23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company in question : Radius Global Solutions ( radiusgs.com ) Debt : Medical debt from XXXX Amount : {$130.00} Details : On or about XX/XX/2022, a {$130.00} collection was posted to my credit reports from Radius Global Solutions. I had never been notified by Radius Global Solutions or the originator of the debt, XXXX, and was unaware there was an outstanding debt. 

On XX/XX/2022, I called Radius and sent their Disputes department an email attempting to pay the debt and remove the collection from my credit reports. I never heard back. 

On XX/XX/2022, I called Radius again and sent their Disputes department another email attempting to pay the debt and remove the collection from my credit reports. I still have not heard back from Radius.
Product: Credit card or prepaid card

I emailed XXXX XXXX XXXX on XX/XX/XXXX about a duplicate payment deducted from my XXXX account in XX/XX/XXXX. XXXX XXXX XXXX responded with a message to me on XX/XX/XXXX, stating that the balance due on my XXXX account is {$18.00} on the due date XX/XX/XXXX and I still have to make a payment. I then contacted XXXX XXXX XXXX and spoke to two Customer Care Representatives. Both XXXX XXXX and XXXX XXXX explained to me, that I scheduled pre payments with another representative on XX/XX/XXXX to  deduct {$10.00} from my XXXX account on the XXXX of every month ; XX/XX/XXXX- XX/XX/XXXX. I then informed the representatives, that they should have paid more attention, for I made a payment in person at the XXXX XXXX XXXX store on XX/XX/XXXX in the amount of {$10.00}. Both representatives did say that they saw the payment being received on that day. However, they are not able to reverse the payment deducted from my account to their system. I then stated to the representatives that this is an unauthorized charge without me knowing until after the payment was done. I requested a refund back to my XXXX account and the representatives refused to honor my request.
Product: Credit reporting or other personal consumer reports

You are breaking multiple laws in regard to my consumer report. 





The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the XXXX XXXX has set forth.
Product: Vehicle loan or lease

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on USAA FSB. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. USAA FSB XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXXXXXX XXXX XXXXXXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, Transworld Systems Inc. bal. {$340.00}. 

Thanks for your prompt attention to this matter.
Product: Vehicle loan or lease

In XX/XX/2016 I purchased a car from XXXX XXXX XXXX in XXXX, Ne. I had a pre approved loan thru a lender and found an advertisement with XXXX XXXX for a car that fell with in the budget and stated no money down. When I got to the dealership, test drove the car, liked the car, went into the office to submit the paperwork for it, My sales rep comes back a few minutes later and says my lender wont approve the car because it had a " lemon '' title attached to it. He offers to try some of their lenders and see if he can get me approved for more money so i can look at other cars. I found another car and by then they get a response that I was approved by another lender. My sales rep tells me he found a lender willing to give me a loan but under one condition, they would only approve me if i bought the extended warranty contract. Fast Forward 4 years later the subject of extended warranty contracts being used as a tactic to get more money out of lenders comes up and I decide to call my auto lender ( XXXX XXXX XXXX XXXX ) The representative told me that they do not require such a thing, they are not aware of the conditions of the contract drawn up by the dealership for the sale of the car, they just send the requested amount. 
the bottom line here is that XXXX XXXX 's sales rep flat out lied about having to purchase that warranty. That was an extra {$2600.00} tacked on to my cost of that car. I still have 2 years left to pay for that car. i will end up paying just over {$25000.00} for a car that was only 2 years old at the time that had a sticker price of {$13000.00} all because of a lie. 
I consider that fraud. Fraud for lying that it was required to purchase when it wasn't, fraud because they used the fraudulent charge to make up the difference for " no money down. Cant imagine how many other people they have made money off of using this tactic.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA this creditor has validated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USD 1681 section 604 a section 2 It also states that a consumer reported agency can not furnish an account without my written instructions. under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want XXXX to delete this information and to be accountable for their illegal actions.
Product: Checking or savings account

XX/XX/XXXX - Open an account at Chase - XXXX XXXX XXXX XXXX XXXX XXXX, NY. Told an account opening bonus of {$100.00} would be applied to the account. 
XX/XX/XXXX - Head into Chase Bank XXXX with other account issues, ask about the account opening bonus, XXXX XXXX tells me the account has no active coupon, but it would be taken care of. 
XXXX Call Chase Bank XXXX XXXX told XXXX was " in a meeting '' and to expect a call back as soon as he is done ( receive no call back ) XX/XX/XXXX - Call Chase Bank XXXX again was told XXXX would busy and would give me a call back when he was done XX/XX/XXXX - Call XXXX direct office number leave a voice mail and get no response XXXX Call Chase Bank ( customer service line ), they tell me no complaint has ever been opened, and proceed to allegedly open a complaint. Tell me to expect a call back in 2-3 business days. ( No call back ) XX/XX/XXXX - Call Chase Bank ( customer service line ), they tell me no complaint has ever been opened on the matter, allegedly open another complaint ( refuse to give me anything in writing saying a complaint has been made ). I was told there was nothing I could do to investigate or resolve this issue other than wait and pray for a call.
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquiry from CBNA. From XX/XX/year>. I am not aware of this at all. I tried to call the number it has stated as well as gotten transferred/given different numbers to solve this issue. I have not gotten any luck. I believe this is fraud.
Product: Debt collection

Please see attached documentations for this ongoing dispute of over 3 months with XXXX XXXX, and Their Financial Representative XXXX XXXX. Their adverse actions have disrupted my membership, and could potentially prohibit my future use of the facilities, or face heafty increased fees.
Product: Debt collection

I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.
Product: Credit reporting or other personal consumer reports

As a consumer, I have listed the concerns about your reporting in my last two dispute letters sent to TransUnion. I sent TransUnion my first dispute letter which on XX/XX/2023, via certified mail, and the second dispute letter was sent to TransUnion on XX/XX/2023, also via certified mail. My credit report is not complete nor accurate and TransUnion has failed to meet applicable standards according to the law that they are required to adhere to by for both FCRAs as well as Metro 2 compliance. My rights are being violated and I am aware that TransUnion has been sending out form letters in response to my letters which is illegal and also they have completely ignored all Information that I have requested. I have no choice but to invoice TransUnion for violating my consumer rights and for personal damages incurred.TransUnion is in direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance amongst others that are listed in the invoice attached. I will be sending them a notarized affidavit along with an attorney general complaint.
Product: Mortgage

PHH is attempting to foreclose on my property using a robo fraudulent assignment. The loan was originated by XXXXXXXX XXXX XXXX this company was found guilty of mortgage fraud during the time that this loan was originated. This loan was securitize fraudulent. The alleged vise President XXXX XXXX was not the Vise President shes a well known robo signer. 
PHH is also guilty of dual tracking on XXXX XXXX XX/XX/year> they generated and mailed a partial claim which did not reach me until reach me until XX/XX/year> This in response to my request for loan modification.The XXXX  was never acknowledged. I mailed a complete application for assistance form their website XX/XX/XXXX. 3 day before receiving the partial claim.. I dispute the balance and asked for proof of debt all at same time of inquiring about the loan modification package but instead they didnt respond to any of the concerns I had nor would they provide any assistance to help. 
They had a completed loan modification package in their office but instead of working with me they referred my loan to foreclosure. That is considered dual tracking. I am XXXX XXXX XXXX and they are trying to foreclosure on my home because the equity that I have in my house. 
The originator of this loan was found guilty of mortgage fraud and this loan was also apart of the XXXX XXXX  settlement from the Department of Justice and all of the state attorney generals. 
They have not responded to my notice of error, my XXXX  or my request for debt validation They are also foreclosing on a dead person my wifes name is on the house and they didnt notify the estate of the foreclosure
Product: Debt collection

I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 16a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate ''.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

In XX/XX/2017 I placed an order online with XXXX for a XXXX pair of boots. The boots were sent to our new address but we never received any billing even though we gave XXXX the information during the order. We are applying for a mortgage and were told that this account had a dramatic effect on my score. In 39 years I have never had any bad debt or issues with paying on time. In fact we have always been tier 1 with no issues. I did contact XXXX multiple times and was told I cant talk to anyone in the department handling the issue and would have to wait until they get to it. The account was paid in full and XXXX removed all late fees associated with the bill. My score seems to have been drastically reduced by this issue and now as we are applying for a mortgage has an affect on our ability to get the best rate. I need to have the scores redone to show this issue was resolved and have my score amended. What can be done to have this issue resolved so as not to affect my mortgage. I cant understand how a XXXX invoice can have that large of an affect on tens of thousands we pay on time yearly. I thanks you for your help in this matter.
Product: Debt collection

On XX/XX/XXXX after reviewing a copy of my credit reports, I wrote to Convergent Outsourcing Inc. regarding the reported account. I asked for documentation of the debt including but not limited to any contracts or agreements with my wet signature. I further requested Proof of their authority to collect the debt and proof of contractual relationship between Convergent and the original creditor XXXX which makes them an agency entitled to enforce a commercial claim against me, On XX/XX/XXXX, I received a response letter dated XX/XX/XXXX with no proof of anything! They attached a copy of the final XXXX XXXX due XX/XX/XXXX and a form of all the States they are either licensed in or have pending licenses to collect debts. 

They failed to provide any proof/documentation I requested such as a contract to substantiate their right to pursue this claim or a certified copy of an original contract with my wet signature.
Product: Credit card

I made a purchase at Target in store XXXX Ohio. 
The items were on sale 2 / {$8.00} so I purchased 4 total to equal {$16.00} I was charged {$20.00}. 

Over charged {$4.00}. 

I did call customer service when I noticed last month. I was told wait until posted on my bill and dispute. 
Today I reached out trying to do just that but was put through a second verification. 
I declined after being verified by automated and then one live agent. A third verification was a little much. 

I didnt return to the XXXX Store it was 40 miles away from my house.
Product: Credit reporting or other personal consumer reports

They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from XXXX  XXXX in XXXX XXXX California I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated. 
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: Vehicle loan or lease

During the week of XX/XX/XXXX, I called and requested that we come up with a settlement offer so that I can close the account. I was initially given 20 % which I declined because that was a low offer. 

On XX/XX/XXXX, I called back because I hadn't heard anything only to be told, they denied it for no reason and gave a me a counter offer of XXXX. While initially I denied it, I chose to accept the offer in efforts to close this account and move on timely. This offer was approved by the manager I spoke with over the phone. When I asked for some sort of documentation, he said it was coming in less than 72 hours. 

It is now XX/XX/XXXX, more than 72 hours later, and I have not gotten any information. In my attempts to call, I am only given the same information over and over with no solution to move things forward. 

I have the {$21000.00} ready, and want to close this account, but they have now started to ignore my please to move forward. Meanwhile, interest is continuing to accrue on the account and while the sell price before I started this was XXXX, its now more than {$25000.00}. Which is an entire car payment! I want out of this company 's reach and I am doing everything I can to rectify this situation and they are not giving me any information or allowing me to move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard credit inquiries from GM financial in XX/XX/2022 for the same loan. XXXX there be just one?
Product: Checking or savings account

THEY CLOSED THE ACCOUNT AND DID NOT GIVE ME MY BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS CREDIT CARD BILLS AND OTHER BILLS IN MY NAME OVER THE YEARS BUT I STOP
Product: Debt collection

Just got extorted for XXXX $ city revenue dept XXXX yrvold waived discharged not owed yesterday told XXXX, $ to get illegally threatening calls debtor threats pay or stay I paid write without prejudice XX/XX/XXXX towed damaged rear end then after that denied pure true accurate ledgers falsified data all the way to the fake hearing sham XXXX XXXX XXXX XXXX where XXXX partnership company liability acts partnership act violations occurred charges as result of bogus tow fees I never received by city streets n sanitation results of computer fraud tampering gross 1692 violations 806 807 violations USC prohibited false communicationcations thru mail n much n bad legal advice intentionally in fact crook judge clerk no master rule filed to practice law,721 act no court compliance much conspiring liee
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
XXXX XXXX Sincerely, these are the accounts XXXX XXXX/account : XXXX XXXX. XXXX XXXX account : XXXX XXXXXXXX XXXX  account : XXXX XXXX XXXX XXXXaccount : XXXX XXXX. XXXX XXXX : XXXX XXXX. Inquiries : 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. Address : this address is not mine ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX