23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several bankruptcy on my credit however This is impossible I filed a XXXX  XXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every XXXX years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX  XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act has violated my rights. 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Radius Global Solutions, LLC for their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

On XX/XX/year>, I received a debt collection notice from Radius Global Solutions, LLC regarding a debt they claim I owe. The reference number for this notice is XXXX, and the amount they are attempting to collect is {$3400.00}. However, they have failed to provide any proof of this debt, including a detailed payment history, my signature on a contract, any insurance claim filed on this debt, and the original payment terms. 

According to 15 U.S.C. 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Radius Global Solutions, LLC has failed to provide any of the above information, despite my repeated requests. Additionally, they have made a " resolution offer '' of {$3400.00} without providing any proof of the debt.

I demand that Radius Global Solutions, LLC cease and desist all collection activities against me until they provide the required information and proof of the debt. Failure to comply with the FDCPA may result in legal action.

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a call from a XXXX XXXX claim to work as an investigator of money transfer to the XXXX XXXX. Saying that my western union account is under investigation. XXXX XXXX XXXX threatened me and has my private information telling me that he would come for me. Telling him I dont conduct business on the phone send anything in writing. There has been an information breech with my name. Someone has hacked my western union account and is making harassing and threatening calls to my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : XXXX Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} I kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]
Product: Credit card or prepaid card

Bank of the West promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called to their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to upper level but till today XX/XX/2023, I didnt receive this money.
Product: Debt collection

My exwife received a call from XXXX XXXX from a woman named XXXX, she left a voicemail on her phone which clearly states her new married name, alos have to mention the cell phone they called is only 2 years old and was obtained by her after I opened this account has no connection to my account. She proceeded to say they were a debt collector and that I had until XXXX this evening to call her back or other action would be taken and that I would give up all my rights to dispute a voicemail that was saved. When I called I spoke with a Mr XXXX, supervisor and I advised him I had no idea what it was about as i never received a call or a letter from them notifying me of any debt. I explained that currently i am out of work and have mortgage, car payment etc. He responded by saying they should be a priority and offered to take payment now. I explained didnt have time to speak about this, to which he responded, WHY YOUR NOT WORKING YOU HAVE PLENTY OF TIME. I then tried informing him of the FDCPA and he said I was wasting his time and the only thing he would talk about would be a payment.
Product: Credit reporting or other personal consumer reports

Notice Of Dispute : This is in reference to Bankruptcy # XXXX ( LexisNexis Risk Solutions ) LexisNexis has reported a bankruptcy on my LexisNexis consumer report and has refused to delete this entry on multiple occasions. I reached out to the bankruptcy court and they have told me in letterhead that they do not report any information to consumer reporting agencies ( Attached is the letter from the Bankruptcy Court ). LexisNexis claims that they verified this information as accurate through PACER, which is an online system, NOT a Data Furnisher. This is a violation of my consumer right to privacy and I never gave you any permission to furnish this information. I am demanding you delete Bankruptcy # XXXX From my LexisNexis report immediately or I will pursue legal action for willful noncompliance of the FCRA.
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like XXXX XXXX are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Equifax report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness.
Product: Mortgage

I contacted multiple different mortgage companies to shop around for a mortgage on our new home. I already had chase accounts so I checked with them as well, I was told that I would receive XXXX bonus points on my Chase Freedom card, XXXX points on my Chase Sapphire Preferred card and {$500.00} cash back in my checking account as a signing bonus once the mortgage closed. I was offered over {$2000.00} cash back with another local company but because I already had Chase accounts and they offered something comparable I decided to start a mortgage with them based on their offers to me. The mortgage has closed and I have now not received the full offers that were made. I received the XXXX points on my Chase Freedom card and the {$500.00} cash back in my checking but not the XXXX points on my Chase Sapphire Preferred card. I have contacted chase multiple times regarding this, have emails stating I would receive the points and have yet to receive them. I just spoke with chase resolutions and the gentlemen advised there was nothing he could do because they can only offer XXXX points to only 1 account. This is not what I was told and if I would have known this or had been told this I would NOT have gone with Chase for my mortgage. These points are equal to {$500.00} in cash back or {$500.00} X 1.5 for travel and I would not have gone with chase if I was not offered these perks. They falsely advertised and are not willing to follow through with their offers.
Product: Debt collection

The account was charged off. 1099C was not issued in addition to this account being negatively reported and the account was transferred to a collection agency I have no business with.
Product: Debt collection

There is a collection account on my XXXX XXXX credit report that is not mine and is the result of identity theft I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing issue with fraudulent items persisting on my account. Despite my repeated attempts to resolve this matter, I find it incredulous that I am now compelled to address this for the XXXX  time. 

The repeated failure to address this issue is utterly unacceptable and reflects poorly on your company 's commitment to customer satisfaction. I have provided ample evidence and cooperation, yet the fraudulent items continue to XXXX my account, causing me undue stress, inconvenience, and financial harm. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this egregious oversight be waived without delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Dear CFPB, ATTN : Wells Fargo Re-Ordering Transactions to Increase Over-The-Limit FeesI 'm still trying to get the fees reversed but regardless of outcome, I believe Wells Fargo should be investigated for " still '' illegally re-ordering transaction in order to manipulate limits to increase their over-the-limit fees and profits, despite loosing lawsuits pertaining to just this in the past -- in the order of magnitude, exceeding {$200.00} XXXX -- and furthermore despite agreeing in court to stop this exact practice. I had XXXX debit transactions go through the same day, XXXX of which " gas '' usually goes through first.. in almost every prior case, usually XXXX to XXXX days prior to the latter which for reference is my " car insurance ''. This day my account proved to be low in funds, being a few days behind in collecting my paycheck, and the largest transaction went through first and therefor my account was charged again in excess overdraft fees. It 's only {$100.00} in fees to be fair but it is so clearly a breach of the " Credit Card Act of 2009 '' and so I felt an obligation to call attention to it. 

Where the breach legally occurred : Credit Card Act of 2009, section 7. As follows : " ( 7 ) RESTRICTION ON FEES CHARGED FOR AN OVER-THE-LIMIT TRANSACTION. -- With respect to a credit card account under an open end consumer credit plan, an over-the-limit fee may be imposed only once during a billing cycle if the credit limit on the account is exceeded ... '' This was done twice. 

And Section 1 as follows : " no such fee shall be charged, unless the consumer has expressly elected to permit the creditor, with respect to such account, to complete transactions involving the extension of credit under such account in excess of the amount of credit authorized. '' I did not, and I opted out of their overdraft already. 

Furthermore, section 2 as follows : ' ( 2 ) DISCLOSURE BY CREDITOR. -- No election by a consumer under paragraph ( 1 ) shall take effect unless the consumer, before making such election, received a notice from the creditor of any over-the-limit fee in the form and manner ... '' Pertaining to re-ordering transactions, regulations section XXXX as follows : ' ( B ) [ Law shall ] prevent unfair or deceptive acts or practices in connection with the manipulation of credit limits designed to increase over-the-limit fees or other penalty fees. " Researching, I found also that a high ranking official of WF as another keynote, stated : " If multiple transactions come in at the same time, then Wells Fargo will process the lowest dollar amount first, said company spokeswoman XXXX XXXX. " Simply put and pretty obviously, they are following the money, not the law. 

Thank you,
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 XXXX XXXX XXXX. 

XXXX OF XXXX account # : XXXX XXXX Amount {$5.00} XXXX OF XXXX account # : XXXX XXXX Amount {$1100.00} XXXX  OF XXXX account XXXX : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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: Debt collection

On XX/XX/XXXX I visited XXXX XXXX Hospital XXXX. I have received XXXX bill for this service within the last XXXX weeks for {$2900.00}. Today ( XX/XX/XXXX ) I received a phone call from a debt collection agency, and several previous attempts were made to contact me this past week. XXXX XXXX at AR Recourses XXXX Inc., informed me that I additionally owe the doctors that treated me on XX/XX/XXXX an amount of approximately {$1200.00}. I told him that I have n't received a bill for this amount, and he informed me that XXXX was sent out on XX/XX/XXXX. He informed me that I had XXXX days to pay or he would report it to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. It has been over 30 days and I have not received a proper response within the 30 day timeframe that they are supposed to dispute these results or verify. The dates are inaccurate across all 3 bureaus and is not reporting on XXXX. Your company is in violation and must comply to remove these immediately.
Product: Payday loan, title loan, or personal loan

I am XXXX, over XXXX years old, and I live of $ XXXX/month in XXXX income. On XX/XX/2019 I acquired a {$300.00} payday loan. At the time of signing the loan, Because of unexpected medical expenses due to my XXXX I was unable to make the payments. I contacted Spotloan Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls and charged enormous fees which added up to {$720.00}, as of today. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX in their area, also without success. I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

On XX/XX/XXXX a claim was filed on my property for unpaid taxes. As I have never paid a bill late in my life I immediately called the county taxing authority ( XXXX county, PA ) and they advised me that they had received the claim from my local XXXX  ( XXXX XXXX ). I contacted my XXXX and found that they were stating that Wells Fargo had not paid my local taxes in XXXX which I immediately pulled the information online and found it showed {$1200.00} was showing as paid which is an issue as my taxes were {$680.00}. Upon further investigation it has been found that Wells Fargo paid another customer 's taxes with my escrow account, which caused a shortage in my account that adjusted my payment which I have been overpaying my escrow. I was advised 3 weeks ago by XXXX XXXX at wells fargo that this would be resolved the week of XX/XX/XXXX. I had to beg to get my taxes paid and make 11 phone calls to just get my taxes paid. I was informed that I would not need to follow up as this was their error in their tax department and the 8 hours I have spent to beg to get it resolved should not have been necessary. I find that XXXX XXXX is on vacation, the only item taken care of has been my taxes. My payment is still accounting for someone else 's taxes and I have overpaid into my escrow because of wells fargos error and they are still holding onto the overage and have not resolved the issue even after involving the executive team and management. XXXX XXXX has now taken over and offered minimal resolution but a sit and wait mentality- XXXX. His employee XXXX XXXX - XXXX ext XXXX went on vacation when he had promised to call me back to confirm everything was resolved. He clearly knew he was lying and providing a misleading statement when he was not scheduled to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}
Product: Prepaid card

i bought this americanexpress gift card and ive spent 2 days trying to make a purchase and it will not work on any online store. they also charged XXXX dollers just to get the purchase the card. When I go on to the Amex website to check my balance im getting charged XXXX cents everytime is declines and i think i will spend more on declined fees then i actually spent on a purchase. Ive never been so frustrated trying to purchase anything using a gift card. I will never use another American Express gift card they are utter garbage and a total waste of my time, energy, temperament, patience, and money.