23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At sometime in early XXXX, I received a call from a group called Wakefield and Associates claiming that I owed them money. Confused, I requested a letter be sent to me validating the debts. On XX/XX/XXXX I received XXXX documents from Wakefield and Associates claiming I owed money for XXXX procedures I don't remember receiving on XX/XX/XXXX for XXXX XXXX 

The procedures are a XXXX Exam ( {$990.00} ), a XXXX XXXX XXXX XXXX ( {$180.00} ) and an XXXX XXXX ( {$240.00} ). The letters were dated XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the XXXX documents below along with the letter that accompanied them. 

I immediately called XXXX, and despite providing all the information presented in these documents, they could not find any outstanding bill for me. I also have no record of these bills ever being sent to me originally, either physically or electronically. Fearing that this debt may be fraudulent or a mistake, I sent a letter to Wakefield, in which I asked for XXXX pieces of information I believe I am owed under the Fair Debt Collection Practices Act. I have enclosed a copy of that letter below, but the relevant information I have asked for was : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; including documentation that verifies that I owe the debt, such as a copy of the original contract. 
4. proof that you are licensed to collect debts in New Jersey ; including the date of the license, license number, and the state agency that issued the license as well. ( The original letter did not contain New Jersey information ) 5. proof of the last payment made on the account in the form of a copy of the last billing statement sent by the original creditor. 

Several days ago, on XX/XX/XXXX, I opened a letter from Wakefield " responding '' to my request for information. The only information they provided was the original creditor. They gave no proof of items XXXX, XXXX or XXXX. This letter also references a letter sent to me on XX/XX/XXXX, but I have not received any other communication from Wakefield. 

Furthermore, in this time I have once again followed up with the billing departments for XXXX XXXX. They have confirmed on several occasions that they have no record of any outstanding payment that has been sent to collections that correlates with my name, the date, the provider, or the account numbers Wakefield provides. I have thus been completely unable to find even a single scrap of evidence confirming that I owe what Wakefield says I owe, and their refusal to provide me with any additional evidence has me feeling uneasy about the legitimacy of this debt. As such I formally request the CFPB get involved as I feel like I have taken all the steps I am capable of at this time. I also feel the need to mention that I still have a mark against my credit for this debt, despite the ( in my opinion ) complete lack of evidence of its legitimacy.
Product: Mortgage

On XX/XX/XXXX, I scheduled an appointment with XXXX XXXX at Citizens Bank to discuss a loan options. Please see Citizens Bank Appt attachment. I disclosed to XXXX that I own a property with a market value of $ XXXX and principal loan balance of {$110000.00}. XXXX suggestion I apply for a Home Equity Line Credit ( HELOC ) .He stated I only need a credit score of XXXX to be approved. 

On XX/XX/XXXX, I was verbally told by XXXX my loan was denied because my credit score was only XXXX. Please see Verbally told loan was denied which documents the date/time was called. I disputed a credit score of XXXX was accurate for me and I requested a copy of the credit score report or other report Citizens Bank use to make the decisions regarding my loan application. XXXX stated the Home Equity Lending Department would provide me with the information I requested. 

On XX/XX/XXXX, I received a Statement of Credit Denial, Termination or Change letter ( hereinafter denial letter ) which gives the primary reason my loan application was denied was Collection action or judgement, not credit score! The credit score was noted on the second page " we also obtain your credit score ''. Please note, Citizens Bank has still not provided me with a copy the credit score report or any other report they used to make a negative decision regarding my loan application. 

On XX/XX/XXXX, I called the XXXX XXXX XXXX department at XXXX, the telephone number listed on the denial letter to inquire and dispute the information on the denial letter. No one was available to take my call, so I left my full name, loan # and telephone number for a representative to return my call. No one has returned my call, emailed me or mailed any correspondence to me regarding this matter. 

On XX/XX/XXXX, I returned to Citizens Bank to meet XXXX XXXX and let him know that no one from Citizens Bank, Home Equity Lending has contacted me and I again requested a copy of the credit score and credit report use regarding my loan application. Please see Citizens Bank Follow-up Meeting Attachment.

It appears Citizens Bank has unfair and questionable lending practices for the following reasons : 1. I have 2.60 times equity to value in my home 2. A HELOC is secured by the property. My home 's current market value is at least $ XXXX. My principal balance is {$110000.00}. There is plenty of equity to secure the loan. 
XXXX, Citizens Bank claims my credit score is XXXX, but refuses to send me a copy of that credit score report and credit report. Per my file records, all my credit scores at all three credit bureaus are above XXXX. Please see attached credit scores for XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX  XXXX Bankruptcy in XX/XX/2022. 

I was a co-signer for a loan with Tower Loan, for my wife. 

However, my wife did not file for XXXX. XXXX bankruptcy as well. 

In my filing, since I am not the primary on the loan with the company, my attorney had me removed from the debt to Tower Loan, no longer making me responsible. 

I have been paying on my Bankruptcy since XX/XX/2022, and Tower Loan is reporting to Credit Bureaus that I am XXXX late on the account. 

If Tower loan did not submit a claim to the Bankruptcy Trustee that is overseeing my bankruptcy, then I should not be held liable for any late charges or payments on my credit report. 

They are the only company I am having issues with on my credit report.
Product: Checking or savings account

I used the ATM machine at Navy Federal in XXXX, Ca at XXXX XXXX XXXX to withdraw {$200.00} to deposit it into another account on XX/XX/XXXX between approximately XXXX before I could complete the deposit the ATM machine canceled the transaction and only gave me back {$60.00} and kept the remaining {$140.00} dollars. I went directly into the bank to speak with someone and did a ATM claim. However I was told as a non member there is nothing they could do. I was told there is no way to return my money even though it showed up on the bank audit. I also try reaching out to my back but the transaction is not showing up on their end. I have talked to many people with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or opened without my permission : XXXX/XXXX  XXXX XXXX opened : XX/XX/2018 XXXX : {$240.00}.
Product: Checking or savings account

somoene deposited a fake check it went thru. they spent the money explained to XXXX it was not me and had no knowledge they opened a claim never did anything about it froze my account and took my direct deposit money and would not give me my paycheck back. they have been giving me problems since XXXX and i recently been fed up because i had funds in that account and i can no longer access them because it went to the negative balance. i told them multiple times i had no access to my debit card and they never resent me one on my new address.
Product: Debt collection

I have never done business with XXXX XXXX XXXX XXXX. I do not have a signed contract not any contract with XXXX XXXX XXXX XXXX, I have the right to demand a copy of any contract between XXXX XXXX XXXX and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX XXXX Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I received an email today from Synchrony Bank saying they are going to charge a {$1.00} fee each month for paper statements starting in XXXXXXXX XXXX. This is my Crate & Barrel credit card, but it can be used anywhere XXXX is accepted. 

I explained I need to get paper statements, as its how I keep track of my bills and always pay on time. I pay by check that I mail in each month. I wanted the fees waived, but they refused to accommodate my request. I have an excellent credit rating and am a very good customer. As a show of good faith and a goodwill gesture, they need to honor my request and I cant believe there isnt a law against charging consumers for paper statements if thats my preference and how I choose to pay my bills.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX/XXXX  XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX Balance : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled and accessed my Equifax, XXXX, and XXXX XXXX credit report on XX/XX/XXXX. The XXXX XXXX XXXX credit inquiry is a unauthorized and fraudulent credit inquiry. The credit inquiry is not my credit inquiry. I did not apply for any credit with XXXX XXXX XXXX on XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I cancelled our credit report freeze on Monday, XX/XX/XXXX with Equifax.

As of close of business last night, Thursday XX/XX/XXXX our credit reports remain locked and frozen. XXXX XXXX XXXX has been trying for 3 days to pull our scores and only get a locked message. 

When we call Equifax Credit Freeze Dept at XXXX we get sent to someone with a barely understandable accent who only repeats that our credit is unlocked, and there is no one else to talk to. 

When we ask for an email to prove they have unlocked our credit scores, so that XXXX XXXX XXXX can contact their Business Dept with proof they will not provide it. 

XXXX XXXX XXXX has been told by Equifax Business Dept that they can no nothing unless there is proof from US the consumer that EQUIFAX has unlocked our credit score! And Equifax will only MAIL in 7-10 days a statement saying it has been unlocked.

This is completely obnoxious, and offensive that they block and then refuse to assist without proof that THEY won't provide in a timely manner. 

We stand to lose out on purchasing a business property because of this delay and terrible lack of service. 

Doesn't ANYONE oversee Equifax? 

There is no PROOF of their complete lack of service since they refuse to give any without a 7-10 day mailing period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXXchild support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Product: Money transfer, virtual currency, or money service

I received any unauthorized charge on my XXXX XXXX checking account of {$20.00} Cash APP. I filed a report weeks ago and they just closed it with no response so Im filing again because this company aides and abets crimes by allowing fraud and identity theft. In addition, if you do your research XXXX XXXX  use this platform in which they promote blackmail and exploitation and they receive the money through this app. When you report the profiles nothing ever happens. They never call you either. Its run by an automated robot so when they respond to this complaint itll be the same ole response about calling an automated robot on the phone in which they never solve the problem. This company needs to be investigated by the police. I want my money back because I refuse to let people fraud me
Product: Debt collection

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.

1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of XXXX, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations XXXX and what actions he or she has taken in relation to this accoun Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of XXXX  and the Administration of Justice Act XXXX  which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2018, I had received notice from a XXXX XXXX   that it was new inquiry was added on my Equifax report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In account with the Fair Credit Reporting act. The list of account 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 XXXX : Account # XXXX, XXXXXXXX XXXX  : account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # 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 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: Prepaid card

I have tried to make purchases on XXXX, XXXX, XXXX, XXXX and XXXX and all were rejected. I have also tried to add this to my XXXX wallet and it accepted it, but payments were then denied when trying to process payments against the card. In multiple calls with AmEx, they have said " try in 24 hours, we will process a lift '' after calling back, they just said " try a different retailer ''. It is predatory business practices that they do not allow this money to be accessed and this " gift '' has become more of a headache than anything.
Product: Credit card

I signed up for the capital 1 XXXX  XXXX  which had an introduction offer where if I spent XXXX within a certain timeframe I would receive XXXX bonus miles. I downloaded the capital 1 app on my I phone which I use to pay bills and keep track of my balances. Since Ive had the app the date to spend this money by has always showed XXXX. Screenshots provided. Yesterday XXXX I made a purchase for a little over XXXX that put me past XXXX total. This charge was doubled billed by the vendor and triggered a notice to their fraud department. I called the fraud department to let them know it was me and naturally inquired to make sure this purchase would count towards the rewards bonus. Thats when I was informed that my spend by date had already passed. Capital 1 is telling me that the spend by date was XXXX and that maybe there was a glitch in the app and too bad so sad for me. Ive spoken with multiple capital 1 representatives, most recently supervisor XXXX ID either XXXX or XXXX XXXX on around XXXX mountain standard timeXXXX. XXXX echoed the same statement and says that their system shows XXXX and that they cant see the app but regardless the date is XXXX, not XXXX. This seems incredibly predatory and illegal that the app could show incorrect information and its my job to figure out fact from fiction. By showing I had until the XXXX I was basing my spending off of that date. Also the vendor for the {$500.00} dollars purchase said it was approved but capital 1 says its still pending and it seems like they are purposely delaying this charge so it doesnt count in the XXXX. I spoke with multiple people and have gotten nowhere so Im turning to CFPD to file a complaint and hopefully get the bonus miles since thats the whole reason I got the card in the first place. Thank you for looking into this matter.