23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was originally contacted via XXXX mail on XX/XX/XXXX stating I owe {$18000.00} in charges related to a company named " XXXX XXXX XXXX XXXX '' by XXXX XXXX XXXX. 

Although I once lived at that address, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  my payments to the landlord were current and complete. These payments to my former landlord were in his name and no such company exists with the name " XXXX XXXX XXXX XXXX ''. 

I moved out of XXXX XXXX XXXXXXXX XXXX XXXX XXXX and several months later I began receiving mail at my new address related to credit card accounts being attempted to open. 

I understood that I was a victim of identity theft and filed a police report. 

Upon receiving the debt notice from XXXX XXXX XXXX, I gave them the requested police reports and documentation, but they have been slow to remove the collections action from my credit reports. 

Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX. Account Number : XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Product: Payday loan, title loan, personal loan, or advance loan

NetCredit said on XX/XX/2024 Congratulations I qualified for {$1900.00} they asked for a voided check and they also asked for XXXX bank statements, they told me this is all they needed to make a decision on my application, I spoke directly to several representatives that told me the same thing, after they got all my banking information, they sent me a denial e-mail stating they were unable to verify my income, if the representatives had asked I would've sent over my income information with the voided check and the XXXX bank statements, this is deceptive. 
THEY SAID I GOT DENIED BECAUSE THEY COULD NOT VERIFY MY INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.
Product: Debt collection

I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.
Product: Mortgage

Mr. Cooper/Nationstar Attn : Customer Relations XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Error in processing my mortgage payment resulting in a false credit report I am writing in response to your letter disputing the errors made in my mortgage account. I hope that this letter is clear and helps address the errors in my account otherwise I will have no other choice that to pursue legal remedies to address the discrepancies. 

Your response failed to provide detailed documentation to explain how the errors were corrected and you failed to provide supporting documentation to prove your answers with sufficient clarity. Here is what I am seeking to resolve this matter before engaging legal counsel. The following are details related to my mortgage payments. What I am seeking is a documented set of examples of how these matters were processed and resolved with supporting details. Failure to provide this level of detail will result in further actions. 

On XX/XX/2019 a check for {$3300.00}. was sent received by Nationstar Mortgage ( DBA : Mr. Cooper ). Please provide a policy or statement that was shared with me in advance that states that a partial payment that is received prior to the due date will be deposited into a suspense account and will result in a late payment and reported to credit reporting agencies. 
Please provide supporting documentation that shows how the {$3300.00} payment was attributed to my account inclusive of allocations to interest, escrow and principle payments if any. The attached documentation does not show the allocation nor does it provide a documented accounting of this payment. 
On XX/XX/2019, two checks were sent on the same date in the amount of {$3500.00} for a total of {$7000.00}. According to the statement provided by Nationstar both payments were treated was one payment. Please explain why one payment was not treated as a reduction in principle only? Why and how does two identical payments get processed for interests, escrow and principle when received on the same date of the month? No notice or correction has been made to my knowledge. Please provide documentation, policy and procedures for why both payments were treated the same. 
Provide documentation for how my principle account, my escrow account and my interest account was adjusted for this duplicate payment and whether an offset to these accounts were processed in accordance to your own policies and procedures. Supporting documentation is formally requested. 
Please demonstrate how Nationstar calculated my payoff to XXXX XXXX. Supporting documentation is formally requested. 

I would like to receive an answer in 30 days. If this documentation is not received in a timely manner I will request this information through legal counsel and corrective action as required.
Product: Debt collection

I received a letter from a collection agency months ago, and multiple letters after that, stating that I owe XXXX XXXX for I purchase out of state that I did not make. I actually havent been out of state in many years to be honest.
Product: Debt collection

Portfolio Recovery called my house several times and did not present themselves as a debt collector and threatened a lawsuit. The last time they called they stated a suit against me had been filed. A week later here was a piece of paper on my door stating I was being served and needed to call the process server. 2 days later he showed up at my door and told my husband he can only talk to me. The next day there was another note on my door with my full name and date of birth. The next night I was home and he rang the bell at XXXX XXXX. Told me that he would come back every night until I took this document, they claimed was a law suit filed in my county. I did not sign for the document but took it and it is a false document. The court they referred to is not in my county. I checked court records and my name was not listed under the " case number ''. This started happening on XX/XX/XXXX. I received the documents on XX/XX/XXXX. The cover of the so called law suit is a collection notice from Portfolio Recovery for the amount of {$1500.00}. I have never signed anything with that company, they assumed a debt that was from another company.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX, XXXX, XXXX, or Transunion written permission or consent to obtain my information or to furnish my information.
Product: Credit reporting or other personal consumer reports

Experian, I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information which confirms that the account # 's listed on my credit report are incorrect and should be removed. 

I've attached a letter to fully explain my new complaint and what would be a fair resolution.
Product: Checking or savings account

wellsfargo has mismanaged my account AND CLAIM they are standing by the dission to deny claim for debit card fruad when my card was cloned and so was my pin number is wellsfargo doesnt give back my funds i will be forced to file a lawsute and go to the media and keep filling complants with the federal government and there actions coused me to lose my XXXX cell phone service my XXXX XXXX hit my account on the day i got my SSI on XX/XX/2023 and made my account negative i transphered funds from my savings to my checking to cover that charge and instead wellsfargo used those funds to pay other charges that had all ready came off my debit card and some of the fruad happened while i was sitting with the bank manager and that fruad happened over 250 miles away in southern california so while i was in berekley so how can the bank stand by thier decision this basnk has all ready been in troble with this agency for this same contduct so i stand by what i say if i dont get made whole i will go to the media and file a lawsute as wellsfargo has coaused me great money lose and hardship and they have 30 days and i will get a lawyer after that. and we will let a judge decised
Product: Student loan

I have been on economic deferment since I left college and my student loans are through XXXX XXXX XXXX, XXXX and Salle Mae. All of my loans are currently in good standing except for Salle Mae. They sent my loans to a secondary company that I was never able to call or contact. Every number I was given from the collection agencies and from XXXX to reach the secondary agency just lead to a phone number that listed offers for XXXX gift cards and XXXX services and then you could never get to an agent to try and find out why the debt had been sent there. I filed a dispute with a lawyer through XXXX services, but was never contacted again about if anything had come from it. Now there are XXXX loans in collections and they took my last years tax returns. Any attempt to file anything with Salle Mae was always difficult and I filed my documentation through FAFSA. My biggest concern is that SallyeMae had a secondary company it used that was unreachable and then they just had XXXX send my loans to a collection agency although I had filed forms with FAFSA for economic deferment and now they have gone so far the companies will not pull them back and the collection agencies do n't recognize economic deferment. I get countless calls a day from autodialers that do not leave voice mails and my tax returns are going to be taken again next year. Prior to this they in 2008 I was attending school and they were calling me telling me I had to repay my student loans although I was in school and was exempt.
Product: Debt collection

I have explained that this debt was incurred due to identity theft however collection activities have continued on this account. I have filed bankruptcy and claimed the debt under the bankruptcy as well. This account has been sold by Jefferson Systems twice according to two different representatives I spoke to from their company on Friday XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX XXXX XXXX account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/22, I deposited a large cashier 's check provided by my in-laws into my account for an upcoming large purchase for my wife and I. We are contractually obligated to wire the money to the seller by XX/XX/22. Upon completion of the deposit, the cashier 's check was put on an immediate hold. I was unable to follow up with the bank on XX/XX/22, and because it was a cashier 's check was not expecting there to be a hold on the money since it is guaranteed, being that it is a cashier 's check. On XX/XX/22 I contacted Bank of America support via phone to figure out why there was a hold, and if it could be removed. I was informed there was nothing that could be done. When I inquired if I should go to the bank where the deposit was made and speak to them there, I was told yes, they may be able to help. I went to the bank where I made the deposit, and after speaking with the teller I was told the hold was NOT placed by Bank of America, but by the originating bank, XXXX. I had to leave the bank and return to work, as I had already spent two hours trying to resolve this issue already. I then contacted XXXX directly, and was informed that there was no hold whatsoever, as I expected, because what I deposited was a cashier 's check; guaranteed money. I contacted Bank of America support once again, I was bounced through three different employees, and the third one informed me that the reason there was a hold on the cashier 's check was because of the amount. He said that because of the amount, that the check had to pass ACH inspection and there was no way to reverse the hold on Bank of America 's side. According to him, the earliest time the funds would be available will be at XXXX, on XX/XX/22. A full 24 hours after my contractual agreement ends. ACH validation is not required for cashier 's checks because the originating bank already guarantees the funds are available. I have been a client of Bank of America for over 17 years, and am appalled at the amount of run-around I was given by them, coupled with a flagrant lie that a cashier 's check " requires '' an ACH hold. If I can not renegotiate my contract with the seller, Bank of America will cause me to be in violation of a written agreement of funds. Funds, that should be there because I deposited a cashier 's check which immediately guarantees the funds are available. I have XXXX faith in Bank of America making this right with me, and wanted to provide this feedback as a cautionary tale for others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit file thats due to fraud I contacted the credit breau and nothing hasnt been done
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.
Product: Checking or savings account

Dear Consumer Finance Protection Bureau, I am writing to file a formal complaint against PNC Bank regarding the freezing of my checking account and subsequent unauthorized transactions. 

On XX/XX/year>, my checking account at PNC Bank was unexpectedly frozen when I attempted to send a wire transfer. The bank has been very unclear about the reasoning behind this action. Despite multiple attempts to seek clarification, I have received no meaningful explanation. 

My account currently holds {$180000.00}, which has been inaccessible for over a week. To make matters worse, {$73000.00} was debited from my account for an XXXX transaction without my permission. 

I have been in continuous contact with a department manager at PNC Bank ; however, she has refused to provide her last name and has not sent me any official documentation regarding the pending closure of my account. 

The lack of transparency and the unauthorized debit from my account are deeply concerning. I urgently request your assistance in resolving this matter, as it has caused significant distress and financial inconvenience. 

Please advise on the necessary steps to take in order to rectify this situation promptly. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX Feel free to add or adjust any details as necessary before submitting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on Experian and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the incomplete and inaccurate investigation conducted by [ Credit Reporting Agency Name ] into several accounts on my credit report. These accounts include a third-party collection account, an eviction account, and a student loan account with inaccurate payment history. Despite my attempts to rectify these issues through the proper dispute process, the responses from the credit reporting agency have been inadequate and have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements.

Issues Third-Party Collection Account : The third-party collection account listed on my credit report is inaccurate. Despite submitting a detailed dispute, including supporting documentation that proves the debt was paid in full and should not be listed as a collection account, the credit reporting agency failed to correct the information. This violates the FCRA, which mandates the accuracy and completeness of reported information under Section 611 ( a ) ( 1 ) ( A ).

Eviction Account : The eviction account listed on my credit report contains several inaccuracies, including the dates and amounts owed. I provided evidence demonstrating these inaccuracies, yet the credit reporting agency did not perform a thorough investigation, as required by FCRA Section 611 ( a ) ( 2 ). Their failure to correct or remove the inaccurate information demonstrates non-compliance with the FCRAs standards for accuracy and completeness.

Student Loan Account : The student loan account on my credit report shows an inaccurate payment history. Specifically, it incorrectly lists late payments for months when payments were made on time. Despite providing bank statements and other evidence to support my dispute, the credit reporting agency did not correct the inaccuracies. This oversight is a violation of FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 

Relevant FCRA Statutes Section 611 ( a ) ( 1 ) ( A ) : This section mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and ensure its accuracy and completeness.

Section 611 ( a ) ( 2 ) : This section requires that the credit reporting agency notify the furnisher of the disputed information and that both entities must investigate and report the results back to the consumer. 
Impact The inaccurate information on my credit report has significantly affected my creditworthiness, leading to higher interest rates on loans and difficulties in obtaining new credit. It is essential that credit reporting agencies adhere to the FCRAs guidelines to ensure the information reported is both accurate and complete.
Product: Student loan

Claims loan entered repayment in XXXX 2014, yet under the terms of the note, the loan has not entered repayment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

As far back as XX/XX/2021, I've been writing to XXXXXXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! XXXX months has been long enough. I want this account deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by XXXX, XXXX, and XXXX XXXX. I was also in a XXXX XXXX I was told I could skip a few months of payments by the redemption department. XX/XX/2019 needs updated as it wasnt missed. I was also military XXXX XXXX. I gave them a plethora of information. The phone team read the disclaimers and advised the XX/XX/2019 payment would be skipped as it was not due, but because of their redemptions teams error it is showing I missed a payment still. Please update this on all credit agencies. XXXX, XXXX, and XXXX. Please also provide me a letter in writing to both email and conventional mail once corrected I can have for my records. I can not speak on the phone due to a XXXX currently. Please fix this error asap. I should have no missed payments showing from your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. someone used my personal info to obtain a student loan. I contacted the creditor and the reporting equifax and submitted a ftc report along with a police report and they still are reporting inaccurate information damaging my credit.