23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo cut off my XXXX payments before the 36 months the policy promised. My start date of XXXX benefits was XX/XX/XXXX. My payments for 36 months should originally have terminated at the end of XXXX. Because of my age ( XXXX when benefits started ) and another special criteria, XXXX XXXX, the policy allows an additional 12 months of benefits beyond the regular ( due to my age and XXXX XXXX  ) I should have been paid through XX/XX/XXXX. See attachments for Plan criteria. 

Although my treating doctor asserted that I was still XXXX a separate unqualified doctor hired by Wells Fargo, stated that I was not impaired. My doctor was a specialist and their doctor was not. They paid her {$840.00} to write two paragraphs to the banks benefit to deny the benefits. The adverse claim denial letter and the claim file both showed my doctors reports through at least XX/XX/XXXX ( my treating doctor sent XXXX pages of medical documents on XX/XX/XXXX ). I was not notified of the denial of benefits until XX/XX/XXXX XXXX also requires employers to provide a summary of material modifications to plan participants. This summary contains information about major changes to the plan and must be sent to plan participants within 210 days after the end of the plan year when the changes were made. I did not receive the summary of material modifications and spent months attempting to just get a copy of the original Plan. 

The XX/XX/XXXX version of the Plan document ( WF Policy ) eliminated the reference to special mental health conditions that allotted for an additional 12 month of benefits. I was qualified for that special consideration. But the copy of the Plan sent to me in XX/XX/XXXX did not contain the paragraph referencing the special conditions and its removal was not documented in the amendment section at the back of the document. It seemed that the material had just disappeared. I looked up the employee copy of the XXXX in the employee handbook in XX/XX/XXXX and the section was not remove in that document which is supposed to mirror the Plan, ( the document in the employees handbook ) The XX/XX/XXXX official copy of the Plan did not document the removal of the special circumstances section. The amendment section in the Plan is required to document all additions, changes and deletions when changes are implemented. Wells Fargo failed to do so.

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Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their repeated refusal to update my current address and delete old addresses from my credit report, despite providing them with ample documentation to support my request. Over the past year, I have sent numerous letters to Experian, providing all the necessary documentation to update my current address to : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The documents I provided include : A copy of my drivers license showing my current address. Recent utility bills reflecting my current address. Car insurance documents also indicating my current address. Despite my repeated efforts, Experian has failed to update my address and continues to list outdated addresses on my credit report. This is causing confusion and impacting my ability to manage my credit effectively. I would like to note that both XXXX and XXXX updated my address without any issues using the same documentation. This further highlights Experians lack of responsiveness and compliance with my requests. I believe that Experians failure to address this issue in a timely manner is a violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX These addresses above are on my report and are not addresses I lived in, 1 is my sisters and 2 are my parents which I never lived at.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20.00} XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXXXXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX Balance {$480.00}
Product: Debt collection

I have a credit card with Amazon for XXXX. I never recieved any written documents to dispute this account. The total on the account is invalid and I attempted to close this account with no success resulting in further late fees. I attempted to dispute this account recently when it negatively impacted my credit score and they wrote it off which I would lile removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX XXXX  Dear Discover Financial Services and I am writing to formally dispute the inaccurate and fraudulent account that has been readded to my credit report. The account in question is listed under the following details : Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/year> Account Type : Credit Card Status : Charged Off This account was previously removed from my credit report as part of an investigation confirming it was fraudulent. I was XXXX  at the time this account was opened and could not have opened or authorized any such account. Despite this, it has been placed back on my report, causing undue harm to my credit and financial well-being. Additionally, this account is over seven years old and should no longer be reflected on my credit report per credit reporting regulations. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent account be permanently removed from my credit report. Please conduct an immediate investigation and provide written confirmation of your findings. I am enclosing supporting documentation, including proof of my XXXX  during the time of account origination, to validate my claim.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX 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: Debt collection

UNDER FDCPA SECTION 807 ( 8 ) BANK OF AMERICA , NATIONAL ASSOCIATION REPRESENTED BY XXXX XXXX ( SENIOR RESOLUTION AGENT IN NORTH CAROLINA. ) HAVE FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREUS, YET CONTINUE TO HAVE AN UNJUSTIFIABLE LIEN ON MY PROPERTY XXXX XXXX XXXX, XXXX, PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer has not consented, authorized or benefited from any of the following adversely furnished data. Without written consent, this constitutes identity fraud XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and Equifax XXXX XXXX Up Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Leasing Desk Federal Government Inquiry date : XX/XX/XXXX & XX/XX/XXXX Equifax Inquiry XXXX XX/XX/XXXX and XX/XX/XXXX Radius Bank inquiry date : XX/XX/XXXX XXXX  ACCOUNT # XXXX CHARGE OFF XXXX  XXXX Acct XXXX Charge off XXXX XXXX XXXX XXXX Unvalidated Collection XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Ally Financial Late Payment XXXX XXXX XXXX XXXX XXXX non consented data
Product: Student loan

I applied for a federal consolidation loan on XXXX/XXXX/XXXX, included in this application was an application for income based repayment under the REPAYE program. 
On XXXX/XXXX/XXXX my federal consolidation was finalized. 
On XXXX/XXXX/XXXX my RePaye application was rejected citing to insufficient paperwork to establish income. 
On XXXX/XXXX/XXXX, I called the servicer re : the rejection ; the servicer indicated that after re-review of the documents, the rejection was in error, and that my Re-Paye repayment plan application was correct and would be acted on soon. 
XXXX/XXXX/XXXX, having heard nothing from the servicer, I again inquired about the status of my Re-Paye plan application,. I was told my application was missing paperwork and needed to by updated, the income information had become stale given the time that had now past because of the servicer delays. On XXXX/XXXX/XXXX, I uploaded a copy of my two most recent pay stubs to the servicer 's website. I asked for expedited review. I called twice in the following week, explaining all delays and requesting expedited review of my re-paye application. I was told the repaye application would be expedited and completed the next day. On the next day I called to confirm conpletion and was told it would instead be 1-2 more months for the Re-Paye application to be processed. During this time interest on the unpaid loans has been accruing. Also, my full standard payment is now due XXXX XXXX, XXXX. I have been told that they can not change the due date and they can not add forbearance, because it will cause my re-paye application to be rejected. I ASK THAT MY RE-PAYE APPLICATION BE REVIEWED ASAP, AS IT HAS BEEN WITH THE SERVICER FOR OVER FOUR MONTHS. I ASK THAT IF THEY CAN NOT CALCULATE PAYMENT BEFORE MY LOAN DUE DATE ON XXXX/XXXX/XXXX, THEY CHANGE MY DUE DATE UNTIL LATER IN THE MONTH. There is a huge backlog with the servicer, and many many kinks to be worked out in their system for approving re-paye applications. These administrative failures on the part of my servicer is likely going to cause my loan to default. I can not afford the standard full payment. Please help expedite the Re-Paye approval process.
Product: Credit card or prepaid card

Several months ago I tried to order groceries online when I was in quarantine for Covid-19. It took me HOURS to get a time slot and order the groceries. After I finally placed the order and got a delivery time slot, I received a notification that my order was canceled and I thus lost the time slot that I spent so many hours over a period of days to get. I tried calling CIti, not possible. The online grocery store customer service agent finally told me that my card didn't work. I later found out that ONCE AGAIN CIti had problems with their security and thus for at least the 10th time, canceled my credit card! Since I was in quarantine in XXXX, rather than at my house in XXXX and no one would answer the phone at Citi, I had no way to get my card. So I had to spend the past 6 months using someone else 's credit card to buy essentials. 

The excuse Citi uses for charging not only an annual fee, but an extremely high one, is that they give miles on XXXX XXXX and a free checked bag. Since I can not reach a live person, and they removed the Secure Message Center link, and only have a " live chat '' which wastes time and tells the user to call -- again the number no one answers during Covid-19, or MAIL a letter, which clearly does not help in less than a few weeks, if ever, I asked, on more than one occasion for a refund of the annual fee -- I have screen shots showing that I requested that IMMEDIATELY. There were always excuses. I did not agree to this fee, I do not pay a fee on any of my other cards, and they give me benefits that I can actually use. 

Please help, as Citi is taking advantage of customers, especially during the Covid stay at home period when people can not go to banks or stores in person. I do not like that they get away with what they do by not having a manned phone line or email. They put customers in a useless loop.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX XXXX  Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXX Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or 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: Debt collection

I was contacted by BHA the purchaser of a debt from XXXX XXXX. We are happy to pay the matter. They sent an email with a link that is requesting far more information than the credit card. 
I advised the company the link was not working and then was told it would be fixed in a week. 
As of yesterday, I started to be called a harassed by XXXX and XXXX regarding teh very matter indicating the only way to pay is I must provide all my personal information. 
As I advised them I am happy to pay the matter at the specified amount of XXXX in receiving that I would be given a settled in full letter. They insisted they needed all my information and kept calling me while I was at work. This morning call took the cake I called to try to get some real details and then was asked really sketchy questions. What do I do for work. Why do I do that work etc. CFPB can you contact this company have them to be forth right with providing the proper tools to care for this matter. And or look into there practices of and tactics as there should some sort of investigation done in this matter. 


see the email see the link that is shady Name : Original Creditor : XXXX XXXX Our Account # : Original Account # : Payment ID : Total Balance : {$2200.00} Dear Mr.Mrs., In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$1700.00}. The settlement is to be paid in one payment no later than XX/XX/2023. 

You can pay online at www.bhabillpay.com ( using the payment id listed above ) or you can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees & All Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

BHA Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.
Product: Checking or savings account

XXXX XXXX, they have deducted money out of my account in the months of XXXX, XXXX and XXXX when I had cancelled the health Policy that I had with them ( XXXX ). I reached out to stop the transactions and asked for a refund but they promised they will but it never happens. They will ignore you and keep your money, at least that's how it feels. I gave them my account number and routing number for recurring payments and they did it in a form of a virtual check where they bank can not put a hold on incoming payments. I feel that I am probably not the only one that has been having this type of issues with such LLC.
Product: Checking or savings account

THye opened my account XXXX, XXXX, 2021. Last year I wrote a check or used my card which is covered by overdraft and they shut down my account and told me if I paid off the debt I could reopen the accopunt. SO Yesterdfay I went to reopen the account and then call Arvest account line to get my online username established and they tell me my account will shut down in 14 days. They have lied to me I paid my overdraft protection and which you can use it with your debit card so they are being discriminatory towards me and I would like my account opened immediately or else they can look at discriminatory action on their behalf. I need my account left open and the branch to approve of this because it is apart of my coverage. THank you Very much and look forward to hearing your input on such circumstances. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting

About XXXX months ago my credit score was in the XXXX, then it went down to XXXX and now it is down to the XXXX I do n't understand what is going on. I looked at my credit report and do n't see any changes. There is no one to talk to at any of the phone numbers. I need to speak to someone and inquire about the drastic drop.
Product: Credit card

I have had an American Express XXXX XXXX since XXXX. During this time I have never made a late payment with American Express. My balance has been about {$50000.00} or so for the last few years. I was out of work for a time and used the card for many of my normal expenses. I was happy to learn that Amex would allow me to " pay over time '' for these charges and make it more manageable for me to pay the card balance off over time. However, the interest rate that Amex is billing to my card monthly ( 20 % of the total balance ) has made it almost impossible to make any progress on the balance. I have called and spoke with Amex multiple times but they have done nothing to even look at my situation. At this point I have been paying them almost {$12000.00} a year in interest. I am asking for your help to have this rate lowered and potentially receive some of the years of interest overpayments back. Here is the interest charged in XXXX to date. 

Month/Interest Charged by Amex XXXX {$830.00} XXXX {$840.00} XXXX {$860.00} XXXX {$820.00} XXXX {$870.00} XXXX {$840.00} XXXX {$830.00} XXXX {$900.00} XXXX {$840.00} XXXX {$870.00} {$8500.00} on a balance that hovers somewhere around {$50000.00} with payments between {$3000.00} to {$5000.00} each month. 

I am happy to provide any more information you need. This seems very extreme to me and not fair to consumers. I expect more from Amex and this is the only way I think I can get their attention and help. 

Thank You!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my start-up account, Blockchain.com, was verified. Shortly after I deposited {$230.00} my account showed the verification process was in review. Therefore, I cant withdraw or transfer my funds to another wallet. Ive attempted numerous times to get a resolution to this issue. I only received form emails stating trouble tickets were issued and I will soon receive a response. I never received any form of communication regarding the issue.
Product: Mortgage

The mortgage company that I deal with : Mr. Cooper has continually manipulated my monthly payments by applying my regular monthly payment and, any additional principal I add, and apply that entire amount directly as a principal payment without notice. My last monthly payment ( plus {$100.00} toward principal ) dated XX/XX/XXXX was applied as a principal payment. This situation has  occurred several times before. Numerous times I have had to call and complain. During one of these calls, I was told that if I " signed up '' for online payment on their website that I would no longer have an issue with payments. I did not want to make online payments but, thinking that would alleviate the above issue, I agreed. 
As for the online process, it is straight forward in steps, it clearly asks if you want to make a " regular payment '' and in step 2 it asks if you wish to add extra for principal or escrow. Why is Mr. Cooper not processing my payments correctly? Why are they not notifying me that my payments are not being applied correctly. I believe, because at times I wish to make advanced payments a few months ahead that they take issue with that. Due to the fact that we are all going through unprecedented times I am taking measures to ensure that at least my mortgage among other things is covered, just in case. If Mr. Cooper takes issue with me making advanced monthly payments, they should notify me immediately. 
My mortgage has been transferred 3 times since XX/XX/XXXX. Nationstar/ Mr.Cooper are the only lenders I have had adverse issues with. I do not believe they deal with their customers in good faith including other aspects of a loan, namely, escrow. My last escrow audit was strange to say the least and not explained very well when talking to a representative. During that conversation and on a different issue, the representative said that she would immediately send an e-mail explaining my pay-off amount for my mortgage. The e-mail was never received. 
I wish to respectfully request your office look into the above issue. Thankyou!