23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Transunion on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX  XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
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 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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


15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 


15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I make monthly payments to the same person to may my rent using the third party company XXXX through my bank account. One time in particular the payment that I sent to my Landlord went to another person and I did not recognize the mistake until nearly a few weeks later. 
I do not know the person that received the money I sent to my landlord. I selected the landlords name from the dropdown menu as I do overtime I send money. The name For my landlord is the only name that drops down because it is the only name that starts with that letter. 
A few weeks later when I was making another rental payment, I noticed an unknown name in all CAPITAL letters for the remaining amount I sent to my landlord. So I contacted XXXX, but because the payment was made from my account, I was instructed to contact my bank and handle the issue through them. I called my bank and explained to them the issue I had encountered and they began to look into it. Starting by giving me a conditional credit for the money missing. 
I then received a letter from my bank saying that because the person received the money I was to contact them. My claim was that I have been making the payments to the same person for months for the same total amount and asked why this did not look odd to them? It was a payment to complete the amount that I had consecutively sent monthly to my landlord. Citibank withdrew the conditional credit, making my account overdrawn and now states that I have to go after this person. I have no idea who the person is or why the name is on this payment. I have no idea who this person is, and when I type in the letters of their name it is foreign to my account, the name is not saved nor is it in the drop down menu for names to select. 
This seems to be a hacker and perhaps the money was intercepted, this is not my fault, and because I made this payment through the company which Citibank has provided, I believe it is their responsibility falls on Citibank and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX 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 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

According to my credit report, MIDLAND FUNDING LLC purports they have the right to collect {$1500.00} from me. They have been reporting this amount since 2017. 

After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Midland Funding regarding my name or an alleged account. 

This means Midland Funding, LLC has been verifying information illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. 

They need to be reminded that, according to the FDCPA, Debt validation includes the following : 1.Who was the original creditor on this account, and what was the account number? 

2.What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money. 

4.What was the original date of delinquency for this account? 

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 

6.What did you pay for this account, and how did you calculate the current amount owed?
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is against the guidelines under the FCRA.
Product: Vehicle loan or lease

I called capital one.They said the car was sold at an auction and that they was going to send me documents about the sell.It was sold and 2023.But I never received any information or documents about this sell.Also I did t get a XXXX form about the sell or if was wrote off as a taxes write off for the company.They said I own XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I demanded Equifax to investigate and verify 7 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquires immediately. 

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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue me.
Product: Mortgage

Company increased escrow due to allegedly not having the proper insurance. 
I, again, provided the XXXX XXXX XXXX insurance which included the policy and coverage. Uploaded on XX/XX/XXXX. 
FLOOD POLICY was also provided to them again. 

On XX/XX/XXXX, Freedom Mortgage sent this response : " The lender-placed flood insurance coverage we placed on the above-referenced property is cancelled effective XX/XX/XXXX for one of the reasons stated below : Adequate insurance coverage was provided. If this cancellation results in a lapse of coverage, you may be charged an additional premium. If there was no lapse in coverage, you will not be billed or the amount previously paid will be refunded to your account in full. '' On XX/XX/XXXX, Response from the company was I uploaded XXXX documents. 

" The received condo master insurance is for the term date XXXX. Hence, we request that you provide us with the updated insurance document for the term XXXX to update our records. You can fax it to our Insurance Department at XXXX or mail it to the following address : Freedom Mortgage Corporation ISAOA/ATIMA XXXX XXXX XXXX XXXXXXXX XXXX XXXX You may also update your coverage directly to XXXX. If you have any questions regarding our insurance requirements, please contact us at our Insurance Center at XXXX. '' However, I verified in the portal that the documents were, in fact, XXXX documents. 

XX/XX/XXXX, the company stated they would refund me the amount of {$2700.00} for LP FLOOD and CONDO H06 INSURANCE {$2200.00}. 

As of today, XX/XX/XXXX, Freedom Mortgage has not resolved the issue of charges and extra payments towards escrow for their insurance premium : " Payment Due Date XX/XX/XXXX Amount Due** {$1800.00} '' The previous amount is listed here on Statement Date : XX/XX/XXXX Current Payment Amount : {$1400.00} New Payment Amount : {$1800.00} New Payment Effective Date : XX/XX/XXXX Please note : this new amount of {$1800.00} was charged on XX/XX/XXXX. They did not provide adequate or accurate communication of the new rate.
Product: Debt collection

On XX/XX/2021 at XXXX, XXXX XXXX , a representative of XXXX County , spoke to my husband about my supposed debt. He served him with papers from Gurstel Law Firm. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.
Product: Student loan

I have tried to make payments towards my student loan through my servicer, Nelnet. The company is refusing to accept my payments and is continually charging interest to my account. On XX/XX/23 I attempted to make a payment for {$100.00} and they claim to have accepted the payment but they have not withdrawn the money from my bank account. I also tried to make a payment of {$230.00} on XX/XX/23 which they denied, and have since deleted from my transaction history. I am trying to make payments during school to offset the interest I am accruing but Nelnet is refusing.
Product: Student loan

On XX/XX/XXXX Navient forced me to put my XXXX private student loans into forbearance, 2nd time. When I called to ask what kind of options I had, as I was down on my luck, they told me the only option I had was to put my loans into forbearance. I would have to pay {$50.00} per loan ( XXXX loans makes {$100.00} ) and I only had 3 months. After those 3 months I could either begin paying again or I could continue in forbearance for another 3 months. I was only allowed to do this twice. After 6 months I would begin paying my loans again. During the time of forbearance I would continue to accrue interest. Navient added capitalized interest of {$870.00} on XX/XX/XXXX and {$880.00} on XX/XX/XXXX for a total of {$1700.00} + {$200.00} ( Money paid to put loans in forbearance ) = {$1900.00}. Before submitting my complaint I started to look over my account. Let 's take a step back to the beginning when I began paying my student loans, on XX/XX/XXXX, I find out XXXX XXXX at the time, on XX/XX/XXXX, {$7100.00} of capitalized interest was added onto my loan. And then another {$2200.00} of capitalized interest was added to my loan on XX/XX/XXXX, that 's an extra {$9300.00} added to my loan before I even get started. When I first began paying my student loans ( XXXX total ) my payments were well over {$500.00} with interest rates as high as 13.625 %. It 's hard to make student loan payments that high with a culinary arts degree from a college that is no longer open or relevant. Per their website XXXX XXXX XXXX, XXXX XXXX XXXX is no longer accepting applications as of XX/XX/XXXX. I 'm sure you guys are real familiar with both Navient and XXXX XXXX XXXX as they have both been in the media, and I 'm sure I 'm not the only XXXX submitting a complaint on either of these companies. 
Over the past 13 years I 've had a total of XXXX different loans with sallie mae and navient combined, with interest rates ranging from 2.770 % to 13.625 % and payments ranging from {$400.00} - {$600.00} a month with no repayment options because navient wo n't work with me. I currently have XXXX private loans left valued at a total of {$47.00}, XXXX at 7.5 % ( variable ) and my estimated payoff date is XX/XX/XXXX.
Product: Debt collection

Complaint Details 1. Misleading Debt Validation Notice : On XX/XX/XXXX, I received a debt validation notice from XXXX XXXX XXXX regarding an alleged debt from XXXX XXXXXXXX XXXX XXXX, with account number XXXX. 
The notice contained inaccurate and misleading information, including : Inconsistent Dates : The notice states the account was purchased by United Holding Group but provides a date of first delinquency of XX/XX/XXXX. This timeline is confusing and suggests the debt may be invalid or beyond the statute of limitations. 
Lack of Clarity : The notice does not clearly explain the relationship between XXXX XXXX XXXX and United Holding Group, creating confusion about who owns the debt and who I should contact. 
2. Refusal to Communicate and Unreasonable Demands : I contacted XXXX XXXX XXXX by phone to inquire about the debt and the discrepancies in the notice. 
The representative refused to discuss the debt with me unless I provided my full address, date of birth, and full name, even though I was willing to confirm basic identifying information. 
When I refused to provide this excessive personal information, the representative abruptly terminated the call. 
3. Potential FDCPA Violations : I believe XXXX XXXX XXXX 's actions violate the Fair Debt Collection Practices Act ( FDCPA ) by : Misrepresenting information : They may have misrepresented the requirements for debt validation by insisting on excessive personal information before discussing the debt. 
Refusing to communicate : They refused to communicate with me about the debt simply because I wouldn't provide unnecessary personal details. 
Using deceptive and unfair practices : Their actions appear designed to intimidate and pressure me into providing information I am not obligated to share. 
Desired Resolution I request that the CFPB investigate XXXX XXXX XXXX 's practices and take appropriate action to ensure they comply with the FDCPA. 
I also request that XXXX XXXX XXXX provide me with clear and accurate information about the alleged debt, including validation of the debt as required by law. 
Supporting Documentation I have attached a copy of the debt validation notice and my notes from the phone call with XXXX XXXX XXXX. 
Additional Information I have an active complaint with the CFPB against United Holding Group related to this debt.
Product: Credit reporting or other personal consumer reports

in XXXX of 2023 i made a lease payment to XXXX XXXX XXXX which was returned unpaid as i used the wrong stored account. XXXX decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling XXXX i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call XXXX on XXXX XXXX 2023 as i get a notice of a 30 day past due from XXXX XXXX from XXXX XXXX XXXX i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from XXXX in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as XXXX XXXX XXXX not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.
Product: Credit card

I am writing to file a formal complaint against Synchrony Bank regarding unresolved disputed transactions on my PayPal Credit account, particularly those attributed to XXXX, and the retaliatory actions taken against me as a customer. 

Recently, I discovered numerous unauthorized transactions on my PayPal Credit account, specifically linked to purchases at XXXX. These transactions were not initiated by me, and I promptly disputed them with Synchrony Bank, providing all necessary documentation and details for investigation. Despite my efforts, Synchrony Bank has failed to complete the claim process and credit my account for all the unauthorized transactions. 

As a result, a significant number of fraudulent transactions remain unresolved, causing considerable financial distress and uncertainty. Despite my repeated attempts to seek resolution from Synchrony Bank, they have not provided a satisfactory response or timeline for resolving the outstanding disputes. 

Furthermore, instead of addressing the issue in good faith, Synchrony Bank has taken retaliatory actions against me by unilaterally reducing the credit limit on my PayPal account. This action not only exacerbates the financial strain caused by the unresolved transactions but also demonstrates a lack of accountability and customer care on the part of Synchrony Bank.
Product: Checking or savings account

I received wired funds to my NFCU account. Apparently, the sender had problems with her account at XXXX XXXX XXXX Bank. XXXX & XXXX then reversed the deposit to my account weeks later and NFCU gave them my personal funds in the amount of {$1100.00}, without notifying me. NFCU nor XXXX & XXXX will provide any information on why my account was used to correct a discrepancy caused by another party at another bank. I have been refused an explanation by all involved.
Product: Debt collection

Before my account went into collection, conn 's called me about settling my debt. I made the payments that they asked for. However, on my credit report, it is stating that it is in collections but I made the payments that were asked of me for settling my debt. I did call a few times asking the company about this issue when I first noticed it a few years ago. I was told that they seen where I made payments but something in the system was not right and they were taking care of it. This is causing a hardship on my credit because of this mistake. I need this fixed immediately.