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

On XX/XX/year> I deposited {$48000.00} into a new Robinhood account. Over the course of the next week I made several other smaller deposits between {$1000.00} and {$3000.00} and began buying XXXX. On XX/XX/year> I bought {$45000.00} of XXXX coin for a total of XXXX coins. Around XX/XX/year> my account was restricted, which limited my account to Sell only. On XX/XX/year>, after many attempts to contact customer support, they finally called me. I provided identification information and addressed their concerns about activity on my account. I was assured that the restriction would be lifted very soon as my case was being expedited. The very next day ( XX/XX/year> ), I received a notice stating that my account was being closed. Again, I attempted to contact customer support many times and noted that I was now unable to request a callback. The option to request a call back through the website disappeared. The only way to contact them now is through chat messaging, which states someone will contact me within XXXX days. This morning ( XX/XX/year> ), a sell order was executed without my consent ; I did not place the order. All of my coins were sold and the balance is stuck in my XXXX account. I attempted to transfer my funds back to my bank, but received the message that my account is restricted and that transfers can not be made. I have {$57000.00} that I can not get back. I am XXXX old and retired ; this was most of my savings. please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX has violated the Fair Credit Reporting Act. 

Certified mail receipt number XXXX XXXX XXXX  XXXX
Product: Mortgage

I had been charged a late fee because ditech had raised their rates. 

However, they failed to deliver proper notification of the raised rates. I had never missed a payment in over 10 years. There was no mention of the raised rates ( as at the time I was paying via internet ). 

All dates below are XX/XX/XXXX. 

XX/XX/XXXX : I email ditech about the situation. 

XX/XX/XXXX : ditech confirms there is no late fee balance ( via email ) XX/XX/XXXX : ditech explains their payment structure where funds from fines are withheld and not used to fully pay off the late fee, thus occurring in another late fee charge ( I have this confirmed in writing by ditech ) XX/XX/XXXX : Another late fee is charged, despite having been assured no charges would be incurred. We paid an extra {$120.00} XX/XX/XXXX : ditech assures, in writing, that money will be applied to the next month 's statement XX/XX/XXXX : I email ditech because they failed to credit the additional money they received. 

XX/XX/XXXX : ditech responds explaining that the money was used to pay off a fine from XX/XX/XXXX ... explaining there are existing charges and fines that I was no notified of Summary : ditech charges fines that are unwarranted. then explains that when a fine is paid ... they use the money to partially pay off the fine, thus leaving an unpaid balance in tact. when they received more money, they instead bring up more fines that were never mentioned. 

ditech has consistently withheld information of my account and ( assuming that these charges are not also nonsense charges ) failed to fully explain how to pay off any existing fines. Also, their payment structure is designed so that fines are never paid in full, and instead held in " unapplied funds '' ( I have this in writing from ditech ). 

-- - I have attached the full email conversation with ditech ... I will checklist the relevant pages Page 4 : ditech confirms that they do not use the money received to fully pay off the bill Page 5 : ditech presents a chart confirming that they do not use the money received to fully pay off any fines or charges ... instead they withhold the money in " unapplied funds '' Page 7 : ditech is informed they received an extra {$120.00} and is asked to credit that amount to the next month 's bill Page 8 : ditech explains the payment will be held in " unapplied funds '' and if I so choose, they can set something up to have the funds applied on the next payment ( note : having extra funds applied to their next bill is not the default action, their default action is to hold the money in " unapplied funds '' ) Page 10 : ditech is made aware that the promised credit was not applied and of my plans to file a complaint with the CFPB Page 11 : ditech brings up 2 separate charges " principal '' and " corporate advance '' ... both charges were never mentioned in the 2 month conversation about fees and charges ... 1 charge apparently from XX/XX/XXXX was never mentioned in the past 3 years.
Product: Checking or savings account

I do mobile banking with Albert and all of my funds come from this bank account. I am filling out a government application with the United States Citizen and Immigration Services, where a certified bank statement is required. This document simply includes the amount of money deposited into the account in the past year, the date the account was opened, and the current balance of the account, and for it to be signed by an officer of the bank. All of this information is accessible to them. I have contacted Albert through the only way possible, which is their feature where you text them. After discussing the required document with them, they refused to provide this document and will only give me access to my regular monthly statements which is not accepted by the government agency. I explained the need and urgency for the document and how it affects humanitarian aid within my family. Albert will not provide a reason for being unable to provide the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX affirmXXXX XXXX XXXX XXXXe have reported late reports even after i paid.
Product: Debt collection

My recent credit report review shows accounts I suspect were added without my authorization. I request immediate removal and blocking of these fraudulent entries.
Product: Debt collection

A company named Mid-West Recovery Systems LLC/XXXX which ever name has put collection account on my credit reports that I have no knowledge of the debt. Never have been contacted at all regarding such debt. How they received my name is unclear. I was told the company is a scam they but paid or closed accounts trying to collect on old debit from pay-day loans. If I opened up something in 2012 it would have been paid by now. No-one has contacted me at all but puts something on my credit report three weeks ago without notifying me of such.
Product: Debt collection

I called CREDENCE RESOURCE MANAGEMENT and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. 

I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. 

Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX  did not. I am requesting that these companies provide proper documentation supporting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX  any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Product: Checking or savings account

On XXXX {$9400.00} worth of fraud was charged to our bank account. Bank of America alerted that there was suspicious activity on XX/XX/XXXX and put a halt on our card. After speaking with a bank representative on the phone and confirming the fraudulent charges, the bank created a claim and we were told that the claim would be reviewed and the money should be recovered. We had instances of fraud in the past and knew the process the bank used in the past so we knew what the next steps would be. 

We waited and heard nothing until XX/XX/XXXX when i received a letter in the mail dated XX/XX/XXXX. This letter seemed vague and unofficial. It explained that the claim was denied based on the information they received that stated all the authorizations were authorized. I received no proof, no paperwork .... no information other than that the claim was simply denied. 

The $ 9000+ charges are all XXXX XXXX. I am a XXXX XXXX XXXX mother married to an XXXX. We do not and have never used or purchased XXXX XXXX XXXX XXXX XXXX etc. You can clearly see from our banking history dated all the way back to XXXX that we do not purchase XXXX XXXX and would never buy {$9000.00} ( Our life 's savings ) worth of XXXX etc for our family of XXXX. 

We have tried to contact the bank but they have shut us down explaining the claim is now closed and they are not responsible. After calling multiple times they gave us a fax number to send an appeal. I sent XXXX appeals by fax on XX/XX/XXXX. I have heard nothing. 

I have not contacted the company that is responsible for the majority of these fraudulent charges because I didn't want to interfere with the bank handling the dispute. The company name is XXXX XXXX in XXXX CA. 

We are desperate to get our savings back especially during these financially difficult times. We were really shocked that our bank account was compromised and now they are not taking responsibility for the fraud. 

Please advise what can be done. 

Thank you.
Product: Mortgage

This is currently with a new loan servicer. I believe that this property was paid off in 2006 and for some reason another mortgage was issued and this is the current servicer of the loan. I am requesting that original documentation be presented associated with this loan and balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX 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 myself or XXXX 's customer service representative.
Product: Debt collection

Zion Debt Holdings claims to have purchased a debt from XXXX XXXX XXXX which I do not owe. 
I contracted with XXXX for security monitoring services for my business location in XX/XX/XXXX and continued this subscription service until my lease was terminated in XX/XX/XXXX. All terms, conditions and payments were made to XXXX, consistent with the security monitoring agreement. XXXX was notified of the business closure, and all monitoring service equipment physically removed with the business lease termination and closure in XX/XX/XXXX. 
Zion Debt Holdings began contacting me in XXXX claiming that I now owe them for a XXXX debt that they purchased and Zion 's fees. I have notified Zion on numerous occasions of their error. Zion made fraudulent debt collection statements to XXXX credit reporting service which I challenged and had removed. Zion continues to make harassing phone calls and threating text messages to this day
Product: Debt collection

XXXX XXXX contacted me in XX/XX/2020 about a payday loan on behalf of Spot Loan for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called XXXX XXXX and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called XXXX XXXX  to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
Product: Debt collection

I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection contractor, who reported the inaccurate amounts to the Dept of Ed.
Product: Credit card or prepaid card

My Pay Pal credit card was closed by Pay Pal. I called to inquire why my credit card was not working. A Pay Pal Rep. informed me on the phone my credit card account had been closed by Pay Pal. The Rep. stated the account was closed because I had not used my account for six months.

I explained to the Pay Pal Rep. I had not used my credit card because of the COVID-19 Pandemic. I also explained to him that there were recent laws established regarding consumer 's credit by the U.S. Government because of the COVID-19 Pandemic.

I also informed the Rep. Pay Pay never mailed me a letter stating why my account was closed.
Product: Checking or savings account

My account was overdrafted because initially one the claim the claim was already of, why is the company the was supposed to fix my XXXX XXXX, halfway fixed it, I was having this problem with my insurance company for XXXX XXXX, for a couple of claims, the in particular part that they needed to fix they never fix it, so I made a claim with my bank Wells Fargo, because it was still was not fixed, and it's still not fixed, the bank returned the money, after receiving a, state tax on the XXXX of this month, they said they reversed it back,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes Capital One, XXXX, and XXXX.
Product: Credit card

Refused purchase from XXXX when klarna would not split payments. XXXX XXXX was charged in full. I disputed charge as merchandise was returned. Received credit and two months later was rebilled by klarna and XXXX wasnt forthcoming
Product: Credit card or prepaid card

This complaint is associated with Wells Fargo Bank. I have had multiple accounts with Wells Fargo including a VISA credit card. Over time, I accumulated points by using that card. Recently I attempted to redeem rewards online without success. I went to a local Wells Fargo Bank to find out what was going on. I was told that Wells Fargo closed my VISA account. They maintained that I hadn't used the account for some time and that they sent a letter to me notifying me that the account would be closed. I have no knowledge of any notice and, according to my card, it is not set to expire until XX/XX/2018. The person at the branch was also told that since my account was cancelled, all of my accumulated points were cancelled, as well, even though my online account still states that the points are valid. The person at the branch attempted to get a copy of the letter purported to have been sent to me but was told that a copy of that letter was not available.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. This letter serves as my second attempt to request the correction of these inaccuracies. I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

EXCESSIVE and ABUSIVE FEES : We are customers of Bank of America and made a XXXX purchase yesterday at XXXX. We did n't have much of a balance in the account in the first place as it 's not our primary checking account. That said, we forgot to enter the transaction in our register last night, which caused our account to go into the negative XXXX. We would have gladly taken care of the issue this morning after checking our online accounts and when we did, realized that Bank of America charged us a {$35.00} NSF for a XXXX negative. I called and they refused to reverse the fee. Once I advised that I would be filing this complaint, I was escalated to a supervisor. I waiting an additional 20 minutes on-hold and was finally told they would not reverse the fee. I should also point out that Bank of America has excessive hold times when calling in, as they have failed to hire sufficient staff, to serve it 's customers.
Product: Debt collection

I have received text messages past XXXX pm, which is unreasonable. I have unfortunately deleted most grievances regarding phone calls but I have asked them to stop calling my parents, and they have promised they would stop, only to continue, as well as calling me upwards of 5 times a day. I have spoken to them regarding the debt and asked them kindly to email me and stop harassing me but they refuse
Product: Credit card or prepaid card

I have received numerous phone calls from capital one credit card company. I am being harassed all hours of the day and on the weekends. I DO NOT have a capital one credit card. I have repeatedly asked the company to take my number off the call list and that I do not have a capital one card. I have gotten ten calls in one day, some as late as XXXX XXXX. This is harassment.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.