23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/19, I called Veterans United to inquire about rates and cost associated with an IRRL on my current VA loan. I received an email wanting me to create an account and e-sign documents. I DID NOT ask for a loan, only information. I believe this to be a deceptive tactic. Below is the item I received in the email. Not once did I tell the person I wanted to begin the loan process, I only wanted rates and costs. XXXX, the representative listed, called me to explain that it was not a loan, but it clearly looks like that is exactly what it is. 


Veterans United Home Loans sent you a document to review and sign. 
REVIEW DOCUMENT Veterans United Home Loans XXXX XXXX, A set of home loan documents is waiting for your eSignatures within your Veterans United account. The documents have been secured in order to protect your personal information. To access your documents click the button labeled 'Review Document ' above. If you have not already set up a username and password for your Veterans United account, you will be prompted to do so. After logging into your Veterans United account, you will see a task to Sign your home loan documents on your To-Do Checklist. Follow the instructions to Sign them electronically. 

Your eSignatures must be completed in order to move forward in the home loan process. If you see any inaccuracies, please contact a member of your loan team before you continue moving forward. You will see corrections appear on future disclosures. 

IMPORTANT NOTE : If no action is taken electronically within 3 days, we are required to send a hard copy via mail. You can still proceed by signing your documents electronically in your Veterans United account after receiving this physical copy. 

Sincerely, XXXX XXXX Residential Mortgage Loan Officer NMLS XXXX XXXX XXXX XXXX Veterans United Home Loans XXXX XXXX XXXX XXXX XXXX , MO XXXX. Mortgage Research Center , LLC. NMLS # XXXX ( XXXX XXXX XXXX ) Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
Product: Money transfer, virtual currency, or money service

Summary : - Crimes Committed by Scammers : Extortion, Impersonating cop, XXXX XXXX. 
- On XX/XX/22 at XXXX XXXX I received phone calls from people who were impersonating XXXX and XXXX. They threatened to arrest me for money laundering unless I paid them money. I was extorted for a total of {$17000.00} They spoofed their phone numbers to be part of the NYPD and ice.gov ( XXXX, XXXX ) and accused me of money laundering with an account associated with XXXX XXXX  in Minnesota. I initially hung up on the person claiming to be from XXXX but hXXXX instantly called me back and aggressively asked me why saying it was an urgent matter. Immediately right after, someone from the XXXX called me about the same issue, and that's when I started to doubt and worry about my situation. 

They said they would issue an arrest warrant if I didnt comply with their investigation and send them money ( a bond amount ). They constantly switched between calls. 
The person claiming to be from XXXX stated his name was XXXX XXXX. He made me read forms on ice.gov and said I could not tell anyone about the investigation. 

They sent various emails from XXXX to prove the legitimacy of their claims. They made me screen share my bank transactions on my phone, send them a picture of my driver 's license ( front only ), asked for people to refer to, and send them money through various mobile apps ( XXXX, XXXX Zelle, XXXX XXXX XXXXXXXX Zelle ) and through a wire transfer from XXXX XXXX XXXX. 

I sent them : {$9500.00} via wire transfer from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} from XXXX {$2000.00} from XXXX Zelle {$2500.00} from XXXX XXXX  XXXX Zelle {$950.00} froXXXX XXXX XXXX XXXX Zelle XXXX, in total, I sent : {$17000.00} on XX/XX/22 After my payments, he sent an email with a photo of a check, saying it was a refund for the bond and XXXX fees. 
I asked if we were done and If I was safe from jail. He said I was innocent. He told me what I need to do now that I was clear. No social media, no telling anyone for 24 hours. They told me to update them on what I am doing every hour. Unless I was sleeping, then I need to say I am sleeping. He said the next day the cops will come and look at my documents. 

I already filed claims to all platforms from which I sent money. XXXX was able to refund me, but XXXX Zelle denied my claim, so I wont be receiving my {$2000.00} back. As foXXXX XXXX XXXX XXXX XXXX Zelle and Wire transfer claims, they are still being processed.
Product: Debt collection

A XX/XX/XXXX debt from XXXX was discharged in bankruptcy XX/XX/XXXX. However, in XX/XX/XXXX and XX/XX/XXXX two accounts that were discharged with the original creditor XXXX, was sold to I C SYSTEM COLLECTION AGENCY. I C SYSTEM are reporting wrong dates on my credit reports for these debts as well as continuing to collect on these debts that I do not owe.
Product: Debt collection

A couple of months ago I noticed that I had a negative collection item on my credit report in the amount of {$560.00}. I formally disputed this item through XXXX and requested proof of debt in writing to the reporting collection agency. 

After thoroughly reviewing the information today I realize that this was not a valid debt. I immediately contacted Collection Bureau of America ( XXXX ) and spoke to a collector who informed me that this bill was for sparkle its water. I explained to her that I have never had sparkle water and that this was not my debt. I also told her the address that she claims the water was being delivered to was a rental property of mine and was not my personal residence at the time. I made a request for proof of debt and was told essentially there was none. She then proceeded to tell me that proof of debt was not needed for this to be a valid debt and that this negative mark will remain on my personal credit. 

This is a direct violation of the FDCPA and hoping that you can help get this resolved.
Product: Debt collection

Dear JEFFERSON CAPITAL SYSTEMS, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been in Chapter XXXX twice in order to save my house. I 'm at a loss of what to do.
Product: Checking or savings account

Bank never stop overdraft, until amount of {$800.00} and also opening another checkings account without my authorization
Product: Debt collection

In XXXX of XXXX I sent national credit systems a letter to validate a debt that was placed by them on my credit report. I did not receive a response back until XX/XX/XXXX, which was basically a discounted offer. I replied back in XXXX that they failed to validate this alleged debt that I do not owe. In XXXX they sent me another statement that is absolutely inaccurate, The " rental agreement '' they sent shows I moved out on XX/XX/XXXX. However they are trying to charge me rent from XXXX. I did not live there at that time and my balance was cleared to a XXXX the date I did my final walk-thru with the agent there at the time, Also Ive included the rental agreement they sent, on page XXXX I've highlighted where they CLEARLY ALTERED this document. You can see they whited out the area and typed in XXXX. 

This debt is not owed by me.
Product: Money transfer, virtual currency, or money service

Hi I had a problem with freedom debt relief I been calling them a lot each keep saying we gon na call you back but never call back this is the problem they made settlement for me for credit card and than I give them money but they doesn't pay four payments to my credit card and than I received a letter from my credit card said need another settlement because you missed 4 payments i said its not my fault its freedom debt relief fault they took my money from the bank they doesn't pay the four payments
Product: Checking or savings account

Dispute #. XXXX hello, My dispute case number is XXXX look like XXXX, why XXXX is denied? I have money in XXXX, please help me, thank you my account is : XXXX I use chime debit card fees in XXXX and I have been using XXXX. I downloaded XXXX XXXX, an app that uses TV and modification techniques to trick toys. I tried to ask them for a refund and they agreed, but I never received it. XXXX said to refund the XXXX, now that I have not received the money, the XXXX account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, at XXXX CST, I received a call from Greenberg Grant & Richards as a debt collection call from XXXX XXXX. I told the lady that the issue was still in dispute due to a back and forth blame game between XXXX and the XXXX of XXXX for extraneous fees ( over doubling the amount claimed due ). From that point, she started guilt tripping and brow-beating in the conversation trying to tell me I was in the wrong, and I have to pay immediately. She repeated the statement " you don't seem like the type that likes to be wrong, but ... '' 3 times and started raising her voice to almost a yell each time. I've dealt with debt collectors in the past, but I've never experienced one like this. After I made my counter offer for them to take to XXXX, she stated she wouldn't do it due it " not being a good offer ''. She proceeded to guilt trip again, and then hung up on me. I called back to get the company name, she tried it all again, and then hung up on me again. I've heard more conversational etiquette out of a child than her.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- Account name : XXXX XXXX XXXX XXXX XXXXXXXX, - Account : XXXXXXXX XXXX XXXX  : XXXX, - Account : XXXX XXXX XXXX XXXX XXXX, - Account : XXXX XXXX XXXX XXXX : XXXX - Account : XXXXXXXX XXXX # : XXXX - Account : XXXX XXXX XXXX XXXX XXXX - Public record : Chapter XXXX bankruptcy XXXX date filed XX/XX/XXXX reference # : XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 US 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that tem of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX  is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Product: Consumer Loan

I purchased a computer bundle and a XXXX inch TV back in 2014. The salesman sold me insurance in case if the items I purchased broke. My TV 's screen broke. I called Conn 's, they sent someone to check the TV. It could not be fixed. Through XXXX, I was able to work things through. I was told to go the store here in XXXX to get my TV. When I went to the store, I was told the TV was discontinued and could not get it anywhere else. They told me I had a little over XXXX to get a TV. As I looked for something that would be acceptable, the salesmen where trying to convince me to buy something bigger. I picked a TV that was less than was given. The difference in price which I expected to be applied back to the account, the manager denied. 

I waited to get the TV, The TV they brought was not in a box and rapped in plastic paper. " for protection '' I asked him what was that, he said it was the TV I picked. I was informed that TV was also discontinued and that was the TV on the floor. I told him I was not going to take that TV home and left. 

Through many calls to XXXX, I decided to get the replacement TV. A different salesman helped me. I picked one and went to get the paperwork done. I was informed by the salesman that in order for the TV to work I needed a special cable which cost quite of bit but they had this package which included the cable and the mounting kit to put the TV on the wall. I said ok. 

AS THE SALESMAN WAS DOING THE PAPERWORK, I TRIED TO PAY IN CASH FOR THE MOUNTING KIT AND HE SAID HE COULD NOT TAKE THE MONEY. NOT ONCE HE SAID IT WAS A NEW ACCOUNT. AT THAT TIME HE INFORMED ME EXTRA CHARGES AS ADDED TO THE ACCOUNT WHICH INCLUDED INSURANCE FOR THE DURATION OF THE LIFE OF THE ACCOUNT IN CASE THE ITEMS WERE STOLEN AND OTHER CHARGES. HE SAID IF I HAD HOME OWNER 'S INSURANCE, I WOULD BRING IT TO THE STORE AND THE EXTRA CHARGES WOULD BE TAKEN OUT. I TOLD HIM WAS NOT AWARE THEY DID THAT. HE INFORMED ME IT IS ALWAYS DONE. 

I HAVE HAD MANY ACCOUNTS IN THE PAST 12 YEARS AND NOT ONCE I WAS INFORMED OF THESE CHARGES. I HAVE HAD HOME OWNER 'S INSURANCE FOR 15 YEARS. 

TODAY, I CALLED CONN 'S BECAUSE I WANTED TO REDUCE THE MONTHLY PAYMENT. I WAS INFORMED I COULD NOT REFINANCE BECAUSE MY ACCOUNT IS NEW. IT WAS MY DECISION TO INCREASE THE PAYMENT TO {$200.00}. IT WAS NOT THE AGREED AMOUNT WHEN I WENT TO CONN 'S. I DID NOT AUTHORIZED THE SALESMAN FOR A NEW ACCOUNT. I WENT TO PICK MY REPLACEMENT TV. 

CONN 'S STORE IN XXXX XXXX STOLE FROM ME BY WITHHOLDING INFORMATION THAT WOULD DECREASED MY DEBT. I HAVE SPENT COUNTLESS HOURS TRYING TO GET ANYONE TO SOLVE ALL THE ISSUES WITHOUT SUCCESS.
Product: Student loan

I back in XXXX applied for FASFA to get money to go to XXXX school, the school was XXXX. I believe the loan amount was like XXXX. I had to file a second FASFA which I believe was another XXXX. When I graduated or left XXXX, I had no clue how to pay back but started to receive paperwork from Navient. I for a year was paying the minimum amount back and when my husband and I filed takes XXXX our money was taken for the debt like XXXX. The following year they did it again and my husband had to file a grievance, and he got his portion back. Since then, I haven't received anything from Navient or any other collector. I have no clue who controls the debt, but it's been years. I wanted to file for forgiveness but have no account number or details.
Product: Bank account or service

My husband, XXXX XXXX XXXX, recently passed away. He has a checking account with Wells Fargo bank. In 2013 my name was also on the account and for personal reasons we decided to take my name off from the account. I went with my husband to the bank to do this. My husband requested that I remain on the account as beneficiary only. When I went in with the Cert. of Death and all necessary paperwork ( even marriage cert. ) to close his account I was informed that my husband had no beneficiary listed on his account. Clearly this was an error made by the person who handled taking my name of from the account in 2013. They neglected to list me as a beneficiary. I was told I would have to go through probate to claim the account. There is only $ XXXX.- {$60.00} remaining in the account. Probate would likely cost me more than that. Although, to many that is n't much money, I am alone in Florida with no money right now. It is important to me. My husband had been XXXX and unable to work for about a year and I cared for him. I am eating with an EBT card and only receive $ XXXX./ month Social Security. Unfortunately, in the absence of my deceased husband, there is no authority at the bank to correct the error made in 2013.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports. 
2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA.

3. Violation of FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

4. Violation of FCRA 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de 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 XXXX XXXX XXXX
Product: Mortgage

They surprised me with a closing cost immediately after a closing disclosure showing no closing costs and then they totally abandoned me and won't contact me back to say where to pay it this surprise charge to.
Product: Mortgage

Hello CFPB, My complaint regards extra payment not being applied to reducing principal balance. 

My regular payment is {$480.00} monthly. On XX/XX/XXXX, I paid {$1100.00} ; XX/XX/XXXX, {$800.00}. The extra amounts went to a category called " Suspense. '' Why? I don't know. Before all extra payment applied to reducing principal balance. 

I don't want to call every month requesting the extra amount be applied properly. On XX/XX/XXXX, the company said the problem would be fixed, but it occurred again on XX/XX/XXXX. 

Again, I don't want to have to call endlessly to have this problem corrected. 

Thanks for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised this is my 3rd official complaint against XXXXToday XX/XX/2022 I received a letter from Equifax which confirmed that every complaint was Accurate and that every negative item on my consumer credit report must be deleted and removed. Every late payment must be removed and everything item shown as closed must be reported paid in full or deleted. Equifax letter states They received my request regarding my consumer report and they are unable to locate a credit file for me for one of the following reasons : 1. I have not applied for credit recently 2. I have not actively used credit in the past 10 years 3. I have not lived in the United States or have not been issued a U.S. Social Security Number. 
However when I called Equifax today XX/XX/2022 to confirm that the accounts were indeed non-existent, they said that the accounts were still reporting on my consumer profile. ( didnt they just say I didnt have an account? ) This letter I Received From Equifax is Enough Evidence that Equifax have indeed violated 15 U.S.C 1681 section 602 which state I have the right to privacy. & 1681 Section 604 A Section 2. It also states the consumer can not furnish an account without my written instruction. 15 U.S. Code 1681c-1-Identity Theft prevention, Fraud alerts which they clearly disregarded. I have provided police reports, identity theft reports and they simply ignore all my requests to delete the items. 

CFPB claims that you take action to halt illegal debt collection practices CFPB claims to enforce and take actions against predatory companies & practices That violate the Law and returned billions of dollars to harmed consumers.

CFPB claims to root out deceptive or abusive acts or practices by writing rules, supervising and enforcing the Laws and monitor financial markets.

CFPB will you enforce the Laws on my behalf and Halt illegal debt collection practices and make Equifax, XXXX and XXXX pay for the damages they have done to my consumer report and my life and for breaking the laws?