23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
Product: Debt collection

I had XXXX to repair an XXXX XXXX in XXXX of XXXX. I had to go to the XXXX  a few days later because I couldn't have a XXXX XXXX  after three days, which is dangerous. The XXXX  staff dismissed what I told them and kept me there for over SIX HOURS. Their XXXX XXXX XXXXXXXX was giving me medical advice without a medical license. Their staff is inept. They knowingly and willingly kept me at the hospital all of those hours to rack up charges. They did nothing to help me but tell me to get some XXXX XXXX, and sent me home. TOTAL FRAUD. They defrauded my work insurance, and I fought this bogus charge for months. Now they want me to pay for their fraud? My work insurance paid the bulk of their fraudulent charges. I contacted Clear Recovery , Inc. and told them I do not have a contract with them, and if they put this on my credit, especially since this is a fraudulent charge, they would be in violation of the FCRA. I want them to leave me alone. I do not owe this fraudulent debt.
Product: Checking or savings account

There were delays on my account when uploading money which ultimately led to them allowing my money to be available immediately which should happened but continued to charge me overdraft fees on the back end/ after the fact as if I didnt have any money in my account or as if my account was in a negative standing when it was not. Times and dates for deposits and withdraws were also out of order and inconsistent with my actual transaction history showing that they were made at times that were not chronologically correct. At times I would wonder where my money was actually going and why certain fund amounts were not present/available.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTSXXXX XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.
Product: Debt collection

On XX/XX/2019 I called GLA COLLECTION COMPANY, INC in order to dispute a collection fee that was reported on my credit score. Upon speaking with a representative, I was informed that the collection came from XXXX XXXX XXXXXXXX XXXX XXXX. I was provided with an account number to assist me in calling XXXX XXXX XXXXXXXX XXXX XXXX to find out where the bill came from. I revived verification from XXXX that I did not owe any money and that they had not sent me to collections. They Instructed me to call back and ask for an itemized list from the company. I called the company to ask for an itemized bill and they stated that I was past the point of receiving and itemized bill as the debt had been in collection for over 6 months. I indicated that I never received any correspondence about this bill, nor phone calls. The company is asking that I pay the full amount to remove the collection from my credit score without providing me a written statement as to where the bill came from. Please investigate this company as I believe this is a fraudulent case of extortion through.
Product: Bank account or service

I heard, through a friend, about a promotional offer from Wells Fargo. The offer stated that Wells Fargo was offering a {$250.00} cash bonus when you set up a new " XXXX Checking Account ''. I went to my local branch located at : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX After meeting with a banker I was told that they did not have any way to honor the offer, but that I should come back in one week and they would be able to do so. Instead I went online to set up the account, following all the instructions on Wells Fargo 's offer page for this promotion ( https : //www.wellsfargo.com/XXXX I then received an email that my application had been successfully received -- this email also included instructions for the bonus offer. After five days of waiting I had not heard anything else from Wells Fargo regarding my new account, so I called their customer service line for clarification. I was informed by a representative that I did not qualify for the promotion since I had not received an individualized email offer code for this particular promotion, even though such requirement was never mentioned once on their offer page, or in the confirmation email, or indeed at any time during the application process. 

It really seems like Wells Fargo put out a promotion to earn new customers without any intention of honoring that promotion. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to me.
Product: Credit card or prepaid card

The following charges, totaling {$280.00}, showed up on my Barclays XXXX XXXX XXXX statement which I did not make or authorize. I reported these fraudulent charges to Barclays in late XX/XX/XXXX and followed-up more than once in early XX/XX/XXXX, but they have not removed them and they are still showing up on my balance due. The issue seems to be related to the fact that Barclay 's recently took over my credit card from XXXX XXXX. One person I spoke with at Barclays told me I should call XXXX, but when I tried calling XXXX, an automated recording directed me to call Barclays : XX/XX/XXXX - XXXX XXXX XXXX - {$20.00} XX/XX/XXXX - XXXX XXXX - {$47.00} XX/XX/XXXX - XXXX - {$17.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - XXXX - {$50.00} XX/XX/XXXX - XXXX - {$7.00} XX/XX/XXXX - XXXX  - {$23.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$35.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$59.00} XX/XX/XXXX - XXXX - {$9.00}
Product: Debt collection

I received a bill 8 months after a service was rendered from XXXX XXXX XXXX XXXX, in XXXX XXXX, TX, for {$850.00}. I had contacted them in early XX/XX/XXXX to assist in saving 2 dogs from a shelter ( a site on XXXX to rescue animals ). I agreed to pay a fee of {$200.00} to shelter and return to health these 2 dogs. The first dog was released within a few days but the other dog had XXXX XXXX, which required a 2-3 week board. The 2nd dog was released, transported to me in VA and I fostered them until they were placed in their forever homes. I moved back to my home in ME and didn't hear anything else and assumed the debt was paid in full as a joint rescue mission. Until, I received this startling debt. The invoice indicated the amounts were charged to me in XX/XX/XXXX, months after the services were rendered, 5 months after the dogs had been placed in new  homes. The amount was staggering for boarding of mainly 1 dog. I contested this bill, noting that I had agreed to a {$200.00} debt, which I paid up-front, that I assumed the debt was a joint charity effort in rescuing these dogs and that I was also not in a position to pay such a fee at that time ( unemployed during the 2nd half of XX/XX/XXXX ). 
No response. 
Then, a bill from Capital Accounts shows up to my home in ME with the full amount due on XX/XX/XXXX and I promptly write to them with the same explanation, even offering to pay {$100.00} as a means to settle this unreasonable debt. I sent this letter in the U.S. Postal mail AND I uploaded it on their mysteriously, unfriendly website. 

I did not receive any response from Capital Accounts to my letter. I do however. receive a letter from them on XX/XX/XXXX advising me of the following, " you have not made satisfactory payment arrangements to pay this delinquent debt and XXXX XXXX XXXX XXXX has authorized us to report this unpaid collection account to the national credit bureaus '', which a day later they reported this debt to two national credit bureaus. 

Please help me to get this debt removed from my credit report and force this debt collector to better communicate and work towards resolve of each individual.
Product: Mortgage

On XX/XX/XXXX, I received notification my XXXX XXXX XXXX XXXX XXXX # XXXX ) was denied due to Bankruptcy. This information was derived from XXXX reporting agency on XX/XX/XXXX. If due diligence was conducted on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX the banking institution should have noticed my bankruptcy was XXXX on XX/XX/XXXX. I disclosed this fact on my initial application ( XX/XX/XXXX ). At no time was I notified by the loan application verbiage and loan informational pamphlets provided to me by XXXX  that having a Bankruptcy was a factor to deny credit. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX ( XXXX XXXX - XXXX # XXXX ) my loan proceeded ahead to the Underwriter and would take about XXXX days to process credit review. 

I recently purchased another home on XX/XX/XXXX ( XXXX Mortgage ) and refinanced my rental property on XX/XX/XXXX ( XXXX Mortgage ), financed XXXX vehicles, opened XXXX credit card, opened several installment accounts after my bankruptcy discharge date and during the 7 year reporting period for all credit agencies to report bankruptcies to financial institutions. Lastly, all of my debts to XXXX  were paid in full during my Chapter XXXX discharge ( XX/XX/XXXX ) and since then I have been denied credit by NFCU on several previous credit applications. 

I would like to know what makes XXXX different from other financial institutions approving loans after my bankruptcy discharge while XXXX denied my XXXX loan application which would be secured by my rental property? How many other XXXX  consumers have been approved for loans after filing for Chapter XXXX Bankruptcy? Lastly, I've been a faithful member of XXXX  since XXXX ; I use XXXX as my Primary Banking source to include processing all of my payroll direct deposits.
Product: Checking or savings account

I was a patient in a hospital. I was in and out of consciousness for an extended period of time. Roughly XXXX and XXXX years. My sister got ahold of my debit card and withdrew $ XXXX, mostly from ATMs. This started in late XX/XX/2023. She used my debit card to pay for plane tickets, luggage, her motels, as well as using the ATMs. 
Wells Fargo bank has done nothing to help me out. I've had XXXX meetings with them, and they still refuse to do anything. They OK 'd a POA that I didn't sign. I couldn't sign it because I was not in any state of mind to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of multiple times that I am asking for investigation of these items on my credit report, it is in violation of federal law. Please check or investigate these unverifiable items and fix it immediately 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 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 XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, XXXX, I wire transferred {$3000.00} ( XXXX XXXX XXXX  ) from my account at XXXXXXXX XXXX XXXX, XXXX, to Silvergate Bank in favor of XXXX XXXXt account where my son has an account. The intention was to purchase crypto currency with the money. XXXXXXXX XXXX  confirmed the transfer by swift message. However, the money has never made it to XXXX XXXX account to fund my son 's account. I contacted XXXX XXXX via email and they confirmed that no money was received. I wrote an email to Silvergate Bank on the XXXX of XXXX, XXXXXXXX, and I have still not received a repky.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX experian charged my husband and I 's debit card without us authorizing. We called them immediately and an experian representative said they would cancel our subscription ( that we did n't make in the first place ). Well today XX/XX/XXXX they have done it again same charge. We are on the phone with them again but have been on hold for over 30 mins now, so annoying. Our bank has put a stop to recurring charges from them for a year.
Product: Student loan

I was working on getting my loan payment lowered. After reaching a number I had.to give my debit card number. Once I did that the employee had to play a recording about terms and conditions. Before that I heard him clearly laugh out loud to his coworkes and say I got him to use a debit card. This concerns me. When I confronted him about it he stumbled upon his words before making some excuse up about its less paper work since its a debit vard and he was happy about that. I am worried he directed into some payment plan that will hurt me instead of help.
Product: Payday loan, title loan, or personal loan

Republic finance sent me a loan before school started in the mail. I did not apply for a loan and I was not looking for a loan. Due to how hard it is to pay for school I took the loan. Due to school I am not able to make payments. Most school loans allow you to make payments after you graduate and make a better income. I feel this company was predatory. I make between XXXX to XXXX a year but, I barely work because I need my grades to be high in order to graduate on time.I attempted to make a low payment online but am not able to. Now they plan to take me to court even though I could make smaller payments like {$25.00} a month or they could wait until I graduate like most actual student loans that students acquire do. This was predatory lending because they know I am in school and have a hard time and may not be able to pay it back.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of my student loan information. 

In XXXX of 2025, I became aware that my student loan records may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my student loan servicer ( Aidvantage ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to my loan records, payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( FERPA ).

My student loan records may have been accessed or shared improperly.

I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in student loan reporting ). 
I am requesting a review of whether my loan servicer ( Aidvantage ) or DOE improperly disclosed my student loan information, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether my student loan information was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer ( Aidvantage ) and the Department of Education provide a full explanation of how my student loan records have been handled, including whether they were disclosed to third parties.

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Equifax reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXXbut it finally was deleted. In XX/XX/XXXX, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card

To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-XXXX and Chase alleged benefit letter-XXXX ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 XXXX. Chase policy requires certain form to be completed. 
XXXX. Chase policy required subpoenas for certain information. 

Chase violated XXXX XXXX XXXX XXXX by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX and Chase Notification ) XXXX. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) XXXX. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX XXXX XXXX ) XXXX. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) XXXX By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.
Product: Debt collection

Accounts listed below need to be deleted off of my credit report IMMEDIATELY Account Name : RESURGENT RECEIVABLE. Account XXXX : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Product: Credit card or prepaid card

This is an addition to a complaint I made to the CFPB already. 
I just received my billing statement from Capitol One. 
They refuse to show the amount that is Available to use for credit. As of XX/XX/2021. All information on a statement is supposed to show for my account so I can keep track of all aspects of the billing procedures. I just made a payment on this account. 
There withholding the information that I am entitled to see since I am the one paying on this account.
Product: Debt collection

I am writing to file a formal complaint against National Enterprise Systems ( NES ) regarding their unethical and potentially illegal debt collection practices. Despite my efforts to resolve this matter amicably, NES has failed to provide adequate validation of a debt they claim I owe, and their conduct during communication has been highly intimidating and misleading. 

On XX/XX/year>, I sent a certified letter to NES requesting validation of the debt they are attempting to collect from me. Despite the legal obligation to respond within a reasonable timeframe, NES has neglected to provide any response to my inquiry. It is important to note that I have never entered into any agreement with NES, and their attempts to collect this debt lack any legal basis. 

Furthermore, during my recent conversation with a NES representative on XX/XX/year>, the representative exhibited an intimidating demeanor and spoke rapidly, making it impossible for me to comprehend the information being conveyed. This communication style creates a significant barrier to understanding my rights as a consumer and only serves to exacerbate the distress caused by NES 's actions. 

Additionally, NES has consistently failed to provide sufficient documentation or proof of the validity of the debt they claim I owe. Despite my repeated requests for verification, NES has not produced any evidence to support their claim. This lack of transparency raises serious doubts about the legitimacy of NES 's collection efforts and suggests that they may be engaging in deceptive practices. 

Moreover, I have reason to believe that NES is violating consumer protection laws by attempting to collect debts that are beyond the statute of limitations and employing deceptive tactics to coerce payment. These unfair and potentially unlawful practices must be thoroughly investigated and addressed to protect consumers from further harm. 

I urge you to conduct a comprehensive investigation into the conduct of National Enterprise Systems and take appropriate enforcement action to ensure compliance with applicable laws and regulations. Additionally, I request that you provide me with guidance on how to proceed in resolving this matter and protecting my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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. States a consumer reporting agency can not furnish an account without my written instructions.