23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a notice on my credit report from " Radius Global solutions '' with the creditor being " XXXX ''. I can not get in touch with radius global solutions, and havent seen any paper bill from them. I had XXXX XXXX for about 4 weeks before I cancelled it because it was incredibly slow. Come to find out, the con-artist like sales person who sold me the plan told me i would get 100 mbps and be able to have 10 devices on the network actually sold me a plan that wasnt available in my area. The plan I actually got, was only 25 mbps, with only 6 devices allowed. XXXX credited back all of the unused days because i paid for the month in full, and she told me my balance was XXXX, and it was closed at that point as i no longer wanted their services. I never carried a balance on the account after that. This was taken care of 2 years ago, removed off my credit report in 2021, and now its coming back up because XXXX wont confirm with Radius Global Solutions that i do not owe it. They simply notate my account that i do not owe it, and then tell me that i have to take it up with Radius global solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX  PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX
Product: Checking or savings account

on XX/XX/2020 I received funds from the State of Arizona for my unemployment claim that was sent to my fiancs Bank of America checking account. My fianc had my power of attorney and went to the bank to add me to her account and was told that she could not do that. Due to the funds being sent in my name and not being on her account they closed her account causes her funds from SBA to be held ( which she has now received ) but along with my funds of {$9400.00} and they closed the account without releasing the funds. We have contacted Bank of America and they give us the run around regarding releasing the funds and to contact the State of Arizona, but when I contacted the State they said that the funds were submitted and that I would need to contact Bank of America.
Product: Mortgage

XXXX is an agency employed by USAA to manage mortgages and escrow accounts. XXXX manages our mortgage and escrow accounts. 

Our property has two tax accounts on it. XXXX paid one account in the amount of {$6.00} ( with  {$0.00} credit for full payment on time ). This account was paid on time, by XX/XX/2018. XXXX failed to identify the second tax account on the property. They failed to pay on time, thereby forfeiting the 3 % discount available ; and they incurred late payment interest charges. 

We had paid sufficiently into the escrow account to cover the second tax bill. XXXX mailed a check to us because they did not recognize the further tax obligation. 

We identified the problem and notified XXXX of the error on XX/XX/XXXX. XXXX directed us to destroy the overage check, and promised to pay the outstanding balance. 

Multiple phone calls and two letters have ensued as we attempt to correct the problem. XXXX eventually paid the taxes, but have made a mess of our account. Our escrow account should show a balance of {$1000.00}. They indicate a deficit of - {$2800.00}. They can not account for the balances or deficits that they are reflecting on our statement.
Product: Mortgage

In XX/XX/2019, I refinanced my office building loan with US Bank. At the time, I inquired about the prepayment penalty in the promissory note. The promissory note made a vague reference to the calculation that only a Chartered Financial Analyst could understand. I wanted detail information as to how it is computed so I could understand how to mitigate such a penalty in the event I sell my building. I was told " not to worry about it and that it is there in case rates went down to protect the bank. '' Had I had this detail information, I could have gone to another financial institution to see how their prepayment penalties work in comparison. US Bank, however, did not want me to go to another institution and made the refinance easy only asking for my drivers license and my wife drivers license. No tax returns, no financial statements, no paperwork. I am now contemplating selling my office building and asked the bank for payoff information and the prepayment penalty. The bank sent me a payoff statement with a prepayment penalty of {$13000.00}. I asked the bank for a detailed computation of the prepayment penalty and I was told that I have to sign a nondisclosure agreement regarding the calculation. The bank has told me that such a calculation is confidential and proprietary. However, it is my calculation as I am the one paying the prepayment penalty. I should not have to sign a nondisclosure agreement to get the calculation for my prepayment penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 5 accounts that are reporting on my credit report. The accounts that I disputed are XXXX XXXX XXXX which is reporting 4 different accounts and XXXX XXXX XXXX. I demanded them to delete the inaccurate accounts but the accounts are still on my report. The accounts was not verified or validated, nor did I give anyone consent to report on my credit report and I have never been in a contract with either of them. The company has already violated my consumer rights 5 times. I've disputed these accounts multiple times. I disputed in XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL XXXX VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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: Consumer Loan

I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days late XX/XX/2015, XX/XX/2015
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempt to address the presence of late open account in my credit file. Despite our prior correspondence and my persistent efforts, it seems that the late open account have not yet been corrected. I kindly request that you escalate this matter and undertake all necessary steps to correct the late open account from my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the removal process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. The accounts should be corrected as soon as posssible : XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies : XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because Equifax, XXXX, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each inquire who provided a phone number I called and ask for reasoning and the all came to the same conclusion to see if I qualified for a product with them, I never gave permission to theses inquires to pull my credit I believe my account is a victim of fraud and its been going on for a while now. They all told me it was nothing that they could do to help i should contact the credit bureaus and the bureaus directed me to you guys. 

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 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, credit repair services, or other personal consumer reports

See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. Wells Fargo XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Product: Credit card

I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I opened an account with citi bank on XX/XX/22 and transferred {$6000.00} into the account to open it, on XX/XX/22 the locked my account and said me transferring funds was fraudulent, even though they told me I had too to open the account. I called them on XX/XX/22, the same day, to try and unlock it and they said no they were closing the account and their was nothing I could do and they would mail a check in 60-90 days. I have tried to call at least 12 over the past year times and every time I get a transferred multiple times and told they can not help me I just have to wait, they wont even tell me if they mailed it or not.
Product: Checking or savings account

Back in XX/XX/2023 I tried depositing {$1300.00} into the ATM after work because the bank was closed. I forgot to grab my debit card and the next morning I got my card back, but no money got deposited. The bank said that their ATM didn't have an outstanding balance. They said they would put a ticket in for the cameras and that never got checked. Now they have closed my account with a negative balance and I can't open a new account anywhere.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, Synchrony Bank Care Credit, has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer account credit plan as late for any purpose
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 & Account XXXX has violated my rights. Or 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 or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquiries on my account that I did not authorize. I called to get them removed and was not helped by your customer service. 
The following Inquiries were not authorized by me. 
1. XXXX XXXX XX/XX/2017 2. XXXX of XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXXl XX/XX/2017 6. XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

Fraudulent accounts that need to be removed that's negatively impacting my credit report. 
XXXX date opened XXXX amount {$360.00} XXXX XXXX XXXX date opened XXXX amount {$13000.00} XXXX date opened XXXX amount {$300.00} XXXX XXXX XXXX XXXX date opened XXXX amount $ {$1000.00} these are some of the fraud accounts that was opened when my identity was stolen I uploaded supporting documents for these accounts and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complain, which has a record number : XXXX. However, Lakeview XXXX did not carefully investigate and correct errors on my credit report. As the result, there was no change in my credit report. 

Lakeview XXXX has found out errors and corrected the credit report the Bureau. The correction was made for the month of XX/XX/2021 and XX/XX/2021. Lakeview needs to re-investigate this matter and stated that they did not review my credit report diligently. 

I am requesting Lakeview to remove all negative marks on my credit report due to its bad practice. 

Thanks,
Product: Credit card

My husband and I used Citi Cards thank you points for a flight to Florida ( from DC ) and a car rental in XXXX XXXX. When we arrived, XXXX XXXX refused to allow us to use the thank you points, indicating that Citi Travel had used the wrong code, a code only for foreign travelers. After spending over an hour on the phone with Citi from the XXXX XXXX, Citi declined to intercede with Budget and refused to reimburse us for our payment to rent a car from XXXX. ( the line at Budget was too long at that point ). We paid {$370.00} for the rental ( in my husband 's name, XXXX XXXX ). Citi said it could restore to us the thank you points we had used, but that would not remedy its mistake. I am XXXX XXXX XXXX and my husband is XXXX and we are not in the best of health. We have no plans for and no expectation of further air travel. If we cashed in the thank you points we lost, it would not come close to reimbursing us for the cost of the rental. It has been over 3 weeks since we wrote to Citi Travel, and we have received no response. 
Incidentally, the Citi agent who had booked our reservations spoke very limited XXXX, requiring us to take 2 hours to make our reservation, and misspelled my husband 's last name, requiring us to take additional time to correct his name on the airlines ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity on my credit report I called and filed out complnt with transunion but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXalso on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

The debt collector failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). During the time of service, the apartment was flooded out and I was not living in the apartment due to a natural disaster. I do not owe this balance.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to c
omply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York, XXXX DOB XX/XX/XXXX SSN # XXXX Date XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX, PA, XXXX RE : Letter to remove inaccurate credit report information Dear TransUnion, There are several inaccuracies in the following accounts Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Balance {$670.00} I am demanding that these items be removed as your company failed to do an initial investigation on these items. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) the banking system is dependent upon credit reports being fair and accurate. The banks can not function without my consumer reports being accurate nor can I extend my credit for essential things. This grave error has undermined my confidence in the public and I am not able to use my consumer credit. Pursuant to 15 U.S. Code 1681 ( b ) ( 2 ) I never gave your permission to furnish a consumer report on my behalf nor did I give you written consent with my wet ink signature. You are supposed to have my permission to furnish this report and I never gave consent for you or any other person to furnish information on my behalf. I demand that you provide to me the original contracts for the above said accounts and I also demand you provide me a contract including my wet ink signature which gave your permission to furnish this information on my report. If you can not provide such documentation these items shall be blocked and removed from my consumer report. If the failure of such items are not blocked and removed, failure of your willful noncompliance can result in a lawsuit. You are harming my reputation and defaming my character by reporting inaccurate information and causing mental anguish and injury as I have been denied credit. I am expecting to get a home in a few months and this inaccuracy is causing me to be denied by lenders because it is reporting negative. I also demand you provide me with a sworn affidavit showing proof that I granted you permission to furnish a consumer report on my behalf with the failure of such information the above accounts shall be removed. 
Here are the following inaccuracies The account number is missing The monthly payment is missing. 
If TransUnion. fails to make any reasonable procedures to resolve this matter and the use of inaccurate reporting information and my rights to privacy I will indeed make TransUnion criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
Foster : XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural inalienable Rights Reserved
Product: Mortgage

I have been trying to obtain a modification of my loan with Wells Fargo since XXXX. I am a nurse who lost her job during the recession In XXXX I started working again but Wells Fargo denied my modification because they said my income was too low. My income has approved and late XXXX they approved a modification but the payment was almost the same as my previous payment of {$3900.00}. Wells Fargo tells me that the investor only allows XXXX try at a modification. My house is set for sale XXXX XXXX. I look at my modification attempt in late XXXX as a continuing XXXX because the previous amount was too high. We could not afford it. We could afford {$3000.00}