23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several invalid and erroneous medical bills have been sent by the University of XXXX XXXX ( XXXX ) Hospital and XXXX XXXX XXXX to Transworld Systems , Inc a collection agency. The accounts are deemed inaccurate due to the fact that XXXX Hospital and XXXX XXXX XXXX have inaccurately billed for unknown services. Several requests have been made to both Transworld and XXXX for detailed cost information to support the various accounts in dispute. To date, I have only received back-up data for account # XXXX on XX/XX/XXXX and subsequently paid in full on XX/XX/XXXX [ see enclosure ]. This matter has been ongoing since XX/XX/XXXX. I have spent an enormous amount of time trying to resolve this issue with XXXX and Transworld. I have been going in circles with both companies as XXXX will not provide information or discuss the information as they state the records have been sent to collections. Transworld states they do not have any additional information and that I must contact XXXX to obtain copies of the records. This issue has negatively impacted my credit report and score. 

I have not received supporting information for any of items listed below. After disputing the various collections, items 1 through 4 were previously removed from my credit report ; however seem to have resurfaced. Considering the negative impact item 5 was having on my credit score, I went ahead and paid in full without ever receiving any back-up documentation. 

The records in question are highlighted in the attached credit report. 

1. XXXX XXXX in the amount of {$200.00} ; no supporting data 2. XXXX XXXX in the amount of {$200.00} ; duplicate charge 3. XXXX XXXX in the amount of {$200.00} ; duplicate charge 4. XXXX XXXX in the amount of {$520.00}. Paid XX/XX/XXXX 5. XXXX XXXX in the amount of {$920.00} ; no supporting data Paid XX/XX/XXXX
Product: Credit card or prepaid card

I opened a new Wells Fargo CC with promotional 0 % interest rate for 18 months. Part of the package I received was a check that could be used to do a balance transfer, which was also at the rate of 0 %, however, after using the check, Wells Fargo is charging me {$150.00} fee for making a balance transfer. While i was explained that they apparently charge a fee for balance transfers, that FEE was NOWHERE disclosed around the check that used. Had I known there was a FEE to transfer balance, I would have NEVER used that check. When I called the customer service, they told me the letters and verbiage that spells out the fee is in the same location where the check is and in the SAME letter size as the other stuff. This is a total LIE. Typical bait and switch practices. 
Please stay away from Well Fargo and watch out if you HAVE to go with them. 
Their UNFAIR business practices should be looked into.
Product: Debt collection

In the response from the XXXX stated that I offered to pay to the delete never did say that maybe you should listen to the recorded call, I asked did the company offer a pay to delete never did I offered to pay the debt or agree to the debt. Your company is providing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my credit monitoring company, XXXX XXXX, that there was a change on my credit report. I signed in to see what it was and I shocked and upset to see that Capital One reported a line of credit as a result of my son adding me as an authorized user on his account. I have had a credit card with Capital One approximately 18 years. I called Capital One regarding this and was told that they report authorized users to the credit bureau. I researched this online and found that yes Capital One is a company that reports this. Not all companies report authorized users to the credit bureaus. I was never informed /contacted regarding this and I feel that this is something they should be doing. My son added me as a way of thanking me for the support I have given him and encouragement helping him to improve his credit. He is coming out of bankruptcy, so his credit line is very low. 
He wanted me to use it for little things like treating myself to lunch. I personally have a high FICO score, almost perfect credit. I have read that being an authorized user on someone else 's card does not improve your credit, so why was this account reported on my account and what is the reason for doing it? This entry looks like I have added another line of credit and I didn't. As I think about how anyone can add a person as an authorized user without their consent, I feel that someone can have nefarious reasons to do it and possibly ruin someone's credit. I was unable to find out if my SSN was improperly used to report this to the credit bureaus. I was told perhaps my son provided it. I asked him and he said, " no ''. I resent being asked this when I was unable to get a definitive answer as to whether they used it. I was told they could not tell since they removed me from my son 's account. I feel that if my son has missed or late payments on his account, it could reflect negatively on my credit. As I stated, the entry on my report does not indicate authorized user it shows as a new credit line. This is a very dangerous practice by Capital One because they do not inform the account holder of the ramifications of adding an authorized user and more importantly they do not inform or ask permission from the person being added. This is a very bad practice and should be changed as this can be harmful and I'm waiting for my next FICO score update to see if this has impacted it. If my score goes down even by 1 point, I will be seeking legal assistance to discuss the matter. I am thinking of the many ways this practice may be used to benefit Capital One and I am very upset as I don't trust credit card companies or banks, due to all the underhanded practices they have taken advantage of unsuspecting consumers. What has happened is very deceptive and should be looked at.
Product: Mortgage

On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX  now due.
The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.
Product: Vehicle loan or lease

I was told at time of purchase that bc interest rates were so high I could refinance after six months. Ive tried to refinance w multiple companies despite having a good credit score due to age of vehicle and high interest Im paying nobody will refinance my vehicle. I tried to make two payments a month w the second payment going solely to principal and although I have an email from Westlake financial stating after the monthly payment due every month is paid anything paid after that would in fact go to principal, I called today to make principal payment of {$500.00} and they said it would be split up amongst interest and principal. They have made me trapped in this loan w no way out other than paying double for my vehicle. Im trying to pay it off early, I cant trade it in or get out from under the high interest. They have screwed me financially even though Im trying to do my best. Westlake Financial is the company.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a car from Vroom Automotive , XXXX, received financing from XXXX XXXX, once purchase was complete, Vroom never gave me the title to the car. Request were made continuously only to get the run around. I received Paid in full documentation and release of lien from XXXX XXXX. Since Vroom never presented me with the title they are now assuming the creditor position fraudulently and intentionally to Harm my property. They additionally assigned presumed obligation of debt to a United Auto Credit Company which is also fraudulently inflicting harm to my property claiming they are in legal standing because the alleged debt was assigned to them. Very important fact and truth is UAC and Vroom are umbrellaed together and most obviously commit this form of commerce on a regular basis.
Product: Mortgage

I requested notice of who my mortgage servicer is and was told CrossCountry Mortgage by my mortgage company. I received a call from XXXX XXXX mortgage service and they were claiming to be my mortgage servicer. My CrossCountry Mortgage did not specify that XXXX XXXX would be my servicer and did not give contact information for XXXX XXXX. I called the VA, and they verified that my mortgage servicer is XXXX XXXX. CrossCountry Mortgage refuses to provide correct contact information for payment and complaints for my mortgage servicer, which has resulted in a late payment. I believe these actions violate federal predioty lending laws and I request relief.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Checking or savings account

Hi Im having problems with capital one bank so I had an issue with an charge that was charged to my account and captain one send me a refund and then at the same time they withdraw the money from my account that made my account negative balance and they want me to pay a balance that they made my account negative and they still keep calling me and harassing me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX  XXXX, TX XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name. 

XXXX. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

XXXX. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card XXXX 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have federal student loans owned by the US Dept of Education and managed by FedLoan Servicing. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, FedLoan marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX  points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted FedLoan and disputed the false reporting of delinquency given the CARES act. FedLoan responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. FedLoan misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, FedLoan 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). 

I contacted FedLoan and requested that the false reporting of delinquency be immediately corrected. FedLoan refused. FedLoan stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from FedLoan addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect FedLoan issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XXXX XXXX XXXX From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XXXX XXXX XXXX Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.
Product: Mortgage

I started the process of refining my 30 year mortgage into a 15 year fixed on XX/XX/2016. I understand I am self-employed and a jumbo loan so as originally stated it would be rushed to close in the normal 45 day timeline but the lender felts they could make this happen. Since then I have been asked for at least XXXX different items from my CPA. I did sign docs on XXXX/XXXX/16. They took my escrow payment. A few days later I was told I had to sign new docs but was not given a reason. An hour before the XXXX signing appointment I was told they had to start the whole process over and they found a new investor but it would be XXXX weeks tops. Here it is XX/XX/2016 and I still have not had my refi completed and they keep asking me to get more data from my CPA. I feel like they do n't believe a female self-employed single person could make the money I do. ( My partner passed away XX/XX/2016 ) and I feel discriminated against. They refuse to tell me why the first loan was not funded and will not answer me on why it is taking months to close, I have more cash in savings then the loan, I have over an XXXX credit score and I make a very high income. I would like the XX/XX/2016 loan to be funded and have the loan adjusted for the lower rate for all these months.
Product: Debt collection

I was in a XXXX in XXXX of 2012. During my whole ordeal I was told multiple time by Hospital financial counselors not to mention the fact that I had active medical Insurance. Since it was a car accident the insurance companies for the parties involved would cover the cost. In the mean time I was out of work for two months so I hired a lawyer, I received multiple bills at self-pay rates from the hospitals, doctors, ambulance company and once it was all said and done the parties involved ended up not having any type of insurance. At that point my Medical insurance ended up paying a lump sum to all the companies involved and I never received any further noticed of late payments, attempts to collect, or notices of accounts being turned to collections from XXXX XXXX. Now I have a very expensive collection on my credit report due to their lack of communication.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6600.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Vehicle loan or lease

I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time. 

In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines. 

The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX  XXXX  XXXX  '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 


XXXXXXXX XXXX  Original Creditor : XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$0.00}
Product: Bank account or service

It XXXX, Citizens Bank charged me {$1900.00} in overdraft and returned item fees. I applied for overdraft protection and was denied. I accrued {$70.00} more in fees in the first month of XXXX and therefore closed my account. While I feel that Citizen Bank 's methods for processing payments, and their terms in general, are unscrupulous -- that is not my primary issue. My issue is that the bank has been harassing me for the past year, alleging that I " owe '' them hundreds of dollars. Any money that I " owe '' them is not from authorized purchases or debits from my account, it 's more bank fees that they have charged me -- and I have no intention of giving them any more of my money. Not to mention, I think their methods for collection ( calling 2x a day for months ) borders on harassment.