23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I was put into a loan modification program which I completed. I made my 3 trial payments on time starting XX/XX/XXXX and completed it XX/XX/XXXX. Was notified I will be given a letter of my monthly payment, but was told it over the phone. Since that time I have been making my monthly payment with no problem and haven't missed a payment. They turned my file over to there law firm anyway and in XX/XX/XXXX sent me a letter stating that my loan modification was denied and they wouldn't speak to me. I contact the law firm that was associated with the bank and they refuse to speak with me which resulted in me paying more money to hire an attorney. The attorney stated as long as they are taking your money out the bank don't worry about it. 
This is predatory lending because they are keeping me in limbo messing up my credit, my bank account and loan. Now since I said this needs to be resolved and if not I will file a complaint they stop accepting my checks and is trying to take my house. 
They have financially cause me a lot of problem and I need this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor.

Dispute the validity of the debt within 30 days of receiving the notice.

Request verification of the debt before any further collection efforts are made.

If the collection account on my credit report does not meet these criteria, it must be removed immediately.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 
A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint about a medical collection for {$1400.00} from the collection agency XXXX XXXX XXXX. I believe that their collection practices are in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and I am seeking your assistance in resolving this matter. 

The collection agency has been disclosing my medical information to unauthorized third parties, including family members and neighbors, which is a clear violation of my privacy rights under HIPAA. They have also been harassing me with multiple calls a day, including on weekends and holidays, which has caused significant stress and anxiety. 

I am concerned that they may be in violation of HIPAA. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX.
Product: Vehicle loan or lease

I was told by XXXX XXXX that the loan was denied the loan was denied after being approved and upon signing off on the loan, they backed out because they said I my job wasn't properly described in the loan application. I said I was a truck driver that delived/repaired appliances. I drive a XXXX XXXX  to deliver these appliances and it is rated under the XXXX as such. This has actually happened twice with XXXX and Vystar bank. The first time was a few months prior with a business loan. I did not file my taxes due to us waiting on the tax preparer to schedule us in. XXXX XXXX advised us to enter our tax information into XXXX XXXX  so that the underwriter could see our tax info. After doing this we were denied because it was off. We told XXXX XXXX that we do not prepare taxes but we did this because our business needed the funds to start our build out of the ice cream shop. We were denied and it made us look like we did fraudulent activity. This is not right. My wife had totalled our car and we have NEVER MISSED ANY PAYMENTS. We needed a car to take back and forth to hospital visits because we were renting a car every week.
Product: Credit reporting or other personal consumer reports

According to the FCRA, if an original creditor charges off or sells an account, a balance should not be reported.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

We were told by Capital one that they were closing our accounts due to not being able to verify address. We were never sent any heads up. We sent in all paperwork and asked what we could do. They said it was already closed. This is a business account with nearly $ XXXX. It has been XXXX weeks and they have no information on our money. We have not been able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX We had one person quit and have no way of continuing business. WE NEED HELP before we go out of business. We have been calling Capital One multiple times a day and they have no other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use a company call   XXXX   XXXX   for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.
Product: Mortgage

Refinance with Flagstar Bank local loan officer XXXX XXXX, XXXX. 
In XX/XX/XXXX, I submitted paperwork for biweekly mortgage payments with Flagstar and was approved. 
I called to check that biweekly indeed was starting and told 'all was well, ' Flagstar continued to take out both monthly full payments and biweekly payments thru XX/XX/XXXX. In XXXX they ceased biweekly, deducted monthly and never contacted me. In XXXX I noticed something amiss and when I asked they simply resubmitted biweekly payment requests. After unraveling the mistake I asked that the extra payments be applied towards principle in the months corresponding such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Although they did eventually apply money to principle I have no actual accounting proof of how it was applied. I only see 'reversed ' on the online bank statements. I have reached out multiple times to my local loan officer and have had one missed call in late XXXX from Flagstar ( before reversal. ) I have no private correspondence within the secure online account and no one will give me the name of a higher level supervisor within the accounting department. 
I simply want the interest deduction that would have been due to me had those extra payments been applied to principle when they were deducted in the early months of the year XXXX.
Product: Credit card

I believe this account is invalid. BANK OF AMERICA ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. BANK OF AMERICA XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union I spoke with them about my credit score. The score they are reporting is much less than the credit bureaus and it does not change. Which they use to determine my credit limit. This is unfair and wrong.
Product: Student loan

I do n't know the dates it was back in XX/XX/XXXX, XX/XX/XXXX... im not sure of the amount it sseems to keep changing. I had a job they were taking money out twice a week.. the amount never went down there 's no way im ever going to get this repaid i ca n't pay them and they want half the amount but did n't send any information. I need this to stop im not working yet my credit score keeps going down so i cant get a car, a house or anything i need and i ca n't go back to school they say until its all paid off and i need to get back to school to finish.
Product: Debt collection

This is my 2nd attempt opening a complaint with CFPB ( XXXX : XXXX ) and it was closed. I have opened at least 6 disputes with XXXX and the latest ( XXXX ) was also closed. All my attempts to understand why I owe and how a debt from XX/XX/XXXX is hitting my credit gets closed without actual resolution. 

1st attempt closed from CFPB with justification : " This office does not report to the credit bureaus so no negative information has been sent by this office ''. 
The above quotation is not true. Which led me to open the below. 

6th attempt from XXXX ( XXXX ) was opened XX/XX/XXXX to report the contradiction made above. Now this is closed. 

This agency has reported to the credit bureau causing my credit score to drop at least XXXX. They have not provided any means or documents supporting their absurd allegation. Reference/Account # : XXXX XXXX documents are attached. 
" XXXX XXXX XXXX ( CFPB 1st ) '' " XXXX ( XXXX  XXXX ) ''
Product: Checking or savings account

Bankmobile Vibe is in control of my financial aid refund. I attended the University XXXX XXXX  - XXXX from XXXX  to XXXX  and this account student checking account was opened under another company at the time. I am a returning student and this account was still attached to me with old information. The account had been locked out and I have been struggling for months trying to get my account re-activated to be able to receive my financial aid refund. They have requested I sign paperwork stating that I am who I am, which required me to have the paperwork notaries. Which I last submitted on XX/XX/XXXX via email. I have called once a week to two times a week since then trying to make sure they have received my email, which they state they have. However, I need to wait for someone to review it. According to the Bankmobile Vibe, my request to be reviewed has been escalated and they will contact me about what is going on. I haven't received anything from them, not an email, mail, or phone call. Every time I call, I am told it is in the process of review but it's been a month now since I last submitted paperwork to them to gain access to my account again. University XXXX XXXX - XXXX will not provide me with a check for my aid and the only way I have access to this money is via Bankmobile Vibe who will not give me access to my account. I'm at a lost on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont want my file handled by the specialized fraud team anymore!!!! Its takes to long to get to That department and it stops be from managing my report online!!! 

All I need to do is change the phone number on my consumer statement from XXXX to my new phone number XXXX. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a phone call from Wells Fargo XXXX XXXX XXXX XXXX phone record - XXXX  XXXX ) stating my account had unauthorized charges in XXXX XXXX XXXX, Utah. WF was wanting to see if these charges were made by me. I had informed them that the charges were fraudulent and to please decline them. After doing so they were able to see on my account that during the duration of XXXX I had received 3 new cards due to fraud. WF let me know I had the ability to obtain more security on my account, they then transferred the call to another representee that informed me that my account information was Linked to a " XXXX 's XXXX '' and asked me to change my XXXX id password. During this phone call the details of my account were being changed without my knowledge ( see attached screenshots of emails sent without notifications ) Including Increasing my daily spending limit and unauthorized money transfers. During the duration of this phone call, I never provided WF with a username, Password, Account or routing number. I was instructed to put money in my XXXX wallet XXXX. XXXX something cents - The total of this amount was beyond what I had in both of my checking accounts combined. After I did so the call with WF was disconnected. I then Immediately called the number on the back of my card to ask if I still had money in my account in which they informed me there was a {$6000.00} charge being processed on my checking account ( again more than I had available ) and a {$3000.00} Cash advance on My CC. I then disputed these charges immediately XXXX minutes after the incoming phone call took place. The following Saturday XX/XX/year> I went to my local branch to ensure the dispute was submitted and was told it was, the ladies at the local branch then directed me to put a stop payment on the charges in which I did on that day. On XX/XX/year> I submitted a fraud claim, 3 days later XX/XX/year> I was made aware that the payments were processed. I then received a response from WF stating the transactions were made by me, so I went to my local branch to submit a claim to the executive office also known as " the escalation team ''. Today is XX/XX/year> this morning was my 3rd time submitting my case for re-review with the escalation team. Not a single person has tried to call me to ask me about the events that had taken place. Today when I got my 3rd denial letter I called and spoke to a woman named XXXX  I asked her several questions none of which she had answers to, those questions being " if I never provided WF with any of my account information how did they know exactly how much money they could take out of my account '' and " how were they able to change my account settings and up my daily limits without my knowledge or permission ''. XXXX then informed me she would be submitting my case for re review once again. Wells Fargo failed to protect me and is taking XXXX accountability for the matter. I am XXXX XXXX XXXX I worked hard for my savings, and I am completely devastated by my financial freedom being taken away from me by a large corporation that refuses to make this right.
Product: Checking or savings account

On XX/XX/2023, I discovered that my XXXX accounts ( in the amounts of {$78000.00} ) were sold to Citizens Bank. I enrolled after verifying my identity and accessed my accounts, which were dormant and therefore required that I contact them directly. Since XXXX was nation-wide, and Citizens Bank is only on the east coast , I did not have any accessible way of going into a branch and quickly withdrawing my funds and closing the account. I spoke with XXXX, who advised that I transfer the Savings account funds into the Checkings account in order to quickly close the account on XXXX  morning, XX/XX/2023. 

This morning, I called in and proceeded to instruct an agent whose name I do not recall, who told me XXXX had misinformed me and indicated that I would have to transfer the funds out of the account and get the account to a {$0.00} balance before they could close the account. I disconnected the call and called another agent, named XXXX. XXXX echoed the same new instructions. 

I proceeded to initiate a wire transfer to a merchant with whom I have already signed a contract with to sell me a concerted campervan in the amount of {$130000.00}. I inputted this merchant, XXXX XXXX XXXX XXXX  and the routing/account number associated with their organization, and submitted the wire in the amount of {$25000.00} which is the daily limit at Citizens Bank XXXX 

At XXXX XXXX, I received an e-mail indicating the wire transfer was not successful. I proceeded to log back into the account to try again, but discovered that I was entirely locked out. 

I called their customer support number at ( XXXX ) XXXX and was transferred XXXX times until I got to fraud prevention department. I spoke with XXXX, who after a series of holds documenting the case, returned to the call to let me know that there was nothing they could do, asking me to fly from California to XXXX of their closest branches on the XXXX XXXX, at my own expense, dealing with the stresses and XXXX  of having to go through all this simply to access my own funds. I told him I wanted documentation as to how they could justify these actions, but he was not able to accommodate my request, nor give a proper reason why.