23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Saturday,XX/XX/XXXXat XXXX CST a call was placed from I, the consumer, to Cash Central. I do not know for certain if this is the company that has been completely rude and obscene to me because they do not identify themselves when they are leaving voicemails nor do they identify themselves when answering the phone. If you call them at the number they leave you on your voicemail it 's always a representative that says " Corporate, this is ( say their names too low so you ca n't hear them ). '' The first representative i spoke with was a woman although I could not get her name because she whispered it. I advised her I was calling in to request for all communication to cease and desist since I had already asked them to not call me anymore on XX/XX/XXXX at XXXX yet they continued to call my employer and references. On XX/XX/XXXX I was hung up on 2 times for asking to speak with a supervisor as well. The woman then transferred me to a man in " corporate '' who 's name was also whispered on the line. I provided all account information and was cooperative the entire time. I asked him to cease and desist all communication on my account and he advised me " yeah that 's not going to happen '' because my account was currently in collections and because I needed to pay everything at that moment. He was very rude and advised me that they will continue to try and charge my checking account until they get their money so to " just keep an eye out and to expect for my money to be gone ''. I asked him, on a supposedly recorded line, " Are you refusing my request for all communication to cease and desist? '' He stated " yes he was not going to stop any calls until you actually pay everything. '' I advised him I will pay their company when I can and have the ability to do so online. He still refused to cease and desist even though there is no law that states they can refuse that request if the account is in collections at that moment. He stated he would only stop the calls until next Friday for me to pay everything then after that they will continue to call me, my employer and references. He also advised me they will most likely take all of my money from my checking account before then either way so to just keep an eye out. I understand i am behind. That was never my intention to begin with. I could not help the fact that Hurricane Harvey affected my immediate family and I am obligated to do everything in my power to ensure their well being. However they did n't care to even try to listen or ask why I am behind or offer any type of assistance other than assisting me with attitude, being rude and obscene then hanging up on me.
Product: Student loan

I have 50 total payments missing from my payment counts for PSLF forgiveness. If the payments were added as they should be, my loans would be forgiven.  I had a total of 4 loans, all with the same issue. 3 of the 4 were forgiven in XXXX XXXX. One is left with no explanation. I have taught at the same location since XXXX, and my payment period is certified. 

I have opened a case with Student Aid and it is still pending. Missing Months include: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Exeter finance is my auto loan company, they have XXXX, XXXX and XXXX marked at XXXX days late. However, I have made proper arrangements with them to defer payments to the end of my loan as well as made payments to keep my loan in good standing. I sent a letter of validation to them in which they did not respond.
Product: Checking or savings account

On XXXX XXXX XXXXXXXX chase bank has decided to close my account for no reason provided. 
Until this day XXXX XXXX XXXX XXXX I still do not have any explanation on why this happened and my very needed funds are still blocked, I am ok with them closing my account, since its at their discretion but not ok with them not sending my my account balance XXXX XXXX XXXX that are needed to provide to my family. This is unacceptable, especially during the XXXX. Because of the this my children wont be able to have anything for XXXX. I need your help please
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social Every time I try to open a account with chase they shut it down for no reason
Product: Credit card or prepaid card

XX/XX/2021 - I purchased 3 XXXX Airline Tickets with my American Express Platinum card for travel dates XX/XX/XXXX - XXXX. 

XX/XX/2021 - We checked in at the XXXX XXXX XXXX and my 3rd ticket ( which was purchased for my son ) was not recognized for free first checked baggage and I was charged {$30.00}. 

XX/XX/2021 - I contacted American Express Customer Service number on my card ( XXXX ) and spoke to XXXX who put a watch on the charge. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX. I explained that I was charged for baggage on XX/XX/XXXX and XX/XX/XXXX and I should not have been charged. I explained we checked in via the XXXX XXXX at both airports and my sons flight was charged the baggage fee. He put a watch on both charges. 

XX/XX/2021 - I received an email from American Express that the {$30.00} charge was posted to my account. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained the charge again. This time I was told that the charge was for excess baggage and I would have to contact XXXX XXXX to resolve this matter. I requested to speak with her supervisor, XXXX came back on the line and said she spoke with her supervisor and they will credit the account {$30.00}. I insisted on speaking with her supervisor, and finally, she got on the line. XXXX was her name and she assured me the charge would be credited to my account within 24-48 hours. 

XX/XX/2021 - I received an email - see copy of email attached. 

XX/XX/2021 - I contacted American Express Customer Service ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained my situation, again, she said she would change the dispute and I would see a credit within 24-48 hours. 

Needless to say, I am canceling this card once this matter is resolved. I did not have excess baggage and was charged for baggage that I should not have been charged for and I was unable to resolve the charge at the airport, expecting that American Express would be able to assist me with this matter. I was wrong. 

I would greatly appreciate any assistance your office can provide to resolve this matter. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is listed on the account isnt correct nor has it been proved to be correct when asked
Product: Debt collection

company will not contact use directly the keep contacting family members leavening messages 3 to 4 times a day. But they will not contact the card holder. they need to contact me or my wife directly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, NJ XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & 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
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy These address do not belong on my credit report : XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX EXPERIAN XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CHXXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that XXXX uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that XXXX, Experian, and XXXX file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court, that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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: Checking or savings account

XX/XX/XXXX I signed up for XXXX, a Tutoring web to offer me as math tutor.

XX/XX/XXXXI received a Lesson Request from XXXX XXXX  for his daughter XXXX. We scheduled the lesson Wednesday and Fridays in the XXXX XXXX XXXX XXXXUSD /Hr. He said he was going to send a XXXX  check for XXXX USD. OF those funds XXXX  were for me as per four weeks of lessons in advance plus XXXX to cover the inconvenience. The rest, I was supposed to give it to the childcare/ caregiver.

XX/XX/XXXX I received the check. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX. Check No : XXXX. Account : XXXX. XXXX XXXX XXXX.

The XXXX  details are Origin ID XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  NY, XXXX. XXXX   Tracking XXXX XXXX XXXX XXXXXX/XX/XXXX I deposited the check online in my Bank of America account.

XX/XX/XXXX Funds were available. As per XXXX XXXX   instructions I made 2 transfers of XXXX and XXXX   to the Account # XXXX  of XXXX XXXX XXXX.XX/XX/XXXXBank of America bounced the Check No : XXXX According to the website wasXX/XX/XXXX but I checked the statement that day and it was not bounced.

XX/XX/XXXX I check my statement and see the scam. Immediately call Bank Of America. After waiting 30 minutes, went to the XXXX XXXX XXXX XXXX XXXX   FL XXXX  Branch. They said they advanced the funds without clearing the check in good will and that was my responsibility. They say they could not give any details of Account # XXXX  of XXXX XXXX XXXX. They say they could not give me any affidavit of the claim. They just let me use the phone to call the fraud department that bounced me to 2 more departments.

I went to the police.

As per Bank of America, they failed to take note of my claim that they hold the Account # XXXX of XXXX XXXX XXXX  which is the recipient to USD XXXX scammed to me and that is going to affect my credit record but also Bank of Americas reputation.

Again, if the impossibility to trace a scam is the argument on which they have the policy of doing nothing ; I have a real name, a real account in a reputed institution that should be investigated as a mean to repair damage to honest citizens and prevent future crimes.
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for violation of account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and delete from my credit report. You were notified in XX/XX/year> that the company requested to remove this account from my credit report. XXXX is the only credit reporting agency that failed to remove this account from my credit report. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter which is dated, and time stamped and the response letter from the company.
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 XXXX Account NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights . Or a 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: Credit reporting or other personal consumer reports

Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing a complaint against XXXX, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over XXXX times in the past XXXX months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act ( FCBA ) in relation to a dispute that I filed with the company. Specifically, I submitted a dispute to Wells Fargo on XXXX/XXXX/22 regarding a charge on my credit card account. After an extended investigation period, the dispute was closed on XXXX/XXXX/22, and the charges were re-applied to my account without proper resolution of the dispute. 

I believe that Wells Fargo violated the FCBA by failing to properly investigate and resolve my dispute within the required timeframe of 90 days. Furthermore, by re-applying the charges to my account without proper resolution of the dispute, Wells Fargo has potentially violated my rights as a consumer. 

I have attempted to contact Wells Fargo to seek an explanation for their actions, but have not received a satisfactory response. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that Wells Fargo complies with all applicable consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.