23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Representative called me today XXXX XXXX, 2015 and started her call with complete attitude in her voice. Advised her I spoke with someone already and that I have no funds yet. Been XXXX since XXXX and fighting to get my XXXX. Other than that payments had been paid consistently before this. She then asked why I do n't have money. My response again XXXX and she said why is that. I then asked her why she had an attitude with me she 's a CSR she said I am not a CSR. A collector/CSR rep using the tone and attitude she used with me today would be harmful for her company. She needs to listen and refrain from using smart remarks or belittle some one with questions of why we have no money or not working. I wish to not speak with this rep again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX EQUIFAX WAS FRAUDULENTLY REPORTING A CH XXXX BANKRUPTCY ON MY PERSONAL CREDIT FILE. 
I IMMEDIATELY CONTACTED THEM FOR DELETION AS THIS IS THE RESULT OF IDENTITY THEFT. 
THE BK WAS REMOVED AND I HAVE CONFIRMATION, TODAY XX/XX/XXXX I RECEIVED AN ALERT THAT EQUIFAX HAD PLACED THE BANKRUPTCY AGAIN ON MY PERSONAL CREDIT FILE. 

I SPOKE WITH XXXX IN OFFICE OF CONsumer AFFAIRS with EQUIFAX AT APPROX XXXX ; XXXX XXXX  XXXX XXXX, XXXX AND SHE GAVE A CONFIRMATION NO OF XXXX to the permanent removal and blocking of this account for the 2nd time. caseno XXXX
Product: Mortgage

We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I was a victim of identity fraud in the amount of {$1700.00} and the balance old is {$1900.00} I have XXXX to my local police district and made a police report and I have copies of the report the student account or loan was open with my information but I'm not the one that applied for it I have contacted this company more than once I was just recently told from the US department education that this is not their issue but they're still reporting on all my credit reports this account is a fraud and under that fcra law estates us 15 code 1681 e that any information on a person 's credit report that is inaccurate it must be updated and removed immediately this account is a fraudulent account and it should not be reported on my credit report
Product: Checking or savings account

On XX/XX/2021, I was alerted that my name and DOB were used to open a checking account at Wells Fargo. After contacting Wells Fargo, I learned that the account was opened using online banking, and also used my SSN.
Product: Credit reporting or other personal consumer reports

It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed. 

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. a police report has been filed and Attached to substantiate the fraudulent nature of these items, as required by the aforementioned regulations.
Product: Debt collection

I have a collections debt listed on my credit report that is not mine. The debt collection agency is listed as Wakefield & Associates. It lists the original debtor as XXXX  XXXX  XXXX  XXXX. During 2018 I was receiving threatening calls from XXXX  XXXX XXXX XXXX before they sold this debt to Wakefield & Associates . I  informed XXXX XXXX XXXX  XXXX during each of the multiple conversations that it was not me and someone must have provided my information or name because I had not used the ambulance for anything. I asked them to provide me some documentation and they could not and did not. This is affecting my credit score and credit rating substantially. I have contested this collections multiple times to the credit bureaus to no avail. I would like CFPB to assist me with this matter and these debtors. It is not fair and I want my name cleared.
Product: Credit reporting or other personal consumer reports

The credit card company ASPIRE wants documents from me that I dont have since I dont even have that credit card and I didnt sign up for it but somehow someone else did and used my personal information to do it and then finding out that the Aspire Credit Card is a scam and a fraud since they have been doing fraudulent business practices and putting fraudulent charges on customers credit cards and that company is through XXXX XXXX XXXX XXXX plus I was told on the phone when I called them last year back in XXXX since I was having problems with them and them lying to me more than once and I kept on calling them until one of there people talked to me and told me that I didnt owe anything on that credit card since it was paid off but they sounded really scared by telling me the truth and then I was transferred to another person and they told me the opposite of what the person that was scared told me plus I told the XXXX  about it and XXXX XXXX  and other bureaus and I left a comment on the XXXX about that business until I seen on that a response and they said the Aspire credit card company responded and said that they dont even have a credit card and they only do student loans and that isnt true since I looked up that company and sure enough that credit card company did have a credit card. Also there is another company just like them called XXXX  and they have been doing fraudulent business on a credit card that I do have but this credit card isnt supposed to have any annual fees or other fees on it only the late payment is supposed to be on it and they have been putting fraudulent charges on it with other fraudulent charges as well and making it look like I used over {$800.00} on it and that isnt even true since I have been paying on it my minimum payments and so far I paid them around {$200.00} or more and that is just an estimate of what I have been paying them since my minimum payments are between $ XXXX {$56.00} a month and that is what I have been paying that credit card and so far that credit card is paid off but they are continuing to put fraudulent charges on it that shouldnt be there and I did get a hold of them through there email address and they are still doing nothing about it and I did let XXXX XXXXXXXX know that since that credit card was on there website app and it said on it that it didnt have any annual fees on it or deposits and it was for people with less than better credit and it said that on the XXXX  credit card website application as well and so far I am still being charged fraudulent charges on both credit cards and I would like for police enforcement to go after these scam and fraudulent companies since the credit card companies are refusing to change it please and thank you!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes has fraudulently reported a charge-off to the 3 credit agencies for a vehicle lease contract that was satisfied in XXXX 2019. They claim there are excess wear and tear charges I am responsible for. In spite of 8 letters to them, they have failed and refuse to send any documentation to substantiate the exact nature of the excess wear and tear charges. They sent two debt collectors after me. I asked ( in writing ) repeatedly for the same information. I received nothing. They have now reported the account as a charge off and my FICO score dropped almost 100 points because of it.
Product: Debt collection

Attempting To collect money for me from an account that I dont owe them. They dont have proof of authority or a contract with my signature. These actions have caused undo harm, including financial stress. Damage to my credit score any emotional distress as a consumer I am Entitled to fair and transparent treatment and failure to comply with federal law is unacceptable
Product: Debt collection

SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX   HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$29000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

We had a warranty claim that the service provider did not repair correctly. Below is the timeline. Apple Card credit card did nothing to resolve the issue. 

Hello XXXX XXXX Im emailing you per our recent conversation with a breakdown of the HVAC issues at your property last summer, specifically pertaining to the work completed by XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX was initially assigned to the claim. They went out to the property and marked the claim as completed as of XX/XX/2022. No details were provided in regards to any work completed at this time. They went out on this same work order again on XXXX  and once again marked it as complete. 

XXXX XXXXXXXX XXXX XXXX was sent a recall to go out to the property. They went out on XXXX  and turned in a report advising the condenser at the property needed to be replaced. A XXXX XXXX XXXX and XXXX XXXX were ordered at this time based on the report turned in and XXXX XXXX XXXX advised due to modifications and other costs not covered by the contract you as the home owner would {$890.00} to complete the work. 

XXXX  received confirmation from XXXX XXXX XXXX advising the condenser replacement for this unit at the property was complete but they are still working on the replacement needed for the other XXXX unit at the property. 

XX/XX/ Issues with unit after new condenser installed FACT XXXX was assigned to review the situation. Found that the condenser installed was incorrect it was straight cool and needed heat pump condenser advised that the condenser and Air handler needed replaced. 

XXXX XXXX XXXX XXXX XXXX assigned as there was a lot of back and forth with FACT XXXX about costs and getting report. It took some time to locate proper equipment but XXXX XXXX was able to replace the unit with the correct equipment. 

XXXX  received confirmation claim complete. 

Thank you! 

XXXX XXXX Sales Support Team 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 Hours : M-F XXXX to XXXX MTN XXXX A member of the XXXX XXXX XXXX XXXX family of companies | XXXX XXXX XXXX ****************************************************************************************** This message may contain confidential or proprietary information intended only for the use of the addressee ( s ) named above or may contain information that is legally privileged. If you are not the intended addressee, or the person responsible for delivering it to the intended addressee, you are hereby notified that reading, disseminating, distributing or copying this message is strictly prohibited. If you have received this message by mistake, please immediately notify us by replying to the message and delete the original message and any copies immediately thereafter. 

If you received this email as a commercial message and would like to opt out of future commercial messages, please let us know and we will remove you from our distribution list. 

Thank you.~ ****************************************************************************************** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting incorrect information about my file that keeps getting all of my loans denied. Please correct your reporting and send a letter to me showing your office has corrected its reporting of my information.
Product: Credit reporting or other personal consumer reports

I

discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

You're in violation of 15 US Code 1681 ( b ) -Permissible purpose of consumer reports- as the consumer i did not give you my written to report such things on my credit report. You're also in violation of 15 US 1666 ( b ) -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am very embarrass that you would insult my character and report such misleading things, i will be contacting my lawyers for defamation of character if these matters dont get rissolve. I am demanding you remove these late payments from my credit report within 24 hours receiving this letter. The concerning accounts are listed below as a consumer again i demand the removal of these late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this account with Trans Union and I have filled out all the paperwork that someone has been using my ID for accounts XXXX XXXX XXXX # XXXX, Trans Union has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The FCRA is pretty clear on Civil liability and outcomes available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$10000.00} to my Bank of America account. 

Due to Bank of America 's error, the check was returned three days later ( XX/XX/XXXX ) despite being completely valid ( which was confirmed by the issuing bank ). 

On XX/XX/XXXX I called Bank of America and explained the situation but they refused to help me in any way. They told me to visit a branch for assistance. I visited a local Bank of America branch where they also refused to help me. 

Bank of America refused to credit my account or take any action to correct their mistake. This resulted in me being unable to access my money and violated their published policy on availability of deposited funds.
Product: Mortgage

I have a mortgage with Freedom Mortgage since XXXX. And this is the only account I have with them. I been paying on time and in full each month for the past 10 years. On XX/XX/XXXX, I made a honest mistake by sending {$1000.00} instead of the correct mortgage amount {$1000.00}. When Freedom Mortgage received the money they should apply towards interest first, then mortgage balance next. Instead they put it all under unapplied fund. 

Freedom Mortgage cashed my XXXX mortgage payment {$1000.00} on XX/XX/XXXX and XXXX mortgage payment {$1100.00} on XX/XX/XXXX. First everyone can see it is an honest mistake on my part for XXXX payment. I was {$10.00} short of the full mortgage payment amount. I am late 30 days for {$10.00} as Freedom Mortgage cashed my fund on XX/XX/XXXX. Instead Freedom Mortgage reported me to 4 credit bureaus as 30 days late for {$1000.00}, this is misleading and distorted. Freedom Mortgage already had {$1000.00} on XX/XX/XXXX in their hand how can they said they were {$1000.00} short for 30 days. I requested them to change my credit report to {$10.00} late for 30 days to reflect the real picture but they refused to do that. It is their mistake to put my {$1000.00} under unapplied fund and they should know it should be for mortgage payment as I only have one account with them. 

After pointing this to Freedom Mortgage it is incorrect to report I am {$1000.00} late for 30 days, it should be {$10.00} late for 30 days. They still do not want to correct their mistake.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX XXXX # XXXX THE XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

This is on my credit as a charge off and I'm requesting a XXXX from the company XXXX XXXX XXXX, Now it's under Jefferson Capital Systems llc who I don't know who they are and never had a contract with.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, XXXX am filing a Complaint against Capital One Bank NA. In correspondence to my previous complaint ( ID : XXXX ) Capital One Bank NA mentioned theyre unable to find any record of them harassing me, XXXX XXXX via XXXX XXXX however, I do have the proof and evidence of the harassment committed by Capital One Bank NA . In fact, dated on XX/XX/2022 at XXXX, I received another harassment email from the entity ( Capital One Bank Bank NA ). 

Its very clear and evident Capital One Bank NA is extorting me, XXXX XXXX, the consumer, pursuant to 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Capital One Bank NA, you can NOT deny your actions it is evident and you must be held accountable for your actions.

Congress makes this clear pursuant to 18 U.S. Code 891 ( 7 ) - Definitions and rules of construction - An extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person. Capital One Bank NA you threatened to report my information to Credit Reporting Agencies which is evident and has RUINED MY REPUTATION!!!!!!!!!!

Ive noticed Capital One Bank NA deceptive business practices you elaborate mechanism you broke the law!!!!! You will be fined for each violation ( s ) pursuant to 15 U.S. Code 1692k - Civil liability ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP im extremely frustrated.
Product: Checking or savings account

I deposited XXXX on XX/XX/2019 and was told that my funds would be available on XX/XX/2019 on the deposit slip with plenty of disclaimers. 
As of this morning XX/XX/2019 my funds were unavailable. The above mentioned check cleared the account it was drawn upon on XX/XX/2019. This is verified. 
I have bills to pay on time in order to keep up my credit rating and when I personally tried to talk to an employee of Chase I was told that the funds would not be available until XX/XX/XXXX. 
After sitting at the bank for XXXX minutes to no avail then next talking on the phone with Chase for almost XXXX minutes my funds were finally released. 
Can a bank legally hold funds for 9 days as they did today or worse for 13 days as they tried to do today? 
I have been a Chase customer for over 25 years!