23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX we began the FHA home buying process with this company, XXXX was the loan officer. XXXX requested us to complete the application and submitted our requested W2 's. We received out pre-approval letter and contacted a realtor and located a house that XXXX approved was acceptable for our loan and we submitted a contract on the home,. Our debt/income ratio was approved and We began to pay off the requested debt. Any documentation was submitted quickly. We were given a closing date of XX/XX/XXXX. We were told that we we were " all good '' and informed that everything was in underwriting but It began to appear that someone in Nations Lending, perhaps XXXX, dropped the ball as we were then asked to submit paystubs, place a deposit of several more thousand dollars in our account, ( which we did ) and told that things were being help up because of an error in the appraisal. We contacted the branch manager whose reasonings contradicted XXXX. We contacted the Corporate office to try and get clarity on why we were getting the run around and within 5 minutes got a call from the branch manager that the loan was now denied due to debt/income ratio which we had already been told was approved. The appraisal would have never been ordered had they had done their due diligence. we were misled, lied to, and then because we went above their heads, the local office declined the loan. We want our {$600.00} appraisal fee refunded as they should have never ordered it if we weren't approved.
Product: Debt collection

a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple
Product: Credit reporting or other personal consumer reports

In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the XXXX XXXX XXXX to reinvestigate these accounts : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : NAVY FEDERAL CREDIT UNION : Account # XXXX : Account name : XXXX XXXX : Account # XXXX.
Product: Student loan

I took out a {$11000.00} student loan through XXXX in XXXX and it went into deferment because of school. I then joined the XXXX in XXXX. XXXX kept my loan in deferment without contacting me ... I was no longer in school so my loan should n't have been kept in deferment. I consolidated my student loans right before I joined the military and I had thought the XXXX loan was consolidated with the others. 
I did n't find out until I went to buy a house XXXX XXXX that I had this " student loan '' that had been just sitting in deferment for years! 
I contacted XXXX and asked why it was in deferment for another 5 years and why they did n't contact me and WHO approved this. I asked for any supporting documents stating that I put this loan in deferment ( knowing it was n't due to school because I had already graduated! XXXX XXXX could n't give me any reason as to why my student loan stayed an extra 5 years in deferment and why I was never contacted with any information during the 5 years! 
My loan went from {$11000.00} to owing {$19000.00}. 
XXXX then quickly transferred my student loan to American Education Services and I have yet to figure out why my student loan nearly doubled. 
Please help! I am currently paying on my student loan monthly and currently owe {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Opened a Venmo account and never ended up using it. Didnt process any transactions and just left the account open. I came back to use my Venmo to process a transaction only to find that my account was suspended for no reason at all. Venmo support has offered no support or help for this problem and, in some instances, have ignored my complaints that I filed through their support page.
Product: Debt collection

Company will NOT provide a debt validation to me, and refuse to provide information proving I owe the debt even though I do not recognize it. 

Dates of communication : - Initial Debt Verification letter/request sent in XX/XX/XXXX, same day of my first call. They informed me to send this to their dispute email inbox. ( dispute@lmminc.com ) - Second call to follow up was XX/XX/XXXX, to follow up on the verification, where they mentioned they may have not received it because their debt dispute inbox was " non-functional '' and had broken shortly after I sent it. They no longer use this shared inbox. They input this request manually over the phone, to request the itemized bill from the original organization and apologized for the inconvenience. 

- Next call was the day after, XX/XX/XXXX, and I confirmed the itemized bill was requested manually and it had been sent out. 

- XX/XX/XXXX, spoke on the phone, they have no update to provide me. Requested to be put through to a manager, who was verbally aggressive and insisted I owed the debt over and over again, but wouldn't answer the question as to why they can't validate the debt. They insisted the " information would be sent eventually. '' - Final call prior to me writing this complaint was today, XX/XX/XXXX, still no itemized bill sent to them by the original organization, which they confirmed to me over the phone. They refuse to tell me what the next steps are, even though we're going on three months without a validation provided that I owed the debt. XXXX and XXXX have removed this for me, though XXXX is apparently " verifying I owe the debt '' somehow, even though the CA can not provide this information.
Product: Debt collection

Discovering that WSFS has deceitfully opened an account in my name, now reflected on my credit report, is disconcerting. This deceptive act not only compromises my financial integrity but also poses a threat to my creditworthiness and overall financial well-being. It's crucial to take immediate action to address this situation, safeguarding my reputation and ensuring that I am not held accountable for any unauthorized transactions or debts associated with this fraudulent account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a deposit of {$9100.00} and on that same day my cash app account was hacked and all of my money was drained in increments! Cash app would not and still wont help me!! The money was sent out to an account thats not in my name that I have no knowledge of it was sent out to XXXX XXXX  and to cash app names XXXX XXXX and a cash app tag that says XXXX. Instead of them helping me cash app closed my cash app account so I wasnt able to get back into my account until recently! But the fraudsters was still using my account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  XXXX , I paid off thi s Amazon Store ca rd. 2 months after I paid it off, there were re-occurring charges that started. My statements come in my email, but I did not feel the need to check them as I had paid the account off. I received a paper statement in  XXXX  and sure enough, they also reported me 30 days late in  XXXX   XXXX . I called, they refunded the charges, but refused to remove the reporting. I did not push the issue, lesson learned, do n't trust this bank. Again in  XXXX , I paid this account off  (   XXXX   XXXX  ). No need to check my statements, I did not make any other charges that needed to be paid. Again, paper statement received in  XXXX , I received a paper statement and again, this bank reported me 30 days late. I called Syncrony Bank, I called Amazon. They waived {$20.00} and refused to do anything else. I disputed with  XXXX  and received a letter dated  XX/XX/XXXX  that all was reported correctly, no proof, nothing. I closed the account and disputed with AMazon and Synchrony again.  XXXX   XXXX , now they are reporting me 60 days late. I just called and their collection department waived {$53.00} in fees and I paid the stupid {$21.00} balance that I DID NOT OWE because I feel like my credit  score is being held hostage at  this point. Again, they say they will enter a dispute and research will take 30 days. To my surprise, I see an article today on  XXXX   XXXX  about Amazon and their re-occurring charges. It seems I am not the only one in this nightmare. I want ALL of the negative credit reporting from this bank removed from my credit report. This is unfair - how do I know to pay something that I DO N'T know is there because I paid the account off  XXXX  balance!!
Product: Debt collection

On XX/XX/XXXX, I submitted a form to Ability Recovery Services requesting contact and sent a debt validation letter asking them to verify the debt they reported to XXXX, XXXX, and XXXX. They did this without notifying me or allowing me to dispute it, as required by the FDCPA before reporting to credit agencies. Ability Recovery Services violated the FDCPA. I've been keeping records for a consumer law attorney due to multiple attempts to address this issue with the company. It has been well over 45 days for this company to respond. Requested information : Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt.

Please furnish legible copies of the following : 1. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt.

2. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization.

3. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission 4 . Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the HIPAA and Georgia medical privacy rules . I also hereby reserve the right to pursue civil action to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained and disputed these charges multiple times and I will continue to as long as they remain in my credit. This company lied from the beginning to get my business then reported over {$1400.00} late for XXXX that they failed to discuss with me first because I couldve very easily handled it. Now they are ruining my credit by continuing to report late payments. I requested to lower payments for a few moths before I got behind in payments to avoid getting behind and they allowed me to only to report that I am late on my credit and continue to damage my credit. Everybody complains about this companies disgusting behavior and nothing is being done about it. This needs to stop now.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent an online wire transfer but it never arrived to the beneficiary. On XX/XX/XXXX, I started an investigation and until today, Wells Fargo has not been able to refund the money. They refused to do a fraud claim and all they tell me is to file a complain. I have filed 3 complains and so far, they still tell me I have to wait. I have requested several times something in writing about the situation but the bank refuses to do so.
Product: Mortgage

In XXXX we fell behind in our mortgage payments which resulted in our house being foreclosed on. The foreclosure process began in XXXX of XXXX. We received a letter saying that we should be out of the house by XXXX XXXX, XXXX. We were out by that date. Sometime during the foreclosure process or after our mortgage was sold from XXXX to greentree mortgage. In XXXX of XXXX I had my credit pulled to see if I would qualify for a loan with another bank. They told me that they see the foreclosure of my house with XXXX, but they also saw another foreclosure from greentree that started in XXXX of XXXX. I have contacted greentree several times and I 'm always getting hung up on, or told to call XXXX to get information about what 's going on. Greentree claims that I owe them over {$19000.00} and that they have had the mortgage XXXX. On another call they say that they have had the mortgage since XXXX of XXXX. I can never get a straight answer from any of there employees or supervisors. They are rude and act like they have no clue about my account with them. I get switch back and forth from department to department with the same dead end results.
Product: Credit card or prepaid card

1st Progress failed to send monthly statements for several months and then reported late payments. When I contacted them to get it straightened out they could not verify that statements were ever sent out. when they reported late payments my credit score went from XXXX to XXXX over night. Prior to this we has excellent credit. No late payments, no exceptions. 

Please se to it that these folks admit their mistake and correct my credit file restoring my good name and good credit. if you check my history you will see how hard I worked to build an excellent status in my credit file. we pay all our bills on time. 

Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FCRA Violation : credit card not mine XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$100.00} FCRA Violation : collections not mine XXXX XXXX  {$230.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$190.00} FCRA Violation : hard enquiries not mine 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

From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Hello , I am writing this complaint because TRANSUNION, LLC, or " TRANSUNION '' continues to furnish and disclose fraudulent inquiries onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. Transunion has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer. 
Please see, " XXXX XXXX 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  TransUnion XXXX ( XXXX ) '' TRANSUNION and the following creditors have severely suppressed the financial reputation of XXXX XXXX XXXX, Consumer, as these fraudulent inquiries are prohibiting said Consumer from extending credit due to the following three inquires being furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX The CFPB Complaint dates and correspondences are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CFPB Case Number ( XXXX ) : XXXX XXXX Submitted to Transunion on XX/XX/XXXX Transunion responded on : XX/XX/XXXX CFPB Case Number XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX CFPB Case Number ( XXXX ) : XXXX Transunion : XXXX Submitted : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX CFPB Case Number ( s ) : XXXX Submitted to CFBP on XX/XX/XXXX, Sent to Regulator ( FTC ) on XX/XX/XXXX, no Response as of XX/XX/XXXX. 
Transunion : XXXX Submitted on : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX Each time Transunion took more than ( 30 ) days to conduct a reasonable reinvestigation. after receipt of Notice. Please see : " XXXX XXXX TransUnion 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, credit repair services, 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. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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: Payday loan, title loan, or personal loan

I recently applied for a line of credit back in XXXX to XX/XX/2021 with XXXX XXXX I was initially granted a credit line of XXXX dollars I made purchases through country door arould XXXX of merchandise I as a consumer faithfully and responsibly made good faith too pay the company for the purchases I made allways makeing payments never being late and have paid balance down too XXXX recently this company reported my account too the credit bureaus dropping my credit limit from XXXX too XXXX dollar credit limit throwing my utilization at 228 % for this account causing damage too my score I feel as a consumer Ive been targeted by a mistake on the part of XXXX XXXX  and its company I contacted the company too reference my case without any reasoning and told them I felt I had the rights as a consumer too be concerned of such unfair business practice and would report the matter as a consumer that has made a good Will effort too pay my obligation over time and Ive not been late on any of my current obligations too anyone Im doing business with I respectfully ask for a investigation thanks for your time.
Product: Debt collection

Unifin sent me a text message attempting to collect a debt that was charged off in 2013 which means this is an old debt and way past the statute of limitations and they are attempting to collect an amount I don't owe and attempting to collect exempt funds from a XXXXXXXX XXXX veteran. This company is in violation for even contacting me about a debt from 2013 and in violation for attempting to collect a debt from a XXXX veteran and in violation for attempting to collect a debt that is too old to collect or contact me about.
Product: Debt collection

I XXXX XXXX and my mother XXXX XXXX have been receiving several phone calls from XXXX stating that he has a {$29000.00} debt from a construction company with XXXX i called XXXX and they didnt give us much information but to call the following number XXXX and the XXXX website i spoke to them then was transfer to XXXX XXXX to they told me it would most likely to be a scam and to have it reported to FTC AT XXXX.
Product: Mortgage

I was shopping for mortgage lending and I contacted two lenders. One of the lenders was Broker Solutions, Inc ( or XXXX XXXX XXXX ). This company offered me a conventional, 30 year fix at 3.75 % rate. I decided to go with them and after 2 weeks of paperwork and appraisal paid for they changed the loan rate to 4.25 %, plus {$1100.00} for a 0.935 % in points. The new conditions were more disadvantageous than the other offer I had. After several emails and telephone conversations I came to the conclusion that these people lied to me and I decided to change lender because I did not feel comfortable continuing business with them. I have documents they sent me to print, sign and fax back, and the emails to confirm the original offer of 30 year fix, conventional at 3.75 %
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

PORTFOLIO RECOVERY refuses to close out the account though it's been confirmed with XXXX that the account is too old to collect on. Because of that, XXXX has since confirmed that informed and moved forward. However, XXXX refuses to confirm it with the other two credit bureaus and will not respond to me on how to best move forward. I've also sent them a validation of debt fax twice, neither of which they have responded to.