23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Planet Home lending refuses to show the reversals the misapplied payments by them. 
Here is a {$300.00} payment proof in their papers it took 4 months to apply to ESCROW Proof of Planet blaming prior server it was thier fault.Proof it was PLANET USING MY LOAN TO PAYMENTS FOR TAXES .Planet put as prinicipal curtailment OTHER SAME ACCOUNTING shows in this attachment. At what point do I get Planet Home lending to stop LYING? Here is proof PLANET REFUSES TO TAKE A {$650.00} REFUND FROM XXXX XXXXXXXX XXXX cashed by XXXX ON XXXX proof from XXXX XXXX XXXX .I did not get it minused from TAXES PAID BY XXXX  who told CFPB they would forward any more refunds after I SUPPLIED PROOF from XXXX XXXXXXXX XXXX they did not pay what they said they paid ALONG WITH PLANET NOT CREDITING THE BOGUS ESCROW ACCOUNT THAT the refunds and my payments Showed XXXX owed me {$1700.00} + $ XXXX= {$2400.00} -- {$700.00} BY XXXX left {$1700.00} ( refund of {$650.00} ) XXXX  knew was mailed to them and they mailed it back see letters from tax office finally cashed XX/XX/XXXX letter attachedleft {$1100.00}. I paid + {$760.00} XX/XX/XXXX + I paid {$380.00} to Planet XX/XX/XXXX see the demand letter saying i was seriousley behind close to forclouser Amount took care of {$1100.00} meant XXXX  OWED ME {$37.00} ADD THE OTHER Refund XXXX  received {$54.00} XXXX XXXX XXXX = {$92.00} owed to me.I NEVER missed one payment see letter and proof in attachment which .Planet would show no escrow then redirect same payments NOT DEDUCTING FROM ESCOW UNTIL XX/XX/XXXX NEVER SHOWING A REAL ACCOUNTING in the FAKE ANSWER SAYS MY ESCROW ACCOUNT IS NOW {$410.00} ON THE ONLINE I CAN NOT GET info what i pulled up in HISTORY DOES NOT MATCH THE ACCOUNTING I JUST SENT YOU! 
this is SERIOUS PLANET NOW HAS STARTED THE SAME THING AGAIN I AM AFRAID TO PAY MY TAXES LIKE IN XXXX I GOT BACK {$700.00} IN REFUNDS XXXX  GOT BACK {$1300.00} I PAID AGAIN TO PLANET XXXX  XXXX ANOTHER {$1.00}, XXXX WITH {$480.00} REVERSAL FROM investor with {$310.00} so many charges some reversed NO WAY TO HIT BOTTOM WITHOUT A REAL AUDIT ... ..NOT BY PLANET XXXX  even put on XXXX XXXX to the IRS THEY paid {$2000.00} ( EXACT ILL HAVE TO send to you.When they refused to accept the {$650.00} refund sent back to XXXX XXXX who resent it again Finally cashed XX/XX/XXXX almost 2 years later.I still do not have it credited to my escrow account.Planet says in the response .XXXX  PAID {$1700.00} XX/XX/XXXX + {$750.00} {$2400.00} ( ACCEPT REFUNDS ) {$700.00} NO MENTION of the misdirected {$300.00} took from XX/XX/XXXX to XX/XX/XXXX to BE APPLIED three diffrent ways planet applied the payment.Used it as a princinpal curtailment ALONG WITH OTHER PAYMENTS TO LATER WHEN I COMPLAINED TO CFPB they reversed some of it
Product: Debt collection

On XX/XX/2021 I terminated a contract for XXXX XXXX and returned the equipment ( router and EMTA ) via a XXXX store. The next day moved I moved out of an apartment in New York. Also on XX/XX/XXXX a claim for {$120.00} was sent by XXXX to debt collections agency I C Systems. From my XXXX bill for XX/XX/XXXX I can see that a {$120.00} charge for unreturned equipment was added to my bill. Yet on XX/XX/XXXX a XXXX service agent confirmed that my equipment was received on XX/XX/XXXX and no balance was owed. I now have a derogatory mark for an account in collections which has significantly damaged my credit. I disputed the account vis XXXX and they rejected the dispute claiming the debt was valid. 

I have proof of all of this : I kept my XXXX  receipt ; I have billing documents from XXXX ; I have the credit report information showing the account was opened on the day I returned the equipment. I have contacted XXXX who confirm there is no balance owed and are writing a letter to that effect. I have attempted to dispute with IC Systems ( results TBD ). 

I think I will eventually be able to resolve this for my account but it has taken up hours of my time and delayed my access to financial services ( I was trying to apply for a credit card which my current score would not qualify for ). My partner and I also wish to purchase a house next year and this could cost us a fortune ( or months of our lives ) if it is not resolved. Light googling reveals plenty of other people suffer the same treatment and many of them were less fastidious record keepers and are simply out of luck. This is also the *second time* I have had issues with XXXX for non-return of equipment so I know it is routine ( and is why I kept all documents ). 

It is, in my view, extremely unethical and should not be legal to send a bill for unreturned equipment to collections prior to the end of the window for equipment to be returned plus some buffer for things to actually be processed. It is an attempt to collect on debt before it is even possible for it to be owed. I am certain that as a scare tactic it cows plenty of people into paying and pads XXXX bottom line.
Product: Checking or savings account

Friday I recieved something in the mail showing XXXX XXXX with my address that nobody is suppose to have except Government Agencies and my job. This person is my biological sisters name. Ive not given out my address to no body I just moved here XX/XX/2022. Yet it shows a card from Truist Bank thanking for my account. So I contacted the fraud department and they stated on the automated system for me to type in my social security card then it prompted me to put in my debit card info which I didnt know because I dont bank with this bank never have. Finally got a fraud specialist on the line and he stated that there was an account open in my name but refuse to give me any more information on it and stated he closed it out. But that wasnt enough because he didnt seem so sure about it when I asked to speak to his supervisor he refused to allow me to. Basically my sister name was linked to my residential address without my consent and this make over 10 times this has happened in the past 3 years. Everywhere I move or even with my XXXX XXXX XXXX her mail starts to come to my address. We have not lived together in decades.
Product: Debt collection

Dear Caine & Weiner, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor. 
Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt. 
Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

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

On XX/XX/2022, I was on a XXXX XXXX XXXX XXXX when an offer to set up a XXXX account appeared. It was, I believed it was and was presented as such, an offer to open an account for purchases made for shipping, tracking orders, and to facilitate check out with ease as I had made purchases on line with the XXXX XXXX previously using my bank card. Before I knew it I was being asked income and social security number and date of birth in addition to other demographics and when I hit submit, it apparently generated an Inquiry on my credit bureau report erroneously. I called XXXX to remove the inquiry as an error and after hours of aggravation, hold times, rude people I was told " No '' by a person named XXXX. I explained I felt I was duped into going down a " rabbithole '' I never intended to go, that this was unfair and deceptive and also wonder how many others were so tricked, to wit XXXX told me " Oh when you hit submit you gave us permission '', which I never did. I feel XXXX engaged in Unfair and Deceptive practices. I have since unsubscribed from the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The individual consumer Plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC XXXX XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. INTRODUCTION XXXX. Equifax plays a central role in the modern American economy, collecting and selling vast amounts of data about the most important details of consumers financial lives. That datanames, birthdates, Social Security numbers, credit card information, drivers license numbers, and morecontains the keys that unlock a consumers identity and is relied upon by third-parties to make major financial decisions affecting almost all Americans. Equifax understood it had an enormous responsibility to protect the data it collected and assured the public that : At Equifax, the security of our customers information is paramount. But, as its former XXXX has acknowledged, Equifax has not lived up to that responsibility or fulfilled its public assurances to protect Americans confidential information. XXXX XXXX XXXX. The individual consumer plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC ( XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. My Personal information have been compromised. Etc.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit card or prepaid card

I made a small purchase in in XXXX of XXXX. Paid the balance of in XXXX XXXX. Because of delays in mail delivery. I discovered that the payment was a day late. Upon receiving the bill for {$14.00} I called and paid the late fee this was on XX/XX/XXXX. I received the bill after the due date for XXXX XXXX called and how could I have a late fee on a XXXX balance. this bill had two o late fees for {$14.00}. they could not explain it. so. they reversed those XXXX fees. once again, I received a bill in XX/XX/XXXX with a balance of {$58.00} the supervisor refused to correct the fee. I closed my accounts and asked to be removed from all of their sister companies catalogue mailings. Well, here we are in XX/XX/XXXX new bill says the balance is {$89.00} with a new late fee of {$30.00}. I have been with them over 10yrs and never missed a payment. always paid the bill right off. They have lost a customer and don't seem to care about.
Product: Student loan

Dept of Ed/Nelnet was sent a police report to remove the fraudulent accounts off of my credit report and this was not done.
Product: Mortgage

Loancare offered me a modification in XX/XX/XXXX, but it was still not affordable for me and I missed one of the required payments. I called Loancare to discuss and was finally advised to submit a request for assistance online to avoid foreclosure ( the CSR I spoke with specifically advised that foreclosure would not proceed as long as I've formally applied for financial assistance. On XX/XX/XXXX, I submitted a financial assistance application online. I entered all of my financial info & submitted proof of income. I have a PDF copy of the application that is date stamped by Loancare 's system confirming the date and time the application was submitted. When I called Loancare in early XXXX, I was told that a response could take a few weeks, so I wasn't alarmed that 3 weeks later I didn't have a response. 

On XX/XX/XXXX, I received an advertisement in the mail from an attorney offering to help me with my foreclosure suit. I immediately called Loancare and learned that I was 'too late, the foreclosure suit had been filed & signed by the judge on XX/XX/XXXX. ' The CSR further stated that there was no record in the system of my XX/XX/XXXX application. The only assistance he could offer was for me to apply again and he emailed me yet another application. 

I should add that this was my 3rd application since XX/XX/XXXX ( 5th application overall submitted in XXXX ). The other applications were mailed to me and I mailed them back and somehow, they were never received or found in the system. This is why on XX/XX/XXXX, I decided to apply online when I learned that was an option. 

This error has cost me thousands of dollars. I don't have the exact amount, as I've been waiting for 8 days for a reinstatement letter from Loancare to show me the breakdown of my costs. As an additional example of the incompetence of this company, I specifically requested to have the reinstatement letter emailed to me ( as I have a loan pending to bring the mortgage current ). Yet another mistake was made & I learned this morning that the letter was mailed to me via USPS. I have spent most of this morning calling & emailing and as of XXXXXXXX XXXX, I still don't have a copy of the letter that Loancare can see in their system. 

My evidence is as follows : 1 ) Attachment A is a screen shot showing that once all of your financial assistance application is entered, the system generates what's referred to as a XXXX form, or summary of what you entered. This screen shot was taken today for illustrative purposes. 
2 ) Attachment B shows that once you indicate your consent, the system auto signs your name and places a date/time stamp. The only way to obtain this document is through Loancare 's online mortgage assistance application. 
3 ) Attachment C is my online application - signed and dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX-XXXX-XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX , XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX, Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # XXXX-XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not mine. never herd of business. Did not open this account. Identify thief. 
I have never done business with XXXX XXXX and do not know who they are. 
Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$530.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$530.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX
Product: Debt collection

I had a XXXX XXXX  account ( account # ending in XXXX ) and they incorrectly charged me an additional month after fulfilling my 12 month account when I canceled and also charged me {$50.00} for returning the equipment, which did not make any sense. I disputed both and they said they would get back to me. I heard nothing from them until I got an alert on my credit report that I have a collection from Credit Collections. I was given a phone number that led me nowhere and XXXX only said that's the number they have and no further information. 

This is a very big problem with XXXX and this very suspicious collections agency. I am unable to speak with them and this is impacting my credit unfairly and what should be unlawfully. They have no basis in putting a collections against me and I would like this to be investigated to remove their ability to do this to me and other consumers.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have inaccurate information and I submitted a dispute over 30 days ago, information came back verified and it has been 30 days since I asked for proof of verification and still have not heard anything.
Product: Mortgage

Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.
Product: Checking or savings account

I had a mypay feature in my chime account that was disabled without my authorization by a specialist while I was on the phone with them now when I called to receive my funds back and told me I needed to pay a additional XXXX and wait 3 days to get the feature back which didnt guarantee my money back they did nothing but hung up on me several times without providing appropriate help and kept talking in circles and giving me false information
Product: Mortgage

Notice of Demand and Deposition This company illegally rescinded in a mortgage transaction it has no right to do according to Federal and the state of Florida. Their illegal action, violation to the right set forth by the Truth in Lending Act ( TILA ) and lack of caused {$350000.00} in damages of which Rocket Mortgage owes to the victim, XXXX XXXX XXXX, in tacit procurement.
Product: Debt collection

Hello We're not sure what this debt is nor can we verify any of this information as it's not a medical location we have visited. Given this is the first we've heard of it -- and they are claiming it's from XXXX of 2020, we are thinking it's fraudulent. 

This is the only blemish on our credit report, and having this debt collection company hang up on us when we asked questions, then just send us a letter doesn't feel like it's credible. 

We would like this debt removed since they have been unwilling and unable to provide any further information and we have no records ourselves of this supposed " bill ''.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL this complaint is for Equifax failure to follow the guideline of the law is a violation of willful noncompliance ( 15usc 1681n ). 1- as a victim of XXXX XXXX Consumer Reporting Agencies have up to 4 business days upon receipt of the Submission to temporarily block the identified Adverse Information from Consumer Reports. 1022.142 ( e ) ( 1 ). 2- After the block Consumer Reporting Agencies have up to 5 business days upon receipt of the Submission to contact the Survivor or their Advocate about any missing information regarding their Submission, if needed. 1022.142 ( e ) ( 2 ) ( i ). 3- - Consumer Reporting Agencies have up to 25 business days upon receipt of the Submission to make a final determination about whether the block will remain permanent, or the block will be rescinded. 1022.142 ( b ) ( 6 ) ( ii ) ( B ).

To whom it may concern, I am a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX  : Equifax : - Public Record : XXXX XXXXXXXX bankruptcy dismissed - XXXX - Creditor : XXXX XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX XXXXXXXX - Creditor : XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.