23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear RADIUS GLOBAL SOLUTION, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by RADIUS GLOBAL SOLUTION has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes.

I firmly assert that I have not given consent for RADIUS GLOBAL SOLUTION to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed RADIUS GLOBAL SOLUTION to accountability under both federal and Texas laws.

I am demanding the immediate cessation of any further reporting activity by RADIUS GLOBAL SOLUTION to my credit report. RADIUS GLOBAL SOLUTION must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect RADIUS GLOBAL SOLUTION to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I purchased a XXXX vacuum from a door to door salesperson, XXXX XXXX XXXX ( XXXX XXXX ). She came back about 3 days later to inform me that the vacuum was missing parts and needed repair. She took the vacuum, as a representative of XXXX, and never returned with it. I paid the bill a few months as XXXX had informed me the parts were on order, they were awaiting repair, etc. Once I became unable to reach her I stopped paying. I did also file a police report which the investigating officer discovered XXXX had pawned the vacuum. XXXX is a multiple felon who shouldn't have been canvassing door to door as she was unqualified in my area for a peddlers licence, and this is why. A XXXX XXXX  door to door salesman took advantage of me and stole a product stating she was representing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received strange phone calls from a scammer. Weird address showed up on credit report of XXXX XXXX XXXX, XXXX, CA XXXX. 

This address is fraudelent i notified Experian right away and put fraud alert on my account and froze my credit report. 

EXPERIAN REFUSES TO REMOVE THE FRAUDELENT ADDRESS OF XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card

On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense
Product: Debt collection

On XX/XX/2020 I called Paramount Debt Recovery and spoke to XXXX at extension XXXX, concerning a bill and she acted as if she didn't wan na hear anything that I had to say and I was just trying to explain to her about the debt not being mine, it is my medical bill, but the insurance company is responsible for the bill because of my husband being XXXX and retired and this outstanding bill of {$2000.00} should be taken care of because I already disputed the bill with XXXX and Paramount Debt Recovery and also paperwork was forwarded over to them.
Product: Mortgage

MyLoan # XXXX With Wells Fargo In XXXX Wells Fargo Had Discriminated Against Me From Over Draft Fees And Wouldnt Let Me Refinance My Mortgage Loan. I Went To XXXX XXXX XXXX XXXX XXXX XXXX Ga. I Was Approved For A Cheaper Mortgage Wells Fargo Denied Me Twice So I Contacted Wells Fargo In XXXX XXXX South Carolina. The Young Man Was Very Rude And Told Me If I Couldnt Afford The Mortgage Get Out And Slammed The Phone Down. I Called Back The Mortgage Reduction Department Everyone I Spoke To Was Just Rude. XXXX I Moved Out They Put Foreclosure On My Report XXXX Wells Fargo Removed The Foreclosure Off My Credit Report. That When They Were Paying Out The Lawsuit From Discriminating Against XXXX Americans. No One Reached Out To Me About The Lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I closed XXXX account XXXX  when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX  kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, XXXX, and Equifax refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, XXXX, and Equifax are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XX/XX/XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XX/XX/XXXX. Also attached is the current XXXX statement showing that XXXX   waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX   refunded my account in XX/XX/XXXX and then charged back in XX/XX/XXXX showing how dangerous leaving this account open is to consumers. XXXX, XXXX, and Equifax dispute results are additionally attached.
Product: Debt collection

XX/XX/year>, at XXXXXXXX XXXX at XXXX County Magistrate Courtroom I had a hearing in regards to an illegal Dispossessory Proceeding filed by Aldridge PIte LLCs Attorney XXXX XXXX XXXX. During this hearing, I was provided with a Deed that reads Aldridge Pite LLP as the Real Estate Owned ( REO ) Property owner. This Deed was newly added and the previous Deed information has now been removed and replaced. I stated that the information was new and had not been provided to me previously, however, my concerns were ignored, and an eviction was granted giving me 7 days to vacate the property. 

After the hearing, I went to the XXXX Court to try and get an understanding of the changes made in the recordings. I had spoken to the Clerk on duty about the replaced documents previously before the changes. The Clerk could not confirm these changes but by conversation, it is clear the documents were removed and changed. 

I attempted to contact the Clerk of the Court XXXX XXXX XXXX who oversees both Magistrate and Superior Court to get an understanding of why I am unable to see or find previous e-filed documents that I received notification from the Filing Activity Notification System ( F.A.N.S ) on XX/XX/year>, but my calls go unanswered. 

It was found through dispute the money requested from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX was not owed. Aldridge Pite LLP has received my Deed illegally. 

I am in touch with a representative at the XXXX XXXX XXXX XXXX email XXXX who states that the organization is a trader of Trust and not a regulator of mortgages. I explained that I am unable to get in contact with the supposed servicer XXXX XXXX XXXX or representative Aldridge Pite LLP. The representative stated that they would forward my concerns to XXXX XXXX XXXX in an attempt to get XXXX XXXX XXXX to respond to my concerns. 

My next step is to contact XXXX XXXX XXXXXXXX XXXX XXXX in regard to a Limited Power Of Attorney drafted and recorded by XXXX XXXX XXXX XXXX book 13750 page 259 that was obtained XX/XX/year> and recorded XX/XX/year> only after the supposed foreclosure on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered some strange, inaccurate accounts on my credit report, and Im baffled as to why. Checking my report is routine for me, but this time, there were errors that came out of nowhere. I even tried refreshing my browser to rule out a glitch, yet the incorrect accounts persisted. Im asking for a careful examination of the documents I've provided to ensure this issue is resolved once and for all.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees. I have occurred, 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
Product: Prepaid card

Equifax sent me a prepaid card after the original claim lawsuit has been settled was buried in my email and would did not realize it was there I got another notification day before yesterday in telling me that I had yet another prepaid card that was left over money that they could send to me I tried to activate the original prepaid card and extremely hard time with it those sites did not work the information wasn't on the screen long enough to get to write it down and you can't find it again I finally got a balance on some card and it said XXXX there's no money on it I don't understand what their problem is Equifax seems like you're trying to XXXX us around so much for people just give up and they can keep their money
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  number XXXX payment late XX/XX/year>. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I have been receiving numerous calls a day from this company ( XXXX XXXX XXXX ). I understand the law states a debt collector is allowed to call 7 times over a span of 7 days, however, I am receiving XXXX to XXXX phone calls every day of the working week. The company is also calling my wife, who is not on the contract, numerous times a day during the work week. I am not sure how they obtained my wife 's number and the phone calls are affecting both of us at work. I have screenshots to prove the excessive phone calls. The payment they are seeking was not even 30 days late!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2023 and i told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also i have attached the letter i sent out here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Dept of EDXXXX # XXXX ( should be showing never paid late ) XXXX. Dept of EDXXXX # XXXX should be showing never paid late 3. Dept of EDXXXX # XXXX should be showing never paid late 4. Dept of EDXXXX # XXXX should be showing never paid late 5. Dept of EDXXXX # XXXX should be showing never paid late According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. also every piece of information on these accounts are still not reporting 100 % accurate and according to FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for its failure to conduct a thorough investigation into inaccurate items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I diligently submitted a dispute letter to TransUnion via XXXX certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took great care to include a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. Despite these efforts, TransUnion refused to conduct their investigation. 

Subsequently, I received a response from TransUnion, dated XX/XX/2024, which stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable as it fails to acknowledge the substance of my dispute and disregards the evidence provided. 

TransUnion 's failure to conduct a reasonable reinvestigation into the disputed items on my credit report is a direct violation of my consumer rights under the FCRA. As per the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. 

Enclosed, you will find a copy of the dispute letter I sent to TransUnion, along with proof of XXXX certified mail delivery and TransUnion 's subsequent response. This documentation serves as irrefutable evidence of my efforts to rectify inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account. 

On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
Product: Credit reporting or other personal consumer reports

Reporting on XXXX XXXX XXXX  - Inquiry Date : XX/XX/year>, amount {$1700.00} According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX, do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher or information to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

Please validate this information with this company and provide me with copies of any document action associated with these accounts bearing my wet signature, authorizing an inquiring in the absence of such documentation bearing my wet signature, I formally request that these fraudulent inquiries be immediately deleted from the credit report file that you maintain under my Social Security Number you have on record per the Fair Credit Reporting Act Section 611
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was in forbearance XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not late and I want late notices removed.
Product: Consumer Loan

I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts.
Product: Checking or savings account

On XX/XX/2023, Chime notified my via email that both my checking and savings account were closed because of a breach in their policy and suspected fraud. I was advised that this could be resolved by sending the requested documents validating my identity. I provided this to them via email. I called them also and was told that I would receive my closure check ( remaining balance {$2000.00} ) within 30 days of my account being closed. I reached out to Chime multiple times for an update of my account status/closure check being mailed. I received the same info with different reps telling that their support/detail/back office team would correspond with me ( within 12-48 hours ) via email once they viewed my documents. I also resent my documents via email a few more times as well as calling Chime customer service. Up until this date I have not received my closure check or had my account reopened upon sending them valid documents. No one have not contacted me regarding this matter by phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Experian, XXXX and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.
Product: Debt collection

Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now XXXX XXXX XXXX and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX properties and XXXX regarding XXXX, who they first turned it over to.
Product: Credit reporting or other personal consumer reports

Experian is reporting a non existing item ( Bankruptcy ) to my consumer report that they are claiming is verified when the furnisher ( XXXX ) has conducted an investigation after i disputed the item and they deleted and removed the item ( see attachments ). Furthermore, i never gave permissible purpose to furnish any negative item to my consumer report much less an item that can not be actively verified. I have disputed several times with Experian yet they continue to reflect this inaccurate item which is directed violation of my rights as a consumer. This suggests willful non compliance after my request for maximum accuracy. This inaccurate reporting of this item has caused a severe damage to my credit worthiness. Delete and remove this item ( Bankruptcy ) from my consumer report.
Product: Credit reporting or other personal consumer reports

Ive called and they are telling me there is. No information with my name birthdate or social on file and they cant help remove inquiries