23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XXXX from this company attempting to collect an alleged debt on behalf of another collection agency XXXX XXXX XXXX. There were also several laws violated here. 
15 USC 1692 ( g ) ( 5 ) a statement that upon the consumer written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 
This document lists XXXX  XXXX, na. that is false information Per the definition by congress written in the definition of the law. Myself, I can not extend credit to myself. Another violation is 15 USC1692d ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader. The words/language used in this letter is just that proving a violation of law. Also, violations of 15 USC1692n ( f ) ( 8 ) using any language or symbol other than the debt collectors address on any envelope when communicating with a consumer by use of the mails or by telegram except a debt collector may use his business name IF such name does not indicate he is in the debt collection business. Well Radius Global Service Solutions is for certain in the debt collection business and letter they sent clearly state that this is a attempt to collect a debt. The envelope showed Radius Global Solutions. 
I am requesting a removal of this alleged debt from all sources listed on this document and a deletion of this alleged debt. Also requesting {$1000.00} for the violations of laws per 15 USC 1681 ( n ) civil liability for willful noncompliance. Per law 15 usc 1681n ( a ), 15usc 1681n ( 1 ) ( b ), 15 usc 1681n ( b ). Nothing listed above is a belief its a fact.

the letter is from radius global solutions, but has XXXX XXXX XXXX and XXXX XXXX n.a on the letter so im not certain on where you would say it came from
Product: Credit card

I filed a claim about a charge i did not make and did not receive anything from that charge that i could return if i have received it. They denied my fraud claim and I cant afford that charge im currently not working.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

I received a phone call from a company claiming to be  XXXX  or possibly Americollect claiming they had accounts of about 800 dollars in my name.
I have received no notice from any credit account or creditor claiming i was delinquent. I have received no notificaiton from anyone that i had outstanding debt about to go into collection. I received no letter from any collection company. I was told they mailed a letter to me on   XXXX   XXXX  .
Following the phone call, i ordered an  XXXX  credit report. My report shows that i have no accounts that are in collection and have paid on time on my accounts since 2013.
the collection company will not tell me who is claiming that i have delinquent accounts.
My credit report shows i have no accounts in collection and this is very distrubing.
Product: Debt collection

This company keeps calling me and whoever answers she gave them birthdate address and social security number. Regardless of who is on the phone. This information should be protected. I have asked them if I have a contract with them and they refuse to answer saying she will take legal action against me.
Product: Debt collection

Dont know anything about this debt, or ever affiliated with this company or organization so please kindly remove or block this company from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPOR. 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.

You as a consumer reporting agency must exercise your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and to maintain maximum possible accuracy to consumer reports, right now I am letting you know the reporting of this item below is inaccurate and must be deleted. 

XXXX ( XXXX ) This company XXXX is reporting a false charge off to my consumer report, they openly admitted that there was no XXXX form file and its not a charge-off in their system, so how are you reporting it as a charge off account? did you even verify the XXXX form before putting this as a charge off on my credit report?? XXXX starting to question your verification process!!! Do you think you are above the FRCA with reporting inaccurate and false information? I demand this account get removed immediately. 

XXXX XXXX federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

ATTACHED IS XXXX ADMITTING THEY DID NOT FILE A XXXX FOR THIS ACCOUNT I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On or around the last week of XX/XX/2023, my wallet and cell phone were stolen. I promptly reported my stolen debit card to Wells Fargo. I learned from the customer service representative there were multiple unauthorized ATM withdraws. The total amount of the unauthorized transactions was {$2300.00} plus out-of-network ATM fee ( s ). Wells Fargos investigation took longer than ten ( 10 ) business days and I never received provisional credit. I had to call Wells Fargo after 10 business days to learn my claim was denied because of two-factor authentication from my phone. I told the agent my phone was stolen and the agent said theyll conduct a second investigation and review the phone issue. Wells Fargo failed to conduct a reasonable investigation within 10 business days. Wells Fargo should have either completed a reasonable investigation within 10 days or provide provisional credit. Wells Fargo failed to do both. If the perpetrator ( s ) used an ATM, then the camera would show the suspect ( s ). I never had any authorized users. I dont have a joint account. I never gave anyone permission to use my debit card. I am desirous of prosecution. Wells Fargo is in violation of, among other things, Regulation E and the Electronic Fund Transfer Act. According to my attorney, I am not responsible for unauthorized transactions. Moreover, I have no history of using out-of-network ATMs and the unauthorized transactions occurred outside of my geographical location. Its clearly unusual activity. Being the victim of a crime and losing my money has been detrimental as I have medical bills due that I am unable to pay, and as a result, Im unable to get the medical care I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX CRED XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN Collection : XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX  Balance Owed : {$270.00} AD XXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : XXXX  XXXX
Product: Consumer Loan

XXXX issued a gap insurance refund to Santander Bank in XX/XX/XXXX fro an auto loan. Santander was to re-issue the refund to me. I called on XX/XX/2016 to inquire since it had been 3 months and was told the check was mailed. I called on XX/XX/XXXX to inquire because I still have not received the refund. Santander now says XXXX was to issue the refund ( XXXX ). I called XXXX on XX/XX/XXXX but they have no record of a refund. I called Santander back, as directed by XXXX, to inform them of this and was told there is no record of a refund in the amount of {$520.00}, but on XX/XX/2016 there was and I have a photocopy of the check XXXX sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION EQUIFAX, XXXX, XXXX XXXX XXXX THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report.

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.
Product: Debt collection

HI MY NAME IS, XXXX XXXX I = DID NOT MAKE THIS ACCOUNT OR APPLIED FOR THESE FUNDS, ITS = THEFT & FRAUD,, A FAIR RESOLUTION TO MY DAMAGES AND FINANCIAL LOSSES ARE = XXXX $ deposited TO mE FOR lOSSES FROM tHEFT & FRAUD, ETC NOT ME, NEVER SPENT MONEY ETC PERIOD. 


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

I have been made aware that XXXX XXXX XXXX is reporting inaccurate information to the credit bureaus XXXX Transunion is reporting inaccurate information on my credit report. My credit report with XXXX XXXX XXXX is incorrect and not reflecting the same information on my XXXX nor my XXXX. XXXX has since removed this account from my report and I'm demanding the same be done with transunion. I am also aware that credit acceptance is being sued by several states for predatory lending, illegal repossession and falsifying information on consumers credit reports. I got this information CFPB and it is valid..
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX Report Number : Transunion file Number : XXXX XXXX CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXXXX XXXX XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me
Product: Vehicle loan or lease

I have a car loan, during XXXX I took a extension on my loans because of covid and I understood to extend my loan six months. My loans was extended 9 months instead because when I started paying loans again they took several payments and just applied to interest. I send them a worksheet showing them thr overcharge and I told I was wrong. And now I'm still paying interest. I'm worried that they will hurt my credit because I'm going over the time of my loan.
Product: Mortgage

I have a mortgage with   Wells Fargo. They bought my original VA loan without my knowledge or consent and had not given me any information of " rules '' or investor terms.
They will not eliminate my impound account even though I have 20 % or more of equity.
Enclosed is their response.
Thank You   XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. This letter is being sent under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which requires that furnishers of credit information report only accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXX XXXX  Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX  Date Listed : XXXX XXXX, XXXX This account is reporting a balance despite the fact that such reporting may violate consumer law and IRS regulations concerning the discharge of indebtedness. According to XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form is evidence of an identifiable event of debt cancellation under IRS regulations . Specifically, Identifiable Event Code 7 states that a discharge of indebtedness occurs due to a decision by the creditor to discontinue collection activity and cancel the debt as part of a defined policy.

If a 1099-C form has been issued for this account, it signifies that the debt has been canceled. Reporting a balance for a canceled debt is not only inaccurate but also misleading under the FCRA. This inaccurate reporting is damaging my credit and must be addressed immediately.

Demands : Verification of the Account Balance : Provide evidence showing that the balance being reported is accurate and collectible.

Provision of the 1099-C Form : If a 1099-C form has been issued for this debt, provide a copy of the document as proof of the identifiable event.

Immediate Deletion of the Account : If the debt has been discharged under Identifiable Event Code 7 or can not be verified, this negative information must be promptly deleted from my credit report to comply with the FCRA.

Under the FCRA, I expect your investigation to be conducted within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information or provide the requested documentation, you are required to remove this account from my credit report.

Thank you for your prompt attention to this matter. I look forward to your resolution and a written confirmation of the results. 

Sincerely, XXXX XXXX
Product: Debt collection

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT