23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi there, I just got off the phone with Radius Global Solutions and was told that I have a debt of {$650.00}. With this information they gave. It looks like this was an identity theft since they had my SSN. 

It is reported the charge is for XXXX XXXX services and failure to return the equipment in Nevada. I only discovered this because I kept getting a message from Radius GS ( I thought this was a scam ) and my credit score recently decreased by a significant margin. 

I have lived in California only since I moved to the US in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am Authorized user only ... .. Remove from my report. 
XXXX XXXX SS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX -- -- -- - As above XXXX XXXX is authorized user only as XXXX. BOTH authorized users XXXX XXXX XX/XX/XXXX. 

Please remove XXXX XXXX XXXX XXXX Authorized user only!!!!
Product: Debt collection

Bank of America violated FDCPA since they put summon paper outside my door and wind blew it everywhere some landed on my neighbor 's backyard door and my roommate saw these papers everyone outside, I called Bank of America to settle but they said I must talk to XXXX XXXX XXXX the so-called law firm they assigned to collect debt. 

See picture how wind blew the paper outside, some paper neighbor gave it back. 

I was improperly served since I never received the summon paper myself, instead it was blew everywhere and everyone around now knows. This is straight up harassment from Bank of America XXXX XXXX XXXX XXXX and it is very damaging to my reputation. 

Instead of attempting to sue them for damage, I called XXXX XXXX to settle so it won't cause more damage to my reputation. I'm currently unemployed occasionally doing temporary gig and freelance and living with roommates but I offered a lump sum payment of 25 % of debt to settle. If they agree I can borrow money from friends so I can settle this. I even offered up to 30 % of amount in lump sum as final offer but they refused and ask for {$21000.00} that's almost 80 %... I have seen people that owe Bank of America {$30000.00} settle for 30 %. Most credit cards settle for 25-30 %.

I have considered Bankruptcy since they keep harassing me with lawsuit, I have called XXXX, XXXX XXXX XXXXXXXX said Im judgement proof since I make so little and don't even have a car or house. I'm not sure I will proceed yet but one thing I do know is I need to let CFPB know about this unfair tactic to collect debt, this isn't right, pretend to have serve papers by putting it outdoor letting everyone in the neighborhood know.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$1800.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

On XX/XX/2020 I sent out a letter to validate my debt to Regional Acceptance. I  received a response today XX/XX/2020 with my account inquiry as well a letter that Regional acceptance sent to me previously with my balance on my account. In this letter it states that I owe XXXX on my account payment history it shows that I owe XXXX. Reporting wrong information is a violation of the fair debt collection practices act and a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

last XX/XX/XXXX i noticed 2 credit inquires, XXXX XXXX and XXXX XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to transunion to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to transunion. transunion told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. transunion said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or transunion. every time i asked them to mail me and transunion, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. XXXX XXXX XXXX XXXX XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my phone number is XXXX my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 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 accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

My lease date ended XX/XX/year>. I have documented this with emails sent to me from XXXX XXXX XXXX, The lease I signed for a new apartment shows I vacated on the day of the lease ending. The move-out report shows this was not due to any damage. Yet, they continued to assert this debt belonged and refused to supply anything to validate it. 

The office at XXXX XXXX XXXX had a new staff and they had my lease dates incorrectly put in their file. I let them know when I was leaving ( the date of my accurate lease agreement ) and then they charged me for breaking the lease, even though the lease was complete. 


I sent this information to all three credit bureaus, and they ignored my indisputable evidence, and did not supply me with proof of their claim. 
They just stated the collection companies reaffirmed the debt. 

This false reporting is affecting my ability to apply for credit, and is financially burdening me.
Product: Credit card or prepaid card

I purchased two XXXX XXXX tickets as well as travel insurance The tickets were purchased through American Express Travel The tickets were charged to my American Express card The travel insurance was purchased through American Express Travel Insurance The travel insurance was charged to my American Express card In XX/XX/XXXX I booked two round trip tickets from XXXX XXXX, California to XXXX, XXXX. 

Unknown to me at the time the borders of XXXX were not open to travelers from the United States and did not open until XX/XX/XXXX. Upon learning this I attempted to cancel the reservation. I was unable to actually speak to a human being at American Express Travel Services and, upon desperation, I attempted and succeeded in canceling the reservations on line. 

Since the time of the cancelation I have attempted to resolve a refund with each of the entities noted above. To date I have been completely unsuccessful. 

Getting XXXX resolution from any American Express entity, I tried to speak to representatives of XXXX directly only to be told " you must work through American Express, we can not talk to you ''. In frustration I contested the charge card charges in that I was sold two tickets which had no value. The dispute was dismissed by American Express immediately. 

As you will see from the attached documentation I have been receiving emails from American Express Travel since XX/XX/XXXX regarding the inability of American Express Travel to access the " portal site registration of XXXX XXXX ''. I have no idea what this means and I have confirmed with XXXX they have no idea what it means either.
Product: Mortgage

My loan was sold before I started paying and before I even got information to make a payment or how to pay. When the new company sent me information to start paying they said I owed XXXX ( XX/XX/XXXX and XX/XX/XXXX ) months worth of payments. I was told that my payments would not start until the loan was fully transferred. I did not get contacted by the new company ( Shellpoint Mtg ) until after my first payment was due nor any way to pay it. I got a welcome letter in the mail dated XX/XX/XXXX saying starting. XX/XX/XXXX I should make payments to Shellpoint. Am I a time traveler? STARTING XXXX. that is AFTER XXXX and it made sense why I was told my payments would not START until after the transfer was complete thus my first payment being due the following month. I had not gotten any information on how to pay my loan from my old company ( XXXX ). I even filed a complaint ( complaint number on document 1 in pencil. When i called back to inquire about the complaint I was later told it was an internal complaint and wouldnt hear back about it what is the point of that?!?
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMERICOLLECT INC
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX FIRST XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below that have appeared on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$820.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$230.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the Equifax data breach. The following accounts, and inquiries XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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: Money transfer, virtual currency, or money service

I was the victim of an attempted fraud on my checking account with CITIBANK. 

Three weeks ago I tried to make a money transfer from CITIBANK website when the system showed a similar message like " Its not possible to make the transaction, try again ''. 

At that moment I decided to call to customer support to know what was the problem, and the operator told me that my account was blocked due to there was a pending payment by paper check with suspicious activity. The paper check was made out to XXXX XXXX. Just to be clear I DO NOT KNOW XXXX XXXX. 

At this moment I created a claim in CITIBANK number XXXX and it is related to a previous claim made last year about fraud and identity thief from my savings account on the same bank ( CITIBANK ). With this it had been 2 fraud attempts to my savings and checking accounts on CITIBANK. 

On XX/XX/2020, I accessed to my bank account and I realized that on " Manage Bills & Payees '' section on CITIBANK website there was a register to XXXX XXXX, immediately I delete the record from my personal checking account. I have evidence of that and attached to this claim. 

I want to let you know that on XX/XX/2020 I went personally to a CITIBANK branch in XXXX, to change my personal address, personal phone number, account password and the recommend me to asked for a new debit card to avoid other issues in the future.
Product: Credit card or prepaid card

I am no more than 15 days late on my credit card payment with Discover. I have let the company know that I would be making my payment on Friday. Times are hard with me missing work in the beginning of the pandemic and catching up seems to be a never ending process but I will get there. The company continues to call me at least 6 times a day. This morning as I am on the phone with a rep from the company another rep was beeping in. I nicely explained to the lady that if they continue to harass me in regards to the payment I will not be sending them any money. A call a day is plenty.
Product: Mortgage

Since XX/XX/ I have been working with a hud certified housing counselor community partners for affordable housing and Illinois assistance fund applicant # During this process we have made numerous attempts to have Phh mortgage respond to said paper work that was sent to them with the attempt to resolve the shortage of mortgage payments through via government grant. IHDA has made numerous attempts as well as home owner, housing counselor and we keep getting either no response or that IHDA is not sending proper documents or they as in PHH mortgage is waiting for IHDA to respond. XX/XX/ had a zoom meeting with judge, mortgage counselor and Phh mortgage lawyer to close the case and resolve the shortage Phh sent a temporary loan mod of {$1300.00} per month for 3 months with no loan modification XXXX explained that we were waiting for IHDA to determine if I will recieve the grant and that the temporary loan modification was not affordable. IHDA has been requesting A payoff document as to determine the amount that they will need to send PHH mortgage to make mortgage current. 
AS of XX/XX/ PHH has yet to respond.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYSTEMS, Is trying to collect a debt that is time barred and also reporting illegal and inaccurate information on my credit report. This is a violation of the FCRA, FDCPA and more federal and state laws and statutes. Also you can not report late payments on an open end consumer report. 15 USC 1666b
Product: Checking or savings account

False charges to my account. I have called BOA multiple times, they have refused to follow the regulations of my type of account! They charged {$35.00} twice this month. Once for {$1.00} and once for {$15.00}. I have tried to explain that not only is my account set up for overdraft protection. It is also set up for direct deposit where {$12.00} monthly fees are suppose to be waived. Since there are frequent deposits set up monthly they are not suppose to charge that fee. This is what it says when you sign up for the account. Same thing with the {$35.00} a month fees. I was told that there is overdraft protection where my Savings and my Checking are linked for my protection of these fees. 

These regulations are not being applied to my account and when I call into the Customer Service Call Center I am being hard balled by their agents. 

I was told by their agents on multiple occasions recently, that there was a problem with the " system '' allowing the fees to be waived. 

For starters I have overdraft protection, and I can prove that the money was suppose to be pulled out and transferred to protect me from these multiple charges. I was told that they could not fix this problem, though my funds are always in there. 

It was to my knowledge that as the consumer I am protected by these rights and regulations of the bank and FDIC. So why am I getting these fees that are not properly being handled by the bank?
Product: Student loan

MOHELA has sent me new notification regarding interest on my student loans, however, I am on the SAVE plan and according to federal student aid as well as prior notification from MOHELA, I should not be a drawing interest while the save plan is under review with Congress. additionally, MOHELA has a different balance for me than federal student does.
Product: Checking or savings account

XX/XX/XXXX I received a payment from my unemployment that I been waiting on for 2 years was sent to the account. Between XXXX XXXX I was told additional info was needed. I turned in everything they asked for. So on XX/XX/XXXX I was told my account would be closed. That funds will be sent back to originator. 2 months later and I havent received that payment yet. I was told funds wasnt sent back from my back to file a report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX I took a month by month by month mobile plan with them with my own paid up phone. I was require to put a deposit plus 1 month payment ahead. I cancelled my services after about a year to take advantage of XXXX 's incentives and XXXX XXXX XXXX is charging me {$190.00}. They have used 4 collection agencies that had reported me to the credit bureau and I tell them the situation and ask them to produce a contract that I signed showing that I owe this and non can produce one and XXXX XXXX XXXX can not produce it. The present collectoris : Diversified Consultants Inc. XXXX XXXX XXXX XXXX, FL XXXX tel # XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.