23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I was a loyal XXXX customer for over 12 years having a one time, 10 lines on the account. Despite being laid-off twice, I never, ever fell behind on a single payment ( or any other account for that matter ). Due to XXXX  poor service and overcharges, we began cancelling lines in XX/XX/XXXX with the last line being cancelled on or about XX/XX/XXXX. I asked several times starting in XXXX, if there was a balance and was told no. We closed in good standing with our autopay on XX/XX/XXXX. On XX/XX/XXXX, we had another auto-pay of {$110.00} ( after the account had been closed ). This charge was for the wrong device ( XXXX XXXX ) on line ( XXXX XXXX XXXX which had a fully-paid XXXX XXXX. Statement shows {$0.00} balance. 

For background, I did purchase a XXXX XXXX with a off promotion exclusively for line XXXX XXXX XXXX XXXX. The device was paid in full in XX/XX/XXXX, but XXXX continued to charge as if it were regular price. XXXX actually over-charged me {$240.00}. When XXXX called me, I explained the situation but they still sent me to collections. This is a scam by XXXX. 

I received a call from XXXX XXXX and a letter for them dated XX/XX/XXXX, for an amount of {$140.00}. I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. 

I received a call from XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$440.00}. I explained the situation, and that I disputed the charge. Never heard back from them. 

Then, I received a call from XXXX XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$150.00}. Again, I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. On or about XX/XX/XXXX, XXXX had the charge listed on my credit report. 

I once again dispute this charge and I am confident this charge is in error. I am requesting debt validation with a full payment history, copy of all notes on the account, and why the charge mysteriously appeared over 3 months after I announced that I was cancelling service and almost 2 months after the account was closed. 

I further request to have the collection account promptly removed from my credit report. 

Thank you. 


XXXX XXXX
Product: Credit card

Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity.
Product: Mortgage

On XXXX XXXX, 2016, we closed on a new house with a Mortgage from XXXX Bank and we made our first mortgage payment on time for XXXX XXXX, 2016. In late XXXX, I received a call from Freedom Mortgage saying they had purchased the mortgage from XXXX Bank. During this phone call, I asked multiple times where or who do I send my XXXX XXXX payment to and was told multiple times, I would skip my XXXX XXXX payment. I have since found out Freedom Mortgage has a recording of this call. 

On XXXX XXXX, 2016, I received a call from the collections agency of XXXX Bank ( now XXXX Mortgage ) informing me that my XXXX XXXX payment was late. After talking with the multiple people, in collections and customer service, I found there was no record of the mortgage transfer in XXXX 's system. As XXXX Bank just merged into XXXX, I was told later, it 's likely an error during the merger of the data from XXXX system to another. 

On XXXX XXXX, I also made multiple phone calls to Freedom Mortgage, the first XXXX people I spoke with again told me I did not need to make any XXXX XXXX payment, it was only until I spoke with a supervisor that I was told I did. I immediately disputed this and asked for them to pull and review the call. I also found out that a payment has been noted as being made to my mortgage account on XXXX XXXX, 2016 in Freedom Mortgage 's system which I did not make. 

I was very careful to ask, and asked repeatedly of Freedom Mortgage where to send my XXXX XXXX payment and was told repeatedly by multiple customer service representatives that I did not need to make this payment. The initial phone conversation with Freedom Mortgage made it clear to me that the loan had been sold and completely transferred to Freedom Mortgage as well. 



I took considerable effort and time in reviewing this issue with the Freedom Mortgage representatives before skipping a payment and was lead to believe by Freedom Mortgage that XXXX Bank XXXX XXXX no longer had any interest or ownership over my loan in late XXXX.
Product: Credit reporting or other personal consumer reports

Good afternoon, I applied for a mortgage with XXXX XXXX  and they did a credit check and there is an XXXX XXXX XXXX  on my credit report showing a balance of {$500.00}. I dont have an XXXX XXXX XXXX and I have never apply for an XXXX XXXX XXXX therefore this XXXX XXXX XXXX shouldnt be on my credit report. 

Kind regards, XXXX XXXX
Product: Debt collection

I have reached out to wells Fargo on a number of times to ask them to remove this credit card account from the credit bureaus. I paid the date off a couple of years and they agreed to remove from my credit report and it has been listed on my credit reporting agencies for over 8 years now.
Product: Student loan

I am a XXXX  that qualifies for the public servant loan forgiveness program. I am trying to find out how many qualifying payments I have made toward the 120 required payments. I called in XXXX of 2016 to get an answer and have called repeatedly with no success. They keep telling me that they working on finding out, but my file is still pending.
Product: Checking or savings account

On XX/XX/2022XXXX XXXX XXXX XXXXXXXX unknowingly withdrew money from my account that was not authorized. This was an over payment on. A loan that had already been paid in full. I demand a full refund from Cash App, the bank that authorized the transaction. The total amount debited was {$1100.00}. This is criminal and I want someone held liable.
Product: Student loan

Navient holds the three unsubsidized FFELP and two Subsidized FFELP loans that were acquired while attending XXXX University. As I have informed Navient that XXXX University loss it accreditation and I did not received my degree/certificate. Tis can be verified with the XXXX XXXX XXXX. I was informed since the school closed at no fault of mine that I would be entitled to forbearance/forgiveness, since I was not granted a degree of completion. I have written to informed Navient that I am also in a XXXX 's XXXX and my credits will be transferred. 

I continue to receive harassing phones calls beginning at XXXX throughout the day until various times in the evening up until XXXX. On most days excluding the weekends I will receive 7 to 8 phone calls, no response to any written correspondence that I have submitted and I also receive numerous harassing emails weekly. I would have no problem paying my debt, if I had received my degree before they closed the school. 

Why am I being harassed for XXXX losing their accreditation!
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM INPATIENT XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS INPATIENT AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH CHA LAW FIRM HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF XXXX. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH XXXX XXXX AND HAVE XXXX IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I DIE BECAUSE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX BANK TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

XXXX BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over 709 Transunion has me at a score around 490. That is a huge difference. Transunion paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX. PLEASE HELP ME PLEASE im XXXX  now.
Product: Checking or savings account

I sent the below letter to Citi Bank after calling them and not getting help from their call center. 


Dear Citi, You closed my account abruptly on XX/XX/XXXX, however I had a bill pay that I made to XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$750.00}. XXXX has not received this. I have called customer service many times and they can't help. My prior account number with Citi ( checking ) was XXXX. Debit card ends in XXXX. Please advise.
Product: Mortgage

My current XXXX fixed rate mortgage with LoanDepot for my home at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX is 6.99 %. I reached out to LoanDepot and started a refinance process around XX/XX/year> for a XXXX fixed rate of 5.99 %. LoanDepot took forever with the refinance process ( my rate lock was going to expire on XX/XX/XXXX ) and put me and my wife XXXX through the wringer under the pretext of following " the process ''. They kept asking for several documents over a period of several WEEKS! Despite having reservations about the confidentiality of data and data privacy, I went ahead and shared ALL documents including complete paystubs of both myself and XXXX as well as complete bank statements and yet, the LoanDepot underwriting team kept dragging the process on and on till XX/XX/XXXX ( note XX/XX/XXXX was the last date for lock expiry ) each time asking for MORE AND MORE information. At first they claimed it was to validate the source of funds for our extra principal payments [ we are honest citizens who have been using our own savings to pay off extra principal on our mortgage ]. Still, after all those transactions were validated, as late as XX/XX/XXXX they started nitpicking on some OTHER unrelated transactions that they saw in our bank statements. Throughout the process, I did not receive any periodic updates on what was going on and I had to proactively send text messages to my loan officer XXXX XXXX asking about this. I am extremely ANGRY and upset at the shoddy and unprofessional execution of this process by LoanDepot. I kept imploring that I be allowed to have a conference call with the underwriting team to explain everything in one go, but they refused even there. Out of sheer frustration, I finally asked them to CANCEL the refinance request. However, I want to ensure that they are held accountable, and others do not suffer through what we have. Lastly, the mortgage rates have gone back up now and so we are stuck at 6.99 %. LoanDepot has left us high and dry.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items 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 XXXXXX/XX/year>
Product: Bank account or service

I 've been with Wells Fargo for 22 years since they were Wachovia and before that XXXX XXXX. 
I have several credit cards, accounts and a line of credit with them and this past Sunday I had a payment due on my Personal Line of Credit for {$300.00}. I have it setup to automatically pay from my checking account, but I was in my account so I went ahead and paid it thinking it would stop the automatic withdrawal. It did n't and both payments posted causing my checking account to be at XXXX. Then Monday two payments hit my checking account triggering XXXX over draft charges. I immediately called Sunday trying to stop XXXX of the payments when I realized my error and they were n't able to stop the payments in time, but they did refund XXXX of them to my checking account and I was told to call back and request a refund of the over draft charges after everything settled. 
I have XXXX problems one I do n't feel I should have to pay these over draft charges because if I had n't made the mistake the {$300.00} was more than enough to cover the charges I had coming through my account so I did n't need to use over draft services. 
Second I want to complain about how I was treated on the call this afternoon by one of the Supervisors - XXXX, when I asked for my money back. XXXX could have easily been a robot talking to me. She stated the company policy and from the time she opened her mouth I could tell I meant nothing to her and neither did my 22 years as a loyal customer with them. In the end I think I 'm more offended by that lack of regard than by the loss of {$40.00}. She was such a smart aleck that she even stated I could cancel the over draft services if the fee was too high. Total disregard for me as a loyal customer and when I mentioned that I had been with this bank for 22 years and asked her how long she had ( because I wanted to know if she was from Wachovia ) she cut me off and said how long she has been there has nothing to do with the banking policy. 
The sad thing is I train customer service reps and there were many different ways to handle this situation, Wachovia/XXXX XXXX would have either explained the policy and offered a courtesy refund or I have even had them split the difference with me, but to be out right cold and brutal, they would have never done this. 
I stayed with this bank so long because I expected loyalty back as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax, XXXX andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Product: Debt collection

recently checked my credit report it is showing XXXXXXXX XXXX XXXXXXXX has an open account with a balance of XXXX not only is medical not supposed to be reports. im confused as to who and why its on my account ive never been or received treatment through any facility there associated with. under fair credit reporting act using 15 u.s.c 1681
Product: Checking or savings account

On XX/XX/XXXX XXXX overdrafts my account by XXXX dollars. Then between XXXX I was hit with automatic withdrawals that I had forgotten about. On XX/XX/XXXX I was charged XXXX overdraft fees totaling XXXX dollars. The following day I was charged XXXX more over draft fees totaling XXXX dollars. I called and tried to explain yo the company that the overdrafts were completely accidental and not like me. Despite speaking with several different representatives the company refused to reverse all XXXX fees. I requested to have all XXXX reversed during a phone call as well as in person with a personal banker at the branch. The representatives only agreed to reverse XXXX fees despite the fact that I explained to them the funds that are being taken from me are needed for rent and food. The company reversed only enough for me to not overdraft my rent payment but I was left with nothing to pay for food which has cause undue stress in my life because I had the money and this company just arbitrarily took it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.