23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss a 1099-C ( discharge of debt ) form that was accepted by the IRS. XXXX informed me that they have no knowledge of the 1099-C form and also that they are no longer responsible for the debt. 
I asked them to confirm that if i wanted to settle the debt with them, would they be able to accept payment and close out the debt, they said NO, I would no longer be able to settle debt with them because this debt has been transferred to another debt collection agency. 
I asked them why are they still reporting against my credit if they are no longer responsible for my account and they said they couldn't discuss the debt on my account because they no longer handle the account. 

I've never received a letter, email or phone call from the new creditor Radius Global Solutions to this day and recently I recognized a credit inquiry from Radius Global Solutions that I did not authorize. This violates 15 USC Code 6802 Obligations with respect to disclosure of personal information states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 

I emailed Radius Global Solutions on XX/XX/XXXX and still have received no form of communication from them. Per FCRA 611 ( a ) ( 2 ) ( b ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 

I disputed the debt reported by XXXX XXXX XXXX to all 3 credit bureaus ( XXXX, XXXX, XXXX ) and XXXX responded to all 3 bureaus validating the debt as valid and correct. The same debt that they will talk to me about over the phone or accept payment because they no longer " handle the account ''. 

XXXX XXXX XXXX XXXX Radius Global Solutions are not only deceiving me but also the credit bureaus and directly destroying my credit score by reporting false negative debt. The negative information associated with this invalid debt is damaging my credit score and ability to obtain financing. 

XXXX XXXX XXXX is actively reporting negative debt that they are no longer the collectors of. Radius Global Solutions has not responded to my validation letter and is not the collection agency reporting the debt. I have 1 debt and am being tossed back and forth between 2 collectors. 

I never signed any agreement or promise to pay XXXX XXXX XXXX or Radius Global Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to XXXX and XXXX  about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX  account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL UNAUTHORIZED INQUIRES FROM MY CREDIT REPORT!!!!!!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Records shows payment was made on XX/XX/XXXX to cover past due balance for XXXX. I was on time. No Past due payment should be reported.
Product: Credit reporting or other personal consumer reports

I dont feel I should pay an account that I did not authorize to be opened I already reported fraud and sent that proof of a previous report over to you guys and you have still FAILED to remove these discrepancies from my credit profile it is hurting my ability to obtain credit According to the Fair credit reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item for my credit report. XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally took out student loans with XXXX XXXX for my 4 years at XXXX, XX/XX/XXXX-XX/XX/XXXX. After graduating XXXX XXXX became XXXX. Because I was not able to make payments due to financial hardship they gave my loans to a debt collector, XXXX XXXX. Starting in XX/XX/XXXX, once I had a stable job, I was able to set up a payment plan where I paid XXXX a month until I would be able to come up with a lump sum of XXXX to settle my loans. To date I've made XXXX in payments to XXXX XXXX. Despite this, XXXX has reported my account as delinquent every month and I have not been able to raise my credit. I've contacted XXXX about this multiple times, most recently XX/XX/XXXX and they keep informing me they no longer have my loan and transfer me to various debt collectors who also say they do not have my loan and transfer me back to XXXX. XXXX XXXX has informed me that my account is in good standing with them, and they do not know why XXXX keeps reporting me. My credit report says all of my XXXX accounts are closed, so I do not understand why they continue to be reported as delinquent. I have filed a dispute with Transunion and I am waiting to hear back. I just want to make sure that this situation is investigated thoroughly because at this point I feel like I throwing away money and any effort made to improve my credit has been futile. I'm sure you understand my frustration in this matter and I'd appreciate any information you can provide. Thank you, I look forward to hearing from you.
Product: Mortgage

I was dealing with my lender XXXX for a loan modification, I submitted my documentation only to find out they denied me. Instead of offering me the option to appeal they informed me my loan was being transferred to Nationstar. When my loan was transferred to Nationstar on XX/XX/XXXX it took them almost 2 weeks to get all the information imaged into their system, therefore leaving me no time to explore any options to foreclosure nor did they reach out to me for assistance. Now when speaking with Nationstar I am being informed that they are proceeding forward with the foreclosure sale on XX/XX/XXXX leaving me with 3 days to find a solution. They are refusing to review the documents because they state is is not 37 days before the sale, how am I supposed to get the documents and information when the loan was transferred after the time frame? Realistically, I would have not been able to get them the documents 37 days before because of when the loan was transferred anyways. They are just looking for an easy excuse to foreclosure but I will fight as I feel this is wrong and all my homeowner rights are being violated.
Product: Mortgage

XX/XX/2018 I was trying to get ahead on a monthly recalculating mortgage. I realized that is impossible. During the process a payment check of mine was cashed by Mr. Cooper. The payment was originally applied to my mortgage. Then it was reversed. Then the payment went to unapplied funds and then it disappeared altogether. 
I contacted Mr. Cooper right away. For 2 years I have been trying to fix this with Mr. Cooper to no avail. I have called and written, originally through the RESPA requirements. I got nowhere with that. I am now reaching out to CFPB to see if you can help me. I need to have the lost payment applied as of XXXX of 2018 and ALL subsequent payments recalculated to bring my mortgage balance down to where it should be. I have been overcharged on my mortgage interest and have carried an incorrect balance for 2 years. Also, I did print out a computer generated payment history which has all transactions numbered. The numbers I have are 1-185. There are several missing entries. One of the missing entries is at the time of this missing payment. Can CFPB help me? I am a senior. Thank you, XXXX XXXX
Product: Credit card or prepaid card

Multiple credit cards opened fraudulently under my name. On XX/XX/XXXX the identity thief opened a Kay jewelers credit card and charged the card for {$44000.00} and a XXXX XXXX credit card which they used to charge {$1400.00} on that date XX/XX/XXXX. There was also an attempt to open a XXXX card and XXXX XXXX on that same date. I discovered this when I received a credit card statement from Kay jewelers XXXX XXXX  for the {$44000.00} that I opened on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and reported it as fraud and filed a dispute. I called Kay jewelers on the same date XX/XX/XXXX and reported it as fraud and filed a dispute. The XXXX XXXX credit card is through XXXX XXXX  and they informed me of the XXXX card at that time, as those companies use the same bank apparently. I placed a freeze on my credit with the three credit bureaus on XX/XX/XXXX. So far I have only received resolution for the XXXX card which from what I can see has no charges on it. The XXXX XXXX and Kay jewelers credit accounts are posted on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. XXXX reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last payment. Experian states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. XXXX states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and 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: Checking or savings account

Yes, so I have the Wells Fargo app on my phone I rarely check it my account only when I get paid which I get paid every two weeks. I had recently lost my debit card on Wednesday today is currently thurs. I have been looking for it thats why I didnt call my bank because I didnt want to change up all my information. But today I received an email saying my card was declined I check my email and it says that a withdrawl and deposit was made on my account of XXXX and a withdrawal declined for XXXX I live in XXXX XXXX so it really was gut wrenching when I seen XXXX XXXX. So I immediately called to switch out my card and all my info. I dont know what else they were able to get a hold of. What other information of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; XXXX. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account at Transunion. For some reason it does not recognize my login information. I have spoken to four agents of Transunion to resolve this problem. No one can help me. I need to have access to my account.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 i contacted bank of America to inform them that my card was not in my posession and for it to be closed. I also made them aware that i was in the State of Georgia. They then issued me another card and transferred me over to the fraud dept. But the transactions are still on my new account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 One main financial services has falsely using a fake loan company by asking for online bank account and routing number and password this person goes by the of XXXX XXXX is scamming customers
Product: Money transfer, virtual currency, or money service

On or about XX/XX/21, paypal send me an email to hold my money hostage for 3 months citing a breach in term of service. They said my account is associated with someone who used their service to gamble or something. I have never done such activities. After a complaint, they said that an associated phone number and physical address matched that person. Last i checked, phone numbers and addresses are not fixed identifier of a person. I have been a customer for almost 20 years. My name and social security number are fixed identifiers. If i need to, i can submit my drivers license, military ID, social security card, ect to release my money from being taken hostage. I can not allow the actions of another who misused a phone number and my address to affect me. Last i check, paypal does not verify addresses, this person could have falsely used my address. 
I own this address and these phone numbers. My name and ssn are fixed unique identifiets. Anyone who used my address or phone number without verification in the past or future is doing so without my consent.
Product: Money transfer, virtual currency, or money service

I am filing a a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effect measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Requested a new debit card in XX/XX/XXXX. Never received the card so I called to determine what was happening. I was informed that a new card ( a different one than the one I requested ) was being sent because the previous card ( the one that requested ) was compromised. As the card hadnt arrived even though they claimed it had been sent they sent another one. Fast forward another month. I finally receive the card itself but no PIN number. As of XX/XX/XXXX I still have no PIN number for this card. I have two checking accounts with them and have been using the card to my other checking account in place of the normal card until XX/XX/XXXX when that card too was cut off without warning for possible breaches at places Ive shopped. I now have no way to pay bills as they are connected to the old cards and I dont have new cards that I can actually use. When I called to find some way to keep things going until I received either PIN numbers or the new card and PIN the phone agent provided no tangible, actionable help beyond resending the PIN and a new card in 7 business days. There has to be a better way to handle this then cutting off cards without providing some type of warning beyond a letter that may or may not arrive before it happens ( if at all ). I now may face late fees and additional penalties for any bills that were connected to the second card that was used in place of the first one that was also cut off almost 3 months ago. I cant switch the bills to another card because I dont have another one to switch it too. While at the bank on XX/XX/XXXX for a separate issue that was resolved, another customer came in with almost the exact problem and was given little to no resolution. It seems like this system isnt working well and changes need to be made.
Product: Credit card

American Express Card Services has suspended my charging privileges, stating that I had missed a payment on XXXX XXXX. I spoke to the department and told them the payment cleared. 

They then begin to ask me to provide check stubs from my job to prove my income. American Express Card Services has a credit card arbitration agreement to resolve issues before they resort into such damage and harm of someone's personal credit. American Express Card Services has caused harm, by shutting off the card for my personal use. I am attaching the Arbitration Agreement, in the hopes of gaining access to the credit card that i have for a year. 

Charging suspended. Please call XXXX if we haven't already spoken with you. 
Your last payment of {$100.00} was returned on Tue XX/XX/year>, and could not be processed. Please contact your bank or account manager to ensure your payment goes through. If you have received confirmation of payment, please disregard. 

Attached below is the Arbitration Agreement The new language within Amex card agreements provides ( formatting and capitalization changed to make text more readable ) : Initiation of Arbitration Any claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration provision
Product: Credit card or prepaid card

On XX/XX/2022 a finance charge of {$52.00} was charged to my account. The payment for the month was supposed to post on the XXXX of XXXX. My bank account was debited on the XXXX of XXXX. On XX/XX/2022 another finance charge of {$39.00} was charged to my account. The payment was due again on the XXXX of XXXX. My bank account was debited on the XXXX of XXXX. The payment posted on the XXXX of XXXX yet again I was charged a finance charge. 

My payments are due on the XXXX of each month and my bank sends the payment in full out on the XXXX of each month. 

I enjoy being able to use my Capital One card and have always payed my credit card in full each month. 

I spoke with two Capital One representatives on XX/XX/2022 with no results. Just advising me who to avoid finance charges. 

Ive been an outstanding customer of Capital One and would like the total finance charges ( {$91.00} ) credited back to my account. 

Thanks in advance, XXXX
Product: Credit card

company closed my account even though i have always been in good standing and never missed a payment. my score dropped because of fraudulent activity and diisputes with other institutuions and this bank decided to close my account. This is my second account because i had to reapply. this bank has a habit of closing my accounts regularly. I really need this account for my healthcare