23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a customer of XXXX for a period of about 3 months at the XX/XX/XXXX/XX/XX/XXXX. I was subscribed for DSL internet service from them, but starting the first month I had severe latency and speed issues with the internet. I was told by XXXX that they were in the process of upgrading lines in my area and they credited my account in full for 3 months in a row in order to retain me as a customer. The service was almost completely unusable for my purposes, and after the third month I asked to close my account. XXXX complied with this and closed my account with a {$0.00} balance and I returned my equipment to them. Starting in XX/XX/XXXX I began receiving collection letters from EOS CCA for a purported debt that was originally held by XXXX totaling {$190.00}. I began getting harassing and threatening phone calls. When I tried to explain that this debt was not valid, I would be threatened for it to be reported to the credit bureaus. I gave them a verbal cease and desist and stated that if they did not stop calling me on my personal cell phone I would pursue harassment charges. I mailed a cease and desist letter and I also included a statement of no outstanding debt I obtained from XXXX. The calls and letters stopped. However, today, 4 years later, I have received another settlement notice from EOS CCA asking me to settle for {$110.00}. To date this still has not been reported to any credit bureaus, but I am not willing to deal with EOS CCA directly as I have already demonstrated that I do not owe any debt and that I never did. If this continues I will pursue litigation for harassment.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Wells Fargo regarding their refusal to allow me to open an account online, which has adversely affected my ability to manage my car loan account and resulted in late payments on my credit score. 

In XX/XX/year>, I entered into a car loan agreement with Wells Fargo to finance the purchase of a vehicle. As part of my banking preferences, I attempted to open an account with Wells Fargo online to facilitate payments and manage my loan account conveniently. However, despite multiple attempts and inquiries, Wells Fargo has consistently denied my requests to open an account through their online platform. I have been unable to view my loan balance, make payments, set reminders, or set up auto-pay since inception of the loan. Instead, I relied on receiving phone calls from a Wells Fargo representative to remind me to pay my loan each month after the due date. They were unable to add my card or account to recurring pay automatically because I had to have atleast two months on time payment and then call back to set up myself. I have XXXX  and can not remember on my own, nor can I even keep a calendar. 

As a result of Wells Fargos refusal to provide online account access, I have encountered significant challenges in making timely payments on my car loan. Without the ability to manage my account online, I am forced to rely on alternative, less efficient methods of payment, which have led to late payments and negative repercussions on my credit score. 

I believe Wells Fargos actions constitute a violation of consumer protection laws and represent unfair and deceptive practices. By denying me access to online account management, Wells Fargo has failed to fulfill their obligations as a financial institution and has caused undue harm to my financial well-being. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Wells Fargo to ensure compliance with consumer protection regulations. Additionally, I seek assistance in resolving the issue of online account access and obtaining compensation for any damages incurred as a result of Wells Fargos actions, and/or having the late payments that were unfairly reported removed from my credit history. They have made me unable to apply for a mortgage, get an apartment ( no co-signer available to me ), or get a credit card, further causing me to incur late fees and high dollar value security deposits. I WAS LATE BECAUSE I MOVED AND GOT A NEW PHONE NUMBER, CAUSING ME TO BE UNABLE TO RECIEVE LATE PAYMENT REMINDERS I AM ALSO UNABLE TO LOCATE A LOAN OR ACCOUNT NUMBER.
Product: Checking or savings account

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from Capital One bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. 

Capital One Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. 

I immediately called Capital One and was transferred to a rather combative CS Manager in Capital One 's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? 

He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that Capital One would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... Capital One you will provide me with the information about how the accounts were opened. 

I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now Capital One bank, within a 6-month period, approved fraudulent accounts being opened even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX breach... 

And might I add that Capital One just settled a {$190.00} million class action lawsuit for their data breach YET, they've CLEARLY NOT PUT MEASURES IN PLACE TO PREVENT FRAUDULENT ACCOUNTS BEING OPENED AT THEIR OWN BANK. 

I opt-out of Capital One data breach settlement and will pursue actions as deemed necessary against Capital One and XXXX. 

I will be filing separate complaint against XXXX and adding XXXX and XXXX to the complaint for notification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent XXXX  a letter about some inaccurate and unverified information they are reporting on my credit report requesting information about each of these items reporting as well on XX/XX/2021, i sent equifax a letter requesting information as well and has not heard from them as of XXXX.both letters went out USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) ; XXXX XXXX XXXX XXXX XXXX ( EQUIFAX )
Product: Mortgage

I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.
Product: Mortgage

While in the process of selling our home, my wife and I originated a loan process for another home in late XX/XX/XXXX. XXXX XXXX XXXX, at Fifth Third Bank located at XXXX XXXX XXXX, XXXX XXXX, Indiana XXXX, was the loan officer who assisted in this loan process. During this process she repeatedly told us that we could re-amortize the loan after our home was sold. During this process we were asked for a letter documenting our intent to use proceeds from the sale of our home towards the new loan. The mortgage process was closed on the purchased home on XX/XX/XXXX. Our old home sold and we closed on that sale on XX/XX/XXXX. By agreement, we placed {$100000.00} proceeds from that sale towards the Fifth Third loan and requested the re-amortization to lower our loan payment. After a period of weeks and after not hearing from Fifth Third Bank about the re-amortization, my wife contacted the Fifth Third Bank regional office in XXXX, Ohio. My wife was informed by that office that we had a VA loan and it could not be re-amortized. After hearing about this and contacting Ms. XXXX XXXX, she indicated that she had made a mistake and indicated that the loan could not be re-amortized. We asked that the {$100000.00} be returned and that request was denied. As a result of this, we had to re-finance a conventional loan. This refinancing cost us almost {$4000.00} in loan application and closing costs. We appealed for a refund of the application fee and Fifth Third Bank refunded {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX as XXXX XXXX. They placed an unauthorized inquiry on my Transunion credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

FIRST COLUMN The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 am an XXXX year old woman who has had money stolen by Nelson Cruz and Associates. The also stated they were the Law office of XXXX XXXX XXXX this came from the collection agent I received a call from them saying I may my personal property seized or I would be arrested if I did not pay a debt off with them. I remembered I had some old judgments and they seemed to have that information. I later find they got it from public record not TRUE collections. The fact was it was a line of credit defaulted on and I had worked with a Texas agency prior but was unable to pay. The following is an overview of what happened and it is a result of working with the firm that had placed the account with Nelson Cruz and Associated not knowing they were going to break the law. 
When I got the message from Nelson Cruz 's XXXX XXXX Office after I had paid the first lien, XXXX gave me the following as to the other Judgment saying that I had XXXX in all. Here they or not in the order that I received the information. 
1. Judgment was for XXXX ( this was the XXXX she told me about. This was cost me {$7500.00} And I have been making payment to XXXX of following I have been paying a monthly amount, however, I do not know at this time which of these XXXX I have been paying on. My plan to continue to pay on it as soon as I find out which XXXX it is. 
2. Judgment was from XXXX, XXXX. This XXXX they told me would be {$5000.00} 3. Judgment was from XXXX, XXXX This one they told me would be {$5000.00}. 
This is what they told me and the DEMANDED I deposit the money directly in their XXXX XXXX XXXX account # XXXX or I was in trouble. 
I made XXXX deposits of cashiers checks XXXX for {$7500.00} and {$10000.00}. 
I was promised a lien release and it never came. About one week after this I received a call from another collection company that had stated it had some accounts at XXXX they were doing a customer service call about accounts with them. I told the man everything and he told me that I did have a past due amount of over {$110000.00} but there were no liens or judgments. His company was shocked and I further told them that the business owner XXXX XXXX told me he was going to send me back some monies. This never happened. 
Nelson Cruz and Associates represented they were a law firm and scared me into making a payment that was FRAUD. XXXX XXXX and XXXX XXXX lied to me and when I called in they continue to ignore the problem. I have called my bank my bank told me I cant get the checks back. 
I think my next possibility is to call the Police or Sherriff. 

I have attached XXXX documents one is the bank receipt where I deposited the money to pay the FRAUD and another was a copy of what my account looked like when I received the customer service call. The agency first told me that they saw I paid {$2000.00} and they had no record and I then told them the whole story. They have been very helpful but said they may have to look into legal action as they did not know about this and the send a Cease letter to XXXX that they violated.
Product: Payday loan, title loan, or personal loan

In XX/XX/2016, I took out a {$13000.00} medical procedures loan with a 24 month 0 % interest rate if paid by direct withdraw on time. 20 months into the loan when I was bale to pay balance early, I was told the loan had an 18 month repay timeline ( my paper work says 24 ) and they had added {$12000.00} interest. 

CareCredit refuses to provide proof of any authorization to change agreed upon term, or provide a detailed ledger accounting of charges attached to my account.
Product: Checking or savings account

Urgent Complaint XXXX XXXX XXXX To : XXXX Wed XX/XX/2022 XXXX XXXX  Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX Citizens  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 



Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 



The merchant continued to charge my card, however, even after I had canceled the transaction with them. 



The disputed amount is {$4500.00} and the bank decided to let the merchant keep the money and the goods, as well. 



I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. 



I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal falsly claiming that the dispute was not filed timely, which is totally false. 




Thank you for your kind assistance and look forward to hearing from you. 



Respectfully, XXXX XXXX : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I received funds into my account in the amount of {$1500.00}. I attempted several times to transfer those funds to my bank account. I contacted PayPal and was told it would be on hold for 48 hours. On XX/XX/22 I again attempted to transfer my funds. I contacted PayPal again. I was told my funds would be on hold for 48 after the problem was resolved. I was informed by PayPal that there was a problem verifying my identity, but I had verified my identity several times with them and they disclosed much of my account information with me. Ive spent several hours on the phone with customer service representatives. At one point I was transferred to a supervisor after requesting to speak with a supervisor for a few hours. That supervisor hung up on me me. Totally unacceptable behavior. This morningXXXX, I attempted to transfer my funds to my bank account again. I was then informed that my funds were being placed on hold again so PayPal can verify my transfer is legitimate. I have done everything PayPal has requested of me to verify who I am, and yet they continue to be unwilling to resolve this issue. This seems to be an ongoing problem with PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX has violated my rights. 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 instruction.
Product: Mortgage

My husband had a loan with Seterus, and was in the middle of making trial payments to have the loan modified when he passed away XX/XX/XXXX. I wanted to assume the loan, and completed all paperwork to send to Seterus. There was an issue that took several months to resolve, as Seterus wanted me to have the home go through the Probate process before they would review the assumption application. I explained that I already owned the home since I was on the deed, and should n't have to pay the expenses of Probate since I own the home. This took Seterus several months to review, and finally send me a letter that they agree the property does not need to go through Probate - that i must have been " misinformed '' by someone at Seterus. Once this issue was resolved, i had to resubmit many of the documents since they were considered " out of date '' by Seterus. I did as they asked, and they sent a letter dated XX/XX/XXXX that they had received all the documents from me they needed and were reviewing for the assumption and I should receive an approval or denial in about 30 days. We are just a few days short of it being 60 days now. I have been calling each week since the 30 day point to see where we stand - and each person I speak to says there are no notes that reflect it 's even being worked on. This situation has been " escalated '' in Seterus system twice in XX/XX/XXXX - without any forward movement to the " escalation ''. I received a letter via XXXX on XX/XX/XXXX that Seterus was " responding to our request '' and had assigned XXXX XXXX with " Consumer and Government Affairs '' to our case. The letter said to reach him with any questions, and gave his number. I have since called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I left voicemails each time, and have not received one return phone call or message. I called the general customer service line on XX/XX/XXXX and spoke w XXXX XXXX who reviewed all notes, and agreed that the review did not appear to be moving forward, and got her supervisor XXXX XXXX involved. I spoke with XXXX and she said she would contact the " Assumptions Department Manager '' that day, and have them call me that day. I never heard from anyone ( XXXX or Assumptions Manager ) .I asked XXXX for her direct line and called her on it on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - and left voicemails each time stating I had never heard from the Assumptions Department Manager - and I still have not received one return phone call or message from XXXX . I called the general customer service line today, XX/XX/XXXX and was advised there are still no notes or evidence that the review is moving forward. I want this process completed so that I can move forward with my life, and I 'm concerned that Seterus is taking so long, they 'll tell me my paperwork is out of date again.