23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Radius Global Solutions has been attempting to collect a debt on behalf of XXXX 's that was paid in full to XXXX XXXX. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from XXXX XXXX and rectify the outstanding debt. We received the information from XXXX XXXX for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to XXXX 's on XX/XX/XXXX and deposited by XXXX 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, XXXX XXXX offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that Radius is performing collection practices that are outside of FTC regulations and local ordinances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXXDepartment of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month
Product: Credit reporting or other personal consumer reports

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX  pattern of making fraudulent claims against a XXXX XXXX XXXX. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Product: Vehicle loan or lease

On multiple days I tried to obtain my car title to register my car in XXXX. I sent official paperwork from the XXXX state department and DMV, bridgecrest is still failing to comply
Product: Checking or savings account

Wells Fargo wouldn't let me access or close out my old account from XXXX after wanting unauthorized fees and other cards in my name I never authorized. Staying with a friend my identity was stolen XXXX. XXXX Someone fraudulent changed over my account information passcode XXXX where I couldn't access bank statements or investigate identity theft the bank said my account was closed but never closed and a data breaches took place now someone has fraudulent accounts and inquiries destroy my entire credit report. Someone without my permission got access to my debit card & pin unfortunately ATM withdrawal of XXXX whole tax refund was stolen yr XXXX. 
No investigation was done or resolution granted
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report Ive noticed a fraudulent unauthorized inquiry and according to the ( FCRA ) legally, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was in deferment but fed loan serving reported it past due and after reporting it past due changed the loan to current.
Product: Credit reporting or other personal consumer reports

I have previously disputed this item XXXX  XXXX Bankruptcy XXXX XXXX XXXX GA XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA Section 611 15 USC Section 1681 and the information must be deleted immediately. ''
Product: Checking or savings account

In XXXX, I opened a checking account with Citibank is response to a promotion they had giving {$1000.00} to open a checking account and deposit {$75000.00} in the account After speaking to a rep on the phone they confirmed the promotion, stated my edibility and let me know to expect an account opening package in the mail. I received this account opening package notifying me my account number was to be XXXX. 

On XX/XX/22, my girlfriend initiated an online bill pay from her account at XXXX to fund the initial deposit. The amount she transferred to me was {$76000.00} For some reason, Citibank accepted these funds then froze my account and removed access. They refuse to return the funds to me or my girlfriend. They've essentially stolen this money We have tried to get them to return the funds. They will not At this point they owe me the return of the intial deposit along with the payment for the {$1000.00} promo ( which we met all the terms for and they've had the money so long we met the amount of time the funds needed to be on deposit to qualify ). We are also asking for interest paid from the date of deposit along with reimbursement for th notary fee we had to pay to write a letter they requested in order for them to return the funds Additionally, we are asking the CFPB to investigate and hold Citibank to account for what must be several violations of the law. A bank can not be allowed to attempt to steal money and falsely advertise promotions in the way Citi has done here. 

If I can be of any assistance in the return of our funds, the payment of interest and promotions and/or helping to hold Citibank in violation of any and all laws, state or Federal- please contact me at XXXX
Product: Debt collection

Calvary SPV I, LLC, original debt is XXXX. I went through hardships and lost my business, aka XXXX/job   after 16 years. Kept paying on dept to XXXX and creditor kept charging outrageous interest, penalties, and fines. Eventually XXXX locked me out of the account and I could not pay my bill then sold debt to Calvary SPV I LLC. without any notice to me. Calvary Spv I LLC contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. Calvary doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.
Product: Student loan

I filled out my PSLF application in late XXXX and received confirmation from MOHELA on XX/XX/XXXX and it stated that they have received my request for my COVID payment refund and my PSLF application. I was told in writing it would take 90 days to complete and update my records with regards to my qualifying payment counts. 90 days had passed and I received word that my updated counts were completed but they did not update my last XXXX payments. When I called and spoke with a representative I was told there was an error on their side with updating my payment counts and since I sent in another PSLF application ( duplicate ) that it would take another 90 days to process. But this time she said XXXX business days which wasn't mentioned previously so I was a bit taken aback by the change in position. I also have never received any mention on when my COVID payment refund would be sent to me or how it would be sent to me. 90 days from XX/XX/XXXX would be XX/XX/XXXX or so and we are on XX/XX/XXXX as of this writing. 
I am concerned that this company, the only XXXX authorized to do my PSLF application is not wanting to comply with this legislation, and are hoping through their lawsuit with the federal government that they will not have to forgive any PSLF loans. This is a travesty since I only need XXXX more qualifying payments to earn forgiveness and I have XXXX qualifying payments that just need my employment certified. I have left countless messages with information on how they contact my employer, using the internet to prove I am and was a teacher during those last XXXX payments. They won't do a payment count update, and I am at my wit 's end. I am trying to organize a grass roots movement to start a class action lawsuit against MOHELA, I just need lawyer who wants to get rich because there is definitely something going on here that needs to be shared with the world.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting

I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to someone at the TN US bankruptcy court. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.
Product: Debt collection

I called to receive a validation letter that this debt belonged to me and they refused to send it. They said they would send me supporting documents but they would not send me a validation letter. This company is Midland Credit Management.
Product: Student loan

I have a private loan with navient and my federal loans are being serviced by them. My federal loans are income based but navient refused to work with me with my private loans. I told them that i am able to pay with a fair payment plan. the account manager threatening to send me to litigation if i dont pay right away, and demands for me to fax to navient 3 months of my banks account for them to work with me. I am tired of dealing with this company who belittle its consumers. I dont want to default on my loans, i want to be able to pay but also i want to have a roof and food for my child and for me. this company is fraudulent, and a bully, and students need to be protected from this abuse.
Product: Credit card

I received a bill for {$5000.00} in the mail for my Dillard 's credit card was several purchases and I was not aware of any of them. I keep going back-and-forth with the bank and then suddenly I keep receiving more bills with added interest and fees. 
This is unacceptable as it is detrimental to my credit score and I keep trying to work it out with them and they keep giving me the workaround and saying I just have to wait. I'd like for this to be resolved as soon as possible and I'd like my account and l 'd like to never do business with them ever again.
Product: Debt collection

I noticed I was being charged as a XXXX for a apartment complex Ive never lived in via my credit report I reached out to Procollect to advise that Ive never lived there and that it has to be fraud and I need it removed and they advised I had to file a police report and mail it to them after I offered to provide documentation of lessening information for the residence I live in that the apartment complex is stating I lived there which is impossible due to you arent able to lease more than one home at a time in XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle transaction was faulty sent and was not returned with no caption stating is this the correct contact
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated by XXXX, Equifax, and XXXX XXXX. According to Federal Law 15 USC 1681 ( a ). Exclusions ( a ) consumer report does not include a report containing information solely as to transactional experiences between the consumer and the person making the report. It is illegal to report any derogatory remarks to a credit report. I have multiple late payments, and closed accounts on my credit. These derogatory remarks is hurting my report; and causing me to be denied credit.
Product: Credit card or prepaid card

Because I am XXXX the company is not accepting normal proof of identity and address and is keeping me under additional scrutiny. I am a us born citizen regardless of my race and name. I provided my lease, utility bill, phone and cable bill, bank statement, ss card and a valid state id. The barraged me with emails to have my federal benefits direct deposit ( which again confirms id and address ) and the would not activate the card they sent so i can access my own money/federal benefits claiming the harassment is the fault of the government because of XX/XX/11. If they were not being XXXX towards XXXX applicants and customers this would not be an issue. i am XXXX and have XXXX kids, our benefits are necessary to survive and pay for life sustaining medications. i need help to stop this harassment, discrimination and ensure access to our federal funds.
Product: Credit card or prepaid card

I purchased carpet for the XXXX XXXX in XXXX of XXXX. The carpet was installed incorrectly and without the padding that was ordered was not installed. Instead, the carpet was installed directly over the concrete. I attempted to settle the issue with XXXX XXXX XXXX in XX/XX/XXXX but was unable to get a refund. I then disputed the charge with Chase bank and a credit was issued. Due to the contractor forging my signature on a completion document, the bank had initially sided with the merchant. The dispute was re-opened in XXXX of XXXX and the charge was canceled. On XXXX XXXX the charge was reapplied to my card and I am now unable to get a straight answer on how this happened. I have gone into a branch and they were not able to assist me either. 

I have attached a letter from a competing carpet company that explains the issues with the carpet installation, Along with a letter that I sent to the dispute department on
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent Ed Financials multiple request for removal of late payments off of my credit report for XX/XX/year> and XX/XX/year>. In communicating with this company, they have stated on multiple times that these XXXX late items should have been reported to the credit bureau and the only thing I had to do was call each of the credit bureaus, dispute and they would contact XXXX Financials and these delinquency would be immediately removed due to the Coronavirus Aid Relief and Economic Security Act ( CARES Act ) which provides relief measures through XX/XX/year> and no late payments should have been reported during this time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account number XXXX, 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
Product: Debt collection

IC Systems debt collector never received a bill from this company. On my credit report it says I owe {$1700.00}. A alert was sent to me by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hit with an inquiry from SYNCB National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle. Inquiry from XX/XX/XXXX. SYNCB. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my XXXX  credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXXXXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.
Product: Student loan

My taxes were taken to pay a XXXX balance 2years later the department of education said I owed this again so I paid it again from money given to me during COVID recently I was interested in returning to school and they are now saying I owe and additional XXXX $ and I shouldn't owe anything something is wrong please help
Product: Credit reporting or other personal consumer reports

Lexington law was supposed to fix my credit and didnt