23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 My identity was stolen when my wallet was stolen with my social security card in it. However this letter accuses me of owing XXXX money when it is impossible for me to owe money for pay-pal, when I have not attempted any credit at all with any company and XXXX said they would not send email to anyone through 3rd party. I told them I was reporting them and think I attempted to start a report but did not finish. I was sent another email this time saying they are official. I told them my identity was stolen and they continued to harass me and possible have put on my credit report and I am trying to get a house. 
Please help. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I have been repeatedly contacted by a company by the name of Phoenix Financial Services LLC in XXXX, IN. This company is requesting that I pay them {$1000.00} for XXXX XXXX XXXX XXXX XXXX. I have no idea where this bill is from or if it is being billed to the wrong person. I have tried disputing this claim with XXXX  but had no success and have even tried to review my records to see where this bill could have possibly come from. I have always been good with paying bills that I do owe, but I can not give away my money to a company I do not know and don't even know why they are requesting the money. I have never done business with Phoenix Financial Services LLC or XXXX XXXX XXXX XXXX XXXX before and therefore I feel that I should not have to pay them anything. This bill is negatively affecting my credit and I need something to be done about this as soon as possible. They keep offering me deals to pay it off but I won't pay any money to a company I have never heard of. Either this charge is fraudulent or simply incorrect and I just need it removed from my name.
Product: Credit card or prepaid card

This is in regards to my Comenity credit card for Victoria 's Secret. My payment due date is the XXXX of every month. On XX/XX/XXXX, XXXX I paid the balance of my victoria 's secret credit card off {$170.00}. This reflected a {$0.00} balance. I had no intention of using this card for at least another 4-6 months. Apparently they started charging me finance fees & late fees for not paying the finance fees on the card that had a {$0.00} balance. I called customer service and she explained it was " residual finance charges '' on the {$170.00}. She would be willing to wave one of the late fees as a one time courtesy. ( {$7.00} ), and then conveniently the call was disconnected. This is completely fraudulent and misleading. I paid the full amount of XXXX 3 days prior to it being due. I should not have to check monthly if they want to charge me finance charges after the full amount was paid.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1611 is a US Code section that establishes criminal penalties for intentionally and knowingly violating credit reporting laws.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..

American Convention on Human Rights : Article 21 of the American Convention on Human Rights states that no one should be deprived of their property or social interest without just cause. It also prohibits usury and other forms of exploitation.
Product: Checking or savings account

XX/XX/2022 my phone was hacked into and a unauthorized transaction of XXXX $ was transferred from my credit builder to my checking account and then sent to someone I do not know and have never heard of before. As soon as that transaction took my hard earned money from me and my XXXX kids, I contacted my bank and filed a dispute. They claimed to have not found any errors and refuse to refund me XXXX XXXX I requested a rebuttal to reopen my case and they instantly replied and still refused to refund my XXXX XXXX My rent and car note payments are coming up, my kids are only XXXX, XXXX, and XXXX and I cant provide for them due to my funds being taken from me. Please help me and my family get my refund back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the XXXX or Transunion or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on death ears and blind eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), Chapter XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXXXXXX XXXX XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( misspelling of my name )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, Transunion, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Product: Mortgage

I have contacted Right Path Service in XXXX to request my PMI be removed, I was told my account was not current, I immediately made a payment to bring account current because they are holding funds unapplied accounts for no reason, after bringing my account current, I requested again in XXXX to remove my PMI insurance, this company refused to honor my request, as I am eligible and my home had the require equity to remove PMI Insurance, this is not fair, these companies are making money off struggling homeowners, also, I am seeing other related charges on my statements : broker price option, is this illegal to keep adding extra cost to my mortgage. I have been approved for the XXXX program who makes my mortgage payment of {$1100.00}, and my current payment is {$1000.00}. This company is holding these funds in unapplied accounts and not applying to my mortgage. Please help me resolve this issue ASAP as the PMI Insurance needs to be removed ASAP. 

Thank you
Product: Debt collection

XXXX Invoice was recoded and resubmitted to XXXX. Insurance covered 100 % of the invoice, no out of pocket payment. Radius is still reported this debt even though it's been communicated by XXXX that this debt/invoice was paid in full by insurance.
Product: Debt collection

This collection company, Meridian/XXXX Financial Services, held/owned four past debts, that were listed on my credit report as of XX/XX/XXXX. According to a Settlement letter that I received on XX/XX/XXXX, and the Meridian website as of XX/XX/XXXX, they showed I owed a total balance of {$3000.00}. 

A payment was made online on XX/XX/XXXX, for the full amount of {$3000.00} ( plus processing fees ), to clear up all four collection debts. Meridian provided me with a receipt for that payment. The balance on the four accounts should then have all been at zero and the accounts can/should have been removed. 

Instead, on XX/XX/XXXX Meridian/XXXX Financial Services removed two of the collection debts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) but " updated '' the other two accounts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) " confirming '' that I still owed the balance on these other two accounts. 

Meridian/XXXX Financial Services has not contacted me, either by telephone, email, or letter, since I made the payment to explain why they took this action nor to provide me with a " new '' billing statement for these " other two accounts '' that they supposedly verified as still outstanding. 

I contacted the original company that gave Meridian/XXXX Financial Services ( XXXX XXXX XXXX XXXX XXXX ) and they stated Meridian/XXXX  Financial Services only paid them {$2400.00} and did not pay them for the debt that occured in the 2020 year.XXXX XXXX  XXXX stated that as a result I still owed them over {$400.00} for the XXXX debt. 

The behavior of Meridian/XXXX  Financial Services is unprofessional, unethical and borders on criminal. In this time of Covid if a customer struggles, but actually makes an attempt, to clear up a collection account a business should do their part to make the customer whole again instead of trying to take advantage of them. 

Copies of the Settlement letter, payment receipts, and a list of the four past outstanding collection accounts can be provided on request.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away 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 XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXXbut got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.
Product: Debt collection

I was sued by capitol one for XXXX they sold it to XXXX who took me to court i was not notified they are garnishing my wages for XXXX every week money comes out of my check I have already paid XXXX on my credit report they keep reporting derogatory remarks my name and social is in the dark web and I am stuck paying this money that I don't owe
Product: Credit reporting or other personal consumer reports

This Complaint is being filed due to Experian not processing or verifying the previous disputed account information and now enlighten of the Recent Lawsuit with the Consumer Financial Protection Bureau ( CFPB ) And Experian it makes great sense, I didn't receive an accurate response from Experian or the Creditor Under the FCRA 605 B Experian now ahs Only days to Remove this incorrect information. 

Here is the previously Disputed account information. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I did not authorize. Specifically car loan inquiries and personal loan inquiries.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX XXXX XXXX ( {$590.00} ) opened XX/XX/XXXX. 
XXXX XXXX XXXX ( {$100.00} ) opened XXXX XXXX, XXXX. 

According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 
I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  # XXXX XXXXXXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX BANK XXXX XXXXXXXX # XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX BANK # XXXX XXXX XXXXXXXX BANK # 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 ( Original Creditor : XXXX XXXX XXXX BANKS XXXX XXXX XXXX XXXX CXXXX XXXX ( Original Creditor : XXXX BANK ) # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX : Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  PXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXx XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX WXXXX 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 XX/XX/XXXX XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Hard Inquiry by XXXX ( XXXX XXXX ) Issue Description : On XX/XX/year>, I visited the XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, intending to apply for a loyalty card. However, due to an error by the store associate, an application for a credit card was submitted in my name without my consent. This resulted in a Hard Inquiry being recorded on my credit report, which I did not authorize. 

This inquiry was initiated by XXXX ( XXXX ) and has negatively impacted my credit score. I never provided permission for this credit check to be conducted. I have repeatedly attempted to contact both XXXX XXXX and XXXX to resolve this issue, but I have not received any response. 


Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX : XXXX Email : XXXX Attachments : XXXX. Screenshot from XXXX XXXX showing the Hard Inquiry ( XXXX ). 
XXXX. Copy of the letter sent to XXXX XXXX. 

Thank you for your attention, and I look forward to a prompt resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Product: Credit reporting or other personal consumer reports

Issue : I have fallen victim to identity theft perpetrated by a fraudster. However, Bank of America ( BAC ) is compounding the situation by severely damaging my FICO score through incorrectly labeling the closure of my credit card as a Unpaid Balance Charge-off.

Requested Resolution : I urge Bank of America to accurately communicate to the credit reporting agencies that my credit card was closed due to fraudulent activity perpetrated by an external party. 

Background : In [ XXXX, XXXX ], an individual identified as XXXX XXXX XXXX approached my family, offering assistance in reducing our debt burden through the XXXX XXXX XXXX program. He requested that we transfer [ {$67000.00} ] to his account. Subsequently, he made several ACH Payments to our Bank of America credit card, only to reverse the transactions and abscond with our funds. On XX/XX/XXXX a claim was raised by us with Bank of America for the investigation of the fraudulent activity. In response to the claim we received a letter from debt collector first source on XX/XX/XXXX. 
Additionally, we have reported this fraudulent activity to law enforcement entities including the XXXX XXXX, CA police ( report no XXXX ).
Product: Credit card or prepaid card

I signed up for the XXXX XXXX from Barclays Bank. The card included an introductory offer of XXXX XXXX XXXX points awarded after a purchase has been made within 90 days and the annual fee has been paid. The terms stated that the award would be posted '' after making your first purchase in the first 90 days and paying the annual fee. '' I made a qualifying purchase within the first 90 days ( on XX/XX/19 ), and paid the annual fee ( as reflected by the zero balance in the XXXX statement ), but the company has refused to honor the rewards offer, stating on the phone that the terms say that the annual fee must be paid within 90 days, and was only paid after that time. However, the terms clearly differentiate between the initial purchase which must be made within the first 90 days, and the annual fee upon which no required time-frame is specified. While initially, customer service representatives from Barclays denied my request for them to approve the claim, ultimately on XX/XX/XXXX, XXXX supervisor did approve the request, stating that many customers have been calling in regarding the issue of ambiguous terms in the reward offer, and that Barclays has decided to honor these request. The representative was quite clear that the points would be reinstated, only adding that it may take one billing cycle for the points to appear. However, I subsequently received a letter from Barclays stating simply that " we are currently unable to assist you with your rewards issue. '' Upon calling customer service, I was informed that the company was denying the request. There was no record of the approval from the supervisor in the conversation on XX/XX/XXXX, although the representative did acknowledge that there was a call at that time and that all calls are recorded. I subsequently initiated another inquiry on XX/XX/XXXX, this time asking that the details of the case be notated - including the conversation with the supervisor on XX/XX/XXXX. I have recently received another communication from Barclays, again stating that " we are currently unable to assist you with your rewards issue, '' with no further explanation given.
Product: Mortgage

I am in XXXX XXXX Bankruptcy, filed XXXX XXXX, XXXX. I tried desperately to avoid Bankruptcy but Citifinancial refused to work with me and continued to inaccurately post my payments, etc. I could not refinance because no matter how much I paid, the balance would not go down, so I did not have enough equity to refinance. So, I had to file in order to keep them from foreclosing. I communicated with CFPB several years in an attempt halt their abusive tactics and practice, to no avail. Please reference the following complaints and responses : XXXX ; XXXX ; XXXX. Their responses were riddled with a lot of untruths, which I did rebut. But the ultimate solution was never received. This brings me to my new complaint. I know that I am not supposed to communicate with them directly, so I am using this venue in order to get their spin on the situation. Just curious to know how far these people will go in using their deceptive tactics to cheat the consumers. 
Citifinancial sent me a letter dated XXXX/XXXX/XXXX, informing me that they had paid my property taxes in the amount of {$1100.00} on XXXX/XXXX/XXXX. They also asked me to contact them to discuss payment. Strangely, the letter was unsigned, but the phone number is a working Citifinancial number because I tried it yesterday. There are several problems with this letter : 1. The bill has not been paid. The taxes are included in my chapter XXXX payment plan. It is now XXXX XXXX and the property taxes still have not been paid. 
2. Citifinancial broke Bankruptcy law by contacting me after my filing date. 
3. Citifinancial suspiciously, neglected to sign the letter. 

I submit that Citifinancial wrote this unsigned letter in an attempt to harass and intimidate me into making payments to them, on a none existent debt ( they lied about paying it ), and they wanted me to make the payments outside of my chapter XXXX plan. Again, they 're using underhanded tactics by not signing the letter so that they can deny sending the letter. 
Could you please help me stop these people harassing me through their abusive tactics used in servicing this predatory. I do n't feel safe from Citifinancial under the protection of my chapter XXXX, even though thy are being paid through the plan. They are bold and corrupt because they continue to fabricate stories and avoid the strong arm of the law with their deceit.