23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed a contract with XXXX XXXX XXXX XXXX. The contract was dated XXXX XX/XX/XXXX. It provided for a one-year term expiring on XXXX XX/XX/XXXX. The contract provided for auto-renewal on a month-to-month basis after XX/XX/XXXX. During the initial term, I paid the contractual amount each month. After the initial term ended, I allowed the contract to auto-renew monthly for four months, during which time I paid my membership fees on time. 

In XX/XX/XXXX, I provided written notice of termination of the contract pursuant to the Membership Agreement. On XXXX XX/XX/XXXX, I paid the final installment of the membership dues. Subsequently, I canceled the credit card that was previously used to auto-pay the account. 

Without my knowledge, XXXX continued attempting to bill me for my membership despite the expiration of my one-year term and my written cancellation of the monthly contract. They sent me to collections for {$150.00} despite a monthly payment of {$19.00}. 

Aldous and Associates is attempting to collect the debt on their behalf. No one has ever sent me any documentation to support the debt. I never received communication from anyone about it. The only reason I know about it is from my XXXX  report. On XX/XX/XXXX, I sent them a letter asking to see their documentation supporting the legitimacy of the debt. I also offered to pay {$100.00} in exchange for deleting the information from my credit report and discontinuing any attempt to collect it. 

Aldous and Associates refused to produce documentation of the alleged debt when I requested it of them. They declined my settlement offer, saying they would only accept the full amount, and would only report to XXXX  that the debt was " paid in full '' if I paid them. Neither XXXX nor Aldous has obtained the judgment of any court compelling me to pay this amount. I do not owe it.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie 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. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( 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 the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate. 

XXXXXXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal limited my account 2 years ago, associated with the email XXXX. I had an outstanding balance on the account amounting to {$980.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. EXPERIAN AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX/XXXX  account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX XXXX NY Child support ENFC account # XXXX, and XXXX XXXX account # NXXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Property that I purchased with Nexta XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nexta Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States of America XXXX ( XXXX ) XXXX State Licensed Financial Institution : XXXX I recently purchased a home and was referred to XXXX XXXX XXXX XXXX XXXX XXXX to assist on my home loan. The communication has been an absolute nightmare. There has been multiple email chains and text messages about gathering information for preparation. I was advised to have all my debt with along with account numbers and total amounts that needed to be paid off at the time of the closing. Not only was this sent to them XXXX  times, but they also had phone numbers to obtain authorizations to confirm debts and what was paid to the creditors. When I thought this was completed, at the time of the closing I was to receive {$3000.00} back. However, it was brought at the closing table that I need to '' add money to my account '' in order to close. Now I would like to mention. XXXX creditor to be paid due to the debt to income ratio was my XXXX XXXX  of over XXXX XXXX of which they totally disguarded. The XXXX XXXX is now trying to contact the loan office to review money since it is not " adding up '' and when she called XXXX XXXX XXXX about this he hung up on her. He received his XXXX XXXX in commission and there is XXXX XXXX in escrow that can't be released since he will not " check his numbers since there is noting accurate and money has been disbursed wrongfully. I am asking for you help and for you to know that this loan officer and his company has lied to me, doesn't pay attention to the customer and fraudulently maneuvers numbers to match what he feels fit and never gives a print out on what he tells you. 
His name is the following. Loan XXXX XXXX name is NEXTA XXXX XXXX Mortgage Loan Originator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX Thank you for your attention in this matter. This officer should not be licensed to manage financial affairs for the public. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I monitored my account on the Bank of America mobile app and set up 3 electronic withdrawals. I waited till the withdrawals came out of my account and saw that I had a remaining balance of {$1.00}. The bank is telling me that the amount on the app is not accurate that my balance was lower and so I was charged a return fee twice for a {$100.00} payment. They told me after serval time asking if the mobile app is just flat out wrong that in order to see an accurate balance of my account I would have to log in on a laptop or desktop computer then click on a special screen that will show me an accurate balance. I asked if I could be refunded because the error was not on me and that I was misinformed by their app which is still showing the same transactions and balance that I had the day this all happened and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a inquiry on my XXXX credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a XXXX agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... XXXX  IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open -end consumer credit plan as late for any purpose
Product: Mortgage

I am writing you to file another complaint against US Bank. I have been trying to get Loss Mitigation assistance since I was layoff back in XX/XX/XXXX. I have faxed, mailed and emailed 7 packages, the only package that had almost successfully made it to underwriting department was the 7th package. However, other the last several weeks I had personally spoken with XXXX XXXX Relationship Manager, XXXX XXXX Supervisor Manager is Loss Mitigation Department, XXXX, XXXX, XXXX and XXXX all in the same department as well. On XX/XX/XXXX I spoke with XXXX, and she confirm that by Loss Mitigation loan file was with XXXX and that something was off with this underwriter because he had a complete package to approved but hasnt review my loan since XX/XX/XXXX which didnt make any sense to either of us. XXXX was unsuccessful in reaching this underwriter or her current manager they were both showing out of the office on Messager. So XXXX, left an email for both underwriter and her manager in Loss Mitigation Department to follow up with her tonight before she left. XXXX confirms that underwriter had all required documents from me ( borrower ) after 2 1/2 hours verifying documentation and with no response from anyone in her Loss Mitigation department, we finish our conversation and hang up. I was to follow up the next day, so I did today XX/XX/XXXX and thats when things went from bad to worst with US Bank all over again. I spoke with XXXX ( hope I am spelling her name correctly ) : ( XXXX was relationship manager per my conversation with her tonight. XXXX gave me the horrible news that my document Homeowner insurance policy was missing so the underwriter closed out my request for assistance, however homeowner insurance policy was received per email confirmation with 3 US Bank employees on XXXX & XXXX of XXXX, and with XXXX on XX/XX/XXXX that afternoon call I mention earlier in my letter above. It seems that US Bank is intentionally deleting documents uploaded from borrowers like me, it can not be coincidence that all my prior loan packages ( 7 packages in total ) so how ended up missing from my loan file, US Bank Loss Mitigation department is obviously deleting loan files from borrowers for assistance. I demand that Federal Office of the comptroller of the Currency review this complaint effectively and take the appropriate action against US Bank for corruption. US Bank provides terrible customer service for their borrowers this includes me. Any help that you can provide for me with regards to my HELOC # XXXX, need loss mitigation options for my HELOC unable to continue making payment, no savings left and need help. I have been layoff and unemployment end this year XXXX. I have no late payments at this time with my US HELOC account. I also, have supporting documentation that provides proof that US Bank is deleting documentation and emails from their customers. 
Sincerely XXXX XXXX
Product: Bank account or service

I received a voicemail with a time stamp of XXXX XXXX XXXX, XXXX from Wells Fargo agent requesting I contact her ( XXXX ) at phone number. I did not notice the voicemail until approximately XXXX that evening. The message stated an unrecognizable phone number. After listening to the message a few times, I attempted to log onto my Wells Fargo account website using my XXXX that I use primarily for online activity. I was locked out, so I decided to go to our local WF branch at XXXX XXXX, NC the next morning, Friday, XXXX XXXX ( beginning of XXXX Weekend ). 
I talked with a Customer Service Representative there and explained the voicemail and my problem logging in. I do not remember her name. ( The branch manager, XXXX XXXX should provide that info ). She assisted me in changing my password and I acknowledged that everything looked well by observing my checking and credit card accounts. 
I typically manage my credit card and checking account transfers online as well as personal savings accounts. I routinely use the online option to transfer funds from checking and savings accounts to payoff credit cards. The money market account in question was never accessed routinely. 
The money market in question was started as a safe storage place for money realized from the sale of our primary home in XXXX, NC the previous XXXX XXXX. I had never set up this account for wire transfer and rarely accessed this account between XXXX XXXX thru XXXX XXXX. 
When looking through my accounts on XXXX XXXX in order to accumulate funds to buy property to build a home, I discovered an unauthorized wire transfer had occurred XXXX XXXX for {$9700.00} as well as a {$30.00} wire transfer fee. The transfer was directed to XXXX XXXX XXXX in the name of 'XXXX '. I do not know this individual and have no idea how he or she accessed my account. 
I immediately proceeded to the XXXX XXXX branch and was assisted by XXXX XXXX XXXX to initiate a complaint and start the investigation. 
Since i did not know and report the unauthorized transfer in the allotted time of 30 days, and Wells Fargo insists this was an authorized transfer of my money to an unknown recipient, WF has denied my complaint and closed the case. 
FYI ... .I have been a good customer of Wells Fargo and previously Wachovia Bank since XXXX and have never experienced a problem similar to this. 
My Question ... ... .I can only suppose that the phone call from XXXX XXXX XXXX at XXXX was to verifiy that it was actually I initiating the transfer. Why, when I did not return her call did the transfer go forward without my consent? 
As well, I was informed that the transfer was completed using an Advanced Access Code which was sent to my phone. I have no knowledge of such a call or message. I have received a history report from my Carrier , XXXX XXXX XXXX, and no record of such call exists on that date. 
Still, Wells Fargo Bank , NA considers the case closed and is not pursuing the thief or thieving enterprise who STOLE my money!!!
Product: Checking or savings account

I'm calling your attention to an error/bug in your checking account application process, possibly in other products too. 

I already had a Capital One login from a few years ago. 

During the application, I selected I already have a login. I logged in successfully and continued with the application. 

As shown in the attachment, which is the screen right before submitting the application, my address was correctly informed during application. 

However, once the account was opened, the system ignored all the information submitted and used the old address. All paperwork and debit card were sent to the old address, not the address informed during application ( attachment ). 

This is a error/bug in your application process. 

I tried to inform your customer service, but as unfortunately it is the case at most places nowadays, they are not focused on getting better, but simply asked me to call to have the card resent to me. They did not understand the problem, they focused on resending the card. I'm opening this complaint because it is the only way someone will actually do something about this issue, and not just request a new card to be sent. 

You have an error in your account opening process!
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

On XX/XX/2024 I called Ability Recovery Services LLC. XXXX answered the phone very pleasant at first. I informed him what I was trying to do with a payment plan and he stated that I need to ask family or friends for some money and to call back with a reasonable payment plan and just hung up the phone. so I called back again and the phone got disconnected called back a third time and asked for a supervisor. They stated that they still had to connect me to XXXX but just ask for a supervisor. When I did that all XXXX broke out. He stated I was wasting his time and what part do I not understand. I stated this is being recorded right? and all I want to do is talk with a supervisor. He then hangs up the phone.
Product: Credit card

comenity bank provide a store credit card ( XXXX ) statement was paid thru XXXX XXXX XXXX online banking they received it and they ddenied receiving, so i paid again duplicate payment, whren they realized they refunded the 2nd payment in full but next month they charge me # XXXX late fee????, it was paid on XX/XX/year> online banking received on the XXXX then they add {$6.00} additional for late {$3.00} means 200 % interest, that is rip off and i can not get an excecuse for that. the {$9.00} suppose tobe received by XX/XX/year>, i was informed if i pay today which is XX/XX/year> the balance of {$6.00} then will add another {$3.00} for XXXX statement, i choose to pay in advance {$9.00} to zero my account, this bank need to be audited and checked for misconduct and corruption, you can not leave people suffering with those corrupted financial facilities, thank you for your cooperation
Product: Money transfer, virtual currency, or money service

This was a cryptocurrency transaction. Coinbase has a major security breach that caused the loss of {$5300.00}. On XX/XX/22 I was trying to move some XXXX  cryptocurrency from my Coinbase XXXX to my Coinbase account ( with an eye towards cashing out ). I sent a {$25.00} test transaction to confirm that the XXXX was moving correctly from my Coinbase XXXX to my Coinbase account. That transaction was successful. Then I received a message INSIDE THE COINBASE WALLET APP asking me if i wanted to send additional funds to the same address that I had just sent funds. I clicked on the message thinking that this was simply Coinbase XXXX app providing a convenient method to repeat a transaction. Big Mistake. That message RECEIVED BY ME INSIDE THE COINBASE WALLET APP was either sent by a hacker who breached Coinbase security or a Coinbase employee trying to steal my money. So the {$5300.00} of XXXX cryptocurrency was stolen by someone who hacked the app from the inside. 

Not only did the hacker know that I had just sent a {$25.00} test transaction, but also knew that the COINBASE WALLET APP had basically no security. And infiltrated the app to commit this fraud. I contacted COINBASE 's customer service line within 10 minutes ( after I realized that there was a big problem ). So they knew almost immediately that there was a breach in their system. I have corresponded with their support team numerous times. Frankly, I am pretty sure that none of the customer service people even fully read the complaint. I have simply received legalist responses that never addressed the crux of the problem -- THAT COINBASE HAS A MAJOR SECURITY BREACH. I can forward the correspondence if you need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax on numerous occasions in regards to fraudulent/unauthorized inquiries and in response I was told a fraud report would need to be provided. The report has since been provided, I also confirmed that it was received via telephone by a Equifax customer representative. I just received a letter in the mail today saying that they would not be removed due to " XXXX XXXX ''! This is absurd! Ive submitted every thing I need to submit I've also added the fraud alert as requested by them and these inquiries need to be removed expeditiously! I feel like this credit bureau needs to be investigated! They aren't responding to disputes in a timely matter also! XXXX Inquiries listed below needs to be removed. 


*XXXX  XXXX - XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX/XXXX- XX/XX/XXXX *XXXX XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX * XXXX XXXX- XX/XX/XXXX *XXXX/XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX XXXX- XX/XX/XXXX *XXXX  XXXX - XXXX