23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

WARNING. Compliance of HIPAA LAW VIOLATIONS. Medical Revenue Service. Violated my medical confidentiality by mailing a copy of my medical treatments through the US postal service dated XX/XX/31. MRS also Sent my medical treatments electronically 4 times through cfpb attachments. These both are HIPAA violations. I will send a complaint to HIPAA. These accounts must be deleted from my credit reports immediately.
Product: Debt collection

XXXX XXXX did not delete my information in a timely manner thus causing the amount of {$3700.00} to be added to my student bill. I withdrew from the school and did not go another semester.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681b ( e ) ( 6 ) Your Company is in VIOLATION of 15 USC 1681b ( e ) ( 6 ). ALL CRA 's must maintain a joint notification system. I do so believe that this subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. This account and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY. 

Account : XXXX XXXX Account Number : XXXX
Product: Debt collection

I have an overdue payment with Hyundai Motor Finance ( payment due XX/XX/ ). The collections department from this company has called my cellphone to attempt to collect the debt XXXX times today ( XXXX XXXX. 

Call timestamps are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are coming from the phone number XXXX and appearing on caller ID as Hyundai Capital. 

I returned their call, at the number they have been calling me from, and attempted to request that they cease and desist because they are in direct violation of my rights as a consumer under the Fair Debt Collection Practices Act. Whomever answered my return call refused to transfer my call to the appropriate manager until I furnished either my account number or complete social security number so they could access my records ; however, the automated system that answered my return call had already identified me by the phone number I was calling from, and verified my identity by requesting an input of the last XXXX digits of my SSN, which I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual free credit report from Equifax earlyXX/XX/XXXX. I received a letter stating that they needed identification data to process the request, dated XX/XX/XXXX. I sent the documents with the letter to the company - should have been received by mid XX/XX/XXXX. I called the company on XX/XX/XXXX to follow up. They had no record of my documentation. They could not even contact the mail room to ensure my documents were received. At this point I believe my documents are being processed erroneously. I did get a fax number for the company and faxed the documentation with a cover letter that day. I waited until XX/XX/XXXX to follow up with Equifax ( as I was told it would take 48 hours ). That was false. I was on the phone with XXXX and XXXX ( a supervisor ) and was told that the 48 hours was only how long it would be to upload the documents. Equifax still does not have record of my documentation. XX/XX/XXXX. I received an email stating " Equifax has completed your dispute for Confirmation Number XXXX. '' This is actually false as well. They updated my file stating I have a dispute but that is all. I was not able to upload my documentation to the web email to Equifax. This is yet another failure on the part of Equifax. I called Equifax, ( XXXX  and XXXX  ) and got a secondary fax number and sent my documents for a 3rd and 4th time today, XX/XX/XXXX. This entire process is unacceptable on the part of Equifax.
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX was placed within my TransUnion credit file. Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now.
Product: Debt collection

In the summer of 2017, I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX, NH XXXX and received 2 XXXX  with service. The amount that I was told was not true and after going into the store I talked to the manager and they apologized and ended service/account and said that they would cover the month of service. I have had debt collectors call me and I always have to call XXXX and sit on hold for a few hours fixing it. I still get letters for debt collection and it is now going against my credit. I have talked to managers numerous times and they always claim to " fix '' it but I have no proof. I have asked for written verification numerous times and I never received it after sitting on the phone/hold for hours.I returned the equipment and am being charged for the month of service. I have been told that it was an internal error and that I am all set, yet I still get letters from debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a claim to Equifax to dispute some items. I called XX/XX/XXXX to request the remove disputed items and close the case as it was over 30 days. Today is XX/XX/XXXX, past 60 days and they still have the dispute open. They said it can be longer than 30days as they reached out, this is past law time period. They need to close the dispute and remove ALL items in dispute as its last 60 days and can not use any information gathered as its far past the due date. 
Dispute # XXXX
Product: Credit card or prepaid card

I purchased 5 flights through XXXX using both my personal ( XXXX ) and business ( XXXX ) PayPal accounts. I Cancelled all of the flights after Paypal chose to close both accounts ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal says the money isn't there. XXXX says the money has been refunded. However- XXXX has provided receipts of their return ( attached ). 
Paypal Transaction IDs : XXXX XXXX XXXX XXXX XXXX {$30000.00} Paid and no refund.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification please provide the certified mail and receipt with my signature on there stating that I received it. No 1099C form received.
Product: Debt collection

My husband, XXXX XXXX, has an account with XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. He had discontinued wifi service with them on XXXX. They've continued harrassing him with bills for continued wifi service which he did not have and for equipment ( router ) they wanted returned to them that he purchased from XXXX XXXX XXXX about 2 years ago ( they were claiming the router was leased which it was not, my husband purchased it ). He filed a complaint on XXXX with the XXXX  XXXX  XXXX of XXXX XXXX, GA against XXXX XXXX XXXX. The XXXX  contacted XXXX  on XXXX with his complaint. XXXX XXXX XXXX sent to my cell phone ( XXXX XXXX - XXXX ) a collection text message with the following message " please contact MRS Associates regarding an XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The text message was sent from a number as follows : ( XXXX ) XXXX. I do not have an account with XXXX, so this collection text message sent to my cell phone was very possibly for an account belonging to my husband, XXXX XXXX, and not me. I am nowhere listed on his account with XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 


As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Experian ) - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected. 

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal law.
Product: Credit card

In XXXX I was manipulated at a store in XXXX by an employee that lied to me about what the interest was on a credit card. I opened it and the employee told me they would mail the card, I could pay it off online and that would be that. They never mailed the card. Without the card allegedly I can't close the account, and I can't pay online. I mailed my payments in on time all the time, but starting in XXXX they started saying they were not getting the checks or that they were late. I know that I am mailing them in on time, I just want to close the account. I feel they are not letting me pay online because then they can always charge me the late fee. They now call me at all hours of the day, for my last payment I just included the late fee because I know how they operate. 

I am the sole provider for my family and I do not have the money to keep paying them what I am. I have told them on multiple occasions I am having problems with my phone and that is why our calls keep getting cut off but despite that they keep throwing me around. I have asked them to mail a card, I have asked them to change the spelling of my address because it is wrong, but they just want to keep taking money. 

They are ruining my XXXX XXXX by saying I am making late payments, which I am not making late payments they are waiting to cash the check. I know when I am mailing them. At this point i just want the account closed. I know that I opened the account at Commenity Bank in the XXXX Florida area and made XXXX and only XXXX charge of about XXXX give or take. 

Since that I have never used the card because I never got it in the mail. I have no ability to cancel it and I need help. At this point the interest is equal to double my original charge. I am not sure what my next steps should be. They are not very nice on the phone, and I just want to close the account, I see that at the bottom you have a place to attach documents I am not a rich person so I am not sure how to do that.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I have previously disputed ( Chapter XXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U.S $ 1681I ). And the information must be deleted immediately.
Product: Mortgage

The loan was initially bought/originated by XXXX, through an independent mortgage broker. When XXXX went out of business, the loan was acquired by XXXX  XXXX XXXX. Until a few months ago, XXXX  XXXX XXXX ( XXXX ) was servicing the loan. They recently sold the loan to " '' and now Select Portfolio Services ( SPS ) is servicing the loan. 

The first payment to SPS included an extra {$3000.00}, and using the stub from the XXXX statement, I specified that the extra {$3000.00} was to go towards paying down the principal on the loan. However, the money was instead used to prepay 2 or 3 months of future payments, with the remainder being applied to principal. I called SPS and the representative went ahead and reapplied the payment to principal. 

The second month, this time using SPS 's own statement, I paid an extra {$2000.00} towards principal and specified on SPS 's stub that the extra should be applied towards principal. Again, the extra was misapplied to prepay several months in advance, depriving us of the interest reduction we expect when paying extra towards principal. Again I call SPS and the representative said they would reapply the amounts towards principal as I originally requested. 

However, the representative on my 2nd call also mentioned that payment by mailing a check would ALWAYS be applied first toward prepaying future months ' regular payments before applying anything towards principal. And that is was is prompting this complaint. Not that the representative made that statement, but what that statement implies about SPS : they ignore the mortgagor 's stated allocation of extra payment amounts and apply it as SPS sees fit! 

I have already submitted the 3rd month 's payment since the switch to SPS. I'll likely learn how it was applied when I receive the 4th month 's statement in a couple weeks. But based upon the conversation above, I am expecting the same misapplication of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pennymac my home loan said that i put my mortgage on hold. on my credit report but that not true
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I have made multiple good faith attempts to pay this balance. Once in XXXX for a little over {$12000.00}. Sent via check that they never cashed nor was ever returned NSF. I had over $ XXXX in my checking account when I sent that check so the funds were good. That payment was sent in response to one of their regular monthly statements under what they categorized total amount to reinstate. The payment was sent well before the due date. 

If they would allow online payments after a person gets 60 days behind, this would not have been an issue. They cut off online payments so they can earn additional fees and late charges. 

Again I made a good faith effort to pay when I sent a bank wire on XX/XX/2023, per instructions from the Selene ( loan servicer ) representative, only to find days later that they returned the wire. No explanation. 

Here is the acknowledgement from my bank that the wire was sent. 

For account ending in XXXX : A Bank Wire disbursement from your account ending in XXXX to your bank was successfully completed on XX/XX/2023. Please remember that funds are made available based on your bank 's funds availability policy. If you have any questions or believe this is an error, please call XXXX. 

When I called back another representative agreed that she found the recording of the call where the previous agent gave me instructions to re-instate. She agreed that the wire was received on time, agreed that the amount was correct and the funds were deposited. She said unfortunately they did not process the payment because a reinstatement letter had not been sent so my payment was rejected. 

Now they want {$31000.00}. This includes {$230000.00} principal and interest which I am not disputing. They also want me to pay an additional {$8300.00} for fees incurred by them because of their loan servicing agent 's failure to accept payment. 

Following are details associated with this complaint : Borrower : XXXXXXXX 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 XXXXXXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF XXXX ACQUISITION TRUST Your Servicer is : SELENE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, Where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Debt collection

I want to refinance the property where I live from XXXX in XXXX XXXX & found out lien against me file by XXXX XXXX XXXX XXXX XXXX & recorded on house , which I owned in XXXX XXXX & never used for living. That company never provide to me any legal documents & information about that lien. 
When I call XXXX XXXX, I found out that he collect debts for XXXX XXXX, which I owned {$1000.00}. His Abstract of JUDGMENT, which he file on XXXX show amount {$3500.00} & his demand in Escrow show {$5500.00} plus additional interest for each next day. When I found out about this & call to Mr. XXXX to resolve that issue, he told me, because I need to do refinancing, he can charge me as much as he can. 
I did remember, XXXX XXXX  send me a letter, after entering into agreement with the US Consumer Financial Protection Bureau on XXXX, State Attorney General and the office of Controller of the Currency on XXXX. XXXX taking certain steps regarding my account and no longer try to collect money or file any judgment against me. 
I didn't understand why XXXX put lien on property, where I never live & brake a government rules.

Please, help me received relies on this judgment ASAP, because everything done for my refinancing except this issue. 
Sincerely,
Product: Checking or savings account

I applied for XXXX XXXXXXXX XXXX XXXX XXXX on XXXX, XXXX and finally on XX/XX/2023 and got denied on all occasions without any reason or explanation. They claimed they will mail out the reason, but they never do. When I contact them they never respond. Regardless of the reason for being denied. I have the right to credit. Withholding my access to securities is securities fraud. 

You are violating the equal credit opportunity act and consumer credit protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days I haven't received any investigation results, I was victim of identity theft and I filed a compliant with the FTC File # XXXX, I did not give authorization to following companies to review my report : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 


The above inquiries are unauthorized by me and are inaccurate.
Product: Debt collection

I got injured by a car accident and the person never paid my medical bill and he was supposed to paid because he hit my car so now the want to charge me the money and I can pay it now because I have an XXXX son and my financial situation is not the best because of that. Please remove it from my credit report because I am trying to buy a house for my child and the other persons are responsible for. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Checking or savings account

there is a checking/savings account under my social security number but different name ( XXXX XXXX ) . I applied to open account and Navy Federal said I already have a account.