23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently got a notice from XXXX XXXX that stated a collection had hit my credit. I reached out to account resolutions about it and was told they are only the intermediary and do not negotiate to pay off the debt and that I needed to contact XXXX XXXXs. This is also a medical debt so I'm unsure as to why it was allowed to be reported in the first place. I contacted XXXX XXXX  and was told they will not negotiate for a single one time payment to pay off the debt as it's in collections now they can only take a payment and notify the collection agency a payment was made. I asked why this was reported as its a medical debt and the receptionist in billing just said it's up to collections. Account resolutions told me i had to contact XXXX XXXX as they can not negotiate a lower pay off. I confirmed with XXXX XXXX billing lady that this was a medical debt and it shouldnt be reported on my credit report. All she said was " mm hmm that's right ''. I went ahead and made a payment to XXXX XXXX for XXXX, but was told that a payment plan could not be set up because that's only for keeping them from sending the bill to collections and reporting it. The amount they are reporting is also not matching the amount my insurance states. The amount they showed was XXXX. The amount my insurance is saying I still owe is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and XXXX XXXX refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with XXXX multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I checked with Equifax to see if my information was possibly compromised, and seemed to have been given a response. The site, https : //www.equifaxsecurity2017.com/, asks for my last name and social security number. Multiple other customers have tried using fake information, ( https : XXXX ) with the website stating that said even those " customers '', with information such as Test as a last name and 123456 working as a social number, giving a false positive ( https : XXXX ). I believe my information has not been used correctly, instead been used to offer me a product for ID protection for free which will begin to cost after one year of usage. My information may or may not have been compromised, and Equifax is not giving a solid answer. Instead, I am being pushed a product I do not trust by said company who has been hacked.
Product: Checking or savings account

I called into Wells Fargo Bank on XX/XX/2022 to issue a stop payment. They charged me a fee of {$31.00} and the stop payment was never enforced. I went into the branch to close my account and open a new account and was told that the pending transactions were on hold and the account would automatically close once the transactions were cleared. Wells Fargo deducted {$38.00} from my account on the following day XX/XX/2022. When I called to question the withdrawal they admitted it was an error on their part and stated they would return the amount. In the process it made my account a negative for a {$210.00} pending transaction. My payment was returned with insufficient funds fee and a return check fee from the company. I went into the branch again on XX/XX/2022 because my account was closed and there was a remaining balance of {$260.00} and it was not transferred to the new account, or to my joint account. The transaction was described as " PAY OFF DEBT NON INTEREST WITHOUT FEE '' I asked what this consisted of and nobody had ever saw this type of transaction before. I stayed at the branch for 2 hours but to no avail they did not know where my money was. I have filed complaint after complaint. I call every day and I speak to several customer service reps and no one can tell me where my money is and they all say the same thing, " They can not issue me my money '' They are investigating my account to see where my money went. They clearly took the money out of my account and refuse to give it back. They said it could be up to six weeks for them to find my money and issue me a cashiers check if they find it. This is clearly a case of THEFT and FRAUD. The people assigned to my case has not been to work since the case was started on XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for an American Express card on XX/XX/2022. Moments later I received a denial email letting me know that i've been denied. I then called the reconsideration line after receiving that email for further clarification and they told me that I was denied based off of my age of credit. I spoke to management and let them know that based off of that reasoning that is a violation of my federally protected rights as a consumer pursuant to 15 USC 1602 ( p ) under Truth In Lending. The statute states that if the consumer receives no benefit from a consumer credit transaction then that is " unauthorized use '' of a credit card. Management then proceeded to tell me that they had authorized use to pull my credit based off of " terms and agreements ''. I then told them that denying me the right to exercise my right to extend credit is classified as discrimination under the Equal Credit Opportunity Act ( 15 USC 1691 ( 3 ) to which they denied as well. Pursuant to 15 USC 1681k under " adverse action '' no where in the statute does it state that a denial to extend credit will be based off of a consumers age of accounts.
Product: Money transfer, virtual currency, or money service

I initiated a money transfer with Xoom specific instructions for the funds to be sent to the recipient in USD.When the transfer was instead sent in XXXX, I requested of Xoom a full refund of the value of the money transfer of $ XXXX.According to Xoom 's written user agreement a customer is entitled to a full refund in cases of error where the transfer is not done according to the sender 's instructions. 



I received a written response from Xoom acknowledging the error but then only offering me a refund of the {$7.00} money transfer fee.This is inadequate according to Xoom 's refund policy which states a customer is to receive a full refund in cases of error where the money transfer is not sent according the the sender 's instructions.I have included Xoom 's user agreement regarding refunds. 



Please help me get my money back. 



Thank you 14. Refunds To request a refund, please click here for Customer Service. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a Recipients account. You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the funds or mobile reload have already been paid out to the Recipient or Service Company. After 30 minutes, we generally do not provide refunds unless we did not process your Transaction according to your instructions or we are unable to pay out the Transaction.
Product: Mortgage

Consumer Financial Protection Bureau, This complaint is in reference to residential home Loan # XXXX which has been converted to # XXXX with Wells Fargo Home Mortgage. 
Beginning in 2008, Wachovia Mortgage began to miscalculate the annual adjustable rate calculations for this loan, which resulted in the monthly amounts of principal and interest due and the total payment amount to be incorrect. Wachovia Mortgage and Wells Fargo Mortgage used the incorrect figures for the XXXX Index and the Margin. These three items of this loan, the principal, interest and payment amount have been miscalculated incorrectly since XXXX. Additionally, for some months, my principal reduction amounts would drop significantly from the previous month for absolutely no reason. I would make call after call to Wachovia Mortgages Customer Service department and then Wells Fargo Mortgages Customer Service. Each time, the Customer Service representatives would acknowledgement that the loan servicing calculations with my mortgage had not been adjusted correctly, but never once I have I received the correct credit for my principal payments nor has my loan adjustments ever been corrected. This has cost me thousands of dollars over the years in mortgage principal reduction and mortgage interest unnecessarily paid. 
Just with a simple mortgage calculator, these adjustable calculations can be reconciled to have been in error. 
I continued to repeatedly contact Wells Fargo Mortgages Customer Service department telephone, speak with several Wells Fargo Bank representatives in person and contact Wells Fargo Mortgage by mail and email. Every single Wells Fargo Mortgages Customer Service representatives and Bank representatives has acknowledged the miscalculation errors with my adjustable rate mortgage. Yet, none one single Wells Fargo Mortgages representatives has done one single thing to correct my mortgage adjustment miscalculations. 
I had the same problem with a XXXX adjustable rate loan in the early XXXX. My loan was type was in Class Action suit against XXXX. If I am not mistaken, the CEO for XXXX at that time was the CEO with Wells Fargo during my adjustable rate miscalculation problems.
Product: Mortgage

I represent a homeowner in applying for a short sale, retention options and have a bonafide offer on the homeowners property. I original application process started in Late XXXX on 2018. I submitted the application and followed up several different times before the set auction date for the end of XXXX. In Late XXXX I was told that the application was not complete and needed to submit 2 consecutive paystubs, an updated RMA, and XXXX which I faxed into Carrington Mortgage on the XXXX and XXXX of XXXX. I followed up the first week of XXXX on Tuesday but their loss mitigation department was closed, so I called again on the XXXX of XXXX to find out that they had closed our file out. The representative told me that they had not received the requested documents, I asked the agent which documents they had not received because on two other occasions they had said the same thing but I had proof that the files had been faxed and received in PDF format from my email. The agent said that they were missing the paystubs that they had requested and also the XXXX which i also had proof that they were sent on the XXXX and XXXX of XXXX. I asked that they again review the files that I had already sent several times and set the file back up as being completed. At this point the seller is in jeopardy of losing her home to a foreclosure instead of being reviewed for retention options and a short sale.
Product: Debt collection

I had lost my job and was unable to pay XXXX - I did contact them but they turned me over to Biehl and Biehl Collection Agency - other agencies I have dealt with were under- standing and said they would make note of my account.

The first time I called Biehl and Biehl they were nasty as told me why did I order XXXX if I didn't intend to pay - I have dealt with XXXX over 60 years and this is the first time I had a problem - I called them as I said and they were nasty but told them I could not pay what I did have and hopefully one day get a job which at XXXX  is not easy and pay it eventually - XXXX  would not accept small payments and wanted half one month and half the next month which I couldn't do.

I got another letter from them informing me I ignored their request for payment and want it immediately - I tried calling again but you get put on hold forever so I sent them a letter.

Even going on the web their reputation is not the best and there are other complaints about them being nasty - as I said other Collectors are nice and say they will make note of it on my account.
Product: Mortgage

My loan was recently transferred to specialized loan servicing LLC. At my previous servicer I was paying extra each month to principal. I decided to stop paying extra to principal on XX/XX/2022, well in advance of the next payment due date of XX/XX/2022. I received a confirmation message/letter that my request to stop paying additional to principal each month was processed and would be effective XX/XX/2022. On XX/XX/2022, specialized loan servicing withdrew my contractual monthly payment amount and the additional payment amount, despite confirming that the change was processed. This is an error and I should be refunded this amount.
Product: Credit card

One XX/XX/year>, I contacted American Express about a late payment. I had a payment due for one of my cards on XX/XX/year>. I had forgotten to pay, but I have had 100 % perfect payment history for about 3 years. 

Amex initially told me they could not wave the fee, and they had no power to do so. I asked for a supervisor, and they waved it. I think it's unfair that they can charge a fee, and then be dishonest about not being able to take it back.
Product: Mortgage

I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments
Product: Credit card

I often receive the call from the somebody relating to Wells Fargo. On XX/XX/XXXX, I received a call from same number, XXXX ( XXXX XXXX, IA ). I did not mind if there is any discrepancy, and treat these calls as annoying calls ; however, this time the person called himself/herself XXXX, ' even thought the voice was clearly woman 's. Therefore, I would like to inform this issue to your office. The voice script is as follows : ( XX/XX/2024 at XXXX ) Hi this message is for XXXX XXXX this is XXXX with Wells Fargo home mortgage giving you a call to comfirm recipt of your most recent inquiry _____ _______ we expect to respond by XX/XX/XXXX should you have any questions my number is XXXX thank you .... 

I have received from this number many times and wonder why I need to be called by home mortgage person, even though I do not own anything in this country and beyond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report there is a bankruptcy that states that the information was given but the XXXX XXXX in XXXX Texas. When I spoke to the clerks office they said that they don't report anything to the credit bureaus, even provided a letter to support what they said. When I call Experian again they laughed and said the information was obtained through XXXX XXXX and so I submitter a claim stating that the information is not accrete because they are saying the information was obtained from XXXX XXXX XXXX. When they completed the review they said the information was verified, but they did not get the information from where they are reporting they got it from.
Product: Credit reporting or other personal consumer reports

I was informed by XXXX, I could not dispute an address as its associated with an account on my credit report. I have no idea where either verso credit or XXXX XXXX XXXX XXXX  came up with the address they are listing in my credit report. I am unhoused with a XXXX XXXX XXXX and cant get approved. The question that is asked is why I dont list the address that shows up on the background/credit. One address I have dont know of or know anyone that lives there, the second address was for mailing purposes only, I never lived there. My place of rental at the time was at a XXXX XXXX XXXX XXXXXXXX XXXX in XXXX ca & that is my current situation XXXX XXXX XXXX 

I attached 4 screenshots showing what a landlord see & what is reported on my credit report. Verso credit appears to falsely adding address that does not exist to my account. The XXXX XXXX XXXX XXXX in XXXX California is correct but they turned around and listed as XXXX XXXX XXXX XXXX XXXX, ca XXXX. This address does not exist and I did not provide them that information. 
The address XXXX XXXX  XXXX XXXX in XXXX ca XXXX, I have no affiliation with this address & I did not give them this address as a reference.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I called Equifax and the representative XXXX instructed me on how to access my credit report online. 
After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name XXXX on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information Equifax can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of XXXX years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices
Product: Student loan

I attempted to file for a discharge of my private student loans since my school was part of the XXXX AG Multi-state Settlement and my federal loans were successfully discharged as a result. Following the provided instructions from XXXX, I was rejected due to the fact that I consolidated my private loans in 2019. ( due to being unable to keep up with payments from the original loans )
Product: Student loan

My payment amount is not being evenly dispersed to all my principle balances. Instead nelnet is applying the total amount to the interest portion of the loan rather than the principal which will elongate the loan further. Ive also asked if there are options for me refinance or lower interests rate but was told to visit StudentAid.Ed.gov. 

As a graduate student, mother to be, and full time worker I'm hoping there are more options for people like myself who are struggling with these large companies like Nelnet. Please put regulations in place and make sure our money is being put towards our loans and not the companies pocket.
Product: Credit reporting or other personal consumer reports

Hello, With transunion I have submitted XXXX disputes regarding improper reporting of my credit report. I have contact my creditor they stated I did not miss payment, when attempting to call transunion all correspondance are blocked or not going through. Chat support contiously refuses to answer my questions directly when attempting to resolve my issue. They have failed to make corrections to my credit score stating that I missed a payment within XXXX  days XXXX. Credit reporting and updates are provided on a month to month basis and they reflected my credt score based on XXXX  when my account are up to date and paid. My credit score dropped XXXX points due error and incorrect reporting on either the creditor or the bereau. I would like all credit bereaus evalulated to assure that everything is corrected back to its orginal status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active payment plan in place with JPMBC. Instead of showing paid JPMBC started reporting the account as a charge off. The amount of the balance is incorrect. I have called, the company, my lawyer, and credit monitoring company. JPMBC has not fixed the problem.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian my FTC Report # XXXX, PA license. I have been a victim of identity theft. I am following the proper procedure by law of reporting this fraudulent activity on my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My wife and I went into XXXX XXXX XXXX, and they did a soft inquiry to see if they could approve us for 0 % interest financing. When they approved me and my wife for {$1000.00} we decided we were not interested and left within minutes. Days later, I find out an account was opened in both of our names. I contacted the sales person, the store manager, and then I even called synchrony bank. They all told me the account was legitimate and would not be closed.. I had to file several disputes with the credit bureaus over and over until finally, I received letters in the mail, stating that the account was open fraudulently! 

This business is unethical! I was cussed out via text message from the sales person who illegally opened up accounts under both of our names! She ( the sales person ) committed fraud, and then synchrony bank protected them. I want answers my credit score was impacted, I looked over extended and so did my wife.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX XXXX