be erroneous, its swift removal from my credit report. Furthermore, I request written documentation confirming the removal of this charge-off account and its effect on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve your customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please help me removed this charge off account in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked numerous times to get a letter in writing about the account in collections. They state they will not send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They c all 3 to4 times a  day and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.
Product: Credit card

XX/XX/year> : I called American Express to close my XXXX XXXX that I rarely use. 
XX/XX/year> : they charged me another annual fee. 
XX/XX/year> : Amex deducted the annual fee from my checking account. 
XX/XX/year> : In a chat on the Amex website I am told they will offer me a pro-rated refund of {$600.00} instead of the full {$690.00}. I ask whether they have a record of my phone call and they tell me : " We are from the chat support team and do not have access to call records. We will need to submit an investigation to check what exactly happened on the phone. '' AShould n't Amex support have access to Amex support information? 
After all over XXXX minutes in chat with XXXX different agents- they " can't '' send a transcript- they offered only a pro-rated rebate of {$600.00}. I accepted that. 
They promised to complete the " investigation '' within XXXX days.
Product: Student loan

I'm XXXX XXXX, a recently admitted medical student at the XXXX XXXX XXXXXXXX, and I wanted to let everyone know that I am experiencing a severe financial emergency. I have had all the money awarded to me from financial aid, everything I had until XXXX over {$10000.00} taken from my account by Citizens bank. 

I had to take a private loan from Citizens bank, years ago to pay for tuition. I was unable to pay their exorbitant amount of $ XXXX in student loans while I struggled to even afford food and barely able to afford rent. Because of which, I get every single cent I had to live taken from my account without even my knowledge. 

All be because I defaulted on my student loans, since the very little money I had left over, was used so I could feed myself and my puppy. I informed them of my situation last year when I was to begin repaying my loans. I tried to refinance my loans even with a cosigner, and nothing was able to be done about this. 

They do not want to return the money that was given to me by federal student loans, and said it was " justified. '' I now have $ XXXX in my account that includes overdraft fees. I can not afford a single thing, and here I am in medical school not being able to afford food, once again. 

I have no clue how I am going to be able to feed myself and my dog. I have no clue how I am supposed to pay all my bills, my rent, my hospital, and medical bills any of my medication that helps me get through the day. I kept working at my previous job as a lab tech at children 's hospital, part time with the hopes of l bettering my financial situation. At this point, the amount I make is insignificant related to my expenses, although at least I still have health insurance. 

Citizens called the police yesterday to do a wellness check on me because I let the bank know how horrible this situation has affected me. I can not sleep, any rest I have has been restless, and I barely have any groceries left. I was planning on going grocery shopping over the weekend until I realized I had absolutely no money left. 

Please help. I don't even know if I can even afford to continue medical school like this. Not even after I spent almost 10 years working to get a seat in medical school. I should not have to worry about being able to feed myself while I study medicine. 

I have already experienced too much financial difficulty this past year. I had the idea that my admission to medical school at XXXX, was going to be a temporary solution to my financial crisis, only for my situation to become significantly worse.
Product: Debt collection

I am filing this complaint against LVNV Funding LLC for violations of federal consumer protection laws under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). Below, I outline my concerns and requests for corrective action.

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and conspicuous disclosure of the debt 's details, including the name of the original creditor and sufficient information to understand the nature of the alleged obligation.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The company has not provided an itemized statement breaking down the alleged debt, including the principal, interest, fees, and other charges, making it impossible for me to assess its validity.

Violation of 12 CFR 1006.34 ( d ) : Communications from LVNV Funding LLC have lacked proper validation information, which is required to be provided in initial or subsequent contacts under federal regulations.

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding LLC has furnished inaccurate or incomplete information to credit reporting agencies regarding the alleged debt without properly investigating disputes or ensuring accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Hello, I have a credit card with HSBC Master card with a {$3000.00} charge from a balance transfer that was not received and nobody knows anything about. It was applied on XX/XX/2018 and supposed to have been canceled 7-10 days later. I have called several times in the last 4 months and nobody knows anything or can solve the problem. I keep getting transferred from one know-nothing to the next until I am put on hold and hung up on. The charges are continuous with no resolve in sight. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XX/XX/XXXXfile and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid with the agreement that it would be deleted from my credit. This account is with capital one that was transferred to XXXX XXXX to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. 
Account number for capital one XXXX Please remove as agreed on.
Product: Credit card

I have had a Citibank credit card since XXXX 2016. In XXXX 2016 my card had fraudulent activity and I was sent a new card. Citibank removed my credit card and all my positive credit payment/balance history from my credit report with all XXXX credit bureaus. I disputed it with Citibank and all XXXX bureaus immediately. I spoke with several XXXX at Citibank as well as all credit bureaus. Citibank told me countless times they had submitted the info to the bureaus and I needed to wait 30 days for them to update. I call the bureaus after that 30 days and they state they 've never received anything from Citibank. I have charged and paid on this card religiously since I opened the account. I have gotten no help from Citibank in adding this account back to my credit profile. I am at their mercy as the bureaus ca n't initiate 'adding ' or 'reinserting ' an account, it must come from the lender/bank directly. I am in the process of buying a home and this has dropped my score by XXXX points making me unable to get approved for the home loan. I will be seeking punitive damages once I get this situation rectified.
Product: Prepaid card

I had XXXX fraudulent purchases made in XXXX, XXXX that I did not initiate. My Bluebird American Express company will not file fraud charges and reverse the transactions. Their fraud department will not do anything about it.
Product: Debt collection

XXXX XXXX  sent debt to collection for a club account I closed as part of my relocation to XXXX where the club has no locations. I notified the club representatives of my move and made it clear that I did not want this to happen and was assured it would not.
Product: Credit reporting or other personal consumer reports

On XX/XX/, Equifax put a hard inquiry on my credit report which was fraud and I disputed it and they sent me a letter the next day, XX/XX/, saying it was accurate. I didn't sign up for a mortgage and I didn't initiate it. Equifax didn't even look into in 1 day. I did not authorize anyone to look at my credit report for any plans or otherwise.
Product: Debt collection

A collection agency named ARC Mgmt Group, has just reported two collection accounts on my credit report. One is for {$510.00}, and the other is for {$480.00}. Prior to reporting these accounts on my credit report, I did not receive a notice of my right to dispute. If I had, I would have certainly contested the debts, because I feel they are not owed. I spoke with their reps, and told them it was illegal to report the accounts without first providing me with a 30 days notice to dispute. They told me that they didn't have to. When I cited this statute in the Fair Debt Collection Practices Act, they claimed that it does not apply to them.
Product: Mortgage

The original amount of my mortgage loan through Ocwen Loan Servicing was {$250000.00} on XXXX/XXXX/XXXX. I modified my mortgage back in XXXX under the HAMP Program. In doing so, Ocwen increased my loan amount by {$49000.00} with a principle balloon payment of {$70000.00} that would be forgiven over a three year term -- my new loan amount was now {$270000.00} -- before the principle forgiveness. The time frame is now up -- the last principle reduction took place in XXXX. 
I recently requested to have my interest amount lowered and the documents indicated that I now owe {$260000.00} -- more than {$10000.00} more than my original loan amount of {$250000.00} and after more than 9 years of payments. They are adding the {$70000.00} principle forgiveness back into the balance. Of course they are very happy to lower my interest rate to 2 % at this point because I would be increasing my loan amount to more than I bought the home for. 
This is a total scam and I will not be taking their offer. I hope that they have not done this to others and someone should be held accountable for this.