23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my Stimulus payment came in to my account. I had a negative balance of {$710.00}. I was relieved to know that I had this extra stimulus money to catch up my account plus a little extra as a cushion. On XX/XX/XXXX Wellsfargo gave my account a TEMPORARY CREDIT in the {$710.00} amount. When I called and asked what this was they stated that it was a temporary credit so that I had access to my full stimulus payment and that I would need to pay the {$710.00} back in 30 days. I asked that they remove this temporary credit from my account as I do not want to be responsible for paying them back in 30 days. I was told I had no choice. After doing my research, all other banks that are doing this are giving their customers 90 days to repay the credit. 

So my issue is Wellsfargo is stating they want their customers to have the full amount of their stimulus so they issued this credit. However, when you have to put aside {$710.00} of your stimulus so that it is available for Wellsfargo to take back in 30 days, how is that helping anyone? I live in Nevada and the State is still not open. How does Wellsfargo think that anyone is going to have the money in 30 days if they didn't have it to begin with? Why is Wellsfargo not giving the Customer the choice? Honestly all this did was stress me out even more having to babysit the money for Wellsfargo.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX credit report I noticed that my student loans are being duplicated. They are on there both from XXXX and EdFinancial services. I called XXXX and they told me that EdFinancial needed to close them out, so I called Edfinancial and they told me it is on XXXX and the credit reporting agency. It is turning into a ping pong game. This is fraudulent- they are reporting almost XXXX of duplicated loans which is false. This needs to be corrected ASAP.
Product: Credit reporting or other personal consumer reports

I have not been able to retrieve my credit report/score from the transunion website for the last 6 months. I opened an account with a 3rd party to see what the score was and saw a collection was added on XXXX for XXXX XXXX that i have never had an account with.
Product: Debt collection

XX/XX/2022 I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed .Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed .I demand that the following accounts be verified or removed immediately
Product: Debt collection

XXXX XXXX XXXX is over charging me after breaching out a contract. 
I had called sprint to add a international plan into my mobile account to travel to XXXX where all my family lives, so i enrolled myself in this international plan so i wouldn't have any additional or over charges. 

So i had it working perfectly, but when i came back i didn't ask or requested XXXX to remove the feature i wanted to keep to be able to still speak with my family and friends back home for additional {$10.00} plus my monthly charges of {$70.00} so XXXX without my permission removed the feature then my account went overcharged.
Product: Credit card or prepaid card

I had purchased a wedding band ring, which I returned due to it did not fit, I had made contact on three different occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) when I made contact on XX/XX/XXXX, I was given a confirmation number of : XXXX, as of today I am not seeing a credit on my any of my JCPenney credit card statements. 


Thank you for your order, XXXX order number : XXXX order date : XX/XX/XXXX shipping address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone : XXXX gift wrapping no gift wrap payment payment information JCP Card XXXX billing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : XXXX Some items in your order may be charged in separate transactions status : In Process method : HOME DELIVERY routing : USPS These items will ship from the manufacturer on the date indicated below. 
14K-Y MNS PLN WB 6.0 SIZE 10.5 - DIRECT ONE SIZE 2751007 qty : 1 status : In Stock {$460.00} each Item Total : {$460.00} total : {$460.00} merchandise subtotal : {$460.00} total savings : {$0.00} order subtotal : {$460.00} shipping & handling {$0.00} gift wrap : {$0.00} tax : {$34.00} order total : {$490.00} XXXX : XX/XX/XXXX XXXX should i wait for a confirmation number XXXX : at XXXX the confirmation number is going to be XXXX. The full return will be credited to card Sent on XX/XX/XXXX I ordered the following, the ring was the incorrect size, so i returned it, however i am not seeing any credit. Please advise. 
Thank you for your order, XXXX order number : XXXX order date : XX/XX/XXXX JCP Card XXXX 14K-Y MNS PLN WB 6.0 SIZE 10.5 - DIRECT ONE SIZE 2751007 qty : 1 {$460.00} each
Product: Mortgage

Hello, I am filing a new complaint as the Franklin responded to the previous complaint but issue has still not been fully addressed. The company responded back with a history of the loan, but did not address the issue of forbearance during the pandemic. As previously stated we were able to workout a repayment plan in addition to receiving assistance from the CA mortgage relief payment following our forbearance. That said, we advised Franklin during the pandemic of our financial hardships, including but not limited to loss of pay, illnesses, car accident, onset XXXX caused directly from the pandemic, we made payments as we could stayed up to date with mortgage protections/laws HUD agency even state of CA. Franklin never once said that we were facing foreclosure due to the pandemic and homeowners protections in place. Our last payment to Franklin cleared XX/XX/XXXX in the amount of XXXX. I advised Franklin that we were working with the state for assistance, kept them abreast of status updates. I advised them that the stated denied as they're not assisting with 2nd loans or HELOCS only firsts and advised me to reach out to the servicer as I should have been offered some type of work out plan after the forbearance. I told them the only thing they told me was that I needed to pay the entire past due amount in addition to attorney fees and there is some XXXX plus charge on there as well. I obviously am in no position to pay that full amount. We are wondering why we were sent directly to pre foreclosure and where the letter advising us that our forbearance had ended and offered options to rectify. At the end of the day we just need help and the actual amount of the payments missed and for what months, the payments we made so I can compare to bank statement in addition to the copy of the letters stating our forbearance was over. We have been through a lot, things have not been easy, we have fought for our home. We are just everyday Americans with XXXX struggling after a pandemic to survive. Please help us. 
Thank you so much.
Product: Debt collection

This debt collector has done inexcusable practices of the FDCPA which it prohibits. They have furnished this account that we did not agree on and didn't sign a agreement on. A legal contract is a contract signed by two parties and I did not participate in any of it. They did not follow the proper 5 step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations, and they have violated my rights and abused my privileges. Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Recovery Solutions has reported me to all 3 credit bureaus saying I owe them {$440.00}. I disputed it will the bureaus, and XXXX deleted it, but XXXX  and XXXX have not. The dispute results from the credit bureaus say that the account meets FCRA Standards I have attempted to call DRS several times to get information about this alleged account, and every time I call they tell me that they will send me information to validate the account. I never receive anything from them, and I give them my address every single time. They are rude, and demand payment. I sent a certified letter requesting validation on XX/XX/XXXX, and it is now XX/XX/XXXX and they still have not responded. They continue to report to the credit bureaus, last week they updated again, and my credit score dropped 20 points. I am trying to obtain a mortgage loan, but am not able to because of this account on my credit report. I have called the credit bureaus and explained the situation, that I have no idea what this account is about, and Debt Recovery Solutions will not cooperate and give me any info. The credit bureaus just say they can open yet another dispute, even tho I have disputed it twice before. I am submitting a complaint to everyone that I possible can, and am hoping someone can help me to get this company to delete this account from my credit reports.
Product: Mortgage

I attempted to reinstate my mortgage. Based on a repayment letter issued XX/XX/XXXX & verification of calling the lender I had until the end of XX/XX/XXXX to remit payment of {$3000.00}. XX/XX/XXXX I first attempted to send a moneygram based on the information provided in letter format & verification by phone call with lender. The lender refused to accept funds through the moneygram format. I had to resort to getting 4 money orders for the balance due of {$3000.00} and sending them by mail, in the same envelope XX/XX/XXXX. I received 3 separate letters dated XX/XX/XXXX, each with a single money order stating I had did not submit enough to reinstate the loan. I sent a request to the lender 's research department indicating I had sent all the funds in the same envelope. I received a response XX/XX/XXXX indicating I had only sent {$2000.00}. Then I received a 4th envelope with the missing {$1000.00} money order dated XX/XX/XXXX again stating insufficient funds.I called and spoke to a supervisor who upon research verified that the lender did receive all 4 money orders but the cashiering department had only posted {$2000.00} of the {$3000.00} submitted. She indicated I could re quest another reinstatement but now would have to pay an additional 2 months mortgage up front and all associated fees despite the proof I had submitted the correct balance. No fees will be refunded.
Product: Debt collection

Toward the end of XX/XX/2023 I wrote a letter to FRANKLIN SERVICE , INC ( a debt collector moving forward ) indicating that I have experienced hardship relating to my employment and expressed the low balance I have in reserve. I became aware of the debt collectors communication attempts because I pulled my credit report from the big 3 reporting agencies. The debt collector was indirectly communicating with me and has injured my reputation and ability to qualify for a mortgage and other credit extensions for personal family and household purposes. I have rights under the FDCPA and they are being violated. Specifically the section that talks about communication in connection with a debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made due to the breach, and I request that they be permanently removed. 
Accounts : XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX SelfReported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$8.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company is fraudulently trying to collect on a debt alleging that I owe and is reporting it to the credit bureaus XXXX, XXXX  and XXXX. I am disputing the alleged principle and interest of the alleged debt. I am also disputing the inaccurate reporting of this alleged debt to my credit file with the three credit bureaus mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 20 years of credit history and have never missed a payment. In XXXX of XXXX after having moved states I changed my banks. I had a balance on my Lowes credit card which I have had for at least 10 years. I paid this balance to XXXX  before changing banks because I had autopay for the old bank. A few weeks later I returned a few items which created that balance causing a positive balance in my account. I eventually updated my auto pay and a few months later I found that Lowes reported that I missed a payment. After hours on the phone with various Lowes representatives in XX/XX/XXXX I was told there was a 2-day period which I was charged interest on, this did not show until the following billing cycle. I told them that I had a positive balance and they said it was their error and it should not have tried to charge the old autopay and should have taken the fee off the surplus in the account. I was advised that they would adjust my credit reporting, but this has still not happened. We are talking about less than a dollar in interest charges and when I paid the account before changing banks, I clicked on pay in full, plus I had a credit on the account. Can you please help me, this has negatively affected my perfect credit which was over 800.
Product: Credit card or prepaid card

I purchase two XXXX gift cards from XXXX located @ XXXX XXXX XXXX in XXXX XXXX NY XXXX on XX/XX/XXXX. In XX/XX/XXXX I went to make a purchase at retailer and found out that the purchase was being denied. I therefore looked up the history of purchases via the website listed on the cards XXXX and found transactions on both cards which were not performed or authorized by me. Thereupon I called the customer service # listed on the back of the card and filed all the necessary paperwork with them and sent it to them @ fax # XXXX. I contacted them numerous times after to find out the status of the dispute. I was told to send further information which I did on XX/XX/XXXX again I sent information regarding the fraudulent charges via fax to the number ( XXXX ) which I was given. On XX/XX/XXXX I received a letter from the company ( XXXX XXXX XXXX, XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, SD XXXX confirming dispute and requiring me to sign the document and send back. I did so and sent the document back via fax on XX/XX/XXXX. Since then I have contacted the company numerous times @ XXXX in XX/XX/XXXX and XX/XX/XXXX and was told repeatedly to call at a further date. As of today 's call ( XX/XX/XXXX ) I received word that no action has been taken since my last call of XX/XX/XXXX and have not received a resolution and reissuance of funds back to me. Please help me in this matter. The giftcards are issued by XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secrets financial institution of choice, Comenity Bank, has reduced my LOC 2x ( LOC reduced XX/XX/2023 from {$630.00} to {$550.00} and in XXXX from {$550.00} to {$400.00} ) within 6 months of each reduction, significantly lowering my score each time. Ive not paid late on the account for at least 2 years, IF EVER AT ALL, for the duration the acct has been opened. Im very concerned that this action is aggressive and excessive in nature, without warrant, and is undoubtedly and adversely affecting my ability to obtain other ccs; appearing unfavorable to other cc companies, causing undo financial harm.

This appears to be a trend for this financial establishment as there are countless reviews on several platforms of individuals expressing the same treatment. Its a counterproductive effort because Im paying the card minimum balance monthly and refuse to pay more than minimum considering the egregious treatment. Reducing my LOC to almost near what is owed is increasing my credit usage percentage, thus causing a significant decline of my credit score significantly each time the LOC is reduced. Im curious as to how this benefits either party especially if Im paying at least the minimum balance each month ( creating more interest on my part this benefiting Comenity ).
Product: Debt collection

The debt in question was billed in error. My employer ( XXXX / XXXX ) offered courtesy services but the service was not coded to waive the monthly fee. I cancelled the service when I found out this was not a covered expense, but the bill lingered for months despite multiple attempts for my employer to correct it. When separated from the company this bill was sold to a 3rd party debt collection company in error as part of a bulk sale of debt accounts because it showed as over 6 months old. My previous employer no longer had access to correct it. When I disputed it with the collection agency they sent me a copy of a bill stating it was proof of the debt, not the original contract or the cancellation docs which were all dated within the cancellation period.
Product: Checking or savings account

about a month ago i received an email from ally that my online access is restricted, they asked me to call them which i did, the agent i talked to wasn't nice and ended up hanging up on me! ever since i tried to reach them out but most of times i had the same experience, last time i called was a week ago, the agent hung up after XXXX minutes! 
i raised a complaint to XXXX and i got a response 10 days ago, they told me that they closed my account on XX/XX/XXXX ( they didn't notify me via email or phone ) " On XX/XX/2023, we closed your Online Savings Account ending in XXXX, and the funds in the amount of {$2500.00} were placed in a holding account and will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law '' now im not a big fan of Ally and i really couldnt care less about me being their customer, but i need my money, and i havent received a check from them yet and them saying that my funds will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law isnt answering my concern, HOW AM I SUPPOSED TO GET MY MONEY BACK? the funds were withdrawn from XXXX to Ally, and unfortunately paypal cant help me because i authorized the payments, all i want is my money back! 
upon checking online, apparently this problem isnt new, but most people reported receiving a check after having their accounts closed, i didnt and Ally i refusing to send XXXX or even give me details on how i can get my money which is frustrating, Oh and their XXXX fraud team is definitely not a professional one, i have been sending emails to them via their secure mail system and i never heard back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you that this is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$25000.00},, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}
Product: Debt collection

On XX/XX/18, I was contacted via voicemail by a woman who stated she was from MCOA, and asked that I call back. Once out of work at at XXXX I called the number back and, to which an automated line asked me to verify my personal Social Security Number, to which I did not provide ( at this point I believed the call to be a scam ). I reached a customer service agent, who then stated she matched my phone number to an account. She then stated they were calling regarding an unpaid photo - enforced traffic ticket that was almost four years old, and that it was for a speed violation in the XXXX of XXXX. I have never heard of the XXXX of XXXX, and the agent would not provide any further information, until I verified my personal information. I refused to verify any personal information over the phone, and requested a validation of debt be sent out. I was told they were unable, unless I verified my address. She also stated it could affect my credit record. 

I would like to note that I have never once recieved a ticket through the mail. The only ticket I recieved in my life was in XXXX, OH, and it was given directly from a police officer, and has been paid with reciept. I reached out to the XXXX, who confirmed there is nothing on my driving record, and recommended that I reach out to the cities clerk of courts to verify there is nothing there. I also checked my credit record to verify that there is nothing there. 

I then googled, " The XXXX of XXXX '', and came across the City clerks phone number, who transferred me to the police department. After speaking with one  of the officer 's, they stated that there is a camera in there town but only one person can pull up tickets in there system, and they are not currently in. I was then told to call back later and see. 

Being that I was never notified of the debt and that the collections agency, who waited four years to attempt contact, stated they were unable to send any validation of debt, this collections attempt is in violation of the fair debt collections act. While this may be a scam call, phishing for information, if the " alleged '' Debt is real, action should be taken against this.This company is obviously attempting to scam people out of their money on debts that never existed.
Product: Credit reporting or other personal consumer reports

Card information was stolen in a data breach and all charges were fraudulent. Discover will not remove negative remarks from my credit reports.