23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX contacted me in XX/XX/XXXX that I had an outstanding debt with them. I filed a XXXX dispute report and XXXX cleared off my credit report as a debt that was indeed not mine. 

I also called XXXX XXXX XXXX and spoke with them, XXXX XXXX XXXX does NOT have record of me having a direct account with them at any address or phone number I've EVER had my entire life, or any outstanding bills with them. 

And then XXXX obviously sold this bad fraudulent debt to another company, Radius Global Solutions, who now recently has been calling me constantly again, asking for my personal info like my SSN which I refused to give them as it didn't feel legit. 

The only XXXX XXXX XXXX " account '' I ever had was at a large apartment building I lived at - where the XXXX XXXX XXXX bill was paid by the apartment building leasing company. The apartment building paid the entire apartment buildings XXXX & XXXX bill each month, and the leasing office then just billed a flat rate to tenants every month to cover those cable & internet expenses. I've NEVER had a personal account with XXXX XXXX XXXX. 

Radius notified me that service started on XX/XX/XXXX and service was considered delinquent only a few weeks later on XX/XX/XXXX! And the amount was {$7300.00} during that time... completely suspicious! 

This is very clearly a scam/they bought bad debt with incorrect info. I've researched Radius on XXXX and do NOT feel comfortable giving them my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONTINUE TO VIOLATE MY RIGHTS AND VIOLATE THE LAW 15 U.S.C 1681 et seq.  BY FURNISHING DATA  AND  ACCOUNTS ON MY CREDIT REPORT WITH OUT PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT. THEY HAVE NOT PRESENTED PROOF  OF PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT OR HAVE MADE ANY ATTEMPS TO DO SO. MY IDENTITY HAVE BEEN MISUSESED, WRONGFULLY OBTAINED, AND UNLAWFULLY FURNISHED BY THESE COMPANIES FOR FINANCIAL AND ECONOMIC GAIN. I HAVE MADE SEVERAL ATTEMPS ASKING THEM TO DELETE THESE ACCOUNTS BUT NOTHING HAS BEEN DONE.
Product: Debt collection

They repeatedly call and let it ring once then hang up. This is on a daily basis.
Product: Credit reporting or other personal consumer reports

JPMCB Card is negatively reporting on my credit report. They reported to XXXX an incorrect personal address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX. I have never lived or been associated with this address. Per the FCRA 15 U.S. Code 6802 and 12 CFR 1016.7 I am opting out of sharing my information with third parties. Experian is indeed a third party reporting inaccurate information without my permission. 15 U.S. Code 1681 states " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It also states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I would like this account immediately removed from my credit report for inaccurate reporting on my credit file.
Product: Debt collection

Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.
Product: Credit card

Subject : Request for Removal of Closed Account from Credit Report Dear Credit Bureau, I am writing to formally request the removal of a closed account from my credit report. Below are the details of the account in question : Account Name : XXXX Account Number : XXXX Date Closed : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), inaccurate, outdated, or unverifiable information must be removed from my credit report. I believe this closed account no longer serves a valid purpose on my report a

nd may be negatively impacting my credit score. Please investigate thi
s matter and, if possible, remove the account from my credit report. I have attached copies of my identification and any relevant documents to assist with the process. 

I appreciate your prompt attention to this request. Please confirm in writing once the account has been removed or provide a written explanation if it can not be deleted. You may reach me at [ Your Phone Number ] or [ Your Email ] for any further information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I have 3 American Express Gift cards gifted to me by my employer for good hard work. However, all three cards are locked. I can't use them in person at local stores that accept American Express nor can I use them on XXXX, the biggest online store, and I can not get a hold of American Express as to why this is. 

- I've tried going through the website contacts ( amexgiftcard.com ). 
- I've tried calling the number on the back of the card ( XXXX ) - I've tried calling the American Express help phone number ( XXXX ). 

This main number ( XXXX ) is the WORST! Every time I call, they immediately transfer me to whatever number it is that they transfer me, and the options on the transferred number are only for getting the balance, but never to talk to anyone. I know the balance ... That's why I'm trying to use the card. 

All of which continue to give me a runaround and just keep transferring me onto someone else. I've never had such a bad customer experience with money. 

Two cards have never been used. 
Card XXXX <- Balance {$50.00} Expires XX/XX/XXXX XXXX Card XXXX <- Balance {$500.00} Expires XX/XX/XXXX XXXX The third card is a year or so old and has been used, but is no longer usable. 
Card XXXX <- XXXX XXXX {$250.00}. XXXX XXXX <- XXXX Expires XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have submitted police reports Ive submitted an affidavit that this is not my car that Ive been a victim of identity theft I have locks on my reports my report says initial fraud this car is reporting on 2 out of 3 bureaus and is ruining my life on purchasing a home for my family and I Im in no way responsible for this car nor is this car in my possession I demand it be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit reports need be updated. XXXX  transunion and XXXX. On XX/XX/2018 A lender told me that XXXX XXXX on my transunion report.
Product: Checking or savings account

Wells Fargo would charge a numerous amount of on relevant fees to my account thats didnt comply with their policies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

XX/XX/XXXX Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB Family, I am writing to file a formal complaint against the following debt collection agency Spring Oaks Capital LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Spring Oaks Capital LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Debt amount listed on consumer report : {$640.00} Date Opened : XX/XX/XXXX I have received a communication from Spring Oaks Capital LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Product: Credit reporting or other personal consumer reports

Experian XXXX failed to adhere to my request for federal protections of my consumer rights under XXXX. I am a living woman XXXX XXXX pursuing vindication from labor trafficking protections from creditors for purposes of FCRA section 605C.
Product: Mortgage

It appears that Shellpoint Mortgage Servicing has a problem with how they pay taxes from the escrow accounts. The first year with Shellpoint, I was making escrow payments. At the end of the year, I was informed that I was over {$1000.00} short for the escrow payment and they would have to adjust my mortgage payment from $ XXXX to $ XXXX starting in XXXX, to make up for the underpayment that would be spread over XXXX. I paid the full overage at the end of the year, asking that my escrow payment be adjusted to the correct payments and not include an added payment for the overage. However, after numerous certified letters, Shellpoint would not do this and continued to charge us for the escrow plus back payments for the escrow of XXXX. 
I refinanced on XX/XX/XXXX. On XX/XX/XXXX I called the County to confirm that real estate payments were made. They stated that no payment was made. On XX/XX/XXXX I paid the {$470.00} to the County of XXXX for Real Estate Taxes in order to make sure it was paid before the discount deadline. 
Today, XX/XX/XXXX, I spoke with a named rep at Shellpoint about my escrow balance. According to their records, they paid this amount to the County on XX/XX/XXXX. I called the County today, XX/XX/XXXX, and they stated they still did not receive or process any payment from Shellpoint. To add to this, because I paid it myself, the County office stated that they will refund {$470.00} to Shellpoint when and if they receive their payment because they can not process XXXX payments. 
This {$470.00} should be returned to me, along with my escrow balance. XXXX XXXX told me that when the County returns the check, they will be required to send the refund to me, but that will take at least another two months. It is clear, that if they sent the payment on XX/XX/XXXX, as stated, it would have been processed before the XXXX. Since it wasnt, I would have also missed the ability to pay with the discount. This is probably also how I came to have an underpayment in XXXX. On top of this, I lost several hours of work to clarify this mess.
Product: Credit reporting or other personal consumer reports

There are XXXX new accounts ( credit/loan ) opened on the last XXXX months that are not mine. These accounts are : XXXX XXXX XXXX in the amount of {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX credit card {$2900.00} XXXX XXXX XXXX XXXX {$0.00} I dispute these accounts with XXXX and XXXX . They responded that they verified my information with these companies consequently these accounts are remained in my report.

I put a freeze of my credit with the XXXX agencies. 

I also put an initial fraud alert with the XXXX agencies. 

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from XXXX XXXX informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).
Product: Money transfer, virtual currency, or money service

I have been using the Robinhood app to purchase stocks. I was happy with the service until an issue with account being freezed occured. They required a photo id be uploaded to able to sell and trade stocks again with a restricted status. I supply this and asked questions, its been almost a week with no answer to all questions asked. What else is needed? I am suffering by not being able to buy or sell while this servicing error prolongs potential. Also i wanted a summary of the porfolio totals and to see if any fees were charged. I asked as well if there are paper statement that can be mailed? No answer to these questions to date, as the freeze lingers.
Product: Mortgage

I issued a Qualified Written Request to my servicer in XXXX. Shortly thereafter the servicer requested an extra 15 days to respond. Servicer still has not responded and has gone well beyond the 15 days requested. In addition, when I requested a mortgage assistance package I was told by a representative of the servicer that I would not be allowed to apply for assistance. Instead of responding to the Qualified Written Request or allowing me to apply for mortgage assistance, the servicer has scheduled a foreclosure sale. This is the preferred method of offering assistance with my servicer - Select Portfolio Servicing.
Product: Debt collection

I received an email on XX/XX/21 and was not given the full 30 days to validate debt prior to credit reporting. I have since emailed twice with no response. 

Thi is a clear attempt to damage my credit reputation
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. About 3 weeks ago they started limiting the amount of money I could transfer from my paypal account to my chequing account to {$3700.00}. Now they have closed my account. They are holding {$1200.00} XXXX dollars. I can not transfer it or send out my invoices. They said they will hold my money for 180 days and email me then what to do to try and get my money. I have invoices sent out and they block the payment. I have over {$1000.00} in invoices sitting to go out and they can not be sent either. Please help me have my account reopened. Thank you so much XXXX Paypal reference # Ref ID - XXXX
Product: Credit reporting or other personal consumer reports

I think because of the paper reduction act. An fair consumer market an credit privacy policy. An me being a minority An lacking the knowledge of knowing. I was treated unfairly by credit companies. I was denied if I should of been approved. An that denial started a free fall of bad credit. I have been denied an treated unfairness.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

The listed companies have access to very sensitive personal information without permissible use or written authorization from me, the consumer. I have no account attached to these inquiries nor did I secure a business relationship with any of the following companies. They are misleadingly and inaccurately reporting to my credit report and are damaging my financial reputation. 

Cease and Desist further reporting of the following hard inquiries. Remove these inquiries from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THESE INACCURATE HARD INQUIRIES TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 


DO NOT SHARE MY PERSONAL INFORMATION WITH THESE COMPANIES! IMPERMISSIBLE PURPOSE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Consumer Loan

I am an XXXX service member with XXXX. I have a leased BMW that I 'll be turning in under the SCRA. I am 1-year into my XXXX-year lease and put approximately {$4200.00} down as a down payment. BMW will grant me early termination of the lease but they are refusing to give partial reimbursement of my down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a case with the CFPB was opened due to inaccurate information being reported to all three credit agencies ( please reference CFPB case numberXXXX ). Sun Loan is now once again reporting that this closed/transferred paid in full account as being 4 months past due. I have already spoken to an attorney about this account and provide her with all documentation and credit reports showing the history and inaccuracies as it relates to this account. She suggested I try one more last attempt before sending a formal demand letter to your corporate office and proceed with legal action to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to The three major credit bureaus ; XXXX, Equifax and XXXX that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.
Product: Credit reporting or other personal consumer reports

They used my wrong name, and this affected my credit report, and they ran the credit when they told me they weren't going to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I sent a letter on XX/XX/ to Transunion to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got tricked into taking out a XXXX dollar loan with 786 % interest XXXX dollars a week for 1 year which turns out to be XXXX dollars i just want out of the loan i dont want my account deducted every week
Product: Checking or savings account

In XXXX of XXXX  My debit card was taken by an unauthorized individual and they were allowed by Wells Fargo bank to withdraw funds from my account with out my knowledge or permission.
Product: Credit reporting

I ordered credit report on XX/XX/XXXX through my creditchecktotal.com. I noticed account appearing though XXXX XXXX XXXX with $ XXXX balance, apparently this account been open since XX/XX/XXXX. This account appeared out of no where, I never opened that account and it only appeared on my report in XX/XX/XXXX. I send a dispute with Experian, they told me they were able to verify this information though XXXX XXXX. I contacted XXXX XXXX XXXX they said that I do n't have this account through them, and they said call Experian. I called Experian and lady was very rude with me and told me that she would not do any additional investigation and I need to call the bank, I called the bank was on the phone with them for 2 hours and they ca n't find this account. I tried calling her again but she was rude again and said ca n't help me. This account is only being report to Experian. Even if it was my account, this account is over 7 years old and should not be appearing on my credit report. 

I have attached my credit report please review : XXXX XXXX XXXX XXXX XXXX XXXX