23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX ; XXXX RADIUS GLOBAL SOLUTIONS ; This was remove from the waypoint collection company as fraud. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the only company that shows 2 accounts not listed on XXXX or XXXX. I demand XXXX remove the capital bank and XXXX XXXX account off my report immediately.
Product: Debt collection

I got a call from Transworld Systems today ( XX/XX/18 ) asking me to verify my wife 's date of birth and address. While I do have some debts in collection currently, we had not received anything from them in the mail. Also, I asked 3 times if they were debt collectors, and they refused to answer. They just said that were calling about a business manner. The number they called from was XXXX.
Product: Money transfer, virtual currency, or money service

I requested a pension distribution to transfer funds to a different institution ( XXXX ). It was sent to me as a check for {$6900.00}. I mailed this check to XXXX but it was intercepted in the mail and opened by some 3rd party, who I don't know, and cashed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX called me from XXXX ( XXXX ) XXXX to let me know that the check was fraudulently cashed and that I needed to call Chase and ask for them to reissue it. I called Chase HR department on XX/XX/XXXX and the pension XXXX, XXXX XXXX ( phone # XXXX ( XXXX ) XXXX ), confirmed that someone had stolen the check, and sent me a picture of the check ( attached ). XXXX then asked me to file a claim with the fraud department via fax, which I have done ( attached ). I have called the claims department number given on the front of the form ( XXXX ) to verify the status of my claim, but they were unable to verify that my claim had gone through. Please help me follow up with Chase and get my check reissued.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Experian, XXXX and XXXX corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.
Product: Credit card

My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. In 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account Type  - Detail : XXXX and TransUnion reported the account as a credit card, while XXXX did not specify the account type. 

Account Status : XXXX reported the account as open, while TransUnion reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while TransUnion and XXXX reported a {$0.00} balance. 

Credit Limit : XXXX and TransUnion reported a credit limit of {$300.00}, while XXXX did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while TransUnion did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).
Product: Mortgage

XX/XX/XXXX : I contacted Hungtinton Bank and explained that I had been unemployed for a number of months and still had no employment in sight. I asked if there was something that could be done. They told me no, just pay and do not be 30 days late. I continued using my savings to pay which meant other bills were not paid. 

Finally, in XXXX of XXXX, after missing some payments I spoke with someone at the bank. Explained I had been unemployed but finally had a new job but at less that half of what I previously made. They told me I could apply for a loan modification and that this was an option that should have been offered when I was unemployed. 

XX/XX/XXXX. The modification was completed but not to my satisfaction. I asked to speak to someone in management to discuss what had occurred. I was given name and number and called over and over and over. I was called back maybe once, twice at the most but not when I was free to speak. I continued calling only to be ignored. In addition, while awaiting the loan modification, I was called by the bank and told I was delinquent. I told them I was working on a modification with them and did not understand how they could not do this. 

XX/XX/XXXX : After continuously trying to speak with management I paid nearly {$2400.00} XXXX one month late and the amount per the modification ). I still continued to call and be ignored. 

XX/XX/XXXX : Received a check from the bank representing the amount I paid them. They said I was delinquent and needed to pay in full. I have tried calling them again and still no response. I made another payment but am concerned they will never address my concerns. I can now make regular monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports
Product: Credit reporting or other personal consumer reports

I was added as an authorized user many years ago to my sisters XXXXXXXX XXXX XXXX XXXX card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXXXXXX  I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from check into cash and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX  that I owe a debt of {$730.00} to dXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX al, has failed to prove that they are holders in due course of the orginal promissory note. The last two weeks, I recieved several letters all with diffrent quotes demanding that I pay the mortgage by way of direct wire transfer or by cashers checks only. XXXX XXXX has removed me from all their digital platforms continues to send emails and secure messages they know I can not open and read. In addition to this I recieve letters that have diffrent pay of quotes and multiple diffrent charges attached. XXXX and XXXX principles are not being followed. XXXX has been tendered as special deposit only. XXXX XXXX in response to this complaint is required to provide the time the note was placed into the XXXX after it was made into a security and who the trustee is that currently is the holder of the note. This information will be shared with the credit reporting agencies as well. XXXX XXXX has failed to respond to my request to validate the debt and will not address any subtantial questions asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit burea us ( Equifax,  XX/XX/XXXX  and  XXXX  ) that showed that the amount of {$2400.00} had  been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified  letters to each bureau requesting that the information be deleted from my credit report. Only  XXXX  bureau- XXXX  has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Product: Debt collection

I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Bank account or service

On XX/XX/2016 while at work at American Express I received a text message in reference to my American Express Serve Account stating my account had a low balance. I immediately called to check my account and was informed of many fraudulent transactions. I filed a dispute with American Express Fraud Department. My account was issued a temp credit for a partial amount of the amount disputed. A few days later I was informed that my disputed had been denied, American Express Fraud Department claimed that all the disputed transactions were authorized because they were PIN based. I informed them that the transactions happened in XXXX, AZ on days and at times that I was on the clock with American Express in XXXX, AZ. I provided prof from American Express payroll department to American Express Fraud Department and still they refused to resolve my dispute. American Express Fraud Department mailed me a letter stating the temporary credit issued was now final to use the money without concern, but the temporary credit that they were referring to was less the half of the disputed amount. I immediately called American Express Fraud Department and was told that part of the claim was approved and part of the claim was denied. I requested for the claim to be opened again and a few days letter they informed me that now the entire claim was denied. I have requested documents from American Express in reference to research done by American Express showing cause for the denial of the dispute and American Express refused to provide those documents.
Product: Credit reporting or other personal consumer reports

I sent out method of verification to the company for a collection XXXX XXXX XXXX on my account twice and hadn't receive anything back from the bureaus. I'm constantly getting a generic verified update. 

Also requested method of verification for late payments for XXXX and didn't receive a response. Not showing late on other credit reports Lastly, I ask for method of verification for a charge off account for XXXX XXXX XXXX XXXX and hadn't got a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED Equifax, XXXX  and XXXX s. On XX/XX/XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I have been trying to resolve issues regarding a debt on my credit report that does not belong to me. My first letter to the credit bureau was in early XXXX I have asked to be sent copies of original documents signed by me stating these are in fact my debts but neither the original creditor or debt collection agency has provided these to me. All they have repeatedly sent to me is a notice stating the debt was confirmed but nothing was provided to me as asked. I have copies of all the letters I have sent to them XXXX original creditor and debt collection agency ) trying to get this resolved since XXXX with no avail. I have tried to resolve this with them before making a complaint but I now feel like I have no other choice. The companies I am referring to are listed below. I hope I can get this resolved quickly. 

Sequium Asset Solutions ( XXXX ) Acct # XXXX debt {$440.00} " Not mine '' I have a current account with XXXX since XXXX and I am still with them and my account is in good standing. I have asked for copies of original documents and none have been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX debt {$280.00} and Acct # XXXX debt {$370.00} " Not mine '', " Not mine '' It's from XXXX. No verification of debt has been sent to me. I have asked for copies of original documents and none have been provided.