23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On my Wells Fargo Active Cash XX/XX/XXXX statement, I was charged {$29.00} for an interest charge even though I had paid my entire balance ( and more ), before the statement period ended. I called and spoke to a customer service rep with Wells Fargo on XX/XX/XXXX at XXXX XXXX Upon speaking with the rep, I explained the situation and he requested a credit, which was initially denied. I stated why I shouldnt have been charged interest. He then put me on hold and when he got back on the line, he said that he worked it out. I was told that the {$29.00} would be credited back to my card by the next statement period. I was told this multiple times in the conversation. I even confirmed again before we got off the phone. He assured me it would show up on my future statement. I got my new statement, which was a month later ( XX/XX/XXXX ) and it still had yet to be credited. I called today ( XX/XX/XXXX ) at XXXX XXXX  ( until XXXX XXXX  ), to ask what the status was and ended speaking to XXXX representatives who all acted clueless and offered no solutions. I eventually spoke to a supervisor who I asked why I was blatantly lied to a month ago and why it wasnt being handled correctly/rectified. She had no answers and provided absolutely no help. She just gave me the run around again and said someone would follow up with a call, which I dont foresee happening. Their customer service is beyond horrible. I cant believe that not only was lied to, but now have to go through all this trouble to get this resolved.
Product: Money transfer, virtual currency, or money service

They did not properly investigate nor did they help with the fraud committed against me on multiple occasions including when I provided solid information of being scammed. 
They basically said they couldn't do anything about it. 

My primary contact phone number is the associated zelle account phone number by XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair process, which violates 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 violations.
Product: Debt collection

I noticed I had a collection with CKS Prime back in XX/XX/2023. I paid in full the amount due which was {$640.00} on XX/XX/23. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. CKS Prime is saying that the debit paid is to a different creditor. That is false I paid CKS and have acknowledgement from CKS I owe them nothing. CKS kept the payment and never returned the money if I owed someone else, I am due a refund from them. I asked for verification on the collection that is reporting to my credit bureaus. I never received verification or proof I owe CKS. Strangely, the amount I paid is the same amount reported to XXXX, XXXX, and XXXX. I will attach tracking information which shows it was received from CKS Prime. At this point, I need two verifications, one for the {$640.00} and another for the collection still reporting for the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX.  He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a recent identity theft incident that has resulted in several fraudulent entries on my credit report. These 3 unauthorized accounts and 9 inquiries were added without my knowledge or consent, and I request their immediate removal to rectify this matter. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX An official identity theft report has been filed with the Federal Trade Commission ( FTC ) , and I urge the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Mortgage

why was I not notified about this company and the compensation for failing protection against foreclosure. 
Consumer Financial Protection Bureau Takes Action Against XXXX XXXX for Failing to Provide Mortgage Borrowers with Protections  Against Foreclosure XXXX XXXX to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices XX/XX/2017 as you can see from documents and XXXX trying to get loan mod for me and them at XXXX XXXX outside auctioning my home to XXXX XXXX  ( same day ) asking for more documents. and HAMP guidelines state ... the lender must give so many days between asking and getting documents and foreclosure on the borrower. I was never denied and the proof is in the XXXX document
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a letter from my Mortgage lending company ( Lakeview Loan Servicing LLC ) stating they did not have proof of Home/Hazard insurance and therefore are going to be placing forced insurance on my account. I have an escrow account through Lakeview, therefore they are responsible to pay the home insurance premiums in a timely manner. ( Refer to 12 CFR 1024 Real Estate Settlement Procedures Act Regulation X ). XXXX XXXX XXXX began contacting myself and Lakeview Loan Servicing LLC in XX/XX/2023 for the upcoming renewal of the annual premium for home insurance in XX/XX/2023. Multiple attempts were made to receive payment from Lakeview Loan Servicing yet no payment was sent. Lakeview Loan Servicing failed to send payment on time and subsequently caused XXXX to cancel our policy. I have been on the phone with Lakeview for 2 hours telling them they failed to pay and now we are being punished with this increased forced insurance. Lakeview Loan Servicing sent a check to XXXX on XX/XX/XXXX, overnight, being received on XX/XX/XXXX. ( See attached documents for tracking number for check mailed ) 6 days after the final pay date, which by then was sent in vain. XXXX returned the check because the policy was, as stated, cancelled due to non-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report. 
6. Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

TD Bank is charging a higher interest rate than they are contractually allowed. Consequently the balance is not diminishing due to the inordinate amount interest. They refuse to respond to my claim. Instead they have increased the harassing calls in response to my complaints.
Product: Credit card

Contracted with Lowes of XXXX NY to install a fence. A Lowes Credit Card account was opened in XXXX 2016 for the purpose of financing the project. As of XXXX XXXX, 2016 the fence and materials are still not installed and delivered. Lowes Credit is still charging me interest and requiring monthly payments on materials and service that they have not provided. I have made several attempts to resolve this issue with them to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to them numerous times and information continues to change. I'm showing late payments, account still open. 
Bankruptcy case # XXXX. It is affecting my credit score very badly.
Product: Credit card

Hello I've contacted the bank about these duplicative and fraudulent transactions over a year ago, and they've never responded to me. I've sent letter, sent an online message, and waited on a phone call hold over an hour. I request all of these transactions credited. The same company that I do not recognize is charging twice in XXXX XXXX, and XXXX XXXX.

XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36.00} XXXX points
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX submitted a fraud claim to XXXX Capitol One, and XXXX. This claim stems from me accepting a fake remote job online from a person who acted as a professor for my school XXXX XXXX XXXX XXXX. I sent this fake professor personal information when accepting the job. After weird charges started to show up on my credit card accounts, and me sending payments to the fake professor for work supplies. I spoke with the XXXX XXXX XXXX asking if the professor really worked there and if this job was real. I was told no, but this was a big problem XXXX XXXX XXXX XXXX was facing at the time ( fraud/ scamming students ), and I was instructed to call my credit card companies and file a claim. In which I did on again XX/XX/XXXX, sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with XXXX XXXX of the issue. The fraud claim was accepted and I was told these accounts would be written off, closed and removed. I then leave the issue along thinking its been resolved. Time passes now in XXXX i XXXX  in XXXX, before my last semester I found out I ran out of financial aid. So I went to apply for some loans to make sure I get my degree for a job I had lined up. I ended up getting denied due to derogatory marks on my credit report being the same credit accounts XXXX, Capitol One, and XXXX that was associated with the fraud case. Upon looking at my credit report they were still listed on my report at just charge offs and the cards had looked as if they were still used for some time. I took action by contacting the credit card companies to which they stated the fraud claim is denied due to no police report. This was a contradiction to what was stated in XXXX, XXXX when the claim was accepted as fraud and I was told it would be removed. I took up more action by getting a police report this time, along with writing letters to the Capitol One, XXXX, and XXXX of the incident. As well as sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue again. In addition to a consumer report as well. I have yet to see these accounts removed, even though I have provided all necessary evidence, and they have found the claim to be true in XXXX.
Product: Mortgage

My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XXXX of XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than XXXX months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past.
Product: Vehicle loan or lease

This balance is not correct, the bank did not send the actual sales information and the reason for the delivery was changed by the bank, not the original reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to request the method of verification for dispute initiated in XXXX and the subsequent response received on XX/XX/20 Report number XXXX to your recent claim that XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # XXXX verified the account they are reporting is accurate.

Be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
The documentation used to verify the dispute Any automated response or e-Oscar verification is unacceptable. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness.

The items in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Consumer Loan

I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages.
Product: Credit reporting or other personal consumer reports

I want to formally request verification of the debt associated with the XX/XX/XXXX XXXX XXXX account ending in XXXX, which has been inaccurately reported on my credit file in the amount of {$1600.00} opened on XX/XX/year>. I dispute the accuracy of this account and need the following documentation to substantiate the debt : 1. A complete statement or itemized bill showing the original charges and any payments made. 
XXXX. A copy of the contract or agreement that establishes my responsibility for this debt. 
XXXX. Proof that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect on this debt. 
MY WALLET WAS STOLEN TWICE AND XXXX HAD A HUGE DATA BREACH!!! SEE ATTACH MY DOCUMENTS AND POLICE REPORT. I continue to report these mthings. 
I am requesting this information under my rights per the Fair Debt Collection Practices Act ( FDCPA ). Please provide the required documents within 30 days of receipt of this letter, or I will pursue further legal action for FDCPA and FCRA violations.
Product: Mortgage

Finance of America Reverse, LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX XXXX located in XXXX CA XXXX XXXX Their closing company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Improper Appraisal Delay- The direct reverse lender Finance of America Reverse LLC. , delayed the appraisal. 
After refusing to take any responsibility and falsely claiming that they had not delayed or cancelled the appraisal, without apology, they eventually agreed to honor only the original loan application terms -- even though they caused the 120 day HUD terms and rates lock to expire. 
The exact words from the manager XXXX via email were, We will honor the terms executed when the application was signed. 
However, not surprisingly, the closing paperwork that we were presented and signed had completely different terms than the application, with a different rate, added fees, etc. 
Even after mentioning the above bait and switch tactics, they still refused to correct their shady behavior, selectively ignoring numerous emails asking for clarification. While they eventually responded, they did not answer all of our specific questions. 
We have evidence indicating that they did delay and affected the cancellation of the appraisal, despite their fabrications made to the contrary. 

Furthermore, the last quote they agreed to was for better terms, including a fixed rate, which they refused to honor. 

Trust- They also improperly refused to accept our Certification of Trust, instead demanding the entire trust. This action unambiguously violated California Probate code 18100.5., stating that ( a ) The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. 

I provided numerous opportunities to provide transparency, but it is clear that they have been getting away with these and other tactics for a long time and think that they are above the law. While they are nice salesman in the beginning, they showed their true colors after they got us hooked. Rates went up, so they want to lend at the higher rates. It also seems obvious that they do not have sufficient staff, including having a resolutions team to solve problems, as most other direct lenders. But it is the lack of truthfulness that is really problematic.
Product: Credit card or prepaid card

My account with PNC was closed in XXXX of 2019. Since then this account has reported inaccurate negative information on my report. I have disputed the 30 days late payment that is showing on my report multiple times and have tried reaching out to PNC and all the credit reporting agencies. PNC tells me to dispute with the bureaus and the bureaus tell me to dispute with PNC. They are giving me the run around.
Product: Money transfer, virtual currency, or money service

XX/XX/10 {$51000.00} from my joint account without my permission, my spouse gave such a huge money to coin scammers. I am so angry about such a big money tra nsfer should have contacted another joint account holder before transferring the money. I lost total {$78000.00} to the scammers because of my spouse. I lost all down payment money due to the scam.I am the real victim and processing divorce now.