23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that one was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left XXXX voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : incorrect information dispute for Social security # of Amex Account XXXX I have to followup with th CFPB after Amex failed to respond to my repeated letters and phone calls. I am complaining to you to remove the following false information I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : Amex Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. This the account that I marked as inaccurate : XXXX XXXX XXXX # XXXX.
Product: Checking or savings account

Wells Fargo ATM entered an incorrect amount on a check I gave to my son. After countless hours on the phone and visits to the bank in person, ( we were given different information each time ) Wells Fargo failed to honor the check. They are telling him to just get another check!! This is Wells Fargos fault and they will not resolve it satisfactorily. Its caused a lot of wasted time on my sons part, and anguish on mine! 

Wells Fargo also will not return the original check to us. According to them The Case is CLOSED.
Product: Credit card or prepaid card

I applied for a credit card with Amazon.com. I received the credit card in the mail but never activated it. Someone fraudulently opened the account and charged some movies months ago. Amazon acknowledged the fraud and zeroed out the balance then closed the account, at my request. As far as I know, the account is closed. I keep receiving emails and I just got a statement in the mail with a balance. Ive attempted numerous times to resolve this over the phone and it has taken hours but its still an issue. I had a different Synchrony account when I purchased furniture to furnish part of my house and didnt have issues with them then. It appears their customer service has taken a turn since then. They claim I have a balance ( {$33.00} ), but I respectfully disagree. I called last month and asked if this would adversely affect my credit and was told no. I was told that their fraud investigation could take up to 90 days if memory serves. Im not sure when they opened it but the fraud took place at least 2 months ago. This is all very disappointing and frustrating. I plan on attempting to also file complaints with the CFPB and the attorney general.
Product: Credit reporting or other personal consumer reports

This grumbling to BARCLAYS BANK DELAWARE was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Product: Mortgage

I have been trying to save my home and the lender continues to play games with my loan. They first messed up on my original review and tried to blame the reason that my counselor had given the wrong answers. After waiting over 4 months for them to close the previous review they are continuing to misplace my information. 

My counselor XXXX XXXX called them on Monday XX/XX/XXXX and they advised that I could move forward with 2 options. A partial claim by itself or a HAMP with a partial. My counselor advised them that I want the HAMP with a partial claim because that would benefit me the most. 

Today on XX/XX/2021 they continue to ask the same thing over and over again! I have already advised them what would benefit me and I don't need them to give me another excuse!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
Equifax reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Mortgage

I had a loan with KeyBank with a 10 year arm. 2 months prior to the full payment due, I attempted to refinance with KeyBank or extend the 10 years. They denied my refinance and denied my extension. I had 10 years of excellent service with them. All payments were on time, they never missed a payment from me. When submitting my extension request, I said I will do whatever it takes, including sell the property to help them and myself achieve our goals. They denied me because they said I wanted to sell. I told them I was just trying to show them that I will do whatever it takes to make them continue to work with me. Then I applied and was denied based on school loans. I am still XXXX and my loans are deferred. I payed off a XXXX mortgage with KeyBank with my retirement and they told me to apply again. I was denied again. Only this time I waited for a reply and got nothing, I emailed, heard nothing, then finally called and they said that now I was outside of my time for the loan and would have to reapply a 3rd time. My emails get deleted to KeyBank without being read through an automated system according to the person I talked to. Attempt # 3 was unsuccessful and I was denied. I then had to have my mother buy the house from me as a rental property herself. That took 3 months over the 10 years and now my credit is affected all because KeyBank would not work with a long standing customer. Now I just realized they are charging me {$18.00} monthly to have my checking account with them. What a horrible company!
Product: Money transfer, virtual currency, or money service

I started the transfer of {$500.00} XXXX on XX/XX/XXXX at the time of the transaction on the website says XXXX to XXXX  days but it sent an automated e-mail saying receiver will receive the money on XXXX, I called them since XX/XX/XXXX, they do not provide any information of where the money is, the receiver also could not verify the amount is credited to his account. The money is extracted from my bank account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/, Nelnet began billing me for an alleged student loan I, XXXX XXXX : XXXX allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax stating that i requested an initial fraud alert on my credit file. I never did no such thing. Tried to get in touch with Equifax & its impossible to talk to someone. They say this fraud alert will stay on my file for 90 days & they notified XXXX  & XXXX also. I never requested this & i want it removed immediately. Please help
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$74.00} XXXX  XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$270.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had excellent payment history with Comenity Bank : XXXX ( XXXX XXXX ) Account XXXX for years, until I got sick XXXX XXXX and wasn't able to make a payment on time. 

My husband called the compnay on my behalf and reached an agreement with them on a recorded line, where he put in a promise to pay at a later date and they agreed to record that promise to pay in the account and not issue any late fees or negative reporting to the credit bureau. 

I did call and not only did I pay the amount due, but the entire remaining balance, however negative reporting went into my credit report despite the recorded agreement in place. 

I tried disputing with them directly and received a letter simply denying. They never even went through the trouble of looking up my account. I then submitted a separate dispute through XXXX and still nothing was resolved. They refuse to hold their end of the agreement even though I held mine. 

They should be held accountable for any notifications and promises they make in exchange of payment to customers over the phone on recorded lines. Is simply insulting to dismiss any arrangement or out of our control circumstances like XXXX. 

I would like the negative reporting to the credit bureau to be removed completely from my file.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Received by mail visa debit card with paperwork thanking me for opening this account. I did not open the account. I have contacted Credit Karma 3 times to close and investigate this use of my personal information. Three times they have referred me to their special team who would be getting back to me by email, which I provided and was verified by their agent. 2nd time I called back since I never received an email from them, I was told the case had been closed since my email was invalid. How can that be? They verified it. They had no response to this and started a new inquiry. Its been a day and a half, still have no email yet. I have been checking my email multiple times, along with my spam folder. This morning, I found on their website a location to send a complaint, XXXX hours ago, nothing yet. To me this is very poor customer service! 
I have filed a report with identity theft.gov and frozen my credit with the XXXX credit bureaus. Want to close this unauthorized account before it creates problems.
Product: Credit card

Bank  of America, o n an  XXXX  rewards master card, has charged me fees and interest even when there is a credit balance on the card. Additionally, it failed to refund ov er a thousand dollars of the credit balance and it is difficult to impossible to reach a representative  on the toll free number that appears on the billing statement.  XXXX  could not be reached by pushing  XXXX  or through other reasonable means, thus requiring the caller to have his or her time wasted by a lot of rerecorded garbage. When I finally reached someone, he told he I would have to call someone else about this problem. So, in addition to messing up accounts, charging the customer for their  XXXX  ups and then compounding their own mistakes at increasing expense to the customer, the  XXXX  number published on their statements reach no one who can actually do anything to correct their mistakes.
Product: Money transfer, virtual currency, or money service

I have been Coinbase customer for many years. I have been trading crypto currency through their site and have significant amount of money in the account, around {$100000.00}. 
Around XX/XX/2024 I had trouble logging in to my Coinbase account. 
To recover access I was taken through the steps to verify my identity. I provided all needed information and was told that my identity will have to be verified manually and I will get further instruction sin the email. 
A few days later received email with instructions how to recover any account. 
The instructions didn't work. 
I have called customer support and was asked to provide photos to verify my identity again. I did provide all needed information and the person on the phone confirmed that my identity was verified. I was told that my case has been escalated and I will receive instructions in the email. 
The instructions I got in the email few days later didn't resolve my issue. 
Since then I have repeatedly called customers support spending hours on the phone. Every time I get a new promise that my case has been escalated and I should patiently wait for an email with instructions. But when the email comes it contains the same instructions that didn't work previously. 
It's been a month since the problem happened and I still don't have access to my funds. Their customer support has been giving me run around and is not helpful at all.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to in adequate customer service and unfair practices which violates the consumer financial protection act CFPA, specifically Cash app failed to take timely ineffective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, 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: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXXXXXX