23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute an item on my credit report related to the account with XXXX XXXX XXXX XXXX. The information provided by this collection agency is inaccurate and is negatively affecting my creditworthiness. I request that you investigate and correct this issue promptly. Details of the disputed item : - Creditor Name : Radius Global Solutions - Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX -Account Name XXXX XXXX XXXX Account Number : XXXX - Description of Inaccuracy : Collection agency has not provided validation information under 12 CFR 1006.34B5, yet they placed collections on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34C4. The collection agency is violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. They have no authority to furnish this account to a consumer reporting agency without providing all disclosures required by law, which is a clear violation of 12 CFR 1006.34D and 15 USC 1681S-27A. I herby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you do not contact me nor anyone else except the original creditor about this collection. In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. Also, I will need you to furnish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that you are licensed or legally authorized to collect on a debt in my state. Proof that you are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process. Proof that the original creditor authorized you to collect the debt on their behalf. The original creditors name. Details on when the account first went into a delinquent status since that is the dare required as OPEN DATE on the collection account I kindly request that you : 1. Conduct a thorough investigation into this matter. 2. Correct any inaccuracies promptly. 3. Provide me with written confirmation of the resolution. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate and respond within 15 days. I appreciate your attention to this matter and look forward to a swift resolution. Please do not contact me until you have collected and sent this information to me at the address on this letter. You do not have the authority to provide this address to the credit bureaus as an updated address for the account. If prior authorization was granted, I hereby revoke any authorization to discuss this account with any 3rd party such as my work, family, or anyone other than me. Please acknowledge that you have received this notice Thank you for your assistance. Sincerely,
Product: Student loan

I make less then XXXX a year and I was told by Navient before my private loans defaulted I had no more options now they are trying to sue me or garnish me and I can barely pay my phone bill. I 'm trying to get and find a better career so I can pay.
Product: Checking or savings account

I signed up for a new checking account with Wells Fargo on X/XX/17 during a promo they were running. I am suppose to recieve a bonus of XXXX dollars after I made XXXX debit card transactions and online statements. I met all the requirements and emailed customer service on X/XX/17 to inquire about my bonus. I was told that I would have to fill out a XXXX form and mail it back when received, I recieved the form on X/XX/17 filled it out and mailed it back. I emailed customer serivce on X/X/17 to inquire about the bonus and told it was under investigation and I would recieve a respnse within 14 business days. I emailed again on X/XX/17 and recieved the same exact message about 14 business days and it was under investigation.
Product: Credit reporting or other personal consumer reports

I do not have a contract with this alledged creditor. I did not grant permission to utilize my name, or signature so this is fraud according to the FCRA laws 15 usc 1681. have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TransUnion Credit Bureau but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the charge off were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

XX/XX/XXXX : mortgage payment paid on time. Sofi stated that the amount was incorrect. They had erroneously included an extra {$310.00} on payment for taxes. Taxes are to paid separately by me. Numerous call/emails were made which highlighted the fact that Sofi did not keep correct records and did not have copies of paperwork that they had sent when the loan was funded. XX/XX/XXXX : mortgage payment paid on time. Sofi again contacted stating that the payment was not received and a late fee was charged. Confirmed with the bank that payment was sent to the correct address. called sofi who stated that they could not look for the payment and that official paperwork from the bank would need to be sent to verify payment. This has not been resolved.
Product: Debt collection

I filed a complaint with CFPB on XX/XX/19 Complaint id XXXX on Edward Sloan & Associates. The company respond on XX/XX/2019 that they would close the accounts with their office and remove from my credit report. They have reported today under ESA collections and reported with XXXX   and XXXX  as a collection account. I demand these collections items be removed immediately as they do not have the right to collect or report that I owe their company money per the FCRA. I will take further action against ESA Collection AKA Edward Sloan & Associated if this is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, Barclays Bank Delaware requested a credit review on my name through XXXX. I am a current customer of Barclays '. 

When I called Barclays, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the Barclays inquiry. 

Barclay was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.
Product: Debt collection

Company will not provide or respond to validation of debt. The SCRA states that a landlord may not evict a current servicemember from premises that serve as, or are intended to serve as, a servicemembers primary residence during a period of military service, without a court order, assuming that the monthly rent for those premises does not exceed a certain amount. See 50 U.S.C. 3951.
Product: Mortgage

I am trying to request to have my pmi removed. I have filled out all of the information that they required and waited for hours on the phone with them. Constantly calling and getting no resolution. I am being told that I am denied a bpo request due to payment history when I have never missed a payment or been late on a payment.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Checking or savings account

1 ) In XXXX of XXXX, I mailed a check to the XXXX XXXX XXXX Collector, but someone stole it during transit and unlawfully cashed it, stealing {$30000.00} from me. I made a claim about the reimbursement of this unauthorized check immediately after I discovered it, and proceeded to make around 10 more claims because the bank wouldn't help me. Wells Fargo bank stopped sending me paper statements since XXXX and I had no way of knowing the check was cashed by a thief. In addition, I went to a different branch ( XXXX XXXX ) about 10 days after I mailed the check and the teller said that it was cashed and to not worry. She didn't bother to check who it was cashed by or to give me a copy of the check when I asked ( said the machine was broken ), so I didn't know it was stolen at the time. I only learned it was stolen when I got a {$1800.00} penalty notice from XXXX XXXX for paying my taxes late. The tellers at the banks keep saying I will get reimbursed, but my claims keep getting denied because it is past the 30 day window from when the check was cashed. I can't sue Wells Fargo because of an agreement I signed with them without knowing of its existence, so my only route is through arbitration. The bank would not provide me with the Statute of Limitation for when I could arbitrate with them despite my request. 
2 ) Around XX/XX/XXXX when I submitted the original complain to CFPB, XXXX from Wells Fargo called me and rushed me to make a written statement, which I wasn't comfortable doing because of my limited XXXX as a XXXX immigrant. I asked him for more time, which he responded by saying that if I didn't cooperate he would drop my claim. He asked if I couldn't write in XXXX and I said I couldn't. He proceeded to say that that's why " we XXXX XXXXXXXX and XXXX. '' I was very upset with this XXXX and rude remark. He apologized, but I still felt offended. 
3 ) Two customer service workers at the Wells Fargo bank told me they don't know anything about my case. I was asking how I could start the arbitration process and when the last date to submit was. Both of them told me they were told not to discuss my case by their manager 4 ) At the end of XXXX of XXXX, I had stopped by the branch to get a copy of the deposit agreement, and I was told to wait 45-50 minutes even though there were no customers in the lobby and there were 7-8 workers who all denied to help me. Finally, after 50 min, I went to XXXX and she asked for my ID and debit card ( which I had never owned. ) I gave her my Driver 's License and she told me that the manager required to record everything about my case. It took 5 min to get a copy and I left branch after 1 hour. 
5 ) On XX/XX/XXXX, I was inquiring about the minimum balance to be waived the monthly fee and any return item fee. Nobody helped me at the teller and the manager asked me to wait 45-50 minutes again even there were no customers. Almost an hour later, the manager helped me to answer just these 2 basic questions. The manager was noticeably mean to me and it seems like they keep trying to avoid helping me. I closed the account that day after 20 years of owning it.
Product: Debt collection

I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> Capitol one checking deposit isn't there and they are saying technical issues but won't let me access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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: Credit card

PayPal XXXX  Customer Service Subject : Dispute of Fraudulent Account Opening - PayPal XXXX  Account Ending in XXXX Dear PayPal XXXX  Dispute Resolution Team, I am writing to formally dispute the opening of a PayPal XXXX  account under my name, which I believe to have been done fraudulently. The account in question was opened on XX/XX/year>, and is associated with the account number ending in XXXX To provide context, I recently discovered that someone who used to live in one of the rooms in my house had opened multiple accounts under my name without my authorization. This same individual was previously found to have fraudulently opened a PayPal Credit account ending in XXXX, a case for which PayPal has already ruled in my favor. 

Given the circumstances, I am confident that the PayPal XXXX account in question was also opened without my knowledge or consent. I request that this account be closed immediately and that any charges associated with this account be removed from my credit history. 


I kindly ask that you conduct a thorough investigation into this matter and provide me with written confirmation of the account closure and removal of any fraudulent charges from my credit report. Please also ensure that no further attempts to open accounts under my name are permitted without stringent verification measures. 


Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

On XXXX, I got a court summons that I was being sued by Midland Credit Management over a XXXX XXXX account. Prior to this statement, I did not even know that Midland owned the account. I hadn't received any other type of notification from Midland regarding this account. I tried calling to work out a payment plan or a settlement but they would not accept anything because it was already in legal collections. I have gone online and made two payments and contacted them multiple times since then to try to make arrangements but they continue to tell me that they plan to sue and not work with me even though I am trying to make payments and work this out. I asked to speak to a manager and they wouldn't transfer me to anyone when I called today. The collector didn't notify me of the full mini miranda when I called today as well.
Product: Credit reporting or other personal consumer reports

I am unable to access the Experian credit freeze page. When I log in they try to force me to buy their products instead of letting me freeze my credit. They also try to force me to use their phone app which I can not do because my phone is too old. I tried about a month ago and I have been trying over the last few days with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Submitted a dispute with XXXX XXXX XXXX for unauthorized credit inquiry from XX/XX/XXXX. I received a response from XXXX  XXXX XXXX, it would be removed no later than XX/XX/XXXX as they submitted it to Equifax to remove. Equifax refuses to remove from my credit report and refuses to help me resolve this. 
case number XXXX
Product: Money transfer, virtual currency, or money service

Transaction date : XX/XX/2022 XXXX XXXX  PDT Amount : {$150.00} The fund was not transferred immediately as promised, it stays in the processing status. The company doesnt have options for us to cancel the transaction and for the funds ti be available. Their answer is always the third party is causing the delay.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These cations have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting

I Would Like To File For Identity Fraud And Clear My Name. From XX/XX/XXXX-XX/XX/XXXX I Was XXXX And IN Between XX/XX/XXXX-XX/XX/XXXX Someone Was Using My Name And Social Yes For Mortgage Loans, Student Loans, And Auto Loans. I 've Never I REPEAT I 'VE NEVER FILED FOR ANY OF ABOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating they have confirmed information to be accurate from a collection agency which just popped up on my credit report the other day. I did a dispute with the three reporting agency it was reported to. XXXX and XXXX   removed it immediately after investigating. During the Experian investigation I explained I had not made the charge or ever been to the hospital or received any products or services from that hospital that the collection agency stated the past due charge could have came from. The erroneous charge came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Experian is constantly and consistently reporting incorrect and physically unverified information on my credit file. It seems as if the reporting agency Experian is relaying on outdated sources as oppose to new technology. A credit reporting agency can not use electronic Verification as proof of any sort. The job of a fraudulent account is for it to appear as ethic as possible. I'm hereby demanding the removal of the following accounts. Please block immediately. 

1 ) XXXX XXXX XXXX {$1500.00} 2 ) XXXX XXXX {$520.00} 3 ) XXXX XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX  {$300.00}
Product: Debt collection

Identity stolen and XXXX account was created by someone I dont know and at an address I am unfamiliar with. This is hindering my ability to close on a loan and Im a victim not delinquent consumer
Product: Credit reporting or other personal consumer reports

They put a fraud report on my credit report my SSN is not correct causing incorrect info to lenders etc. an this is the same reason why my bank XXXX gave them the info because it caused my bank account to get hacked into after having a joint account an the money is still not accounted for.