23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was going over my credit report on XX/XX/2024 and I realized that the report is not reporting accurately and its misleading. On XXXX XXXX I called the RADIUSGLOBAL and spoke to a XXXX XXXX was inquiring why they are reporting a collection on my credit report inaccurately he informed me that they no longer have the account and it was sent back to the original creditor. I have disputed this matter on numerous occasions and I have not received any information about it. The account RadiusGlobal is reporting incorrect information and according to 15 U.S. Code 1681s-2 this is in violation of the law. I want the account removed immediately from my credit report and any other credit reporting agencies.
Product: Debt collection

I received a notice from a collection agency for an overdue bill with XXXX XXXX XXXX for the amount of {$1600.00}. I told the collection agency that I use to have service with XXXX XXXX XXXX but transferred my phone number in XXXX XXXX to XXXX. I mentioned that I had been with XXXX XXXX XXXX  for many years without issue but I did not reactivate service in XX/XX/XXXX. The collection agency told me to contact XXXX XXXX XXXX. They provided with the appropriate number and I called XXXX XXXX XXXX and let them know that it was not me who activated service in XXXX XXXX. I told them I switched to XXXX and signed on to my dad 's account in XX/XX/XXXX. I asked XXXX XXXX XXXX if a photo ID was provided when service was activated. They would not tell if a photo ID was provided. I asked them to send me a copy of the application so I could see where the phone was sent. I told then my current address and said I have been living at this address since XX/XX/XXXX. I said if the application has another address where the phone was sent, then it clearly was not me. Again, I asked them to send me the application so I could see the information as well as the signature of the person claiming to be me. Again, I said if there was not photo ID provided, then I I said they were laxed in providing servoce to this person. The lady thing I said to XXXX XXXX XXXX was that if they do not send me the application to my current address, then they would not be able to hold me responsible. It is now XX/XX/XXXX and I have still not been provided an application or the photo is used to activate service.
Product: Debt collection

Ive been communicating with this company since XX/XX/XXXX trying to get them to remove this fraudulent account off my credit file. They have given me the run around have not been honest. They told me the proper steps to take to get this resolved. I did all the proper steps and no one has responded back to my request. They recently told me that if I wanted this debt removed I would have to pay it and once its resolved they will work with me to get my money back. So I paid this debt because I wanted it off my credit report which I never received a receipt for. Since then this item is still on my report and No has did anything in helping getting this off My report or get my money back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX  Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX XXXX Reference # XXXX have all 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 an account without written instruction.
Product: Debt collection

Email and phone threats about some many many years old interaction with a payday lender Speedy Cash for amounts I do not owe. Have received scam calls and now scam email.
Product: Credit reporting or other personal consumer reports

Thank you for your letter dated XX/XX/year> in response to my complaint submitted on XX/XX/year>, through the CFPB Complaint Portal. I appreciate your attention to my concerns regarding the inaccuracies in my credit report. 

However, I am writing to express my disappointment with the outcome of your investigation. Despite my detailed dispute and the evidence provided, several inaccuracies remain on my credit report, which continue to adversely affect my credit score and overall financial health. 

XXXX. **Item # XXXX : ** - You stated that " An account record remains. '' I provided substantial evidence that this account contains inaccurate information. I request a thorough review and reconsideration of this item. 

XXXX. **Items # XXXX, XXXX, XXXX, and XXXX : ** - Although you mentioned that " An account record was updated, '' the updates made do not reflect the true nature of my dispute. Specifically, these items were supposed to be corrected or removed due to the inaccuracies. I urge you to verify these items again. 

I am requesting a re-investigation of the disputed items listed above. As per your process, please contact the data furnishers again and provide them with all the relevant information and documentation that I have submitted. It is crucial that these entities accurately verify the information in question. 

I have gathered more documents that further substantiate my claims. I will be submitting these documents through your online portal at www.experian.com/upload. Additionally, I am mailing copies of these documents to your XXXX XXXX XXXXXXXX, XXXX, TX XXXX address. 

I am aware of my rights under the FCRA and will continue to exercise them to ensure the accuracy and completeness of my credit report. If the re-investigation does not resolve my dispute, I intend to add a XXXX statement to my file, disputing the accuracy and completeness of the information in question. 

I trust that you will give this matter the serious attention it deserves and take the necessary steps to correct these inaccuracies. Ensuring the accuracy of my credit report is essential for my financial well-being, and I hope for a prompt and favorable resolution. 

Thank you for your cooperation and assistance in this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding my Comenity BankXXXX XXXX XXXX XXXX  which was included in my bankruptcy filed on XX/XX/XXXX, and discharged on XX/XX/XXXX. As this debt was legally discharged, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding the inaccurate reporting of this account. XXXX responded stating, " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, the account status remains unchanged and continues to show a balance and past-due amount, which is a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 accounts are not mine ... not sure who's they are. Please remove them.
Product: Credit card or prepaid card

On XX/XX/22 I was given a {$20.00} Vanilla Gift Card. I tried to use the card for an online purchase on XX/XX/22 and the card won't work. So I registered it, and I was still unsuccessful. On XX/XX/22 I used it for an in-store purchase and was told there was only {$.00} left on it. I checked the balance online and saw an unauthorized purchase to www.xingyia.com on XX/XX/22 at XXXX am. Fortunately, I took a screenshot of the transactions, because now, when I check the balance I get an error message. On XX/XX/22 I notified Vanilla and submitted a dispute packet that same day. To date, I have not received the {$19.00} due to me, nor have I heard anything back from Vanilla.
Product: Checking or savings account

Cash app took money out my account in XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to inquire about the debt directly. There has not been a response.
Product: Checking or savings account

I am a customer with Simple Bank, they are transitioning to XXXX on XX/XX/XXXX On XX/XX/2021 they ( Simple ) withdrew {$8600.00} from my account. Without my knowledge or consent. I only found out when I used my card in the supermarket and it did not work. 
They left me with {$10.00} in my account to buy food and gas. 

After daily calls and messages to customer service, I eventually found out they were doing an investigation into my account. They could not give me a reason why as to why. 

Then a few days later I got a message they were closing my account, they only said this is confidential and all funds are frozen, until my account is closed and then they would send me a check for the funds in my account. No mention of the previous money they withdrew. 

After more calls and messages, they still can not confirm that what is happening. 

So as it stands now, on XX/XX/XXXX I have {$460.00} in account, which they acknowledge will be returned {$8600.00} withdrew and they can not confirm its return Surely this can not be Legal? 
I`m absolutely disgusted with their behavior over this. 
I can't get a straight answer from them for anything they have done. 
Customer Service even hung up on me! 
Its caused me a lot of stress and anxiety, Ive had to borrow money from family to get by Its NOT right and it needs to be reported and they need to be held accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Deletion of XXXX XXXX XXXX to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXXCOLLECTIONSERVICES Original creditor. this company just show up on my credit report i called them several times however they still not removing it.
Product: Credit card

I believe these accounts are invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records. CITICARDS CBNA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SUNNOVA Energy Corporation violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. SUNNOVA has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided SUNNOVA two ( 2 ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. SUNNOVA also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and XXXX. SUNNOVA has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, SUNNOVA failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in XXXX County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to SUNNOVA a properly indorsed and endorsed note, giving it value, for SUNNOVA to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from SUNNOVA. SUNNOVA is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Debt collection

Convergent Outsourcing but the original creditor is XXXX XXXX. Theyve received full payment owed and I have proof of payment. XX/XX/2021 this account was reported to collections but it was never removed and it is effecting my credit score along with holding me back from obtaining business credit. This account was paid in full and its closed. Its needs to be removed and its entirety immediately it is not a true accurate description of my credit report.
Product: Credit reporting or other personal consumer reports

I have attempted to have the fraudulent information on my credit report resolved for over a year now. I have provided documentation supporting the information is fraudulent and needs to be removed, however, the corrections have still not been fixed on my credit report with Transunion. These items are required to be corrected and/ or removed per Federal law. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXXXXXX XXXX XXXX Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Product: Checking or savings account

My account was closed due to fraud. I am currently trying to get help with my banking account. Someone is impersonating me and had already made a claim for the illegal withdrawals that they committed. The person is following my to ATMs, Casinos, and department stores. I have filed complaints using my XXXX and XXXX email accounts. Both accounts have been compromised as well. Called XXXX, XXXX. Called XXXX, XXXX, XX/XX/XXXX. Ive been to the bank XX/XX/XXXX, and filed a report claim with the XXXX XXXX XXXX police department, report number XXXX and XXXX. I am also mailing the fraud reports to Bank of America and XXXX.
Product: Checking or savings account

Wells Fargo bank notified me XX/XX/XXXX that there were checking and savings accounts open and closed without my consent settlement. Wells Fargo notified me. It was clearly stated anything after XX/XX/XXXX would be considered timely. Then today XX/XX/XXXX I received this email which stated something different. Also I notified Wells Fargo bank XX/XX/XXXX and XX/XX/XXXX provided a copies and accounts ending numbers in of this email. Wells Fargo bank never denied this claim. Today they want to denied this claim and write an entirely different version of the Claim. Attachments to the email will show proof of the emails. Also why is this even permitted. Why is this even a conversation. Wells Fargo Bank violated me and my credibility. There were Large sums of money missing as well. They violated me.
Product: Checking or savings account

On XXXX XXXX, I noticed on routine review of my checking account and online bill pay account, that an unauthorized and unrequested payment in the amount of {$5800.00} had been sent by check to XXXX XXXX XXXX. I called the customer service line at Chase and was told I needed to speak to the " claims '' department, and was given another number to call, which I did. After nearly an hour of wait time, the representative told me he was only authorized to deal with debit card fraud and I would have to wait for another agent. Within minutes, the line disconnected. I called again and after 45 minutes reached another representative to whom I explained the situation in detail, including telling her that Chase had sent the {$5800.00} by check and asking her to stop payment on the check. After 10 minutes of " checking '' she returned to my call and informed me the charges " would be reversed '' and the credit would post to my account within 1-2 days. 
On XX/XX/2020 I received a form letter from Chase identifying the XX/XX/2020 date of my inquiry and identifying it with Claim Number XXXX. " Here 's what you should know : As we discussed and agreed, no action will be taken. This inquiry is now resolved '' Shocked, I contacted Chase Claims department by phone on XX/XX/2020 and asked to speak to a supervisor, who gave his name as XXXX and informed me he had no Chase employee ID for identification later. He reviewed the inquiry and agreed to stop payment on the check. He indicated that if XXXX XXXX XXXX cashed the check and refused to return the money that Chase would not be responsible. When I asked if he thought this was reasonable, given that I had asked for stop payment on XX/XX/2020 and that the conversation on that date had been recorded, he answered " yes ''. 
He further suggested that I contact XXXX XXXX XXXX myself to ask them to return the check. And when I asked that Chase acknowledge the change in the status of my inquiry in writing, he stated that no additional letter would be forthcoming.
Product: Mortgage

Nation Star bought my mortgage loan from XXXX XXXX Bank, XXXX. 
The original term on the original loan document stated that when the LTV drops below 80 % customer can ask to remove the PMI, or it will automatically drop at 78 %. XXXX XXXX XXXX XXXX Today, Nation Star said no because their LTV value is set at 75 % for them to drop the PMI. They will continue to collect the XXXX premium for additional 5 % of the LTVXXXX XXXX I am sorry that Nation Star should have known when they purchased somebody 's contract, all the terms in the original contract prevail.
Product: Bank account or service

On XX/XX/2016, I received a letter from USAA requesting additional documentation that could confirm my military service to ensure access to USAA 's products. 
( I did not request any services from USAA and I have not been in the service ) I called them on XX/XX/2016 - someone applied for and was granted a debit card ( Account # XXXX ) using my personal information. ( Currently - my credit is frozen in all XXXX credit monitoring services ). USAA agent said they do not do credit checks if someone opens a debit account. This illegal account is now locked. This fraudulent account was applied for and approved online.
Product: Vehicle loan or lease

I attempted to refinance my truck with Toyota financial group by getting a loan with my bank XXXX XXXX XXXX XXXX. After XXXX months of passing XXXX XXXX  I start to receive phone calls multiple times a day from Toyota financial. I contact them find out that they never received a check so for XXXX months Ive been paying XXXX XXXX XXXX XXXX. I never received the returned check in the mail get a new check send it to them now its not enough, I get a new check send it to them and its not enough I tell them to cash it and Ill pay the difference like less than XXXX $ and they can send the title to my back and we are all good. They send the check back and now my loan is obviously in bad standing and my bank will not loan if your not in good standing and not my credit is ruined from all the attempts to get them Toyota financial group their check. I was at the bank getting the 10 day payout and recorded XXXX different prices in the same day so I sent them the most money requested just over XXXX $ and they never cashed it or sent the check back. My wife worried her vehicle that she uses to get to work was going to be towed had to purchase another vehicle. I want them to get their truck and dismiss the loan and any charges. They are easily the worst company I have ever dealt with nobody is in charge they use people overseas to accomplish local tasks that have no idea what they are doing it is a disgrace! How they rudely call you like Im the bad guy after dealing with them all summer it has been this way since we got the truck I cant believe they are in business at all. Places like this are criminal they only care about money and they wont even take it when you send it to them complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion 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.