23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from Radius Global Solutions. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. 
Only a signed contract between I, the consumer and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I have had several loans serviced by College Foundation that have been purchased by XXXX XXXX and XXXX. I accrued late charges and interest and was put in deferment even while I was in school. They listed negative marks on my credit report while I was in school and now, will not remove the negative items from my report. It has been over 5 years that I have attempted to have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : FLAGSTAR BK XXXX Balance : {$0.00}
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. 

XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US dept of ed XXXX XXXX, dept of education/ XXXX XXXX 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency 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

I am so bewildered about this situation. I've submitted this complaint numerous times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. Equifax is not removing or blocking the accounts per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. AGAIN, I'm attaching the FTC report and the Police Report I filed on my local Police Department for your records. There are 6 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Once again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am the home owner and XXXX  of a property. I went under contract with a customer that was using Planet Home Lending in Ohio. The buyer, as per the contract, submitted to me {$2000.00} in due diligence money. The mortgage closer from Planet Home Lending advised all parties Regarding the {$2000.00} XXXX, I apologize for any confusion, but I did not state this is a simple removal just that the funds are not verifiable and will need to be backed out of the transaction and returned to the borrower. The borrower will need to come in with the additional {$2000.00} at closing for the buyer. The Due Diligence deposit of {$2000.00} was money paid directly to the seller, me. This deposit has been a part of the contract from day one. The mortgage loan originator for the buyer stated, " the seller is going to keep the {$2000.00} that the buyer already paid. We just need an amendment for an additional {$2000.00} in seller credits so that we can put that towards the loan and keep the cash to close the same and so that everything is a wash. '' We obliged and agreed to change the contract as requested, under the written notice that I, the seller, would get to keep the $ XXXX that was already received. When the sale was canceled, the buyer and her realtor demanded full refund of the due diligence money as the contract no longer stated that it was in the contract. After speaking to legal representation from my realtor, we were advised to return the funds and look at options to recoup the lost money. 

Attached is the written communication stating what I have previously written above.
Product: Credit card

A total of XXXX transactions were approved by CITI Bank on a CITI issued card between September 8-10 2024. All XXXX were reported as fraud and XXXX had already been refunded by the merchant as suspicious. I saw a credit on the account the morning of the XXXX of XXXX when I called in to report them all as fraud. I have a police report from XXXX XXXX XXXX XXXX ( XXXX ) as well. 

CITI is claiming that no refunds have been issued, will not issue provisional credit for the frauds, and claiming I am over my limit. I have proof in hand that on the XXXX at least XXXX of the XXXX charges ( not including the one I saw on the account ) has been refunded. I have been told by both the vendor that refunded right away ( that I saw on the statement ) and the second vendor that refunds have all been fully processed and settled. CITI refuses to get me a manager or supervisor as they are all " too busy '' and refuses to settle the dispute or explain where any of the refunds have gone. 

At this point, I was the victim of Credit Card Theft, and apparently also a victim of the CC company refusing to process the refunds already issued. This is negatively impact my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My service was canceled for nonpayment and equipment fee of {$400.00} was added to my bill which no avenue was made for me to mail the non functioning equipment
Product: Credit reporting or other personal consumer reports

XXXX opened XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.
Product: Credit reporting or other personal consumer reports

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my account being written off for the full balance of {$10000.00}. I spoke with a rep ID # XXXX. I told the rep I seen that they have written off the full balance on this account and I am requesting a XXXX for so that I would be able to file it on my taxes. The rep informed me that my account was never written off but charged off in XXXX XXXX I told the rep I am aware of that as well but you have both a charge off and a write off. The rep told me she will transfer me to the credit department who can further assist me. I was transfer to the rep ID # XXXX. This rep was very argumentative and not very much help. In the beginning of the conversation I told the rep I am requesting my XXXX form seeing that the account was written off. She states the account was never written off but it was charged off. I explained that on my report it states both charge off and written off. She blamed the credit bureaus saying how they report whatever they want to report.I told her that was incorrect because due to the law they have to have accurate reporting and it must come from the creditor. She explain a charge off to me but when I asked for her to explain a write off she just kept telling me she don't know what it is. The rep kept telling me that my account is not eligible for a write off and it wont ever be. Then I asked her how she knows if she doesn't know what a write off is? The rep then say I can go to XXXX for it and how I wasn't trying to acknowledge the debt which wasn't true.I ask for a supervisor because we weren't getting anywhere. The rep transferred me to XXXXXXXX XXXX XXXX XXXXXXXX who is the XXXX department. XXXX got on the phone and stated his name and ID # however he never spoke with me because he acted as if he didn't hear me at all. XXXX repeated his name and ID # quickly 3 times then hung up the phone. 

This phone call lasted XXXX XXXX from XXXX
Product: Debt collection

I Never received an attempt to collect debt. I was never informed of the debt owed. I only found out by trying to apply for an apartment and having a collection on my credit report. I have not received a letter of settlement or any correspondence regarding this debt even after payment I have not received a receipt.
Product: Debt collection

This new medical collection just appeared on my credit file. I was never informed of this and DO NOT OWE. I have insurance and for any bills, I went to my approved providers which to receive the agreed-upon premium of the insurance company. This is wrong and again I was NEVER called or notified in ANY way.
Product: Mortgage

I have lived in my home for the past XXXX years. I am divorced and have remained in the home with my children. I plan to continue to live in this house with my children. My divorce was in XXXX and the mortgage is still in his name. I was supposed to refinance but because of the divorce had some financial struggles and had to declare bankruptcy. Because my ex and I are on good terms this hasn't been an issue. I have paid the mortgage monthly. Until COVID 19 happened. At that time my business shut down. I made no money. My mortgage was being serviced through XXXX at the time of the the initial global shut down-XX/XX/XXXX. They were super nice and we spoke monthly about my financial situation. My mortgage was then sold to Selene Finance and when that happened everything changed. They would no longer speak to me ... because I was not listed on the mortgage... even though I was approved with XXXX to speak on behalf of the mortgage. My ex-husband emailed them XXXX times and we never would hear anything from them. When we would reach back out they would say that they never got any such notice from him. When my financial situation changed, which it now has, Selene wouldn't take money from me. They returned money orders sent to them and will not allow me to discuss a payment plan, even though I live in the home and am the one who pays the mortgage every month. 
My financial situation has improved and I am now able to make my payments, but they wont take my money and will only consider any sort of payment plan if it's applied for by my ex-husband. He is not the one having the financial hardship though, I am. So, my only option right now is to pay the entire amount of the last year 's mortgage at once... which I can't do. Why can't they work out a payment plan with me and use my financial information as the basis for the hardship. They will see that I am now in a situation to pay going forward... I just can't come up with XXXX in a week!!!
Product: Debt or credit management

A collections charge popped up on my credit report. 
It is completely fraud from a third-party collections service [ AMSHER COLLECTION SERVICES ]. I have no knowledge of this unrecognizable charge and I am requesting it to be removed from my credit report
Product: Mortgage

DAMAGE TO CREDIT SCORE DUE TO FALSE REPORTING Loancare is falsely reporting my mortgage account as being delinquent and has damaged my credit score. Further Loancare is reporting the wrong payment obligation of {$2100.00}. 
The correct monthly obligation should be {$920.00} and not {$2100.00} Even after Loancare acknowledged error on their part - whereby they are collecting tax and insurance into an escrow account - when this mortgage account should NOT have escrow assigned to it. ( See complaint XXXX - for the erroneous escrow account. ) - Loancare has gone on FALSELY to report my mortgage account as delinquent - causing severe damage to my credit score.

Loancare fraudulently withdrew taxes and insurance, from my bank account and into an escrow account, which now has over {$5000.00} in unapplied monies. And yet Loancare continues to harass me, send me payment demands which include demands for property taxes and insurance on an account which should NEVER have had any escrow.

And now, Loancare is also falsely reporting failure to pay on my credit report and has caused me severe credit score damage yet I have paid and have {$5000.00} in my mortgage account
Product: Mortgage

I files a previous complaint against loandepot in which they lied in their response. 

I have continaully followed up for the result fo the incvestigation promised into the phony appraisal they recieved.. 

In addition they claim to have offered me a loan. Whatthey negelect to mention is I had to pay substantial fees resulting in their illegal false promises and inability to a. ) close byu the time the promised in writing. and b. ) the loan was in no way what I applied for, was promised or needed. Instead it increased their fees, left me with damaged credit, and was unrealistic as well as a breach of fiduciary duty given they committed to the loan then dropped it -- then lied, then took 6 months to sort it out ;. 

I have asked over and opver for them to provide me the result of the investigation into the apprasiser and they refuse to answer. II have concrete proof that id irrefutable that I am correct and the " appriaiser '' never set foot in the house..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Company response is in progress as of XX/XX/2022
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed employers, addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove it urgently.
Product: Credit reporting or other personal consumer reports

I found multiple inaccuracies on my credit report from the bureaus, and I am aware that it is your job is to ensure the accuracy of my credit report. 

Account Name : XXXX Account XXXX : XXXX Why is it that this account being reported with 3 different dates of last activity? Why is this account being reported with different date opened? Why is this account being reported with 2 different payment status? Delete the account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over XXXX years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.
Product: Money transfer, virtual currency, or money service

I requested funds be distributed from my 'XXXX  XXXX XXXX account ' to my 'XXXX  XXXX XXXX IRA account ' on XX/XX/2023. I sent wire transfer instruction for this to be done however a paper check was issued instead. This has caused my money, which is {$26000.00}, to completely disappear. 
The physical check was cut and mailed on XX/XX/2023 to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX and deposited there at that location on XX/XX/2023 ( I have a copy of the cleared check ). The wire instructions had the funds being funneled through Citibank and into a XXXX XXXX account. This did not happen. Not only do I not have an account at Citibank the account number that was listed on the distribution check ( which I have a copy of as well ) had a XXXX XXXX 's wire account number listed and the funds did not get deposited there either. 
To sum this up, Citibank deposited a check that was issued to me XXXX XXXX ' with a XXXX XXXX XXXX account number ' listed and rather than depositing the funds into that account number or returning the funds to the sender, they were deposited into Citibank leaving me with no access to my retirement money. I've had zero gains on this money for over 30 days day and everyday that the money isn't in my Roll Over IRA I am losing money.