23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint against Resurgent Capital Services for their persistent and unwarranted communication attempts despite my repeated requests to cease all forms of contact. 

This is the third time I am being forced to address this issue. I have no affiliation with Resurgent Capital Services, its affiliates, or any parent company associated with them. Despite my previous written requests, I continue to receive letters and other forms of communication from this company. 

I find these continuous communications to be a clear invasion of my privacy and a form of harassment. I am hereby reiterating my demand for Resurgent Capital Services to immediately cease all forms of communication with me, including mail, email, phone calls, and any other means. 

If this company continues to ignore my requests, I will be left with no option but to pursue full legal actions for invasion of privacy and harassment. I urge the Consumer Financial Protection Bureau to take immediate action to ensure that my rights as a consumer are protected and that Resurgent Capital Services complies with my cease and desist demand. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I was checking my credit report and noticed a " new '' collection account had been added that adversely affected my score. The collection Company listed  is Midwest Recovery. Listing   XXXX   XXXX   XXXX  ( there are no locations in Colorado  ) as th e original debtor. First red flag. I proceeded to call them and find out what is was they could not find any collection under my name. They asked of I used another name and I gave that to them. They found the account. They proceeded to tell me that the account was from  XXXX   XXXX . Second red flag. I have not used my previous name since late  XXXX . Which means this collection is older then  XXXX  and was most likely part of my bankruptcy filed and discharged under my former name in  XXXX . I am looking to have these collections " fully removed '' from my credit reports not just closed. I have also found out th at Midwest Recovery is not licensed to do business in Colorado and believe they either bought this debt without checking the pap erwork or are trying to resurrect it. Please advise. I have filed a complaint with the Attorney General 's Office here in Colorado and they are investigating. When I advised the person at Midwest I was going to file a complaint with the Attorney General they hung up.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a multitude of inquiries by ( XXXX, XXXX, & EQUIFAX ) which I DID NOT initiate and am requesting removal. 

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 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 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 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: Debt or credit management

I had got summons for XXXX XXXX XXXX and was XXXX XXXX XXXX XXXX I submitted all the documents on XXXX XXXX and verified calling on XX/XX/XXXX that they had gotten everything. I did find out till XXXX that it was never submitted to a lawyer to handle after a ton of calls never gotten any action done. at the start of XXXX found out that their were XXXXwo garnishments against my pay and bank and couldn't access my bank any more due to the judgement i had to call to sue for them to sent to the lawyers which at this point the lawyers for the XXXX refused to negotiate and want a lump sum payment of XXXX XXXX dollars which I can not pay
Product: Debt collection

Received a letter from this company  XXXX   XXXX  claiming I owed mon ey on a 4 year old hospital  visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. Despite our ongoing correspondence and previous efforts, it appears that the fraudulent items remain unresolved. 

As I have previously stated, these fraudulent entries are causing significant distress and negatively impacting my financial standing. It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit file. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon completion of the final payment to honor the lease agreement between myself and XXXX XXXX with option to purchase my wife asked the rep from XXXX XXXX XXXX about obtaining the title to the vehicle and they couldnt give her an answer. I got a notification from XXXX XXXX about a change to my credit score. My XXXX score dropped XXXX points I Transunion score dropped 150 something points. XXXX has reported my account delinquent. Not only was this account not reported on every XXXX payment I made for the last four years now they ruined my credit at the end of the lease.
Product: Student loan

This is a follow up on my previous complaint XXXX, regarding actions that have been taken while the complaint is still pending/unresolved. As of 1XX/XX/XXXX I will no longer communicate directly with them because they have fouled up every request without fail. 

XX/XX/XXXX : I received an email response ( sent from them on the XXXX but stuck on their mail server and not delivered until the XXXX, putting this response just before I lodged my initial complaint ) saying I had to submit a new IDR request to be put on the IBR plan. 

XX/XX/XXXX: I went ahead and submitted a new request, this time only submitting it a 'recertification ', giving them the chance to effectively keep me on the original IBR plan I should never have been removed from. I also responded vie the XXXX portal with a message saying as much. 

XX/XX/XXXX : I received approval for the REPAYE plan. There was no indication of what this was in response to. My new IDR request was clearly not for REPAYE, so I have to assume that after some mucking around they decided to take me off the standard plan they erroneously put me on and switch me to REPAYE.XX/XX/XXXX : I received and interest notice. It would appear that as a result of them switching my plan, they triggered some kind of interest payment that will be capitalized if I do not pay. Of course I did not want to switch plan from my original IBR to standard or REPAYE and should not have an interest payment due.

XX/XX/XXXX : I received notice that, " ... you requested to pay the accruing interest ... ''. I never made such a request, I can only assume this is related to them shuffling my plan around erroneously. It indicates that by not paying, I am consenting for them to capitalize this interest. I am not paying this interest because it is due to their errors in processing, and I do not consent to them capitalizing this interest.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I made a loan with Tower Loan LLC. I lost my job right after that and just could not pay it back. When I finally did get a XXXX XXXX and could pay a little on it the employee XXXX told me not to worry about it. She was good friends with my ex wife. In XXXX of last year my check was really short. After investigating it i found out Tower loan sued me and won. I never got notice from nobody. I went to the place tower loan and confronted the lady XXXX. She told me she did say not to worry about it and smerked and told me a working man will always pay more later. 
I borrowed like XXXX or XXXX dollars i cant even remember. I finally got a payment from their attorney and it says principal was XXXX i don't know what it was but i know it was nowhere near that. And they have suied me for XXXX and won. this was in XXXX of XXXX. I have sent letters and emails requesting a payment arrangement but they denied everything. they will not even send me a balance unless I first pay them XXXX. 
I have tried to stay afloat but I am drowning becouse of this. I took full custody of my daughter 2 years ago and I am by myself. I work XXXX hours a week and I was barley getting by. I am now 2 months behind on my house and insurance and transmission went out in my car. I was trying to hold on and pay the rediculas amount and just get a lawer after they stop thier garnishment but I cant make it. I know what they did is wrong and I just cant do nothing about it. Can you please help me. I have begged the lawer for tower loan and tower loan itself to let up and they want. i have already paid them like XXXX for a XXXX debt and now i am facing homelessness fior me and my XXXX XXXX XXXX daughter
Product: Mortgage

Because we did a loan modification and filed bankruptcy we can not make our payment online and every time we have to call to make a payment we have to spend like 30 minutes or more waiting for someone to answer, and then get hung up I think this is not acceptable because they are still being paid and I think is abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX each month for my credit reporting and score.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

Equifax 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 XXXX 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
Product: Vehicle loan or lease

On the XX/XX/2023 i made a car payment and I received a call on the XX/XX/2023 saying that my credit score was going to be charged off after explaining that im unemployed & i wont be able to make on time payments I explained my situation i make payments weekly for the value of a car which is {$2200.00} the dealership sold me the car for {$10000.00} the car was damaged & broken i called westlake financial for help they purposely put my car in repossessed hold because they cant help with servicing cars. I couldnt make the payments on time but they allow me to make late payments multiple times i have documents they transfer my account to a debt collector westlake financial theyve allowed me to make multiple late payments too their numbers is XXXX i was 24 days late on a payment and they repo the car. The car was broken down westlake financial as a debt collector couldnt provide any help so they put the car on a repossessed hold & XX/XX/2023 i made a payment missed 24 days they illegally repossessed the car as fraud theyve allowed me to make late payments countless times & theyve say ive missed certain days, weeks, & months but theyve still took the payments while i had the car on the XX/XX/2023 & they called on the XX/XX/2023 told them i was struggling with work Ill make a payment at the end of the month if i can. They repo the car in 24 days on XX/XX/2023 no warning, no call & no mail.
Product: Credit reporting

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, Experian had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 45 purpose.
Product: Bank account or service

I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges. 

My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn.
Product: Mortgage

This complaint had to be reopened because it closed before I could give a response. Reference complaint XXXX. 

Rocket Mortgage made an inaccurate escrow analysis and then transferred my mortgage to XXXX before the analysis could be addressed. XXXX completed their own escrow analysis and determined there needed to be additional adjustments made to my payments and additional surplus money needed to be paid out from my escrow. 

Rocket Mortgage said in their response that their analysis was accurate with the information that they had. Their analysis made on XXXX XX/XX/year> was flawed because their projection on my monthly payments still included some escrow holdings for real estate tax in which they were notified I was exempt from. There monthly payments totaled {$5700.00} with a {$410.00} payment to escrow. 

On XXXX XX/XX/year>, XXXX with that same information was able to complete an analysis properly showing my monthly payments totaling {$5400.00} with a {$160.00} escrow payment. A surplus of {$270.00} had to be sent to me due to the over withholding of money in my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( TU & XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( TU, XXXX XXXX ) The following account is the result of Identity Theft : XXXX XXXXXXXX  - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX   & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXXf XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXXt ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( TU ) XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries XXXX XXXX ( 6 times ) XXXX   ( 2 Times ) ; TU ( 2 Times ) ; XXXX ( 2 Times ) XXXX ( XXXX ) XXXX XXXX ( TU ) XXXX ( 2 TIMES -TU ) XXXX   XXXX ( TU ) XXXX XXXX ( TU ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Checking or savings account

I have a joint account with my spouse at XXXX XXXX XXXX and have 2 debits cards ( one in my name and one in her name ) on this joint account. The debit cards are issued by BNY Mellon Card Services. The fraudsters have obtained both debit card numbers and used them on 3 merchants - XXXX, XXXX, XXXX XXXX. I reported the fraud to BNY Mellon Card Services in early XX/XX/XXXX. The fraud activities started in early XX/XX/XXXX until XX/XX/XXXX. The amounts added up to approx {$5000.00}. My spouse is the only person using both debit cards. I only discovered the fraud activities when I noticed a large increase in spending and I asked my spouse to reconciliate the account debits. BNY Mellon has repeatedly denied the fraud activities, instead accusing us of lying to them about those fraudulent charges. I have reported this crime to the Financial Crime Unit with the XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX  HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX & XXXX credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.
Product: Vehicle loan or lease

My partner and I have been called everyday ( calls both of us one after the other ) for XXXX weeks though we have spoken to them about accounts being locked and have made a payment, our lender keeps calling and claiming that she will repossess our vehicle and at this point it is harassment because she calls multiple times and is rather rude to us.