23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : RADIUS GLOBAL SOLUTION Dear RADIUS GLOBAL SOLUTION, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with RADIUS GLOBAL SOLUTION authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be XXXX % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that RADIUS GLOBAL SOLUTION provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

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

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

It has come to my attention that you have neglected to fulfill the requirement outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. Specifically, you failed to indicate that a particular account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over XXXX  days ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have XXXX accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like the same. Verification of these signature on documents XXXX XXXX  XXXX 15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2
Product: Checking or savings account

The XXXX Washington BECU location the representative on their customer service line named XXXX made fun of my XXXX and declared I was at fault before an investigation even began. 
MY car was broken into on XX/XX/XXXX and my checks, debit card, bank pin information were stolen. I immediately called my bank and let them know. A few days later some checks that I did not write went through the account. I had no idea because without any notification, my online banking access had been disabled for days before I noticed it. I called to see what was going on and I was told that in order to move forward and for them to investigate the unauthorized charges, I needed to file a police report and bring it to the bank. Not true. That is a violation of Regulation XXXX and the bank had a responsibility to promptly investigate it in 10 days. I spoke to a very rude woman who ( before they even started the investigation ) proclaimed that I was a thief and that I stole this money. The 10 day clock started on XX/XX/XXXX. It is XX/XX/XXXX and I just called to recieve an update since I have still been locked out of my online banking access, have received no calls or mail and spoke to 2 people who claimed I would need to file a police report if I wanted them to dispute it any further. Several representatives made disparaging remarks about my memory and called me a " liar '' and " stupid '' even though they are aware that I suffer from a XXXX XXXXXXXX that is protected under the ADA. I was made fun of for my XXXX and humiliated as a punishment for expressing the rights of mine they were violating. 
I was not given due process in this situation and my rights were violated. In order for the them to bide their time they secretly locked me out of my account without any warning prohibiting me from reporting it to them in a timely fashion, they lied to me and said I had to obtain a police report before they were able to investigate unauthorized charges, the investigation was not conducted promptly and went well over 10 days and no provisional credit or access to my account was provided, before they even started the investigation their mind was made up and I was told directly that I was at fault.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is incorrect information like this in my report and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to the Equifax security breach. I am listed as a potential victim on the equifaxsecurity2017.com site. I see the lack of security as a mishandling of my information.
Product: Credit reporting or other personal consumer reports

Transunion has continuously reported inaccurate information. I am disputing the inaccurate and incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on all 3 credit reports from capital one na XX/XX/XXXX that I did not make. I sent capital one a letter XX/XX/XXXX asked them to validate or remove it. I received a blanket response from capital one XX/XX/XXXX reference number XXXX Which is simply a blanket response explaining types of inquiries. It is a hard inquiry that I did not make and they have failed to validate in over 30 days. I want it removed. I spoke to supervisor XXXX today at capital one and she asked for more time. Their time is up.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFT ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my account records. I understand the importance of maintaining a positive credit history, and I would like to address the recent late payments that occurred on my account. I kindly request your understanding and consideration in removing the late payments from my account history. I am committed to maintaining a timely payment schedule in the future and ensuring that such delays do not occur again. XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX customer service representative I understand that the company has policies regarding late payments, and I sincerely appreciate your time and attention to this matter. If there is any documentation or information required to support this request, please let me know, and I will provide it promptly.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice accounts in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate Account numbers XXXX, XXXX, they are strictly in violation of 15 U.S Code 1601b verbatim in its entirety. This is harming my credit worthiness with these false claims. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my debt with XXXX XXXX XXXX for XXXX XXXX XXXX. I paid XXXX and this account is settled. I disputed this with Experian but they have not removed it. Please see attached documentation that was emailed to me from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Did not send any paperwork to my address nor was I aware of this charge off, XXXX XXXX did not contact me nor Experian to validate the charged off debt Im accused of and offered no solution before ruining my credit Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXXXXXX XXXX XXXXXXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct

Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 
Validate this false charge off it does not belong to me. 
Verify This invalidated account. 
inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 1 XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 2 months 9 days 0 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 11 XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 6 years 1 month 7 days 2 XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 1 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 6 years 5 months 1 day 5
Product: Credit card

XXXX XXXX, 2016 I made a payment to my credit card online. The balance amount was XXXX. My payment was {$100.00}. I checked my account on XXXX/XXXX/2016 to find the account overdrawn {$10000.00}. Bank of America debit my account for {$10000.00}. 
I called B of A customer service, was told they would submit the claim but it would take 2 to 5 business days. I asked to talk to a supervisor, he repeated the same words. Evidently it is a script they read from. XX/XX/2016 was a Thursday. Today Thursday XXXX XXXX, 2016, B of A still has my money. How can I get my money returned? Thank you for your help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Mortgage

In XX/XX/XXXX, we came out of our Cares Act Mortgage Forbearance. Our repayment offer was to move the missed payments to the end of the loan. There would be no interest nor payments. Due to our XXXX XXXX  bankruptcy, the paperwork had to be sent to our lawyer. This was a nightmare. They continued to send the paperwork to the wrong address after our lawyer updated his address with them several times. We finally get the paperwork and sign it in our lawyer 's office on XX/XX/XXXX and the paperwork was dropped off at XXXX that same day. We checked often with the bank and as of XX/XX/XXXX, they claimed they had not received the paperwork. Our lawyer spent many days and hours on the phone with different representatives who all gave different answers and were not helpful. On XX/XX/XXXX, he finally spoke with a supervisor who stated that they did get the paperwork but did not like our signatures. I signed XXXX XXXX rather than the way it was written on the paperwork. My mistake. They were supposed to start the entire process over and mail the paperwork out. It was never received. I called daily checking on the status and was finally told that they decided to accept the paperwork and everything was great. We continued paying our payments on the first of the month. Our payments were approximately {$1300.00}. On XX/XX/XXXX, I called to make our payment which was late due to our college student moving into the dorms. I was then told that I owed a payment of $ XXXX. I advised the agent that was incorrect. She stated that they never received the paperwork and that they had mailed me a letter stating that. I never received a letter. I asked to speak to a supervisor and his name was XXXX XXXX. XXXX XXXX stated he needed to research it and would call me back in 30 minutes. I have yet to receive a call and today is XX/XX/XXXX. I also emailed him twice without getting a response. We have called all week and have been told that we would just have to start the process over. Unfortunately, the terms are not even close to the original offer. We are no longer eligible for the VA 's help because we have been out of forbearance for longer than 120 days. We were under the impression that we had everything taken care of. My payments were made over the phone talking to a human, not an automated system. Not once had anyone mentioned that we needed to make a $ XXXX payment. Today we were told that the loss/litigation department was open on Saturdays. After I called to discuss our only option with a rep, I was told that the department closed at 4 and would not open again until Monday. Also, the missed payments totaled {$13000.00} as of XXXX but today on the phone the balloon payment at the end was going to be almost {$23000.00}. I feel as if this bank is disorganized and has lost our paperwork which is making me feel as if we are being taken advantage of. No one calls us back. The answers are always different. And it is difficult to get anything accomplished especially in a situation such as this. It is ridiculous that this situation has been this difficult, and we even had the assistance of a lawyer.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Student loan

Due to XXXX XXXX XXXX closing all their US locations, a loan forgiveness was supposed to be eligible for students. When I called Navient to discuss this I was told that my type of loan was not eligible but other loans were. However, they were not clear on what type of loan I had. Furthermore, I submitted an application to have my co-signer removed but was denied. I have paid thousands of dollars to them but I dont qualify to have my co-signer removed. Very upsetting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today as a follow up Complaint to my recent CFPB Complaint I previously submitted. I previously requested that you remove the accounts and information that resulted due to identity theft. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove any accounts and information that resulted due to my identity being stolen. I also sent you a dispute letter dated XX/XX/XXXX, with completed attachments of my personal information as well as the Identity Theft Report I received from the FTC for reporting the identity theft. I request of you one thing and that is to remove the following fraud accounts and information of from my Credit File 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items belong under my name, I need you to provide me with supporting documents such as proof of verification, proof of ownership, or documents that resulted from your investigation. If you can not find any legal basis to continue reporting the disputed items, immediately remove the disputed items from my Credit File as soon as possible.
Product: Payday loan, title loan, or personal loan

Hello, So, I was the victim of identity theft from a previous book-keeper, ( XXXX XXXX XXXX XXXX He took out this very high interest loan using my information. I DID NOT know the interest rate was XXXX XXXX  I would never have authorized this if that had been disclosed. It was deposited into my business account by the book-keeper ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a very high interest line of credit that I would never had authorized if I had known how high the interest was. I have reached out to the company with an email regarding the fraud situation. I also have a case number with the local Sheriff 's office and the FBI to help catch this person who did this to me. FBI Case Number : XXXX and XXXX XXXX Georgia Sheriff 's office XXXX XXXX XXXX XXXX 

Please let me know how I can combat this injustice. I should not be responsible for debt incurred through identity theft. My company can not afford any super high interest loans.