23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called AscensionPoint Recovery Services at XXXX XXXX. on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

Bank of America was running a 0 % promotion until XX/XX/XXXX. On XX/XX/XXXX I decided to take advantage of this promotion and borrowed {$20000.00} to purchase landscaping services and they charged me an {$800.00} fee on top of the {$20000.00} so the Total was {$20.00}, XXXX. When I saw the next bill they had charged an additional {$360.00} of interest on top of the {$800.00}. When I called to let them know they had made an error they told me they would not honor the promotion since the landscaper had the same last name as I did. I do not own the landscaping company. There was nothing in the fine print that said they can determine who I give my business to. There are many businesses in this area with my same name but I do not own those businesses either. It is like XXXX. So they told me I had to return the money in order to get the {$360.00} back which I did. They have not returned the interest or the fee they charged. But what they have done is fraudulent advertising. Also I want the {$800.00} back since I did not wind up borrowing on this promotion. On XXXX and XX/XX/XXXX I had paid {$1100.00} for the first billing so on XX/XX/XXXX I paid {$19000.00}. They should return the interest they incorrectly charged me {$360.00} and the {$800.00} fee they imposed. There is no reason they should keep this money as I did not get the promotion. Why should they dictate who I hire? There was nothing in their promotion that said they have to approve the business I use. This is fraud and usury and stealing and false advertising. Please make them give back {$800.00} + XXXX plus the {$1100.00} I paid.. I will never use the Bank of America again and I have already secured the loan through another more reputable bank.
Product: Debt collection

I have put XXXX in a debt management program and they sent my debt too Jefferson capital systems in XXXX they have broken the agreement by the debt management program
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Today on XX/XX/XXXX I went into XXXX XXXX, XXXX, XXXX, to obtain a new year credit report and noticed a company showing Name of creditor/collection agency Capitol One Finance is showing late payments on the credit report when the account was paid in full and closed. 

Company CAPITAL ONE AUTO FINAN 27 LATE PAYMENTS Balance details Paid off- Balance - Balance updated - Original balance {$20000.00} Balance details Paid off- Balance - Balance updated - Original balance {$20000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Address of creditor/collection agency XXXX, TX XXXX Phone number XXXX XXXX XXXX XXXX This is a formal notice in regards to the inaccurate and fraudulent account ( s ) reporting on my consumer report by the company, anonymous collections company. 

I am requesting immediate removal of the inaccurate account ( s ) from all credit reports, XXXX, XXXX, XXXX and any other credit reporting I am attesting that I have not received a validation letter from the collection company mail nor electronically. 

I am reaching out to the Consumer Financial Protection Bureau I have no verbal nor written contract with Anonymous Company Capitol Auto Finance / Capitol One that states that I owe or agree to pay them any monies. 

I have no desire to do any business with Anonymous Company, Collections Company of Anonymous Law Group.

I as the victim of untrue information on my credit reports, am requesting that the Anonymous Collections Company according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and I am aware that this is subject to a {$1000.00} fine per violation
Product: Debt collection

Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.
Product: Mortgage

I have a home mortgage through Franklin American Mortgage Company in which automatic payments were set up. Each month I would receive a statement that the payment was accepted. My last payment was XXXX/XXXX/16. On XXXX/XXXX/16 the next payment was due but was not drafted from my account. When I noticed the mortgage amount was not completed, I logged into Franklin American Mortgage and my balance was {$0.00}. I was never notified of any changes. When I called Franklin American Mortgage, the automated telephone just told my that my loan had been transferred and hung up. I am trying to pay my mortgage and do not know where my mortgage was transferred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/21. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.
Product: Mortgage

1. PROCESSOR FAILED TO COMMUNICATE EFFECTIVELY AND IN A TIMELY FASHION WITH THE MEMBER 2. PROCESSOR FAILED TO OFFER BETTER OPTIONS/PRODUCTS FOR THE MEMBERS NEEDS AND FINANCIAL SITUATION 3. PROCESSOR FAILED TO PROCESS MEMBERS REFINANCE IN A TIMELY FASHION - ALLOWED RATE GUARANTEE TO EXPIRE 4. PROCESSOR FAILED TO PROVIDE CUSTOMER SERVICE AND REQUIRED MEMBER TO REDO NUMEROUS ITEMS BECAUSE FILE NOT HANDLED PROPERLY 5. PROCESSOR FAILED TO CLOSE REFINANCE ( STARTED XXXX 2016 AS CONVENTIONAL REFI - CHANGED IN XXXX 2016 TO FHA REFI AFTER PROBLEMS/COMPLAINANTS - AFTER COMPLAINTS RECEIVED AN EXTENTION OF THE LOCKED IN RATE AND WAS TOLD THAT MINIMAL MONIES WOULD BE OWED FOR CLOSING DUE TO PREMIUM PRICEING ( CONFIRMED IN XXXX 2016 ) - TO DATE STILL NO CLOSING 6. PROCESSOR FAILED TO USE APPROPRIATE DEMEANOR WHILE CONVERSING WITH MEMBER AND PORTRAYED A NEGATIVE ATTITUDE AND FORCEFUL/THREATENING PERSONA THAT WAS NOT HELPFUL AND DID NOT PROVIDE OPTIONS, BUT RATHER HAD A TAKE IT OR LEAVE IT ATTITUDE 7. PROCESSOR HAS CAUSED MEMBER FINANCIAL HARDSHIP DUE TO THE DELAY IN CLOSING - ( REFI WILL SAVE MEMBER SUBSTANTIAL MONEY ) WE ARE EXTREMELY FRUSTRATED AND HAVE COMPLAINED TO THE PROCESSOR, AND AT OUR LOCAL BRANCH WHERE WE ORIGINALLY FINANCED OUR HOME, REGARDING OUR UNHAPPINESS WITH THIS PROCESS AND THE BANKS FAILURE TO CLOSE THE REFINANCE OF OUR HOME THE RATE SHOULD BE LOCKED IN AT 3.75 % ( FHA ) - WITH PREMIUM PRICING THAT WOULD PAY XXXX POINTS ( MOST IF NOT ALL OF THE CLOSING COSTS ) AS PROMISED - ON A {$230000.00} LOAN - PAYMENTS WOULD BE APPROXIMATELY {$1600.00} UNTIL NOW WE DID NOT KNOW AN APROPRIATE VENUE TO FILE OUR COMPLAINT - A FRIEND TOLD US ABOUT THE CFPB AND THAT IS WHY WE ARE JUST KNOW FILING THIS ISSUE.
Product: Credit reporting or other personal consumer reports

I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & TranUnion. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for XXXX and TransUnion to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.
Product: Credit card

On XX/XX/2023 I was a victim of identity theft. The thief used my information to open a credit card with Apple Card/GS. They used the card to make purchases in the amount of {$3600.00}. None of these charges were legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 719XXXXXXXX has me at a score around 590. 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. See FTC Report attachment immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$33.00}, XXXX written off. {$21.00}, 228 past due as of XX/XX/XXXX. 
According to the CARES Act, accounts in forbearance or deferment should not be reported as delinquent or charged off if they were current prior to the forbearance period. However, I noticed that my account has been reported as Charged off as a Loss [ late, delinquent, etc. ] during the forbearance period, which is inconsistent with the protections provided under the CARES Act. The amount stated owed has already been written off as a Loss from the original creditor and no longer holds this debt. 

I kindly request that you correct the reporting of this account to reflect the proper status during the forbearance period and update my credit report accordingly. This correction should reflect that my account was in good standing and no negative reporting should have occurred during the deferral or forbearance period and be removed from my report as no balance due.
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report are incorrect. I filed a report with identity theft.gov 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 XXXXXX/XX/year>
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 is still another account that needs to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$18000.00}.
Product: Checking or savings account

I received a letter from the Social Security Administration stating that I owed around XXXX, due to an overpayment under my deceased father 's social security number, and that if I did not pay it back within 30 days, my SSDI would not be paid to me, until the debt was satisfied. I contacted the telephone number on the letter and was told that I had to pay it back using a personal check. My Key Bank hassle free checking account does not offer check writing ; so I opened an account at my bank that does offer check writing. I funded the account from my hassle free checking account at the same bank. I ordered checks with my ( at the time ) current address - which happened to be a hotel room that I have been staying at for several months ( after the death of my husband in XXXX, 2021 ) ; because the family home at XXXX XXXX XXXX in XXXX, XXXX  was re-modeled and sold and is part of a trust. I received the checks and then received a letter from my bank stating that my new checking account was essentially frozen, due to the Patriot Act! This is the craziest thing I have ever heard. My bank is prevented me from paying a branch of the United States government ; because my banks says the Patriot Act says that I could be either laundering money or funding terrorists. So the payment that I was about to make to the Social Security Administration was allegedly about to be made to a XXXX organization or for the benefit of a criminal enterprise? So Key Bank froze my money based upon the assumption that I was conspiring to commit a crime. This action by Key Bank violated my civil rights ; because I committed no crime, yet Key Bank froze my account anyway. All of my money comes from SSDI, a one-time death benefit from my deceased spouse 's employer, and payments from a trust. Therefore, I could not be laundering money. So that leaves " funding terrorism. '' Well, since I was attempting to pay the United States Government, I could not be " funding terrorism, '' by definition. Now the deadline has passed for me to re-pay the Social Security Administration. The bank won't let me have my money ; and I will receive NO SSDI for XXXX, XXXX, and a reduced payment for XXXX, 2021. All of this is due to the Patriot Act and my bank. I am highly disappointed in the Patriot Act ; because it is being used to harass me. Key Bank can not demonstrate that I committed a crime ; because Key Bank can not show the movement of money from my account to a single entity, except the company that printed my checks. Also, I am in the process of buying a home in XXXX  ; so I just moved out of the hotel room and have no current mailing address until I close on the home purchase, FYI.
Product: Mortgage

Third Federal- XXXX XXXX XXXX XXXX , Ohio XXXX -opened an equity line of credit on my home which resulted in a first lien being placed on my home. I had no knowledge of the account until XX/XX/2019 when I had a second mortgage opened through my bank. I contacted Third Federal and they told me I had a credit limit equity line of {$21000.00}. I explained to them I did not want an equity line of credit with them and to close the account. I explained that I have never used the credit line ( which each monthly statement shows a XXXX balance and XXXX available credit ). 
Every month Third Federal sends me a bill with the same information. A XXXX balance, available credit, and payment due. I have requested multiple times to close the account and have the lien removed off my home and each time they have me submit different documents and speak with a representative but someone it is not closed out. 

This month they sent me another bill ( attached below ) and I contacted them again to explain the situation as I have done monthly since XXXX. /a very rude woman assisted me and told me that there is nothing they will do about the fraudulent account and the fraudulent lien on my home. I asked to speak with a supervisor and she told me no one could help me. I contacted my attorney and she explained that I need to file a formal complaint and sent me the proper links to do so.
Product: Checking or savings account

XXXX XXXX XXXX XXXX and I am writing to file a complaint regarding unauthorized transactions on my Wells Fargo Bank account. Despite my efforts to address this issue directly with Wells Fargo, my claim has been denied, and I have encountered difficulties in resolving the matter. 

I have identified numerous unauthorized transactions on my account, specifically from two merchants, XXXX XXXX and XXXX XXXX. These transactions were not initiated or authorized by me, and I have made several attempts to rectify this situation through Wells Fargo 's dispute resolution process. 

On XXXX of XXXX, I initially filed a dispute for all the transactions in the account ending in XXXX, with claim no XXXX. 

Despite providing all necessary documentation and information to support my claim, Wells Fargo has denied my request for reimbursement or investigation into these transactions. This denial has caused financial distress and significant inconvenience. 

I tried calling them several times to find out the reason for this denial. In one scenario, an executive mentioned that they are filing the dispute again and they will resubmit the claim, the very next day another executive from the fraud department mentioned they can not file a second claim on transactions. Then who is saying correct. I Strongly believe they didnt even do a proper investigation. They can listen to the recordings because every call is being recorded on their end. 

I hereby request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that proper action is taken to resolve the unauthorized transactions on my account. 

I am seeking a swift and fair resolution to this issue and request your assistance in compelling Wells Fargo to investigate these unauthorized transactions promptly. 
Thank you for your attention to this matter. I look forward to your prompt action in resolving this dispute. 

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

I have 5 unauthorized inquries that need to be removed, I never filed for XXXX  XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account that was paid off satisfactorily and never late. I also want to validate 2 accounts I do not recognize, all of these items are detailed in the letter enclosed
Product: Checking or savings account

I received a mailer in late XX/XX/XXXX sent by Citi Bank offering XXXX American Airline miles if meet three clear requirements : open a Citi Bank checking account, charge {$750.00} with a Citi Bank ATM, and make 2 payments using their electronic payment system. The offer required an application be made by XX/XX/XXXX. My personal reference number for the offer is XXXX. The fraud I believe is that unlike the 3 requirements noted above which are clearly note in the mailer, there also is a requirement to have a {$50000.00} balance some where in a Citi Bank account. This requirement, rather than being clearly disclosed, is in a long list of footnotes printed in tiny gray print which I believe is meant to deceive. Unless you give Citi Bank {$50000.00} in assets the offer is void. No where is this clearly disclosed. This in my opinion is a bogus offer meant to deceive you into opening a Citi Bank account since the {$50000.00} requirement is not clearly disclosed, and therefore the offered incentive will almost never be able to be claimed Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My husband XXXX XXXX added me as an authorized user to his Discover Card. XXXX I called to have me removed and they would not remove it.
Product: Money transfer, virtual currency, or money service

When using XXXX to send payments there were no warnings of possibly losing the money if it was sent to the wrong recipient.