23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested, and on numerous occasions - a Do Not contact and from this debt collector. 

I am reliant on a Do NOT Contact description from FDCPA. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. 

The CFPB has them as well. 

I have also - never, asked for a VOD. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. 

Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. 

The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. 

You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. 

The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. 

At some point, the actual penalties will be real - and outweigh your actions. 

We are at the cusp, remember there is a class of people. 

Do not contact any one for anything.
Product: Checking or savings account

This Wells Fargo bank has been doing things inappropriately with my banking tampering with my funds repeatedly and messing with my funds and merchant services my data was breached several times and then are not doing appropriately messing with my pertinence
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My 7 credit cards has disappeared from my credit file and my fico score decreased.All these credit cards are in good standing. I called Experian and asked the reason.I was told that I disputed so they removed.I told that I never disputed these credit to be removed and there is no reason I would do it.They said they have documents that they prove it.I asked who gave permission to do so.And they are putting all on me.I explained million times that I did not do it and I spent hours to explain. But now they want to contact all credit card companies to reinstate and report to experian.But I told them it was their fault they fix it. But said I need to call, wasting my time and not even sure how long it will take.Experian is responsible for mess up they need to contact all credit cards to fix.Why should I take headache.
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. Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX # 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 In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Payday loan, title loan, personal loan, or advance loan

I started a loan with XXXX XXXX XXXX of XXXX alabama tge moment i went through with the loan just days after putting in my down payment and making my first payment on the car they reported a missed payment even though they got paid they continued to mark every month as missed even when they got there money when i went to terminate this loan i told them to come pick it up because they continued to stack on massive fees the entire time i was under contract with them and never one time talked to me about doing this XX/XX/year>2024 is when they come to pick this car up here it is 2 months later and there still reporting missed payments even though they have the car back and continue denying my disputes even though they are the ones telling me to dispute this i need help with this i will never use a financing company again and this is my first vehicle
Product: Debt collection

On Tuesday, XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX, on behalf of Plaza Services Inc, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about XXXX or that he was called on behalf of Plaza Services. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved. 

XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( Plaza ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " XXXX '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to XXXX ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me. 

After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and XXXX ' director all took place on XX/XX/2021.
Product: Credit reporting 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This complaint is in regard to inaccurate accounts I have noticed in my consumer report from EXPERIAN. I have a dispute letter that I want EXPERIAN to review and reinvestigate. I am sending this letter through the CFPB because I want to make sure that a response is received in regard to my letter. I've learned that consumer reporting agencies ignore letters, and I don't want me time wasted.
Product: Debt collection

I contacted the collections company to let them know that the debt is false. I tried to lease a product from XXXX and they sent the product to my old address in another state. I then contacted them to report it and they told me to fill out a claim form. I filled out the claim form and included the correct address so that they could send me the product. They sent the product to the old address again and asked me to fill out another form. I told them I changed my mind and now I did not want the product. They have now sold my account to debt collections for the amount that the product was worth and Ive never received the product. I spoke with Resurgent Capital Services ( debt collecting company ) and told them the issue and they basically stated that there was nothing that I could do and I would have to pay a debt that isnt mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX and XXXX. I made numerous attempts to file disputes online and over the phone.A representative went off on when I asked to speak to a supervisor and told her I filed civil lawsuit. 
I explained my name is not correct and inquiries are not mine.You can not go online because system doesnt work and I am XXXX XXXX. I even faxed over the documents multiple times. I filed civil lawsuit for XXXX discrimination. 
I keep getting transferred around to people overseas.
Product: Debt collection

I made a phone called on todays XXXX 
The person who handled my collections acct was very rude, misbehavior and blaming its my Acct on collections Im trying to let her know Im the victim of theft and not myself was do the collections Shes represented a company Put my name on collections and very seriously..

Im calling because of the victim of fraud Shes still trying to tell me its my own collections Even I said I have a police report shes still denial that police report shes keep reading out the debt of collector.. 
These business need to understand if I filed a Attorney and asked my damages who have to paid for it Some company turned to used abuse language and fault words but they should be aware about the FACTS not their opinion Putting my name on collections its not true and right I hope everyones should be looking this company Called Procollect collections agency Phone or fax XXXX XXXX XXXX Or email XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell XXXX AND TRANSUNION CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX
Product: Student loan

I submitted an employment contribution form showing I work at a qualifying employer. My form shows I started employment on XX/XX/2021 and it continues to present. Fedloan Servicing decided to rob me of credit for XX/XX/2021 and XX/XX/2021 and list my start date as XX/XX/2021. When I called them last time it took two and a half hours to reach someone and they did not resolve my issue. I would like Fedloan Servicing to do their job of properly counting my payments. It is worth noting they still have not given me credit for XXXX, but this is a new complaint about how I am being robbed of credit for other payment periods.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

All of this happened on XX/XX/23. 

Someone was able to fraudulently open an account in my former name. They used my former name, former email address, current phone number, and ( most concerningly ) social security number. Upon first attempt to call BoA, I was unable to get past the automated menu due to not having my account number - ironically enough, the automated recording told me I needed to have my account number in order to speak with a representative " for my security ''. I stopped in the local branch and spoke with a teller who was able to determine the account number using my social security number for lookup. She gave me a 1-800 number to call and told me the number was being used specifically for the situation I described ( fraudulent account opening ). After being on hold for almost 30 minutes, I spoke with an agent who told me I needed to call a different 1-800 number. I was on hold for another 30 minutes until finally speaking with a representative. The representative was able to close the account, but I never received any written confirmation of this ( either email or paper mail ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was scammed I wired transferred XXXX from Chase to XXXX XXXX. I thought is was on the up and up since this was an bank to bank. But ii was not. I contacted Chase and fell like the town XXXX. I know I was scammed. I have kept the scammer on the line by stringing him along. He claims to be connected to a XXXX  organization but likes talking with me. I am screaming from roof top for help but no one wants to help just make an example of me. Chase 's system XXXX 's very complicated and no communication, they claim I am not replying by I am logging in 10 times a day to see what they need, I called and customer services said they need more info. I logged in and they do not have things anything, They claim there its a virtual person but there is not. I know once the funds are taken out are this people realize I am attempting something the you know what is going to hit the fan and then I don't know where my safety is but I just don't want this to happen to others, but no one cares.
Product: Checking or savings account

I have been a Wells Fargo ( WF ) customer since XXXX and have had a business account since XXXX. I even opened accounts for my children at WF. My one adult child still has the account after over 20 years. 

My personal account was hacked on XX/XX/XXXX, for {$9600.00} ( {$7000.00} from my credit card and {$2600.00} from my checking account ). I reported the incident to WF on the XXXX. 

My accounts were closed, and new accounts were opened immediately. I received replacement credit, debit, and ATM cards in the mail about five days later. I also received letters in the mail notifying me that the new accounts will be closed as well. The bank had made a business decision to close all my accounts. 

I also get letters in the mail that my claim was denied because their investigation showed that I benefited from the fraudulent transactions. In other words, I hacked myself, or I am the fraud. 

I have had XXXX XXXX XXXX transacted through my business account over 23 years, but WF thinks I want to defraud the bank of {$9600.00}.
Product: Debt collection

This item does not belong to me. I sent out letters on XX/XX/2023 regarding this item along with others. Its been way over 30 days since I heard anything back.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX AccountXXXX that is shown as charged off on my Transunion credit report, and I have a 1099-C from the IRS and XXXX XXXX cancellation of debt , which means this needs to be deleted right away.
Product: Debt collection

On XX/XX/XXXX, I was once again contacted by Sunrise Credit Services regarding a cable/internet bill of {$55.00} and some change. This was the 4th or 5th call from Sunrise Credit Services. As I explained previously, with several representatives, I do not owe this debt as my contract with that cable/internet company had ended and I no longer continued with their services. This cancellation was right at the end of my contract, in XX/XX/XXXX. This cable/internet company bills a month in advance, thus billing me for the month of XX/XX/XXXX, when contract ended. Apprantly it took them days to do whatever it is thats done behind the scene to cancel the account and thus this {$55.00} remained on the cancelled account. While speaking with Sunrise Credit Services, I explained this and also supplied them with my current and on-going bankruptcy case number, which in this last conversation ( 2 times ) with a lady of an Island decent, stated that this case number was already on file. To my suprise, they were still calling me (??? ). A clear violation of my Rights under the FDCPA... under the Federal laws of the Bankruptcy Courts. She continued to question and make " strong '' statements regarding the amount balacne. I repeated myself about my Rights, she said a few more words ; this will be placed on your credit report and hung up. I called back to express my concerns about the enitre conversation and again, was met with rudeness. I have had to block all numbers that they continued to call me from. I also sent an email to serveral of their emails addresses, addressing the issue in hopes of Sunrise Credit Services cease immediately of these harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, this creditor, XXXX XXXX  has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement arrangement through the courts with Paypal Synchrony Bank. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.