23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I woke up Thursday, XX/XX/2021, to an email saying I had something negatively impacting my credit score. I open XXXX  to see I have a {$660.00} collection from Southwest Credit Systems that was opened XX/XX/2021. 
I literally have not even spent that much money in over a year nor do I have any accounts open on anything. I live at home with my parents why I do not have a single bill to pay. 
I never received a letter in the mail, I never received a phone call, and I never received any type of notification if this collection was even real. 
I decided to dispute this over XXXX recommended system and nothing has been resolved yet.
Product: Mortgage

I have an FHA mortgage loan with Nationstar Mortgage and have been struggling with my payments due to a decline in income. I have attempted to obtain mortgage assistance from them, but their efforts on my requests have been a miserable failure on their part. Every time I would send in them the requested information, they would claim that they didnt receive it and then at other times they would say that the information was incomplete. However, I always sent them what they wanted. They have also never sent any written denials or written closures of my file. I was assigned a single point of contact, but he was unable to get the loss mitigation process completed. It has been six years of trying to deal with them and finally they set a sale date on my property. I was having financial difficulties, but was still current on my mortgage payments, when I initially contacted them for help. They said there was nothing they could do since I was not delinquent on my loan. They advised me to go late on some payments and that they would help me. Well, I did what they said and it has been a nightmare. I am now in foreclosure and they are going to take my home away. I believe that they saw that I have significant equity in my home and they are trying to take it away from me for their own profits. Their process and employees seem very confused and I can not get answers, but that has not stopped them from trying to sell my home. I can afford a reasonable payment, but they have completely shut the door on providing assistance. They should at least finish the review they started using my current financial circumstance to see if I qualify for a retention option, instead they are taking my home away through foreclosure. I get letters from them saying they will help, but when I call in to they never help. I have worked very hard to reestablish myself and deserve the right to have my mortgage reviewed for retention options.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


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

Ditech is applying my mortgage payments to corporate advances. I contacted Ditech in XX/XX/XXXX to determine what the advances were and get an itemized detail. To date and over 30 calls, fax requests and written mail requests - Ditech has never provided this information. To keep the account in good standing, I asked them if I could make payments and apply to the mortgage but their system does n't have the flexibility. I am disputing the advances, however any payments would be applied to the advances before my loan. My complaint is I am being charged for a fraudulent services that were never provided or unnecessary and without my knowledge and Ditech is shuffling me around without providing proof of such services.
Product: Debt collection

ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
Product: Credit reporting or other personal consumer reports

There is a collections company by the name of Williams rush and Associates who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.
Product: Credit reporting or other personal consumer reports

Re : VIOLATION OF FCRA 605B BLOCKING REQUIREMENTS Reference : Identity Theft Report Submitted XX/XX/XXXX To Whom It May Concern : This letter serves as formal notice that Equifax has flagrantly violated FCRA 605B [ 15 U.S.C. 1681c-2 ] by failing to block fraudulent information as required by law. Your response of XX/XX/XXXX, to my complaint submitted on XX/XX/XXXX is an unacceptable attempt to delay compliance and constitutes willful noncompliance with federal law. 

ITEMS REQUIRING IMMEDIATE BLOCKING XX/XX/XXXXDOCUMENTED VIOLATIONS : 1. Timeline Violation : Identity theft report submitted : XX/XX/XXXX Required blocking deadline : XX/XX/XXXX Your response date : February 4, 2025 Days in violation : 16 and counting 2. Improper Response : Requesting duplicate documentation already provided Failing to implement required blocking No notification of blocking decision within the required timeframe No legitimate basis for blocking denial provided LEGAL REQUIREMENTS VIOLATED : Under 15 U.S.C. 1681c-2 : 1. You are required to block alleged fraudulent information within 4 business days of receiving a valid identity theft report.

2. You can only decline to block the information if : The block was requested in error The information was blocked due to material misrepresentation The consumer obtained goods or services through material misrepresentation None of these exceptions apply to the information in question, and you failed to make such a determination within the required timeframe.
Product: Checking or savings account

On or about XX/XX/year>, I submitted a grievance against SoFi Bank regarding arbitrary limitations on my mobile check deposits and holds on funds without cause or XXXX, having a longstanding account in perfect standing without so much as a single returned check over the course of my banking tenure. After submission of this grievance and engaging local media, I was advised that these matters had been resolved in full only to again encounter said check hold and limitations after another mobile deposit on XXXX XXXX XXXX XXXXXX/XX/year>. 

Please be advised that I wish to speak to SoFi Bank Senior Management on this matter as their scripted emails do not address my concerns, and is simply a scripted response to my request for urgent assistance.

Please be further advised that I kindly request that my communications do not go neglected, as I have several times requested expedient contact via telephone from a senior banking representative to aid in this issues immediate resolution, to no avail thus far.

As noted, my account has been open for several years, and always in perfect standing after my most recent grievance with XXXX XXXX XXXX  and local media in XX/XX/year>, I was u see the advisement that this issue of the arduous and lengthy holds ( as well as deposit limits ) had been resolved. As advised, these sudden and arbitrary limitations greatly impact ones ability to facilitate banking needs, and with my longtime tenure with SoFi Bank, I request expedient remediation as previously requested. As a longtime customer, one should not have to be beholden to a computer system placing extended holds without merit on ones checks and I once again request a point of contact to aid in this and my banking inquiries herein moving forward. 

SoFi Bank regrettably views its customer as nothing more than a number, and refuses to speak to their customers whom are experiencing hardships and profound issues with their account a facet that all future consumers must be made immediately aware of. 

Please note that it is my hope to ensure this matters immediate resolution at this level. 

Kindly escalate this matter for resolution and thank you kindly in advance, to be addressed via telephone as soon as possible.
Product: Debt collection

I have been paying Pressler and Pressler faithfully every month on a debt that was originally around {$2300.00}. The balance is now around {$1000.00}. This morning XXXX/XXXX/XXXX, I received a phone call from one of their representatives, telling me that I could avoid future legal action by entering into a formal payment agreement. They have a default judgment against me, have already wiped out my bank account. I am paying them and they are STILL threatening more legal action. The original debt was a cable bill that dates back to XX/XX/XXXX. Before they got the default judgment, I contacted them and asked who the creditor was. They refused to tell me. Who in their right mind would send money to a post office box after receiving a rubber stamped, computer generated letter from someone who refuse to tell you who you owed? This is a scam. I need answers. I ca n't enter into any sort of agreement with another party that has already shown that their word is no good, consequently they are threatening more legal action.
Product: Vehicle loan or lease

when trying to make a payment online on the day it is due, capitol one will not accept the payment and forces you to note the payment made on the following day. then they give you a late payment date. date payment due. XX/XX/XXXX, attempt to make payment, XXXX XXXX act. # is XXXX auto loan. XXXX XXXX made the amt. due payment of XXXX on the XXXX of XXXX but XXXX XXXX would not accept the online bank debit payment until the XXXX time of attempt approx. XXXXXXXX XXXX XXXX XXXXXXXX payment are due on the XXXX of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, Equifax and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.
Product: Credit card

I opened this credit card XX/XX/XXXX. I have never been late with any payment. I use the card for a majority of all my purchases. I have a credit limit of {$2000.00}. 

On XX/XX/XXXX, I make three payments. One was the balance on account for {$360.00}. I also made a payment of {$2000.00} and another for {$1500.00}. These payments cleared my bank on XX/XX/XXXX. 

I made a purchase/charge for {$1700.00} on XX/XX/XXXX. 

I was going to make another purchase/charge for {$1700.00} but the credit card company put a charge, which they said a " hold '' on my account for {$1500.00}. The said it was for 10 days. I asked them if I owe them anything and they said " no ''. 

I don't owe anything on the card, but yet I only have {$500.00} availability on my card. 

I was trying to pay an attorney and I wanted to be able to track the {$3500.00} purchase on my card, so I made the payments so I would not go over my {$2000.00} limit. Now, I can't even use my card as they are keeping my money. 

I want the hold of the {$1500.00} removed so I can continue with my purchase of {$1700.00}. 

I have perfect credit and have never done anything to deserve to be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Equifax :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Equifax : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Product: Debt collection

My carrier of the XXXX XXXX XXXX  delayed to pay my medical fee to XXXX XXXX. My carrier paid medical fee on XX/XX/2022. The debt collector issued the letter on XX/XX/2022. It looks like the letter from debt collector, ARStart went wrong. Please see the attached file of the EOB.
Product: Money transfer, virtual currency, or money service

I am writing to request a reconsideration of the suspension of my Paypal account to the email XXXX. My account is suspended due to high risk.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.
Product: Credit reporting or other personal consumer reports

I disputed these 3 Accounts XXXX, XXXX & XXXX XXXX XXXX I disputed the accounts challenging its accuracy and completeness. The letter I sent to XXXX, XXXX and Experian are dated XXXX XXXX, XX/XX/year> and XXXX XXXX. These XXXX accounts are still being reported inaccurately by reporting three different Dates of Last Activity, three Different Last Payment dates and reporting Missing/Incomplete information such as NO Closed Dates that are being reported on CLOSED accounts. I have given the consumer reporting agencies chance after chance to correct the errors and update my credit report in which they continuously failed to do so. They continue to violate my rights under the FCRA by reporting false, inaccurate, erronoeus and misleading information even after I told them and presented to them facts of my concerns that I needed to be addressed. I have attached my previous dispute letters in an attempt to correct my credit report so I can finally be approved for a new house so my family and I can obtain a little more peace in our lives. Specifically my right under FCRA Section 623 ( a ) ( 3 ) has been violated which says that If I dispute any information I believe is not accurate, then I have the right to do so and the Credit Reporting Agencies must not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. In this case XXXX, XXXX, and Experian failed repeatedly to enter the notice that I disputed the accounts XXXX XXXX & XXXX XXXX and purposely decides to report fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.
Product: Money transfer, virtual currency, or money service

This is my second complaint against Ally Auto. On XX/XX/XXXX I sought to pay off my vehicle. I was given incorrect account information and as a result XXXX was missing for over a month. After contacting CFPB, Ally returned my vehicle, retrieved the money, and provided me a PIF ( paid in full ) letter. XXXX XX/XX/XXXX, I received a letter from Ally basically trying to swindle me out of more money when my debt to them has already been paid. They lost my money, made me get a third party involved before they even attempted to find it!!!! Now they are threatening to hold onto my title until I pay more money that I actually dont owe!!! Its ridiculous how much they have tried to scam and get over on working citizens. I have included all previous paperwork along with what I recently received. I would this issue resolved indefinitely. I want Ally to give me my title. I would like this off my credit report and more updated paperwork from Ally stating they no longer hold ANY interest whatsoever on my vehicle.
Product: Money transfer, virtual currency, or money service

I bank with BoA. An ACH check was drawn from my account into a XXXX XXXXXXXX XXXX  check. The payee received the check and is holding onto it, but doesn't want to cash it because it was made out to the wrong person. We all want the check to be canceled and my account refunded. 

BoA is unable to get the check canceled or refunded back to my account. This if for ~ $ XXXX and it appears the money is lost. BoA is unwilling to credit my account while they resolve this issue between banks.
Product: Debt collection

Caine and weiner is reporting negative information to my credit without authorization, without validation or verification of debt. Without consent ( there had been no new contract drawn up ). Information and break down of the money saying I owed and what is it for. A record of all book keeping information related to this account including GAAP RECORDS. I am requesting documentary evidence on this entire account including before my personal information was sold. Caine & Weiner is participating in fraud by using my name and likeness without consent. It is a federal crime to use extortion to compel someone to behave in a certain manner. I.e negative credit reporting in hopes of a payment.
Product: Credit card or prepaid card

I am submitting this complaint against HSBC Bank for closing my accounts for retaliation against me. 

In the past, I made complain against HSBC Bank for not resolving fraudulent purchases on my credit card, complaint number { XXXX }. HSBC never respond to that complaint, but go ahead closed all my accounts with them ending XXXX and XXXX. Stating that after reviewing my accounts they decided to end a relationship with me. I called and ask HSBC to give a reason why they decided to closed my accounts, but they never give me any answer. 

In my opinion, HSBC closed my accounts for retaliation and violation of the fair credit rules. 

I am requesting this department to take appropriate action against HSBC Bank to protect my rights. And also request HSBC Bank to bring all the balance on those accounts into XXXX because they have violated the terms of those accounts.