23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rental property owner died, they gave no notice to any of the 200+ tennants, they were pocketing our rent, not fixing any of the maintenance issues, a trust company stepped in to oversee the property without proper notifications, then they asked people to move before the new owners took ownership, and we did..we were told there would be no balance since the property owner had not taken ownership as long as we moved.
Product: Checking or savings account

My account was frozen due to a deposit for a business transaction which a customer supposedly came back later to deny. I called to inquire and was spoken to very rudely. It has been XXXX weeks now and I would like for my account to be unfrozen or my account to be closed and a check mailed to me for the balance of my account. There has never been any evidence of fraudulent activity on my account and I would like my funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
Radius Global Solution is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by Radius Global Solution.

Please be advised that providing a memorandum or other statement from your agency, stating that Radius Global Solution the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Vehicle loan or lease

I brought a XXXXXXXX XXXX XXXX on XX/XX/XXXX but westlake financial seems to have taken advantage of because my interests rates rate is 22.19 % for 72months and that is too much for a XXXX especially a used one. My payments are {$530.00} a month and they claim they can not refinance. This is very frustrating as I do not make much money. My interest rate needs to be lower or I will sue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing XXXX. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX : {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX  : {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

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

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX  is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting or other personal consumer reports

I submitted several disputes and letters to Transunion about 11 fraud/unknown inquiries that's on my credit file, Transunion is refusing to remove these inquiries that i didn't authorized, I have not allowed any company to run my credit file, this has been going on for the past 3 months, they are violating my rights as a consumer, under the FCRA, XXXX have asked them to provide me proof of the investigation and proof of my wet signature of me allowing these companies to see my file, Transunion have refused to send me proof or remove these inquiries,
Product: Credit card

On XX/XX/2023 my Wells Fargo Credit Limit was lowered from {$10000.00} to {$8900.00}. I have been a loyal Wells Fargo Customer for over 8 years and have NEVER missed a payment nor have I ever made a late payment. These past XXXX years have been a struggle financially everywhere and I have still been able to maintain a 100 % on time payment percentage. This 10.5 % drop in my open credit line will drop my credit score drastically. I recently paid nearly {$1000.00} to lower the balance owed and Wells Fargo immediately stripped that away. I monitor my credit score through Wells Fargo and it recently went up so I find this to be an unwarranted drop in my credit line. I am only asking for my credit line to be restored to it's {$10000.00} limit to avoid my credit score going down.
Product: Debt collection

On XX/XX/XXXX me and my daughter paid {$4800.00} to Thomas George Associates for a wreck my daughter has back in XX/XX/XXXX.  XXXX with TGA assured me and my daughter that we would have the original paper work within 2ish weeks. I have called this company many times over the last 5 weeks. Each time I have been given many different answers about this. All of the conversations were recorded also. We still do not have our original paper to take to the state of ohio to remove our security suspension that was placed on not only mine but my daughters license. Here it is over 5 weeks since we paid and still nothing.
Product: Mortgage

Mortgage transferred to PHH Mortgage several years ago XXXX. All had been fine until XXXX of which caused us to fall behind on payments. After a trial modification, we were offered a loan modification of which we did not agree to the terms. Now, we have a mess. We were approved for a refinance with a different mortgage co. until PHH sent payoff statement showing an interest amount owed which resulted in our payoff being approximately {$110000.00} XX/XX/XXXX and our beginning balance years ago was {$110000.00}. I disputed this payoff amount. PHH is showing on our statements, an interest bearing balance and also a non-interest bearing balance. We were told our payments deferred would be added to the end of the loan, causing us to show current. We are not showing current on PHH statements, but our credit reflects current. When we call out of concern, they assure us all is fine and not to worry. We've requested a transaction history of our entire account multiple times & received but it is so confusing and doesn't involve simple bookkeeping as I was taught and have done for a living daily all of my working career. We can only access history from XX/XX/XXXX forward online. However, when I called on XX/XX/XXXX, I was told a transaction history from XXXX would be mailed to my address. We are being verbally told one thing, our statements reflect different and our credit reporting reflects different & our online account shows different. We want away from PHH Mortgage as it's obvious we will never get our home paid for at this rate. We have sent a payment but they returned it stating they had to in order for us to qualify for assistance. We would receive letters stating we were current & no payment due for 3 months. This is a nightmare which has caused me much distress and XXXX  to the point of a XXXX XXXX case. We never speak with the same person, never told the same thing and always assures us all is fine with our loan. This scares us because I can't prove verbal statements & their paper statements say different from what they say verbally. We feel victims of PHH Mortgage & held hostage from successfully moving to a different mortgage co. who would allow us to accomplish paying our mortgage off within a timely manner. We've had nothing but problems out of them and would like you to investigate our account to rule out any illegal charges added to our account & to make sure they handled posting our payments correctly. It's hard to send someone a payment when they send it back for no reason other than to qualify us for financial assistance. We are frustrated and feel this is a nightmare never ending. Please help us get away from this company. Thank you!
Product: Credit card

On XX/XX/year> I made a purchase online at XXXX. I never received the item. The merchant acknowledge that the items were sent, but were returned to them, but I never received a refund. I filed a dispute for the charge with Wells Fargo for {$360.00}. That is shown in the attached evidence as page XXXX. The merchant also informed Wells Fargo that they have gotten the merchandise back. so there is NO LEGAL REASON that this dispute should be denied. 

On page XXXX of my attachment, Wells Fargo states that they've issued me a refund for {$260.00}, which isn't even the full amount of the dispute. But regardless, on page XXXX of my attachment, you will see where Wells Fargo REVERSED that refund. I was given no valid reason, and no info at all why the full refund wasn't issued, and I was never informed why the partial refund that was applied to my account, was reversed. I have had XXXX  explanation from Wells Fargo. All of my letters to them about this issue have been completely ignored. At this point, I am out {$360.00}, even though the merchant has made it very clear to Wells Fargo that the merchandise was returned to them. This is another example of fraudulent activity by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
Experian, XXXX and XXXX have also violated my right to privacy according to 15USC 1681 ( a ) 4. 
According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act I was never given the opportunity nor told that I had this option, again a violation of my rights. 
1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : 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

XXXX ; XXXX and Transunion are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Pinnical Credit Services. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Mortgage

Filed chapter XXXX to stop a second foreclosure. Paid {$550.00} a month to the trustee for 4 months. The plan was all in place. PHH refused to work with the Chapter XXXX plan so they dismissed my case. And my attorney took off so this did not help me in getting back in to court. What good is filing a chapter XXXX if PHH is not forced to work the plan. So now they want to foreclose on me again. I just received my final report from Bankruptcy.
Product: Checking or savings account

Today on XX/XX/22, I made a series of transactions via XXXX and my mobile banking app with Bank of America. In turn, my card was locked a few times. Each time I called the fraud department and unlocked my card with little to no issue. However, I am out of town purchasing a vehicle and needed to use the ATM to get the rest of my deposit off. When i went to get it unlocked for the XXXX or XXXX time, the representative let me know they were closing my accounts for " fraud ''. I find it hard to accept that final decision due to the fact that all fraud inquires were resolved numerous times by numerous agents today. Now my account is closed, I can no longer bank and I do not have access to my funds. The last representative informed me that BOA could make that decision with no reason at any moment, but how when they originally said it was due to fraud? I resolved all issues with my account before this and i believe it is unfair to have my account closed for this reason. Also, I do not want other banking institutions thinking that I have fraudulent activity associated with any future accounts as well. If I could get this matter resolved it would help a lot.
Product: Student loan

A physical bill was received from MOHELA dated XX/XX/XXXX with a due date of XX/XX/XXXX. The notarized post office post-mark date is not compliant with the 21 day notification per Department of Education guidelines, policy, and federal law. 

Upon review of the physical bill, the amount listed only delineates the principle amount. It does not include, list, or reference the additional interest amount. Upon review of the MOHELA website, my online account does not include, list, indicate, or make any reference to the additional interest on the principle amount. I had to call MOHELA to acquire this information. 

Moreover, MOHELA indicated a XXXX minute wait to speak to a representative during this process. However, it took over XXXX minutes to connect with a representative who proceeded to place me on an additional XXXX minute hold. 

Furthermore, upon request of physical documentation of MOHELA providing notification to all 3 credit bureaus, the representative informed me they were unable to do that, and placed me on an additional hold. 

Cumulatively, this is a violation of the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Consumer Financial Protection Act, 34 CFR 685.220, 34 CFR 685.102, 34 CFR 30.1-30.70, and the Gramm-Leach-Bliley Act of 1999.
Product: Debt collection

This company is illegally attempted to collect a debt, report fraudulent information to the CRAs. I have already submitted this account as fraud due to identity theft.
Product: Checking or savings account

On XX/XX/2023 I received an email from Chime XXXX stating they had conducted a review of my account and found that my account was not in compliance with their deposit account agreement. They stated that they therefore, decided to close my account and that I was ineligible for a refund. I had {$4100.00} in that account that was escrow for my rent. I didn't even so much as have a debit card with them and only used the account for escrow yet they closed my account and could not give an explanation or proof of wrongdoing. I have reached out multiple times in multiple avenues and have always gotten the same generic response word for word. They never gave me a response. I can no longer access my online profile and I am now out of rent money. I have provided a screenshot of another post on the XXXX  site ( one of many ) that have also dealt with this issue. Who is going to protect the consumers from these thieves?
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX  ,  XX/XX/XXXX  a nd  XX/XX/XXXX  .     I have had a  XXXX   Visa ca rd ( " loan account '' ) since   XX/XX/XXXX  that I  paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking ac counts ported over to the   XXXX    website i  n  XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure message   to  XXXX  customer service about making m y Visa paymen t, the response was to mail it, and I was provided an address. I sent  a Bill Pay payme nt from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     O n  XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported m y Visa ac count as 30 days late. The effect of this reporting tanked m y credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Product: Credit card or prepaid card

About the middle of XX/XX/2022 I reported my card lost. The card was cancelled and replaced. I did not activate my card on purpose because I was thinking about not using it any more - instead of mileage get cash back. Before I activated the account they let 7 charges go through. One of the charges involved an account that was doing an automatic pay ( which I did not realize ). My card was not only not activated but they allowed a charge that didn't even have my last credit card number. This is my XXXX XXXX XXXX account with Chase bank. My mail goes to a po box . 
What if an employee took that card ( not activated ) and had a ball charging. I had to negotiate with the anual charger and received a credit of over {$100.00} dollars. 

I contacted customer service and then went to a bank and a bank manager gave me contact numbers and that's how I ended up here.