23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my student loans through XXXX XXXX. XXXX XXXX disbursed the payment to pay off my loans in full to the other companies. AES was XXXX of the companies that I have a student loan with. XXXX XXXX sent the check on XXXX XXXX, 2016 to the loan companies. AES has not posted this payment to my account yet. I called to see what is going on. I spoke with XXXX in customer service. He said they have not received any payments. I asked to cancel my direct payment for the loan that was coming due on XXXX XXXX, 2016. XXXX said because it was less than 3 days from that date, they could not cancel the payment. He said I could call my bank and block the payment, but that would put late fees on my account. The other option he gave me was to call XXXX and then add AES to the call and have the XXXX companies and myself talk and work it out. I am XXXX with my husband for military reasons and have no way to do a call of that nature with multiple parties. I called XXXX XXXX and they were able to confirm they sent the check on XXXX XXXX, 2016 and that it had been cashed by AES on XXXX XXXX, 2016. Still on XXXX XXXX, 2016 this payment has not posted to my account. They then went ahead and took out the direct payment of {$61000.00} on XXXX XXXX, even though they received and cashed the full payment for these loans on XXXX XXXX. To take money from someone who does not owe money is fraud and terrible business practice! I want my money returned along with the interest that has been accruing on these loans since XXXX XXXX when they cashed the full payment.
Product: Debt collection

I have made MULTIPLE attempts to contact ProCollect within this past year, almost every 30 days - as they are incorrectly reporting a balance owed on my credit report. Ive sent disputes and requested debt validations via certified mail. I have contacted the apartments they CLAIM I owe and provided them with the documentation showing proof that I owe NO BALANCE. Additionally, the amount they claim I owe has been changed which further shows that this is inaccurate and untrue. I even had the Manager at the apartment complex email them the document directly. Ive requested debt validations ; Ive requested for the account to be removed COMPLETELY as it is hindering me and 100 % inaccurate and have only been met with the rudest customer service I have ever received and nasty comments/conversations. This matter needs to be handled immediately. The account needs to be removed completely and a deletion letter needs to be sent to my email address.
Product: Checking or savings account

I called Bank of America X/XX/17 and they would not refund the {$35.00}. Spoke to a customer service rep then a manager. I told them I would contact the CFPB I am contesting an overdraft fee of {$35.00} which Bank of America will not refund. Bank of America did cover an overdraft of XXXX on X/XX/17. <P/>Deposits were made to stabilize my account X/XX/17 So, 4 days money cost me {$35.00} which my estimate is 60 % interest on a 4 day loan This XXXX article mentions the CFPB telling customers to beware of this fraud XXXX XXXX XXXX Bank of America
Product: Debt collection

Ally financial has called me XXXX times in XXXX days. I'm actively paying the debt, as well, but they are relentless and never identify themselves when they call.
Product: Checking or savings account

Netspend, issued a closed account final check of {$920.00} on XX/XX/2017 ... this payment was sent to my extended family members house in XXXX XXXX, Nevada.. somehow this check found its way to a Bank Named : XXXX XXXXXXXX XXXX , somewhere in the State of SD. A place I have never been to. Even if I want to I could not make seeing I have been living in the XXXX these pass three years. I have contacted Netspend, FDIC, AND OCC ABOT THIS MATTER ... and still have not been issued a New Check. This is why I am contacting your Agency.
Product: Debt collection

According to Legal Information Institute ( A ) Communication With The Consumer Generally.without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( B ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector. 
Account # XXXX ( Portfolio Recovery ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ( Webank/Avant )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out XXXX XXXX
Product: Debt collection

Received a letter from Selip & Stylianou LLP trying to collect a debt that not validated inaccurate or incorrect.
Product: Debt collection

This is a formal complaint against Plaza Services located in XXXX, GA. This company is reporting an unverifiable account on my credit report for an amount of {$570.00}. I've asked for proof, but they don't have it. They refuse to comply/respond. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental distress. For starters, they're reporting an inaccurate & unverifiable account on my credit report and not to mention an account in which I've requested evidence of their claim and which they were not able to furnish, per the FCRA and FDCPA. I have disputed this account directly with this collection agency in XXXX, XXXX, and XXXX of 2019, but unfortunately this company has completely dismissed my communications and requests to delete this frivolous information from my credit report. I am aware of many other complaints submitted about this company for their illicit and shady business practices. Yet, for some reason, this company is still in business. This company 's amateurish & negligent conduct has caused lots of harm, not only to my ability to establish credit, but also to my character as a XXXX and as an individual. Please help me to put a stop to the operation of these shady & immoral business practices right away. I really appreciate your time and guidance in this matter and hope to hear from you very soon.
Product: Student loan

General revenue services has been harassing me since XXXX. Two to 5 phone calls per day Monday through Saturday. 
Previously mentioned wage garnishment. 
I don't owe this debt- it has since been removed from my credit. 
Calls and sends letters to my father on the other side of the country. 
Has recently started calling my work- notably XXXX XXXX from the company. 
Their phone is XXXX XXXX XXXX, but they call from other numbers from local numbers and non-local.
Product: Debt collection

This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). You are claiming I owe a debt with the following details : Account Name : CITICARDS CBNA Account XXXX Amount XXXX Please provide me with the following information to validate this alleged debt : Proof I owe this debt : Provide documentation demonstrating that I have a contractual obligation to pay this debt ( e.g., signed contract, billing statements ). 
Name and address of the original creditor : If the debt has been transferred, provide the name and address of the original creditor. 
Itemization of the debt : Provide a breakdown of the claimed amount, including principal, interest, and any applicable fees. 
According to the FDCPA, you have 30 days from receipt of this letter to provide this validation. While awaiting validation, please cease all collection activities. 

If you fail to provide the requested validation, I will consider the debt invalid and expect any negative reporting associated with it to be removed from my credit reports.
Product: Checking or savings account

On XX/XX/year>, {$1900.00} was taking from my checking account ( Huntington bank ), I was scam by a company call XXXX XXXX XXXX XXXX, that I did not authorize. I open 2 dispute case with my bank, my bank Huntington doesn't want to refund my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, {$23000.00} XXXX  XXXX XXXX {$260.00} XXXXXXXX XXXX XXXX, XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

MY ACCOUNT WAS HACKED DUE TO THE CREDIT CARD COMPANYS FAULT AND MY POINTS WERE STOLEN AND FROZEN. I HAVE OVER XXXX POINTS AND THEY WERE SUPPOSED TO CONTACT ME TO REACTIVATE MY ACCOUNT. NOW THEY ARE SAYING THE ACCOUNT IS FORFEITED AND HAS NO POINTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian, XXXX, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX , TX ,XXXX, XXXX XXXX XXXX , XXXX, TX ,XXXX-
Product: Checking or savings account

I have been a Bank of American Small Business Customer for 2 years going on. I have never received a monthly {$14.00} fee for my checking account with BofA until XX/XX/18 which caused my account to accrue 2 overdraft fees for {$35.00} each making my checking account in a negative status $ -XXXX. I was told by the representative who answered when I called to speak to a small business specialist that I could not have the fees removed, I told her that I can not afford to pay the overdraft fees and that I would hate to have to close my BofA account after 2 years as a customer over this, her reply was " you will have to close your account then '' I asked politely to speak to a Supervisor, the rep kept me on hold for close to 10 mins only when my husband said that she was having me hold purposely to agitate me is when the rep said she had a supervisor ready. The Supervisor got on the phone and said her name is XXXX located in Delaware. The Supervisor said that she could not remove the overdraft fees and did not seem to care if I closed my account with BofA. I explained to the Supervisor XXXX that I am experiencing a hardship and that I just found out my baby inside of me is not alive and does not have a heartbeat and that I will be having a procedure to remove the fetus, and addition to that my family and I just moved to a new location and we have had financial hardship as well as the emotional sad news about our unborn baby not being alive. After telling my whole hardship story to the Supervisor XXXX, she said she was sorry to hear that but that she still can not remove the overdraft fees. I am very distressed and dissapointed and I am asking that you will have Bank of America remove the 2 {$35.00} overdraft fees so that I do not fall into anymore debt. I appreciate all that the CFPB does and stands for. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and bala nces, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from Original Creditor and   XXXX , TransUnion,  XXXX , with is in violation of the law ... ..
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error submitted dispute to Experian on XXXX/XXXX/XXXX and no answer : 1. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

2. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4.The information is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Debt collection

Midland Funding is claiming an account as being mine. They have filed a lawsuit for judgement without ever sending me a notice they are trying to collect a debt. I found this line item on my credit report and disputed it as well as sending a letter to validate the debt, which they received and signed for, on XX/XX/2019. Approx 2 weeks later, XX/XX/2019, I received a summons and complaint, filed by Midland Funding, who filed a lawsuit for judgement. I have repeatedly disputed this with them to no avail and they have failed to provide any proof of ownership of the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX LexiNexis revealed my private personal information to another person without my consent. That person contacted me to make me aware of this illegal activity. The private personal information included my current address and previous addresses and, most egregiously, my social security number. 
The report containing this illegally revealed private personal private information comes from LexisNexis through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had to quit XXXX XXXX because my partner had XXXX  issues and could not be home alone. This was submitted to both XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken with Hr at XXXX XXXX XXXX and this should have been dropped. I also supplied the XXXX  diagnosis from my partners doctor yet these guys keep it on my credit report and is now causing issues. As I am having trouble with the states of XXXX  and XXXX  on getting my XXXX licenses. They do not send anything proving this is still valid after I have sent this documentation to them multiple times.
Product: Credit card

Within 4 weeks, I have been contacted by the fraud departments for XXXX different credit cards. Chase Amazon Rewards, XXXX, and Chase Freedom have all said someone applied for credit cards in my name. I was contact by phone for the first XXXX and received notices in the mail for all XXXX. I said I had n't applied for any credit cards other than Symphony which is affiliated with a bed I purchased from XXXX XXXX on XXXX XXXX. This one is legit. The others are not. Chase Amazon and XXXX sent me the credit cards, and I cancelled them immediately. 2 days later, a bank statement from XXXX XXXX XXXX arrived in the mail. I have a valid XXXX XXXX card with them, but I did not open checking and savings accounts. The statement showed no activity on them. I closed these immediately too. 
All XXXX banks verified the applicant had my correct name, address and birthdate, but they gave different social security numbers and phone numbers. I went to XXXX and obtained a XXXX report on myself and enrolled in their credit alert program. My report shows recent inquiries from these banks. My name and address is correct on all. XXXX has an old XXXX area code phone number from 10 years ago, but it was mine. XXXX has a XXXX area code phone number which I have never had. I called XXXX and someone answered. Reverse white pages shows this to be a XXXX XXXX number in XXXX, California. I do n't know who it is, but it would be worth someone investigating. 
I 've never had an identity attack like this before. What do I do next?
Product: Credit card or prepaid card

On XX/XX/2019, I went to XXXX XXXX XXXX ( Address : XXXX. XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX XXXX ) that we rented before returning it to  XXXX. I gave my Bank of America XXXX XXXX XXXX XXXX to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America Mastercard to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. 

When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America XXXX credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. 

When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/19 through Bank of America and provided supporting documentation. 

On XX/XX/2019, I received a letter from Bank of America stating that they were unable to determine that a billing error occurred and they issued a credit to my account for the disputed charge. The letter also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. 

On XX/XX/2019, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my XXXX XXXX XXXX XXXX and were unable to pursue the dispute further. My Bank of America XXXX XXXX XXXX was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all the paperwork that the credit bureaus ask for to remove the accounts and nothing has happen
Product: Mortgage

Increasing my monthly payment without my knowledge since XXXX XXXX from {$430.00} dollar monthly to $ XXXX.I was tried to contact the motgage company called PHH Multiples time but an able to get an answer.My mortgage has been a fixed one and I was surprised that a morgage company has a control on my finance and can modify the rate and garnish my money from my direct payment bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute with Experian about a collection on my report that was under request for validation from a debt collector ( XXXX XXXX ). Experian then proceeded to start an investigation with the debt collector. On XX/XX/XXXX Experian updated the dispute and stated that the debt collector verified the debt. However, this is not correct regarding the validation process. The debt collector failed to validate the debt by XX/XX/XXXX the validation deadline WITH a signed contract that states I am the bearer of the debt. Along with the California state license number to collect debts in the state that I requested. Along with the proof that they are the official owners of the debt. The debt collector sent a debt verification that contained details of the original creditor and my name and address. That is not enough information to prove validity. This debt is not mine and they have yet to provide adequate proof for it to be on my report. The Debt collector failed to provide all the information I am entitled to within the allotted 30-day window. As stated under the Fair Debt Collection Practices Act. ( FDCPA ). As such I would like Experian to take down the collection within 30 days if they can not provide time-stamped proof from the debt collector ( XXXX XXXX XXXX ) that I received a proper debt validation with my signature and their CA license number to collect debt in the state. This would also include paperwork on how much they paid for the debt. I would like all the documents that were provided to Experian in the investigation to see if they coincide with what the debt collector sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns, The debt is settled with National credit systems. I have the credit card receipt. The agent said it should be noted to my account by the next Monday. However, it has now been 6 weeks. They sent the email to retrieve the paid in full letter. It is not there. I have left them messages and no one has returned my call. 

I need the letter and the debt paid in full and off my credit report ASAP! 

Thank you
Product: Checking or savings account

To whom it may concern, To keep this as succinct as possible, I will begin by listing the important date. 
After several face to face interactions, phone calls and emails regarding the sole proprietorship account under the legal name that I use, XXXX XXXX XXXX. What concluded was a final position statement made via email on XXXX XXXX, which can only be described as color of law. That email reads as follows : We are unable to complete your request to be removed as a sole owner or to list as Power of Attorney with no listing owner on the account. 

As the holder in due course of the legal name, I have the power to appoint anyone as power of attorney, including myself, XXXX XXXX XXXX the living man, to speak and act on behalf of the said legal name I use. I, as holder, am also able to sign as the authorized signatory for said legal name. Nobody at Wells Fargo has been given permission by me to title anybody on the sole proprietorship under the legal name I am authorized and entitled to use. 

Thanks in advance for your time, XXXX XXXX XXXX XXXX XXXX XXXX.

without prejudice
Product: Debt collection

My insurance paid this bill in 2013, the year it was filed. This bill is from 2013 and all of a sudden it appears as a collection with no written notice at the time of trying to purchase a house. Amount is XXXX , collection company is paramount recovery systems. My insurance contacted them, with me on the line, to give them information of the bill being paid and they will not take it off. My insurances has since sent me the statements of where it was paid in 2013. I can not get a hold of said dr. And hospital has nothing on file.