23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/20, Hunter Warfield called my job back to back within a 1 minute span. Hunter Warfield has my personal cell and my personal email. Thus, using aggressive and intimidating tactics by calling my place of business is unnecessary. Proof of calls attached. I have also made this company aware that I can't accept personal calls at work.
Product: Debt collection

A debt has been continuously put on all major credit reporting agencies. 
This debt was never owed and XXXX COULD NOT PROVIDE ANY SIGNED DOCUMENTATION. 
This has been going on for years now and has been removed with your help. 
Complaint ID XXXX Complaint ID XXXX This is harassment to the point of criminal.

now involving two collection companies with no proof of a debt. 

( XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is not mine. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX  XXXX and noticed 2 inquirys that I never authorized and had no idea about. 
First inquiry was XXXX XXXX XXXX date : XX/XX/XXXX  2nd unauthorized inquiry XXXX XXXX XXXX Inquiry date : XX/XX/XXXX  I contacted Transunion credit bureau multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in an attempt to get my credit report corrected and those inquiries removed but they didnt offer any good help. 
These inquires are fraudulent, I have never applied for or had business with any of those 2 lenders i listed above.
Product: Checking or savings account

I applied online for a XXXX XXXX Account with CIT Bank. Within minutes of submitting my application, a pop up appeared that stated Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. I called the bank seeking more information about why my application was denied. The first person, XXXX, told me that it was because my VPN was on and they could not validate my address. I checked and my VPN was not on. I also called XXXX and they remoted into my computer and verified that the VPN was off. I called again, and spoke to XXXX. XXXX said CIT bank could not tell me why my account was denied, and read me a catch-all disclosure statement that didnt reveal why the application was denied. I asked to speak to a supervisor ( XXXX ). XXXX indicated that they could not give me any further information on why the account application was denied. She said my only recourse was to write the bank a letter of complaint. I received no email correspondence indicating a reason either. I understand the FCRA requires the bank to provide me with a specific reason, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} XXXX
Product: Credit card or prepaid card

I contacted my bank over 3 times about this amount, the first two times I spoke to gentleman that agreed with me that I didnt get back a certain amount of dollars back, I did the math and they refuse to see that I do not owe this amount because I never had it in the first place. I wrote out all my charges and connected it to the charges made back from the consumer and I was missing XXXX, I called XXXX they said they gave it all back which is not their fault because they showed me proof. Along the lines Capital One does not want to take responsibility for the missing money. I have wrote everything out and then its not adding up, they keep saying that they did a charge back twice which is incorrect. My balance was at XXXX before I made this purchase and it shouldve been returned back to XXXX because I return all the items and nothing is in my possession. I have proof that I returned everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/2024 I submitted a notice of dispute directly to your company because I was unaware of multiple collection accounts on my credit report. On XX/XX/XXXX, I received a response from your company verifying my disputed information as accurate, However, I do not agree with that and I am demanding a reinvestigation. I am disputing under the FDCPA, Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section 809 of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this 30 day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this 30 day investigation I need you to delete from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax data breach and I do not feel as if there response is strong enough given the amount of information that was breached. 

They are also trying to trick users into giving up their class-action rights with the TOS on their Identity Monitoring product.
Product: Vehicle loan or lease

Extended the vehicle lease account without consent or without my autorization. Even after that, no intimation was given until I happen to login online account and was surprised to see the lease was extended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, Equifax, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and TransUnion are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Other financial service

We enrolled in nationwide bi weekly program and now they are closed and they say the issue might get resolved few months later. They had also collected a fees of over XXXX $ from us and now they are saying even though the service is not offered the money is not refundable and refusing to answer questions. 

I also see this in reference to this XXXX Please help any way. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I purchased shoes ( new, XXXX XXXX XXXX ) from seller for {$800.00} US. Seller provided pictures of fake/not as described item after the sale. I attempted to cancel and seller refused. Seller shipped me a box with a completely wrong item, heavily worn XXXX basketball shoe wrapped in a towel. 
Paypal dispute opened on my behalf and they said they cant do anything for me because the item i received was what i paid for! How did inpay for this! It doesnt even math the description of what i initially paid for.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX ) 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 ( MONTHS REPORTING LATE ) 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 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX } XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my  XXXX  account. My account is reporting unknown payment status for   XXXX   XXXX    . I 've been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you
Product: Credit reporting or other personal consumer reports

I want reported accounts removed 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/29 I purchased a game for my son just prior to leaving him with my babysitter while I went out of town for the weekend. When I arrived at my destination, my credit card wouldnt work and I found out it was because my XXXX son had somehow charged {$980.00} onto my card through the XXXX  ( in app purchases ). I contacted XXXX immediately, after having the phone turned off and the game never played again, to let them know about this and requested a refund for all of it. They refused. I wrote them back explaining the scenario that somehow in the 15min window in which I put my passcode in, my son was able to continually purchase over and over and over. They didnt care, refused it again. I then called my bank, because of covid, it took hours to get a hold of the dispute department. After explaining everything, I was told by Chase that they take the stand with XXXX and that these were all authorized in their opinion because I chose to have my credit card information in my phone. I explained to them that I had no idea about this exception for the 15 min window, they did not care, asked if I had anything else they could help me with. Refused to do anything. 
I understand its my responsibility as a parent, to watch my child or have someone else who is capable to watch them. But one doesnt know this hidden rule that XXXX has and being responsible for {$1000.00} for in app purchases is absolutely ridiculous. Its so inappropriate to not even listen to what is going on. This was not an XXXX young adult, this was a XXXX XXXX XXXX who has no idea what he was doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Treatment of inaccurate or unverified viable information. 

( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 5XXXX XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED XXXX. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

Calls from Monarch Recovery from this phone number XXXX. I asked what this is regarding and they replied " Please verify your birthdate '' I said I will not give any info over the phone. They replied " We will contact you again at a later date. '' I have sent the company my XXXX credit report showing that I do not have any account in collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/2017 I reported that my wallet was lost, and that my i.d . and debit card were inside. There was an unauthorized charge on my XXXX XXXX checking account which was at a XXXX XXXX branch that ended up being {$3000.00}. reported this to the FTC and my incident report number is XXXX. I also reported this to the FBI as fraud. I need this to be taken off my credit report immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30-day late payment on my mortgage account listed on my credit report in the payment history section, called XXXX XXXX XXXX XXXX Mortgage Account, which date was opened on XX/XX/2018. I have disputed this account with XXXX and Equifax and they have not removed late payment for the month of XXXX to reflect a " never late ' payment status on my credit report and XXXX, Equifax and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this XXXX Late Payment for the month of XXXX from my mortgage account listed on my credit file for the month of XXXX immediately and if it is not removed, then I will be filing a lawsuit against XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for the Month of XXXX. XXXX Equifax it is reporting XXXX late and on XXXX it is reporting XXXX late for XXXX on my credit report. I have attached a copy of an updated letter, which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this XXXX XXXX XXXX for the month of XXXX is an error on their end and for the credit bureau to update the record to reflect pays as agreed for the month of XXXX. Therefore, I have attached it to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX is claiming that this statement is there because of XXXX XXXX XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX  have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.
Product: Credit card or prepaid card

I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word document.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$41000.00}