23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.
Product: Credit card or prepaid card

On XX/XX/2022 Comenity Bank took the {$37.00} payment for my Victorias Secret credit card. I paid the bill on the XXXX through their app within the Victorias Secret XXXX app. My payment was accepted without a problem. Later in the week, I went to make a purchase because XXXX was having their semi-annual sale. I was unable to log into comenity bank and kept receiving an error message. Today, XX/XX/2022, I tried to contact customer service because they have an incorrect phone number in the system that I noticed when trying to change my password. I kept receiving an error message when attempting to log in. Customer service has a recording that states Due to unforeseen circumstances, our offices are closed. They had no problem taking my money and processing it days later but now no one is in the office to take calls. Their social media channels all have the same script of a planned update that is taking longer than expected. My concern is a security breech, especially seeing they do not have my correct information on file any longer, and not being able to access my account for almost a week. I am now unable to access my account at all. Unfortunately, this is not the first run in Ive had with this company. Back in XXXX of 2022 they started automatic payments from my bank account without my consent. It took days for the issue to be resolved.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

My XXXX Credit Repot has a Amcol Systems Inc. reporting a debt from XXXX XXXX XXXX for a debt of $ XXXX. I had a case in litigation in Nevada Appeal No. XXXX Claim #  XXXX which just settled and I was waiting on a settlement check from XXXX XXXX. I was just able to cash the check and had planned on paying the bill owed in the case until I saw that Amcol Systems had lowered my credit score by the information they place on my credit report earlier. I do not believe they should have been able to place anything negative on my credit report while the case was in litigation. Until they had contacted me and understood the case was in litigation. I believe they violated the Consumer Protection Act. with their reckless acts and have put adverse affects on my credit report.
Product: Payday loan

Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air.
Product: Vehicle loan or lease

On XX/XX/year> I paid off my loan with Aqua Finance. The payoff I paid was over paid by {$180.00}. I had requested a refund be sent to me due to over payment. I have called and sent numerous emails asking for the refund and I have still not received my refund!! When you call you are placed on hold for over an hour just for the rep to tell you that they will escalate this issue. It has now been 4 months with no overpayment refund received.
Product: Mortgage

I sent two mortgage payments instead of one by mistake. On XX/XX/2018 I called Select Portfoilio Servicing and requested the over-payment of {$2700.00} be returned immediately. The Rep for SPS said he would start the return process and I would have the money back in my account in 3-5 days. I said I needed the money sooner than that and he stated that was the best he could do. On XX/XX/2018 I called SPS Customer Service and ask why my money was not returned? The Rep stated they are waiting for me to send them my bank statement. I said there was nothing said to me about sending a statement or paperwork of any kind. I said I wanted to speak with a Supervisor or Manager and the Rep said theres no reason to speak with them as they will tell me the same thing. I had to demand to speak with a Manager. A supervisor by the name of XXXX XXXX came to the phone and said I must send them a copy of my statement and she would stay on the phone while I send her my bank statement. I sent her my bank statement and she confirmed she recieved it. She said she would handle the return of my money immediately. On XX/XX/2018 I called Customer Service again and ask to speak with Ms XXXX. I was told she was at lunch and a message was sent to her, to return my phone call that day. Its XX/XX/2018 and I STILL DO NOT HAVE MY MONEY! I called Customer Service again and ask to speak with Ms XXXX and I was told she was not available. It is very obvious this business is avoiding me by not returning my phone calls or my money as promised. I have now incurred several NSF fees from my bank and unable to afford the XXXX cost of medicine I need to purchase for my Son. This company and its employees have not only avoided my phone calls and request but also deliberately misled me with the handling of my case. ( I was actually told they need to contact the Federal Reserve for the return of my money )
Product: Debt collection

XXXX Credit Card sold tobWindy City Capital Management, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Il XXXX. I received letter ant owed. I called and set payments thru pay bills from my checking acct. Paid a small amt as on all my medical/credit card bills. Windy city sold acct to XXXX XXXX XXXX who left threatening harrasing msg on my phone. I called them. They offered high settlements. We then agreed on XXXX a mth but wanted me to give them my credit card or bank #. Told XXXX and XXXX XXXX I would not. They would not give me their address/info. Gave a XXXXXXXX XXXX XXXX,, XXXX, IL XXXX. I told them I don't mail money to questionable comp who didn't send me validation notice, what I owe and info abt their company. Said I would see them in court. XXXX XXXX angry. Called XXXX with Windy City Capital Mgmt asked why I was being harassed after making a payment. She became very rude. Asked why she sent my acct to scam comp making threatening calls. She hung up.
Product: Checking or savings account

Yes PayPal refuses to let me withdraw my money from my closed account I have documentation stating that I can withdraw it but other documents showing they stopped it
Product: Student loan

This was several months ago, i have been very busy. I got a letter in the mail for a loan i apparently took in 2012. I did do financial aid aka fasfa. That was token care of. Now i have this letter saying i owe XXXX XXXX dollars, and its a letter from an collection agency. I contacted the agency and they say its for a loan in XXXX of 2012, but there were 2 loans and for a school called XXXX XXXX XXXX XXXX and XXXX   located in XXXX, florida. Problem is i live in XXXX arizona, and never have lived any where else. So some one used my ssn to create a loan for this school. I tried talking to the agency but they were pretty much not caring and really didnt want to help, they told me to go to this website and wouldnt tell me how to navigate from there. They were getting frustrated. As i have had 2 tax refunds token from me, totaling about XXXX XXXX This has been a big hassle.
Product: Checking or savings account

Multiple Charges For Services Such As XXXX Would Be Charged To My Account They Would Refund The Money And Take It Back. Services Was free Long As I Had Direct Deposit And I Still Would Access A Bank Fee So I Closed The Account.
Product: Checking or savings account

On XX/XX/year>, Wells Fargo let some body steel {$3400.00} from two of my checking accounts I put in a complaint on XXXX XXXX with you guys and Wells Fargo responded two days later said they will look at the issue but I believe they didnt do anything And I got the exact same response that I got the first time that was our fault the bank refuses to refund the money that was stolen
Product: Credit card or prepaid card

On XX/XX/23, while traveling in Alaska on Vacation, Citibank began declining my purchase transactions. First amount was {$460.00} at XXXX XXXX in XXXX, AK. They messaged me to call them, which I did. I was angry because I provided them a travel notification. We finally got through the verification process, and I was told my card would be unfrozen. Tried the transaction again and it was declined. I tried another card that also would not work and eventually had to pay cash. I called Citibank back and escalated to a supervisor who refused to release my card. I asked for her manager and after a hold was told one would call me back. No such call occurred. Citibank left me stranded in Alaska as far as I am concerned. Come to find out the first woman, without my authorization, activated my new Citibank card. I have no idea where this card is since I was traveling on vacation, and now that I am home still do not have this card. Unacceptable that this happened and they were unable or unwilling to fix the issue. This was the second vacation in row they have done this to me. There will not be a third time. I am a XXXX year customer who will be closing every single credit account Citibank services . I have a great Credit Score and any Bank will take me in XXXX seconds. This is going to impact my credit reports but I will not allow this to continue.
Product: Mortgage

In XX/XX/2019 my mortgage company, Mr. Cooper, did an escrow review and incorrectly doubled my taxes. My tax bill from XXXX County, MD is yearly and Mr. Cooper is trying to claim it is biannual. They told me that I had to prove they were wrong, which I did. I had to contact the county tax department for all of the correct information. They even sent it themselves to Mr. Cooper, but Mr. Cooper refuses to respond to me. They just send an email saying it was forwarded to escrow and escrow does nothing but continue to overcharge me month after month. They now have taken {$3000.00} from me and refuse to correct their mistake.
Product: Money transfer, virtual currency, or money service

Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX We agreed to purchase a wall furnace from Terrys Heating and XXXX, XXXX XXXX, Idaho. They stated we could have a contract for 60 months and the lender would be Wells Fargo Bank. We stated we did not like Wells Fargo, but they stated they were the only bank setup to carry their contracts. We filled out a credit app and was approved for the contract in the amount of {$3200.00} which included a {$1000.00} down payment. The contract states a 9.9 % interest rate with XXXX equal payments {$61.00}. We were sent a credit card from Wells Fargo that XXXX XXXX Projects, Terrys Heating and AC which they stated just ignore. We began payments of {$61.00} in XXXX XXXX and have made XXXX payments. Wells Fargo Financial XXXX. XXXX XXXX, XXXX Texas XXXX accepted the first XXXX payments without a problem. However, in XXXX they began charging an extra fee. A late fee of {$27.00} and interest of {$26.00}. The check was mailed the XXXX of the month and not posted until after the due date of the XXXX. They asked for a payment of {$88.00}. We sent our {$61.00} payment as due by contract. In XXXX we were billed another late fee of {$38.00} and interest of {$26.00} and a payment of {$120.00}. Our check was posted on the XXXX After calling them there was no resolution. They stated they had no control over the posting date or the mail. They refused to remove the fees. It is apparent they have converted the contract into a credit card account which we did not agree to. Our balance right now is {$3100.00} nearly the same amount we began with. These fees were posted fraudulently and not agreed to. It appears they plan on adding fees every month and ignoring our original contract. We are angry that the account is now a credit card account which we did not agree to and at the current rate it will clearly not payoff in 60 months. We went to our bank today and got a personal loan and paid off the balance of {$3100.00}. We have a higher interest rate and a higher payment but atleast we know we are secure in the amount and the timely payoff. We have copies of the contract, the card and the statements Wells Fargo has sent. We will send them to you when requested. We do not want private information posted on this site.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on XXXX  and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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

The fo

llowing information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment. Immediate delete this inaccurate account from my credit report XXXX  is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. Immediate delete this i
naccurate account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a pending balance, it was still pending on the XXXX. when my statement cut. On XXXX XXXX, XXXX they reported this balance when I made a payment on the XXXX. in full. I called, it was corrected and reported as 00.00 A week later it was reported again during a statement cycle of XXXX I submitted a correction with XXXX XXXX  that it should be 00.00  On XXXX XXXX, XXXX it was submitted as XXXX. This is during a cycle, no statements were cut between the XXXX and the XXXX. They keep reporting all my balances before due date. This has in turn brought my perfect over XXXX credit score down by showing an open balance on a card. I pay my cards in full each month before due date, all of my cards. This is the 3rd time I had to call them. I have only had the card since XX/XX/XXXX. How is this legal, ethical or lawful? It is not! You can not report a balance before the due date, let alone while purchases are pending. I want this corrected and I want it corrected so it never happens again. How many others who don't watch their credit like I do has this happened to? My next step is a class action lawsuit. They have gave me anxiety of what my report will look like. This is not legal! Verizon credit card, Synchrony Bank is the holder.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Florida XXXX XXXX XX/XX/year> Experian Information Services XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing this letter to dispute an inquiry on my Experian Credit Report made by XXXX XXXXXXXX. On reviewing my credit report, I noticed that there was a hard inquiry made by XXXX XXXX on XX/XX/year>. I am not in possession of any new XXXX XXXXXXXX cards and I have not applied for one, nor have I authorized anyone on my behalf to do so. 
The presence of this inquiry negatively impacts my credit score and it is crucial to ascertain how it occurred without my knowledge or consent. I am deeply concerned about my identity security and the possibility of unauthorized activity on my credit report. 
In accordance with the Fair Credit Reporting Act, I am reaching out to request an expedient removal of this erroneous inquiry from my report. Additionally, I request a complete investigation into this matter, and kindly ask that you provide me with any documents associated with this inquiry. 
I have attached copies of my credit report indicating the hard inquiry, and other pertinent documents to support my claim. I am hopeful that this matter will be rectified as soon as possible so as to maintain the integrity of my credit information and score. 
Upon completion of the dispute investigation, kindly send me an updated copy of my Experian Credit Report so that I may verify the removal of the inquiry, along with written confirmation that the inaccurate information has been corrected. 
Thank you for your prompt attention to this matter. Should you require any further information, please feel free to contact me at via email at XXXX XXXX faithfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email that I have opened a Chime account, which is false. I am also receiving text messages, so somehow they also got my cellphone number. Customer service number sends me in circles as I do not have an account and the associated Chime account information is necessary to speak to a person. At this point, I have left the account as it stands. After reading numerous comments online, Chime will not close the account, anyway. Something needs to be done about these " financial '' institutions such as XXXX and Chime. Get the FBI involved!!