23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an email from XXXX XXXX on XX/XX/2019 for their American Express card. The promotion that was offered was XXXX bonus points after spending {$1000.00} in first 3 months and 0 % Intro APR for 12 months. I received the bonus points but not the intro APR. I contacted American Express on XX/XX/2019. I was told they would investigate and for me to call back in 2 months. I called on XX/XX/2019 and was told again it wasn't a valid offer. The guy had me email him and his supervisor the email I received. He filed an appeal which also was denied. He called me on XX/XX/2019 and said him and his supervisor would still be working on it and he would get back to me. I haven't heard from him since. I also contacted XXXX via email and was told they don't offer any such promotions. I would like for American Express to honor the promotion that was offered to XXXX XXXX members.
Product: Student loan

I am currently repaying my student loans to XXXX XXXX. I am enrolled in an income based plan and work for a XXXX XXXX. I plan to apply for Public Service Loan Forgiveness ( PSLF ) once I have made 120 on time payments. In XXXX of XXXX my monthly payments were re-calculated, as they typically are annually. At the time I was under the IBR payment plan. My payments went from {$140.00} per month to over {$1000.00}, despite a minor change in my income. At the time I was moving in with my in laws to save money while my husband left for XXXX XXXX XXXX for the XXXX paying over {$1000.00} for only some of my federal loans was out of the question. My servicer informed me that I qualified for the new Revised Pay As You Earn ( RPAYE ) repayment plan, which would further decrease my monthly payment. I happily asked for them to switch my payment plan and I was informed that it could take up to 60 days to process the request. I was told that my account would be placed in an administrative forbearance during the processing time, but that my account would not be considered delinquent during that time. I did not receive a bill for my new RPAYE amount until XXXX XXXX. Unfortunately I was unable to make any payment from XXXX XXXX. This time frame was much longer than the 60 days that I was originally quoted. That is 7 months that I was unable to make qualifying payments towards PSLF, while still working for a qualifying organization. I will now be in debt longer due to the significant time that it took to switch my repayment plan. In addition, I was also required to make 2 monthly payments at {$5.00} each ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) due to my loans being in " administrative forbearance '' for so long. I do n't understand why I was penalized by paying this fee for the company 's error.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the d

ebt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently dispute a negative item on my credit report and didn't get a response.
Product: Checking or savings account

On XX/XX/23, at approximately XXXX to XXXX, my wife, XXXX XXXX XXXX XXXX a phone call on her cell phone from a male individual ( sounded like an XXXX accent ) stating that he was a Wells Fargo Bank Fraud Representative calling from Wells Fargo Bank and that there was potential fraud activity taking place in our Wells Fargo Checking Account. 
This male, posing as a Wells Fargo Customer Fraud Representative, indicated that a wire transfer of {$10000.00} was attempting to be sent from our Wells Fargo Checking Account to an individual named XXXX XXXX. 
XXXX XXXX was initially on guard for potential fraud, and indicated that to this male, but he said to Look at the phone number on the back of your debit cardyou will see that it is the same number that I am calling from. After checking and seeing that the call appeared to be coming from that same number on the back of her debit card, XXXX XXXX then accepted that he was legitimate and proceeded to follow his instructions. 
Per his instructions, she provided the Username and Password of our Online Checking account to this male, and she followed his instructions as text messages were received into her cell phone and he advised how to respond to them. Again these text messages appeared legitimate and to come from Wells Fargo Customer Service. 
XXXX XXXX alerted her husband, XXXX XXXX, and he began to listen in to the phone call. 
XXXX and XXXX grew suspicious, and at XXXX XXXX XXXX the Customer Service Number on the back of the debit card for Wells Fargo XXXX their landline ( XXXX ) while XXXX XXXX still on her call with this suspicious individual. XXXX call lasted XXXX minutes and XXXX seconds with a legitimate Wells Fargo Customer Service Representative, and XXXX explained his suspicions to the Rep about the entire situation thus far. That Customer Service rep stated that the call that the individual that my wife was currently on her cell phone with was a legitimate Wells Fargo Customer Service Rep and there was nothing to worry about. ( As all of these calls are recorded, XXXX call should be on a recording at Wells Fargo ). 
After both XXXX and XXXX concluded their calls at approximately XXXX, they checked their online account and saw the fraudulent wire transfer for {$10000.00}. 
XXXX then immediately called Wells Fargo Customer Service to stop the wire transfer. Unfortunately, per Wells Fargo, it was too late. 
While reviewing their account at that time, XXXX and XXXX then noticed a series of transactions/charges dated XX/XX/23 and XX/XX/23 that were also fraudulent. 
We then informed Wells Fargo of these fraudulent charges, cancelled XXXX debit card, requested a new debit card for her, and then changed our online banking username and password. 
Wells Fargo credited back {$820.00} as a provisional credit on XX/XX/23 pending resolution of those fraudulent charges. 
Wells Fargo informed us on XX/XX/23 that our initial claim for the {$10000.00} was denied, and we immediately requested an appeal. We were told that another Wells Fargo XXXX XXXX will contact us within 2 business days and we expect to hear from them by XX/XX/23.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding account 's that disputed that I recently addressed with your company. I filed a dispute with XXXX, Equifax And XXXX regarding account 's that was inaccurately reported on my credit report. XXXXXXXX XXXX XXXX and also XXXX XXXX. XXXX determined that the account 's was indeed erroneous and promptly deleted it from my credit report. I appreciate XXXX 's prompt action in resolving this matter. However, despite XXXX 's acknowledgment and deletion of the disputed account 's, I am disappointed to still see the same account 's remain on my credit report with XXXX and Equifax. This inconsistency among the credit reporting agencies is not only concerning but also detrimental to my credit score and financial well-being. I have attached documentation from XXXX confirming the deletions of the disputed accounts for your reference. I kindly request that XXXX and Equifax take immediate action to investigate this matter and remove the erroneous account from my credit reports. I understand that errors can occur in credit reporting, but it is imperative that all credit reporting agencies maintain accurate and up-to-date information to ensure the fairness and integrity of the credit reporting system. I trust that XXXX and Equifax will address this issue promptly and make the necessary corrections to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!
Product: Debt collection

Select portfolio servicing collected {$250000.00} from the closing of my house XX/XX/2020. Then returned the money without a release. The title company sent it back. I dont know where the money is from the sale of my property.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXCCOUNTS Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

I am trying to do a short sale on my home in order to avoid a foreclosure, at this point I along with my realtor have done everything that Select Portfolio Servicing " SPS '' asked of us. 
We got a cash offer for XXXX. SPS 's XXXX. shows non comparable properties that are located in a different and more expensive neighborhood " my house is the second largest in my neighborhood '', which are XXXX TO XXXX above value. My realtor who has over fifteen years experience in this area sent comparable examples in the same neighborhood showing the accurate value, but these have been ignored. There is a foreclosure sale date scheduled for XXXX XXXX. I received a letter from SPS dated XXXX XXXX stating I would have an answer in fifteen business days which is today XXXX XXXX. My realtor speaking on my behalf called them today to inquire as to they 're decision, they said we would be told by the end of the month. 
When we mentioned to them that we would be contacting the CFPB they said we would have an answer by next Wednesday " XXXX XXXX ''. 
At this point I fear that SPS will turn down the short sale in retaliation to my complaint. 
Please help me to resolve this matter so that the buyer does n't walk, and I do n't have my house foreclosed. 
Thank you.
Product: Debt collection

On XX/XX/20 A debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was ignored. A modification request was received on XX/XX/20 by UNITED COMMUNITY BANK XXXX XXXX ; XXXX XXXX  XXXX with respect to a bad loan that the bank previously made to Me. 

Which was denied and I request an appeal and provide evidence to support that I made enough money to pay my mortgage. 

I did show an hardship according to 1403 HERA sec 1639a. These company have violated my rights and have knowing entered into predatory lending practices and have violated the lending laws. I also request a copy of the complete serving file and have not received anything from these companies. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of the original creditor in writing, the collector must cease collection efforts until he verifies the debt or identifies the original creditor and mails a response to the consumer. If the consumers request for verification of the debt was made in accordance with Section 809 ( b ) of the Act ; the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. 
NOTHING HAS BEEN RECEIVED FROM THESE COMPANIES. 
They have violated the debt collection laws, the 1403 HERA sec 1639a laws, and the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) ( Public Law 116-136 ) By offering me a modification and not approving it for the Mortgage and then trying to proceed against me in a non-judicial foreclosure is deceptive and unfair. They have breached their legal duty to act fairly and in good faith by engaging in unfair and deceptive practices. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX are redlining my loan and have foreclosed on my property without proper validation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX has shown Discrimination on the basis of race national origin in the terms and conditions, or privileges of sale of a dwelling, in violation of 42 U.S.C 3604 ( b ). The is a gentrification of the neighborhood.
Product: Debt collection

I placed a call to NCB Management Services Incorporated on XX/XX/2019 and left a message with specific instructions to contact me on my cell phone. The cell phone number was given twice during the call. Despite the fact that I had left specific instructions regarding my callback number, NCB contacted my employer because the company representative said he " called the number that was on caller ID. '' Since specific instructions were left in my voicemail message, NCB had no right to call a number that appeared on caller ID. They had no way of knowing whose telephone number that was especially since the voicemail message that was left specifically designated the telephone number NCB was to contact regarding this debt. NCB has been particularly difficult to deal with. When I contacted them regarding specific language for reporting the debt as " paid as agreed per settlement, '' they became abrasive and stated that they were not responsible for reporting to the credit reporting agencies and that the language that appeared on credit reports was the responsibility of the original creditor. NCB is collecting a debt on behalf of a creditor, or perhaps even bought this debt, to say that they have no control over what is being reported is a falsehood. NCB has also failed to accurately account for all sums paid to them through settlement negotiations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, EQUIFAX, AND XXXX about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Product: Debt collection

Last year XXXX XXXX has been charging me for an annual membership. We went for one visit and left the park due to my daughter having XXXX XXXX. We spoke with a membership representative after getting on one ride and the occurrence happening. The customer service said not to worry that they understand since it happened all very quickly.. the membership would be canceled with cause of medical conditions. We left and returned home.. they continued to charge my card monthly. There is no customer service to call you can only email. After 3 months of trying to get this issue fixed and actually speak with someone with no luck. I was contacted by a collection agency. They said there was nothing that could happen. For me to pay over {$1000.00}. There has never been a live representive to speak with at XXXX XXXX. XXXX XXXX has no communication and we had paid for our visit that day and was charged multiple times. On top of everything the place has been closed due to COVID and still send me to collections. They have already charged me well over {$600.00}
Product: Checking or savings account

Around XX/XX/year> my account was closed for a check that was mistakenly deposited. The check happened to be canceled and reissued without my knowledge. A few days went by my account was still open. I went into the branch to update my address. Since Bank of America has it where you can only go inside to update your address. I went talked to a man at the kiosk. He updated my information in the system. I corrected him to update an error on there pertaining to my information. He and I confirm it was correct with the apt number being # XXXX. I left the branch a few hours later. My account was closed for fraud activity. I called to check on the status. I was told the account would be closed out and I would receive a check once the closing date is entered. I asked to go to the branch and pick up my remaining funds of {$70.00}. The request was put in and it was denied. I was never giving a reasoning for a denial why I couldnt pick up the funds instead of receiving a check by via mail. I was told the check was sent out around XX/XX/year>. It would take about 7-10 business days. I believe this is a violation of the EFTA. Alongside with some Regulation E violations. I filed a complaint with the CFPB in XXXX notifying I never received the funds in the mail. I was later contacted by a XXXX in the regulatory complaint department. She informed me that they would do an investigation on the matter. The outcome was Bank of America sent the cashiers check to the wrong address. Thats one violation there. Negligence on there part. Cause I went to the branch and confirmed the proper address. Not only at the branch but over the phone also I was assured the right address was on file. That the check from the closed account would be received there. On the documentation you will see two different addresses first notice the advice states proper address dated XX/XX/year>. Then the closed account later have the wrong address on there. If Im not mistaken if the proper address is on there for XX/XX/year>. Then was it mainly changed by a employee or the system to the incorrect address later. On XX/XX/year> I was called by XXXX and was told that the check was reissued on XX/XX/year> and it was sent to the proper address on file. It is now XX/XX/year> the XXXX day was XX/XX/year>. I have contacted XXXX XXXX at XXXX at ext XXXX # and have not received a response back. I ask the bank for an remittance or any proof of the check being sent at the timeframes they have said. Its lead for me to believe that the bank is frauding consumers but also this agency. By misrepresenting and false statements to consumers and agencies. I would like an full investigation into this matter. This neglect from Bank of America have made me inquire multiple unexpected expenses due to there promises. This would be a promissory estoppel I would have legal right to Sue. For fraud and negligence.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is harassing via email sending emails from XXXX XXXX then sending from LVNV, I have sent several requests to not contact me and sent a letter requesting they prove the debt is mine via email, after I receive phone calls but no one will reply to any email they just keep sending several notices. All credit bureaus had removed the debt but they re reported it again on XXXX XXXX after it was closed. And continue to update the debt monthly by reporting it and I can not get a resolution on this. They also change the amount owed, I get emails say it's over {$800.00} and credit shows over {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.