23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2020 I called Dovenmuehle Mortgage to update them on my XXXX veterans property tax exemption, it took till XX/XX/XXXX for them to correct my escrow accounts, then they sent a property tax payment to my county treasurer anyway even though I did not owe anything, fast forward to XX/XX/XXXX I called and they told me they sent me the tax overpayment out to my address on XX/XX/XXXX, when I didnt receive the check I called them back and they told me they deposited in my escrow account but would do a analysis and send me the overpayment, Ive been calling them every week and they keep telling they have expedited it and it would be resolved, called again today and still telling me they will fix it and expedite it, for seven months of dealing with there lie after lie I can only assume there trying to hold on to it for as long as they can since they make interest on it and I believe that is illegal, not illegal to make interest off my escrow account but to make interest off my money that dont belong to them, ( XXXX $ ) is what they owe me.Hopefully you can help resolve this for me thank you.
Product: Debt collection

I am filing a complaint against Radius Global Solutions for attempting to collect a debt I do not owe. The company has been repeatedly contacting me via phone and email regarding a debt that I have no knowledge of and do not recognize. 

Despite my requests, Radius Global Solutions has failed to provide any documentation or proper validation to show that I am legally responsible for this alleged debt, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

This continued contact, without proof of the debt, is both harassing and unlawful. I have clearly disputed the debt and requested validation, yet the company continues to reach out to me without providing any evidence. 

I am requesting that the CFPB investigate Radius Global Solutions for their collection practices, and that the company be required to cease all contact with me unless and until they can provide proper documentation supporting their claim. 

This situation is stressful and unjust, and I would appreciate the CFPBs assistance in resolving it. 

Company Name : Radius Global Solutions Account Number XXXX XXXX Date contact started : XXXX  Contact methods : Phone calls and emails
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I opened a ( comenity bank ) issuer of credit card account, after XXXX replaced XXXX  at the end of XXXX, in the town of XXXX, Mo. This bank ( Comenity ) issues credit to all stores listed, ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, & XXXX ). 
XXXX  credit card purchases ( XX/XX/XXXX & XX/XX/XXXX ), ( which was paid in cash at time of credit card use ) was also billed to ( Year XXXX ) XXXX account. 
I am being credited for these purchases on XXXX statement, sent in mail, and charged through text message by XXXX, same paid purchases XX/XX/XXXX & XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to  XXXX  to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Product: Debt collection

XXXX/XXXX/XXXX I sent certified letters to Central Financial Control ( California and Texas office ) to validate the alleged debt showing on my credit report. Per tracking information of the date Central Financial control received my letters- they did not respond to me within the time frame required by law, as I did not receive correspondence from them until XXXX XXXX, XXXX. I also advised I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. This company stated they did not need my authorization and they did not violate any laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. Transunion and XXXX  Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Transunion and XXXX to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Transunion and XXXX still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Product: Credit card

I received an email notification from XXXX advising that my application was going to be sent for approval and that someone would contact me. I then began to revise my email and saw an email from them earlier that day as well saying my email was changed in their system. Then, a week later, I received an email from XXXX XXXX saying my application for a loan was declined due to my credit score. A month ago as well, I had gotten a call from XXXX, my phone service provider, stating that someone was trying to use my information to try and gain access to my account. XXXX had contacted me because the person who was trying to impersonate me could not verify the information correctly. Then as well today, I received an email from someone named XXXX XXXX, stating a loan was approved and the funds were going to be deposited into an old account I had. There was no phone number or a good way to contact them back. The name of the company was XXXX XXXX. I looked into my credit report and saw someone tried to also run my credit at XXXX  XXXX and Wells Fargo
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX through and by Credit Karma is reporting inaccurate information, failure to provide updated information ( last report dates from XXXX through XX/XX/2023 ). There are accounts that list XXXX XXXX and some that list XXXX XXXX. 

I initially filed a XXXX XXXX in XX/XX/2023 but converted to XXXX XXXX which has since been XXXX. All accounts that have bankruptcy status should be a XXXX XXXX 

Accounts should show the accurate status of closed if they are closed. 

The behavior of XXXX and Credit Karma is causing financial distress to me.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 cash app with speaking to me on customer support but unknown to me send the money that was in my account back to sender without telling me or even questioning me about anything. You're making me jump through hoops just to get an answer on why this happened and to get it fixed and to credit my account with the money that is mine.
Product: Credit card or prepaid card

Purchased prepaid visa. Bad magnetic stripe. Unusable. Company refused to freeze card and funds were stolen before company reacted. Now, 80 days later, USBank still says " wait ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a new BMW on XX/XX/2020. Then COVID-19 happened. My husband is an XXXX and became completely consumed with responding to COVID calls around the clock at the height of the pandemic in our area. In addition, we both had to work remotely, adjust our family with XXXX kids learning remotely etc. 

We had a major delay in getting all mail that was to go to my husband 's office, and mail in general. Due to this chaos of the situation, I missed payments on the BMW. Once I realized that I missed payments, I paid all in full. 

Here are dates of payments : XX/XX/2020 we picked up the car from the dealership XX/XX/2020 made a payment of {$440.00} XX/XX/2020 payment made of {$1300.00} ( three payments ) XX/XX/2020 payment made of {$440.00} XX/XX/2020 autopayment made of {$440.00} XXXX after this date monthly payments have gone through automatically. ) I also found out that BMW made a report to the credit agencies right away which severely damaged our credit, making financing no longer an option. We had a loan in the works which we no longer could get.

I contacted BMW multiple times, and they stated they called us ten times to my husband 's office, which we have no record of at all. This was being monitored as part of his work so it was very concerning that they stated this. In addition, I have record of delays in the mail from when I sent a letter to BMW and it took almost a month to arrive.

As it was clear we were responding to a global pandemic, and not trying to get out of payment, I was hoping BMW would reverse the report on our credit. I sent multiple letters to BMW and later tried to access their Consumer Complaint Department. I was denied any assistance each time.

I will upload all correspondence, copy of statement from BMW, copy of statement from XXXX XXXX  showing payments, photos of credit scores and documentation of delay in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Checking or savings account

Bank of America will not allow even an appointment without passing telephone banking questions, has failed to update my contact after numerous attempts. Will not mail my credit card to other than a private residence. Can't access my money am homeless. Very bad banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX and DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2013 XXXX closed their account without warning or even taking measures to assure that no ones credit will be affected due to them going out of business in XXXX. Because of this lack of failed communication on their part, I have been struggling to bring my credit back up. They closed the account and dropped my credit score by XXXX points when my car wasnt paid off. Without warning, without any implications that the customers accounts or credit history would not be affected they made this decision that affected THOUSANDS of people. I have tried to contact the company and had no luck. I even tried to dispute this and nothing.
Product: Credit card or prepaid card

I received an XXXX XXXX XXXX XXXX in the mail today unsolicited from a company called Netspend XXXX 

I called their " fraud '' line to report fraud & it only allowed me to enter the 16 digit card # to " remove myself from their mailing list & close the card account. '' I am concerned about identity theft and what could have happened if I wasn't home and someone else received this card. 

I thought mailing people unsolicited debit cards was against the law?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, This letter formally disputes the accuracy of certain information appearing on my credit report, a copy of which is attached for your reference. I request that you conduct a full reinvestigation under the provisions of 15 U.S. Code 1681i. 
Specifically, I assert that the following items under Experian are inaccurate or unverifiable : XXXXXXXX XXXX XXXXXXXX Account Info : Account Number : XXXX Balance : {$51000.00} Open/closed : Open Date opened : XX/XX/XXXX _______________________________ XXXX XXXX  XXXX Account XXXX : Account Number : XXXX Balance : {$1200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXXXXXX XXXX Account Info : Account Number : XXXX Balance : {$8200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX  Account Info : Account Number : XXXX Balance : {$5600.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$410.00} Open/closed : Closed Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$850.00} Open/closed : Closed Date XXXX : XX/XX/XXXX 2020
Product: Credit card

I am moving and opened the Costco Citi card as we have many appliances and large purchases from Costco. The store offers special deals for caardholders. I have an XXXX credit score and household income over XXXX, yet have a fairly small limit {$7500.00} compared to other cards in my wallet ( ex. Amex over $ XXXX ). That's is fine though, and I've simply been paying off the card in full after each transaction to continue to free up available balance for large Costco purchases. 

Today XX/XX/year> I was unable to pay a Costco 3rd party installation team with my card, despite my card balance being XXXX. My credit union checking account was debited 2 days ago, meaning I do not have access to the cash, nor can I cancel the payment. Further investigation revealed my available balance reflecting {$0.00}. I called and was informed Citi had placed a seven day hold on my payment. I talked with multiple reps and was unable to get a credit increase, cancel my payment, pay additional ( I offered this despite balance being XXXX ). They're just going to place a hold on my {$7500.00} for 7 days, meaning I'll have to cancel my appointments and lose out on deals. I may have to pay cancellation fees. This is unethical, and I believe Citi is enacting this policy in an effort to sit on cash to boost their deposits and cash on hand for shareholders. No one could explain why they chose to place a hold on this payment when I've made 4 payments already. 

I feel like Citi should be investigated for this policy. I fortunately have access to cash and other accounts but I feel like this policy is predatory. I can't imagine the harm it would cause many American families to lose access to $ XXXX for a week, penalized for pre-paying their card. Don't we want people to use credit cards and pay them off immediately. Costco is positioning this card as a way to help families get the best value during their move, but Citi is using it as an opportunity to lock up needed deposits and cause serious harm to consumers. 

I work in banking and the explanation I got was intentionally deceptive. I feel bad for the representatives I spoke to who are just reading their script, and I wonder how they can sleep at night knowing they are seperating families from their cash without cause or reason.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Product: Mortgage

On XX/XX/XXXX, XXXX, an-friend began hacking all of my accounts and devices, placing malware with trojans, and the situation has become dire. I have filed 12 police 13 reports, but none have provided any assistance or evidence of what is to me. XX/XX/XXXX, I scheduled mortgage payment with Mr. Cooper for XXXX, and that morning my payment posted. Two later, I received an email stating another payment had posted. I called Mr. Cooper, and they reversed the payment, but I later they reversed my payment as well, which never returned to my bank account. The accessed my old XXXX account and scheduled five payments to be posted to my account that day and the following week. My account went crazy, Mr. Cooper was not much help, instead suggesting I apply for a modification. On XX/XX/XXXX, the hacker accessed account again, making another payment that did not clear. I applied for a modification, and in the first of XXXX, the hacker called and canceled the. I received another email and called to ask what was going on ; they told me I had called and canceled the application, which I had not. I reapplied and have now finished trial payments, but it has pushed my payoff date from XXXX to XXXX, the loan new 40-year loan, which means I will XXXX when it is paid off. Mr. Cooper has done to help me my. I have received tons of information from XXXX, which sent me coding. I researched this and sent some what I found to Mr. Cooper, which is investigating. have also found more coding from hacker, indicating my account is ready to compromised again as I finish the modification. I am very worried I will lose home. I have received two emails claiming to be from. Cooper stating that home is being sold on XX/XX/XXXXXXXX XXXX XXXX XXXX and I need to vacate by that day and time and the sheriff 's department will be there to evict me. Mr. Cooper said this is fake email.