23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.
Product: Debt collection

I was a XXXX client for over a decade but for the last 4 years the service was terrible. I was paying roughly $ 250 monthly for a service that wasn't working. I called them to fix the channels because most the channels I paid for I counld n't see because it was distorted. They would send a tech but the issue was the same. So I decided to cancel my subcriptions and switch to XXXX. XXXX never cancalled my account, so recently I recieved a bill from a credit collection agency ( Sunrise Credit Services ) stating that I owe them {$380.00} and I'm explaining to them that I cancelled my account. So yesterday my credit score was impacted by this collection by XXXX points. Please investigate XXXX for there unfair business practices/ terrible service and Sunrise Credit Service as well. They have no right to mess up my credit with false information. Thank you and please help me.
Product: Mortgage

I applied for a loan with Draper and Kramer Mortgage ( DKMortgage ) and completed the initial application form. On XX/XX/21 I received a notice that the application had been denied due to lack of documents. While I was aware that I still needed to provide some documents, I did not know we were in jeopardy of being denied. I did not see any notices from DKMortgage warning of approaching deadlines, and I did not receive a call. Had I known, I would have done whatever was required to turn in any outstanding documents. As a result of the denial, I am prohibited from applying for a loan with DKMortgage for 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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: Credit reporting or other personal consumer reports

Requested debt validation, and current status on XXXX shows it has been over 30 days. No knowledge of alleged debt and creditor.
Product: Debt collection

This collection agency told my husband, who is not on the credit card and did not have anything to do with it, all of the information about the credit card and what I owed and threatened him with being involved if I did n't pay. They wo n't tell us who they are, the name of the firm or anything. They leave threatening calls at my home and work. They have called my XXXX year old parents and my daughter in California. They call every fifteen minutes. I have tried repeatedly to call the number they leave when I can get to a place to have privacy ( XXXX ) and I 'm left on hold over and over again for outrageous times. I have the cell phone records to prove I 've been trying to reach them. Last night I was on hold for 3 hours and 37 minutes before I finally went to bed. I do n't know if this is a scam. I do owe for a credit card but without knowing who they are - I 'm not giving them my financial information. Yesterday the man calling my work phone threatened to find me in person if I did not call them. That is why I sat online over 3 hours last night trying to reach them. Please help. I do n't know what to do.
Product: Checking or savings account

1. Earlier today I filed complaint XXXX regarding Bank of America, regarding the rudeness and poor customer service on the part of XXXX, the manager at the XXXX XXXX XXXX in XXXX. This poor customer service had occurred in the content of me attempting to deposit a check. 

2. Subsequent events that transpired today necessitate I file this second complaint regarding me being misinformed and then relying on another Branch Manager 's statements, only to be greatly harmed by Bank of America. 

3. After receiving poor service at the XXXX XXXX, I walked to the XXXX XXXX XXXX. There, I met with Branch Manager XXXX, who walked me over to the teller area. 

4. XXXX and the teller began to process the check to see if there would be a hold. They said there would be a hold on all funds until the morning of XX/XX/XXXX, this Friday. I said I would prefer to have the check back and to try other banks. 

5. Both XXXX and the teller advised me specifically that if I deposited it at a BOA ATM that I would have immediate access to XXXX dollars funds, and the remaining hold through XX/XX/XXXX. 

6. I attempted to use a third party check cashing service through XXXX XXXX, but they wanted a four percent fee, and said their third party service couldn't reach anyone to verify ( it is unclear whether they were trying to reach XXXX XXXX XXXX, upon whom the check is drawn ; or XXXX XXXX XXXX, who wrote the check ). XXXX XXXX said they could try again but it started getting close to XXXX. and they were going to soon close. 

7. From there I walked to the BOA XXXX XXXX XXXX. where, upon the prior advice of XXXX and the teller at XXXX XXXX XXXX, I deposited the check in the ATM there. 

8. Instead of receiving my immediate XXXX dollars are promised, I received XXXX dollars. 

9. Instead of having a hold through XX/XX/XXXX as promised, the hold is through XX/XX/XXXX. 

10. These are federal funds intended for my education, to support my room and board and transportation and books and misc. expenses. I am enrolled in a seven week course in XXXX XXXX toward an XXXX   degree. For me to receive my funds after XX/XX/XXXX is harming my education and my ability to study or concentrate or even just live. The check was cut on yesterday and I paid nearly {$50.00} in shipping fees for it to be rushed to me just so I could have immediate access to at least some of the funds. 

11. Either XXXX and the teller gave me misinformation, or BOA is failing to keep its promises to me. 

12. In either event, Bank of America is responsible for harming my life and my education. 

13. I spoke with XXXX XXXX, the Vice President and Financial Center Manager at XXXX XXXX XXXX. He offered no immediate relief financially, but did allow me to use his phone to call the XXXX XXXX, who was able to arrange for an XXXX to take me home. XXXX said he could not reverse the deposit and that we would have to wait until tomorrow - that he would ask for some or all of the hold to be lifted.
Product: Credit card or prepaid card

XXXX Redeemed XXXX XXXX XXXX XXXX points for {$25.00} to be applied to mortgage held with Fifth Third Bank. Told to allow up to 14 days for redemption to post. 

XXXX 18 days ( 4 days past deadline ) and redemption is still in " In-Progress '' status. 

XXXX Filled out " contact me '' form. Asking to find out why redemption has not posted. 
Told to expect a response within 48 hrs. 
XXXX Still no response so I filled out another " contact me '' form XXXX I missed the call from XXXX. I called back and left a message to call me back. 

XXXX Representative called. She said they had tried to call back on XXXX numerous times - however that number was no longer in service ( land line # that I had discontinued over 3 yrs. ago ). I don't understand why the old land line phone number was the one on file. Everytime I would redeem points I was required to put in my phone number - which was my current cell number. 
I asked why they didn't send me an email telling me they needed an updated number. Again - every redemption requires an email verification. Rep agreed that they should have attempted sending an email. 
Rep. told me a priority email would be sent to the Mortgage dept asking for an explanation. That a response should be forthcoming within 48 hrs. 

XXXX 48 hours have gone by - no response - no phone call. 

XXXX I called XXXX XXXX XXXX about lack of response. Rep. stated that they indeed had had no response. They would send a flagged email to 5/3 Mortgage Dept and that they should have a response within 48 hrs. 

XXXX Call from XXXX XXXX XXXX XXXX rep. ( over 5 days past due ). That the Mortgage Dept. had posted the {$25.00} toward my mortgage. I questioned this as the status is still " In-Progress ''. I stated that I believe this posting was for a new redemption I applied for on XXXX. I was assured that this was not the case. 

XXXX Checked status of redemptions. The redemption from XXXX is still " In-Progress ''. 
The redemption from XXXX is " Completed ''. 
So XXXX still has not applied my redemption request from XXXX - now over 3 weeks past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Platinum card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of  the attached credit report. ) I make regular monthly payments to American Express Platinum, over the minimum amount due, every month and I have never missed a payment. The monthly payment due is {$890.00} and I am making payments of over {$1000.00} per month. This account is reporting a past due balance of {$6700.00}, with a minimum payment due of {$6700.00}. How can my regular monthly payments of {$890.00} escalate to a minimum payment due of {$6700.00}? This miscalculation has triggered a late reflected on my credit report and consequently this account has been charged-off. How did American Express calculate this past due payment? According to the American Express Platinum website regarding payment calculations past due amounts can not just increase thousands of dollars unless there was a missed payment. As I stated above, I have never missed a monthly payment on this account. American Express Platinum is  reporting lates but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This information needs to be updated to report accurately on my credit report.
Product: Bank account or service

I have a premier checking account with Citizens bank in XXXX XXXX Ohio. The account is linked with several other accounts that have more than the minimum balance to keep it from getting charged a maintenance fee. Beginning XX/XX/2015, the bank, for no reason started taking out a maintenance fee of XXXX dollars for a total of more than XXXX dollars. I contacted the bank and spoke to the manager. She stated that it was their error and " XXXX '' would contact me to handle it. XXXX later called me and said that XXXX charges amounting to XXXX dollars would be refunded, but for policy reasons, no more. He did add that if I came to the bank and discussed solutions, more money might be refunded. I want a full reimbursement of the money fraudulently taken from the account as maintenance fees.
Product: Money transfer, virtual currency, or money service

I withdrew {$1200.00} from my Paypal account back in XX/XX/2022. After 3 days, Paypal reversed that transaction from my bank and terminated my account on XX/XX/2022. My account stated that I will be able to withdraw the money after 180 day. Paypal is holding on to the money incase if they have to pay any of the clients of mine. 
After 180 days, on XX/XX/2022, I tried to withdraw the money, I was getting errors. So, I contacted Paypal and the next day, XXXX XXXX, Paypal withdrew the money for themselves. When I try to contact Paypal, they're shifting the blame to their " back department '' and no one can get in tough with them to see why Paypal paid themselves with my funds.
Product: Vehicle loan or lease

I called USAA on XX/XX/2020 when I knew I was going to have a problem to the USAA collections department. They said the account was not here and sent me to the Auto loan department. The bill was due on XX/XX/2020. So at the time of the call the account was not late or past due. I called again asking what they were doing with Covid-19 nothing was said. I go into a chat today on XX/XX/2020 who tells me my account is over 30 days past due and that they can not do any deferment like I was asking on XX/XX/2020. I get XXXX on the call now XX/XX/2020 at who tells me 30 minutes after XXXX XXXX in the chat that the account is 4 days and they can not do anything
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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

In XXXX, I was mailed a credit card offer by Capital One stating that payment would not have to be made until XX/XX/XXXX. I applied and received the credit card. I called in XX/XX/XXXX to find out the exact date of when the credit card payment would be due before the 0 % interest expired. I was told by a customer service representative that I had until XX/XX/XXXX to make the payment. I called again on XX/XX/XXXX and was told that the 0 % interest off would expire on XX/XX/XXXX and that there was nothing they could do about the misinformation that I received. Now if the payment is n't made in full, I will be subjected to 22.9 % interest. I feel like this was a scam and I would have never signed up for this offer had I known this was the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late 5. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.
Product: Money transfer, virtual currency, or money service

I was supposed to receive a distribtuion from employement retirement services from Wells Fargo for {$34000.00} on XX/XX/XXXX. They confirmed this transaction but this time they sent Wells Fargo XXXX as payment as I learned on XX/XX/2023. The adminstrator and Wells Fargo HR ( both confirmed this. 

I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ) as directed and both confirmed no shares were received or an account even exists. Therefore I can not sell the stock while the stock is " lost '' by Wells Fargo as distribution for my retirement plan. 

The stock has lost value and I have no ability to sell and the company is only able to confirm distribtuion but not the location and as of XX/XX/2023 " lost ''
Product: Vehicle loan or lease

Wells Fargo letter to CFPB Complaint Number XXXX is misleading and dishonest. Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX and XXXX XXXX, Wells Fargo needs to answer the following from Complaint XXXX That is on ( attachment c-3 ) from the so-called loan application.

under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?
Product: Credit card or prepaid card

Our friends gave us a gift card which was used by somebody which later we realized charged by  XXXX   XXXX   XXXX . Both happened on the same day of the month.  XXXX  of  XXXX  and  XXXX  of  XXXX . We realized last month and opened a case with company. Then we went to oversees for a vacation and I came back yesterday. I found that the response letter I got from  Blackhawk  company was frustrating. They are asking original receipt and activation code of the gift card. As it can be inferred from the name it is a gift card and I did not buy this so I will never be able to send these information. I sent them the picture of gift card.  <P/> The gift card name is  GIFT CARD , from blackhawk network.  <P/> Since my gift card has been deactivated I can not call their customer service. They have this weird rule. As soon as you dial your card number it says it was deactivated and no way I can reach customer representative.  <P/> They also stated that I had to respond them in 10 business day but I might have already missed it due to my oversees travels.
Product: Credit reporting or other personal consumer reports

THESE items are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In the beginning XX/XX/2020 I received a notification on my credit report of a collections debt from IC System. I didn't know what the debt was about because I did not receive any mail pertaining to this. I called and was told it was from XXXX  bill owed. I have never had a XXXX  account and know nothing of this debt. I proceeded to write a letter on XX/XX/XXXX and sent via certified mail to ask them to verify the debt and explained to them I do not have an account number because I was never given a letter. They wrote me back saying they needed an account number to verify the debt and that the account number can be found on their website. I was able to obtain the account number and sent another letter on XX/XX/XXXX with their letter and my original letter as requested by them via certified mail and again asked them to verify the debt within 30 days and if not to delete this off my credit. They received the letter on XX/XX/XXXX and to date I have not received a verification of the debt and it has not been removed from my credit report.
Product: Debt collection

In late XX/XX/XXXX we received notice that we owed {$100.00} from XX/XX/XXXX that could be settled for about {$46.00}. I received another in XX/XX/XXXX which I returned with reasons of dispute. The bill did not include any detail such as total bill, amount approved by insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX ) or amount paid by the insurance company. 

I then received a statement from them showing a charge of {$400.00} with the dates of service from XX/XX/XXXX to XX/XX/XXXX ( my birth date ). Another page showed a current balance of {$100.00}. 

I then called them to complain and I was asked if I had any intention of paying it. I responded no. The reason being that I was not billed for nearly six years. Had I been billed timely, if the charge was valid, I would have paid with my FSA card in pre-tax dollars. Due to the length of time between date of service and billing plus cryptic billing statement there is no way to determine validity of the charge. 

I have never received a bill until nearly six years later and then the bill is lacking in the normal information required to run through XXXX  of MI. It appears to have never been processed properly until it was discovered years later and sold off or turned over to XXXX XXXX XXXX XXXX, XXXX. who has hired Phoenix Financial Services to pursue it.