23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a case number with XXXX XXXX XXXX. XXXX  owes me for zelle money the was fraudulent taken from my account. They wanted me to handle zelle but zelle tells me the want to speak to the bank and the bank tells me to talk to zelle. Its just back and forth. XXXX  has never tried to help me. Zelle or the bank owes me XXXX. This money was sent to people I dont know. Ive sent them all my information with the people that the money was sent to. I had know control of my account when the fraud hit me. I just want this fixed. Between zelle and the XXXX XXXX I feel all my money is stolen from companies that should be helping me.
Product: Credit reporting

I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?
Product: Debt collection

The following list of attorneys of The XXXX XXXX XXXX XXXX continue to harass me with letters and sending strangers to my private property, I have informed this law firm to cease communication but they continue to use false and misleading information in attempts to collect an alleged debt from me. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I am telling you again for the second time to Cease all communication from me. I am a well informed consumer and I know my rights and I know the federal laws of the Fair Debt Collection Practices Act, which you all have continued to violate with your ongoing of false and misleading actions. I have attached four exhibits of proof violations of the Fair Debt Collection Practices Act. This is just a small portion of misconduct that has taken place towards me. I am aware that it is false and misleading for attorneys to collect a debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went to XXXX to get pre-qualified for a loan. I pre-qualified for an offer from Sofi. I then proceeded through the application on Sofi with the same information and was initially denied. I tried again with the exact same information and got a quote that was 200 basis points higher than the XXXX  offer. I reached out to Sofi and was told to proceed with my application and that they would attach the XXXX  offer to it. Therefore, I proceeded with the application and had my credit pulled. After that, I was told that Sofi would not actually price match the XXXX  offer. Again, I provided XXXX and Sofi the exact same information. Sofi told me that they might be able to reduce the rate, and came back with a 0.125 % reduction. Despite the fact that XXXX was a pre-qualified offer and I provided the same information to Sofi, my rate ended up being higher and I was misled into submitting my application by being told the XXXX offer would be attached. Sofi also emailed me back using the wrong name, which was concerning, but I assume an accidental oversight on their part.
Product: Debt collection

The following account is a result of identity thief and FRAUD ...... I have already filed a dispute with the 3 major credit bureaus, the following account WEST LAKE FIN ACCOUNT NOXXXX IS A FRAUD AND MUST BE DELETED IMMEDIATELY. Pursuant to 15 U.S.C. 1681 SCTION 602 A States I have the right to privacy .... Also it states under 1681 section 604 A section 2 : that a consumer reporting agency can not furnish an account without my written instruction...
Product: Mortgage

In the beginning of XX/XX/XXXX my Physician informed me that due to XXXX   unresolved medical issues it would be best for me to have a XXXX XXXX  ASAP. I was scheduled for XX/XX/XXXX. 

I had been XXXX ill for almost 2 years and the financial toll was increasing so my Husband and I decided to be proactive with our debts. We placed a call to Penny Mac Loan Services to discuss the possibility of a " short term '' reduction in our Mortgage payment. Our Mortgage was transferred to PennyMac in a repayment plan. At the time of the call our XX/XX/XXXX payment was paid. I called ans spoke to several representatives from Penny Mac about their process in this matter. Their instructions were to fill out a hardship application and NOT PAY XX/XX/XXXX MORTGAGE so that the current repayment plan would deactivate and then they could just redo a similar plan. Because we really did not have a bad experience with our previous lender, XXXX, we trusted the representatives advice. 

The reason that we spoke with 6-10 representatives is because the assigned point of contact for us, XXXX XXXX, never answered or returned our daily calls in the Month of XX/XX/XXXX. In XX/XX/XXXXour previous repayment plan that had us patient XXXX a month instead of XXXX to pay a few months that we were behind with another company. Pennymac returned with an offer of XXXX month for 3 months and then XXXX or more for the final month. 

I had to send in the same paperwork numerous times. I was on XXXX through my employer from XX/XX/XXXX-XX/XX/XXXX when we were given a XXXX monthly repayment plan. We desperately need help to save our home from foreclosure. We have until XX/XX/XXXX. We are currently appealing the denied Modification the we re submitted after being attempting the XXXX monthly payment. 

Sincerely, XXXX XXXX XXXX Pennymac loan number XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.
Product: Credit card

This company continues to assert they provided email responses to me a they have not. My email is XXXX. I have attached my countless emails to them and there are zero responses from them. I also reached out to USPS and they assert no paper statements have been scanned or delivered to the address they have on file. They do not provide any proof of conversations because they dont have any. This company is the most disgusting companies to ever do business in the United States. In the attachments you will see communication from my end and zero from them. They continue to attach an idiotic policy for mailing payments and I have mailed over {$1000.00} and only {$200.00} have been applied to my account. I receive zero payment confirmations and when I call in to try and resolve this I get an endless ringing with no answer or the person who does answer puts me on hold and it disconnects. The company responds to these complaints with no proof. I provide actual proof and they dont ask why statements are not being delivered to the address they just assert they have been mailed when the company who actually mails them shows a case open for undelivered mail and zero scans in on their part until XX/XX/year>. Literally zero statements until that date. I need this account settled so I can move forward with a discrimination, fcra and financial crimes lawsuit against them.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causeing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Loan #  XXXX  To Whom  It May  Concern : I reside at the property listed above, which is my primary residence.   I 'm experience difficulty with financing and the loan company of following through with hardship, I submitted a resident application mortgage included my Documents and pay stubs, on  XXXX   XXXX  ,2017 which  I received a denial letter on  XXXX   XXXX     2017, Bas e ' on the income was receiving was to high basically I made too much they quoted. On  XXXX   XXXX   2017 I g ot a phone call from my job explaining to me that the company I was contracting for did not extend my contract and I was now out of a job, but was grateful to gain another job for less money, So I reapplied another resident application to Ditech again with the standard documentation they needed on  XXXX   XXXX     2017, I r eceived a letter in the mail stating that they did n't get the income documentation part, I called ditech and explain to the customer service rep that I just started a new job and I do n't get a paystub or letter of employment not just yet but I do have my Proof of my  XXXX  documentation that show the amount I get a month of  XXXX  a month, they understood and told me to submit the document to them, On  XXXX   XXXX   2017 I calle d Ditech on  XXXX  to check the status and yet again it was denied I ask how did they determine the status they replied base on my  XXXX  and paystubs I never send them any paystub, so I was declined base off a faults information before I could explain it the situation they over talk me and hung up I waited on  XXXX   XXXX     2017, and  called Ditech back and got another customer service rep and I explain to her about the denial letter and she told me to write them appeal letter explaining everything I just explain to her and fax it over which I did submit the letter including a copy of proof of  XXXX  and my start date, rate and hours of my now employment .I waited fo r 48 h our and called back on  XXXX   XXXX     2017 to  check on the status of my appeal and the customer service rep told me that my the appeal was denied I ask why he said I did n't have no rights to appeal thank and bye and now all I get is a answering machine now. Please review my application I do n't believe I was reviewed for a loan Mortification properly.   I am schedule for sheriff sale  XXXX   XXXX ,    2017 Thank  you for just take the time to read this, hopefully I can hear back from you, my Phone number  XXXX  if you have any questions..   .    Sincerely Yours
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the validity of a Bankruptcy that's being reported on my most recent credit report. Upon Challenging this, XXXX ( credit Bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX  and Equifax they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information they used to verify this account in writing. If such documents can not be produced I request them to please DELETE this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. Experian and XXXX Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.
Product: Bank account or service

On XXXX XXXX, 2015 Citibank processed a charge against an expired debit card on my account for XXXX of {$47.00}. 
While the charge was shown as pending I called and notified Citibank and spoke w/ a representative named XXXX and a supervisor named XXXX XXXX 
Although I notified them that the transaction was unauthorized and made against an expired credit card the Citibank representatives said that since the transaction was done by an automatic payment system all the Merchant needed was the card number and that Citibank did not require an expiration date for the card nor a security number. 
All that Citibank would do in response to my complaint would be to issue me a new debit card and process a dispute. The charge would remain against my account.
Product: Checking or savings account

on XX/XX/2021 and XX/XX/2021 I was charged {$35.00} on XXXX payments which are automatic payments to the recipient. I called Wells Fargo and their point is that the wire fee needed to come out of the payment so that didn't leave enough to cover the payment that was automatically sent from the account. This is unfair banking practices towards the consumer. In a global pandemic, it is absurd to charge the customer on monies that have cleared the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times and the credit bureaus aren't abiding by the Fair Credit Reporting Act rules. Payments on my XXXX account were never late. It's impossible to go from current to 90 days late in less than a month. Yet they're continuing to report false information on my credit report. Experian and XXXX  needs to update my payment history correctly as never late and on time for XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have reports to Citi bank that the account they have opened under my name is a fraudulent account. I have never done business with the company and I have never opened any account with them they are are refusing to close this account and remove it from my credit report! This account has a balance with multiple fraudulent purchases and items sent to addresses I have never lived at!
Product: Credit card or prepaid card

Dear Chase, my name is XXXX XXXX. I open a Chase sapphire preferred card in Chase local branch on XX/XX/2021. When I apply for the card the opening bonus is XXXX UR points after spending {$4000.00} in 3 months. The banker who helped me apply for the card told me I could ask for a bonus offer match if Chase increase the opening bonus after I open the account within 3 months. I also sent a secure email on Chase.com to confirm this is true. 
However, Chase increases the opening bonus to XXXX UR points in XXXX with the same requirement. But when I call Chase to match the bonus offer from XXXX to XXXX, I have been declined as I have been told you don't do the match, even I have explained to him I have been told by the banker and also on the secure email. I would really hope Chase could match the offer as I have been told when I apply for the card, and that's the major reason I decided to open the card at that time. Please help me match the additional XXXX UR points to my account since I already fulfill all the requirements. Thank you!
Product: Money transfer, virtual currency, or money service

I made a purchase for XXXXEUR through a website and used Paypal to do so. I used a debit card and wanted my card issuer to convert the currency upon receiving the transaction. Paypal defaulted to converting the currency for me and charged me a fee to do so. According to my Paypal user agreement, it is my choice to have Paypal or the card issuer convert the currency. I called Paypal and after spending an hour on the phone and escalating three times, a woman named XXXX would not refund the conversion fee to me nor fix the issue. She kept telling me it is up to the merchant to decide if Paypal or the card issuer will convert the currency. I told her that was wrong and what my user agreement stated. Paypal has charged me an illegal currency conversion fee in violation of my Paypal user agreement and I want the money refunded to me.
Product: Checking or savings account

I filed a fraud report with my bank ( Santander ) due to some unauthorized activity that took place. The bank took action by freezing all of my accounts. Since this is the second instance of fraud involving this institution I decided to open a new account with a different institution XXXX XXXX XXXX XXXX XXXX. I was told by the representative with the fraud team at Santander that I could write a check on my existing account to fund the new account with the new institution XXXX XXXX XXXX. The reason they would allow for this exception is because I live four hours from the closet Santander branch. I was told that I just need to call the fraud team, give them the check number, amount, and the name of the depositing bank, which I did. A few days later I was notified by my new institution ( XXXX  ) that the check I wrote to fund the new account was rejected by my old bank ( Santander ). I have been calling for two days trying to speak with a supervisor and to get someone to authorize a wire transfer so I can move my funds from the old bank ( Santander ) to the new institution XXXX XXXX XXXX. I have spoken with at least three different reps an no one has been able to assist. I am being left on hold for hours on end only to be told that someone will call me back and then I do not get a call. Santader is has $ XXXX of my money and is now allowing me to access it.
Product: Credit reporting or other personal consumer reports

ON XXXX I NOTIFIED TRANSUNION BY CERTIFIED MAIL XXXX THAT DEBT TO XXXX XXXX XXXX AND XXXX XXXX XXXX  WHERE NOT MINE OR AUTHORIZED BY ME. I RECEIVED THE SECOND FORM FOR DISPUTING A CHARGE TO WHICH I ALREADY DID MONTHS AGO. MY CREDIT SCORE WAS XXXX AT THAT TIME AND THE PHONY CHARGE LOWER IT TO XXXX WITH ANOTHER COMPLETLY DEBT THAT I AM DISPUTING AT THIS TIME. AS I REMEMBER XXXX PLUS YEARS OF CREDIT REPORTING I DO NOT REMEMBER ANY BAD DEBTS ON MY REPORT.
Product: Debt collection

This company has sent me a collection notice of a credit card debt that I am already paying to another collection company out of XXXX XXXX and have been for a while. They are attempting to settle this debt but has sent no proof that they have been contracted by the original creditor or the collection company I have already been paying to.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is conside

red identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscore
s the importance of addressing and rectifying this matter promptly and responsibly.

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

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, Equifax and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Product: Money transfer, virtual currency, or money service

Part of the letter I sent to Wells Fargo Bank in an attempt to resolve the issue : I am writing to you regarding the above matter in which Wells Fargo Bank apparently held/diverted money I deposited into the account of XXXX a customer of Wells Fargo into Collection. The above {$1000.00} was purposely deposited into this account to be used to fund a youth sports team in my home country The XXXX who needed financial support to travel overseas for a competition. They needed help at the last minute because the funds they were expecting got entangled in the bureaucratic government web. I received a call from the team leadership frantically asking for my temporary support until they can get things hatched out. The team was set to travel within a few days. 
Out of love for my country and concern for the youth who would have been devasted had the trip been canceled, I asked for an account in which to deposit the funds through XXXX. The account number of XXXX was given to me by one of the teams managers and we tried to reach out to him to verify details. Once I was given the green light, I disbursed funds from my own account at XXXX  as you already know putting on hold a very important project I was working on. 

It turned that the account holderXXXX owed Wells Fargo some overdraft fees in excess of {$1000.00} and that the account was either suspended or closed. For Wells Fargo to have total disregard of my situation and hold on to these funds because they were deposited into a closed account or one in Collection shows the type of corporation Wells Fargo is. It is illegal to hold my money hostage in a dispute that doesnt involve me. Wells Fargo doesnt have a very reputable name in the public domain and I intend to send my complaint to a reputable news outlet if this situation isnt amicably resolved within 30 days of this letter. {$1000.00} is a lot of money and it was through hard work that I got this money.