23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Debt Recovery Solutions XX/XX/XXXX to request validation of a collection that showed up on all 3 of my credit reports. Debt Recovery Solutions reported on all 3 credit reports that I owe {$160.00}. I 'm requesting that Debt Recovery Solutions remove this collection of my credit. The validation that they provided showed that I had a diagnosis code of XXXX ( XXXX XXXX ) and a 6 digit CPT code XXXX and that I owe {$160.00}. I 'm not sure where they received this information, however my emergency room visit for Date of Service of XX/XX/XXXX was n't XXXX XXXX and I do not owe the amount the stated. I 'm asking that this company remove my collection from my credit report immediately. I reviewed my medical record and billing statement with XXXX hospital which shows that Debt Recovery has somehow managed to provide me with incorrect information after I asked for validation.
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and TRANSUNION 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or aroundXX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXXup until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and I am requesting for Experian to thoroughly investigate these fraudulent accounts without using E-Oscar system to verify them. Your company is violating my rights and I will be filing a lawsuit against Experian if these fraudulent accounts are not delete and removed immediately under FCRA 605B. These following accounts need to be deleted and removed immediately due to fraud and identity theft. Someone used my personal information without my permission to obtain these fraudulent accounts : XXXX. XXXX XXXX  Account Number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in 2019, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with TransUnion for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to trans Union to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the DA in XXXX right now. And the XXXX XXXX DA. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX I cant give much details
Product: Credit card or prepaid card

A credit card was fraudulently made in my name and it is affecting my credit score.
Product: Debt collection

I was contacted by the phone number XXXX on Tuesday, XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Good Afternoon my name is XXXX I'm calling on behalf of XXXX regarding notification of the pending compliant against XXXX XXXX. We need you to contact the issuing agent at XXXX and reference case number XXXX. This is an urgent legal matter requiring immediate attention. The failure to comply will result in further legal action. Please be advised the just call disapprove efforts of the made to notify you XXXX in regards to this matter all communications are monitored and recorded for legal purposes. '' The same number contacted me Wednesday XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Afternoon my name is XXXX I'm calling on behalf of XXXX  just regarding a notification on the pending complaint against XXXX XXXX. XXXX you need to contact the issuing agent XXXX and reference case number XXXX. This is an urgent legal matter that requires your immediate attention. Failure to comply will result in further actions being taken. Phone number once again for either you or your attorney to contact is XXXX. Please be advised proof of parts are made to notify XXXX and regards to the matter and all communications are monitored and recorded for legal purposes. '' The same number called again on Thursday XX/XX/2021 at XXXX from XXXX XXXX , NJ. The caller left a message : " This is an urgent message for XXXX XXXX. XXXX your file has been forwarded back to my office for noncompliance this time sensitive to prevent stop further actions from being taken against you. You need to contact issuing agent at XXXX reference case number XXXX. All communications are monitored and recorded for legal purposes '' The same number has tried contacting my wife on several occasions and left voicemails. 

I called the XXXX number back and spoke to a woman, she claimed I have a unsettled credit card debit with Chase bank and I am being sued in small claims court. I explained that I have no credit card debit and have been debit free for 5 years. She proceeded to argue with me and claim XXXX has a unpaid outstanding debit against me. She asked me to verify my last for digits of my Social Security Number. I asked why I had not received any notifications about this matter in the mail and she responded that the claim is moving forward to small claims court. At this point I realized this was a possible scam and told her that I need proof sent to me via the mail regarding this matter, she gave a run around answer and I told her to XXXX off and you do what you need to do as I will do what I need to do to report the scam.
Product: Debt collection

I received letter on XXXXstating i owed {$15000.00} in violations, starting from XXXX ( no " violations '' XXXX to XXXX ) .never heard of this before. I have asked 6 times for ALL documents, they say they do not have any, nothing in " my file '' and " what documents? '' after I requested waiver of ALL fines, they sent me letter : they took off {$14000.00} in fines now I " owe '' {$1000.00}, it must be paid by XXXX XXXX OR they will put back the {$14000.00} in fines.and if I have " repeated violations '' of previous infractions will result in the full amount of the fines being reinstated. 
This is complete blackmail and extortion. i do not know what so called " violations '' they are referring too, they sent me two different bills, with different dates and different amounts, when i email questions, they never answer. i have asked 6 times for information and documents. if " they '' deem a repeated violation they will charge me {$14000.00} again, which i do not owe. this is completely illegal. 
they have violated 8 prohibited practices for collection agencies XXXX XXXX
Product: Credit card

Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...
Product: Mortgage

Covid 19 CARES Act clearly states mortgage servicers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested mortgage payment relief for 180 days. On XXXX BOTW confirmed their offer of 90 day forbearance mortgage payment relief with balloon payment due at the end of the 90 day period. On XX/XX/2020 requested 180 days minimum with 1 year payment relief without penalty, interest accruement or balloon payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX, XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

This dispute is in reference to a credit card I had with XXXX issued through XXXX XXXX On XX/XX/2024 I made a payment of {$710.00} ( transaction # XXXX ) to get my account to a XXXX balance, immediately I realized I underpaid by XXXX cents, upon attempting to pay the XXXX cents their system would only take a minimum payment of {$3.00}, so I paid the extra {$3.00}, ( transaction # : XXXX ) which brought my total payment of {$710.00}. I contacted XXXX and explained that I made a payment to conclude my balance and need to close my account because I no longer wish to do business with their fraudulent company. I was assured that my account showed a {$0.00} balance, I requested a letter to verify this. and was sent a letter showing the XXXX balance right away. XXXX owes me {$2.00} but has since been reporting to all 3 credit bureaus that I owe them {$2.00} and has been charging me interest rate and bogus late fees on the {$2.00} that they owe me. They have reported that I am over 3 months late which is bogus, fraudulent, and inaccurate reporting. XXXX and XXXX XXXX  has made a havoc of my credit report and has caused me a lot of emotional grief over their lies, and fraudulent reporting. I still have the email with the attached letter proving the XXXX balance which I have attached to this complaint.
Product: Debt collection

Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' XXXX XXXX, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with USAA. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from XXXX. I have attached also most recent Consumer Loan Statement, from USAA, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked USAA to remove my name from loan, and it was refused. 

I ask that USAA make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE XXXX LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.
Product: Mortgage

This is a home equity loan obtained in XXXX and discharged through Chapter XXXX Bankruptcy in XXXX. Due to extreme financial hardship I applied for loan modification in XX/XX/XXXX. I am writing to report the predatory and disingenuous methods in which this process has been handled by CitiMortgage. These methods are clearly designed to confuse, frustrate, and dela y the borrower and make an already desperate situation worse.. Briefly stated these methods include : Letters sent from the home office giving borrower a false sense of security, repeated requests for the very same documents, correspondences originating from different sources : home office, text messages, and emails and phone calls from representative, and promises of weekly telephone updates never fulfilled. All of these messages are different and divergent in nature. I have sent numerous emails for which I have had no reply. I have documented and saved every email and conversation. 
My most recent contact from CitiMortgage was from the representative that all documents were received and complete. The following day I received a text stating Your hardship application is with underwriting which can take 30 days. Well keep you advised. This was on XX/XX/XXXX. Since that time, I have received four Notices of Intent to Foreclose. One of these was registered mail the other 3 regular mail. I have sent 3 emails to CitiMortgage requesting  an explanation. All have been ignored. 
I would be most appreciative if you can investigate this matter and assist me as I try to go forward with this much needed modification. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX C- ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Vehicle loan or lease

I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.
Product: Money transfers

I got scammed when buying a XXXX in XXXX of Legends, which is boosting from platinum XXXX to diamond XXXX. The seller asked me to send to money through friend/family. Now he never reply a single message from me through XXXX.
Product: Debt collection

I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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. 

Please remove these asap.
Product: Mortgage

This is second request for help the mortgage company Select Portfolio Servicing, all repairs to my home have been completed. The mortgage company has been holding the money in an escrow account. They refusing to pay the contractor the money from the escrow account. The contract is owed XXXX from they which is in the escrow account.