23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this formal complaint to address a significant issue regarding the reporting of a charge-off by a third-party agency on my credit report. This charge-off, which is being reported by Radius Global Solution, is classified as a XXXXXXXX XXXX XXXXXXXX. According to my understanding, this classification renders the charge-off as income. Income, by law, should not be reported to credit reporting agencies. Therefore, this charge-off should be removed from my credit report immediately. 
XXXX. Unlawful Reporting of Charge-Off as Income : Radius Global Solution, along with the credit reporting agencies [ XXXX, XXXX, XXXX, XXXX, etc. ] have reported this charge-off as a negative item on my credit report. However, this charge-off should be considered a XXXXXXXX XXXX XXXXXXXX, which constitutes income. Under federal law, specifically pursuant to IRS guidelines and the Fair Credit Reporting Act ( FCRA ), income can not be reported as a negative item on a consumers credit report. Therefore, the reporting of this charge-off is inaccurate and unlawful. 
XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : In addition to the improper reporting of income, the actions taken by Radius Global Solution and the credit reporting agencies are also in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is designed to protect consumers from unfair and deceptive practices by debt collectors. The following violations have occurred : Reporting of income ( XXXXXXXX XXXX XXXX ) as a negative item on my credit report. 
Misrepresentation of the nature and status of the debt by the third-party agency. 
These actions are clear violations of the FDCPAs prohibition against unfair practices, as outlined in 15 U.S.C. 1692e and 15 U.S.C. 1692f.
Product: Debt collection

I XXXX XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g I request that you provide to me verification of this alleged debt verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter have first-hand knowledge and must be notarized.Since this debt disputed pursuant to the fair credit debt collection practices act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX and XXXX I Herby inform you that you do not have my consent to communicate with me through any medium. Furthermore I do not consent to you having any of my personal and private information this constitutes aggravated identity theft I also did not consent to you reporting information in my name to the consumer reporting sgencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Following unknown hard inquiries found : Inquiry : XXXX Date of Inquiry : XXXX Inquiry XXXX XXXX Date of Inquiry :XX/XX/XXXXInquiry : XXXX Date of Inquiry :XX/XX/XXXXInquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry :XX/XX/XXXX Inquiry : XXXX  Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get ahold of Equifax by speaking to a live XXXX XXXX XXXX to resolve an issue regarding the retrieval of a PIN that was given to me when putting a freeze on my account, so that I can continue setting up my XXXX under XXXX XXXX. The issue is that I set up an account with a different credit company and do not have the PIN that was given to unfreeze my account. My credit is unfrozen, but XXXX still needs the PIN to proceed further, but Equifax DID NOT give me a number. While trying to get ahold Equifax, it takes you straight to an automated person to handle your business, but nothing was handled. After I gave my personal information, they claim that there is no record found, and that they will mail me out a letter with a recovery PIN ( or something along the lines of that ). I do not have the time to wait for something in the mail that will take a week when I can get it over the phone. My biggest issue is the fact that Ive been waiting to speak to a live XXXX XXXX Equifax for TWO HOURS! Not to mention that I had been trying to get ahold of them since yesterday ( XX/XX/2021 ) This is currently happening as I write, and Im currently missing work just to get a PIN. This is extremely unprofessional of this company to not have a better customer service line to help with these kinds of problems. If I would have know that placing a freeze on my credit was not for the greater good, then I wouldnt have done it. Absolute worst credit company, nothing has been done, and my life is being XXXX by this as I sit here and write.
Product: Credit reporting or other personal consumer reports

attached is the letter i sent to the credit bureau Experian I am writing to express my extreme dissatisfaction with the utterly erroneous information currently tarnishing my credit report, which I firmly believe is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review, I have uncovered egregious inaccuracies in the following accounts : XXXX XXXX XXXX Account Number : XXXX Status : Collection XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed and Paid Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX Account Number : XXXX Status : Collection I assert vehemently that the reporting of these accounts is not only incomplete but shockingly inaccurate, constituting a severe breach of the FCRA. Accordingly, I demand the immediate and unconditional removal of these accounts from my credit report.
Product: Student loan

XXXX private student loans are now being serviced by Mohela. My account has been in delinquency for about 70 days due to a financial hardship. Ive been seeking resolution on this private loan for the last 5 years. I applied for XXXX XXXX XXXX in XX/XX/year> by mail with supporting documentation and was denied 60 days later. During my intake with XXXX XXXX I asked for Department of Education loans ( XXXX XXXX ) and instead they gave me a loan that was private instead. This was misleading to a new college student and I was taken advantage of because I was eager to go to school Knowing this information led me to apply for the School Misconduct Discharge Application. The terms and conditions are severely different than a direct student loan backed by the Department of Education. I received a system generated response stating it was multiple factors why my application was denied. The factors were never listed.I called into customer service on two different occasions to get a clear explanation of the requirements. I was informed that they do not release the information to consumers but I can submit additional documentation that I think would be helpful to my application for reconsideration. The representative speculated on why the application could get denied but never identified direct reasons for my application submission. I expressed that I do not know what other information is required unless it's identified. The representative was extremely difficult. I asked for a supervisor and the representative adamantly stated that the supervisors do not take the calls. I was informed that I can file a compliant with the CPFB and there's nothing left to discuss. MOHELA application process is extremely difficult and invades the consumer 's privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a 5 year auto loan with USAA. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.
Product: Checking or savings account

at citi i can open an account but the next day they will vlose or i dont know at the other bank they cant day anythingXXXX XXXX XXXX  confuse because some ofher people they owe XXXX  and they dont pay. and still they still have a checking acvount and me i dont owe them i just want to have a normal life and yes i overdraft but i pay them and its not that big amount and i pay it
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hi Recently, I did an 2nd investigation on my credit report and found several items on there still to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report : 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. 15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A card from American Express Serve Card closed my account that I was using for direct deposit of my paycheck was closed as of XX/XX/2019. Some one has my account information. I ve filed identity theft.
Product: Money transfer, virtual currency, or money service

I formally dispute an unauthorized transaction of {$310.00} charged to my Revolut Virtual Single Use Debit Card on XX/XX/year>. The merchant in question is identified as XXXX XXXX XXXX' I confirm that I did not authorize this transaction or have engaged in any business with this entity. No goods or services were rendered in exchange for this payment. 

I submitted a dispute claim through Revolut Technologies Inc XXXX XXXX XXXX XXXX within XXXX hour of the unauthorized charge appearing on my account. Unfortunately, this claim was denied via email correspondence. 

I respectfully request a thorough investigation into this matter and a complete reversal of the fraudulent charge.
Product: Debt collection

Received collect every month from XXXX thru XXXX, Amount Due {$1100.00} take advantage of your tax return-settle account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In the amount of XXXX Account number # XXXX Date opened XXXX XX/XX/2022 I have no knowledge of this account and it was never opened by me and this is showing up on my Experian credit report as delinquent with late payments. I have already tried to dispute it through Experian and sprint to no avail and would like to resolve it through higher ups please help me thank you and god bless.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for its abusive and unjust credit reporting practices, which have caused significant financial harm to me and potentially many other consumers. Given the severe economic challenges we are currently facing, such practices further burden responsible consumers and exacerbate financial instability. 

Case Details : While traveling abroad, I inadvertently missed a {$19.00} annual fee payment on my XXXX XXXX credit card ending XXXX. At no point did XXXX XXXX notify me of this outstanding balance or send a payment reminder. I have a longstanding history of timely and responsible credit management with XXXX XXXX, with no prior delinquencies. 

Upon returning to the United States and reviewing my accounts, I immediately rectified the issue and paid a total of {$77.00} ( which included any accrued fees ). However, despite my prompt resolution, XXXX XXXX has failed to update the credit bureaus to reflect the cleared balance, continuing to negatively impact my credit score. 

Unfair Credit Reporting and Consumer Harm : XXXX. Immediate Negative Reporting, Delayed Positive Updates While XXXX  XXXX instantaneously reports any charges made, they do not report balance payments with the same urgency, leaving accounts in an artificially negative state for an extended period. 
This practice is deceptive and unjust, as it disproportionately harms consumers by failing to reflect their true financial standing. 
XXXX. Severe and Disproportionate Credit Score Drop Due to this single, minor delay of {$19.00}, my credit score dropped by XXXX points, jeopardizing a critical real estate transaction just three days before closing. 
The rigid and punitive nature of this reporting system creates undue financial hardship and prevents consumers from accessing essential credit opportunities. 
XXXX. Unprofessional and Abusive Customer Service When I contacted XXXX  XXXX to address the situation, I was met with dismissiveness and a lack of accountability. 
I was informed that XXXX XXXX  reporting is automatic and irreversible, yet they have the ability to instantly notify credit bureaus of spending activity but not balance paymentsa glaring inconsistency that serves only to exploit consumers. 
XXXX. Retaliatory Credit Limit Reduction Shockingly, one day after I contacted XXXX XXXX seeking assistance, they reduced the credit limit on another one of my accounts ( ending in XXXX ), further worsening my credit utilization ratio and causing additional damage to my credit score. 
This retaliatory action directly contradicts fair consumer treatment and further underscores XXXX XXXX  predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccurate information that has been reported to the credit bureaus regarding my credit history. After reviewing my credit report, I have found that several creditors have reported negative information that is inaccurate and has damaged my credit score. 

Firstly, XXXX reported a charge off account with the account number XXXX. I have never had an account with XXXX, and this information is completely inaccurate. 

Secondly, XXXX XXXX XXXX reported a charge off account with the account number XXXX. I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Thirdly, XXXX has reported a collection account with the account number XXXX. I have no recollection of any outstanding debts with XXXX and have never received any communication regarding this debt. 

Fourthly, XXXX XXXX has reported a charge off account with the account number XXXX. I have no knowledge of this account and have never conducted any business with XXXX XXXX 

Fifthly, XXXX XXXX XXXX reported another charge off account with the account number XXXX. As mentioned previously, I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Sixthly, XXXX XXXX reported a charge off account with the account number XXXX. I have had a credit card with XXXX XXXX, but I have never missed a payment or had an account go into charge off status. This information is inaccurate and damaging to my credit score. 

Lastly, XXXX XXXX has reported XXXX charge off accounts with the account numbers XXXX and XXXX. I have never had any accounts with XXXX XXXX and this information is completely inaccurate. 

I believe that these inaccurate and damaging reports violate my rights under the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA. I am requesting that these accounts be removed from my credit report immediately and that any damage caused to my credit score be rectified. I am also requesting a written confirmation from the creditors stating that they have removed these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Today XX/XX/2020 around XXXX I see an unauthorized charge to a rental company called XXXX XXXX XXXX at around {$400.00}. Shortly after I call my debit card company KeyBank stating I need my card canceled, I have an unauthorized charge and had lost my card. At first I thought the charge was a false charge from my own cancelation of another charge from another company. Then I notice my card was dropped, and I call Keybank immediately. I also see my email is hacked and the fraudulent person on my account is talking to XXXX XXXX. I asked my company to please send the replacement card as fast as possible I paid {$15.00} extra. I said also I need the money soon and they told me it would take over 2 weeks to get my money back and they wouldn't be sure if I could get it back. I need that money to feed myself, I am unemployed. They did not even offer a temporary credit for me and I fear for my overall health.
Product: Student loan

My personal and financial data was compromised, Violating FERPA. I request full cancellation of my student loan debt
Product: Debt collection

It is irritably annoying that these fraudulent accounts keep on existing despite the successful deletion of these accounts by other credit bureaus. They persist on your report as the only bureau reporting the same fraudulent accounts. I am providing additional details to facilitate the expedited removal of these inaccurate entries. 
Account Information : XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX  XXXX -PLEASE DELETE!!!! 
I previously disputed these fraudulent accounts with supporting documentation, including an Identity Theft Affidavit. Other credit bureaus have acknowledged the fraudulent nature of these accounts and subsequently removed them from their reports. 
I am requesting your immediate attention to this matter and a thorough investigation into the continued existence of these fraudulent accounts on your credit report. As other credit bureaus have already taken appropriate action, it is crucial that you expedite the resolution of this dispute and remove the inaccurate and damaging information from my credit file.
Product: Credit card or prepaid card

Capital One is blocking me from using an external application to track my credit card purchases charges etc.
Product: Payday loan, title loan, or personal loan

Paramount Capital Group and XXXX XXXX XXXX are running a XXXX scheme against innocent consumers to obtain a commercial driving license. I inquired to XXXX about taking refresher training in backing up a trailer. They informed me it was not offered. I said, okay, and thanks. I had my learner permit already. However, I was told I must complete 180 hours through a replicate school to obtain my commercial driving school. IT is not a true statement. I did not realize it was a fabrication until I applied for my first job. I just needed to take the driving test at the XXXX without going to school. I did not have to attend school! I was deceived, hoodwinked, and manipulated. Paramount Capital Group is using gangster and unprofessional collection tactics to collect these XXXX payments after saying they would get with XXXX and withdraw this illegally obtained loan. I have driven in the XXXX for six years, and I did not need to attend school. XXXX XXXX XXXX was aware of my military affiliation. I can not believe this company would take advantage of a Veteran. I have been duped into a fraudulent loan. I do not know what part Paramount Capital Group played in this XXXX scam. However, somebody should investigate this before they ruin my credit profile. I should not have to repay a needless loan I was conned into obtaining. I knew something was suspicious when the recruiter started calling me from private numbers. They should be shut down from doing business. Additionally, I am filing a complaint against them with the Federal Trade Commission.
Product: Debt collection

I received a call from XXXX XXXX XXXX XXXX sometime around XX/XX/XXXX, and the person on the call stated I owed a debt and they needed my address in order to send me the information related to the debt. 

Having dealt with identity fraud recently I informed the caller I did not feel comfortable doing that, instead I would do some research and reach out to the company if they were legit. I did find them listed on my state 's debt collection registry. 

I used the debt dispute template asking them for proof of the debt and to stop calling me, until they've provided this proof. I sent a tracked mail to their address in XXXX but I have received no proof of this debt or any response whatsoever. However they have continued to call me every day of the week including during work hours.
Product: Checking or savings account

I tried to withdraw {$7000.00} cash on XX/XX/2023 and deposit It to different financial institution to pay credit card bill I was told we have only {$3000.00} cash on hand and we will get drop on Friday XX/XX/2023 to already made payment to XXXX XXXX XXXX for {$5000.00} and {$1700.00} to XXXX XXXX and was planing to withdraw another {$5000.00} to deposit to XXXX to reduce my debt ratio now I dont know what to do I have {$89000.00} in US bank and can not withdraw {$10000.00} that wasnt intent before month end please let me know what to do this never happened with others bank the teller name was XXXX at US Bank in La XXXX XXXX in XXXX Ca XXXX XXXX I only withdrew {$3000.00}.