23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In late XX/XX/XXXX, I called XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX ) to cancel my membership. I spoke to a male employee, who informed me that I can only cancel my membership if I speak with the manager. I called back within the next few days and spoke to a female manager, and requested to cancel my membership. She verbally informed me that my cancellation had been verified. The next few months I noticed that I still got charged for my membership so I called back on XX/XX/XXXX and spoke to XXXX XXXX, who is the general manager of this location. He acknowledged my problem and informed me that I need to email him to cancel, which I did immediately after. So, although 2 employees informed me that my initial phone call cancellation was standard procedure, my membership was not cancelled until XX/XX/XXXX several months after I was told my membership had been canceled. Now, XXXX is sending Radius Global Solutions LLC to collect a debt of {$60.00}. I called Radius Global Solutions ( XX/XX/XXXX), whose representative informed me that only XXXX  can waive this erroneous debt. So then I called XXXX when I received this mail XX/XX/XXXX, and asked XXXX XXXX why this was happening and how it could be resolved. He rudely informed me ( yelling, interrupting, etc. ) that there was absolutely nothing to be done, because the only written proof of my cancellation is dated XX/XX/XXXX, and it is the corporate policy that cancellations may only be done by email. He refused to acknowledge that the employees whom he manages and supervises and is therefore responsible for, did not know of and did not uphold/follow their own company policies. He repeatedly claimed that there was absolutely nothing he could do, and that he had no authority to waive a debt. Then, I called XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), who told me that the general manager of each club has sole authority/ability to waive a debt if they chose to do so. I called back to XXXX XXXX XXXX  to speak to XXXX XXXX. He again repeatedly claimed that there was nothing he had any power to do, which is contrary to corporate policy. He redirected me to XXXX XXXX, who is his supervisor at XXXX - XXXX XXXX XXXX. I called and XXXX was not there. This company has falsely charged me because their employees do not know their own policies. I have taken every appropriate measure to my own knowledge to cancel my membership, and was told by XXXX employees over the phone that my membership had been cancelled. As such, this debt is invalid. Now trying to resolve this invalid debt, this company has wasted my time by being rude, unprofessional, ignorant to their own policies. Ultimately, this company has failed to resolve their own error.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my ChexSystems report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : * XXXX, XXXX  Account # XXXX * XXXX XXXX Account # XXXX * XXXX XXXX XXXX XXXX Account # XXXX. 
I demand an immediate investigation and the removal of these accounts from my record under my rights granted by XXXX XXXX Code XXXX ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : * XXXX XXXX Code XXXX ( b ) Failure to maintain accurate reporting procedures * XXXX XXXX Code XXXX Reporting false information with knowledge of errors * XXXX XXXX Code XXXX Blocking information resulting from identity theft. 
Enclosed are supporting documents, including : * A copy of my government-issued ID * My ChexSystems report * A signed fraud affidavit. 
I am also attaching the FTC identity theft report related to this dispute. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), you are required to investigate and correct errors within XXXX  days. Please confirm receipt and provide written confirmation upon resolution. 
Failure to comply may result in legal action. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that do not belong to me, and a few addresses.
Product: Credit reporting or other personal consumer reports

hello dear credit bureus, i have check my report and i have XXXX late payments on this account : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Open Open Open Monthly Payment : {$1500.00} {$1500.00} {$1500.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55000.00} {$55000.00} {$55000.00} No. of Months ( terms ) : Monthly XXXX XXXX Monthly ( due every month ) High Credit : {$89000.00} {$89000.00} {$89000.00} Credit Limit : {$0.00} - - Past Due : {$0.00} - - Payment Status : Paid or paying as agreed Current, was past due XXXX XXXX Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it should be late it should be current. thanks
Product: Credit card

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Equifax refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, XXXX theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and equifax and XXXX XXXX removed these adverse items
Product: Debt collection

On XX/XX/2018 i received a letter from a collection agency - Financial Corporation of America trying to collect a debt in the amount of {$190.00} for XXXX XXXX XXXX XXXX. I sent a check to XXXX XXXX a check on XXXX-XXXX-18 and the check was deposited in their account on XX/XX/18. Per conversation with a representative at Financial Corporation of America, the collection request sent to them on XX/XX/2018. 
I need to have this investigated
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. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. DISCOVERBANK XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, DISCOVERBANK XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX, representative of XXXX XXXX came to my home and offered me a Solar System. After measured of the house he found that my house requires 37 panels to produce the necessary electricity. He requested my credit report and he said that I did not qualify for the Loan, I said I know that. Then he came with the idea, that he would qualify me for 31 panels and later when they come to install the panels he would include the remaining panels or 37 panels instead of 31 panels as he put in the contract. He said that I would pay {$180.00} for 18 months and then {$210.00} for the rest of the contract. I told him that it was reasonable, because I was paying much more to the local Electric Company. However, I did not sign the contract. He continued visiting my home and offering multiple PERKS, Gifts, other advices, for example : That the The Federal Government will return {$17000.00} with the Income Tax Return. He added that I have several options with that money, 1 ) give the check to XXXX and reduce the Loan taken or keep the money and spend it in whatever reason I would want. I asked him what would happen if something went wrong. He said that XXXX would be responsible for any damage to my house. Also, he offered me a Generator, an Air Conditioner and even cutting trees that he said was required. 
On the fifth visit I signed the Contract. Something it called my attention was that immediately after I signed the contract, XXXX sent a group to change the house Thermostat and the home Light Balls. XXXX did not tell me anything about that. That group damaged the garage Ceiling. We agreed as XXXX would not install the Solar Panels until I could replace the roof. Seven months later a XXXX representative called me and told me that if I do not ORDER the installation of the Solar System the Contract would canceled, my answer was that it was ok for me because I could not find the money to pay for the roofing. The answer was that I would have to pay {$9000.00} of XXXX the XXXX 's Attorneys. They FORCED me to authorize XXXX to install the Solar System. The problem is that they only installed 31 panels, no 37 as XXXX told me and the installers cause some damages to the roof because the roof is leaking now and it was not leaking before they installed the solar panels. The real problem is that XXXX is denying any RESPONSIBILITY. XXXX promised me that XXXX would be responsible for any damage ( s ). The house was not leaking. The garage did not have any holes. Not Perks, not trees cutting, not generator, not money from the IRS, not XXXX XXXX and XXXX deny any responsibilities. The real problems are that now I have a {$52000.00} dollars loan, 2 electric bills to pay : one for {$250.00} dollars ( The Loan ) and another to the local energy company XXXX XXXX XXXX ) for {$220.00} dollars every month. I am paying approximately {$500.00} in Electricity now and I have a Solar System that does not support the energy consumption of the house. XXXX IS NO LONGER XXXX. NOW IS FREEDOM FOREVER.
Product: Credit reporting or other personal consumer reports

I never gave you permission to report a public record on my account and all documents requested was given on first complaint such as DL, ID, SSN you also refused my documents I sent to your company for dispute The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit card

When I opened my First Progress account in XXXX of XXXX, I opened it to bump my score up a few points due to I was only XXXX points away from my goal for homeownership. First Progress deducted XXXX points from my score causing me financial hardships. Due to their no way to pay the annual fee before they report your balance to the credit bureaus that they deduct from your available balance. This is a common practice amongst all consumers they service. Holding the consumer XXXX to the card which if you attempt to cancel they will not return your deposit. In XXXX after i paid my balance to zero, awaiting a positive reporting and increase in my score, they charged their annual fee the day before they reported to the bureaus and minused me XXXX points. Then in XXXX of XXXX they allowed XXXX over my XXXX limit to be charged instead of declined once the limit was reached. They won't increase your credit limit without an additional deposit. They allowed my card to continue to make purchases deceiving me into believing I was within my XXXX limit. So I had to pay XXXX in order to not have my score drop another XXXX points for being over my credit utilization by XXXX more than 100 %. So they robbed me of money reserved for rent. The have not XXXX ethical practice and if you look into the thousands of complaints against them thru the XXXX XXXX XXXX and others there's grounds for a class action I'd like to initiate. Their customer service is abrasive with consumers, uncooperative, and blatant in their responses that they answer to no one! Their company advertises to help build credit yet they destroy everyones credit and creates an impossible sense of hopelessness to get from under their card. We the people request your help for we are at the relentless mercy of this unethical company. That steals the consumers money and damages our scores that will take years to undo. I make on time payments and still have yet to recover the XXXX points taken from me my them. No one would willing accept the terms of this card knowingly to lose XXXX points from their score. They prey on consumers through XXXX XXXX specifically as well as other sources. They pick and choose when to decline purchases or allow purchases way over a consumers limit without increasing their credit limit in order to steal money and damage scores without consequences. Please help, they should not be allowed to conduct business in the United States and shut down permanently. Thank you
Product: Mortgage

At last Wells Fargo is willing to help me with modification but back XX/XX/XXXX my father in law co-signed for us because my husband lost his job. He moved in with us for awhile to help buy food. I went a filed a quit claim deed at city hall to take him off the financial part of the modification because he does not live with us anymore but is still on the mortgage. I just talked to the underwriter and they said they could not use the quit claim deed because they can not find the original application from XX/XX/XXXX for my father in law. They do n't want to lower my mortgage that is why they do n't want to use the quit claim deed my father in law in XX/XX/XXXX but they want to use his pension and social security. I never heard a mortgage company losing an application.
Product: Debt collection

I received a letter in the mail on XX/XX/2022 from a company called Cawley & Bergmann , LLC a debt collector stating they are attempting to collect a debt that I owe to XXXX XXXX, XXXX the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too XXXX XXXX infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted by phone and mail Transunion in reference to bankruptcies reported on my file. I was told by phone and mail, that they verified through the county clerk and gave me a number to call them. Said it was the number that they called. After calling I was notified that they never talked to transunion. they also sent me a letter. they just lied about how they investigated. I am looking for them to remove this info from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DPT EDXXXX XXXX Balance : {$0.00} - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}