23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Finance system of richmond called me in a rude tone and I refused to take the call, I asked for name and address and the lady hung up the phone. they company then listed two medical debts on my credit file without even sending a notice to dispute. I sent a debt validation to the company and they sent me a typed up bill, I later sent another notice and the company ignored me. I complained to the XXXX and the company sent the XXXX  a bill with medical procedures and procedure codes which displayed what type of medical service was performed which is a violation of hippa. I will attach all the files I sent to the company and the XXXX  and the companies response of not investigating my disputes but will still report to the credit bureaus. Debt collectors engage in fraud and violations why would I send any information to them. The burden of proof is on them to provide debt validation which is a original contract between the debt collector and I or the debt collector and the original creditor and an account number linking me to the debt. I looked up the procedure code which was listed and figured out what procedure was done. this company needs to remove this debt from my credit file and send it back where they got it frim because they will be liable for damages. I have attached the companies response to the XXXX  with all information and procedure codes and my two debt validation request.
Product: Mortgage

Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical practices.
Product: Credit reporting or other personal consumer reports

I have tried numerous times over the past year to get a copy of my ONLINE credit report from Transunion using their website. Also, I have tried numerous times to submit ONLINE disputes using their websites. Regardless of the web browser, when I go to submit a request for a credit report or to submit a dispute, the website doesn't provide any way to continue the request for the credit report or submitting the dispute. Furthermore, when I called them to request a ONLINE copy of my credit report, the representative informed me that I would have to wait for it to be mailed to me. In today 's electronic age, consumer 's should be able to take care of both of these items online. XXXX and XXXX offer credit reports and disputes online along with the ability to upload documents. Why doesn't Transunion offer these services online??? It seems to me that Transunion is forcing consumers to take outdated and arduous steps to see their credit reports and/or to submit disputes in hopes that they become discouraged and abandon the requests thus saving Transunion money and time by not having or meet the needs of the consumers.
Product: Checking or savings account

XXXX withdrawals from my checking account were made for a total of {$28000.00} from dates XX/XX/year> - XX/XX/year>. All XXXX withdrawals are fraudulent transactions as part of an online scam conducted by a company that cited themselves as " XXXX ''. 
The contact information I have from " XXXX '' are : " XXXX '' ( which identifies herself as " XXXX '' ( XXXX ) XXXX " Customer Service '' ( XXXX ) XXXX. 
I contacted US Bank XXXX XXXX regarding this scam to which they responded that they have given me provisional credits for the entire amount of {$28000.00}. I did not choose to use this money right away, so I let it sit for a few days. Then suddenly US Bank closed my XXXX account without my consent or knowledge, mailing me a cashier 's check for the amount that was in the account ( {$180.00} ). Thinking this was a mistake, I called US Bank and was approved for a new savings account. I spoke with a XXXX and her XXXX at the US Bank XXXX XXXX in XXXX. XXXX is XXXX XXXX and XXXX is XXXX XXXX. XXXX asked me to " step in her office ''. Thinking she was going to be helpful with the situation, she was not. She only looked at my account on her computer, turned to me and said, " you're lucky I don't close your checking account too ''. I was shocked by her response then she said. " Is there anything else I can help you with? '' I replied no and walked out of her office. This happened on XX/XX/year> in the US bank XXXX XXXX XXXX. Then I found out my checking account had a block put on it, also without my consent or knowledge, despite receiving letters from US Bank fraud office saying that I would have full use of my account for the duration of investigation. Now I am receiving letters, one at a time, of US Bank denying me refunds of fraud that occurred on my checking account saying that I have received " services '' for these transactions. I have received nothing for any of the XXXX transactions, no goods or services.
Product: Student loan

I am the co signer to a student loan belonging to my daughter. Navient took over for XXXX XXXX. I am constantly getting calls while I 'm at work about payments that are late. Calls start at XXXX XXXX and go until XXXX XXXX. I get calls on my cell and land line. While I understand that payments have to be made, these past few times the payment WAS made!! My daughter has had to call to tell them they were made and she had a confirmation number. It is my understanding these types of calls are not to be made while XXXX is at work.
Product: Debt collection

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
all of my right was violated by XXXX, experianXXXX XXXX XXXX  and XXXX.
Product: Credit card

I've consistently made sure payments on this account are timely, never allowing them to go overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Student loan

I am enrolled in auto debit as printed on my monthly statements. My XXXX statement showed no past due amounts and the amount of my next auto debit payment amount. The money was successfully pulled from my bank account on the due date. Now Nelnet is emailing me and calling me at work to tell me I am past due. I enrolled in auto debit so that I would not become past due. When I call to inquire why the incorrect amounts are being pulled they could not give me an answer.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting or other personal consumer reports

Unfortunately I have been the victim of a data breach and as a result I have discovered several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments 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 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  but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law
Product: Mortgage

I have a VA home Mortgage through Mr. Cooper loans. In XX/XX/2019 my loan servicer was switched from XXXX to Mr. Cooper and it has been problem after problem. 

Relevant to the Coronavirus pandemic, I run a XXXX XXXX  as my sole source of income and had to shut my XXXX  for over a month. 

I had contacted in early XXXX, Mr. Cooper, to explore mortgage relief options. I was told they had a forbearance program but there was no loan modification and the entire balance of forbearance would be due at the end of forbearance. I was advised to refinance my loan, despite my vocal confusion over the fact that I had just told them my income was negatively affected. I Inquired about terms, rates and fees and was told that I would be getting a lower interest rate and payment for about $ 400-600 in fees. I was sent signing documents and discovered that  there were over {$10000.00} in unmentioned fees. 

I called Mr. Cooper mid XXXX to inquire about these fees and was told by a representative that I should not have been advised into a re finance, and that forbearance with loan modification would be an option. For whatever reason I was not told about what my loan modification would look like. 

At the end of XXXX ( Thursday, XX/XX/XXXX ) I contacted Mr. Cooper to the end my forbearance. I was given options for repayment or to choose loan modification, and have my application sent to underwriting. I chose loan modification. On Saturday I checked into the Mr. Cooper app to see any notification from underwriting and I saw a warning that showed that I was delinquent on my loan. 

I called Mr. Cooper for the first time at XXXX and struggled to get in contact with a representative for an hour. The representative then told me that I was in the loan repayment plan and not loan modification, in direct contradiction to what I had requested. The representative reviewed the notes from the previous call and said that representative said I chose repayment. I asked if all calls were recorded and she said that they were. At this point I requested speaking with a manager. I was then placed on a series of holds until XXXX when their call center closed, and the phone line was cut short. 

This company is preying upon veterans, who are having their loans sold to Mr. Cooper only for them to mismanage these loans with borderline fraudulent communication and banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY REPORT IT SHOWS XXXX XXXX ANDXX/XX/XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used in a data breach this account is not my account and needs to be removed asap
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding the inaccurate reporting of an account named CNAC on my credit report. XXXX is reporting this account as a profit and loss write-off, which is incorrect. 

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both XXXX and XXXX. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family. 

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.
Product: Money transfer, virtual currency, or money service

I was payed from XXXX To cash app and on my XXXX  account it says payed but cash app locked my debit card and is not showing me my money is there or that they received it. Its been about 7 days now and I have proof that it was sent to that cash app bank account. Please reach back to me and help me. It was XXXX $ and it was sent on XX/XX/2920 thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX. I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. 
XXXX XXXX unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Product: Debt collection

Sunrise XXXX  XXXX : text messaged once a day since XXXX XXXX with a link to their website to collect a debt. According to the link, once accessed the debt account doesnt exist. Opted out of text messages.
Product: Checking or savings account

I deposited a check for XXXX at PNC ATM at XXXX XXXX grocery store on XX/XX/XXXX. 
After a couple minutes of " processing '', message appeared that transaction could not be completed. The ATM machine ejected my bank card but did not return the check! 
I called PNC Customer Care and a supervisor assured me that the ATM is audited on a daily basis. The supervisor said it could take up to 10 business days but it is usually resolved within a couple of days. 
The next day I received a call from PNC saying that the ATM was operated by a " third Party '' and it could take up to 45 days for them to resolve the situation. 
I was very upset because this is a lot of money XXXX my inheritance ). 
I was planning on using that money to pay my taxes this week. 
This has really put me in financial turmoil and PNC employees seemed very indifferent to the problem. 
I can't believe the ATM 's are not required to have disclosure that they are owned and operated by a third party. So if something like this possibly happening I would have waited until XXXX and went to the bank in person. 
I can not believe that PNC was unable to contact " Third Party '' and have them audit the ATM to accomodate a financially distressed customer because of an error on their ATM. 
There is no apparent accountability?!!
Product: Debt collection

The account number XXXX TrueAccord account is not mine and I want it removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Paragon Revenue Group is in violation of several FCRA laws and has been attempting to collect a higher amount than is being reported to the Credit Bureaus. 
This company refuses to remove the incorrect information from my report. Pursuant to 15 USC 1681s-2 They have the duty of furnishing correct information, and once they've been put on notice, they must remove the incorrect information immediately.