23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Deceptive trade practices, Fraudulent misrepresentations during application process. On XX/XX/2023, I contacted Loan Depot for a refinance. I contacted them based on an advertised rate I found on XXXX. XXXX XXXX was the loan XXXX I was working with. I informed XXXX I was responding to advertisement I found on XXXX. She informed me that she could provide an even better offer if I was well qualified. I agreed to provide all the information she requested. She then proceeded to make me an offer that she presented as far better than what was advertised. I specifically asked her to reiterate the offer. She said I can get a 4.625 % rate on a 15 year fix loan with a {$7000.00} lender credit. I asked her twice to confirm that I heard her correct. She confirmed, but refused to provide an loan estimate unless I did the full application and gave her my credit card. Then I agreed to proceed with the full application. When I received the loan disclosures along with my application for signature, I noticed that there was no lender credit, but rather I was being CHARGED nearly {$25000.00} for points! I objected to this charge, and request the have the XXXX offer instead with zero points. In response, XXXX proceeded to lecture me about how much money I would save with her loan. She is dishonest, deceptive and a flat out liar. She should not be licensed to sell loans. I was conned into proceeding with an application on false pretenses. Luckily her company records all conversations. First, she plainly admitted that the XXXX ad was false to intentionally direct traffic to her company and that they would not honor that offer. Then she proceeded to apply deceptive and fraudulent tactics to overcharge me for points that I specifically and repeatedly told her I didn't want. This kind of behavior erodes the publics trust in institutional lending, is a deceptive marketing practice, and flat out fraudulent.
Product: Debt collection

On XX/XX/2020 I sent a letter to Collins Asset Group requesting for validation for debt they say I owe so things could be handle and I can improve my credit. Its been almost a year and I have received any letters or none of my phone calls have been returned. This has been a negative impact on my credit report and has stressed me out because my wife wants me to use my VA loan for a house.
Product: Debt collection

On XX/XX/2022 I received an alert that an account was entered on my credit report by AmSher Collection Service. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you.
Product: Debt collection

I get repeated phone calls and text messages telling me I have a judgment and they need to deliver papers or they call non stop ... it's to the point where I have to keep my phone on do not disturb. The caller is rude and says alot of mean things.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 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 XX/XX/XXXX
Product: Debt collection

On XX/XX/2022 the Philadelphia Fair Housing Commission ordered XXXX XXXX XXXX to pay me {$1400.00} security deposit and {$840.00} due to living in uninhabitable living conditions as a previous tenant. The FHC DOCKET NUMBER is XXXX. XXXX XXXX XXXX in retaliation to losing the court hearing, filed a fraudulent collection debt against me which is reflecting on my credit in the amount of {$6700.00}. The company continuously engages in fraudulent business practices. Im seeking that this fraudulent debt be removed off of my credit report. Im also seeking that XXXX XXXX XXXX be investigated for illegally reporting a false debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

As per 15 USC 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXXXXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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 XXXXXXXX
Product: Debt collection

In early XXXX, I received a summons from the company Selip & Stylianou ( on behalf of XXXX XXXX  ) for an amount owed of over {$12000.00} for a credit card opened in XX/XX/XXXX. I called XXXX to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( Selip & Stylianou ). I have since filed a dispute of the charges and filed a victim fraud claim with Selip & Stylianou, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the credit score, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with XXXX. I was unaware of any activity associated with the XXXXXXXX XXXX in question and I was not sent any credit statements or late payment warnings.
Product: Mortgage

On XX/XX/XXXX I was told that underwriting denied my loan due to the amount of reserves and there belief it was proceeds from a loan in spite of the fact I had provided more than enough documentation to show that the funds in my account were not from any loan. Additionally, I was told that I needed 3 months of reserves which I have demonstrated. In the processing of my application they failed apply the protections and or consideration of the XXXX XXXX XXXX XXXX as I showed them that I am a survivor on XXXX XXXXXXXX and the bankruptcy that filed was due to that XXXX XXXXXXXX. I should them documentation that I have paid 100 % of the debts in the bankruptcy and that it was in fact discharged.
Product: Bank account or service

I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.
Product: Credit reporting or other personal consumer reports

The company name is Capital One NA - XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, XXXX, and XXXX. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.
Product: Credit card

been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous
Product: Debt collection

My son fall ill to a sudden XXXX XXXX XXXX in Summer of 2020 and we had two hospital visits XXXX emergency room in XXXX XXXX XXXX XXXX, and since they did not have a children XXXX XXXX, they used emergency services and moved him to XX/XX/XXXX XXXX XXXX for XXXX XXXX my total bills after my insurance paid their share came to be close to 8000 dollars. i contacted both hospitals the same way and XX/XX/XXXX and I have an agreement to pay them XXXX per month, that i am paying. XXXX XXXX XXXX XXXX in XXXX, refused all my calls, rejected all my offers, and failed to reply to any offer i gave them. Finally they sent my bills for collection to a collection agency that now has begun harassing me and my wife a year later. Harris & Harris are calling me and my wife at home and at work at all times. or exactly at XXXX p.m. ( a minute before the required cut off ). My complaint is about both XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX and Harris & Harris.
Product: Debt collection

In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an XXXX XXXX XXXX  from XXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( XXXX  XXXX XXXX XXXX traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. 

I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. 

I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX XXXX  XXXX saying that they represented Spring Oaks Capital who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. 

Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX XXXX XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple XXXX XXXXXXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and TRANSUNION. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 The dealer was supose to my run my credit ONCE.! After reviewing my report they ran it serval times with many different places. Places i have never even heard of before. He basically harassed me 2 weeks calling none stop saying i found someone for you even after i told him it was okay and that i dont need his services. 
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 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 reporting or other personal consumer reports

Experian won't allow me to dispute hard inquiries..
Product: Money transfer, virtual currency, or money service

I asked TD bank to assist me in refunding my money from a scammer that coerced me into sending money through what I believed was a job offer from indeed which I applied to. I was given a check for XXXX which I thought was a sign on bonus only to discover it was false after I sent the money back through XXXX because I wanted to decline the offer. I got the check XX/XX/XXXX and deposited it XX/XX/XXXX. A day later I discovered the check was not a valid check and that I was a victim of fraud. I am out of XXXX from the initial sent money plus XXXX from an overdraft I had to deal with as a result of the deception. I immediately contacted TD bank to notify them and ask if theres anything that can be done and they essentially said that theres nothing they can do even after they quickly agreed it was fraud, even though the method I used to transfer the money is from XXXX which is linked to the TD bank mobile app which made me feel safe thinking they had my back if anything happened. To make matters worse I recently lost my job so I have no way of quickly recouping my loss. As a result of this outcome with the bank and general situation, Ive spiraled into a XXXX and havent even been able to leave my bed for days because I feel abandoned and discarded by my bank after I used their official mobile app thinking that in the event of any possible fraud, I would be protected rather than the scammer walking free. I have screenshots from the conversation with the scammer who I thought was a recruiter from indeed as well as any bank transfer information needed.
Product: Credit card

I believe the account is invalid. HARVARD COLLECTION SERVICE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. HARVARD COLLECTION SER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX XXXX XXXX - Experian XXXX -Experian XXXX XXXX XXXX XXXX-Experian XXXX-Experian XXXX XXXX
Product: Payday loan, title loan, or personal loan

I placed an order online via their app from XXXX I cancelled the order right away XXXX refunded the money to them and sent me a cancellation email affirm refuses to reflect this on my account they have me as still owing the balance telling me I have to wait for the merchant to process the order from XX/XX/2021 it is now XX/XX/2021 despite sending them proof they refuse to correct the issue
Product: Debt collection

The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The violations that have occurred include, but are not limited to violation of the North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

The violations that have occurred include, but are not limited to violation of the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

The violations that have occurred include, but are not limited to false or misleading representations ; in violation of 15 U.S.C. 1692e. Specifically, the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act specifically Notice Requirements of [ 15 USC 1692g ] ; overshadowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a message alert claiming there was {$440.00} coming out of my account. I was asked did I make these charges? I said no. On that day, there was two certified checks drawn out of my account. One was for XXXX. The other amount was XXXX. I got a phone call from another agent asking me if I was in the bank. I said I am not at the bank. I am home. They quickly connected me to a fraud agent where this agent asked me if I authorized a third check going out of XXXX? I responded no there should be no monies being removed from this account since it is a savings account. As I was confused told the agent if you look at the history of my account, you will see this money has been in there for nearly 10 years. The banker at the physical bank where the checks were written was the one who called me about that XXXX. So I successively declined the last check, going out, which saved the remaining money that was left in that savings account. 
Since Wells Fargo has the most inadequate security and investigation. I went about myself and contacted the FBI and filled out a report, called my local police department and filed a police report. As well as contacting consumer financial protection bureau for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a installment plan with Acima and Ive paid the balance off, but they keep lasting I owe them {$530.00} when I dont and reporting every month as delinquent, yet it says the account is closed and sent to collections. Its really effecting my credit report. Ive called and sent letter and nothing has changed.