23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello- I'm writing concerning my mortgage company, Wells Fargo XXXX I applied to the Massachusetts Homeowners Fund due to COVID. I was on a suspension from payments from XXXX XXXX XXXX XXXX. I'm now behind those months and XXXX and XX/XX/XXXX. The last 2 payments are due to being in review for a loan modification. In XXXX XXXX, I applied for the Massachusetts Homeowners Assistance Fund. It's still in review. When I spoke to HOA, they said that they're waiting on Wells Fargo to get on board with the program. I was emailing a representative from HOA, XXXX, about technical problems logging on to their site. She said that their notes said that I was approved for the program. But once again, she said that they're waiting on Wells Fargo. I originally found out about the program from a Wells Fargo representative back in XXXX XXXX. It's on their website about the program. Yesterday, I spoke with my Home Preservation Specialist, XXXX XXXX. I asked him if he received all the faxes with documentation that I sent. Including in the faxes was a copy of my HAF application. I wanted my mortgage company to know that I had applied for assistance. He said that he didn't know much about the HOA program. And spoke with his supervisor, who also said the same. Now, they act like they've nothing to do with this. This is so not right. Because their customers really believed that they were trying to help them with their experiences with COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

we need to update all three credit files at XXXX and XXXX and Experian. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely,
Product: Student loan

I have contacted EdFianacial multiple times regarding my account. I originally filed for the a full refund of my student loan payments on XX/XX/2022 and have not received any updates or movement on my case. It's been nearly a year and they have reinstated my entire balance without providing me any form of my previous refund requested. It's extremely frustrating and every time I reach out to them directly, they claim they is no update and nothing they can do to process it.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not an
d did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit card

Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. 
Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.
Product: Student loan

When I applied for PSLF Mohela denied the payments I made when working for a previous employer even though the website says that this is a qualified employer. When I sent emails I received a generic automatic reply that did not address their error. When trying to call them about this error I was on hold for XXXX XXXX hours! Only to be told by the customer service rep that she couldn't answer my question either. It took several calls to even get someone on the phone. I finally had to put my information in incorrectly before I was finally routed to a person. 

These loan payments are causing me financial difficulties and it is frustrating when you can't get them to correct their own errors!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to use my XXXX card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my XXXX account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.
Product: Credit card or prepaid card

I selected a Southwest round-trip flight for four, scheduled for XX/XX/XXXX-XX/XX/XXXX, XX/XX/2019. The total came to approximately {$2300.00}. On the check-out screen, there was an offer to apply for the Southwest Rapids Reward card by Chase. The promotion being offered was {$200.00} statement credit and a points bonus for spending {$500.00} in one month. The web site stated that my Chase credit card application could be approved in 15 seconds, and that I would be redirected back to the XXXX web site to complete my purchase and earn my promotional bonuses. 

I applied for the card, clicked " Submit, '' and within 15 seconds was taken to a screen stating my credit application was approved. The page stated that once I clicked " Continue, '' I would be taken back to the XXXX site, where my promotion would be applied and that I had 30 minutes in which to complete my ticket purchase. 

I clicked Submit, was redirected to the XXXX site, but nothing happened. The page hung and refused to load. I touched nothing, worried that if I clicked anything, I might not get the applied bonus. 

I waited five minutes, then called Southwest Customer Service, where they told me it was a computer glitch and that literally nothing could be done about it. I called Chase, and they told me the same thing. 

So now I have applied for a card and had my credit score pinged for a bonus I did not receive, as I still need to book the flight today and have no further use for the card. Southwest told me there was no way they could hold the flight, or credit me {$200.00} for it, and Chase told me there was no way to get my card number so that I could use it on this exact flight, as advertised. Southwest tried to blame my computer for the hangup, and Chase told me " we aren't XXXX XXXX, '' refused to offer an additional statement credit or any kind of courtesy for their glitchy process, and on top of it had the nerve to say there was no customer service issue. Obviously this is a bait-and-switch to get people to sign up for their card on the spot, a mistake I will never make again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Product: Money transfer, virtual currency, or money service

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 re droas I want the CFPB to publish this description on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recieved response for the buraeus. saying I using 3rd party to help me on my dispute letters. I never use crredit repair company for my letters please delete all the negative accounts and inquries. 
Account name : XXXX  XXXX Account number : XXXX Account balance : {$300.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account balance : {$200.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX XXXX Account number : XXXX  Account balance {$0.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXXXXXX XXXX XXXXXXXX  Account number : XXXX Account balance : {$420.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$560.00} Date of account open : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}
Product: Mortgage

I have been trying to re-fi my home. Seterus, Inc in my current mortgage company. I have requested several documents to be faxed or mailed to me. I gave XXXX different fax numbers and I was told it was sent at least 4 times to each number. I finally gave them the number to the lender I was working with. It was received. This was on XXXX XXXX. 
I then found out on XXXX XXXX, 2016, that Seterus, Inc. paid XXXX different homeowners policies. I am now trying to seek reimbursement from the Insurance company I cancelled with. I requested information from Seterus, Inc and I was told I would receive within XXXX 7 days. Today is the XXXX, and still nothing. I called Seterus, Inc. and explained what I was calling about. I was put on hold and disconnected. I called back again, explained the situation, and again, put on hold and then disconnected. I called a third time, and finally reached a good representative who was willing to help me. She explained that it was cancelled because they only process XXXX request per 30 days. What the heck??? I have never heard of something so obsurd, not to mention, the request was due to their mistake. Due to a bankruptcy, they will not send me a statement, nor will they re-instate my loan. It does not show on my credit report. I have had this company for past 6 years and it is always an act of congress to get anything I need without calling several times. This customer service is the absolute worst and I get a different answer every single time I call about the same issue. How can a company be so horrible? I filed bankruptcy due to a life changing event, but I did not file against my home. I have never been late on payments, nor behind. I feel as if I am being discriminated against because I had to file bankruptcy. 
I have read so many reviews about Seterus, Inc, and they are all the same. 
Is there anything that can be done to straighten this Mortgage company out???
Product: Credit card

On XX/XX/year> I was injured in a car accident in which my vehicle was towed. I had personal items in the car and my information such as debit cards, emails, phone and Id was compromised. I noticed a charge for {$200.00} on my statement. I thought it was XXXX XXXX An insurance company but turns out it was a travel agency. I reported the charge as fraud. I contacted the bank and merchant. After waiting my bank denied the dispute and the travel Agency refuses to refund my funds or provide me with a credit. I have not received a service or product and the charge is unauthorized. Both companies are leaving me in limbo and have taken my money
Product: Money transfer, virtual currency, or money service

I send a cashapp money transfer on XX/XX/XXXX at XXXXXXXX XXXX The transfer was sent to the wrong cashtag address. The payment amount was {$150.00}. I sent a screenshot text to the intended recipient immediately after sending the cash app transfer. ( I have attached an image of all screen shots, including an image of all cashapp support communications ). The {$150.00} dollars is still showing as a pending payment in my cashapp profile along with the {$1.00} request for refund that cashapp support suggested I send to the erroneous sender. 
I spoke to XXXX, a cashapp support person Monday morning XX/XX/XXXX. XXXX instruction to me were the same as the instruction i have forwarded in the support chat. 

XXXX instruction to me was to have the intended recipient reach out to the cash app support by phone to discuss the refund. The intended recipient had already reached out to cash app support and was told the sender should call for a refund. 

All cash app transfer are stored in my claimed file when they are claimed by the untended recipient. the {$150.00} remain as unclaimed in by cash app file. 

I feel this is a scam and cash app is making a fortune on unclaimed funds and not refunding unclaimed cash to the cash app sender. 

Thank you for your service to consumers in this country
Product: Debt collection

There has been a collection account placed on my credit reports that I have no knowledge of. The account is listed as Enhanced Recovery Corp, Acct # XXXX. In or about XXXX 2014, I sent a letter to this company via the address provided on my credit reports. The letter was sent in request of validation of this debt according to my state laws - Texas Financial Code 392. As of today, it has been 60 days and the company has not provided any information that proves that this debt belongs to me. I have requested verification via the credit reporting agencies but have not been provided any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows 3 paid off accounts at times as paid off satisfactorily ( correct ), and at times as closed delinquent ( incorrect )
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I order all withheld credits released and to be applied. how am i supposed to pay a debt with a debt XXXX  XXXX. No concent given to sell share or evaluate my credit worhiness only GOD may judge me i dont believe transunion or XXXX or XXXX are qualified and all debts public and private are responsability of The United states of America and I am not a fiction but a XXXX XXXX XXXX XXXX XXXX and not lost at sea and one who signed up for the draft and pleged my allegiance to XXXX and my fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our ideals and constitution and i have a god given right to obtain credit as im at age of Majority and of a sound mind
Product: Debt collection

RMP LLC CALLED ME TODAY ABOUT DEBT, DIDNT VERIFY ANY INFO ON THE PHONE BUT TOLD ME I OWED A DEBIT.. VERIFIED THEY HAD THE WRONG ADDRESS.. ASKED IF I COULD TAKE CARE AND GET REMOVED FROM MY CREDIT AND THEY TOLD ME NO.. I HUNG AND CALLED BACK THE NUMBER THAT CALLED ME ( XXXX ) AND SAID THE NUMBER WAS DISCONNECTED.. SO I THOUGHT WAS A SCAM ... LOOKED UP THERE NUMBER.. CALLED BACK TO UP DATE MY ADDRESS AND GET A BILL THAT IVE NEVER REC. ONE OF THE REPS SAID THEY WAS CALLING FROM HOME THAT WHY THE NUMBER CAME BACK DISCONNTED.. THATS A LITTLE CONSIRING TO ME THAT MY PERSONAL INFO IS AT SOMEONES HOUSE ... WHICH SEEMS WRONG AND EVERY WITCH WAY ... CAN YOU PLEASE HELP ME..
Product: Credit reporting or other personal consumer reports

Attached is a copy of my identity theft report. 

After recently checking my credit score I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representativ
Product: Credit card or prepaid card

Made a payment on XXXX that was acknowledged by the company and showed in online transactions but was charged late fees and interest. Called on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. They finally reversed the charges but called it a XXXX time friendly gesture. Paid again on XXXX and again they have charged me interest and a late fee. Have spent XXXX separate sessions of over an hour on hold but then they disconnect me. Am paying off the balance today and will not use the card again but very frustrated. I have never paid late in my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017