23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint against Radius Global Solutions for attempting to collect a debt that does not belong to me. 

On XX/XX/2021, I received a notification from XXXX, XXXX, and XXXX  stating a collection for {$230.00} was reported to my credit report by Radius Global Solutions. This debt was reported to my credit report in error. I do not haveany collections with Radius Global Solutions. Furthermore, I have never received any correspondences, written or verbal from Radius Global Solutions informing me of the debt. 

Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request Radius Global Solutions remove the collection from my credit report for all three credit bureaus, XXXX, XXXX, and XXXX  as this debt is invalid and does not belong to me.
Product: Payday loan, title loan, or personal loan

I initially attempted to apply for a personal loan for me and my wife through Avant. We submitted information under her name since Avant did not allow joint applications, and when we got to the end of the application it was asking to verify banking information. We attempted several times to verify the information to finalize the loan but we were getting error reports form the Avant website, and was eventually informed they could not process the request. This all started on XX/XX/XXXX. At this point we moved on to another company for our lending needs since the Avant website informed us they could not process our loan. on XX/XX/XXXX I got an email stating my loan had been approved through Avant and on XX/XX/XXXX {$9400.00} had been deposited to my checking account. I did not have time between XX/XX/XXXX and XX/XX/XXXX to stop the loan since I hadn't even checked me email that day due to personal things going on. I immediately submitted payment for the entire deposited amount on the same day, XX/XX/XXXX, and sent a request to Avant to cancel and/or refund the remaining fees that were about {$1000.00} since this loan was finalized by an error on their website. Over the next several weeks I had been in communication with Avant and they continued to tell me that the terms were clearly stated when I signed up for the loan and that I was responsible for the remaining pay-off amount despite the technical error on their part. There was a period of greater than one week between one request I made and their response. They made no attempt to rectify this issue, but only to point blame at me because of the terms I agreed to. I explained multiple times that I knew the terms and I was more than happy to move forward until their website informed me that they could not move forward with my request. I was simply seeking the remaining amount due on my loan be removed, even after I have already made a payment of over {$400.00} for nothing. I do not feel I should be out almost {$1000.00} dollars as a consumer for a technical error on a companies website. I received my final communication from them was on XX/XX/XXXX stating that again the terms of the loan were clear and that it was my responsibility to pay off all the fees associated with the loan even though it was a technical error and returned the deposited funds the same day from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX-Account Number XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX
Product: Credit reporting or other personal consumer reports

Multiple accounts still show up that were supposed to be removed a long time ago
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX we have been on time since XX/XX/XXXX we got in to a dispute over the car not being fixed correctly never was told it still had manufacturing warranty on it it still anti have bank statements to prove we have paid more I argued with XXXX there XXXX XXXX XXXX I had to threaten civil action just to get reciepts to check with bank statements then when I did that they took my on time payements off the credit reports without a explanation I called the companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX the sale was for XXXX the payment is down to XXXX we have paid over XXXX this proves we paid on time plus more so I disputed to TransUnion XXXX also they said there is no explanation stateing why this happened its was just a act of revenge trying to hurt credit score which caused me a lot damage when my credit was finally getting better then XXXX XXXX XXXX XXXX XXXX XXXX pulled this stunt they did not do what was promised to report to credit report like they were supposed to
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with XXXX and Trans Union regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX XXXX 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.
Product: Vehicle loan or lease

After numerous attempts to work with Wells Fargo, they repossessed the vehicle and bullied me into having to pay them a balance after the vehicle was repossessed and sold. This happened in either XXXX or XXXX and I am uncertain as to the exact amount but Wells Fargo should have some record of this incident.
Product: Credit reporting

I spoke to several representatives in the office of consumer affairs dept of Equifax numerous times. The reason i needed to contact that dept is because they have my credit file locked so i ca n't view my file on any  3rd party cr edit monitoring sites (  XXXX ,  XXXX ,  XXXX  ). everytime i contact this dept i am kept getting the same respon se ( its for my protection to block your credit file ). I ask   XXXX   XXXX   ( lik e the month ) at the equifax office of consumer affairs what is the options for me to view my fico score and credit report. She informed me that the only way for me to view my file and fico score was to purchase their credit monitoring service a t  XXXX /month. I feel like i a m being LIED TO!   XXXX   XXXX    WAS VE RY   XXXX  ON  THE PHONE CALL, THE CALL WAS RECORDED SO IM SURE WE COULD GET THE RECORDING OF THE CALL. I WANT MY CREDIT FILE UNLOCKED SO I COULD VIEW MY REPORT PLEASE!!!!!!!! THIS IS NON SENSE AND VERY UNPROFESSIONAL ... ..  <P/> I WANT TO VIEW MY FICO SCORE AND FILE AT MY REQUEST NOT EQUIFAX REQUEST .... THANK YOU!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have several pieces of incorrect information reporting on my credit reports. I would like to have this information corrected and/or deleted so that it can stop negatively affecting my credit score. On my XXXX  report there shows a XXXX XXXX XXXX account which is reporting as a repossession, however, the car was never repossessed. It is also showing that after the alleged repossession the account was then paid on time for six months. However, my Equifax report is reporting correctly in that it was paid and closed as of XX/XX/2014. This account should be removed from my XXXX  report for this inaccuracy and for the damage they have caused me over the last almost 7 years or even better to correct the account status to reflect paid as agreed and never late. My credit report also shows a collection account for XXXX XXXX. I never opened an account with this company and they have not provided me with any proof that I owe this debt. This account should be completely removed for being invalid. My report also shows an account with XXXX XXXX. I do not owe this account. I have requested documentation from XXXX to validate this debt and although they have sent me letters stating that they have received my request they too have not provided any evidence that I owe the debt. This account should be completely removed for being invalid. And finally Equifax is reporting a debt from XXXX for {$19000.00}. This account is more than XXXX years old and should also be removed from my credit report for being past the statute of limitations. In addition, XXXX  and Equifax are reporting inquiries that I never authorized and/or that do not have permissible purpose. I have attempted to contact the corresponding companies, however, they have not taken corrective action on my credit report. I am requesting the bureaus help in having this information removed from my credit report. Lastly, my reports show an address that is associated to a business address not my personal address and I would like to have all references of this address removed from my personal credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit card or prepaid card

I have an old Bank of America account listed as a charge off on my credit report. This account is very old and is past the 7 year mark for it to appear on my credit report. This company also can not verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last XXXX digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! XXXX of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have been disputing the fraudulent accounts on my credit report with Equifax. The other two bureaus, XXXX and XXXX, corrected the errors and deleted all the fraudulent accounts, many of which were likely opened while I was incarcerated. Although I provided copies of the respective City of XXXX police report and Federal Trade Commission reports, Equifax has still failed to delete these items off my report! I sent them proof of everything. I even had sent in documents to show proof of my address, and they locked me out of viewing my own credit file! When I called to check the status of the dispute, I answered the verification questions with the knowledge of what was being reported on my credit file, and they informed me that I didn't pass verification! 

I was repeatedly asked to send in proof of ID and address, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, although I had already provided such information and it was on file. They also continued to add new fraud alerts each time I disputed the fraudulent accounts, although I did not ask for nor need a fraud alert because I am applying for a mortgage. Yet although fraud alerts were added, ironically, the fraudulent information and accounts were not deleted. It is very likely that my credit file was compromised by Equifax themselves, although I may never know. 

Almost everyone I have spoken with at Equifax has been very rude to me, not understanding my requests. Many of them have a XXXX XXXX accent, and once I faxed in a request for them to NOT add a fraud alert on my file, and they added one anyway, and alerted the other two bureaus to add one. I have had to continually submit documents month after month, attempting to lift the fraud alerts. This is keeping me from working on rebuilding my credit, which was compromised to begin with. 

I am beyond frustrated. I ask that you compel Equifax to immediately delete the fraudulent accounts from my credit file. I have all necessary documentation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months ive been trying to figure out who this company is reporting on my credit file, this report is being reported as a collections item! But with no info of the reportying creditor! Zero info on this account, and they keep reporting it as being verified but dont tell me who its with, or who they verify it with!
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Inaccurate information on Credit Reports To resolve my complaint with XXXX Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX  XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX Portfolio Recovery Associates is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts. 

On XXXX XXXX - XXXX Credit Report ( XXXX Score XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX XXXX original creditor XXXX XXXX XXXX XXXX$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX Portfolio Recovery Associates removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX Score XXXX ) XX/XX/XXXX XXXX, XXXX Portfolio Recovery Associates original creditor XXXX XXXXXXXX XXXX collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX credit card credit limit {$300.00} was paid on time with no past due amount. XXXX XXXX original creditor XXXX XXXX XXXX  date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. 36 Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( Case No. XXXX ), and they have caused significant harm to my creditworthiness and financial opportunities. 
Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on XX/XX/year>, Experian, has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Experians responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process.

Continued Reporting of Inaccurate Information Experian continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report.

Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ).

Reimbursement of legal fees and costs incurred in addressing this matter. 
Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.
Product: Debt collection

Todays date is XX/XX/. After talking to a person on Comenity Bank The person transferred me to a supervisor. So, I spoke to him, and immediately he called me back on a number that was block on my phone and then he costarted to talk, start to curse and threaten violence. I think I should take this to the authorities. Right after I told the company to stop sending harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Equifax dropped 72 points in one week on XX/XX/2020 for no reason whatsoever. I checked my scores on XXXX and XXXX  is fine and Equifax dropped an astronomical amount of points!! I called Equifax and emailed XXXX XXXX and both companies are pointing the finger at each other and no one can help me.
Product: Payday loan

I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.
Product: Debt collection

This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report XXXX XXXX XXXX XXXX XXXX from when it became past due. NCA purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off. 
I am requesting for this account to be removed completely.
Product: Credit card or prepaid card

I made a call on XXXX to request a goodwill adjustment to my credit report for two late payments due to XXXX related issues only to have XXXX, Amex Rep, tell me over the phone that American Express will not do that. Unfortunately, this is a bold face lie as the company has worked with thousands of customers to make goodwill adjustments on payment related issues.