23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/ I received notices of an attempt to collect a debt on a account owned by XXXX XXXX XXXX XXXX from a debt collector called Radius Global Solutions LLC i notified them immediately that the debt and account is not mine nor do i have any knowledge as to how the account was opened using my personal information. I never signed any service agreement with XXXX XXXX XXXX XXXX nor did i give anyone permission to act on my behave to open or do any business with XXXX XXXX XXXX XXXX. Radius did not answer my original complaint about this matter i reached out to XXXX XXXX XXXX to ask for a responsible investigation as to this matter i haven't heard anything from XXXX XXXX XXXX XXXX or Radius Global Solutions.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Request to remove accounts from Credit Consumers Dear chexsystem I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : 2. Account with XXXX, XXXX ( Account XXXX XXXX XXXX XXXX ) - Charge Off Amount : {$1800.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX on XX/XX/XXXX advising that I received a letter from Bank of America, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchase a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are in violation of act s 611 5 b of the fcra I have 4 inquiries on my report that is not suppose to be there XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX these are not suppose to be on my credit report and I have no hard inquiries on my other credit reports from credit bureaus but my Equifax customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Money transfer, virtual currency, or money service

this happened on XX/XX/2023 XXXX wired filed a claim and it was closed/denied.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency , to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured loan at XXXX XXXX on XX/XX/XXXX under the account number ( private ), And that resulted in collections with a balance of {$2300.00}, and a personal line of credit account opened at XXXX XXXX on XXXX. XXXX, XXXX under account number ( private ) and that resulted in collections with a balance of {$360.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

I received a Notice of Assignment to a Collection Agency ( the " Notice '' ) from Professional Account Management ( PAM ) on XX/XX/year>. The Notice pertains to an alleged toll violation that I do not owe. 

I need to dispute the validity of the debt ; however, the notice does not provide any contact information for submitting disputes or requesting verification of a debt from PAM. It provides a mailing address, internet address and phone number, but clearly states that these are for payments only. See the attached Notice. 

Since the letter does not provide a method to submit a dispute, I am concerned that my dispute will not reach the proper party, and/or I will miss the 30 day deadline for disputing the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a certified letter to portfolio recovery stating that they send me proof of validation of this debt unless they needed to remove it from my credit report. They sent me back documentation but not validating this debt to me. Ive requested they remove the debt from my credit and they still havent done it. They gave no supporting documentation that this is my debt.
Product: Debt collection

On XX/XX/XXXX I requested copies of my consumer reports from XXXX, XXXX, and XXXX, and as I was analyzing the reports I noticed that there was a collections account from : Account # : XXXX Debt Collector : Jefferson Capital Systems XXXX XXXX XXXX. 
XXXX XXXX MN XXXX stating that I owe them an alleged debt that I have no knowledge or recollection of owing them. I was never contacted about the alleged debt, nor was notified of my right to dispute. They opened the account on XX/XX/XXXX according to XXXX, but they never notified me of my consumer rights under the FDCPA. 
They then reported it on XX/XX/XXXX again without notifying me or communicating through mail, email, or in person. To my understanding, after XX/XX/XXXX debt collectors are suppose to let the consumer know that they have a debt, and record any proof of non delivery to the consumer. In my case this was never done. I never had the proper opportunity to dispute the debt they say I owe. This is the reason I did not contact the company. They've violated my consumer rights under the FDCPA. So I am filing a complaint with the CFPB.
Product: Credit reporting

Please see the screen shot stating my credit report was pulled on XXXX XXXX and I have not applied for anything. Equifax has destroyed my credit report as I have mode a number of complaints and they are still adding additional information on my report. I have attached a screen shot of the latest error on my report. Please have Equifax to remove this inquire " XXXX '' ASAP! This is just one of many issues I have complained about. 

Also, please see that on XXXX XXXX Equifax stated I had an address change and that is not true every since then I have number of bad accounts on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries :

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Dept of ED/ XXXX ( or formally XXXX  ) Account # XXXX ( All XXXX accounts ) has violated my rights. 

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

15 UL.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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX, NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Equifax. Attached is demand affidavit and agreement.
Product: Credit card or prepaid card

I am appalled at the way this process has gone in getting a fraudulent account removed from my credit report. As TD Bank should know by now, I am a victim of fraud. I am also a trucker, so I dont have much free time to figure out how to get this fixed. I previously tried mailing them my ID theft affidavit, but I had an incorrect address for them. I tried calling in, but I was stonewalled because I didnt have my account information handy. After being transferred and put on hold multiple times, not a single representative would tell me where to send my affidavit. This is extremely frustrating. They literally refused to give me a simple mailing address! They are actively standing in the way of me repairing the damage done to my credit. I simply need to know where to send my documents.
Product: Debt collection

On XX/XX/XXXX I contacted BB & T and asked and received a payoff amount for my Home Equity Line of Credit. My goal was to payoff a higher interest rate loan. I authorized BB & T to Debit my DDA for the Payoff Amount and received a confirmation number and days later a confirmation Letter indicating the payment to my Home Equity Line had occurred.When my XX/XX/XXXX statement came it showed BB & T SPLIT the XX/XX/XXXX Payment and credited a portion to my Home Equity Term Loan ( which carries a lower rate ) and applied the remained to my Home Equity Line ( which carries a higher rate ). 

The result of BB & T splitting my payment allowed them to keep a balance on the higher rate loan rather than paying it off as I requested. 

For two weeks I made 7 calls to BB & T to correct their decision to Split my payment which kept a balance on the higher rate loan. 

Finally, I involved North Carolina 's Office of Commissioner of Banks. 

So, after 7 phone calls to BB & T and my contacting North Carolina 's Office of Commissioner of Banks on XX/XX/XXXX the Split Payment was reversed and Applied to my higher rate Home Equity Line as I requested on XX/XX/XXXX. 

HOWEVER, due to BB & T Splitting the XX/XX/XXXX payment the Authorized Automated Home Equity Term Loan Payment due for XX/XX/XXXX was not processed by BB & T 's Account System. Then when BB & T Reversed the Split Payment on XX/XX/XXXX - BB & T did not process the Authorized Automated Home Equity Term Loan Payment for XX/XX/XXXX - they just left the Home Equity Term Loan Past Due. 

The result was - I received a Collection Call and a Collection Letter threaten Credit Bureau Reporting for a past due payment on my Home Equity Term Loan - which all occurred due to BB & T Splitting my payment request in order to keep the higher rate Home Equity Line with a loan balance and charge a higher rate of interest and charge late fees. 

I have BB & T documentation which confirms this tragic occurrence of a Big Bank 's effort to swindle and take advantage of a consumer.
Product: Mortgage

In case # XXXX, SPS still insists that XXXX made a " protective advance '' in paying off my XXXX mortgage, and I still maintain that I was in no danger of foreclosure by XXXX XXXX ( in fact, I had arrangements to bring the mortgage current ; XXXX was very helpful when I was dealing with the financial impact of XXXX XXXX ) so that what SPS calls a " protective advance '' was in fact a payoff that was not in keeping with the terms of my note. 
SPS offered to discuss a tender amount required to complete a rescission transaction, which I would be willing to discuss except for one point that SPS points out that a rescinded transaction is designed to bring both parties to a state as if the rescinded transaction had not occurred. My question is how do you plan on reinstating my mortgage with XXXX or how do you plan on bringing me back to that state? You ( actually XXXX ) created this situation by arbitrarily paying off XXXX, so how do you plan on bringing me back to my original state? If XXXX had done the transaction legally with a right to rescind ( and also, by the way, if they had provided TIL and RESPA documents to make the transaction legal as far as paperwork although it would still be in violation of the terms of the note ) I would not be asking this question. 
In other words, your offer is really not an offer at all, unless you can do what appears to be impossible.
Product: Credit card

THIS COMPANY VIOLATED THE LAW AND OWES ME RESTITUTION. 
This is a follow up of a previous complaint : XXXX American Express violated Regulation Z and the FCBA and did not provide me with a timely chargeback from a fraudulent seller. 

I'm am currently working on typing on a court summons to sue American Express if they fail to pay me restitution for my grievances. 

Every single victim of American express is owed compensation for their suffering. 

Big faceless corporations should be heavily fined for violating the rights of red-blooded Americans. 
If you can make your money off of playing with your clientele 's money then you owe your clientele every time you ( AMEX ) make a mistake.

It should be a crime to outsource responding to these complaints. The CFPB is an American company and all responses through time should be made by people located in the USA who understand our laws and government.
Product: Mortgage

they are wrongly seeking foreclosure judgement against me. the debt they are trying to collect was modified by our chapter XXXX bankruptcy plan. they were court ordered to modify the debt and are in contempt of court. they are trying to collect for fees and charges that they are forbidden from collecting by the provisions of our bankruptcy plan. I sent them several qualified written requests and proof of their errors but they will not correct my account. I provided their attorney with the modification, proof of all payments and court documents that prove we were not in default. The proof of claim that was submitted by XXXX Bank in our bankruptcy case has a different Note than the Note they 've presented in this case. They 're attempting to collect on the same debt with XXXX different Notes that they 've asserted to be the TRUE promissory Note. There 's only XXXX legal promissory Note. they have no case yet they continue to push through with their fraudulent documents. Furthermore, XXXX XXXX, an Ocwen representative signed an affidavit regarding the factual accuracy of our account despite Ocwen 's failure to do a Bankruptcy account reconciliation when we were granted a discharge. Ocwen did not do a bankruptcy account reconciliation until XXXX 2016, more than 2 years after they were legally required to.Their attorney, XXXX XXXX, submitted an affidavit declaring that he has " a continuing obligation to amend his affidavit in light of new discovered facts following its filing '' and certified the accuracy of the affidavits filed. However, he stated in the default hearing that he did n't read the modification agreement. The Agreement was attached as Exhibit A in my Answer. He also lied to the XXXX during the Summary Judgement Hearing that I missed due to a family emergency. He told the XXXX that he communicated with us but he never did, not once! he stated that they were willing to make loss mitigation or discovery efforts but they need participation from us. I gave him proof of everything, I have participated in every way possible! He lied several times to the XXXX because we were n't there to contradict him. they have misrepresented the amount of the debt, made false statements to collect on this debt, and seek to collect on a debt that their client has no legal right to. We were not in default. Ocwen 's unwillingness to correct my account as required by RESPA, the XXXX, and the FDCRA has subjected me to undue hardship and emotional distress!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.