23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was placed on a 6 month payment plan with my mortgage company wells fargo due to an unforeseen temporary hardship last year. My first payment of {$3300.00} was to start in XX/XX/XXXX ending XX/XX/XXXX. During that period of time I was told by a representative of Wells Fargo that there was a {$5000.00} credit to be applied as payments to my account and that I should only make a payment in XX/XX/XXXX of {$1600.00}. When the next payment plan was due of {$3300.00} I paid and have paid according to the instructions of each individual I have spoken with at Wells Fargo. I made my last payment on the repayment plan on XX/XX/XXXX in the Wells Fargo Branch. I was told by Wells Fargo that I am past due four payments and that the {$5000.00} was a principal reduction and not posted to payments. the representative mislead me to believe that the money was being applied as payments. I asked why no one has notified me that the payments were reversed? I asked for a new payment plan and was told nothing can be done. Again I asked why no one contacted me and if it is documented that the representative gave me the wrong information they should be able to assist me. They now want to foreclose! In speaking with XXXX XX/XX/XXXX at XXXX am he informed me that he saw the notations and that yes it was improper information given to me. I asked that my issue bw escalated to a supervisor. XXXX escalated to a XXXX XXXX who informed XXXX nothing could be done. I was told that I need to come up with {$9400.00} in 14 days. All the while the payment plan and instructions from their representatives mislead me to believe that I would be current in XX/XX/XXXX. I am very frustrated that I did exactly what I was asked to do and I do not have the money to bring my account current.
Product: Debt collection

Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft. 

Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill on time with this credit company but when I recently pulled my credit i saw that i have a 30 day late payment. This is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Anything you can do to help me would be greatly appreciated. Thanks
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need thses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXXXXXXand
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc . ) Due inadequate customer service and unfair practices, which violates the Cosumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am a former XXXX customer that has billing issues that the company has not been able to resolve through normal channels, despite numerous ongoing attempts by me. I canceled my phone service to XXXX on XX/XX/XXXX and paid off the service account at that time. The phone ( equipment ) was paid off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX leaving me with no balance for phone service or equipment. In XX/XX/XXXX I received a bill for phone service. I tried to access the account on line but I could not because the account had been paid off and closed down. I called XXXX to find out why I was receiving a bill. I spent hours on the phone because they could only see that the account was paid off and closed down and could not understand why I received a bill. After many transfers and several hours, I finally talked to someone that said that they could see that the bill was a mistake. They assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. In XX/XX/XXXX I received another bill for phone service. I again called and spent hours on the phone trying to resolve the issue until finally someone assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. This went on month, after month, after month, after month ( at least XXXX months ). Finally I decided to take their advice and start ignoring the bills that your company can not find a way to resolve. Now my account has been sent to collections and my otherwise perfect credit is ruined. Sunrise Credit Services , Inc. XXXX XXXX XXXX, XXXX , NY XXXX, ( XXXX ) XXXX is trying to collect {$210.00} & my otherwise perfect credit is ruined.
Product: Credit card

I have been in dispute with capitol one credit card for the last year. I have requested a summery of my payments from XXXX XXXX XXXXXXXX XXXX XXXXThey will not send me the summery.I made two payments in XXXX XXXX, one on XXXX, also one on XXXX. They have now sold my account to a third party, XXXX XXXX XXXX for collection. I have submitted to Capitol One a letter from my bank confirming that I did indeed make two payments in XXXX XXXX and they continue to ignore me.In fact I have made over payments and should have a credit of {$150.00} They have offered me no customer service. I have paid them {$330.00} on XXXX, {$320.00} on XXXX and also a {$70.00} payment on XXXX XXXX, XXXX. That is a total of {$730.00}. They claim I still owe them {$400.00}.
Product: Credit reporting

I have been a victim of identity theft. A bunch of inquiries keep appearing on my credit report. I have included a list of all inquiries that I am disputing as fraudulent.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a Balance Transfer from Comenity to XXXX XXXX ( moving my balance from XXXX XXXX to Comenity ). The amount was {$10000.00}. 

I contacted Comenity around the XX/XX/XXXX, asking them if there was a problem because the money hadnt been received by XXXX XXXX. They said I had to wait 30 days. 

I called them again on the XX/XX/XXXX. I was told there was nothing I could do until the XX/XX/XXXXas that would be 30 days from the date of the actual check date. But, the transfer would automatically fall off if not cashed by that date. 

I called again ( and I had sent secure messages in between, too ). On the XX/XX/XXXX, they said they would file the stop payment, and Id see a credit in 72 hours. 

On the XX/XX/XXXX, still nothing. So, I contacted them again. At that point, I was informed that the check was an electronic check and it showed XXXX XXXX had received the money on XX/XX/XXXX. They asked me to submit the XXXX statements showing no credit and suggested I file a dispute with XXXX XXXX. I did so right away, but the only information Comenity could provide was the electronic check number. A dispute was reopened, and I stupidly thought that these 2 banks would talk to each other and figure out where the money went. 

I submitted the dispute to XXXX XXXX the same day and they came back on XX/XX/XXXX saying they wanted a Routing Number and which account the money was sent TO. 

To be clear, every time I called in, I was told I had to wait to receive Comenitys letter in the mail - I was not allowed to talk to Comenitys dispute Dept and neither were their frontline agents. I sent a request to Comenity by Secure Message - asking for the transaction information XXXX XXXX said they needed : Routing Number Check Number XXXX XXXX account the payment was made TO I received a reply that I would have to wait for their letter. 

When XXXX XXXX closed the dispute for lack of information, I called Comenity again. Approximately XX/XX/XXXX. I finally got a supervising agent that understood : oh, I needed what they would need to verify the payment. She filed the request with XXXX Dispute department and I had to wait. 

I sent a secure message to the Fraud Dept. 

On XX/XX/XXXX, I called again because I received a document in the mail, but it had, again, only the electronic check number. No routing number, no information about what XXXX XXXX account it went to. 

I sent a written dispute by certified mail. And re-opened my dispute with XXXX XXXX using the document I received. 

To date, XXXX XXXX still treats this like I have a canceled check I can provide them and wants proof. And Comenity doesnt think theres a problem.
Product: Credit card or prepaid card

On XXXX, 2020 my bill did not go through CREDIT ACCEPTANCE CORPOR - account with 1 missed payment. I am kindly requesting CREDIT ACCEPTANCE CORPOR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card or prepaid card

I discovered fraudulent activity on AMEX this account in the amount of {$970.00} in XX/XX/18. I contacted the company with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On   XXXX    XXXX , 2017, Equifax signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On   XXXX   XXXX  , I received an updated copy of my credit report with no changes and a simple statement that the account was " verified. '' There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On   XXXX    XXXX , 2017, Equifax signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
Today is   XXXX    XXXX , 2017 and I have not received the documentation from the original request of   XXXX   XXXX  , nor have I received the documentation from the 2nd request of   XXXX   XXXX  . It has been beyond 30 days, as required by law, for the investigation to be complete.
Product: Consumer Loan

I no longer owe this money to lobel they sold it to a third party .so if they sold it how can I how them.i have contected lobell and they have no info.all they tell me is it was sold to a third party what does that mean it has been on my credit report as wrong info I also notifed my credit report agencys they do n't help..
Product: Checking or savings account

On XX/XX/year>, I attempted to withdraw {$480.00} from a Wells Fargo ATM located at XXXX XXXX XXXX, XXXX, PA XXXX, using my XXXX XXXX XXXX. However, the ATM did not dispense the cash, and the receipt I received indicated that the transaction was declined. Unfortunately, I did not retain the receipt, and it was subsequently lost. 

A few days later, upon checking my XXXX account, I noticed a credit of {$480.00}, which included the attempted {$480.00} withdrawal along with {$3.00} in fees. I promptly contacted XXXX XXXX to explain the situation, and they initiated a claim on my behalf. However, on XX/XX/year>, I was informed by XXXX that my claim had been rejected based on " substantial evidence provided by Wells Fargo '' indicating that the cash was indeed dispensed to the customer. 

Seeking clarification, I contacted XXXX again to inquire about the nature of this substantial evidence. However, they informed me that they were unable to disclose such information and suggested that Wells Fargo should provide it. Consequently, on XX/XX/XXXX itself, I lodged a complaint with Wells Fargo, requesting the evidence they had provided to XXXX to support their conclusion that the cash withdrawal had been successful. 

Today, on XX/XX/XXXX, I received a response from Wells Fargo, stating that they are unable to provide camera surveillance records as per their policies and procedures. The excerpts from the email is as follows : " Upon our research regarding your concern, we would like to inform you that, per our policies and procedures, Wells Fargo does not provide video surveillance when requested. We respectfully decline your request to provide surveillance records for the ATM transaction. We cooperate with law enforcement in the investigation and prosecution of criminal activity. We will release surveillance records in conjunction with a valid subpoena or court order. 

Once you have the valid documentation, please visit the branch at the same location for further assistance. While we realize the information provided may not alleviate your frustrations, we hope this response helps to clarify Wells Fargos actions with regard to this matter.

Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. '' I lack any details regarding the evidence that led Wells Fargo to determine that cash was dispensed, especially considering that the case could be resolved by reviewing my receipt and camera surveillance footage.
Product: Debt collection

I have a judgement against me by XXXX XXXX XXXX XXXX XXXX. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to Chase Manhattan Bank. 
My story : I was married to a very XXXX man. XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied out of fear. The Chase Manhattan Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that XXXX was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at XXXX and explained that I was in an abusive marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX was agreed upon by both parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed due to XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving XXXX and XXXX. I told him to look at my history to see that I have never missed a payment in XXXX years but was really going downhill financially and needed a respite until I could get back on my feet. XXXX sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
Product: Credit reporting or other personal consumer reports

I appreciate the effort you have invested in addressing the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there remain items that require removal. This marks my third complaint, underscoring my unfortunate status as a victim of fraudulent activities. I have submitted this complaint to contest the presence of these items in my file, a direct result of the criminal activity. The items in question have no association with transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, as outlined per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unfamiliar to me. Furthermore, the information provided on these items has been deleted from other bureaus, casting doubt on their accuracy. The reported history date on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.
Product: Prepaid card

I am writing to bring to your attention a matter of grave concern involving NetSpend 's purported involvement in misappropriating funds that rightfully belong to the Federal Trade Commission ( FTC ). 

Over the course of the long spand of getting my tax refund deposited on to a prepaid card ], I have observed and encountered evidence suggesting that NetSpend, a financial institution, has been engaging in activities that result in the diversion or unauthorized use of FTC funds. These actions have had a direct impact on [ describe the impact on your tax refund or any specific instances ]. 

As a consumer affected by these actions, I am deeply troubled by the apparent misuse of FTC resources by NetSpend. This issue not only affects individual consumers but also undermines the integrity of financial transactions and trust in regulatory institutions. 

I respectfully urge the FTC to conduct a thorough investigation into the activities of NetSpend and take appropriate measures to address this matter promptly. It is imperative to safeguard the integrity of FTC funds and ensure that such practices do not persist, adversely affecting both consumers and the credibility of regulatory bodies. 

I am willing to provide any additional information or evidence that might assist in your investigation of this concerning issue. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further details. 

Thank you for your attention to this matter. I eagerly await your response and actions taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has a well advertised policy wherein they will only perform a hard inquiry only under the conditions that A ) you are approved for a card and B ) you choose to accept the offered card. On XX/XX/XXXX, I consented to a soft inquiry to see if I may be pre-qualifed for an American Express Hilton Honors credit card that I was interested in. 

My application reference number is XXXX, and this is a link to the application landing page for the card I applied for : https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-credit-cardXXXX XXXX  The very beginning of the application says the following : " Know if youre approved for this Card with no impact to your credit score. This process helps you apply with confidence. Heres how : Complete the application. Well let you know if youre approved first without any impact to your credit score. If you choose to accept the Card, the information we provide to credit bureau ( s ) may impact your credit score. '' Thus I believed I was consenting to a soft inquiry, but did have the understanding that this would become a hard inquiry if I was offered a card and chose to accept it. Unfortunately, American Express contradicted their own terms and marketing materials by placing a hard inquiry on my XXXX credit report despite denying my application. The hard inquiry decreased my XXXX XXXX XXXX credit score which further contradicts American Express ' promise to consumers of only impacting their credit score if they are approved for the card. 

I have called American Express to see if the inquiry can be removed or if the decision may be reconsidered. I was advised that the decision on the application could not be reversed and two AmEx representatives told me to contact XXXX to file a dispute when I mentioned my grievance with the hard inquiry. XXXX 's policy is that disputes on inquiries XXXX only be submitted to XXXX in the event of identity theft. I was then advised by an XXXX representative to dispute the inquiry with American Express. I am instead submitting my complaint to the CFPB because I have already tried to resolve the issue with American Express and have thus far been unable to do so.