23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please send me documents of signed lease because I never rented from XXXX XXXX or anyone at all. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify the account. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days then you must remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I disputed a collection account on my credit report. I have never been contacted by XXXX XXXX and they have never verified the debt because the debt does not exist and is false and not valid. It is not on any other report. On XX/XX/19 Transunion stated that the debt was valid and did not delete. That is not correct because again this is not a valid debt and XXXX XXXX has been on my Transunion since XXXX and has not once validated this debt. This is illegal reporting and needs to be removed immediately. Transunion has my personal info on dark web and I get 50 spam scam calls a week. Their clarity also reports inaccurately as well. This illegal collection needs to be removed within 30 days. XXXX XXXX should also be on the hook for illegal reporting and I have no collections and XXXX or XXXX either. Also my credit balances decreased as paid off and all my other credit went up but Transunion went down because paid off. They are reporting incorrectly and this needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following identity theft report no. XXXX identifies the incorrect accounts. I did not consent to, authorize nor benefit from any of the following accounts. I am demanding that the following accounts be removed. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and believe this information is inaccurate, incomplete, or unverifiable. Pursuant to 15 U.S. Code 1681i, I request the immediate deletion of this item from my credit report, as it does not accurately reflect my credit history or the facts of the matter. I have also been included in several data breaches.

The credit bureau fails multiple times to acknowledge this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of purchasing a new home, my loan officer notified me that Radius Global Solutions reported a delinquent XXXX XXXX XXXX XXXX in the amount of {$2000.00} to my credit report. I called them XX/XX/2022 to dispute the debt. I let them know that I currently have XXXX XXXX XXXX XXXX, so there would be no way for me to have a delinquent bill. I was transferred at least three times and was hung up on by a manager. He told me that there was nothing they could do for me because I didn't have the account number associated with the account, although I provided all information as reported to the credit agencies and listed on my credit report. 

On the same day, I mailed and emailed a letter requesting they verify the debt and provide proof they are authorized to collect the debt. On Monday, XX/XX/2022, I received a letter addressed to the debtor, but in my care and sent to my work address. I never provided my work address. I never provided my maiden name but that was also included in the letter from Radius. Also, the account number listed on my credit report is does not match the account number on the copy of the bill provided. 

The letter provided XXXX for me to call if I have questions or comments. After calling, however, I was directed to leave a message. I left a voice message detailing what I am reporting to your agency. They provided message confirmation # XXXX. The recording provided the website whistleblowerservices.com if I wanted to make changes to my message. 

I left the following typed message : I initially requested Radius Global Solutions, LLC verify the debt and proof that they are authorized to collect this debt. They have yet to send the requested information, but sent a copy of the debtor 's bill ( which disclosed his mailing address ). Additionally, my letter never identified me as the person responsible for handling the debtor 's bill ( letter was sent in debtor 's name and in c/o ( my first, maiden and last name ) ; the account number listed on my credit report is XXXX, while the account number in the mailed correspondence is XXXX.
Product: Credit card or prepaid card

I did not recieve my card that was ordered by unemployment. I made my claims online. I tried to resolve the issue with contacting edd but was directed to Bank of America as they are the bank that handles the funds. I contacted Bank of America about the location of my card and/or getting one resent. I was informed that my card had been activated/used by someone but it was definitely not me. I was also informed the card balance was spent. I was then directed to dispute the charges which I had no problem with because I did not make the charges. I was reassured I would get my money back. I acknowledge that I would assist and open to investigation if needed. I called to check the status of my claim as this whats money I was depending on only to be told my claim was denied. I asked for a explanation I did not recieve one. The representative I spoke to inform me that she would resubmit them for reconsideration. I was told that any complaints made in regards to this issue or police report would help. Due to my work schedule working XXXX I cant leave work to go to the police station to file such report. Im willing to comply with anything needed to get my money back that I did not spend. I need any help that can be done to aid in me getting my funds recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ;
Product: Mortgage

I received a insurance check in the amount of {$11000.00} for a new roof and for some really stupid reason mortgage companies have to endorse the check. Since there are no local branches for CitiMortgage, I had to mail the check to OH. On Monday morning X/XX/2017 I spent {$28.00} at XXXX to overnight the check with a letter and a {$10.00} check to overnight it back to me. CitiMortgage received it on X/XX/2017. I called on X/XX/2017 to get the tracking number and the representative XXXX, told me it would take two days and would not be sent out until Friday XXXX XXXX, 2017. Meanwhile, every time it rains, my roof leaks in several spots from storm damage. First, it is taking more than two days. Plus, if they are n't sending until Friday, that means I wo n't get it until Monday. Because CitiMortgage is making me jump through all these hoops, is really terrible for the homeowners, I am unable to give the roofers a down payment until I receive the check and cash it. First, CitiMortage should n't even be on the check. I am the one who pays for insurance. I pay my insurance directly and I do not have it calculated into the mortgage payments ( I do n't trust banks ). Second, if I am overnighting the check, therefore they should send it back either the same day or no later than the following date. Especially if the customer is having to pay for overnight services! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
Product: Debt collection

LETTER WRITTEN TO AARGON AGENCY INC., I was previously placed in your office by XXXX XXXX. I had set up a payment plan XX/XX/XXXX, for bi-weekly payments. I called on XXXX/XXXX/XXXX at XXXX XXXX PST to have the payment for this date not withdrawn. The representative assured me that this would not be withdrawn. On XXXX/XXXX/XXXX, the payment was withdrawn. I then called again and spoke with XXXX, to have this refunded as well as all my payments. I never received a call so I assumed my refund was in place. I advised XXXX that this was an FDCPA violation if fraud on my account. Firstly, the representative lied to me ; secondly your company fraudulently withdrew the money still. Lastly, on XXXX/XXXX/XXXX I decided to see if the refund had been initiated. When I check my account an additional payment was withdrawn of {$50.00}. I spoke to XXXX again, and have been awaiting her phone call. These practices are unprofessional and I will be taking further action legally. One three different occasions FDCPA violations have taken place. I look forward to having your council contact me directly.
Product: Checking or savings account

5/3 bank issued a garnishment on all of my savings and checking account assets due to fraudulent activity. Due to a levy by the State of Michigan, 5/3 bank unlawfully froze my accounts in an attempt to pay the funds to the State of Michigan although I was not involved in this garnishment furnished by a fraudulent company. 5/3 utilized my social security number provide by the perpetrator and currently has my assets frozen. A similar issue just happened with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Looking to file a legal complaint.
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 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Student loan

My father ( recently deceased ) had co-signed for private law loans and had been repaying them. Navient apparently bought the loans from XXXX XXXX. I contacted Navient and let them know I could not make the payment my dad was making but that I wanted to pay and not go in default. I said I could provide them with paperwork showing my recent bankruptcy, my snap aid for food, my pay stubs, evidence of my single parenthood, evidence of my federal aid being in economic hardship forbarence and anything else they might need to determine my eligibility for lower payments. They were of no help. They would not offer even gradually increasing payments over time. It seems like they just want me to default!
Product: Credit card or prepaid card

In early XXXX Capital One sent me an advertisement for a credit card with the offer of no interest on balance transfers and on purchases for 12 months. I took out the card in XX/XX/XXXX and transferred a {$2000.00} balance to it. The credit limit on the card at that time was {$2000.00} therefore I made very little or no purchases and paid the minimum balance each month. 

On my XXXX and XX/XX/XXXX statements there was " Interest Charge on Purchases '' for {$36.00} and {$30.00} respectively. I called the company several times and pointed out that 12 months had not past and they kept insisting that the period was nine months. I requested a copy of the original card holder agreement on three separate occasions and they kept sending me the CURRENT agreement. I know it was the current one because my credit limit had increased and the agreements they sent all included the new credit limit. I have called several times, with no success, to get this issue resolved. 

I have paid off all my balance except the total interest charges which keeps growing because of additional interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and this is not a Third Party Service!

The credit bureaus gave repeatedly and continuously abused me and my consumer rights! They have misled me, they have lied to me constantly, they have given me information that stalls and hinders the fraudulent information on my account. 

I have spoken to every representative from each of the bureaus and they have each told me different stories to attempt to hinder my FTC Report. I was told my XXXX to send in my FTC Report through fax with two forms of identification and a cover letter and after doing to was told my fax never came in. 

I was told by XXXX to send in my paperwork through the mail and they have told me that I needed to be more specific with information even after being as specific as I can be. 

Experian has blocked me from deleting fraudulent address that I have attached to my FTC Report stating that they wont delete it. 

These bureaus are following their own rules and not those laid out by the FCRA. I can not understand how the bureaus are continuing these misleading conversations and are ignoring the information provided and then stalling with sending letter saying that there are errors when there are none I am demanding that these fraudulent account be deleted XXXX XXXX XXXX  XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and damaging my life as I know it. The bureaus have taken advantage of me and are biding me by the credit bureaus that they serve. They are not for the consumer but instead are ran but the creditors and will display any information they want them to even if fraudulent as in my case.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and noticed an account that was not accurately reporting. I had XXXX late payments on an account ( XXXX ) that I was in fact paid on time. The XXXX XXXX XXXX need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my XXXX to this complaint on the following dates XX/XX/year>, XX/XX/year>. I am now requesting you XXXX this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.
Product: Mortgage

I was in a modification paying interest only for 10 years, I signed this modification not realizing it was interested only, just trying not to lose my home back in XXXX. The modification ended in XXXX, and the mortgage payments went from {$810.00} to {$1500.00} monthly which I have been struggling to pay since XX/XX/XXXX. I lose my job in XX/XX/XXXX because of COVID-19. I was receiving Social Security XXXX which was stopped because I made over the amount I should have in XXXX. So temporarily only received unemployment which has also stopped in Texas. Now I receive Social security XXXX. 

I have spoken to my mortgage company 21st Mortgage, to see what help was available to me, I received a modification of 2 months ' payments placed at the end of my contract in the first half of XXXX. That's all they offered me. I am currently behind for XXXX and XXXX of XXXX. 21st mortgage offers no help. I can't get refinanced because my credit score is only XXXX which was also affected by my current financial struggles. 

Do I have any options available to help me? Thank you.
Product: Credit card or prepaid card

Annual fee posted on XX/XX/XXXX. Called to cancel card on XX/XX/XXXX to avoid annual fee. Statement dated XXXX still showed the annual fee due as well as having a late fee and interest charged on the fee. Called on XX/XX/XXXX and was told a case was created to correct their error. The fee still showed on my account as of XXXX so called again. I was told they would fix it and a supervisor would call me the next day to confirm. No one called me. The next statement posted on XX/XX/XXXX and the annual fee is still on my closed account as well as the old late fee and a new late fee. They are also charging interest on all of these fees. Called again on XX/XX/XXXX and was told it would be corrected by my next statement date of XXXX. Told the rep this was not acceptable and it needs to be fixed immediately. Asked for a supervisor was told I could not speak to one.
Product: Checking or savings account

Chase closed my account for absolutely no reason. Due to suspicious activity. Ive had this account since XXXX XXXX XXXX XXXX XXXX, I am now a XXXXXXXX XXXX XXXX My account was closed with no explanation and I have been a loyal customer. My chase was connected to my job for direct deposit, my credit cards, my school for tuition reimbursement, literally everything. It was literally closed for no reason at all. I am highly upset and this feels like a smack in the face.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Synchrony Bank issues credit cards on behalf of XXXX  XXXX. This credit card includes a feature that as advertised if you earn XXXX points you will be enrolled in their upgraded loyalty program called " XXXX '' they advertise often on their webpage " Once a card member, reach XXXX status by earning XXXX points in a calendar year '' which includes varies upgraded features and benefits. I earned the points required to make this transaction occur in fact their own webpage states that my account should be XXXX, please see the attached documentation. However the Bank representatives tell me that my account is not eligible for the upgrade status until I spend {$5000.00} in a calendar year outside of Gap brands. I've included the disclosure provided by the bank in their advertisement and there is no language that states that. The program states I must earn XXXX points and they can not be bonus points. I have met that requirement and they will not honor their program.
Product: Vehicle loan or lease

Ive had a vehicle with US Auto sales for 5 years ( XXXX XXXX XXXXXXXX ) the car was priced for {$18000.00}. Here it is, once they changed to Westlake Portfolio I now owe XXXX like how?!? Ive been double billed several of times which makes it extremely difficult to keep up with payments. I now have no choice but to surrender the vehicle and take a hit on my credit because the car had a mechanical issue that I reported BEFORE my warranty expired. They waited until it was expired to attempt to fix the issue and then tell me they couldnt cover the mechanical issue because my warranty is up. Now I barely drive the car cause it cost more to keep it then to carpool.
Product: Credit reporting or other personal consumer reports

I want to remove authorized users from my credit report. I have control over what goes on my report please remove the authorized user accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Quicken Loans will not remove my PMI from my billing. I 've reached a little below 78 % LTV recently, never missed a payment for over 5 years in my home, paid ahead of schedule with my principcal, and they still say that XXXX XXXX requires a home evaluation ( at my expense! ) before they can cancel the PMI. This is outrageous that I have to waste more of my money. They say it will not be removed until XXXX 2012 ( almost another 4 years! ) unless I get a home appraisal. They say that the 78 % requirement is based on natural amortization of the loan. Additional principal payments to speed this up are not taken into consideration. This is just a barrier to make it more difficult for the home owner so that they can keep receiving the PMI.
Product: Credit reporting or other personal consumer reports

I am contacting you to share my concerns about multiple issues I have experienced with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me. I kindly request your assistance in resolving these issues to help maintain my financial stability.
Product: Credit reporting or other personal consumer reports

I contacted experian about my identity theft and worked with them to dispute all those incorrect infos ( wrong address, wrong date birth, wrong ( newly added ) auto loan, and newly linked credit cards that's not belong to me ), and they recommend me to submit fraud complaint here first
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.