23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management. 
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone from XXXX XXXX XXXX called me on behalf of spectrum mobile and demanded for me to pay for a router that I got from XXXX  when I had them as my service provider. 

I have provided them a proof of my last bill that said all dues are paid and nothing is pending from me. No one from XXXX ever even called me to request the router back. 

When XXXX called me, I told them that I wouldnt pay what they are demanding however if they want I can return the equipment right away ( its of no use to me ), they rejected my request and a few days later I suddenly see they have negatively reported on my credit. This is how these people make money from unaware and helpless consumers. Please help!
Product: Credit card

Around the end of XX/XX/XXXX I opened a card with Citibank and initiated balance transfer from another account with XXXX. As of XX/XX/XXXX this transfer is now on my Citibank account and I am paying on that account. However, there is no credit on the XXXX Account and XXXX states no credit has been sent to them. I have reached out multiple times on for the results of an investigation by Citibank and keep being told it will be a further " XXXX business days. '' There is no one who can give me any actionable information and there is no offer to expedite this.
Product: Debt collection

I sent a certified validation of debt letter to Congress collections and they failed to respond within 30 days as requested. Today I received a list of my medical records including procedures that I know is a direct violation of HIPPA regulations. I did not sign a HIPPA form authorizing them to have access to my protected health information. Please delete this information from my credit file and cease all collection activities at once.
Product: Prepaid card

I use an Amex Serve card ( a prepaid debit card with a bill paying function ) as an option to a checking account. On XXXX XXXX, 2017 I got an email saying I had a negative {$140.00} balance on this account. After reviewing the transaction history on the acct, I could find nothing that would cause that kind of deficit other than an unauthorized withdrawal transaction. After 2 phone calls to the Amex offshore help desk I still do not know what could have caused the problem. Just a simple check with a calculator beginning with the most recent cash reload showed that accounting for all the following transactions would leave only an {$8.00} deficit & I 'm certain there was a positive balance at the time of the reload. Both " customer service representatives '' that I spoke to at Amex Serve would only parrot back the transactions to me & would not even take the simple step of doing the transaction calculations that I did to produce the - {$8.00} balance. I am concerned about this especially since I just went through a lengthy identity fraud investigation with the IRS & am concerned that my identity has been compromised. However, even with that information Amex Serve refused to open any kind of investigation to find out why I have such a large deficit in my account. So, my only recourse is to bring this to your attention in the form of a complaint so I can find out the real reason for this issue. I 'm attaching a copy of the transactions in question beginning with XXXX XXXX & covering the transactions up to today. Thanks very much for your help with this.
Product: Money transfer, virtual currency, or money service

Why is the CFPB telling companies not to let me make International Wire Transfers? 
Suntrust says that the CFPB advised Suntrust Bank not to process an International Wire Transfer to my girlfriend in XXXX. I want to know why the CFPB is refusing to allow me to make International Wire Transfers?
Product: Debt collection

On XXXX XXXX, XXXX, we paid our XXXX phone billed and cancelled our service with XXXX. We switched to XXXX XXXX, who provided us with new phones upon trade in of our old phones. In XXXX of XXXX, we got a bill via email from XXXX that we owed {$360.00} that we declined to pay because we had cancelled our service with XXXX and paid our last bill. 

In XXXX XXXX, after receiving two missed calls and making two attempts to contact XXXX unsuccessfully, I later received a bill from XXXX in XXXX that we owed {$790.00}. There was no invoice attached or statement of phone usage ( because there was none ), but only a sheet of paper with the words in bold red letters : " ... .here 's your bill for this month. '' I 've written XXXX twice trying to get an explanation of why they insist I now owe them {$790.00}, since I cancelled service last XXXX. Since then, I 've received two collection letters from two different collection companies. The latest one is now stating that we owe {$860.00} And they have also put this on my credit report. 

I have a feeling that we are not the only ones XXXX has done this to.
Product: Prepaid card

I have regular Amex and a prepaid Amex. My prepaid Amex ends in # XXXX. Amex is doing away with the prepaid Amex card apparently. They sent me XXXX letters telling me that their fees were going up or they suggested I close the account. I called XXXX to close the account. I was told they had to mail me a check for {$1.00} ( the remaining balance on the card ) in order to close the account and avoid the fees. In order to mail the check I was required to update my address. With the help of the rep, I tried and tried and can not update my address because they need to validate my information. In order to validate my information I am required to send them proof of my address by fax or mail. I am not going to send in paperwork on my address or anything else simply to close out a prepaid card and get a {$1.00} cent refund just so I can avoid the monthly fees that are accruing. I spoke to the " supervisor '' of the information validation department ( XXXX ), who told me this is the only way I can avoid the fees. This is absolutely ridiculous on all levels. In order to avoid the fees I have to close the account, but can not close the account. Seems dumb. Just close the stupid account, keep the {$1.00} or send it to me, I do n't care, but I am not going to mail things back and forth just to update an address on an very old prepaid card. Seriously ridiculous. I may not be a customer of any Amex product, including the cc version if this ignorant behavior continues.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. 

I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : 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 Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  reporting agencies have been contacted numerous times per year, but my ex had enough control over things that no one believed that I was me. Medical accounts with major expenses were opened in my name, cell phone accounts were opened, my credit card and old bank accounts were misused after I had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    by his girlfriend (   XXXX   XXXX   ) of many years, making this impossible for me to fight. The abuse to my credit did n't stop after my attorney was able to put him in  XXXX . She continued until about 6 months ago. Since my credit has been ruined by them and initially spent nearly $  XXXX  to get him out of my life, I have n't been able to recover and fight this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i tried to transfer money using xoom on XX/XX/2022 at XXXX XXXX, it canceled out on xooms end, they withdrew the XXXX from my bank account i was sending it to, inturn overdrawing my account ... at XXXX XXXX  i tranfered XXXX more to clear this negative. when i checked later i was still missing the XXXX, as my account had the originial begining balance of XXXX, so i have reached out mulitiple times to xoom, mulitiple emails, i am getting no where. ive seen them screenshots of all the asked for info, transactions etc, this has been going on for 21 days, i dont have an extra XXXX to just throw away and they dont care, just hang up on you, and tell you your wrong, or no thats not it, so i need help
Product: Student loan

I am writing to request for your assistance in addressing issues with my public service loan forgiveness payments with Fedloan servicing ( PHEAA ). 

Problem # 1 - I was placed on excessive administrative forbearance of 4 months from XXXX through XX/XX/XXXX when applying for an income-driven repayment ( IDR ) plan when typically it takes 1 month to process the repayment application. I lost months of public service loan forgiveness ( PSLF ) qualifying payments. 

Just to give a little background- I graduated from medical school in XX/XX/XXXX, had a 6 month grace period XXXX through XX/XX/XXXX during which time I have consolidated my direct subsidized and unsubsidized Stafford loans with the intention of pursuing PSLF. At that time, my direct loans were with XXXX XXXX XXXX. My first repayment should have started in XX/XX/XXXX, but I was not informed to file an IDR repayment application before XX/XX/XXXX and once I filed the IDR form in XX/XX/XXXX, XXXX XXXX XXXX gave me a timeline of up to 2 months for processing time. Once the IDR application was processed, my first bill was generated in XX/XX/XXXX on the IBR plan. My loans were subsequently transferred to Fedloan Servicing in XX/XX/XXXX and XXXX XXXX XXXX has since been closed. 

Problem # 2 - During my annual IDR recertification in XX/XX/XXXX, Fedloan servicing placed me on administrative forbearance and Fedloan servicing automatically transferred my repayment plan from PAYE to REPAYE without my knowledge and without giving me an opt out option so that I can make my normal repayment under my then PAYE plan. 

Fedloan servicing said that they automatically transferred me to REPAY because I did not qualify for PAYE. I already lost one month of repayment when my IDR plan was switched from IBR to PAYE in XX/XX/XXXX and now I lost another month again because Fedloan servicing realized that they mistakenly approved me for the PAYE plan. Fedloan unilaterally placed me on administrative forbearance, switched my repayment plan, failed to offer me an opt out plan, and failed to inform me of this whole undertaking in XX/XX/XXXX. Fedloan 's service recovery team agent realized the error of not giving me an opt out option and filed for a review since XX/XX/XXXX for a bill to be retroactively generated, but there has been no remedy since the escalation.
Product: Vehicle loan or lease

I requested debt validation and proof of vehicle being sold and price of sale in auction, original contract/ purchase agreement and nothing has been provided. I sent request certified and no response to validate this charge off on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX I was interviewing for a sales job via XXXX  with XXXX  with XXXX XXXX. During the interview they expressed that I would need to get training to start working with them. They mentioned that affirm would provide a scholarship for the training and would be paid back once I completed their program. They kept reassuring me that I wouldnt have to pay out of pocket. I never knew a loan would be made in my name because I was never hired. I have been receiving calls from affirm about a {$7500.00} loan in my name. My credit score has been affected & debt collectors are calling. Fraud has been committed by the scaling with sales llc because I never opened a personal loan with affirm. I was under the impression that I was applying to a work from home position but was subjected to paying a loan that I wasnt aware of. I found that multiple people have also fell victim to this companies schemes and advise others to avoid this company at all costs.
Product: Mortgage

The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal property by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. I ran our financials on the Nationstar Mortgage and Know Your Options website and the result was that we are eligible for a loan modification with a lower payment to save our property. See attached documents. So there no reason why Nationstar should denied our request or foreclose on the property.
Product: Credit card

AAA Travel Advatage Sigature Card holders through Comenity Capital Bank will credit my account {$100.00} if I charged {$2000.00} by XXXX XXXX. I charged, according to statements : XXXX {$1300.00}, XXXX {$710.00}, & XXXX {$570.00}, totaling {$2600.00}. I called XX/XX/XXXX they said they'd check into it. I called XX/XX/XXXX talked with " XXXX '', she agreed with me and filed a dispute. Received letter XX/XX/XXXX saying one of 5 reasons in the letter were not met, but all were met, wrote a letter stating the same. Received letter XX/XX/XXXX saying they are researching. Received letter XX/XX/XXXX saying that during the period in question only {$130.00} had been charged. I called XX/XX/XXXX, talked with " XXXX '', after researching the situation she said she agreed with me and the Comenity Bank does owe me {$100.00}. She said she will talk with her supervisor and straighten the matter out. It is now XX/XX/XXXX and has become obvious Comenity Bank willnot cover their obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law.
Product: Debt collection

Capital Management Services , LP has a case of FRAUD. Stealing my information and reporting it on my credit report. I ask they delete this immediately. During a pandemic I have had my personal information jeopardized. Please have them delete all false and fraudulent claims off of my credit report.
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. 
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, 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.
Product: Debt collection

I disputed multiple times with the original debtor and then the debt collector capio partners. I disputed withthe bureaus and when they would not send proof to me or them I know it has to bew because they have none. I have had health insurance my entire life. Capio can't send proof even when asked to produce it they just generically reply back " debt verified '' They may honestly think the debt is valid but they should have to prove it. I have always had medical insurance since the day I was born so obviously not mine again. After no results through multiple disputes w/ all bureaus, All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. 

Please help me and please tell me my rights, and what I am entitled to do. How to retaliate and get this corrected. 

I would also like to take some sort of action against them as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers! 
Someone told me something about the Burden of Proof in the Fair Credit reporting act years ago, when I had a similar problem. This happens all too often. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. 

One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine! 

How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! 

Sorry for the long message, so many questions, and all the scenarios. please call me with any questions or answers to all of my inquiries
Product: Mortgage

Due to covid 19 I was granted a mortgage forbearance with Wells Fargo Bank. When I asked and was approved for a mortgage forbearance I received a letter from Wells Fargo stating that my mortgage would be increased due to an escrow shortage. Although I paid my mortgage my mortgage was still increased. I called Wells Fargo and have been told several opposite versions of why the increase happened. As of now, my mortgage has increased and Wells Fargo is unwilling to fix the issue.