23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ok i recieved a letter from a collection company its called mid south adjustments onXX/XX/XXXXtrying to collect a XXXX medical debt from XXXX county hospital well my heath insurance paid it for some reason there trying to collect it but the insurance provider paid it after it was closed out and sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX credit report i said i going to dispute it with the credit XXXX  bureas and so i did 30 days later came back verified so i could not re dispute it so here i am needing your help
Product: Credit reporting or other personal consumer reports

DISCOVER BANK HAS NOT PROVIDED PROOF OF ME CONSENTING TO BE AN AUTHORIZED USER ON ACCOUNT XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/year> Dear DISCOVER BANK, I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card account [ XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on this account. Until such proof is provided, I insist that you immediately remove me as an authorized user from the account and cease any further reporting of this information to the credit bureaus. Failure to comply with this request may result in legal action being taken against your company. I trust that you will take this matter seriously and act promptly to rectify this situation. Sincerely, XXXX XXXX
Product: Mortgage

This is the email I sent to Mr. Cooper which has 4 complaint issues : " I need a phone number to speak with someone at Mr. Cooper regarding multiple issues with your company. I've tried 6 different numbers, including the one on your website and your social media page, NONE WORK! 
Mr. Cooper unfortunately, took over my mortgage from XXXX XXXX a few months ago. Since then, I've had nothing but headaches from your company! 

1. ) I received a call, and an email from my home insurance company ; YOU have not paid my insurance bill via my escrow, it's now late and I'm being threatened with policy cancellation by the insurance company! 
2. ) I received a text message from Mr. Cooper at XXXX about a system outage. If you can't figure out a proper time to send out tests, remove me from your notification list! XXXX is not acceptable!!! 
3. ) I received an email from Mr. Cooper regarding a cyber security attack. I've had zero information since then .... Has my information been compromised?!?!?!?!????? 
4. ) When you took over my Mortgage a few months ago, you performed a 'hard pull ' on my credit. This has dropped my score XXXX points. I did not ask for my mortgage to be transferred and I certainly did not authorize a hard pull on my credit. Get this removed now. 

I will be filing complaints with XXXX my AG 's office and CFPB if I do not receive a phone call from a Mr. Cooper representative today. 
My contact info is below, I will expect a phone call today. 

I inserted my name address phone number here
Product: Debt collection

On the second of XX/XX/2019 the law offices of XXXX XXXX XXXX sent a man claiming to be with the XXXX XXXX County courts. he showed me a printed ID with no picture saying he was with the county and said I was being sued. He gave me no paperwork and no original document that had a court date or anything else. I told him with out a picture ID that indeed looked like a valid County ID that he needed to leave. He got angry and upset and I told him to get off my property and not comeback. He was real close to me physically throwing off my property. I received another letter from this crooked attorney last week and called to explain the situation to them but all they want to do is demand money. All I have is my Social Security and Veterans Benefits. 

The law offices address is XXXX XXXX XXXX XXXX., # XXXX XXXX XXXX. California, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian RE : XXXX XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/2022.
Product: Debt collection

Radius Global Solutions is a debt collection agency that contacted me by mail on XX/XX/XXXX regarding a debt they stated I owed. I responded to this collections letter via return mail on XX/XX/XXXX, disputing this debt as they provided in their letter. The letter was mailed to their firm on the next day, XX/XX/XXXX. There was no reply received from Radius Global Solutions to my dispute letter. 

However, on XX/XX/XXXX, I received a second collections letter from a second collections agency called XXXX XXXX XXXX. There was no indication in this letter that XXXX XXXX XXXX was aware that this debt was in dispute. In addition, it is possible that Radius Global Solutions has violated the California Fair Credit Collections practices statues by forwarding this debt to a new company subsequent to my written request for more information as to the debt and whether I owed the debt. 

Since I did not receive any proof from Radius Global Solutions, I disregarded the debt and it was not paid. I do not believe Radius Global Solutions had the right to transfer this debt to a new collection agency, as they did not prove that I owe the debt. 

Radius Global Solutions should be held accountable for this possible violation, and the original request should be honored ; in that, Radius Global Solutions should furnish proof that I owe the debt, and if they can not do so, I should no longer be contacted about this debt. 

I feel like I am being scammed by these companies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Begin XX/XX/XXXX and continuing. 

Experian - IMPOSSIBLE to get thru to person to resolve. Impossible to get through phone tree or website to resolve. 

Spouse and I both prior victims of ID Theft. Froze credit files originally in XXXX. Extended Fraud Alerts also in place. This, at all three bureaus. 

XXXX and XXXX have not been a big problem. XPN though, from DAY ONE has been exceedingly difficult, at first getting freeze in place, over time having temporary lifts placed AND NOW, having jumped through hoops to temporarily remove a freeze, we find that they ARE NOT correctly including confirmation telephone numbers on fraud alert. 

We can not correct either through their site their automated phone system. Worse, after numerous attempts we can not reach a person of any kind to resolve. This causing delays in our obtaining needed financing through NO FAULT OF OURS. We have confirmed with both XXXX and XXXX that they are properly showing our correct contact phone numbers on extended fraud alerts. But have NO way to reach XPN to resolve. Since fraud alerts are identical at all three bureaus, it is MIND BOGGLING that the others have it right and XPN continues to infuriate. 

HOW CAN WE REACH A PERSON AT XPN TO FIX THIS MESS???
Product: Debt collection

On XX/XX/2017, I was contacted by NCB Management Service INC on behalf of XXXX XXXX XXXX, stating that I owe a balance of {$7800.00} which was later reported on my credit. I made a settlement arrangement with the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least 10 agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act is a federal law designed to protect consumers against unfair credit reporting practices and protect credit privacy. The act governs the consumer reporting agencies and those who access consumer credit reports. The general purpose of the Fair Credit Reporting Act is to ensure that these agencies are FAIR, ACCURATE, AND EXHIBIT CONFIDENTIALITY in his or her credit reporting methods. The information being reported on my credit is not ACCURATE in regards to Credit Acceptance, they have committed fraudulent activity based on the contract they sent to me, everything is completely different in comparison to the original contract that i posses, according to the credit bureaus they have to report accurate information and if not they must remove the item from my credit reports, i would like CFPB to verify my original contract in comparison to the made up contract they have, and once it proves invalid request this item to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and also to the collector XXXX regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.
Product: Credit card or prepaid card

I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when capital one decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX bank account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the capital one yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. XXXXupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to cash a very small check at Ace Cash Express on XX/XX/year> at XXXX. Address is : XXXX XXXX COUNTRY XXXX XXXX XXXX, AZ XXXX. 

The amount of the check was for only {$62.00}, when XXXX XXXX XXXX asked for my SSN. I thought this was a weird request as no one in the past had asked for this before just my drivers license at ANY cashing place. 
XXXX proceeded to tell me that they in fact always asked for it and was needed if a person had an SSN they always REQUIRE it. I was extremely apprehensive and against my better judgment I provided my SSN... but as XXXX was filling out information also from my DL I asked him for my check back as I didn't feel comfortable. I asked more questions and XXXX told me it was a requirement for him to have my SSN to be able to cash a checkwven if its a VERY SMALL AMOUNT. He then said accept the terms and conditions for cashing the check on the keypad and as I went to accept I read it before and it clearly stated AGREEMENT for opening an account to which I then said, " XXXX are you opening an account using my information!? '' He then said, " yeah it's XXXX of this cards we offer ''. I said NO!! I don't want to open an account I just came here to cash a measly {$62.00} check and now you're opening an account! I clicked not accept and I also said you're charging me over XXXX dollars to cash a {$60.00} dollar check and he said I can give you a discount while all this was happening on the keypad. I pushed cancel and XXXX then handed over {$59.00} even, on the receipt he provided me with it said {$3.00} enrollment fee, {$0.00} bank processing fee and {$0.00} cashing fee. I then asked if he opened an account and he said no, that he basically gave me a {$3.00} discount but to ignore the enrollment fee as that's what he took off XXXX the coupon for opening an account but that the account was not opened. 

Later I received a call from the place and and explained the situation and the XXXX XXXX said he couldn't verify if an account was in fact opened or not, I was able to explain the situation and said XXXX is asking for info and using fraudulently to open accounts to perhaps meet a quota. XXXX stated no, rhat was not the case but I was at work so I asked fpr him to call me back, then XXXX said he would give me a call back and he wanted a copy of the receipt. I informed him on the receipt it shows an enrollment fee that was taken off XXXX a coupon not because the account was removed. XXXX simply just apologized and NEVER CALLED BACK but now I have to place an alert on my credit as XXXX fraudulently asked for my SSN AND DECIDED TO OPEN AN ACCOUNT WITHOUT MY CONSENT. 

Therefore, I'm now here filing a complaint against this place. They have caused unnecessary distress to my mental health on top of what I have going on in my personal life. I don't know if they will use my info fraudulently again or if this account was in fact opened and the card simply thrown away or what have XXXX received any type of confirmation and XXXX is still there committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to comply on POLP and PHR request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on this account : CREDIT COLL XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally report an issue regarding XXXX unauthorized XXXX transactions between XXXX XXXX XX/XX/year>, each totaling {$2000.00}, that were fraudulently made from my bank account. These transactions occurred without my authorization, resulting in a total theft of {$10000.00}. 

I promptly reported the fraudulent activity to my bank. However, instead of assisting me in recovering the stolen funds, the bank closed my account without providing a thorough explanation or resolution. This has caused significant financial and emotional distress.
Product: Credit card

I live in California, and normal most credit cards have a payment cut off time of XXXXXXXX XXXX XXXX XXXX but not XXXX. It cut off time is XXXX. And with no grace period days which is very unfair. As it is done to create a situation that favors them. They use this to generate unfair high late fees. The Consumer/me are not protected. I'm am getting tired of being fleeced like this. My payment is due on the first of the month. Some months I have XXXX XXXX XXXX XXXX and it depends on when I drop the last child off, before I can get home to make my payments online. I don't do any business payments on the cellphone. I'm going to be charged a {$50.00} late fee and feel this is unfair and a bit much. Should I write to XXXX XXXX before he leaves office. The company is XXXX Credit card with American Express is a registered trademark of American Express. This Card is issued by XXXX XXXX, a Bread Financial company, pursuant to a license from American Express. My account number ends in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ML ZAGER PC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 

I do not owe this debt they have no record of me signing for the medical bill and they refuse to delete this from my credit report. I spoke to debt collection agency ML Zager PC and they agree that I did not sign for the debt but will not report in to XXXX.
Product: Debt collection

I am XXXX XXXX a federally protected consumer and I am making another complaint against National Credit Systems regarding an account that they purchased from The Alcove Apts. I have sent your company several correspondences, however, your company 's response is always a computer-generated letter stating there is not enough information to validate my claim, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given National Credit Systems any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with National Credit Systems and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, The Alcove Apts, NATIONAL CREDIT SYSTEMS, and myself, giving National Credit Systems any right to collect on this alleged debt. It is my belief that National Credit Systems is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA especially when an eviction NEVER occurred. Please see attached documents.
Product: Payday loan, title loan, or personal loan

XXXX was filed and accepted by the IRS. Company refuses to accept lawful payment or present the XXXX to the IRS for payment. XXXX was secured upon signing of promissory note.