23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a vacation home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$400000.00}. We took the mortgage in the amount of {$320000.00} from Wells Fargo mortgage office in XXXX XXXX  ( no longer here ). Throughout the process we were given a XX/XX/XXXX year mortgage rate somewhere in the XXXX % ( can not recall the details ). A XXXX  of days, right before the closing, we were trapped by the Wells Fargo agent into paying a much higher rate, somewhere in the XXXX % range. We were told that this was what Wells Fargo was willing to offer at that time and could not be changed. We complained verbally trying to get a satisfactory solution to the problem, to no avail. So pressed with the closing deadline we had no choice but to agree to take the higher rate. Since the rate appeared to be still in the " semi reasonable '' rate, we did not press the issue afterwards. Now, I come to find reading the news, that this was a common, '' fraudulent '', practice Wells Fargo was involved in and it has been a subject of federal investigation and consumer settlement. We held and paid the mortgage until XX/XX/XXXX, when we sold the property.There was XXXX rate revision after XXXX years. I am sure the Wells Fargo records will reveal fully support this claim. Any assistance you can render advancing this claim against Wells Fargo will be greatly appreciated. Respectfully submitted. XXXX
Product: Checking or savings account

Product ordered XX/XX/XXXX - received incorrect product XX/XX/XXXX. 

Paid XXXX - item received valued ( by same site that valued original item ) at XXXX ( attached image of received item ). 

Disputed but denied based on the attached evidence ( doc1 ). Half of the pages are blank or entirely black. Seller also never provided valid shipping information. Same seller now has the SAME item listed as for sale. Seller also sent message boasting ( and admitting ) about successfully scamming me ( also attached, inappropriate language by seller ).
Product: Credit reporting or other personal consumer reports

Collection Accounts : XXXX XXXX XXXX ( XXXX ) & XXXX XXXX ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879. ) Effective Date Section applicable only with respect to debts for which the initial attempt to collect occurs after the effective date of this subchapter, which takes effect upon the expiration of six months after Sept. 20, 1977, see section 818 of Pub. L. 90321, set out as a note under section 1692 of this title.
Product: Debt collection

I got a line of credit through kay jewelers on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the military in XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named XXXX XXXX XXXX and want to collect a debt I had acquired with Kay Jewelers. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in XXXX weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my Judge Advocacy General for guidance.
Product: Credit card or prepaid card

I had Payoff this Credit Card, which had a balance of XXXX on XXXXThe name of the credit Card company is Milestone ( genesis ) But I receive a statement in XXXX of XXXX  with a charge of XXXX which I. did not recognize and did not authorize, See enclose statement. I had call them about this charge, but they never investigate and until this date have been demanding, payment without any proof, that I owe them this charge. 
not only that, but have added late fee 's, in the amount of {$130.00}. I had a Law firm, to write them about this dispute and send proof of this charge, but to no avail.

On top of that, they have reported it to the credit bureaus and have ruin my credit report, has a past due account. I have enclose documents of proof that it was pay off. 
Also a payment of payment {$15.00}. with the letter from the Attorneys.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
account name : XXXX account number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelle 's handling of disputes, particularly in light of the present CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unbearable. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

XXXX billed me for {$350.00}. I contacted them in XXXX of XXXX. We agreed that I would pay {$170.00} each month. I requested an updated bill which would also reflect the payment that I made by phone. The XXXX representative I spoke to assured me I would receive an updated statement that would reflect my payment as well as my remaining amount due. They did not send me an updated bill. Then, on XX/XX/XXXX, I received a notice/bill from Medicredit ( a debt collector/collection agency ). They demanded I call or submitted payment. I believe they may have called as well, but the calls sounded like fraud attempts to me and I ended them without giving my information. We called Medicredit 's number on the notice and paid them the {$170.00} on XX/XX/XXXX. The person that assisted us hid behind not knowing why the collection amount was forwarded to them. When I called XXXX, there was no one that even sounded like they knew how to address this. Consumers fear that their carefully built up credit that has a decades long history will be affected by even one or maybe more instances where a company 's representative 's carelessness, disinterest or ignorance causes action by their employer. In addition to this, its important to mention that I have had several visits and stays within the XXXX network since XX/XX/XXXX and have had to address numerous incorrect billings from them. Fortunately, I found a contact within my insurance company who has helped me correct incorrect billings, such as inflated bills, bills from medical professionals I never saw, and even an XXXX  bill on the same date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which I was billed for ). I believe many consumers will agree that the fraudulent billings from doctors, doctors ' offices, and other medically related companies are rampant and have been for a long time. Some of the insurance companies and the way the whole system is set up also don't help. It will be difficult, but the entire system, laws, and dishonesty needs to be addressed and changed. For now, I worry about my close to perfect credit rating and ask XXXXMedicredit to reverse any derogatory actions on my credit file. XXXX should monitor and review the way they do things. They should also require proof for bills they submit on behalf of medical professionals. Prices can be much lower for healthcare if the fraud is curbed.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed that there are several inquiries listed which I did not authorize. These inquiries are negatively affecting my credit score and do not reflect my consent. 
The Fair Credit Reporting Act ( FCRA ) requires that credit inquiries be made only with the consumer 's permission. The following inquiries appear on my credit report without my authorization:1. XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XXXX XXXX - XX/XX/year> XXXX. XXXX - XXXXXXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, I am entitled to have these unauthorized inquiries removed from my credit report. Please investigate this matter and remove these inquiries from my credit report immediately.

Enclosed with this letter are copies of my identification and proof of address to assist in verifying my identity. I appreciate your prompt attention to this matter and request that you provide written confirmation of the removal of these inquiries from my credit report within 30 days.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX from Bank of America contacted me on XX/XX/year> at XXXX to inform me that the complaint about the XXXX XXXX XXXX  transaction wasnt Bank of Americas negligence it had to be my error due to making two transactions at the same time. XXXX XXXX offered to change my debit card to resolve the issue, I said no because I had changed the card three times already and I told her it was because of double transactions. She continued to say that it wasnt Bank of America negligence it had to be me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Loancare services the mortgage on my investment property. Last year I was {$1000.00} short on my escrow. I want to plan and budget in the event there is a major shortage this year so that my mortgage payments are not jeapordized. I have never been late nor have I ever missed a payment. My plans are to continue being a responsible homeowner. 

On XX/XX/2020, at XXXX XXXX Central time, I called Loancare ( XXXX ) in an attempt to get an approximate amount of my escrow balance. XXXX answered the phone. I stated my request. He said that my escow hadn't been reviewed so he had no way of calculating what it might be. I know this isn't true because moments before I talked to representatives from XXXX XXXX and XXXX. Both banks gave me the information despite that fact that my annual review hadn't been done. I shared this information with XXXX. He insisted that he could not provide a figure. I asked to speak to a supervisor. He placed me on hold. After about an hour on hold, I hung up and called back. XXXX answered the phone. I posed the same question about my escrow balance. I told her of the issue I had with XXXX. I told her that once she addressed my issue I wanted to speak to a supervisor. All of a sudden, she said she could not hear me. The line went silent. She never addressed my issue nor was my call forwarded to a supervisor. 

I simply want professional, non-vindictive, courteous customer service. It's all about meeting my financial obligations to my loan in a manner that ensures the loan is kept current.
Product: Debt collection

I recently started a job, and today I received this email from the receptionist : Hi, Someone from Allied Interstate , LLC called a couple times today for you. you were n't in the office and I transferred him to voicemail. He chose not to leave a message and called me back a few hours later. 
I suspected this was a solicitor. When you were n't available, he asked who you report to. I asked what it was regarding. The caller became aggressive and would n't tell me what he wanted, saying that what he was calling about did not affect who you report to. He gave me information about a debt that I should n't know about. When I told him you were n't in, he hung up on me. 

This is a new place of business and my boss has mentioned this to me. Places like this want to collect you 're outstanding debt, but this is now reached harassment at the workplace and these tactics have placed me at risk of losing my job. In that respect that means " No job=no money ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Vehicle loan or lease

We went to XXXX XXXX XXXX in XXXX WV to purchase a new car for my military son stationed in Kansas. Well needless to say that my husband and I are both XXXX with limited income and this was all explained to car lot. Well we got a XXXX XXXX XXXX that we really didn't want but we were going to Missouri to see my son and he needed a vehicle to go on to XXXX XXXX well payments were {$500.00} which was alot higher than we asked for and they put the car in our name not my son 's so it went on our credit. We put {$2000.00} down of my son 's money and he paid {$500.00} monthly till he came in on leave. We went to car lot to trade the car in for a vehicle my son wanted well they wouldn't take the car on trade because they'd lose money cause car we were paying way over what car was worth I volunteerily surrendered the car to Santander and they sold it for over XXXX We had paid over {$8000.00} already so they wanted XXXX more and I said no the car wasn't worth that and they agreed to drop it and it was off my credit report for months and then all of a sudden it's back on there and they are calling us after over a year of not bothering us. This company and car lot have been in trouble before on getting outrageous loans for people who can't afford them so they make a profit. My husband has XXXX XXXX and is not compent to enter into loans they were aware of this but guess whose name is main principal. So that's illegal and we've lost enough money over this we just want it off our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Product: Checking or savings account

Capital one promised me high interest savings account and did not uphold their promise of crediting high interest being, even though them being 480B company.
Product: Bank account or service

I have been trying to close my account and the bank wo n't let me because they said that my account has to be {$0.00}. I wanted them to either send me the money back ( in form of a check ), or send me a bill for whatever amount is due. Because the account is not closed, automatic debits keep hitting the account and continuing to charge me fees. My point is that it 's a bank. Either send me a check for the amount in the account, or bill me. But I want the account closed.