23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously filed a complaint through the cfpb against this company for this and their response was Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Its been 5 days since my last communication with the company and I still have not received any documentation verifying that I own whatever debt they are trying to collect. According to 15 U.S. Code 1692g ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Congress Clearly STATES THAT YOU HAVE 5 DAYS TO SEND ALL THE INFORMATION SITED ABOVE TO ME ( PERSON ). It has been 5 days since last communication with collection agency. YOU HAVE VIOLATED THE 15 U.S. Code 1692g ( a ) by not being able to verify this debt in the time length given by congress. You have 10 Calendar days to request account deletion from all consumer reports for the account below Failure to respond satisfactorily with request for deletion of the above account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non Compliance 3. Civil liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15U.S.C 1681 violations for willful noncompliance [ 616 Civil liability for willful noncompliance [ 15U.S.C 1681n ]
Product: Consumer Loan

I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes, I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again, I was told " no ''. 
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help, I called Honda back and asked again for help so I can keep my vehicle, and again was told " no ''. I explained I was not unemployed by choice and am looking for new employment like a madwoman! I was told being unemployed is not considered a " hardship ''. Are these people all high??? It 's a hardship for me! 
I live in a very rural area.We have NO public transportation here! If you do n't have wheels, you DO N'T work, nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties, to contact them immediately and they can help.They have offered me NO help and I do n't want to lose my truck!
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Report and Request for Immediate Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple inaccurate entries on my ChexSystems consumer report due to identity theft. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and the removal of these fraudulent records. This is my third dispute with the chex systems, they never complied or investigated with my disputes I made via telephone and mail on XX/XX/XXXX and XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone Number : XXXX Reported For : Overdrafts ( Disputed by the Consumer ) Name Reported : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX, GA XXXX SSN/ID : XXXX Account Number : XXXX Original Charge-Off Amount : {$540.00} Date of Closure : XX/XX/XXXX Closure Status : Unpaid XXXX XXXX XXXX XXXX XXXX Name Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX SSN/ID : XXXX Account Number : XXXX Original Charge-Off Amount : {$530.00} Date of Closure : XX/XX/XXXX Closure Status : Paid in Full ( Closure Status Date : XX/XX/XXXX ) Inquiries Viewed by Others : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX ( On Behalf Of Various Lenders XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  Inquiry Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX ( On Behalf Of XXXX XXXX ) Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX  XXXX, XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX XXXX Date : XX/XX/XXXX Inquiries Viewed Only by Me : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Phone Number : XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute : I am a victim of identity theft, and these accounts and inquiries are fraudulent. As per my rights under the FCRA : 15 U.S.C. 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft upon request and verification.

15 U.S.C. 1681i : Mandates an investigation and removal of inaccurate or unverifiable information.

15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate or fraudulent information after being notified of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX  XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Debt collection

My relatives are getting called non stop, they have never reached out to me. Call seems like phishing to be honest. Threaten my relatives with legal action against me. This apparently has been happening for weeks. I called todayXX/XX/to see who exactly is trying to find me and they flat out refused to answer any of my questions, unless I confirmed information that they already have. I refused to confirm any information that this company has because I have never opened any type of account or affiliated with this company. For this reason, I refuse to confirm any information they have. I told the representative this information and they refuse to tell me what they were calling about. Which is odd considering they have all the info supposedly. I never have opened an account with this company nor do I know who they are. I do not want them to contact me or my family. They also threatened to call or come to my work place which is weird.
Product: Credit reporting or other personal consumer reports

Your information may have changed since XX/XX/XXXX Account Info XXXX XXXX XXXX XXXX XXXX XXXXXXXX highest XXXX Account Name XXXX OF XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$450.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment -Monthly Payment -Credit Limit {$300.00} Highest Balance {$450.00}
Product: Mortgage

On XX/XX/XXXX I applied for a Discover refinance home equity loan. I was given nine point interest-rate and everything was going smoothly until XX/XX/XXXX when they said I was in a flood zone which I am not. I submitted all the documents from XXXX showing Im not in a flood zone. I then been followed up with a call to the document loader because I was willing to even buy flood insurance and then cancel it later so that this loan would go through. She stated that all the documents looked good and then now we wait for them to reject and to give us Extended deadlines to prove otherwise. My first mortgage does not have flood insurance and it is not required because Im not in a flood zone. They told me that XXXX reported that I was however when I called XXXX XXXX said that XXXX not in a flood zone and that many of these lenders use third-party, conservative underwriters that will demand flood insurance if you are close to a flood zone. This sounds like a cash grab and seems to be illegal Forcing me to buy flood insurance when Im not in a flood zone. Meanwhile because its another month it is now XX/XX/XXXX. They canceled my loan application even though it wasnt my fault and there have been two rate hikes so now I have to reapply with a 9.8 % interest rate. And still fighting to prove I am not in flood zone
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded my ID and identity theft report too many times and some of the agents keeps saying they received it and some said I have to wait 5 days for processing so Im confused Im just trying to get a fraudulent item blocked on my credit report that it and I hate waiting when all my credit cards are in a jeopardy to be closed down .. and I want to dispute a item from XXXX XXXX account and I have the FTC report and my ID to inclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Amount of debt reported as owed is unverified 2. Inaccurate unverified and missing payment dates reported 3. Inaccurate unverified and missing payment amounts reported 4. Unverified reporting of address associated with the account 5. Request for documentation of a original consumer contract being signed agreeing to the debt have gone unverified. 
6. On XX/XX/22 The credit bureau was supplied A police report and identify theft were supplied verifying l did not authorize this account and it was acquired without my knowledge or concerns. 
7. Each requests for valuation of the debt have gone unverified.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C 1681 which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administration proceedings ( File no. XXXX ) against them for similiar violations. I request that the Cfpb take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation, I have multiple accounts that have been reported inaccurately. XXXX XXXX XXXX account # XXXX report balance XXXX this account was not open by me and it states this account was opened in 2024 which is not accurate. Once again never heard of the company not opened by me. 
Personal information is listed is not accurate as well. Inquiries I did not do 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 XXXXXX/XX/year>. All these hard inquiries were not me. XX/XX/year> XXXX. Soft inquiries are out of control as well. I never asked for these and they are happening practically everyday. 
XXXX XXXX XXXX : account XXXX in accurate and misdated. when I disputed they will report over and over again with a new open account date. XXXX XXXX  account XXXX XXXX associated with an address I never lived at. XXXX XXXX  has me listed for two when I only had on and its closed and paid off account # XXXX. I called and disputed with company as well as credit agencies still listed on credit report. I also have attached documentation reflecting my disputes and it always comes back accurate with no removal, but no documentation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Please make a thorough investigation on the following : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Former : XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX Date of Birth : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to conduct a proper investigation in order to correct the following erroneous information being reported on my XXXX XXXX. I have read that the Credit Bureaus are required to required to validate these accounts in line with the FCAR section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have been sending letters to addressed to the Credit Bureaus requesting that they conduct proper investigation and correct any erroneous reporting they can find. But despite all my efforts to correct my Credit Report, the Credit Bureaus seem to find entertainment in seeing a consumer struggling with their Credit Reports. I am now submitting this complaint requesting another investigation to be properly conducted this time and correct all erroneous reporting on my XXXX XXXX. Specifically, I need the following account corrected now : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2016
Product: Debt collection

XXXX XX/XX/year>, I filed disputes with all three consumer reporting agencies pertaining to alleged debts under account numbers : # XXXX # XXXX. When I received my reports they had said accounts pertaining to Radius Global Solutions and XXXX XXXX XXXX claiming them to be verified. So today, XX/XX/year>, I called Radius Global Solutions and XXXX XXXX XXXX to get a copy of the Purchase Agreements they had with creditors pertaining to those alleged debts. Both agencies emphatically informed me today that they dont have any purchase agreements pertaining to any Debs XXXX any creditors. So I called XXXX and XXXX but XXXX wanted to text so I explain everything in the text. Radius Global also informed me that the account # XXXX was in fraudulent status, so I informed XXXX about that ( after Ive already disputed this months ago ), and about them not having any XXXX XXXX with any creditor about said alleged debt, emphatically stated to me that they can not delete that fraudulent inaccurate information. So now Im writing this complaint. Under 15 USC 1692g, I requested for these collection agencies to validate the debts by giving me a copy of the Purchase Agreements between them and the particular creditors, and both agencies informed me today that they dont have any purchase agreements pertaining to any debt with creditor 's!!! So they have never sent me anything! Since they couldnt validate the debts, I contacted XXXX and XXXX about said collection agencies not validating the debts and informed them that those accounts need to be deleted. I was told that they cant be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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: Checking or savings account

First Citizens Bank offered a {$300.00} bonus. The requirements included opening a checking/savings account, making 10 debit card transactions, and enrolling in e-statements. I opened my account on XX/XX/2020 and completed the requirements on XX/XX/2020. I pursued this offer in good faith and thought that First Citizens would honor the advertisement found on its website. I called the bank a couple weeks ago to ask why the bonus has not posted to my account yet ; the representative advised me to wait a little longer but that it will post shortly. However, I called the bank today and was disappointed to hear that my account would not receive the bonus. I have a screenshot of the offer on their website ( which the Sales Team, remarkably, did not know existed when I inquired ) and a phone conversation with a representative confirming that I will be receiving the bonus. I am confident that the CFPB will step in to rectify the situation by demanding the bank to honor the {$300.00} bonus and protect consumers like myself.
Product: Student loan

I have been communicating with both my servicer and guarantor due to a fraudulent " notice of default '' claim that was filed and paid. I am now inelgible for financial aid eventhough I never defaulted and had just come off a forbearance period when the claim was filed. Both companies continue the point the finger at the other. Today, I called and spoke to a representative named XXXX who refused to provide additional information. I asked her what dates are listed as my loans being delinquent on the claim XXXX  filed. She only referred me back to them. She stated she is only in collections. I informed her I am versed in how collections work and that a company must substantiate any claims of delinquency by providing the dates an account was in default. She refused to tell me what information was on the claim filed by XXXX. I told her having that information would allow me to submit proof of my forbearance period to get my loans taken out of a " default '' status. I have made payments to both XXXX and ECMC within the past 8 days. ECMC is refusing to accept my proof of non-default which is preventing me from receiving financial aid. ECMC is not willing to update my loan status even though they are aware my account never defaulted and that they paid on a false claim.