23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company Reliant Capital Solutions has attempted to collect a debt located at XXXX XXXX XXXX XXXX XXXX, XXXX has performed shady practices to attempt to collect a debt without due process. They immediately informed my employer to deduct the amount of monies from my wages through a garnishment when I rejected their offer and do not have a contract with them. 

Now as of XXXX they have told my company XXXX located at XXXX XXXX XXXX XXXX located at XXXX Virginia XXXX to perform the wage garnishment to collect on someone else 's behalf that Reliant Capital Solutions has brought to collect and failed to produce the contract that states I agreed to it when I have not agreed to any of their contracts or for their services at all. They have asked my employer XXXX to perform the wage the garnishment which I informed in writing via certified mail to Cease and Desist their actions which they have not and its causing me a great deal of hardship.
Product: Student loan

MY NAME IS XXXX XXXX AND I HAVE A LOAN WITH SALLIE MAE, THE AMOUNT IS {$10000.00} AND THE INTEREST RATE IS AN UNBELIEVABLE 9 %. I NOTICED THERE ARE FEDERAL LOAN ALTERNATIVES LIKE THE XXXX FOR STUDENTS WITH AN INTEREST RATE OF 3.86 % FIXED AND THE XXXXFOR STUDENTS WITH AN INTEREST RATE OF 5 % FIXED. I WANT TO KNOW HOW I CAN GET MY INTEREST RATE REDUCED TO THE RATE OF XXXX OF THESE TYPES OF LOANS. I ONLY WORK PART TIME AND I CA N'T AFFORD THE PAYMENT THAT IS REQUIRED UNDER MY CURRENT LOAN. MY ACCOUNT NUMBER : XXXX. PLEASE CONTACT ME AT XXXXXXXXXXXX SO I CAN CHANGE TO A LOWER RATE AS SOON AS POBBIBLE. WHEN I TOOK THIS LOAN OUT I THOUGHT IT WAS A FEDERAL LOAN BECAUSE IT WAS FROM " SALLIEMAE '', BUT WHEN I RECEIVED THE LOAN PAPERS I WAS TOLD IT IS A NONFEDERAL LOAN. THAT IS VERY CONFUSING AND COULD BE DECEITFUL. I AM ATTACHING THE LOAN DOCUMENTS FOR YOU INFORMATION AND THERE ARE XXXX PAGES. THANK YOU XXXX XXXX XXXXXXXXXXXX
Product: Mortgage

XXXX XXXX loan # XXXX with AmeriHome Mortgage my payment is due on the XXXX of XXXX, like every other month ive payed my payment by phone, this last month I was admitted into a detox and recovery facility out of XXXX Ca for a stay of 30-45 days. 
during this time I have made several attempts to make my payment through my Bof A edd account and for some reason or another even though the money is in my account once the payment leaves the bank with XXXX  XXXX XXXX which it shows my mortgage company amerihome returns my payment for one reason or another and at this current time has started to send my late noticed with a late fee added to my account as delinquent. as in good faith I've notified the mortgage company by letter head asking them and notifying them of my current situation if there is anything possible that can be done to reassure me of my hardship. 
i have every intention of paying my payment and carrying on my responsibility as a borrower and have every intention and well to do whatever it takes to get this right before it affects my credit as a borrower. 

thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX
Product: Consumer Loan

I am on Social Security and have requested Brand Source ( Citi ) to make my due date the XXXX of the month instead of the XXXX to accommodate my ability to pay when receiving my benefits. They have refused on XXXX different occasions. They are doing this to make me pay the late charge of {$23.00} every month.
Product: Checking or savings account

Im trying to link my PNC BAnk account to my new XXXX XXXX  online account and they refuse to let me to do so!
Product: Credit reporting

Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records. 
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance. 
Thank You
Product: Student loan

I have tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I redhead out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Product: Credit reporting or other personal consumer reports

My account with 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 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  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 or other personal consumer reports

Information provided is showing you the current accounts that needs to be removed. Those accounts needs to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that my credit report was pulled by XXXX XXXX for an auto loan. Just one day before i did receid a call regarding the auto loan interest even when i am not even looking for a loan or new vehicle. 

After the credit pull, I suspected fraud then reached out to the dealer/agent on XXXX who pulled my report who claimed that they received my data from he claimed that he received the data from XXXX auto loans XXXX XXXX XXXX XXXX ) and suggested to talk to the owner of that company XXXX - at XXXX. 

As suggested, I spoke to XXXX on XX/XX/XXXX, and explained to him that I had not used their service in the past 60 days. there could have been chances that I used in the past but not in the last 60 days, how did you pull my report or share my information with dealers? he promised to look at the issues. Since then, he is not reponding my calls.
Product: Debt collection

On XX/XX/2021, I noticed a debt on my credit report being reported by Radius Global for a debt of {$100.00} in collections In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Radius Global Solutions. I did not authorize the sell of this account to Radius Global Solutions, I have not done any business at the address listed with this account nor do I owe Radius Global Solutions. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/2021, no response has been received from Radius Global Solutions.
Product: Debt collection

Resurgent aka XXXX XXXX with XXXX XXXX XXXX or letter ref ID : XXXX Claims I owe XXXX but didnt want to identify how it got this number. According to my credit report, I owe XXXX. I asked for accuracy, but seems like Resurgent is being quite about that.
Product: Mortgage

AmeriHome Mortgage has collect funds from me to cover my homeowners insurance and my property taxes. AmeriHome did not pay my home owners insurance and I recived a cancellation notice from my insurance company. I had to call and demand payment of my insurance then they paid the insurance. Now I have a Tax Certificate issued against my property as they collected money from me to pay my taxes and as of today XX/XX/2023 they have not paid.
Product: Credit reporting or other personal consumer reports

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke to the representative XXXX and requested a draft to give to XXXX of XXXX XXXX for the vehicle listed on the Buyers Order. The representative used my account information and SSN to obtain a credit report from the credit reporting agency called XXXX XXXX XXXX. On XX/XX/XXXX I was advised by XXXX that I didnt get approved because my credit score was too low. I was not asked for a copy of my driver license and didnt sign anything because XXXX was entering information in the computer. 
Then on XX/XX/XXXX, XXXX called my cellphone and asked me to call her. When I called XXXX back, she said she may have a way to get me what I requested. She stated she needed me to send a copy of my driver license and to sign my name three times and faxed to her. Instead of faxing my driver license and signature, I drove to Vystar and gave the information in person. XXXX made a copy of my driver license and the three signatures. She said she was speaking to someone and then told me that I was denied because of the low credit score. 
While I in the office with XXXX, I received a notification on my cellphone alerting me that my SSN was used for hard pull on my credit report. I asked XXXX if she ran my SSN again. She told me she didnt see a 2nd hard pull inquiry from XXXX XXXX XXXX stated that they tried to get me financed with XXXX XXXX who is in-house lender they use to try to get an approval when people have a low score. XXXX did not ask for my permission to use XXXX XXXX 
XXXX did not get my permission to run my SSN a second time. Her actions are identity theft because she did not have my permission to use XXXX XXXX  without my authorization XX/XX/XXXX. I did not input my own information and didnt sign an authorization or release of my SSN to be freely run as the representative did. 
I was not advised by XXXX that she was inputting my SSN with XXXX XXXX. I didnt authorize XXXX XXXX my SSN with a third party. XXXX checked the computer and advised that XXXX XXXXXXXX didnt approve my request because of the low credit score. I was denied twice because of a credit store. 
I received a notice dated XX/XX/XXXX which stated, We obtained your credit score from the above referenced consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. 
On, XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they provide insurance to the financial institution to support its lending operations. They were provided information from the consumer reporting agency. 
The letter from XXXX XXXX XXXX confirms this third party was provided my SSN to run a credit report that I did not authorize. I am also aware that I did not request insurance from this third party.
Product: Mortgage

Due to a paperwork mixup,  Roundpoint  Mortgage thought they owned the servicing rights to my mortgage, but they did not,  XXXX  did. I am attaching the welcome letter from  XXXX , clearly demonstrating that  XXXX  acquired servicing rights effective   XXXX   XXXX  2017   . For  XXXX  months,  Roundpoint  harassed me asking for payments. Finally, after I filed CFPB Complaint #  XXXX , Roundpoint sent me a letter acknowledging that  XXXX  owned servicing rights and that I would be goodbye 'd by Roundpoint, which I have attached.     However, today,   XXXX   XXXX  2017   , I received a phone call from  Roundpoint  asking for my " past due '' payment for  XXXX . This is a payment that I never owed to  Roundpoint  because they no longer had my servicing rights at that time.     I need the phone calls from  Roundpoint  to actually stop.
Product: Debt collection

Shortly after XX/XX/2019 I received a collections letter from Alliance One Receivables Management , Inc. of XXXX, PA. They are attempting to collect {$680.00} without verifying the account, without my rights to dispute or validate the collection or by providing a permit number that says they are legally allowed to collect in the state of NC where I reside. 

I have looked this company up on the XXXX XXXX XXXX XXXX XXXX of NC and did not see a permit number or any information that says they are allowed to collect this debt from me. 


Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Experian are fraudulent on my accounts CAPITAL XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Product: Debt collection

I am a victim of identity theft and noticed a collection from Express collections. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Express collections in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card or prepaid card

XX/XX/2018 To CPBP, SUBJECT : Bank of America 's deliberate attempt to delay process of Automatic Full Payment inspite of reaching out several times.

Hello CPBP, I have been approved for XXXX XXXX XXXX XXXX from Bank of America. I have contacted them several times to make sure that the card is paid in full ( automatic full paym

ent ). However, Bank of America has enforced a policy that unless and until " XXXX  '' is not generated, customers can not set up their account to be paid in full. The " XXXX XXXX' generation process has taken several months and upon several requests Bank of America was not willing to set up auto payment over the phone.
They have done so for charging interest My balance was just in range of {$20.00} and they have marked my account with credit reporting agencies as delinquent and in debt collection of for debt of {$1.00} ( for 4 months, total of {$6.00} ).

This has led to cascading effect of high inconvenient and many of my applications being deined resulting in hundreds of dollars of loss..

I have made full payment to Bank of America ( including the interest charge of {$6.00}, today XX/XX/XXXX). They have still NOT obliged my request for auto payment of my card, in case i use the card.

I sincerely, reqest CFPB to investigate this loophole which " Bank of America '' has created to not approve the " XXXX '' process and hence NOT honor any request for auto- payment in full.

thanks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX
Product: Credit card or prepaid card

Comenity Bank, Ultimate rewards mastercard. My account was frozen due to to unknown reason. I tried to call their customer service multiple times and only took me to the fraud department which was and is closed, unable to reach anyone. My auto pay got disrupted, after the card was frozen so I made a late payment and reached someone by pressing zeros and not entering my account number. They transferred me to the fraud dept which is still closed. Now I have a frozen account, a late payment, unsure if they will waive the fee and do not want that on my credit report. I can't reach anyone on the phone or via their online messages, only a closed fraud department. I am trying to buy a house and do not want this late payment on my account due to their XXXX. I also can not use my card and haven't been able to have it resolved for weeks.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, filed a dispute on account numbers : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX due to the accounts being inaccurate. Equifax denied to follow up with the investigation and provide information on how this information was verified as accurate. I, XXXX XXXX XXXX XXXX, am submitting a complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX ' credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE. Reporting without valid proper disclosure requirements is a direct violation of my consumer rights. I, XXXX XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify these alleged accounts, only to receive a letter stating that they were verified. 
I, XXXX XXXX XXXX XXXX, am requesting these derogatory items be removed immediately as it is running the risks of affecting my mental, physicaland financial health. 
This company has violated my rights as a consumer and federal laws.