23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My dispute is with the creditor, as you will see in the attached email chain. The creditor, XXXX fraudulently tried to charge me triple for treatment I received earlier this year. I emailed the creditor advising I disputed the fraudulent amount and I wanted to clear this up, and as you will see in the attached copy of the email chain they responded that someone would be in touch with me. I never heard back, and you will notice I emailed them again to follow up, but heard nothing. Now, I am receiving a dunning notice from XXXX ( copy attached ). While I understand that my communication was with the creditor, per the communication from the CFPB the debt collector is responsible for performing due diligence on new placements prior to making collection attempts to determine if a dispute exists. I received no verification of the debt or response to my dispute, but collection activity continued in the form of my receipt of this dunning notice. This constitutes a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a third party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from Citi. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1661 states that NO credit reporting agency can report an open end account as late for an purpose or for any reason XXXX XXXX XXXX XXXX XXXX Is being reported as a late payment and should not be reporting as such 15 U.S.C 1681 SECTION 602 A. states I have the right to privacy 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting Incorrectly on my credit profile -DATE OPEN does not match with other bureaus -LAST REPORTED does not match with other bureaus -DATE LAST ACTIVE does not match with other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two items from this company on my credit report that are in accurate. I have never been nor done business with radius global solution or the alleged XXXX XXXX XXXX. I sent a validation request and received nothing in return. 

This was not me nor do i have knowledge of the alleged debt
Product: Credit reporting

I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Product: Credit card

I am being garnished wages for a credit card purchase in 2009 I did not make
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.
Product: Checking or savings account

three months ago the bank blocked my account due to fraud alert. After being bounced around between departments throughout many phone calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different phone numbers all of which they were misteriously unable to reach, mi SSN, my mailing address my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing address with a security code. 
It's been 3 months. The letter never arrived. I've called more than 10 times in the meantime, all of the times they refuse to engage in conversation with me after claiming to be unable to reach my phone numbers on file, and hang up after telling to wait for the letter. I have been denied access to my money and savings for 3 months now and have not been able to even file a formal complaint with them because they have no such department. I NEED HELP
Product: Debt collection

First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Credit card

I applied and was approved for a secured credit card with First Progress Card. I placed a {$200.00} deposit on the card. The company says a card was sent but it was never received. They confirmed the card was never activated. They charged me a {$49.00} annual fee then late fees on late fees until they closed the card and reported it negatively on my credit, despite the fact the card was never received, activated or used. When I called to resolve this, they told me I owed an additional {$2.00} and refused to provide contact information for their corporate office. They closed the account without my knowledge and report negatively on my credit.
Product: Mortgage

XXXX XXXX Midland Mortgage is who i am with have had nothing but trouble from them they have lied to me they say i am be hind i have sent them prove where i have made all my payments and have old payment books to prove but i am tiered dealing with them i cant refinance becouse they show me late or somthing is that against the law to show false creadit agaist some one? You let them try and take my house after paying 20 years on it and see what happens.I have tryed to get away from them and can not do.I am thinking about selling to some one i know for pay off and see how they like that.I think this company iare crooks i want away from them some how some way i will not take to them they get me so XXXX mad sorry.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has been calling me since XX/XX/2021 for a medical debt I had not received any bills about. These people call at least six times a day, do not provide names or company name unless I provide personal information to verify who I am, including a social security number. If I don't give this information, they keep calling anyway. 

After contacting the place I say I had debt with, I discovered the debt amount and billing date do not match up with any medical issues I had, and the place I had the debt with confirmed they did not have any records of this false information. XXXX had advised I had insurance cover part of this debt, as well, which was not possible according to insurance. 

Now, a couple months later, they are contacting me again. I had sent an email to them, as well, explaining and documenting the situation, and it has gone nowhere. They do not care if I don't want to be contacted, and will not stop. They call every 30-60 minutes except for a couple hours in the middle of the day, starting XXXX and ending XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am divorced from a very XXXX man it has taken me 6 six years to free myself from him, this company found my Ex-husband looking for me. He went to my work today, however my employee knows of the XXXX and would not let him see me. he than waited by my car to tell me the company contacted him looking for me. This man is abusive physically and mentally by them calling they have now put my life in danger. I work in a place that now has to watch out for my visitors. How can they be allowed to just risk a persons life without finding out the details. This is awful from this point on I will be documenting all contacts with the company, if something should happen to me it will be on them
Product: Checking or savings account

My debit card number was used on XXXX XXXX XXXX XXXX XXXX XXXX. I didnt receive any notifications that my card was used, a week later my card declined so I checked the app and noticed multiple transactions totaling {$1500.00}. This occurred thru XXXX XXXX XX/XX/XXXX. I immediately contacted Current about the unauthorized charges ( which uses XXXX XXXX XXXX as the issuing bank ) I received a form & filled everything out regarding the unauthorized charges. I was told the investigation could take up to 90 days. Fine, thats the law. I contacted a month later regarding a update and was told it would be expedited and I would receive a update soon fast forward to 2 months 91 days since the dispute was filed and I still have yet to hear anything. I contacted them on the 90th day and was told that it would be expedited again. I asked if they knew the law was only 90 days and was told Yes, they knew but they couldnt do anything. I just want my hard earned money back! 


Checking account # ending in : XXXX
Product: Mortgage

In XXXX I refinanced my loan -- and, the closing documents did not include a date when the date for rescission expired. As a result, my period for rescission, under Reg Z, was extended to XXXX years. In XXXX I sent Bank of America a letter of rescission, and received a letter back from their attorneys denying the rescission. 

In XXXX of XXXX, the Supreme Court in XXXX versus Countrywide ruled that the only thing required to rescind a loan, is a letter stating that the consumer is rescinding the loan. At that time they have a 20 day window in which to file an opposition lawsuit -- and if they do not do that -- the Supreme Court states that the loan is rescinded by operation of law. Bank of America did not rescind my loan, and subsequently conducted an illegal Trustee Sale, and an even more illegal 3rd party sale of the property to XXXX. 

I am now fighting an illegal eviction from a party who, according to the Supreme Court, can not possibly 'own ' my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister in law lease a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX , XXXX. I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/2018 she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from XXXX XXXX/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. XXXX XXXX XXXX XXXX XXXX has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/2018 and that it was financed by XXXX XXXX/Ally and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not the same company and are not related. They also told me that I had to contact XXXX XXXX/Ally and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX Ally and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/Ally ( account is current ) and yet XXXX XXXX XXXX XXXX XXXX is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I engaged in a transaction for the amount of {$360.00} USD to purchase clothing from XXXX XXXX. I received the package on or around the XXXX day of XXXX, XXXX. When I received the package, it was empty. There was no merchandise of value whatsoever inside the package. I contacted the merchant, XXXX XXXX who said they were unable to issue a refund. At that point, I filed a dispute with capital one online. I was issued a credit by capital one on or around the XXXX day of XXXX, XXXX. I was not given any update on the dispute by mail or electronic notification. I was never asked for more information from Capital One. With this being said, on or around the XXXX day of XXXX XXXX, capital one reversed the credit without explanation. On or around the XXXX day of XXXX, XXXX I spoke with 4 different individuals at capital one, to wit the final individual disconnected the phone without giving me a resolution.
Product: Mortgage

servicer, Wells Fargo, is not complying with CFPB guidelines to provide a decision on a short sale application within 30 days. it was submitted to them in late XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report
Product: Mortgage

I closed on a mortgage loan on XX/XX/XXXX. A check was issued by mail overnight to me in the sum of {$11000.00} of extra money. I then took the check, deposited the check and immediately sent an electronic transfer to Goodleap the finance company. at this facility I have also a solar panel loan which Ive had for two years. I found out on XX/XX/XXXX that the funds intended for my mortgage in the sum of {$14000.00} an additional XXXX on top of the XXXX from the extra money was deposited to the solar panel loan instead of my mortgage line. I have requested the money back on the XXXX I received the check finally today which is XX/XX/XXXX at XXXX XXXX I also had requested that this company would reimburse lost interest due to the XXXX not being applied to my mortgage which accumulates interest on a daily basis. As of XX/XX/XXXX the mortgage went over to a new servicer called XXXX XXXX. I had requested that they try to do the transfer from the solar loan back to my mortgage loan before XX/XX/XXXX because thats when my account started occurring interest on a daily basis which that equals to {$24.00} and some change a day. today I go to the bank and Ill take the check and deposit so I can send the electronic transfer today for them to receive it tomorrow to go on my mortgage. I have got to wait now to XX/XX/XXXX before the bank will release my money because Goodleap institution of banking they use has refused to verify funds in the account so now at this point in time by the XXXX I will be losing, the sum of close to {$500.00}. I have made numerous contacts every day to this company they have put me to voicemail every time Ive sent numerous emails, which I will be glad to forward to you all about the situation they will not contact me so I am now contacting you, I feel due to their negligence and placing moneys in an account that did not match what the account number they were supposed to put it into, they owe the interest that this money has lost on a daily basis from that loan. Thank you for reviewing this and I hope to hear from you soon I am very frustrated {$14000.00}. Isnt a small chunk of change. I will be sending only the main correspondence with this company if you need more feel free to contact me
Product: Debt collection

Sent a Debt Validation letter to JEFFERSON CAPITAL SYSTEMS which was ignored but XXXX was able to verify the debt as accurate without providing a report or evidence that the company was able to verify the collection as accurate. I was recently a victim of Identity theft and I notified XXXX of this event but the report was verified as accurate extremely quickly. I believe no investigation was done, because XXXX investigated the same debt collector and determined that the collection was not valid. XXXX did not do its due diligence on this claim.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.