23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/2018, i had a payment agreement with a Debt Collection agency called Radius Global Solutions LLC and XXXX XXXX towards an XXXX XXXX platinum card in which i had owed ; In this agreement, i had agreed to allow Radius Global Solutions LLC to withdraw XXXX dollars a month, each month until the debt was satisfied. For 15 months XXXX XXXX XXXX had withdrew XXXX dollars and XXXX XXXX would send me an email confirming that they received this amount. I thought everything was going okay until i realized something didn't seem right, when i received and look at an XXXX XXXX XXXX payment statement and notice that they had charged me for late and interest fees. I closely checked the 9 page payment statement and notice that that XXXX XXXX XXXX withdrew money from my checking account and paid XXXX XXXX on the XXXX of each month but the payment due date on the XXXX XXXX Statement were on the XXXX of each month, so for 15 months XXXX XXXX XXXX had intentionally withdrew my money and paid XXXX XXXX after the due and had me racked up over {$900.00} in interest charges and the current balance is {$1400.00}. I didn't understand what just had happened, so on XX/XX/XXXX, i called XXXX XXXX and asked them what was going on, XXXX XXXX told me that they had limited information my account because the account was closed and i should contact Radius Global Solution. When i called XXXX XXXX Solution, i ask them why were the payments made after the due date? I was asked to call back in a few days so they can investigate, when i called them 5 days later on the XXXX of XXXX, i was told that they didn't know why my account had this error and that they wanted to set up a new payment agreement so that i can have my money withdrawn on the XXXX of every month or pay a settlement amount of {$800.00}. I couldn't accept any of these offers because i would be paying for the mistake that the company made, i would have to over {$900.00} interest fee. I asked if i can be credited for toward the current amount i owe but XXXX XXXX Solutions told me to call XXXX XXXX and asked to have these interest fee reversed because they claimed they have limited information or access to my account. I called XXXX XXXX and i explained my situation, I was told that they also have no information of my account and that XXXX XXXX Solution holds and has full information of my account and i need to call them. I made one more phone call to XXXX XXXX Solution and told them what i was told by XXXX XXXX, they still insist that they have limited information and they can't access my account because they are just the middlemen, i need to go to them. So since both parties are pointing fingers at each other and no one can't or don't have access to my account and no one wants to take responsibility for mistakes made, why am i still paying? So i requested a stop payment on my account and i decided to file a complaint until i these is resolved.
Product: Credit card or prepaid card

Filed a complaint ( see attached 1 ) with XXXX and Capital one came back and said that they have resolved the problem ( see attached 2 ). Tried logging in and still the same issue as before ( see attached 3,4,5 ). There was a phone number to call if I had any problems and I did and got a voice mail, no one ever called back either. I am sick and tired of this company holding my account hostage for no apparent reason. As previously stated, this is the only company that says my phone is not in my name, a XXXX or XXXX phone number, not billed to me, or is a XXXX phone, now the billing address could be different because I did move in 2018 and my old address might still be on Capital One as my old address because I have not been able to get online to change any of that. However, it is strange that I got a statement from them to my new address ( see attached 6 ), so how did they know it had changed if it is different than the address on my phone bill? I have also sent letters to the CEO and the general communication mail address ( see attached 7 )  Going to try this again and if it doesn't work, then I am going to file a complaint with the TN AG and also try and find me a lawyer that will take them to court for this.
Product: Checking or savings account

THIS IS AN ADDENDUM/CORRECTION TO MY COMPLAINT # XXXX WHICH INDICATED THE WRONG SAVING ACCOUNT #. THE CORRECTED ACCOUNT NUMBER IS REFERENCED IN STEP # 4. 
IN ADDITION, XXXX POLICE REPORT/COMPLAINT # : XXXX was filed XX/XX/21. 
Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably on XX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person ( XXXX ) in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years of banking with Citibank. They did not transfer money in increments, but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.
Product: Debt collection

I am writing to formally request that all communication from your office regarding the alleged debt referenced by your organization be ceased immediately. As per 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop further contact with me.

Please consider this letter as a cease and desist directive in compliance with the law. I request that your office immediately halt any and all communications with me, including but not limited to telephone calls, letters, or any other forms of contact, unless it is to inform me of specific actions taken with respect to my account, such as a lawsuit.
Product: Credit reporting or other personal consumer reports

I have sent a number of disputes pertaining to frauduleent and unauthorized accounts on my credit report. I sent the disputes letters out on XX/XX/XXXX and XX/XX/XXXX without any correction to the fraudulent/ inaccuracy accounts. This fraudulent accounts that I am referencing consist of the following XXXX XXXX XXXX XXXX The fraudulant inquiries the I am referencing consist of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

THE COMPANY IS REPORTING A BANCKRUPTCY THAT IS INACCURATE AND I HAVE WRITTEN TO THEM FOR SEVERAL MONTHS ABOUT THIS PROPBLEM. THEY CLAIMED THAT THE COURT HOUSE VERIFIED THESE INACCURATE REPORTING AND I REACHED OUT TO THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DID NOT GIVE OUT SUCH INFORMATION. I THEN SENT THEM THIS INFORMATION AND THEY STILL CONTINUED TO LEAVE IT ON MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

PDF file attached with 5 fraudulent accounts which needs to be deleted from my account.
Product: Mortgage

We purchased our home on XX/XX/2019, two weeks after purchasing our home and getting a loan through XXXX our home was transferred to LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX  XXXX, VA XXXX ). We have never received a statement or any documentation stating the account was going to this new company. We have never received a loan number, payment amount or any information stating what date our mortgage was even due. I contacted XXXX whom gave me the companies information. I then called LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX XXXX, VA XXXX ) and the rep. stated she would mail me a statement which never happened. I called again today XX/XX/2019 for them to tell me our loan is one month delinquent and the next payment is due tomorrow. I requested a supervisor and let her know that they never sent me anything and I can not make a payment until I have the paper documentation. She read me the address they have which is the correct street address but incorrect city and zip code. I t hen requested my past due payment be moved to the end of my home loan since this is NOT my mistake.. the woman said they will not do this. I requested her supervisor and have not heard back.
Product: Prepaid card

I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.
Product: Credit reporting or other personal consumer reports

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 myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is frauding me. They're not honoring their own services. I wasn't happy with their service so I asked for my money back XXXX I told them someone else is helping me. Not only did they not pay me my money back, but they send these emails like they're reaching out to me and that's not the case. Beginning of this month they kept charging my card until they were able to get something off if it. A sum of XXXX. I did not authorize this charge by far that they took upon themselves to charge me. It's not right and it's not fair. Due to mistakes on my credit report I been dealing with cfbp on my own over my credit report and removing items that I know not supposed to be there. I want my money back and for them to honor their policy of unsatisfied customer and refund my money on both accounts immediately.
Product: Credit card

I was a customer of Chase Bank for over 20 years with a great history of payments, etc. After I submitted a complaint due to their illegal fees to the CFPB they closed my account. They also charged an annual southwest membership fee and I no longer have access to it. I paid for the service and would like a refund.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. EQUIFAX and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my credit report
Product: Student loan

XXXX XXXX. On XX/XX/XXXX, I received a hardship forbearance with XXXX XXXX, good until XX/XX/XXXX. Last fall the company began sending me statements requiring payments. I emailed repeatedly - which they NEVER answer, wrote them many letters - which they NEVER acknowledge, and finally called them XX/XX/XXXX. The representative merely read off a pre-scripted page and refused to address my problem. XX/XX/XXXX I received a statement, showing XXXX balance due. Then I began receiving statements about every 4 days with different amounts owed, one of them over {$2000.00}. I just received another statement yesterday. 
I have no payments due - either principal or interest - until XX/XX/XXXX. 
XXXX refuses to address the issue, nor do they respond to any of my correspondence. I do not want XXXX to seize my XXXX tax return, which my family of XXXX depends upon. 
Can you help me? 
The mistake has been made by XXXX XXXX, and they refuse to correct their mistake.
Product: Mortgage

Paid off mortage electronically. Can see it on line. Company keeps making excuses why they can not send off a pay off letter. Paid off XX/XX/XXXX. Then they said we owe {$1.00} more. so it was sent in electronically on XXXX XXXX. Now they they recievec that money and tell us the money is in a suspense account. Not sure when they can send a letter off. Company name is PHH Mortage services XXXX XXXX XXXX XXXX XXXX NJ. XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that XXXXXXXX XXXX loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted XXXXXXXX XXXX their collection company and the major credit reporting agencies without any response or resolution.
Product: Credit card

Capital one reported me as 30 days late for a XXXX XXXX payment which is the only late payment that I have ever been reported on in the 4 years I have had the card and I disagree with this reported late payment. I have not been receiving my bills through the mail on a regular basis every now and then i do revieve a bill in the mail .do to me not recieving my bill regularly have been calling and making phone payments through capital ones phone services. The recording indicated that my payment for XXXX was due on XX/XX/XXXX so I waited till XX/XX/XXXX to make a {$500.00} dollar payment to XX/XX/XXXX payment and XX/XX/XXXX payment ahead of time and remainder towards principle. By making it on XX/XX/XXXX I thought it would cover my next month payment which I have done in the past and the system has accepted both payments crediting both months.By me not getting my bills in the mail on a regular basis I have only been able to determine my cycle through what their customer service line supplies me with which is due date of the XXXX each month. I called to resolve this issue with them and was told I signed up for paperless which is not true. I do not use the Internet especially for credit cards or for payments which my account should show that all payments have been made over the phone. When I asked them the history of the loggin they could n't give me a date other then the initial date which they said was XX/XX/XXXX which I 'm positive I did not sign up for paperless. I 've have spoke to several supervisors and it seems they are reading notes of the previous person I 've spoke to and no one 's making efforts to rectify there error which has miss led me and subsequently has caused damage to my credit score which renders refinancing my house ineffective before this happened my credit score would have been able to get my refinancing done which would save me and my family thousands of dollars a year.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XX/XX/XXXX of XX/XX/XXXX. Bankruptcy XXXX in XX/XX/XXXX of XX/XX/XXXX. Fast forward to XX/XX/XXXX checked my credit report XX/XX/XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to XXXX and transunion report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX and TransUnion credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.
Product: Debt collection

I purchased a dryer with a pedestal that included delivery charge and I purchased a 2 year warranty on XX/XX/XXXX, for a total amount of {$1100.00}. I placed this on a 12 month No Interest plan. I paid {$100.00} per month beginning XX/XX/XXXX with a couple of payments at {$80.00} and {$75.00} knowing I had to have this paid by XX/XX/XXXX. In XXXX of XXXX I contacted the company several times to get a correct pay off because the pay off on line was not correct and way more than the amount I had. Never received a response to get a correct pay off. This is when I went on line in emails for this information and also have this in writing. I am to this date, still trying to resolve this. I found out, with no one disclosing any information to me before I made this purchase that Conn 's added Unemployment Insurance and Property Insurance. I am retired and do not need Unemployment Insurance and I carry Property Insurance on everything in my house for 30 some odd years. No one cared to ask. I also found out an Administrative fee of {$100.00} was add to the purchase price along with the insurance premiums of $ XXXX and $ XXXX. After months of email exchanges I forced them to send me all documents to prove I still owe them {$670.00} around that amount they say, and I found out Conn 's was and did charge me INTEREST for the 12 months on a No Interest loan. I have sent two ( 2 ) letters to the CFO and the EVP of Finance neither have never responded. I could not get a correct answer on the pay off that was due XX/XX/XXXX I was told they would get back with me. So I made my last payment of {$150.00} on XX/XX/XXXX. I received a latter from Conn 's on XX/XX/XXXX stating Conn 's would Honor the No Interest Cash Option Plan, now they will not because they claim it wasn't paid in time. Due to their lack of communications this is my fault! No. Let me repeat I was being charged monthly interest on a no interest agreement for each payment I made. If they had not applied to interest this loan would be satisfied. Now, they are reporting to the Credit Bureau late payments. I can not seem to find ANYONE that id willing to help. I am an ex-XXXX XXXX in Banking so I know how leading works so before I contact an attorney I want consumers to beware of this type lending
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This company has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 an 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 then 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 that person knows or has reasonable cause to believe that the information is inaccurate The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 
If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and that violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXX, XXXX, XXXX, XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX Reporting a late payment as of XX/XX/XXXX and I do not have an open account with this company