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

I am writing to formally dispute the inaccurate information reported to the credit bureaus regarding an alleged late payment on my account for XX/XX/XXXX which I firmly contest as being falsely reported. Discover Bank failed to provide me with the statement that was mailed to me 21 days before the due date. 
Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate information to the credit bureaus, including payment history. As a consumer, I have the right to receive accurate and timely statements related to my payments.

The law that refers to the 21-day rule for billing statements is part of the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ). Under this act, credit card issuers are required to send a billing statement at least 21 days before the payment due date.
Product: Student loan

I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account take notice of my intent to sue. In previous months, I requested the repair of inaccurate pieces of information which another credit reporting agency found to be inaccurate and had fixed. Due to your lack of response, which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. correct these dishonors
Product: Debt collection

Source Receivables management PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). 
Reporting false information with an open balance
Product: Credit card

I have a hard inquiry on my credit report from JPMCB. I never applied for a credit card with this company. Additionally, I have no paperwork from this company and have no idea what information they have for me as a potential customer. I understand that they should have sent me information on any account for me that they might have. I have nothing to reference for the complaint. I see online that Chase is associated with this company. I did have a similar issue with Chase and they were to look over my whole file and reverse any damage that was done to my credit report. 

I am sending them a letter today regarding this issue. It's attached below. 

I want the hard inquiry removed and my credit score to reflect the change immediately.
Product: Mortgage

Loan care did n't apply payments received then forced placed insurance on my home then filed foreclosure on my home will in foreclosure they credited me for forceplace I filed class action for forceplace they settled the case out of court but still I 'm in foreclosure please help me.
Product: Checking or savings account

On XX/XX/XXXX I tried to deposit check # XXXX that was written to me by XXXX XXXX on XX/XX/XXXX. I had misplaced the check and recently found it. On XX/XX/XXXX XXXX XXXX received a text message from Bank of America asking if he had written a check in the amount of {$3000.00}. He did not receive any other information about who the check was written to or a picture of the check. So he responded with a " no ''. On XX/XX/XXXX Bank of America returned the check and decided to close my bank account and my son 's custodial bank account for " Altered/Fictitious '' activity. They then sent my name to XXXX. The new account I had opened with XXXX XXXX XXXX was closed along with my son 's newly opened bank account. XXXX XXXX called Bank of America and XXXX to tell them he had made a mistake and did write check # XXXX in the amount of {$3000.00} to me. I submitted my claim with XXXX  on XX/XX/XXXX. It is now XX/XX/XXXX and Bank of America has not made a decision. They are still " working on their decision ''. XXXX XXXX has written the attached letter stating that he did write the check to me and that there was no alteration done to the check. I have also attached a copy of the original check along with the letter from XXXX XXXX. 

Bank of America needs to remove their claim against me with XXXX so that my name can be cleared and I can once again have a bank account.
Product: Mortgage

Morning, I have requested several times the payment of one of my mortgages, I have been trying to get this information for a month, they called me because I sent many emails claiming, but they told me they would send it to me and I have more than a week and nothing they send it, I no longer know who to talk to and who to contact, it is always a problem with this bank to make any claim, they work very badly, I am their client ... it does not seem that they. They are my client because I always have to point out the work that they do wrong and they still don't fit it ... I feel frustrated with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you are reporting illegally inaccurate information on my credit report { XXXX XXXX } documents enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX, I received information from a friend that a coworker was selling a Off-road recreational vehicle. After messaging with the " seller '', we agreed upon a {$1800.00} refundable deposit via XXXX to hold the vehicle until my husband and I could go look at it. Within XXXX minutes, another co-worker informed us that the co-worker was hacked and she was not the person everyone was talking to... I reached out to the " seller '' and asked for my money back and they blocked me. I reached out to PNC bank and they stated that they could not stop a XXXX transaction but to call after XXXX hours and they would help me file a fraud claim with PNC. I also went directly to the local police station on XXXX and filed a police report. The next day ( XXXX ), I filed the fraud claim with PNC in XXXX XXXX. After three days, I received a denial from PNC stating that I authorized the XXXX payment and my claim was denied. I then went to PNC bank in XXXX XXXX and the bank manager assisted me in uploading documentation and file another fraud claim for me. On XX/XX/XXXX, I received a second letter stating PNC denied my fraud claim. I do not understand how this is not covered by PNC fraud insurance. They have the name and the phone number of the person who received the money through PNC XXXX banking app. and PNC stands behind XXXX as a verified company to transfer monies for their consumers.
Product: Debt collection

XXXX XXXX XXXX has reported false and incorrect information on all 3 credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with XXXX or REVVI on XXXX I don't understand why this company would report incorrect information knowing that's its false.
Product: Debt collection

I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.
Product: Debt collection

On multiple occasions, starting on XX/XX/year>, I have written to Portfolio Recovery Associates requesting verification of an alleged debt. I have written them numerous times and they have failed to respond. 


PORTFOLIO RECOVERY ASSOCIATES XXXX Alleged Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on these items are a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$860.00}
Product: Mortgage

I have had this mortgage since XX/XX/XXXX. My rates have been as high as 14 % during this time.I have had struggles with the payments as a result of the economy and the drop in real estate sales over the past few years. The predatory rate that still exisits on my mortgage has not helped matters any. My rate is still XXXX or XXXX points above market rate right now after XXXX modifications. I owe almost as much as I borrowed XXXX years ago. This is even after they claim they charged off {$120000.00}, which is also unfair action, given that I have to file that on my taxes and pay almost {$30000.00} in taxes that I can not afford. It is obvious that Chase does not want to make my home affordable for me although I have paid extreme predatory rates for years now. In addition, my loan is illegal to begin with, as it was originated from an unlicensed lender. ( XXXX XXXX XXXX ), now out of business and no NC loan license. It has been sold to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EMC Mortgage and now Chase. Precedent has been established in NC that mortgage loans originating from unlicensed companies or even individuals are subject to cancellation by the state of NC. I have tried to do the right thing in not filing suit on those grounds. It is doubtful that this loan will pass the smell test for securitization. I have worked along with Chase to modify and make arramgements that have not been in my best interest financially, and keeps me in a bind. My payments have been as high as {$4500.00} per month. ( when had variable rate ). The most recent payment arrangement that was offered to me this week is a prime example. I am already financially challenged and Chase wants a $ XXXX downpayment and ober XXXX per month. I have done extensive repairs to my home and want to keep it. It still has foundation settling that XXXX XXXX estimated in XX/XX/XXXX for over {$30000.00}. It has since gotten worse and many of my doors will not close properly and the fireplace is separating from the wall. This impacts the value and safety of my home. The value that has been placed on my property during this modification process is inflated because no one has been inside or on the grounds to see the problems. I have been disqualified unjustly for a decent modification because of false information on the appraisal. The homes in my area are older, not energy efficient and stay on the market on an average of XXXX years or more. The comps used in the value are out of my comp zone. That could be deemed as fraudulent. I really need a reduction in my balance to match the real value and a rate concurrent to market or below since there are programs from the President to help homeowners. Otherwise, this loans needs to be litigated in court to prove it is illegal and that I have overpaid all these years.
Product: Checking or savings account

Approximately {$3000.00} was stolen from my account. MY problem with my bank is obvious because, despite having the card and only using a couple of time to withdraw a small amount that was also replaced, i also have a problem with the CFPB for not enforcing federal law designed to protect consumers or at least force bank to protect its customers. I don't know how it is done, but Debit cards are duplicated and the PIN figured out without the holders knowledge. Also federal limits the loss of the card holder, something CFPB WILL NOT ENFORCE. Santander bank will not assist me because it does not have to, due to this federal agency not doing its job. I work way too hard for my money as well as meet responsibility to perpetrate fraud against myself. I want justice. 

Please don't play with my intelligence and say go to the police. The police treat me like i am the criminal and does not follow up on anything, meanwhile banks treat its customers as cash cows while getting federal bailouts at taxpayers ' expense.
Product: Debt collection

In XX/XX/XXXX, I paid XXXX XXXX for XXXX imaging services performed on XX/XX/XXXX. The amount paid was {$930.00}, the amount due and owing. My insurance company at the time, XXXX XXXX XXXX XXXX of Georgia, paid the hospital {$4900.00} for a total paid and allowed as {$5900.00}. Discounts negotiated between XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) were expressly stated as {$6600.00}. The total cost of the service was {$12000.00}. Now in XX/XX/XXXX, XXXX XXXX billed for amounts identified as the discounts in the XX/XX/XXXX billing statement dated XX/XX/XXXX. It is well over a year later, and XXXX XXXX somehow adjusted the discounts afforded XXXX in XX/XX/XXXX and billed me for {$3400.00} in XX/XX/XXXX. I wrote a letter requesting the contract and pricing schedule related to XXXX XXXX services which allows for XXXX XXXX to bill for these amounts that were contractually negotiated as allowed discounts for XXXX  subscribers, and my letter was ignored and my account placed in collections with XXXX XXXX XXXX. I asked the collections firm for the documents I requested that would be found in the services agreement, and they stated that I should take the matter up with the creditor, XXXX XXXX because I have all the documents I am suppose to have. Since this verbal request to XXXX XXXX XXXX, I requested debt validation from XXXX XXXX XXXX and made a second attempt for production of documents from XXXX XXXX related to the contract which allows for the disallowance of contractually negotiated discounts for XXXX subscribers. 

This is not right and makes no sense. My account was paid with no balance due, and now I am in collections with a third party collections agency because XXXX XXXX fails to be transparent about discounts no longer afforded to me as a XXXX subscriber over a year later. XXXX has sent me another explanation of benefits dated XX/XX/XXXX which states the same discounts and allowances as my explanation of benefits dated XX/XX/XXXX. Both XXXX explanation of benefits summaries reflect the totals outlined above with my patient total stated as {$930.00}. 

Please request the documents I am not able to receive from XXXX XXXX so I can resolve this collections matter which is an amount I definitely dispute as not due and owing well over a year later. I have requested these contractual documents from XXXX  and awaiting a response.
Product: Checking or savings account

A penalty fee of $ XXXX/mo continues to be assessed for excessive time by Bank of America despite {$50.00} minimum balance kept in my BA checking account ever since I inadvertently let the checking account balance go below BA 's arbitrary minimum balance ( account was NOT overdrawn ). I have been waiting an excessive time for cessation of this " penalty ''. 

No doubt I am not the only customer being " penalized '' unjustly. Please confirm, investigate, and enforce refund of this $ XXXXmo " penallty ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX was paid XX/XX/2020 and was advised with payment it would be deleted off account
Product: Debt collection

CFPB Complaint Summary Improper Debt Handling During Active Dispute Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account/Reference Numbers : Radius Global Solutions LLC 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  : I submitted a formal dispute with XXXX  regarding a collection account reported by Radius Global Solutions LLC for an XXXX XXXX XXXX XXXX XXXX. Radius was claiming I made payments on the account, which I never didraising serious concerns about account re-aging, especially as the XXXX reporting limit in XXXX  was approaching. 

XX/XX/2025 : I received a collection notice from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, stating they were now collecting on the same XXXX XXXX XXXX debt ( account # XXXX ). This was confusing and concerning, as my XXXX  dispute with Radius was still ongoing and no notice of debt transfer or resolution had been communicated. 

XX/XX/2025 : I received XXXX more letters : XXXX. A letter from Radius Global Solutions, dated XX/XX/XXXX, stating they had returned the debt to XXXX XXXX XXXX and were no longer collecting. 


XXXX. A letter from XXXX, dated XX/XX/XXXX, confirming that the collection account from Radius had been DELETED from my credit report. 



XX/XX/2025 : I received the above documents in physical mail and began reviewing the timeline and legality of the actions taken. 



-- - Why Im Filing a Complaint : XXXX sent a collection notice on XX/XX/XXXX, even though Radius did not officially return the debt to XXXX XXXX XXXX until XX/XX/XXXX. 

This suggests that the debt was transferred or resold during an active dispute, which I understand to be a violation of the FCRA and/or FDCPA. 

Radius falsely reported paid activity to potentially extend the life of the debt on my credit file. 

I was never notified of the debts reassignment prior to receiving XXXX letter. 

No validation of the debt has been provided by XXXX, despite my dispute email sent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company claims its reporting too the 3 credit bureaus, and bureaus no such reports has been made to them. In fact XX/XX/XXXX & XX/XX/XXXX there were no reports submitted at all.and the balance of the credit remains the in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit score it shows I have went down in score due to having stuff in collections, I called the company that shows I owe money to and they told me I do not have any balances remaining.
Product: Credit card or prepaid card

Received a Venmo credit card through synchrony bank .card was never used by me, but three large charges were placed on the card when I called to check the balance.
Product: Credit reporting, credit repair services, 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 Original creditor : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX 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 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 or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

I have requested a refund in accordance with policy of being entitled to refund for payments made during the COVID payment pause. I first requested by email in XXXX, I requested again on XX/XX/XXXX. The company will give no details or estimate for a refund will be issued.
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 Account Name : XXXX XXXX # XXXX 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: Money transfer, virtual currency, or money service

I have spent the last XXXX  months in 2024 trying to close this account and get my money mailed to me via a check. I requested to close my account. I was told to submit my social security card because they could not verify my identity. I did that. Then I was asked to take a selfie and upload it and upload a picture of my passport. I did that 4 times.
Product: Credit reporting or other personal consumer reports

To whomever this may concern, My name is XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC Code 1681S-2 and 15 USC Code 1682G, the listed accounts provided in this statement should not be reported on my consumer reports. The accounts listed violate my rights as a federally protected consumer per the Fair Credit Reporting Act and Consumer Financial Protection Buruea. According to the listed codes, they state that it is Non permissible for any reporting agency to report any information to the credit bureaus without a written contractual agreement, which i never provided to either company. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts off of my credit reports immediately.