23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my Equifax credit report is fraudulent, unauthorized and not my hard inquiries : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.
Product: Debt collection

On XX/XX/XXXX she called at XXXX am and XXXX am. 
On XX/XX/XXXX she called XXXXpm XXXXpm & XXXXpm On XX/XX/XXXX she called at XXXX am, XXXX am, XXXX PM, XXXXpm, XXXXpm and XXXX PM. I answered and I asked them to not call back to back and she refused to identify herself. She also said she will continue to call back to back because the sheriff needs to pick up the vehicle. Again she doesn't know who I am, and she isn't calling for me. She then tells me to XXXX the number and she hung up. These are just the latest encounters. They consistently call from their personal numbers and they curse and talk very condescending.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Radius Global Solutions, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Radius Global Solutions, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Radius Global Solutions, LLC., continues its collection efforts, I will file for litigation for actual damages caused and Radius Global Solutions XXXX LLC, shall be liable for violations of TILA, FCRA , GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

Enclosed upload will show the one & only contact with this company. 
contact violates 15 USC 1692g of FDCPA. 
XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 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, on 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 Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. 
Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.
Product: Credit reporting or other personal consumer reports

XXXX lists XXXX XXXX as the source of verifying a Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report. I requested verification of this public record and XXXX claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. XXXX failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of XXXX 's findings and a copy of my XXXX consumer file that shows the date of a security freeze that I placed on my file in XXXX of XXXX  to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that XXXX is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report.
Product: Debt collection

I received a wage garnishment from pressler and pressler. Never received a summons or any paperwork prior to this wage garnishment. Also the amount owed is in question.
Product: Credit reporting or other personal consumer reports

i have sent the required documents to Experian consumer reporting agency to block erroneos information related to identity theft. Experian has says that they are above Federal Law Fair Credit Reporting Act, because of that they can break the law anytime they choose to, Experian says that the CEO will ignore the Consumer Financial Protection Bureau because Experian can laugh at the fines that are imposed on Experian. Experian don't mind paying consumers like me compensation. Experian says that they do not care if the CFPB contact them or not. Experian say that they are above the law.
Product: Credit card or prepaid card

Re : Barclays Aadvantgae Aviator Credit Card Promotion : In early XXXX, 2016 I received a promotional offer via USPS mail ( Offer XXXX ) which required, registration via web or phone and the making of {$2500.00} of net charges each month for six months commencing XX/16. I have the original promotional mailing where I placed a " check '' next to the registration requirement indicating my registration. I subsequently made the required charges for each month commencing in XXXX and ending in XXXX. I was to have received, in addition to the normal perks, XXXX XXXX XXXX miles 6-8 weeks after the promotion ended in XXXX. When the XXXX bonus miles were not paid out, I called Barclays ( more than once ). In my most recent conversation ( XXXX ) I was given a totally different story. The story now was that I their system did not recognize my initial registration and that there would be no pay-out, despite their admission that the offer was, in fact extended and the fact that I met the spending requirements. Barclays has created no registration confirmation process, so I can not produce an email, a text, or a webpage confirm to refute their contention. As a side note, my wife also has the same card, received the same offer, registered as I did, made the required level of purchases and similarly did not receive the bonus miles either.
Product: Payday loan, title loan, or personal loan

XXXX emailed me adverse action letter denying the application stating that they are unable to verify my identity based on the information provided. When they contacted me in an attempt to verify identity, they asked for last four of social security number, address, current employer and phone number. During application process I also uploaded my bank statement and 2 pay stubs. No other attempts to verify my identity were made. Their customer service stated that the information that I have provided does not match consumer report, but would not share what exactly did not match. I pulled up my credit report and offered them to send verification for the information on my credit report that they found not matching. They declined to release what exact information was not matching or accept any other forms of identity. I also asked if adverse action letter listed a correct reason for declining the application and they said that it did. XXXX is treating me unfairly and not providing true information on the reasons for declining the application.
Product: Credit reporting or other personal consumer reports

Despite multiple phone calls and three letters to JP Morgan Chase Bank Credit Card Services ( See three letters attached ), Chase has continued to ignored my requests to correct their misreporting that I am deceased! Both XXXX and XXXX have informed me that Chase Bank continues to tell them I am dead and I have included recent copies of their credit reports as proof of their continual incorrect reporting in violation of my FCRA rights. ( See XXXX and XXXX reports atteched ) .Their continuous refusal or just plain ignorance to correct their ongoing errors has cost me several credit cards, an auto loan, and a home loan ; They have literally destroyed my opportunity to obtaining any credit because, as you're aware, being labelled as deceased prevents me from having a credit score. I am appealing to the CFPB to pressure JP Morgan Chase Credit Cards to do the right thing and stop reporting this misinformation. I have included proof of life in the form of my currect passport, my Social Security card and a recent Utility Bill.
Product: Debt collection

I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
Product: Debt collection

I had a XXXX bill from Sequoia Finance Service for {$340.00} and that bill was paid
Product: Mortgage

I was enrolled in the disaster forvearance program due to be unable to pay my morgage. The progam ended on XX/XX/XXXX. During the period of the forvearance, i started the process for a disaster modification loan. I spoke with a representative in XX/XX/XXXX to check the status and she said that i will receive a letter with info about the amount and next steps. The representative told me that she knew for sure that the due date for my first trial payment of the Disaster modification was XX/XX/XXXX and that it will be less than my current morgage payment. I waited until XX/XX/XXXX, and with fear that i will miss the opportunity for the modification, i made a payment of {$820.00}, being that amount a little bit greater than my current mortgage. I received a letter XX/XX/XXXX stating that I was approved for the loan modification, and that the amount to pay was {$810.00}. I call XX/XX/2018 to confirm the payment that i made online and the representative told me that they had distributed the funds towards XXXX payment. I told the representative that the intent of the payment was for my first trail payment and explain that since a knew the due date but not the amount, that was the reason it was made for {$820.00} instead of {$810.00}. The representative told me that it was ok and he will submit a request so the fund were redirect to the trail payment. I never heard back from them until XX/XX/XXXX when i received a letter stating that my first payment was not received. I call and talk to a representative, and explain to her that i did in fact my my 1st trail payment and was ready to do my 2nd one. She said that they can't accept my 2nd payment because i did not made my first one. She told me that she will submit a request and i should follow up within 25 to 48 hours. I call 48 hours later and explained my situation to the representative, then was transferred, then transferred again until a representative told me that she had spoke with her supervisor and that they will make a request and accept my 2nd trail payment. Received a letter XX/XX/XXXX confirming the payment posted XX/XX/XXXX. XX/XX/XXXX received a call stating that i have not made my 2nd payment. I explained the situation and i was told that the payment iform XX/XX/XXXX was posted as my first  one. I told them this is my 2nd payment. That the first XXXX was for {$820.00} onXX/XX/XXXX, the 2nd one on XX/XX/XXXX and my third i have not done it because is due XX/XX/XXXX. They said that the only thing to do is submit a request for the payment in XX/XX/XXXX. This is been an outgoing problem and every representative is telling me that they will fix it they will fix it that everything is okay when in reality I receiving letters and calls saying that I'm not making my payments. This is not letting me focus in my work and keeps me strees at my home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Debt collection

I was originally with XXXX XXXX  but I switched phone number to a new carrier XXXX XXXX. I was under the impression they contacted XXXX XXXX and handled the account like the advertisement stated which wasnt the case. XXXX XXXX sold my account to Amsher collections. They now have the account as open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/ SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( 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: Mortgage

This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review. 
I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CARD WAS OPEN WITHOUT MY KNOWLEDGE
Product: Consumer Loan

I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXXXXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX  Balance Owed : {$8200.00}.
Product: Debt collection

I am sending this complaint. In reference to a payday loan that was initiated under my name due to identity theft. Apparently someone that has my personal information access this cash thru an app that you download on a mobile device. I have been told by XXXX credit report agency that the original loan amount was {$90.00} and that there is {$79.00} still being reported as owed. I have gave information of my identity theft circumstances to all 3 credit reporting agencies in 2017. This company did NOT protect my identity. This account was open fraudulently. I have attempted to contact them directly to file my dispute, and the contact information provided to me was a telephone number that is disconnected. 
Please contact them at : Possible Financial XXXX XXXX XXXX XXXX, WA XXXX the phone # is XXXX please verify that this number is disconnected and there is NO WAY for me to file a dispute with them directly.