23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a collection notice from a company named Resurgent. 
Not only is this not my debt, this debt is from 23 years ago. The notice claims the debt was from the year XXXX ans is {$480.00} and {$1000.00} interest. 
I called Resurgent and they can not tell me the source of this debt because of the age of the debt, but told me they could sue for my assets. 
I told them this was not my debt The woman asked my to verify the last 4 digits of my SS # which I provided and was told the SS # they had was 1 digit off and it was probably a typo. 
Please I need help with this
Product: Debt collection

I contacted portfolio recovery in regard to the account that in shown as a collection account in the amount of {$620.00}, they stated that I am a consignor on this account and that the account was opened by my former spouse. I disputed this account twice since I never authorized this transaction under my name and have not been able to get it removed from my credit report. I have contacted my former spouse about this issue, and she stated that she is unable to pay for this account at this time and not sure when she will be able to do so. Furthermore, the company that my spouse had the debt with was a furniture company called rooms to go which in turn sold the debt to portfolio recoveries.
Product: Money transfer, virtual currency, or money service

We were using Wise for a while to transfer international money for our partners purchase and our company payments, and accept international payments. Most of our method to Wire using Wise is by depositing from our US bank account to our Wise account, and we have all proof statement for our every transaction we made. After we used Wise for three months we got notification from Wise our account is deactivated on XX/XX/2022. We tried to open Appeal, again they decded to remain our account closed. The reason for our account deactivation is our nature of business is violates of their policy section 1.2.2 ( e ), and we don't see ur business is violates their privcy. After all their decision we need to open a compliant using CFPB, and we need Wise to check our issue and solve as possible as they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is horrible Equifax is reporting open balances on several tradelines for 4 consecutive months. They are also reporting a tradeline that is not currently active or being paid for. Ive emailed several time Ive called several times. I got upset at the lack of customer service and I cursed. 

Equifax is refusing to speak to me over the phone, answer my requests via email and when I do call they are rude and hang up the phone They are reporting inaccurate information and refusing to hear me out. Is there any other way to get them to do there Job Its stressful its stoping my business from growing. They are beyond horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX Credit Reporting Agencies ( CRAs )  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA XXXX for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Product: Debt collection

CBE sum how showed up on my credit. Did not ever have charter services. Its hurting my credit and needs to be removed. The ammount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, XXXX , & TransUnion. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

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

On XX/XX/XXXX of this year I observed XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX and on XX/XX/XXXXI received a letter ( attached ) requesting that Equifax remove the inquiry. I also  forwarded the letter in XX/XX/XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.
Product: Debt collection

XXXX XXXX XXXX : XX/XX/XXXX Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  PA XXXX RE : Account # XXXX To Whom It May Concern, I am writing in response to your recent communication via text message regarding the alleged debt referenced above. I formally dispute this debt and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

The details you provided raise significant concerns. Specifically, the violation numbers referenced in your communication ( XXXX and XXXX ) closely resemble those associated with a prior collection agency AllianceOne.. attempting to collect on toll-related debts from XXXX XXXX XXXX XXXX 
CFPB # XXXX - XX/XX/XXXX In that case, I requested validation, but the previous agency failed to provide sufficient proof that the debt was valid. I believe this may either be a duplicate attempt to collect on the same alleged debt or an improperly handled or invalid claim.

Validation requirements To ensure the accuracy of this alleged debt, I demand the following : 1. Proof that I owe this debt : Provide original documentation, including itemized toll charges, violation fees, and any penalties. 

XXXX. Proof of ownership or assignment : Evidence that XXXX XXXX XXXX XXXX  legally assigned or sold this debt to your agency for collection. 

XXXX. A detailed account history : Including the dates, locations, and amounts of any tolls or violations related to the violation numbers : XXXX XXXX XXXX. Proof that this debt is not a duplicate : Clarify how this alleged debt differs from the previous dispute I initiated for nearly identical toll-related accounts. 

Your legal obligation Until this debt is fully validated, you must cease all collection activities, including reporting this debt to any credit bureaus, as required under the FDCPA. Failure to comply with these requirements will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office.

If you can not validate this debt within 30 days, I demand that you close this account, cease all communication, and confirm in writing that no further attempts to collect will be made.

Notice of Rights This letter is not an acknowledgment of any debt and is sent pursuant to my rights under the FDCPA. Any further attempt to collect without proper validation will constitute harassment, and I will pursue all available legal remedies. 
I expect your response within 30 days of receipt of this letter. All future correspondence must be in writing. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Vehicle loan or lease

ALLY XXXX XXXX XXXX XXXX MN I have a complaint against ALLY, I have tried many times to move the due date towards the end of the month. 
this loan originated in XXXX of 2021 and was to receive the 1st bill at the end of XXXX. 
After many tries the, due date still comes due at the XXXX of the month, including over invoicing. 
Furthermore, every time i call the representative is of XXXX XXXX XXXX and can not understand a single word they say. 
Now because of the economy and having to pay the mortgage on the XXXX of the month i have acquired many many late fees and some delinquency 's which have affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. 

XXXX XXXX credit card inquiry dated XX/XX/XXXX XXXX XXXX credit card inquiry dated XX/XX/XXXX Please remove these inaccurate inquiries off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent reservation was made through the XXXX website using my Affirm financial loan info without my consent or knowledge. I contacted Affirm to report and dispute the unauthorized/fraudulent activity and after 30 days they settled on a resolution that I still owe this loan but did not provide any proof or reasoning why. I contacted XXXX to confirm that I've never had an account or reservation with them and asked if they had any knowledge of this reservation, which they did, and they've since removed the reservation from their site but claimed they would refund the full reservation amount since their was fraudulent activity done and they would look into it. NO additional information was provided from XXXX regarding the reservation. I also filed an affidavit with Affirm and submitted a FTC report on both organizations as a response to the resolution that I was a victim of identity theft and that the reservation made on the XXXX website was not done by myself or with my knowledge or consent. Affirm has since sent the now delinquent loan to 3 different collection agencies and 2 of the 3 stated that with the proof of documentation I provided to them, they would not be pursuing debt from me on this loan and would contact Affirm to confirm their decision. Affirm did not reach out to me with any updates or information at any point but proceeded to send me the third collections agency which I have not received any communication from. I've also filed a fraudulent dispute with XXXX in XX/XX/2021 and they also came back with a resolution that the Affirm loan will remain on my account. I have received no documentation to prove this debt is mine but have filed and sent fraudulent and identity theft reports, a signed affidavit, several calls and emails proving this loan was fraudulent, unauthorized and that it should be removed from my credit report. I've spoken to several Affirm supervisors and representatives that have a log of all the calls and emails and supporting documentation that proves this loan was not authorized by myself and should never have been approved.
Product: Vehicle loan or lease

I applied the beginning of XXXX in just my name to move the automobile to my name only and title in Virginia. I sent 4 power of attorney documents and placed over 20 calls in 3 months and now Im paying almost XXXX in XXXX XXXX  when it should be XXXX and face a possible fine from the state of Virginia for not having my car registered as I cant until they fix the title.
Product: Mortgage

XXXX. In XXXX I obtained, what i know now as, a sub-prime loan, from a predatory mortgage company, XXXX. I had an adjustable rate mortgage, based on the XXXX. During the last XXXX or 3 years, the news revealed that XXXX banks connected with the XXXX had manipulated the market in favor of themselves ; to the detriment of consumers. So, not only was I a victim of my own country 's predatory lending practices, I was also a victim of the XXXX XXXX My margin was XXXX and the floor was 9.90 % .. I did n't understand then, but I do understand now, how much of a financial disaster those terms were. Regardless of climate, or payment history, my rate would NEVER go below 9.90 %. 
I have never been 30 days late. I have always paid a little extra in my payment, with the hope of reducing my principle balance to the point that i would be paid in full, prior to the 30 years maturity. 
In XXXX, I was a victim again, as so many others were, of the economy. My employment dried up, the equity in my home, that had been growing no longer existed. From XXXX until now, i have been out of work for XXXX or 3 years total. I have used every dime in savings to keep my mortgage payment current. When my loan was transferred to OCWEN, i tried to get a refinance or modification or something. I was told i could only be helped if i was in default and they could work out some kind of disastrous deferred payment plan. There plan scared me so badly -- i knew that I would have never been able to dig out of that hole. Their customer service reps were all deficient in the English language and had no empathy in trying to help a person get through those horrible financial times. 
The interest rate began to drop finally and significantly to below 5 % for a fixed rate -- and there I was still paying 9.90 % ... never once was I able to take advantage of the rates that were being offered to help people stay in their homes. Never offered XXXX or XXXX My mortgage company was biased toward foreclosure! Especially because I have an address in XXXX that was more poised to economic recovery, than some of the other neighborhoods. 
I was finally granted a modification from Ocwen in XXXX - my rate went down to 3.750 % - ( fixed rate ), BUT -- I have an {$85000.00} balloon payment due at maturity!!!! I will be XXXX XXXX XXXX at maturity. I have always paid my mortgage on time ; I have paid a rate of 9.90 % for years when the rate was less than 5 % in the market. I have always paid a little extra on my principle -- - I will never, EVER, be finished paying this horrible mortgage!!! should i have walked away, and sent them the keys, as so many other consumers have done!!??? This company has made a fortune on me and so many others!! Where will i work at age XXXX -- I can barely find work at age XXXX ( now )!! This {$85000.00} is a false number -- I should have never signed a note with a 9.90 % floor -- but they convinced me that i had the best rate in the world!
Product: Credit reporting or other personal consumer reports

on XX/XX/, I file a petition for XXXX  XXXX Bankruptcy in the northern district of Illinois case # XXXX in the petition TD AUTO account # XXXXincluded I have disputed with XXXX more than 4 times, and I was informed by XXXX that this account was verified as accurate showing a balance of past due of {$72000.00} for the last 8 months and reporting as a Charge off. both XXXX  and TD Auto are in violation of the Fair Credit Reporting Act XXXX  for fail to conduct a proper investigation under XXXX XXXX XXXX ( I ) ( A ) and TD AUTO for Violation of 15 USC 1581 ( S ) ( 2 ) B please see all the Exhibits and documentation that supports my facts, also I have informed XXXX XXXX XXXX of my disputes and no answer. I was discharged on XX/XX/2023 from the Bankruptcy. Court with the order of Discharge. And now I am asking the CFPB for help my Comsumer rights are being violated by TD AUTO & XXXX as of this date.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - UNITED STATES XXXX O Incorrect DOB : - XXXX Employer - OTHER Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXX Listed below are XXXX Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

I called Chase Bank about the interest rate charged on my Amazon Prime Credit Card on XXXX. Its currently at 24.49 % which is highest amount possible. After talking to XXXX levels at their customer service I got the ect same response that this rate was the best they could give me and they do a review every 6 months. They said there.was no one else i could appeal to. I have excellent Credit. They offered no other means of contact to dispute the rate. I was unable to contact Chase directly
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I agreed to finance at a 20 % finance rate my finance charge being {$6200.00} and the amount financed being XXXX agreeing to pay a total of {$21000.00}. I paid {$2000.00} down and a total of payments of XXXX, which should have been {$19000.00}. XX/XX/XXXX, I had a loan modification which was to clear any past due amounts and start me fresh ending my loan still at 48  payments just increasing my loan payment to {$420.00}. In XX/XX/XXXX I made my 48th payment and I had paid a total of {$20000.00} not including the $ XXXX down. After my 48th payment Veros credit stated I still owed {$2900.00}. I asked why and they kept giving me different answers and they all didn't make sense. The main answer I was always given was that I had 4 deferments and I said yes but I paid all 4 payments that where deferred within my 48 payments. I escalated this to Veros Credit consumer complaints, stating I believe there was an error and my loan was paid. I was told by XXXX in consumer complaints that more than $ XXXX was put to my interest and I still owed on my Principle. I let them know that there must be a posting error and to please correct the error. I was told it would be investigated and that it will all get resolved. I was extremely concerned because collections kept stating they are going to repossess the truck and I had paid it off. XXXX reassured me Veros will not repossess the truck and that if anything they will extend my maturity date to allow the remaining balance to be paid, but I explained that will not be necessary because we can all see I have paid my loan in full. During this process within a week of my complaint my credit was attacked by Veros multiple times ( more than 3 times )  dropping my score over 250 points, which has to date not recovered. I emailed XXXX and he reassured me that this was an error, on the phone he said he had contacted the credit bureaus the day prior and requested to correct Veros error of attacking my credit. XXXX reassured my credit would be fixed twice. The second week of XX/XX/XXXX I received a letter from Veros stating they concluded that because I did not pay on time every time that I owed them now over {$3300.00} and that my maturity date has been moved to XX/XX/XXXX. On XX/XX/XXXX, less than two weeks of receiving their letter, Veros repossessed my vehicle and the reason was that I didn't pay the monies that I was addressing with consumer complaints. I contacted XXXX in Consumer complaints and now he is not being truthful about everything that he has told me in email and over the phone. My truck is gone now, and my goal is that this doesn't happen to anyone again. Veros Credit are thieves and need to hold accountable. I was prayed on due to having bad credit and now Veros has made it impossible for me to even get another vehicle. Not to mention my credit score is so low now. Please help me stop them from doing this to someone else. I of course wish I could get my vehicle back, but this doesn't look like it will happen. Please help me.