23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2023 I received a letter from a debt collection company. The name of the organization is Radius Global Solutions LLC. This is my response. I have attached a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM. This is my response. Please answer all questions and validate this debt claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed Equifax a letter disputing XXXX as erroneous ascertified mail with return receipt requested. I received notification that Equifax had received the dispute letter in the mail XXXX. I have not received a response from Equifax as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, Equifax has 30 days to investigate disputes. Equifax must delete all disputed accounts from my report if they are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter outlining the disputed accounts. 

Since I am prepared to pursue this matter in XXXX Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX debt creditor XXXX, XXXX and equifax is reporting several inaccuracies on my credit. I disputed XXXX of 2024 regarding this being a fraudulent account and they keep raising the balance when the account has been closed for 3 years. I have disputed this for the past 4 years and yet nothing has happened and the credit companies keep misreporting this and adding charges to my credit.

15 U.S. Code 1681n - Civil liability for willful noncompliance And 15 U.S.C. 1681o Civil liability for negligent noncompliance
Product: Debt collection

Hi AAGON Agency Inc enter a collection with credit bureaus and this is the first I heard of the debt. I have no ideal who I owe money too. I do have health insurance and their were no co pays. I need this debt removed to they verify that the debt is mines and from what medical clinic. It 's strange they post this when they got my address to damage my credit
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

I am currently unemployed and my husband left me and our daughter. Still no word from him yet. He was the bread winner of the family so I was left with nothing whenever he walked away. We have been in forbearance for 6 months now. And I don't know what to do with the house mortgage. The last payment we made was in XXXX of 2021 in the amount of {$1200.00}... I need help with paying the mortgage and taking his name of our the house and property. now that our escrow is running out I'm getting really nervous on how to save our home. Please email me at XXXX ..... If you can please help me.
Product: Credit card or prepaid card

In XX/XX/2018, I applied for the XXXX XXXX Credit Card through Chase Bank. I receive emailed daily offering miles as a perk. You receive instant credit and then you can book your travel immediately to start spending the minimum {$2000.00} to receive the bonus miles. 

I called the Customer Service number to make sure I was doing it correctly. I applied and was approved for a XXXX limit immediately. 

I was then instructed to click the link that goes directly to the XXXX website to book my travel. 

Once I clicked the link, my account profile looked different ( good sign ) and it also gave me the option to use membership miles ( never seen that before ) so I assumed something obviously took. 

After I selected the tickets, I was unable to pay with the new card ( so I can get all the bonus miles ) I called back and was told that the site must have " disconnected '' and they do not have access to my new card number and I will have to wait 7-10 business days. 

This does me no good as I will lose the bonus miles, and most likely lose the tickets I want. And if they are available, they will so much more as the tickets are for christmas travel. 
I called Chase, they said " we are the bank, they are a 3rd party, you should just cancel the card. '' I called XXXX and they said " we can not help you and we can not hold the reservation or allow you to change payment. '' So I ran my credit for nothing. I wasted 3 hours of my time on the phone. 
Neither company gave their Customer Service the tools to fix the issue as it is clear there is no intention of doing so.

This is bait and switch.

Moreover, I have activity logs that show no disruption in internet service. I run a global marketing company and my internet is my livelihood. Best believe I know when there is a disruption in service.

I filed a complaint. The representative from Chase made no effort to speak with me at normal hours. When I attempted to return her call, I was always sent direct to voicemail. I left over a dozen voicemails asking when I could call HER as I wanted to be sure to make contact. No response was given. 

I have not been given baggage fee credits or priority boarding. I purchased XXXX in tickets in one day that I planned to put on my XXXX Card. 
Every call to customer service to Chase or XXXX is met with either confusion or refusal to rectify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some inaccurate information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following records are have been recorded and disseminated wrongfully. 
LexisNexis failed to dispute XXXX XXXX 's information which is incorrect and incomplete. The company continues to collect and disseminate ambiguous and questionable information that is designed to discriminate and deny consumer coverage as deceptive business practice. As such it should be investigated for the legitimacy and ethics of its services as it is only benefiting corporations and not fairly services consumers. 

As stated previously road side assistance which is part of the policy benefit is NOT related to driving and is NOT considered a claim and is NOT relevant to the driving record just as XX/XX/XXXX ( Catastrophic ) due to natural disasters such as IRMA. Are impacts from natural disasters supposed to penalize consumers? 


XX/XX/XXXXclaim has been updated as NOT at fault. This is not correctly recorded. 
XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Catastrophic ) Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed.
Product: Credit reporting or other personal consumer reports

Greetings, on XX/XX/XXXX I sent a certified letter to Transunion requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Account XXXX XXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX  XXXX XXXX Account Number : XXXX ( TransUnion ) Date Opened : XX/XX/XXXX ( TransUnion ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( TransUnion ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report. 
15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account.

3. The procedures used to verify the disputed account and determine its accuracy.

If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This creditor, Is trying to collect debt that that is not owed. The debt has been written off as a profit loss and there is no longer a payment owed. The original creditor did not send me a XXXX, so that I could do the same. They are still reporting on my credit report as negative and that I owe the balance, even though they took a tax break! I am requesting a copy of my XXXX, that I did not receive. Therefore making my credit report negative with inaccuracies. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off, while still claiming I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting my car was charged off with a bankruptcy but its not true. It was paid as agreed and the same company gave me a new loan on my car. They refused to remove it without a fax from my attorney and the court showing it was not part of the bankruptcy. We did that and now they say the file is large that the attorney sent and they will get back to me after they make a decision. I was never late in XXXX  years!!! Please get them to correct my credit report. XXXX and the others
Product: Debt collection

I was mislead when the debt from Allstate collection appeared on my credit report out the blue. I called and asked for a verification of debt all I got was a bill. It never really verified anything. Im in the process of buying a home so I dont have time to go back and forth with that company. I asked for a debt settlement and was told verbatim we can settle on the amount of {$1300.00} and I asked what about deleting it from my credit report the guy said well you have the tools to remove it. So I agreed to the settlement with Allstate collection. I immediately disputed the account after it was settled and now the company will not remove it after the guy told me that I have the tools to remove it. Im really upset about how Im treated and they are reporting a payment history which is unlawful because I never signed a contract with them. I wont this account removed immediately. I called and the company is giving me the run around after I paid. If I would have known theyd try this I would have never paid them at all. Why is the company still reporting and they accepted a settlement under false pretenses. Now Im unable to get a car or home loan at the time until this is resolved!
Product: Mortgage

In a recent phone conversation on XX/XX/XXXX with Wells Fargo representatives, including the underwriter XXXX, and our XXXX XXXX XXXX representative, XXXX, it was stated that the reduced mortgage would be {$3000.00} with HOA fees included ; the current mortgage is {$3100.00}. This would give a reduction of {$18.00} which falls in the guidelines for XXXX 's XXXX, our Master Servicer. 
We are requesting assistance from the CEO or President area of Wells Fargo. We believe we were eligible on the XX/XX/XXXX modification request based on our calculations. We request a detailed explanation about how the underwriter determined his/her decision.
Product: Debt collection

After recent fraud on my credit report I have looked into accounts deemed in accurate. The debt collection agency TFC has been unable to verify the account is mine. I am Veteran and went to XXXX XXXX, utilizing my VA benefits. I would like proof of the agreement signed accepting the private loan because I never signed for a loan nor was that given to me as an option. Please provide the contract accepting the loan or documentation I had agreed to be responsible for the payments.
Product: Student loan

I have enrolled all three of my loans in auto debit. My payment of XXXX should be withdrawn on the XXXX of each month. For XXXX it still hasnt been withdrawn and Im now showing past due. I should also be getting a .25 % interest rate reduction which Im not. 
In addition I submitted my yearly PSLF paperwork XXXX and have not received any updates. 
How many times do people have to continue to complain about this incompetent company before we get some kind of help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that shows inaccurate information on my credit report from OHIO DEPT OF HUMAN S XXXX. I have filed a complaint before that this account is not accurate. The account is not a proper reflection of what is owed which is XXXX balane.
Product: Debt collection

On XX/XX/2023 I sent a certified letter to JPMCB stated on the account as Chase. I requested that they send me information in the amount allegedly owed reporting negatively on all three credit bureaus. I wanted to make sure the amount is accurate and how they came up with the amount. Chase Bank sent me a letter dated XX/XX/2023 stating that they had all my documents and they would send them to me. 
Chase bank then sent me another letter on XX/XX/2023, stating that they did not have all the information I needed to complete an investigation. However, they made updates on my credit report after stating that they didnt have any information on my account. They also sent another letter without a chase letter head containing my personal information along with an account number. They are asking me for a credit report as if they dont have access to it. They are reporting to date.
Product: Mortgage

I have wrote countless emails and talked to Customer Service about getting my Escrow check for 2014. They have never sent it and the town of XXXX is still never received and now FREEDOM MORTGAGE STILL HAS NOT SENT CHECK OR CALLED ME BACK. I have never had to deal with anything like this in my life. Please Help!
Product: Vehicle loan or lease

Showing a repossession for 6 months and it was only repossessed 1 month Showing false report Not letting me get a loan because there false information
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for XXXX dollars and I have paid over XXXX. The APR is 59 % which should not be in compliance with any state or federal laws. This company is being sued for going over the interest cap in several states. I was living in the state of Georgia at the time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want
Product: Credit card

Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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: Mortgage

XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, FCI Lenders, and XXXX XXXX ALL need to fined or put out of business and sent to jail. I got a lawyer and got the first lawsuit dropped. FCI Lenders told me I was almost {$24000.00} behind when XXXX refused to accept that when I went to court saying I owed {$45000.00} and then {$64000.00}. I was finally served with papers for the first time in XXXX of 2024 where they'd refiled the lawsuit, but then they supposedly sold my loan and didn't drop the suit. How on earth can someone that doesn't own my loan sue me? FCI Lenders offered me a payment of {$780.00} a month where I pay my own taxes and insurance. I've paid my own insurance for years anyway. I sent them a letter via mail, left two voice mails, faxed the letter, and emailed them stating that I would accept those terms and to send me the paperwork to sign. The first payment is due on the XXXX and I'm going to make it. Now, they're saying I'm {$65000.00} behind and that they took over the XXXX lawsuit. I don't see how they could have without their name or XXXX XXXX 's name on the paperwork. I'm going to attach more paperwork in case XXXX XXXX hasn't forwarded the latest to you. They really did doctor the ledgers and never gave me credit for a bunch of payments and sent a bunch back to try to make me look further behind on my mortgage. Their lawyer told me that they hear the same story about them saying we hadn't turned in the forbearance agreement paperwork when we had and I have email proof that I did. The first judge saw right through them too. I would appreciate it it your office would do a complete investigation and also find out just how many people they've done this to.
Product: Debt collection

I received emails from the following ; XXXXXXXX XXXX, XXXX, XXXX, XXXX. 

I gave {$350.00} to the email XXXX XXXX, in form of XXXX XXXX XXXX purchased at my local XXXX. I thought it was going towards my debt, but it was just a scam. 

I also gave {$300.00} to the email XXXX, because I thought it was going towards my debt. 

But when I kept receiving different emails, I called the company I borrowed from, and they told me it was bit them. 

So please be aware of the following emails. 

I have the emails to prove how they harass you and threaten you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle back in XX/XX/XXXX. Less than 30 days of having vehicle the car put me on side of road. Company said they would fix but they did not and kept having issues. I turned car back to finance company a month later and have not made payments. The XXXX company has me listed as current and making payments. I have not made payments in years since surrendering vehicle. It is listed on my credit report for involuntary repossession. This is information is invalid and false and is affecting my score and debt to income ratio. I need it to be removed immediately. I have sent out letters and nothing has changed and no response. I have always checked into the companies reviews and ratings saw similar complaints and unprofessional customer service with low ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX XXXXMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit card

On XX/XX/year> I applied on line for a Best Buy Store credit card at the Best Buy website. The Link to me to Citi Bank that issues the credit cards. The card offer was for a no fee card that offered a 10 % discount on your first purchase in reward points. I was denied for the promotional card but offered another Citi Bank card with a {$59.00} annual fee. I investigated the reason for the denial and was told it was for " Insufficient Credit Experience ''. Reference # XXXX by associate XXXX. Now here is the twist.. 
I am XXXX XXXX XXXX, have a lifetime of established excellent credit and a credit score over XXXX. There should be no reason for any denial and certainly for an " upsell ''. This is clearly a Bait & Switch operation that includes false financial advertising.