23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted in XX/XX/XXXX by the CBE Group which I learned was a debt collection agency. I was unaware of the debt they were contacting me for because they said it was over {$1500.00} for a medical debt with XXXX and the representative told me it was debt that I received this debt in XXXX due to a hospital visit. I found this odd because during XXXX i was covered by insurance and I did not go to the hospital. I immediately questioned the collector he told me if i didnt pay the debt today it would just accumulate more interest and my wages would be garnished or it would be taken out of my taxes. I wanted a copy of the bill and he said he didn't have it and I was transferred to his supervisor. She told me that the bill was likely due to prescriptions and that I was " lucky '' that XXXX caught it this early and sometimes they don't catch it for 10 years and people owe tens of thousands of dollars. She also told me that I would have no luck getting the bill because its likely XXXX  doesn't have it anymore and it would take too long for me to get it and I would just be adding daily interest to my bill if I tried to get a hold of XXXX  to get the bill. The supervisor told me that my wages or taxes would be garnished if I didn't pay it. She offered me payment plans half that day and half in 2 weeks, I'm a single mom that was not practical. The supervisor told me that a payment plan with lower payments would take time to develop and they would need to get approval from the Treasury and we would have to sit down and go through all of my finances to figure out lower plan. 
I finally got a copy of the actual medical bill and it was for prescriptions from XXXX 3 months after my divorce from an XXXX XXXX military member and it was for {$700.00} which is {$800.00} less than what the CBE Group charged me. The CBE Group called me everyday during work hours and never left a voicemail so I had no idea who was calling me for a while until i finally answered. I have already paid the {$1500.00}. Not only did the CBE Group more than double my medical and pushed me into pulling out a loan to pay for the medical bill because I was afraid my wages would be garnished in the full amount and I wouldn't be able my bills and I was seriously afraid for me and my XXXX well being. But it still has hurt my family and thsi company didn't even bother to work with me. I am afraid that they added more interest and will try and come after me for that in another 7 years saying I owe another {$1500.00}. 
I have both the bills send by the CBE Group and its titled " Message regarding US DEPARTMENT OF THE TREASURY account # XXXX XXXX and the actual bill from XXXX  to show that my bill was not only doubled but this company would not work with me to make payments and I had to make the full payment in 2 weeks. Additionally, the part of the account number in heading of email doesn't match the full account number on the debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UDC 1681.

15 U.S.C 1681 section 602 A. states I have rights to my 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 contatining any of the following items of information. Any other adversse item infromation, other than records of convcitions or crimes which antedates the report by more than seven years. 

Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has made several attempts after Discovering that Nordstrom has deceitfully opened an account in my name, now reflected on his credit report. We have decided to take this matter to court. XXXX XXXX has asked on several attempts to provide proof this account was opened by XXXX XXXX Nordstrom failed to provide any information on FCRA Law. This account is currently headed to litigation
Product: Mortgage

My husband and I applied for a re-finance loan with our current lender. Jumping through all the hoops that we have with them to get all the documentation to them in time to close, they have now requested that on the application, in the declarations sections we must check yes to XXXX and XXXX since we had a Short Sale. Then though we DID NOT have a foreclosure. They told us to do so or no loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following XXXX XXXX  XXXX XXXX Account XXXX. XXXX XXXX XXXX  Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX & XXXX XXXX
Product: Money transfer, virtual currency, or money service

I downloaded cash app XXXX years ago only because my brother used it to send me XXXX gifts. I attached it to my checking account so that I could transfer the cash to my bank and use it. So this year he sent cash app again. Again I transferred to my bank account. These are the only XXXX times I have used it. Someone else used cash app to access my checking account. First they deposited {$2.00} and change. Then they made XXXX small withdrawals totally around {$40.00}. My band fraud prevention called and we shut down my debit card. But the bank said that they would not reimburse me because I was signed up for cash app. So I called cash app and they would do nothing even though they had access to the persons account ( I told them the username that was on the withdrawals ). So luckily Im only out {$40.00} but it could have been all of my money. Is there anything that you can do to make sure this doesnt happen to anyone else?
Product: Checking or savings account

I ca n't provide dates, but Wells Fargo has persistently charged me overdraft fees, when I explicitly declined overdraft protection when I opened the account. I have confronted them about this, but it continued until I stopped using the account. Now they call about the uncollected fees, multiple times, daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continue to report false balance amounts, contracts, insurance payouts, previous identity records linking me to the account ( s ).
Product: Money transfer, virtual currency, or money service

Tracking # ( MTCN ) : XXXX Western union, i find it truly invasive of privacy laws, that to send {$50.00} 0r {$100.00} dollars they requested a social security number and passport and driver license, the thing it bothers me that to drug dealers that uses western union to laundering money, they don't request no information, I have already spoken to them provided documents including social security number and every single time is always the same issued. I need that money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improperly placed items on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint XXXX on XX/XX/2021 ( almost 2 months ago ) against XXXX  XXXX XXXX, but have not received any response. The following account is a fraud account that I have never opened or used : XXXX  XXXX XXXX account XXXX Please investigate and delete it.
Product: Student loan

I filed a mandatory forbearance request with my loan servicer AES and they did not request any additional information. They granted a temporary forbearance then rescinded it and charged me a late fee in XX/XX/2020. They are charging me this late fee and forcing payment during the period the government has issued a moratorium on student loan payments, through XXXX XXXX.
Product: Debt collection

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Product: Debt collection

On XX/XX/XXXX I was charged XXXX dollars in fees by check redi. And the money I owe for gas. I have not spoken to them at all and did not give them permission to charge my bank. I did not have enough money in my bank for those charges so my bank returned the payment. I dont know how they got access to my bank because I have not spoken to them and I did not give them permission to charge my account. I did not know they were trying to charge me XXXX dollars in fees until they charged my bank without permission the gas charges are {$6.00} and {$37.00}. And the two fees were XXXX dollars each. Theres no reason why the fee should cost more than what I owe for gas.
Product: Credit card or prepaid card

After initially crediting my credit card account for {$2600.00} on XX/XX/2022, based on a dispute I filed with a merchant, Barclays charged my account on XX/XX/2022, for the same amount. 

I later learned ( in correspondence by Barclays on XX/XX/2022 ) that this charge was based on the merchant providing screen shots of the terms and conditions that online applicants agree to by procuring their services through their website. The merchant also claimed that all services had been provided and the order was complete. The customer information in the screen shots was blank and the merchant provided no details regarding the services that I purchased, the manner in which I procured them, or the terms of the invoice that I was actually provided. 

The letter of XX/XX/2022, from Barclays stated that the reason for their decision was that " We were not provided with an itemized invoice/contract and/or a second opinion. '' Yet, on XX/XX/2022, I did, in fact, provide Barclays with the actual details regarding the services that I purchased, including the invoice and terms and conditions. 

Barclays never addressed the content of my letter, the fact that I had no direct agreement with the merchant ( they were a passthrough for the company that I did have an agreement with ), or the faulty documentation provided by the merchant. I attempted to address this in a reassertion of the claim to Barclays, but again, the dispute department failed to acknowledge my documentation or review the faulty documentation provided by the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off account with XXXX XXXX XXXX XXXX, I was checking my Equifax report and I see inaccurate reporting in the payment history. Since Equifax is reporting the account inaccurate please remove it from my credit report.
Product: Student loan

I have been a full-time employee of the Social Security Administration for 18 years. As a public servant, I applied for Public Service Student Loan Forgiveness under the expanded rules in XXXX of XXXX. My application was not processed until XX/XX/XXXX. 

While I am pleased that my loans were recently forgiven, Direct Loans, Mohela and the Department of Education each independently admit that the refund for my payments is incorrect. Unfortunately, nothing is being done. I have waited 60 days since informing Mohela of the error. No actions are being taken to correct the underpayment. 

I obtained the attached documents from Mohela, my most recent student loan servicer. The highlighted payments shown on the attached documents were all made under the Direct Loan program. and qualify for a refund. Per the PSLF rules, all qualifying payments in excess of XXXX are to be refunded. Three issues are noted : 1. At the time of my PSLF, I had a total of 175 qualifying months. This exceeds the required 120 qualifying payment months by 55. 

2. It is noted that a number of the qualifying months are credited due to deferments under Presidential initiatives implemented during the pandemic beginning in XXXX. I have identified those specific qualifying months. I understand that those are not literally " payments '' and can not be refunded. 

3. Among the 55 excess qualifying months, there are more than 30 actual payments that I made to my prior servicer, Direct Loans. Their payment log, Mohela 's own document ( attached ) and my financial records all agree that I made these payments of exactly {$20000.00} beginning in XXXX of XXXX and that 100 % of those 30 payments were made under a qualifying federal student loan servicer. 

Mohela indicated to me that this would be my refund amount. 

In XXXX, I received a Public Service Loan refund check in the amount of {$4000.00}. I should have received {>= $1,000,000}. The balance I am owed is {$16000.00}. 

There is another error. 

According to Mohela 's letter dated XX/XX/XXXX ( attached ) Mohela indicates that I received the refund of {$4000.00} " due to making payments during the COVID-19 Emergency Forbearance. The attached copy of Mohela 's own record of my payments shows that this is inaccurate. 

My last payment to Direct Loans was made on XX/XX/XXXX -a full three months prior to the day that the COVID-19 Emergency emerged. Mohela 's record of this payment is on page three of the attached payment register. It is the final entry under the " effective date '' column. 

Being a public servant for the past 18 years has been a rewarding experience. Please assist me in getting this corrected as soon as possible as I need the refund for unanticipated medical expenses that have unfortunately arisen. Thank you for you attention to this matter.
Product: Debt collection

2 Disputes were filed against the creditor for a debt that did not belong to me. I had submitted prof of residence in the state of NC in form of Tax documents that show proof of insurance in the state of NC for the year XXXX  and drivers license. The creditor twice has said the debt is mine. I have never been contacted by the creditor because I never lived in the state of Nevada. They have not shown prof that the debt is mine. Their tactic is to put the debt on someone who has a similar name, day of birth or a part of their social security matches the original debtor. They have not verify that the account is mine and I have not been contacted by the creditor even though my address, email and phone number are in my credit report. The creditor only wants someone to pay for the debt regardless of who it belongs to. They think they can bully me to pay a debt that is not mine because it causes issues with my credit worthiness and my ability to get credit or employment. They think I will just pay to make it go away. I wonder how many more people they have issued the same debt to collect multipole times.
Product: Debt collection

Pressler Felt and Warshaw LLP, located at XXXX XXXX XXXX in XXXX, NJ contacted me via mail on or about XX/XX/XXXX about an alleged debt of {$570.00} and said I was being sued. They asked me for an answer. I did not recognize this debt, so that was my answer, at which time I requested supporting documents to identify the debt, which they failed to send. I also informed them that I was the victim of identity theft and online stalking, which I reported to an FBI agent, to which he will attest. In response to my answer, all I was sent was a court date and asked for proof of who stole my identity. This is deceptive, as I dont know who stole my identity. If I knew, Id be suing them, but they did it through internet phishing and doxing. Pressler Felt and Warshaw is pretending they dont understand this and insist that I report the person who stole my identity. Since they dont seem to understand this and XXXX County gave us a court date on XX/XX/XXXX, I figured I would explain this at the time and provide them with the contact information of the FBI agent Im working with to resolve it. All of a sudden, today I received a letter from Pressler Felt and Warshaw stating that Im not entitled to a trial and that they dont feel I deserve an opportunity to present my case to a judge. Isnt that my right as an XXXX? Furthermore, they had 30 days from the day of my answer to provide me with supporting documents and they finally sent me some ... today. Its been long over 45 days and still, theres no proof of anything. No signatures from me. They just dont want to go to court because they know they are lying and their sheet of facts leaves out much of the above. Now theyre saying I have 10 days to provide another answer or theyll ask for a default judgement. Why cant they just wait until the original court date of XX/XX/XXXX? What are they trying to hide? They know this gives me no time to get a lawyer who will likely win in court. This is all illegal and unfair. I have come to find out there are hundreds of complaints and a class action suit against this Pressler Felt and Warshaw.
Product: Checking or savings account

To Whom It May Concern : I am writing to file a formal complaint regarding an incident that occurred at XXXX XXXX XXXX  in XXXX XXXX, New Jersey, on XX/XX/2023. On this date, I attempted to withdraw {$51000.00} from my account, but the bank did not have the available funds for withdrawal. I was informed that my only option to obtain my funds was to pay a {$10.00} fee for a cashier 's check. 

When I spoke to the branch manager XXXX XXXX XXXX, I explained the bank 's shortcoming and requested that the fee be waived. However, I was informed that the fee could not be waived, despite the bank 's failure to provide the requested service. I found this to be unacceptable, as I did not want to pay an additional fee for a service that should have been provided to me without any extra charges. 

Furthermore, I tried to close my account, as closing the account would allow me to obtain my funds free of charge. However, the branch would not allow it due to an incoming pending money transfer. The branch advised me to call Capital One and ask for my money back. When I called, the Capital One representatives were unwilling to reverse the fee, despite the bank 's failure to provide the service I requested. 

I believe that this incident is a clear violation of the Consumer Financial Protection Bureau 's regulations, as the bank failed to provide the service I requested, and then charged me an additional fee to obtain my funds. The branch 's unwillingness to waive the fee and the Capital One representatives ' lack of willingness to reverse it only compounded my frustration and dissatisfaction with the situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Capital One Bank for their violation of consumer rights. I also request that Capital One Bank refund the {$10.00} fee that I was charged for the cashier 's check. 

Thank you for your prompt attention to this matter.