23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have now twice received what appear to be collections agency letters, instead of bills from my medical provider. And, yesterday I received a phone call from the collections company ( billing agency for the hospital ), that used debt collector tactics that may be in violation of the Fair Debt Collections Practice Act. 
The hospital is XXXX XXXX Hospital, billing address XXXX XXXX XXXX, XXXX, VA XXXX, phone number XXXX. 
The collections agency ( billing company ) is NPAS, Inc. XXXX XXXX XXXX, XXXX XXXX KY XXXX, phone number XXXX. 
The first letter I received from NPAS, Inc. for a bill for which I never received a bill from the hospital, caused me to call the hospital billing directly. I asked them who this NPAS, Inc. was, why I received what appeared to be a collections letter, and why I had not received a bill from the hospital directly, which I had received prior to these events regularly. I have always, prior to the conduct by the hospitals billing and NPAS, Inc.,  received a bill from the hospital, and always paid them on time. I did not receive a satisfactory response to my inquiries, but was able to pay the bill, in full over the phone. This occurred in XX/XX/2018 
At the beginning ofXX/XX/2018, I received yet another collections looking letter from NPAS , Inc., without having ever received a bill from the hospital directly. This letter is attached. I again, immediately called the hospital billing, advised them of the letter, and asked them to generate a bill for me, which the hospital billing CSR said she was going to do. 
XX/XX/2018, I received a collections like phone call from NPAS , Inc . The female calling at first refused to identify from what company/agency she was calling, instead demanding that I confirm if I was Mr. XXXX. I persisted through her very rude behavior and she eventually admitted that she was calling from NPAS, Inc. Once she finally divulged this and the purpose of the call, I told her of my conversation with the hospital, and that I had been assured by the hospital that a bill would be forthcoming. She told me the call was being recorded, more intimidation tactics. She then proceeded to demand that I be transferred to what she referred to as an account specialist. I asked if the account specialist was in fact a collections agency. She rudely refused to answer again, and demanded I allow myself to be transferred to an account specialist, and again stated the phone call was being recorded. At that point I stated to her that I was calling the hospital billing department an

d hung up the phone

. The conduct of the agent from NPA
S, Inc. was rude, evasive and clearly an attempt at intimidation. What makes this truly despicable, is that I pay my bills on time, but now the hospital has apparently resorted to the tactic of not bothering to send a bill and instead using a collections like agency from the start. I suppose the hospital can bill how they want, but NPAS, Inc.s conduct may have violated the Fair Debt Collections Practice Act, and I ask you to investigate this.
Product: Vehicle loan or lease

XXXX XXXX ( Mechanics Bank XXXX XXXX Nevada financed the XXXX XXXX XXXX XXXX XXXX  I bought in XX/XX/XXXX. I am XXXX XXXX and a XXXX Veteran who has seen my work slow down because of the COVID 19 Virus, yet XXXX XXXX continually harassers me with phone calls every day, late charges which exceed 10 % of the amount due and charges for GAP Insurance. 
I have told the callers repeatedly I have requested a due date change, they keep calling, I sent an email to XXXX XXXX detailing the issue, they continue to call several times a day. 
I tell them I will Only speak with a Supervisor, a XXXX who Is Not a Supervisor then calls within the hour. This behavior is unwarranted and causing Me XXXX  and XXXX  I Do Not Need or Do I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes
Product: Vehicle loan or lease

I leased a car in XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
i purchased the same car in XXXX. They made be buy extra warranties ( Optional car warranty and Wheel and tyre warranty ) stating I could cancel within a month, and when I cancelled it within the month. They were saying I should buy out the car with the warranty amount and then they could pay a check for my warrant amount to me When I bought the car+ warranty amount, they they changed it to they will pay with in a month, later after repeated visiting the center in XXXX and email they stated it may take more than 90 days. Now they are not responding to emails and not responding to my calls.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed several accounts listed that are currently involved in pending litigation. Since these accounts are still under legal review, their inclusion on my report is having an unfair negative impact on my credit score.
Product: Mortgage

In 2010 I had a VA mortgage on my home in XXXX XXXX, NV through Wells Fargo. When the housing values dropped out and the government gave money to financial institutions so homeowners could refinance their homes at fair market value I was turned down for refinancing through Wells Fargo. I called and offered to refinance my home at twice the fair market value and was told numerous times " no. '' Wells Fargo told me they would start foreclosure proceedings if I didn't make my payments. I was current on all my payments until this point. I told them I would honor my mortgage contract by surrendering my home since I wasn't going to make payments on it. They told me they don't want the home, I told them I didn't either. They started the foreclosure process but before it finalized they called and encouraged me to do a " short sale. '' I told them I didn't know what a short sale was, they explained it to me. They never told me it would damage my credit or impact my future buying power with the VA, they just told me it's a way to avoid foreclosure. I didn't know any better so I agreed to it. They accepted a buying offer of approx. XXXX which was much less than the XXXX I offered to refinance it for myself. I felt I was extremely mistreated by Wells Fargo during this process and still today have a reduced amount the VA will guarantee a home purchase for since this transaction in 2010 with Wells Fargo.
Product: Debt collection

I did not receive any notice allowing me to dispute alleged debt. Pursuant to 15 U.S. Code 1692g ( c ) - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Please find attached a debt validation letter pursuant to 15 U.S. Code 1692g.
Product: Debt collection

We originally tried to contact hunter Warfield by mail in XXXX of 2019 by mail. I have receipt of delivery but never received any information from them. After waiting 30 days to receive a letter from them I assumed they would not mail an invoice. This was listed on my XXXX credit report and I filed with XXXX  to validate the debt. XXXX did validate the debt and said it was owed. I then tried to contact Hunter Warfield by phone to ask them to send an invoice about the debt. Hunter Warfield stated they would not send us an invoice until the debt was paid. This seemed odd to me but we were trying to get our home refinanced at the time so we were between a rock and a hard spot. I paid this debt by credit card so I could receive a receipt. Even after payment they made me wait for a 24 hour waiting period before they would send receipt of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, Please remove these accounts from report, they are hurting my ability to obtain credit.
Product: Debt collection

Ad astra recovery services is the company that bought the debt. They call me all the time instead of my lawyers they keep calling my father about the debt. Theyre abusing me and my family. My father has recorded 48 calls in one day about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX XXXX, and are reporting two collection accounts with XXXX XXXX  and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX this is NOT A MINE REMOVE FROM MY CREDIT REPORT! I have PROOF THAT this is a ERROR so remove asap! I will have to file with my attorney!
Product: Credit reporting or other personal consumer reports

There were XXXX types of accounts opened in my name with XXXX. 
XXXX is a credit card for {$1600.00} XXXX is a loan for {$4800.00} I attempted to contact the company which stated they could not find an account. 

They show up on my Transunion Credit Report. I have filed a dispute with them. 

Credit score on Transunion going down due to lack of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address this on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTC ) and regulation E. These actions have caused significant inconvenience fees financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ALL IN XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 
Further they have not attempted to update the status with email, that would any more clarification then technical difficulties Thank you.
Product: Mortgage

SECOND ADDENDUM TO XXXX. THIS SERVES AS AN ADDENDUMM TO COMPLAINT NUMBER XXXX REGARDING XXXX XXXX XXXX XXXX XXXX TEXAS XXXX THE COMPLAINT WAS FILED DUE TO LOOKING AT PROPERTY IN TEXAS DUE TO RELOCATION, AFTER INVESTIGATING WE FOUND FRAUD ACTIVITY ON THE HOME. RECEIVED A RESPONSE FROM PNC STATING THEY HAD NO INVOLVEMENT WITH THE HOME. I AM ATTACHING SUPPORTING DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PURCHASED THE HOME IN XXXX XXXX NO FRAUD THAN WHY DID XXXX XXXX PURCHASE THE HOME. 3. PNC AND XXXXXXXX XXXX ARE CONNECTED, XXXX. WE ARE VICTIMS OF MORTGAGE FRAUD TO INCLUDE BASICALLY EVERY BANK CONNECTED TO XXXXXXXX XXXX XXXX UTILIZED AND EACH REAL AND COMMERCIAL PROPERY WAS STOLEN FROM US VIA THE XXXX TRUSTEE AND JUDGE BECAUSE THEIR COLLEAGES UTILIZED XXXX TO PURCHASE HOMES PRIOR. XXXX. INDIVIDUALS ARE THINKING THEY ARE RECEIVING LOANS FOR MORTGAGES BUT THEY ARE PAYING THE MORTGAGE OF THE SXXXX XXXX. TRUST AND BELIEVE WE ARE NOW EXPERTS ON THIS PROCESS AND WILL FOREVER HOLD EACH PERSON AND ENTITIY ACCOUNTABLE BECAUSE PAYBACK AND RESTORATION TO US WILL TAKE PLACE, THERE ARE NO OTHER OPTIONS. WE WANT ALL PERSONS WHO UTILIZED OUR CREDIT AND IDENTITY TO BECOME WEALTHIER CHARGED AND INDICTED! 8. NOW THE POWERS TO BE KNOW WE ARE NO JOKE. THE WORD IS OUT AND HOMEOWNERS ARE BEGINNING TO SUE THE PANTS OFF OF ENTERPRISES AND THEY SHOULD. 9. WE WILL NOT LET INDIVIDUALS BE VIOLATED KNOWING WHAT IS TAKING PLACE. NEW REZ IS A CRIMINAL ENTERPRISE. GIVEN WHAT HAPPEN TO US AND WHAT THEY DID ILLEGALLY THEY NEED TO GIVE US THIS HOUSE FOR FREE TOTALLY RESTORED BOTH INSIDE AND OUT REAL TALK. THESE ENTERPRISES ARE RUNNING LIKE CRAZY TO COVER ALL THE FRAUD ESPECIALLY PERTAINING TO US BECAUSE THEY KNOW THE PAYBACK IS GOING TO BE FIANCIALY ASTRONOMICAL! WE WILL NOT LET THIS BEHAVIOR CONTINUE BY THESE BANKS AND COMPANIES. HOMEOWNERS ARE BEING EDUCATED! THE CREDIT BUREAUS ARE INVOLVED AS WELL. EVERYONE KNOWS WHO OWN THE XXXX 'S. THERE ARE NO BREECHES. SALE THAT STORY RO SOMEONE ELSE, THE XXXX 'S ARE THE BREECHES! 

PNC IS LISTED AS A MORTGAGE COMPANY WITH THE THIRD UPLOAD.
Product: Money transfer, virtual currency, or money service

I have over {$1.00} XXXX tied up on coin base exchange. XX/XX/XXXX my password was suddenly not working. I tried to contact coin base but there is no phone support and when you email them you just got an automated response. The only available phone number allows you to lock your account for security reasons which I did. That was also automated. Once I locked my account it said it would take XXXX to XXXX business days for a representative to review it. 
It has now been just about a month I have no access to my funds and no way of contacting anyone at coinbase. I have read on XXXX that many many many people are experiencing the same issue. Client base charges 2 % for every transaction they do and they are doing billions of dollars worth of transactions yet they can not hire a support staff to even answer emails let alone have an open telephone line. I believe this borders on fraud and their site is greatly miss leading to the public. I am not alone in this but I have a huge sum of money but I have no access to. It is causing me emotional distress and financial hardship. I went as far as to try to email the CEO on XXXX of course I got no response just like the rest of the company. Feels like a sham smells like a sham
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been stolen, as I did not authorize these accounts. I have previously reported this issue and now request that these unauthorized accounts be removed from my report immediately. Their presence is causing me significant distress and does not reflect my actual credit history or financial management. 

If this matter is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my ability to achieve crucial financial goals, such as purchasing a home and supporting my family. I appreciate your prompt attention to this matter and hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX have not deleted and removed : XXXX XXXX ( XXXX ) XXXX Bank XXXX XXXXXXXX XXXX From my account. It's been over XXXX days. 
I have supplied court ordered documentation to remove XXXX card and XXXX bank from my report. Proven fraud and acknowledged by XXXX XXXX XXXX and XXXX Bank ( documents attached ) ****XXXX is the only one that has compiled. 

Can you please help? After XXXX and with proof of fraud with a court ordered document to remove. TransUnion and XXXX continue to ignore my numerous ( in writing, online and phone ) requests for deletion.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Mortgage

Wells Fargo is a shady company and dont deserve to be in business at all they caused nothing but problems for us and caused nothing but stress and much more .... and we are not gon na Stand it ... we are calling them liars and a scam they have not tried to contact us at all or try to work with us in any way and they made it look like we never made a payment to begin with on our mortgage and now they are taking our home from us .... how are they even in business they should be shut down ...
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Checking or savings account

My XXXX  XXXX passed away XX/XX/XXXX. I, his XXXX am the beneficiary on the account. I visited Chase mid XX/XX/XXXX to notify them of my XXXX passing. I was turned away and told i needed an appointment. I scheduled, and met with a personal banker and filled out some paperwork. The banker said she would submit the documents ( dont know where ) and i needed to wait until XXXX XXXX debited my husbands pension from the account in order for Chase to release funds. I called XXXX  and notified them of my husband passing on XX/XX/XXXX. I called Chase to check on the status of VA pension debit on XX/XX/XXXX, i was told i didnt need to wait, that Chase XXXX leave sufficient funds in the account to cover the pension and they could give me the rest of the funds. I visited Chase branch on XXXX XXXX and they gave me an appointment for XX/XX/XXXX. I met with branch XXXX XXXX XXXX who filled out another document and told me i needed to wait because the document needed to be approved. NOW why? after a month, am I getting this option and not when i originally visited the branch in XXXX? Are they worried about loosing deposits? The branch XXXX had no problem asking if I was opening an account and keeping funds there. Is it because they know Im of old age and its difficult for me to keep up with the run around and think Ill stop? Isnt this considered senior abuse? What was done with the original documents i signed with the personal banker? Such a big bank, and poor customer service. Its like a XXXX XXXX you need to take care of your finances or have questions? It better not be an emergency, you know why? You dont have an appointment, you need to wait!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about Transunion Inc. I sent out a dispute letter on XX/XX/2020. Transunion received the dispute letter and sent me a letter stating, we recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. This is not accurate. I sent Transunion a Notarized dispute letter claiming that they need to verify my accounts. I called them the same day I received this letter on XX/XX/2020. Not only did I wait on hold for 2 hours, they picked up the phone and then proceeded to put us on hold for another 45 minutes. After waiting the extra 45 minutes, Transunion had already closed for the day. The customer service was horrible. I proceeded to call back the next day XX/XX/2020. I talked to two people, XXXX and XXXX. They didnt want to talk about the dispute letter I sent out and they were very rude. They are using red lining tactics by holding inaccurate information on my credit report. I cant get through to dispute and remove this information. This is violating the FCRA and my right as a consumer.