23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Capital Services emailed me on XX/XX/XXXX about an alleged debt that I have XXXX knowledge of. I have never received any phone calls or regular letters in the mail from them. Only this initial email. 

Their first email did not state I had a right to dispute the alleged debt within 30 days, a violation of my FDCPA rights. 

I was waiting for something in the regular mail, because they must send my rights within 5 days of first making contact. 

Instead they sent me another email on XX/XX/XXXX, and this email did not state I have a right to dispute the alleged debt within the 30 days as required by law. 

Later that day on XX/XX/XXXX, I emailed the company back. That I had not received any phone calls or regular mail from them. And asked them to confirm they have only sent these XXXX emails to date. They did not respond, the email went thru and did not bounce back. The email also did not state, do not reply etc. 

On XX/XX/XXXX I emailed the company and disputed this alleged debt and request validation. 

Resurgent violated my FDCPA rights for a XXXX time, and failed to cease collections until they validated this debt. They did not mail me anything or call my phone. 

But they continued to try and collect and sent me an email on XX/XX/XXXX At this point I figured they were trying to be deceptive with their email address. So I sent a XXXX dispute email to multiple valid email addresses to Resurgent and their parent company LVNV. Both are under the Sherman Financial Group umbrella. 

I have proof and electronic records they received my XXXX dispute email. 

On XX/XX/XXXX, XXXX sent me another email trying to collect on this alleged debt without sending verification on my dispute. 

I still have received XXXX phone calls and have never received any piece of regular mail from them. 

I believe they are intentionally sending these emails on purpose, not responding to them, failing to inform people of their rights, and trying to collect on debts not owed. 

If they send an email as communication, one should be able to send an email back to them. They will not list any email address on their website. I called them on XXXX XXXXXX/XX/XXXX at XXXX and asked for their email address. The lady who I spoke to was friendly but said she could not provide XXXX. 

They want you to create an account on their website to be able to contact them. But they have hidden language and if you do that, it creates a contract between you and them. It also stripes you of certain rights and privacy. 

Further more, their website stores cookies on your computer without permission, even if you decline. 

This company needs to be fined, like they have been in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}
Product: Credit reporting

XXXX XXXX ran my credit and eveything that i disputed was back on my reports XXXX XXXX XXXX ran it for XXXX XXXX I was suppose to receive all XXXX reports I only receive XXXX I then called TransUnion and XXXX they wanted proof I sent proof again they wanted proof this has been going on the last three years. It makes my pre-approvals XXXX. i get a pre-approval then credit reports put dispute back on report after removing it. Help me please
Product: Credit reporting or other personal consumer reports

Due to unauthorized credit inquiries ( violating 15 USC 16-c ), my credit report is inaccurate. Please correct this immediately by removing the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Due to the fact that Experian failed to verify, correct or remove this bankruptcy per FCRA requirements, they need to remove this immediately.
Product: Vehicle loan or lease

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I had a convenience card from AMEX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has XXXX responsibility for the balances, I do personally and singularly. He has called both AMEX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you
Product: Debt or credit management

Consumer Legal Group should negotiate the settlement on my behalf since XX/XX/XXXX I was making monthly payment from XX/XX/XXXX till XX/XX/XXXX... I called them today XX/XX/XXXX XXXX and inquiry about the status of the account and their responded was they haven't got any correspondence from any accounts. I have requested them to Stop the monthly withdraw and refund the escrow in the amount of {$6500.00}. Still awaiting for their reply.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that we have a problem with the following accounts listed below : XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX  XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX  XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. I need this fixed ASAP. 30 days should be enough. 

Why are there duplicate accounts on my credit report? This is really hurting my credit score and my ability to get approved for credit. From my research, this duplicate reporting is also a violation of the FCRA and the FDCPA. I just need these duplicate accounts remove as soon as possible. 

Thank you. 

I need your help on this one.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I/we sent a letter on XXXX XXXX, 2016 asking Global Receivable Solutions to send all documentation including my legal signature showing that a debt is owed to their company. After waiting 30-days, Global Receivable Solutions never provided me with the documentations. 

I/we then sent a follow-up with a phone call and letter on XXXX XXXX after receiving a phone call from a Representative [ XXXX XXXX ] on XXXX XXXX, 2016 advising that they did not meet their obligation outlined in the first letter. 

For this, the company has failed to meet the 30-day validation outlined by the Fair Credit Reporting Act ( FCRA ) and/or Federal Fair Debt Collection Practices Act ( FDCPA ). 

Due to the company 's unwillingness to send all requested information, it continues to affect my credit report. And I am unable to confirm this " alleged '' debt. Our belief is Global Receivable Solutions is not dealing fairly and would appreciate if CFPB conducts a full investigation of their business practices.
Product: Credit reporting or other personal consumer reports

I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, address- XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX XXXX. This cfpd complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you 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 you receiving this complaint. This fraudulent inaccurate false information consists of accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appear on my consumer fico credit report. I have attached a list of hard inquires in question as well as a copy of the consumer fico credit report obtained by you which shows the fraudulent items. I do not recognize the inquires, accounts, or collections as reported. The accounts, collections and hard inquires appearing on my consumer report made by you were not opened or made by me. These items are a result of identity theft and fraud. I have attached a copy of FTC identity report criminal complaint number XXXX. As proof from the US federal trade commission that all of the mentioned consumer credit report accounts, hard inquires and collections are the result of identity theft and fraud.
Product: Debt collection

I am filing a formal complaint against XXXXXXXX XXXX XXXX regarding a medical bill for XXXX  XXXX XXXX rendered on XX/XX/year> that I did not request, consent to, or receive in any meaningful way. I was forcibly taken to the hospital against my will, despite explicitly stating that I did not need medical attention. I also have video evidence proving that I was coherent, alert, and in no state of distress that would justify involuntary medical intervention. 

Video : XXXX XXXX XXXX XXXX Once at the hospital, I was subjected to deeply unprofessional and unethical treatment : No vital signs were taken at any point, despite this being an alleged emergency medical evaluation. 
I was not provided with any medication, IV fluids, or any form of medical treatment whatsoever. 
The attending physician and nurses failed to conduct any basic medical assessment, including inquiring about my family and medical historydespite my documented XXXX XXXX including XXXX and XXXX 
I was held against my will and denied my right to leave, which is an infringement on my constitutional rights. 

The hospitals conduct was suspicious and raises serious concerns about the legitimacy of their services. Their actions were not only medically negligent but also a blatant violation of my rights. Given that no XXXX XXXX were actually rendered, I do not owe any debt to XXXX XXXX  XXXX and demand that all charges related to this incident be immediately removed. 

Additionally, I am requesting the full names and credentials of the attending physician, all nurses involved, and the security personnel who interacted with me. I also demand a complete copy of my medical records from this visit, including all physician and nurse notes, to fully understand how my case was documented and to ensure accountability for their actions. 

Please ensure that this complaint is thoroughly reviewed and that XXXXXXXX XXXX XXXXXXXX provides a formal response, including all requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form.

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so.

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. Equifax is reporting XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX ( they illegally reaged this account. Equifax is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations XXXX and XXXX are saying this account is paid while equifax is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX  on my behalf
Product: Checking or savings account

I went to the Navy Federal Credit Union branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX On XX/XX/year> at approximately 1615 hours.

I attempted to deposit a check issued from XXXX XXXXXXXX in the amount of {$100000.00}. The teller went to the bank manager and returned to inform me the check would not be accepted and to go to the issuer for service. I informed the teller I felt this was unusual and didnt make sense. The teller reiterated I should take issue with the issuer XXXX XXXX XXXX ). I went to XXXX XXXX who verified funds and informed me that there was no reason for Navy Federal to refuse deposit of check. 

I feel service was refused based on XXXX bias. 
I am disappointed and offended after remaining a consumer at this institution for XXXX years.
Product: Debt collection

XXXX charged me XXXX for services I never received The collection was initiated by XXXX and was closed and then a year later was reinitiated by Diversified Consultants I have sent registered letters to Credit Bureau 's and have been removed Now its back again I really need help on this I have a great credit record and never owed anyone for a collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.