23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, XXXX, I received a credit alert that there had been medical collections placed on my credit report. I'm closing on a home XX/XX/XXXX and these medical collections has hauled my closing. On XX/XX/XXXX, I called Nationwide and spoke with XXXX I asked about the collections and explained I had not received notice in the mail. I explained that I need to have these removed because I was in the process of closing on a home. I asked about date of service she stated in XX/XX/XXXX. I did not argue about the bill because I needed these to be removed so that I could proceed with my closing. I asked XXXX if I paid would these collections be removed, she stated that they would be. I asked if she would be able to fax me proof of payment so that I could submit to the loan officer. She stated that should could only give me proof if I come into the office in XXXX XXXX, Illinois and made the payment. 

I then reached out to XXXX on XX/XX/XXXX and explained that I would be coming into the office to pay. Once I arrived I spoke with XXXX, the receptionist. I explained that I need to pay collections and I needed itemized bill from hospital showing what I owed. She stated that the lady that handled that account is out of town and would return next week, but XXXX would fax over the itemized bill and the collections would be removed the XX/XX/XXXX which is when Nationwide ran information to credit bureaus to be removed. 

On XX/XX/XXXX I received another alert that Nationwide had placed the same collections again on my credit reports after I had paid the accounts off. Now I can't move forward with closing, in fact the deal may fall through because of these four collections which two of the collections are duplicate? 

The way that Nationwide  had damaged my credit is unfair and it could cost my dream of being a first-time home owner to be lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to Experian requesting their help to investigate and verify the account 's information and have it corrected to appear accurately on my Credit File. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need you to remove the late dates from this account ASAP : XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to XXXX XXXX XXXX about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!
Product: Debt collection

I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.
Product: Mortgage

Nationstar Mortgage provides payoff for loans only through the last day of each month. If you loan closes XXXX XXXX, you are required to pay them interest through XXXX XXXX no matter what. Then, once interest is paid to them through XXXX XXXX, they keep your money another thirty days before sending the refund. In the above scenario they have use of your money for almost 60 days. This must be a lucrative business for them in that they have thousands of consumer 's money to invest for periods of time. In my case, it is {$1600.00}. I can only imagine what they are making on the float of all consumer 's money. This should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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: Debt collection

Hi. I recently bought a cellphone and I keep getting this phonecalls from a company named Prestige about a debt on a Honda for someone named XXXX. I am not XXXX, I do not know anybody with that name and I do not own a Honda or any car at all! : ( This is what they say everey time they call : XXXX, we have made several attempts to contact you in order to secure payments on your Honda. I am not requesting money today however need a valid arrangement to prevent you loan from defaulting. Please call me back, XXXX. 
I am on the no call list for over XXXX months now. I keep telling them to remove me of the call list but they wont listen. 
I blocked the phones over and over again but they keep changing. Here are some of the numbers they have used. 
Please, help me! : ( they call every day! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing in response to a phone call on XX/XX/2018 because I do not believe I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : ( 1 ) the alleged amount of the debt ; ( 2 ) the name of the creditor to whom the alleged debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Florida Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this alleged debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the alleged debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law.

you do not have to respond to this dispute but if you do, any attempt to collect this alleged debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this alleged debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this alleged debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Money transfer, virtual currency, or money service

have an unauthorized transaction on paypal which I did not know about
Product: Credit reporting or other personal consumer reports

Inaccurate information keeps being reported in my credit report with Experian, I have disputed the same information several times with experian and they still report inaccurate and private information without my consent. When asked to provide statements and reports on how information was found to be accurate, I get no response from experian.
Product: Mortgage

Due to covid, my spouse and I suffered reduced hours and also job loss, so the mortgage company allowed us to go into forbearance XX/XX/XXXX, with an end date of XX/XX/XXXX. We then contacted them to get the additional 3 months forbearance that the Cares Act provided, since this would help us tremendously. The only option they gave us was doubling up our current mortgage amounts to {$3400.00} monthly beginning XX/XX/XXXX, and lasting for 12 months to bring the mortgage current. We contacted them to say, doubling the payment that we already had difficulty paying would lead us down the path to foreclosure. They also said they can not offer a remodification, and this is all they can do to help us. While in discussion with their representative, she told us to consider liquidating our home, after we told her we are raising our XXXX children here and we do not want to lose our home. We advised that we have many other bills and responsibilities that we have to keep up with, along with the mortgage but they are just not willing to offer any other resolution. Please assist us in resolving this matter.
Product: Debt collection

Request for Removal of Unauthorized Hard Inquiry Due to Data Breach Dear Sir or Madam, I am writing to formally request the removal of an unauthorized hard inquiry on my credit report, which I believe was made in error or as a result of a recent data breach that compromised my personal information. I am also requesting that this matter be reviewed under the guidelines of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Details of Inquiry : Creditor/Company Name : JPMCB CARD Date of Inquiry : XX/XX/year> Type of Inquiry : Hard Inquiry I was recently notified of a data breach involving the credit bureaus that exposed my personal information. Given the timing of this breach and the unauthorized nature of the inquiry, I have reason to believe that this inquiry was made without my consent, and may have resulted from fraudulent or mishandled information. 

As the inquiry appears to have been made without my authorization or knowledge, I am requesting that the hard inquiry be immediately removed from my credit report. Additionally, I ask that any further actions related to this unauthorized inquiry be halted until this matter is fully resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Given the circumstances surrounding the data breach and the lack of authorization for the inquiry, I request that you investigate and take the appropriate steps to correct my credit report. 

Please confirm receipt of this letter and inform me of any necessary next steps. If you need further details or supporting documentation, feel free to reach out. 

Thank you for your prompt attention to this matter. I trust that this issue will be resolved in a timely and thorough manner. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

THIS IS THE THIRD COMPLIANT I AM FILING ON THIS AND PART OF THIS MATTER As of XX/XX/year> Ally refused to waved a INCORRECTLY assessed late fee off {$170.00}. 

I was put on a payment program since XX/XX/year> The program was structured for me BY ALLY they set the AMOUNT and DUE DATE They preauthorized the ENTIRE programs payment through XX/XX/year> at the time ALL of the payment were PREAUTHORIZED AND AUTO DRAFT ALL PAYMENTS were paid automatically on het date of XXXX they selected for me ALL PAYMENT were made ON TIME Each month my account shows a break down of the payments. At the end of my program, as I went to pay for the XXXX it was then I discovered a {$170.00} worth of ACCUMULATED late fees. NO WHERE were these fees disclosed each month I made the payments. See attachment. 

Ally continue to refuse to remove these fees when then entire program, amount, due date was all set by ALLY. 

They also continue to report my account late through XXXX when XX/XX/year> payment was made with in grace period. 
XX/XX/year> payment was made XX/XX/year> even if to be specific is 20 days late If ALLY claims to have the right to collect the late fees, WHY WAS THE LATE FEE NOT INCLUDED IN THE MONTH PAYMENT AS PART OF THE PROGRAM. WHY WAS LATE FEE PRESENTED AFTER MY ENTIRE PROGRAM WAS PAID " ON TIME AND AUTOMATICALLY ''
Product: Money transfer, virtual currency, or money service

This online Money Transfer firm called Wise located at www.wise.com, closed my account and DID not refund all my balances outstanding. They refund two items, and one item of approx {$3000.00} USD was never refunded to me. 

I have diligently attempted to seek clarification and resolution by reaching out through multiple emails sent to supportrepy @ wise.com ; however, regrettably, I have not received any responses to date. 


This transpired around XX/XX/year>. 

Given the nature of this matter, I believe it is essential to bring it to your attention promptly. I would greatly appreciate your assistance in resolving this issue and providing an update on the status of the outstanding refund. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Truist bank did not recover XXXX transfers I made even though I explained they were fraudulent/scams. 

The most recent was in early XXXX XXXX for {$100.00}. 

Truist bank basically said, there's nothing we can do.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer profile evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian had neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am one of the victims of Ameritechs fraudulence. They claimed they would lower my repayment and acted as a go between on behalf of myself and my government loan. I paid them {$89.00} a month for over a year. I must have paid them a couple thousand dollars, for no reason. When I tried to end business with them, the representative on the phone pressured me to stay with them, otherwise they said I would be making a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was discharged on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX XXXX  our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Product: Mortgage

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Every time we call we get a different representative that has no knowledge of our account or whats going on with our account just whats on the screen in front of them no notes on the account so called left by the previous agent weve spoken with so weve been dealing with this issue for a whole year now this company doesnt take any kind of accountability on their screwup, but they continue to rest solely on us blaming us. Ruining our credit by false accusations, misleading information, and false claims And disorganized payment processing. They can not explain or articulate how we went from being a month ahead on our account for the last 5 to 6 years to falling behind a month starting back in XXXX XXXX XXXX. Because of their negligence, so as the consumer, we get treated very disingenuous damage credit report that enable us to go anywhere else to get a mortgage from someone else because of there derogatory reporting To the credit agencies and we continue to have problems with this company and we set up a payment arrangement to get the account back on track but they continue to screw things up and report us as being late even though they get a payment that we call in and make for the last 6 months but they still continue to give us harassing calls at our work place not soon after they just got a payment over the phone and to make matters worse, they send strange people out to our residence to see if were still living at the property in which is very contradicting when you call over the phone and speak with a representative in making a payment you have to verify that youre still living at the property!!!!!

And furthermore you can see Truth to my claim Mr Cooper has a B- rating with the XXXX XXXX XXXX XXXX , but it is not accredited. In 2021, the Consumer Financial Protection Bureau received XXXX mortgage-related complaints about Mr. Cooper. The most common were related to trouble during the payment process and application process and struggling to make payments.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ Macy 's ] [ XXXX ] XXXX : [ Macy 's ] [ XXXX ] XXXX : [ Macys  ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to purchase health insurance and called XXXX for health insurance and had no idea it would not be legit. The lady was very helpful and told me it was the Affordable Care/Obamacare and I qualified for {$190.00} a month. I was transferred to an agent after I was on recorded line and they took my personal identification information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit file. 
Please remove the following accounts from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX