23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company Name : Radius Global Solutions LLC Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Complaint : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Radius Global Solutions LLC regarding their handling of a debt that they claim I owe. I was not given any notification of this debt, nor did I receive any certified letter advising me of my right to dispute the debt. I believe that Radius Global Solutions has violated several consumer protection laws in their collection practices. Details of the Complaint : 1. Failure to Provide Notice of Debt : - According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to send the consumer a written notice within five days after the initial communication, detailing the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt within 30 days. I did not receive such a notice from Radius Global Solutions 2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : - Radius Global Solutions has failed to comply with the FDCPA by not providing me with a certified letter informing me of my right to dispute the debt. This is a direct violation of my rights under the FDCPA.

3. Possible Violations of the Fair Credit Reporting Act ( FCRA ) : - The FCRA, 15 U.S.C. 1681, mandates that debt collectors must report accurate information to credit reporting agencies. Since I was not aware of this debt and was not given an opportunity to dispute it, any negative reporting by Radius Global Solutions on my credit report would be inaccurate and a violation of the FCRA.

4. Violation of the Fair Credit Billing Act ( FCBA ) : - The FCBA, 15 U.S.C. 1666, ensures the right of consumers to dispute billing errors, including unauthorized charges. Without proper notification of the debt, I was deprived of my right to dispute the debt under the FCBA.

Relevant Lawsuits : - Radius Global Solutions has faced several lawsuits for similar violations. For instance, in " Smith v. Radius Global Solutions LLC, '' the plaintiff alleged that Radius Global Solutions failed to provide proper validation of debt and engaged in unlawful collection practices. This case, among others, highlights a pattern of behavior that violates consumer rights and supports my complaint.
Product: Debt or credit management

Today XX/XX/XXXX, I received a phone call from XXXX with Radius Global solutions, and he said he was a debt collector and was attempting to settle a debt from XXXX XXXX for the amount of {$1400.00}. So, i asked him for the information and i wanted to see the contract and also where i signed giving consent to give my personal information away. He was extremely rude and said he was going to send it to the credit bureaus stating that i had no intent on taking care of my debt. I stated to him that he was falsifying my account with something i never said and that was illegal of him to do that. I then asked him if i could dispute this since the amount was incorrect and told me he would send me the information and I have not received anything. 
I am XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX. I haven't used XXXX since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports Update the late payments to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Last XXXX XXXX To whom it may concern, I, Your Name, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( 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. 
As a consumer, I am demanding a deletion of the following account : TBOM/ASPIRE XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I was involved in a car accident that resulted in my car being totaled according to the insurance company. At that point, I had only had the car for 2 months and was making on time auto payments through Wells Fargo. I was rear ended in the State of NJ, which by law automatically puts the other driver at fault, and was confirmed by XXXX. XXXX agreed to pay for what they valued the car at and I opened a case with GAP insurance to cover the remainder. This pay out process took months to rectify and all the while I received no communication or updates from anyone, including Wells Fargo. They continued sending statements but there was no indication of what was actually owed. Between XXXX and XXXX I received non stop calls from Wells Fargo claiming they were attempting to collect a debt and when I spoke with them on the phone in XXXX, they claimed GAP did not submit a payment. It was not until I called and spoke with someone at Wells Fargo on XX/XX/2019 that I was informed GAP did make their payment and I owed {$1400.00}. The woman I spoke with was extremely rude and did not attempt to offer me any suggestions to resolve the issue. When I asked to speak to someone else the only option I was provided was to set up a " payment plan '' that would result in an inquiry on my credit report. I felt this option unacceptable considering this entire ordeal has severely impacted my credit already. I then confirmed that there were no other options, to which the rep said no. I requested to speak to a supervisor and he told me she was " unavailable '' and that I should call back. That was the worst customer service I have ever experienced, and considering I work for a bank I did not leave that call feeling at all like a valued customer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My neiman Marcus  account that I had applied for online. I got approved made first purchase, however never recvd Bill. This happened XX/XX/XXXX. Very tough year, working in XXXX. During the midst of all that health issues at home however Bill was never recvd until I got an alert from XXXX XXXX alerting me I have a collection for not paying bill. I had never recvd my bill called neiman Marcus they stated I had chosen online payments when I had applied. I did not I promise and I never recvd any mail or even alerts in that matter thru any emails alerting me about payment. Have been disputing because due to this my credit score has dropped extremely not allowing me to Even apply for a loan. It is very tough times I have XXXX children and one of them has health conditions that I pay high medication costs. Please I need my creditor to do a one time courtesy removal of that late payment please so my score can go up and I can get a loan. This was an honest mistake and I have always been on time with my credit you can check my credit and see. Please help me remove this late payment off my credit report.
Product: Money transfer, virtual currency, or money service

Couldnt link XXXX account with Pnc
Product: Credit card or prepaid card

Citgo Credit Card/Synchrony Bank XXXX Have made prompt payments regularly. Last statement I received was in XXXX. I've been receiving notices through email that I owe a late fee if {$29.00}, but never received statement. Not denying I owe bill, just don't want threats or credit ( which is very good ) ruined because they can't send statements. They claim I have until XX/XX/XXXX to pay or it will go to collections. I spoke with them on XX/XX/XXXX, and they said they'd mail a statement and I'd have it in five days ... .nothing. Got more threats so called again on XX/XX/XXXX, and they said they were sending out another statement and it would be 7-10 days. Still nothing. I mailed a check along with a paid blank statement on XX/XX/XXXX, that I had they sent when showed a XXXX balance a few months ago. Still nothing except another email threat. Called again XX/XX/XXXX, and they said I have until the XXXX  before it goes to collections. I'm tired of the harrassment, possibility of credit damage, and penalties. Please help. I want to keep my good credit rating. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for CITI CARDS to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Product: Payday loan, title loan, or personal loan

Receives career loan on XX/XX/XXXX in the amount if {$2800.00} at 12.5 % interest and still paying this loan today, XX/XX/XXXX, 14 years later with a balance of {$1900.00}. 

I would like this company 's accounting practices investigated because I don't believe that navient is accuratly managing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX XXXX Credit Card : On XX/XX/XXXX I made an online payment of {$130.00} to may credit card account ( I make payments on the XXXX of the month every month usually more than the minimum due without fail ) On XX/XX/XXXX I get an email notice saying my payment is late so I log back into the acct and do not see a payment made so I schedule another payment, On XX/XX/XXXX when I check there is a payment pending for {$130.00} from XX/XX/XXXX and one for {$130.00} on XX/XX/XXXX, called XXXX  XXXX to see if they could reverse a payment since they were both pending and was informed they could not and I would have to call my bank. 
Called my bank ( XXXX ) and because I have been a good customer for years they reversed the payment. 
2 Weeks later I get a notification that my online acct has been " temporarily suspended '' from XXXX  XXXX, I call and they said due to my " payment being returned for NSF '' my online acct was suspended but I could still make payments over the which I have done since. 
Yesterday I receive a credit alert that they have charged my account out to a collections agency because of the double payment they posted and they my bank reversed. 
I am scheduling an appointment with a lawyer and getting a letter from my bank stating the payment was reversed by the bank d/t an error that XXXX XXXXXXXX made in double posting the payment and not removing when I asked. The reversed payment had nothing to do with NSF as there were plenty of funds in my account. 
Also as a last not after the XX/XX/XXXX payments that were double posted I paid my XXXX and XXXX payments over the phone and on time. I have NEVER received any communication whatsoever that my account was being closed or charged off to a collection agency, and since my online access had been blocked and I was paying over the phone I had asked multiple times that I receive paper statements in the mail so I could monitor my account which I never received. I feel this is Fraudulent Business practices by XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove XXXX fraudulent hard inquiries to my credit report from XXXX Bank, dated XX/XX/22. I am the victim of identity theft and these inquiries are not mine! I have have filed multiple disputes with Equifax regarding this, and most recently they only took 1 day to " investigate '' before affirming that they believe the fraudulent inquiries were indeed factual. I have also reached out to XXXX and been told they have already contacted the reporting bureaus to have this information fixed. I kindly request Equifax actually " investigate '' my file and have these fraudulent applications removed from my report. I tried contacting Equifax via phone at ( XXXX ) XXXX this morning ( XX/XX/22 ) however was only able to reach an automated system, with no option to talk to an actual human about my disputes.
Product: Credit reporting or other personal consumer reports

XXXX account need to be removed as i pulled uo my credit report. 
The following : XXXX XXXX account number ending XXXX XXXX  XXXX  account ending XXXX Midland Credit for XXXX My full name is XXXX XXXX XXXX and my one and only address is attached below.
Product: Debt collection

On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have XXXX a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.
Product: Debt collection

Portfolio Recovery obtained a judgement for a debt I do not believe is mine in XXXX of XXXX. They have the last name XXXX on the debt, that was a former name from a prior marriage. They did so without ever notifying me they were suing. I have worked for the same employer from XXXX  to present. Portfolio has sent several communications to my employer in XXXX   demanding my wages be garnished pending suit for garnishment, copies of which I now have. I contacted Portfolio in XXXX, upon receipt of the copies provided to me by my employer. I was told the debt was for a XXXX XXXX credit card. I explained I have a XXXX  XXXX credit card in good standing and I use it often, I told them I didn't believe the debt was valid. I drafted a letter asking for proof of debt and sent it with tracking on XX/XX/XXXXXXXX  to two addresses. XXXX  to XXXX XXXX XXXX, XXXX VA and XXXX to XXXX XXXX XXXX, XXXX VA because one address was on the correspondence I have but the representative I spoke with gave me a different address, which I repeated back to him and he verified. To ensure it was received by them, I sent it to both addresses. Portfolio received the letter requesting proof of debt, but never responded. I didn't receive proof of debt. Today, I received a copy of another attempt to collect that was sent to my employer 's attorney. It is my understanding that if I dispute the debt, they must provide proof of debt and until they do, must stop attempting to collect the debt. My employer has been notified now twice and it is not just frustrating but also embarrassing. I believe they are purposefully trying to aggravate the situation. I am preparing to send a response to them that I intend to mail with tracking tomorrow. In it, I advise them I am making a complaint to you. 

I think this debt may belong to my former spouse from a debt claim that occurred before I married him. We have since divorced. I can not verify this because Portfolio Recovery Associates , LLC, has not provided me with proof of debt.
Product: Debt collection

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX on XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately.

Please provide written confirmation regarding the resolution of this complaint.
Product: Student loan

I called last year inXX/XX/XXXX to request an Income Based repayment plan. I was paying {$590.00} per month. I was approved and my new payment which was due in XXXX was {$700.00}. I asked XXXX XXXX why they changed my payment to a higher amount without notifying me. Obviously the main reason to request an IBR payment plan is to lower your payment. They did n't have an answer for me. 
I called and told XXXX XXXX that I could n't afford that payment. I was assured that I would not have to pay it because they would extend a forbearance for the month of XXXX and I could just pay the new lower payment in XXXX of {$490.00}. Well, now my loan is delinquent because the forbearance was never applied. Instead of them contacting me via email or phone to let me know that they could not apply the forbearance, they just left it delinquent. Now it is more than 20 days late. I have already submitted my payment for XXXX but, I do n't know what I will do about the past due amount. At no point has XXXX XXXX shown any concern for my situation. I only need one month to bring my account current. I have never been late or past due before. I am very concerned about my credit.
Product: Credit reporting or other personal consumer reports

I am writing regarding Ally Financials mishandling of a repossession of my XXXX XXXX  XXXX, and associated violations under New York State law, the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and other applicable federal statutes. Ally Financial has failed to adhere to legally required procedures in conducting the repossession, auction sale, and subsequent reporting to credit bureaus, and I have suffered significant damages as a result. 

Background On or about XX/XX/XXXX, I financed the purchase of a XXXX XXXX XXXX through Ally Financial. Subsequently, on or about XX/XX/XXXX, the vehicle was repossessed by Ally Financial. However, Ally Financial has engaged in a series of actions and omissions that have violated both state and federal requirements. 

Violations and Basis of Complaint Failure to Provide Timely Notice of Repossession and Sale Under New York State law and the Uniform Commercial Code ( U.C.C. ), creditors are required to provide notice to the debtor within a reasonable timeframe after repossession. I did not receive a prompt or proper notice from Ally Financial concerning the repossession, nor did I receive timely notification of the sale date and location of the auction where the repossessed vehicle was sold. 

Failure to Provide Post-Sale Notice Ally Financial failed to issue a post-sale notice indicating the final amount owed, as required under New York State law and the U.C.C. This omission denied me the opportunity to address any remaining balance, preventing the ability to resolve or mitigate potential deficiencies or other financial consequences. And lead to inaccurate information being reported to the credit bureaus.

Inaccurate Credit Reporting and Failure to Correct Following the repossession and sale of the vehicle, Ally Financial reported incorrect debt amounts to credit bureaus. My client has attempted to correct these inaccuracies on at least six separate occasions,
with documented correspondence sent to Ally Financial, yet Ally Financial has failed to amend the erroneous information with accurate information. These actions constitute violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates accurate credit reporting and requires creditors to correct inaccuracies promptly when brought to their attention. 

Thank you for your attention to this matter. Please contact me at your earliest convenience if you require further information. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just pay for a credit report and I saw those fraud inquiries that I do not know about and shall delete from my credit report. 

Those inquiries below are fraud 1- GXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has incorrect information on my credit report. I contacted them 2 years ago over the phone to have the information removed and it has not been. In fact, they have added MORE false information on my account!