23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly.
Product: Mortgage

Dear Cross Country Mortgage Team & XXXX XXXX XXXX. 
We have submitted all the required information for the remodification and it was approved for the monthly payment of {$2800.00}. The new XXXX statement still shows the old {$3300.00}. The balance was moved to the back of the loan of {$17000.00}. ( MANY EMAILS SENT FOR CORRECTION ) Formal Request : A breakdown of what the {$17000.00} consists of An Updated XXXX statement showing XXXX balance and showing the correct monthly payment due.
Product: Money transfer, virtual currency, or money service

Closed on a real estate deal Friday XX/XX/2020. Funds were wired from Title Company 's Wells Fargo Account to my Wells Fargo account at XXXX of that day. Funds were to be posted that day. It is now Tues XXXX, XXXX and funds are not only not there but Wells Fargo seems unwilling to help even with the XXXX   tracking #.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX. I had bad credit so they let me put XXXX down and get financed. I was assigned to XXXX XXXX whom since has sold my account to US Auto. They financed a warranty for XXXX but my contract does not explain how much of my biweekly payment amount is going towards my warranty and my loan. I asked how am I supposed to pay off this warranty and they told me I could not, could not have my interest rate changed because my credit score has gone up, werent even reporting to all three bureaus with XXXX XXXX. I got this car that is work like XXXX and my loan is XXXX. Ive made every payment via auto deduction for two years and they cant even answer me why my loan was sold to US auto. I feel like without the option to pay off my warranty, Im still going to be paying interest on it for the entirety of the loan. I cant get the car refinance because the car is not worth what it was sold to me for. So Im stuck in an upside down loan, they knew I was desperate and had become a single parent very suddenly and needed to provide for my daughter. They keep selling my loan to collect fees, they said they do it to the best paying customers they have a list other lenders can pick from to purchase but in the contract it says assign and they said it was reassigned when really it was sold so they can collect a portion of the fee. I wasnt even informed it was being reassigned until it happened. I didnt consent to this
Product: Debt collection

COI constantly calls for a payment and I keep asking them I woumd like to settle debt with original company XXXX to settle and when I keep asking that they seem to want to harass me even more. They are reporting negatively on my credit report.
Product: Debt collection

WF took {$5500.00} of federal student loan money from my bank account using legal recovery set-off on XX/XX/year>. This was done after a judgment via a trial that I did not receive notification for. I can not receive my money back because I moved it from my WF checking account to WF savings account, so it is no longer protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.

I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I DISMISSED MY BANKRUPTCY TO SELL MY HOUSE TO BRING MY LOAN CURRENT. LENDER IS NOT WORKING WITH ME AND I AM AN XXXX  XXXX XXXX XXXX XXXX. I WILL BRING MY LOAN CURRENT. I NEED TIME TO CLOSE ON MY LOAN. I FEEL LIKE I AM BEING DRISCRINMATED BECAUSE OF MY XXXX. I AM CURRENTLY WORKING WITH AN XXXX. I HAVE ASKED FOR HELP. BUT THEY REFUSE TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax , Inc. never thoroughly investigated my compliant under the FCRA & FDCPA. 
-- -- -- -- -- -- -- Equifax , Inc. continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. 
-- -- -- -- -- -- -- On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
Product: Credit card or prepaid card

Discover Bank Credit Card On my Discover mobile Apps XX/XX/2019 Cashback Bonus redemption - {$3.00} Internet Payment - - {$450.00} XX/XX/2019 Returned Internet Payment {$460.00} Represented Internet Payment - {$460.00} Returned Internet Payment {$460.00} Internet Payment - {$460.00} On my Account summary XX/XX/2019 - XX/XX/2019 Transactions Payments and credits Trans Date XX/XX/XXXX - {$450.00} - {$3.00} XX/XX/XXXX - {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX - {$460.00} Please check on the discrepancies of accounting as reflected on the apps and the account summary. There is one transaction missing on the statement. There should be another entry of {$460.00} to balance the account as in the apps. Otherwise I have to pay an additional of {$460.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these allegations.
Product: Checking or savings account

I had four unauthorized transactions from a XXXX in XXXX, New Jersey. I currently live in Ohio and have never been to New Jersey. Of the four transactions, three of them were for {$30.00} and approved as unauthorized transactions and the money was refunded. One of the charges was for {$98.00} for the same place on the same day at the same time and that transaction was denied and they claim that I made the transaction or somehow approved it which I did not. The company that I bank with is venmo. They are currently asking me for more information on the investigation but won't explain what they need or if anything they need and won't explain why the first threXXXX transactions were approved and the fourth one wasn't
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, Experian, XXXX, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Product: Credit reporting or other personal consumer reports

I took out a loan in XXXXXXXX XXXX XXXX The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records
Product: Credit card

My balance of {$58.00} was due on XXXX XX/XX/XXXX as stated on the payment coupon. I called and paid that sum... payment directly from my checking account. I was told I was late and I challenged " what could be wrong "? 
They responded it was very clearly stated on the billing that payment must be made by XXXX XXXX that day. 
On the payment coupon there is small print on upper right corner " see reverse for important information ". On reverse side there is in small print noting the XXXX XXXX  XXXX. 
Also on front of page again in small fine print mentioning XXXX XXXX  ET deadline. 
I pay in good faith the balance due with registered checking account by or on the day stated on the payment coupon to avoid having to deal with fine print. 
They wouldn't do anything regarding my challenge of their charges on that call. 
In subsequent discussions with two consumer representatives and their supervisors they would not erase the late fee or interest. One supervisor said they would refund late fee/ the other said they would refund the interest charge. 
I contacted XXXX where I made the original purchases and where I've been a member for over 45 years and they said they did advocate for me but Capital One mentioned something about they had given me consideration in maybe XX/XX/XXXX and again in XX/XX/XXXX. This was mentioned at the end of conversation and more in passing than a reason. I remember having to request a paper billing as they began with only online billing which I would never request. I don't remember nor did they describe the other " consideration " they gave me.
Product: Credit card or prepaid card

We were given a {$50.00} gift card ( One Vanilla-prepaid mastercard ) for our wedding in XX/XX/XXXX. We tried to used it in XX/XX/XXXX but the balance was {$0.00} cents. We called the gift card company and they told us that two purchases were made in XXXX. We never used the card so we submitted a claim for the company to investigate. In XX/XX/XXXX we were notified that the claim was closed because they didnt find any discrepancies and told us that there was nothing else they could do. They could not inform us who made the purchases and the gift card is not longer valid.
Product: Debt collection

Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " XXXX Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.
Product: Credit card or prepaid card

I received an offe r for a Marriott Rewards Premier  Credit Card from Chase in  XXXX   XXXX . The offer was for a {$200.00} gift card and  XXXX  bonus points after spending {$3000.00} in the first 3 months after opening. I requested the card and met the spending amount within the specified time frame. I received the  XXXX  points as promised, but in looking back at the records, I realized I had never received the {$200.00} gift card.     I called  Chase  on  XXXX / XXXX / XXXX . A person named  XXXX  said that yes, I should have received the gift card. He said that the  Marketing Dept.  would review the offer and to watch for a letter withi n 2 weeks. I   receive a letter dated  XXXX / XXXX / XXXX  ( see attached ) that stated " Upon review we 'd like to inform you there is no offer on the account to receive the {$200.00} gift card. '' I called back to reiterate that I had the original offer in hand, and to ask for the address or fax number to send my written request. On    XXXX   XXXX  ,   I faxed a letter and a copy of the original offer that clearly states the promotional offer in at lea st 5  places on the mailing piece. I then received a letter dated    XXXX   XXXX   XXXX    that says " Update : We are n't matching the promotional bonus offer '' and " we 're sorry, but we wo n't match the promotional bonus offer you asked about. '' There is no reason provided.     This is a clear case of false advertising which benefits Chase. I 've used the card almost exclusively for my purchases, and now I am paying an {$85.00} annual fee. This complaint is to hold Chase accountable and to hold up its end of the agreement. Thank you for your help.
Product: Debt collection

Good Morning, Upon reviewing my consumer report ( after being denied a loan from the bank ) I noticed a debt in the amount of {$1900.00} owed to your company .LVNV Funding LLC . I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there, stating that I received it. If in fact you can't provide this information, I request that you remove this debt from my consumer report immediately.
Product: Debt collection

Left numerous voicemails that my local sherriffs dept would file a warrant for my arrest unless i paid within 30 minutes, they would find me and arrest me.
Product: Mortgage

I filed bankruptcy on XXXX XXXX XXXX to protect my house and Wells Fargo Bank foreclosed on XXXX XXXX XXXX and even though I filed bankruptcy they did not stop their activity and went ahead and filed foreclosure on the house on XXXX XXXX XXXX. Wells Fargo 's bank Attorney XXXX XXXX XXXX, whose bar number is XXXX, even though I have a cash buyer for the house XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX denies the cash buyer. They denied the cash buyer, this man is very heartless man. He was still going to court during the bankruptcy, filing motions, doing all the stuff that he was was n't supposed to do even though when a bankruptcy file is in process, all activity should stop and he did not stop. The chapter XXXX case number is XXXX. The property address is XXXX XXXX XXXX court, XXXX XXXX, Florida XXXX. I would like to see justice for what wells Fargo bank has done. Wells Fargo bank number is XXXX XXXX XXXX XXXX. My name is XXXX XXXX and XXXX XXXX is my husband who filed the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 have caused significant inconvenience and financial loss, and I seek appropriate redress to these violations.
Product: Debt collection

I received the following email and I never took any type of a cash advance from any company. 
XXXX XXXX!!!!!!!!! EMAIL!!!!!!!!!!!! 
Customer Id XXXX XXXX XXXX <XXXX> XX/XX/2021, XXXX XXXX  ( 10 hours ago ) Case File # : XXXX - XXXX Loan Information Past Due Amount - {$980.00} One Time Settlement- {$320.00} Creditor Ace Cash Services DearXXXX XXXX XXXX XXXX Department of Ace Cash Services has decided to mark this case as a flat refusal and press legal charges against you.

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is placed on hold by the United States, so before something goes wrong, we would like to notify you about this matter. 

Consider this as a final warning. And we are Emailing/ Fax this issue to your current leader to create positive results and take strict action against you. 

We will be forced to proceed Legal Action against you and once it's processed the somebody has entire rights to tell your leader and your references concerning this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you are taking care of this out of court then we are going to unharness the clearance certificate from the court and that we can check that nobody will contact you in future. 

Do revert back if you would like to eliminate these legal consequences and build a payment arrangement nowadays instead, we'd be continuing legally against you. And this is often to send word you that this notification also will be sent to your current leader. The opportunity to require care of this volunteer is quickly returning to associate finish. We would hate for you to lose the choice of breaking this before it goes to a consequent step that could be a suit against you, however to try to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru between working hours XXXX XXXX  to XXXX XXXX ( EST ) Department of Law & Enforcement ( Ace Cash Services ) Copyright 2021 Ace Cash Services| Privacy | Terms of use Thank you, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX, I deposited a personal check for {$15000.00} into the standalone ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The screen registered the correct amount and I confirmed it before submitting. 

On XX/XX/XXXX when I checked my online account, I was only credited with a {$5000.00} deposit. I immediately called customer service. The person I spoke to saw a picture of the check, confirmed the machine error, and sent me to the claims department. I filed a claim on XX/XX/XXXX and was told I'd have a resolution in XXXX XXXX XXXX. 

I called again on XXXX to check on my missing {$10000.00}, and I was told the same thing, and my claim was only XXXX XXXX XXXX ago. Another customer service agent also confirmed that there was an error and I was owed {$10000.00} ( she looked at the picture of the check as well ). This is unacceptable for such a simple solution. This is a machine error that can be fixed by anyone with two eyeballs ( even one eyeball in this case ) looking at the physical check and saying " yes, this should be {$15000.00} - not {$5000.00}. '' In fact, the person who sent me the check just called me today to say " something's wrong, my account says you only received {$5000.00} and not {$15000.00}. '' I have been out {$10000.00} for XXXX XXXX at this point. I have a savings account through XXXX XXXX with a XXXX XXXX XXXX Is Citizens Bank going to pay my interest? What if I'm overdue on rent or a mortgage? Would my landlord or financial institution accept my explanation of " please wait XXXX XXXX XXXX for a clerical error ''? What if I have credit card debt and am overdue on a payment with XXXX XXXX interest? Would Citizens Bank repay extra charges incurred? 

I am baffled at the way this was handled. Where is the common sense? Why couldn't one sane person say " hey, our bad, I'll hit this one button and you'll get the {$10000.00} that's rightly yours ''? I've been a customer for close to 20 years. It shouldn't take XXXXXXXX XXXX XXXX to correct something that takes XXXX XXXX of clerical work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were reported to my credit file without my consent : Date Account Name & Number Action XX/XX/23 CCS CollectionsXXXX Added false information to file XX/XX/23 CCS CollectionsXXXX Added false information to file XX/XX/23 XXXX XXXX Added false information to file Under 15 U.S Code 1681b-Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.