23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had my first initial phone conversation with XXXX XXXX from Radius Global Solutions regarding a charged off auto loan account I have with  XXXX XXXX XXXX on XX/XX/XXXX. On that phone call I stated to Mr XXXX that I am unsure if I would be able to put any money down towards this debt at this moment. On a few separate dates since then, most recently on XX/XX/XXXX - Mr . XXXX called my wife and was going to get into the account had she provided our address and last 4 digits of my social security number. She has stated that she has received a call from that number she received a call from on XX/XX/XXXX several times before but she did not answer, I also am unaware of how they obtained her phone number and also what right he had to try to pass on information regarding my debt without getting consent from me to speak to anyone else. I also have a credit report from late XXXX during which time I was applying for a mortgage and we spoke to someone on a teleconference call from XXXX XXXX XXXX ( XXXX ) and had stated that my account was closed with a XXXX balance. I am also sure of the fact that my number is listed on the do not call list and I have noticed that Mr . XXXX continues to call from different local numbers and area codes in attempts to reach me.
Product: Credit card or prepaid card

I saw a web advertising for Amex Premier Rewards Gold Card ( -XXXX XXXX XXXX XXXX XXXX ) what Amex mentioned {$2000.00} spending within 90days and I can get XXXX MR points. But Amex didn't give this XXXX   reward points.

Amex said that I already had same card with rewards points.

But, when I apply this card, web site application didn't mention about that. And former card made long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX  and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Mortgage

This is an addendum to the complaint already filed on this same subject and is further explained in the attachment.     SPS has responded to the last complaint, and again has allowed  XXXX  to convince them that the force-placed insurance amounts they stole from my account in  XXXX  of  XXXX  and  XXXX  of  XXXX  were valid. My bank statement clearly shows that I had paid this insurance premium in  XXXX  of  XXXX , and  XXXX  had been properly informed of this by my insurance company. However, they still pulled over {$2300.00} from my account in  XXXX  of  XXXX  and again in  XXXX  of  XXXX  and those funds were never placed back in my account.     They also responded that the illegal and unauthorized and unjustified charges totaling {$3800.00} were allowed charges related to bankruptcy and foreclosure. These charges occurred between the dates of  XXXX  of  XXXX  through  XXXX  of  XXXX . THERE WAS NO FORECLOSURE OR BANKRUPTCY IN ANY WAY ASSOCIATED WITH ME OR THIS LOAN AS OF THOSE DATES! Even the default date on this loan was not until  XXXX  or  XXXX  of  XXXX , so I guess we 're supposed to believe that  XXXX  was psychic and went ahead and started assessing charges 4 years prior to my default to apply toward my foreclosure?     But the addendum sent to  SPS  yesterday also includes the fact that, according to the payment records provided by  XXXX  or SPS, the first payment I made to the previous servicer,  XXXX   XXXX   XXXX , was never applied to my account. That is detailed in the attached letter and supported by the attached documentation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i requested Coinbase remove {$1000.00} from my XXXX savings account. This money was removed but never entered into my coin base account. Seven days previously on XX/XX/XXXX Coinbase removed {$1000.00} from same account and entered it into my Coinbase Account. 

I first contacted their support team on XX/XX/XXXX to complain the money was never entered into my Coinbase account and provided documentation the money was removed from my XXXX account on XX/XX/XXXX. I also called their support team by phone no fewer than three times and have sent them at least two dozen emails. Their support team agreed i was correct and raised the level of my problem to a " level 10 '' ( their highest level ). However, after more than two months and multiple calls, countless emails and clear documentation they will not refund my money. 

Clearly this is either fraud or a scam and is frankly outrageous for a XXXX dollar company.
Product: Debt collection

I wanted to clarify a debt on my credit that is wrongfully listed, which i am trying to remove. Ive attached the police report and license plate for documentation of the wrongfully listed debt. The debt is for a motorcycle that I was leasing to own ( XXXX XXXX ) which was stolen from my current residence on XX/XX/XXXX. The motorcycle was found a month later, which was NOT informed to me from the XXXX Police Department until nearly 60 days after the report was made. Within those 60 days of the motorcycle being found, the motorcycle collected storage impound fees that couldn't be reimbursed nor paid by the XXXX Police Department or my current apartment residence, considering the security negligence of the broken surveillance cameras and broken entrance and exit gates to the apartment building
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent  them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To WHO

M IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING IN MY FILE .THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM IDENTITY THEFT AND DID NOT MAKE THE CHANGE .I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION AND I ASLO HAVE ENCLOSED COPIES OF FEDERAL //TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THE ITEMS AS SOON AS POSSIB
LE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of  accounts that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. Please respond accordingly
Product: Debt collection

Subject : Complaint Against XXXX Failure to Correct Inaccurate Credit Report Information Dear CFPB Representative, I am submitting this complaint regarding XXXX and its failure to properly investigate and remove inaccurate accounts from my credit report. Despite multiple disputes, XXXX has continued to report erroneous information, negatively affecting my credit profile. 

Summary of the Issue : On XXXX XXXX XXXX  I submitted disputes to XXXX regarding several accounts that are either fraudulent, incorrectly reported, or should no longer be on my credit report. These disputed accounts include : XXXX XXXX XXXX  : This account does not belong to me, and I have never opened or authorized any account with XXXX XXXX XXXX XXXX This account does not belong to me, and I have never opened or authorized any account with XXXX XXXX XXXX 
I received a response from XXXX on XX/XX/XXXX, stating that the information had been " verified as accurate '' without providing any supporting documentation. In response, I submitted another dispute on XX/XX/XXXX, providing additional evidence to prove that the accounts were inaccurate. 

Despite this, XXXX failed to correct the errors, and on XX/XX/XXXX, I followed up again, demanding a reinvestigation and requesting detailed documentation regarding the verification process. XXXX has either ignored my requests, upheld the inaccurate reporting, or provided insufficient justification for their decisions. 

Actions Taken : XX/XX/XXXX : Submitted initial dispute via [ online portal, mail, or phone ], providing supporting documentation. 
XX/XX/XXXX : Received XXXX  response stating that the information was " verified as accurate '' without sufficient proof. 
XX/XX/XXXX : Submitted a second dispute with additional supporting documents. 
XX/XX/XXXX : Followed up after no resolution, requesting a detailed reinvestigation. 

These are just the most recent dates but this has been going on for months now. 
Request for Resolution : XXXX  handling of my disputes violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation into disputed items. I request the CFPBs assistance in ensuring XXXX : Conducts a thorough reinvestigation of the disputed accounts and provides supporting evidence for any claims of accuracy. 
Removes or corrects the inaccurate information on my credit report. 
Provides a formal response outlining the steps taken to address this matter. 
This ongoing issue has negatively impacted my XXXX XXXX, potentially affecting my ability to obtain credit, housing, and financial opportunities. I appreciate the CFPBs assistance in holding XXXX accountable for its responsibilities under federal law. 

Please let me know if any additional information is needed to support my case. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all open accounts with credit bank on XX/XX/XXXX results  were ready the same day also tried disputing XX/XX/XXXX and XX/XX/XXXX and also XXXX. I have been XXXX  since XX/XX/XXXX  and have included solid proof to Experian and the creditors. I was also denied disputing the address on report which I never lived. There is no possible way that this was investigated in less than 24 hours.
Product: Credit card or prepaid card

Victim of Fraud and identify theft from a company called XXXX which i have never done any business with before. Never even heard of them. 

Received email from XXXX on XX/XX/XXXX at XXXX that I purchased football game tickets for tomorrow. Order was for {$250.00} Then almost immediately at XXXX I receive an email from XXXX that your tickets are ready Then at XXXX I received another email from XXXX to say I purchased football game tickets for tomorrow. Order was for {$290.00}. Order XXXX At XXXX I receive a email from Chase indicating suspicious activity on account. I need to confirm if I made these purchases for {$410.00} on XX/XX/XXXX. I replied NO! To this email. 
Then at XXXX I receive an email from XXXX that my email address was changed Ultimately i was charged the {$250.00} as the other order was cancelled. 
Both these orders I did not make myself. 
I spoke to Chase bank ( my credit card company ) and they said not to worry and I wont be held liable as I have protection. 
1 Month later they sent me a letter to say that I am responsible for transaction and that I benefited from this transaction. 

I've tried to contact XXXX but no one ever answers the phone, emails or their XXXX emails. 
Made police report for identify theft and fraud ( XXXX PD ) Logged complaints at FTC and WA State Attorneys office against XXXX Filed Complaint against XXXX at XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
TD Bank {$11000.00} Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXX{$35000.00} showing {$25000.00} payoff but reflecting negatively on account. 

XXXX XXXXXX/XX/XXXX Account charged off. {$20.00}, XXXX written off. {$20.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXXXX/XX/XXXX Account charged off. {$47.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX Account charged off. {$39.00}, XXXX written off. Updated XX/XX/XXXX
Product: Debt collection

United Revenue Corp at XXXX XXXX XXXX XXXX XXXX Tx XXXX has been sending me collections notices Im the amount of {$6300.00} the collection has been reported as past due.I do not know this company.I have never done any business with this company.This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my payment of {$25.00} to XXXX XXXX XXXX was posted and bounced back on XX/XX/2018. This was because my wallet was stolen, and my bank account number had to be changed. XXXX locked my account, and I was unable to pay online or in store with my card. I did not want to post a payment through the phone as my credit card was just stolen and I was concerned about identity theft. I spoke with numerous customer reps at XXXX who assured me my online account would be fixed. My account was not reactivated until I was forced to pay the account via phone. Finally, on XX/XX/XXXX I agreed to pay the balance over phone as no other options existed. 

Since that date, XXXX has reported my payment as late, and all of my attempts to rectify the situation via customer service has ended in either being hung up on or told theres absolutely nothing they can do. At this time, XXXX has 1 ) reported my payment to be 60 days late despite my best efforts to pay them, 2 ) charged me a late fee, 3 ), 4 ) been unwilling to accept any fault in this matter, and 5 ) unwilling to update my credit report despite their fault in this matter.
Product: Credit reporting or other personal consumer reports

XXXX {$420.00} XXXX XXXX  {$570.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX  {$1000.00} I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. These inquiries are not a result of any actions or credit applications initiated by me, and I believe they were added to my report in error or without my consent. 

I have already contacted the credit reporting agencies and the companies responsible for these inquiries but have not received satisfactory responses or resolution. As a result, I am seeking your assistance in investigating this matter further and removing the unauthorized inquiries from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is a total of XXXX inquires
Product: Credit reporting or other personal consumer reports

request the original contract with my Wet signature on the student loan, its a violation of the educational privacy act the school will not provide transaction history to any third party company the family educational privacy act of 1974 XXXX  I need the creditor information XXXX  I need proof that XXXX owns the debt, XXXX  I want the payment plan and history I request the account be updated and paid and agreed! You have yet to remove XXXX XXXX XXXX you have not provided me with the original contract with my wet signature I asked that you remove it,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Credit card or prepaid card

I have credit thru PayPal financed thru synchrony bank, I purchased a payment security in case of illness loss of job or death ect. On XX/XX/XXXX I became XXXX  and started falling behind on payments. I contacted payment security back in late XX/XX/XXXX early XXXX  and let them know I needed to process a claim they made 3 payment I believed and asked for doctors letter they provided which I had doctor fill out ad send to them so they could continue to make payments or pay debt once they received it they send a letter saying they needed another doctors note signed on or after XXXX to continue with assistance. I feel I have provided enough information and everything they have asked. and they have falsely advertise a service they Are not providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reported Identity theft and had someone else using my SSN to take out no credit loans. My SSN was used of someone to get a tax refund as well. I had 69 hard inquiries on my XXXX  as and about the same amount on XXXX and transunion as well. Ive reached out to all the credit Bureaus to get my credit report fixed. XXXX  and XXXX  removed everything that was incorrect within 30 days and without a problem. Transunion on the other hand I've paid countless times for there services and everytime I never can lot in again. In the last 60 days I disputed multiple incorrect items on my credit report and nothing changes. I just paying for another services last week and again still can see my credit report. Ive call and spoke with them and this last time they offer a free month for there services and it only lasted a week. My credit score has gone up about 80 points because of the other credit bureaus and it would be almost perfect if transunion would do what i paid for. They have or had not sure yet because i cant login a activated credit card account I have listed as closed. XXXX XXXX and XXXX XXXX XXXX had items collects and both companies have been removed from the other credit bureaus. I want my money back and for them to actually dispute incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and Equifax after numerous letters has refuse to remove unathorized inquires i did not give any permissible purpose or written consent. I contacted each company on my credit report and they told my to contact the credit agencies, which i have done and they still refuse to remove. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. You have not provided me with any information on how you verified these items. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance Employment, Court Order The following credit inquiries are related to none of the aforementioned permissible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been made aware that XXXX XXXX continues to violate my consumer rights excessively. I have had multiple encounters with the bank and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. This behavior constitutes dead-right fraud and violates consumer protection laws. XXXX XXXX has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous sending of emails constitutes harassment and abuse, which is also a violation of the law. Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account Number : XXXX