23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX,2025 I received a collection notice from Radius Global Solutions in regards to a collection account in the amount of {$210.00} and while I have not given this company consent to disclose my location information this is a direct violation of XXXX XXXX XXXX Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. XXXX XXXX XXXX CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute significant discrepancies in the reporting of my XXXX account ( # XXXX ) across all three major credit bureaus : XXXX, XXXX, and TransUnion. The inconsistencies in the reported information have led to a negative impact on my credit profile, including an unjustified 30-day late payment. These inaccuracies not only misrepresent my financial behavior but also violate several provisions of the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit reports and compensation for the potential damages caused by these reporting errors. Below, I outline the specific discrepancies and the relevant FCRA provisions that support my claim. 

Discrepancies Identified 1. Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Balance : XXXX : {$79.00} XXXX : {$55.00} TransUnion : {$55.00} XXXX. Last Report Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Issues and Impact The discrepancies listed above are not minor clerical errors but significant inaccuracies that reflect a lack of diligence in the reporting process. The differences in the Date Opened, Balance, Last Report Date, Date Last Active, and Date of Last Payment create an unclear and misleading picture of my creditworthiness. Moreover, these discrepancies have resulted in a reported 30-day late payment, which I firmly believe is due to these reporting errors. This incorrect late payment has unfairly damaged my credit score and financial reputation. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The evident discrepancies in the reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

After much research I called capital one to request an increase to the existing platinum card. I was told that as I had just received an increase I would do better to apply for their no fee cash back XXXX credit card, which I did, and was approved. Today when I went to review my account I noticed a {$39.00} membership fee. I immediately called as I was not made aware of any fees otherwise, I would not have opened another account. The representative said I could 've combined the two accounts to make it one ... something that the initial representative said I could not do since I had to apply for an entirely new account. Finally she said she would the charge this year and I stated that I would figure out if I could to take a negative credit hit when I close the account before 2018. However, the system would not allow her to waive the fee! I am stuck with a credit card that advertises no fees and after a year of using the card want to apply a fee! This is bait and switch! And if I close the account my credit scores will be affected! I need assistance to resolve this matter.
Product: Money transfer, virtual currency, or money service

PNC won't link my account with XXXX
Product: Mortgage

Closed on new home XXXX, XXXX, XXXX. XXXX XXXX XXXX Bank underwrote the mortgage and assigned it to NationStar aka XXXX XXXX for mortgage servicing. The first mortgage payment is due in XXXX weeks but I have not received any information from NationStar such as : account number, contact information, or any other information about available methods for making the mortgage payments. I have serious concerns about this servicer. So many negative online reviews and complaints about NationStar including negligence, gross errors and fee demands for missed payments and such. I need to know what legal means I can use to be sure I have an appropriately set up account, appropriate 'due ' dates and secure, efficient method to make timely mortgage payments. I have emailed the XXXX XXXX XXXX bank mortgage broker and my attorney for additional assistance. Please advise re further options to expedite the NationStar loan servicing issues. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports ( XXXX, XXXX, and XXXX  ) show a balance of {$4900.00} for a repossession of a car that was owned by my daughter. The payment history for each of the credit bureaus is not reported consistently. Also, I have a document showing the balance was approximately {$2900.00}, two months after the repossession and prior to the sale of the vehicle. I would like all documentation from the creditor to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record unti FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$210000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open.
Product: Debt collection

I am writing this letter in response to the court summons served to my family on XX/XX/2023. I was appalled to learn that the summons was handed to my XXXX son, causing him undue stress and XXXX, as well as causing embarrassment to me and my family. I want to make it clear that such conduct is unacceptable and likely constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as other state and federal laws that protect consumers from harassment and unfair practices. 

Firstly, I request the immediate removal of the collection related to this account from all credit bureaus and revocation of the court threats. Failure to comply could result in legal repercussions, including but not limited to lawsuits, and reporting of the violation to regulatory authorities. 

Secondly, I demand a formal, written apology to me and my family for the emotional distress and embarrassment caused by the inappropriate delivery of the court summons to a minor child. 

Lastly, I insist upon receiving competent evidence of the alleged debt and my contractual obligation in relation to the tradeline in question. According to Section 809 of the FDCPA, I have the right to request the validation of the debt. Until such validation is provided, you should not continue any collection activities related to this account. 

If you fail to provide competent evidence of my obligation to this debt, cease and desist all collection activities immediately, including reporting the debt to any credit bureaus. 

Please treat this letter as an immediate request for action, and confirm your compliance within 15 days of receipt of this letter. Failure to comply will result in me taking legal action to protect my rights.
Product: Debt collection

I had originally been contacted by debt collector AFNI about 4-5 years back for a debt of {$680.00} for XXXX XXXX XXXX internet service in XXXX XXXX. I have never resided in state of XXXX  and have lived in XXXX area my whole life. I communicated this to the debt collector and contacted XXXX XXXX as they had put a deragotary mark on my report which lowered my score. I filed a complaint and went through a two month process to have this removed from my report. Every year since this debt collector places this debt in collection on my report and I have to go through the same process over and over again. I have stopped contacting the debt colllector because they will not be reasonable and have opted to harrass me every year with a debt that is not mine.
Product: Credit card

I am a victim of identity theft and fraud. A man, posing as a bank security representative, called me while using a phone number registered with PenFed Credit Union. Gaining my trust, he then contacted my bank, PenFed Credit Union, pretending to be me. This deceitful scheme allowed him to hack into my account. He charged unauthorized purchases to my PenFed Credit Union credit card, submitted applications for XXXX consumer loans in my name, and drained all the funds from each of my account credit card, leaving me with devastating financial consequences. The man also purchased items from XXXX, and XXXX using my identity and funds. 
The man seemed to be XXXX. They used XXXX XXXX, XXXX and XXXX to funnel the funds from my bank account. The XXXX and XXXX names were : " XXXX XXXX '' and " XXXX XXXX ''.
Product: Credit reporting or other personal consumer reports

I bring to your attention the apparent compromise of my credit with your organization. It has come to my notice that, despite being accompanied by an FTC fraud report XXXX XXXX XXXX XXXX, certain items have not been removed as required. Upon reviewing my records, I observed that these inaccuracies, which are not associated with me, persistently and detrimentally impact my credit file. My commitment to thorough research and persistence compels me to address this matter, and I am determined not to be hindered by any unwillingness to comply with the law. In accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ), your legal obligation is to expeditiously remove items identified as resulting from identity theft. The disputed items, namely : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am attaching the newly required FTC Report with reference XXXX XXXX along with my Driver 's License, Form W-2, and Proof of Billing, serving as verification of my sole address. Kindly proceed with the removal of these items from my credit report promptly.
Product: Credit card or prepaid card

Quoted on www.salliemae.com/credit-cards/evolve : You'll earn {$200.00} in bonus rewards after you've spent {$1000.00} ( net ) on eligible purchases in the first three months after you open the account. The following do not qualify as eligible purchases, do not earn cash back and do not count as part of the net spend requirement for the bonus reward : cash advances ( including cash-like transactions ), balance transfers, convenience check amounts, purchases that we believe have been made by or for a business, commercial or investment purpose, account fees, interest charges, and unauthorized or fraudulent transactions. Bonus rewards will be applied to your rewards balance within one or two billing periods after you spend the required amount. 

I met the required spend minimum on XX/XX/XXXX in a bill cycle that ended XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX bill cycles have now passed with no bonus. I have called multiple times being told that they will not credit until late XXXX ( so they have confirmed I am due the bonus ), even though that is not within the quoted 1-2 billing cycles. I have asked to be elevated to a supervisor due to false advertising. XXXX XXXX XXXX call center reps say that requires a callback after XXXX hrs or more. XXXX left a VM while I was in the shower. I called back immediately and was told she was on another line and would call me back before the close of business on XX/XX/XXXX. I have still received no contact and XXXX refused to transfer me to her or any other supervisor when I called today, telling me I needed to be patient for the call I've been waiting two weeks for.
Product: Credit reporting

I have contacted Equifax on several occasions in reference to the fraudulent accounts listed as XXXX XXXX and XXXX Bank Card. I 've sent in supplemental police reports that substantiate these matters as fraudulent over the course of months. XXXX card services was investigated and deleted back over a period greater than 6-7 months and now it has resurfaced. I also have personally contacted XXXX XXXX which had been advised by equifax office of consumer affairs but have still been unsuccessful in proving myself to the point that the fraudulent account does not belong to me. XXXX XXXX XXXX with XXXX XXXX have been overwhelming. I have been more than cooperative in providing her every requested document I can possibly present to her to prove my position. Sometimes it seems like the credit bureaus are for the individual whose committing the fraud instead of assisting and protecting the consumer. It would be greatly appreciated if this department could help in resolving this matter with the XXXX credit bureaus. 
Thank You
Product: Credit card

Walmart/CAPITAL One, account number # XXXX I sent a letter on XXXX XXXX requesting arbitration but the company never responded to certified return receipt letter to the legal department. So, I called to see if they received my letter but was ignored and sent around to several departments. They said they could not locate my letter. I disputed security fraud.see certified return receipt # XXXX XXXX XXXX XXXX XXXX letter attached. 

XXXX XXXX
Product: Student loan

Back in XXXX I consolidated all my student loan debt with Wells Fargo, which included a pay off, from them to XXXX in the amount of {$30000.00}. 

Recently, I discovered that XXXX never received such payment and for the last several years I have been having to pay both Wells Fargo and XXXX for the total consolidation amount. 

Wells Fargo has been unable to provide me the information i.e when it was cashed or to whom, although they have provided me a check number and date of payment. I have asked on multiple occasions and they keep saying they will keep looking .... and now they are selling my loan to a new servicer. I need proof, of the chain of ownership in this matter. 

Thank you for your help XXXX XXXX
Product: Credit card

On XX/XX/ I received letters in the mail that five of my credit card accounts had been closed. I phoned the company, Citibank, and requested information as to why the accounts had been cancelled. The representatives refused to give me any information and told me that, as the letters described, I needed to request the information by mail. I sent such a request. As of now I have not received the information. I am XXXX XXXX XXXX XXXX  The card cancellations with no reason are a significant challenge for me, especially at this time of year. The refusal to communicate by phone I find difficult to understand.
Product: Checking or savings account

TD BANK KEEEPS MAILIN ME OPEN ACCOUNT STATEMENTS I NEVER EVEN HEARD OF THIS BANK I WANT THIS CLOSED AND REPORTED ASAP IVE TRIED CALLIN THEM JUST MUSIC
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX was notified in order to suspend the phone service of XXXX because our son was no longer using the phone. The installment payments would continue to be made until we had the funds to pay off the phone. Also, XXXX XXXX XXXX issued credits on our account for changed services that had not yet been applied to our account which were regarding smaller data packages & changes in XXXX XXXX Programming. Every CSA assured us that the credits were taking effect on our account, and would be seen on our next billing cycle. 
In XX/XX/XXXX, the unified account was canceled because services with XXXX XXXX  were canceled ( due to rising costs. ) A new account with only XXXX XXXX XXXX was created with 3 phones & 1 iPad ( including the continued installment payments for XXXX ). The equipment was sent back to XXXX XXXX   once the services were canceled, and the services with XXXX XXXX XXXX were transferred to a new account. Once XXXX XXXX received the returned equipment, our Account was at a {$0.00} balance. 
XXXX XXXX XXXX has been paid faithfully since the account transfer in XXXX of 2018, including the continued installment payment on XXXX. 
XX/XX/XXXX I received a collection notice from Sunrise Credit Services, Inc.regarding a creditor " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$680.00}. I have contacted SCS & XXXX XXXX XXXX numerous times. This collection is from the first/old/canceled account I had, which is a unified account of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX claims that I am being charged for the contract of XXXX, even though I have explained to 6-7 individuals that we continued to pay the installments on the phone until it was paid off on XX/XX/XXXX. A cash payment, in the amount of {$340.00} was brought into XXXX XXXX XXXX Store # XXXX to pay off XXXX. ( I will attach the payment receipt if this process allows. ) Up until this pay-off, I was making monthly payments on this phone as a part of the installment program. From XXXX through XXXX, this phone had no service but was still in our possession until it could be paid off. If XXXX XXXX XXXX received my payment for the phone in XXXX, after continuing to receive 4-5 months of installment payments on this phone, I don't see how they can claim that I owe a contract balance for the phone. This would mean that I would pay for the phone TWICE. I have asked for a supervisor to call me. This will be the 2nd time that XXXX XXXX XXXX has told me that a supervisor would call me. The first time, I NEVER received a call from anyone from XXXX XXXX XXXX. I have always been the one being proactive to get this problem resolved. I am still waiting for the supervisor to call me today. This is beyond frustrating for me. I have spent 8-10 hours on the phone with XXXX XXXX XXXX, the Collection Agency, and the XXXX XXXX XXXX XXXX XXXX XXXX, explaining this situation over & over again, and have gotten no where with anyone. 
XXXX XXXX XXXX assured me that this transition to a new account would be no problem, but it has been handled horribly & there are claims that I owe money that makes no sense.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Ford Motor Credit Company to explain my financial hardship with making loan payments. I work in the auto industry and due to issues with filing for unemployment and due to chip shortage, I was having difficulty meeting financial commitments. The Ford Motor Credit representative told me they could give me XXXX months to get back on my feet and would move those XXXX payments ( XXXX, XXXX, XXXX ) to the end of my loan period. So, my next payment should have been due XX/XX/XXXX. 
Thankfully, my employer had just paid out profit sharing on Friday, XX/XX/XXXX so I would be able to get current. 

Unfortunately, I discovered my car had been repossessed the morning of Sunday, XX/XX/XXXX Contrary to my agreement with Ford Motor Credit. I contacted the agency today, XX/XX/XXXX, and was told I would have to pay the {$320.00} towing fee and another fee of {$310.00} for something else as well as bring my loan current to get my car back. 

Ford Motor Credit representative lied to me and when I tried explaining that to the representative I spoke with today, I was told that I was wrong about my conversation in XXXX ( which I disagree with ) and I have no choice but to pay the extra fees in order to get my car back, that they shouldn't have taken in the first place. Since they have possession of my car and I can't get to work without my car, I have no recourse but to pay money I don't feel I owe. Companies shouldn't be able to lie to people in the first place and then charge them XXXX fees.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Vehicle loan or lease

I was will to negotiate a XXXX payment with this company to delete this account but they denied it and threatening to garnish wages