23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services attempting to collect an alleged debt, I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 

I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.
Product: Debt collection

XXXX XXXX international sent me a letter about owing {$1100.00} to PayPal. My PayPal account has no negative balance, and its likely someone opened an account in my name. PayPal agreed that my account is not in arrears.
Product: Credit card

This credit bureaus stated that my account was properly investigation but how is that possible if open data is inaccurate, the date last active is inaccurate, the data last reported is not accurate. This ground for removal they have also violated my rights under XXXX XXXX XXXX XXXX XXXXXXXX States I have a right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : is also states a consumer reporting agency can not furnish a account without written instruction
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXXXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sold my house and paid off the mortgage ( through the title company ). The mortgage company will not return my funds remaining in escrow. {$1200.00} Nationstar Mortgage
Product: Debt collection

BC Services is attempting to collect debt on medical bills that are supposed to paid for by medicaid. Not only that but XXXX bill was duplicated even though my son was only in the hospital for one day. The other medical debts they refuse to verify how much they bought the debt for are supposed to be paid by mediciad. Their " attorney '' claims they ca n't send it to medicaid I owe the debt.They continue to threaten to sue me, garnish my wages and even seize my assets, even after explaining I am now unemployed.
Product: Mortgage

Five years ag o we entere d a Chapter   XXXX  Bankruptcy agreement in an effort to retain our existing home. The agreement involved making our monthly payments and we did. In  XXXX  ou r Chapter   XXXX  was official ly discharged. We proc eeded to pursue to refinance with an alternate lender  b/c Wells Fargo was a  terrible business partner and rigid. As we proceeded to refinance, a payment history was requested by our retained lender and consistently reported the account as not current. The payment history reflected  XXXX  not current-which was n't the case. After callin g Wells Fargo for h elp, I was informed that I need to request a review in writing and faxed-which I did on  XXXX . I was informed that I would have the completed review by  XXXX  and still have n't received the full reconciliation of the payment history. Today  XXXX , I called to inquire where this request was and was informed that it would not be done until  XXXX . Why if all payments have been received does it take almos t one mon th to figure out how much of my money they have received and provide me a true accounting. This has significantly impact my current refinance attempt likely increasing the interest rate and lots of wasted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

No proper investigation has been performed by credit reporting agency nor legal documentation have been sent to consumer for review involving prior complaint on accounts listed on consumers report which violates consumers rights under 25 USC 1681. 15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions. No legal documentation have been sent to consumer to confirm that consumer gave written instructions to publish such information. 15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years. Consumers rights have been violated under this code.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Date Filed : XX/XX/year>
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Vehicle was a lemon. The dealership nor the west lake would not help to get my vehicle back on the road so I surrendered the vehicle in doing so I still see the loan on my credit. There wasnt even XXXX miles on the vehicle when I tried to turn it in.
Product: Credit reporting or other personal consumer reports

The XXXX major CRAs are violating CONSUMER CREDIT LAWS by reporting inaccurate information amongst them : Experian : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX The attached reports reveal the inaccuracy and deprivation of my right to accurate reporting. These inaccuracies have been circled in RED. Take Notice. 

This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information.
Product: Debt collection

My loan was escalated improperly in XX/XX/2016. In XX/XX/2016 I called XXXX to secure a deferment as I was unemployed and receiving UE benefits, Food Stamps, and XXXX. I was only offered a Debt Consolidation for those loans. I was unable to accept that option based on research I had done. I advised I would call back after I started work. I called back in XX/XX/XXXX. Although, I had just started working, I attempted to make a {$50.00} payment. The representative said I needed to make {$150.00} payment and could not accept my payment. I was never offered an option to Rehab my loan. I remained in default and continued to live check to check. The other student loans I have with another servicer were with XXXX and were in forbearance/deferment. I have opened every singe communication I had with XXXX. I am not disputing what I owe however I only made XXXX last year and mounting medical bills due to an ongoing condition. I was never notified my loan would be accelerated to the Treasury Department. When I called XXXX last week, I was told they send out a letter in XX/XX/XXXX. They had the correct address on file, as they always have. I asked for a copy of the notification for garnishing my tax return. Not only did they say the couldnt provide, but they also said they had no record of me calling back in XX/XX/XXXX when they declined to take my payment. I talked to XXXX, the manager and he was very condescending. I advise there would have be no reason for me not to have been in some kind of deferment since I was and are still on government assistance. I am now working full time, but I am just barely catching up from being off work. I am also facing eviction because my taxes were taken. I know the government does not require notice if they are taking something, however the servicing contract XXXX has with the government should include proper acceleration of a loan to allow the borrower in financial difficulties to cure. Again I add, I have been on deferment with the other loans I currently have with a different servicer and there would have been no reason whatsoever for me not to have been on deferment or forbearance with XXXX. This should have never escalated to this point. XXXX falsely notified DOE/Treasurer that I was not trying to cure to the point my income taxes were taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to clear up my credit, I sent several letters to Equifax about Chapter  XXXX  bankruptcy that is on my report. I asked that they send communication about verifiable proof of the following :  *the n ame of the courthouse *the person 's name they verified the dispute with  *the address *the telephone  number *the documentation used to verify the dispute According to FCRA, Sect ion 609 a ( 2 ) I  can request to see what they used as proof to verify the bankruptcy and FCRA, Sec . 611 par ( 6 ) ( B ) ( iii ) a   description of the procedure used to determine the accuracy and completeness of the information of a letter sent to Equifax on  XXXX . They sent letter back asking for identification and I sent that on  XXXX  ; however they did not send what I requested  Method of Verification  for Chapter  XXXX  bankruptcy. I sent another letter on   XXXX   stating that I sent the identification and that I wanted my request answered. Again they sent letter asking for identification again. How many times can you give them identification? This time I told them I would report them to the FTC and their website led me to you. As of today which is  XXXX  I have not received my answers to the aforementioned request.   Since there is NO LAW that the bankruptcy remain on your report for 10 years ; at least I have not seen one than it should be removed. if you can find that law please send it to me. The other two credit bureaus removed the bankruptcy and evidently Equifax refuses to provide the information I am requesting. With that being said the bankruptcy needs to be removed since it was  discharged  and I have not received the answers to my request. I believe they are stalling because they do not have that information. Hopefully you can intervene and find out why they  will  not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for auto loan with credit union, we were informed of lower credit score than expected through Experian. With our request the credit union explored the Experian report and found error in report as Mortgage we paid on time entire 4 years since starting date only showed 1 month payment history on Experian report. 

We called Mortgage company and they confirmed at least 29 months of on time payment is what they have been reporting to Experian. 

Mortgage company asked to have Experian call them to confirm so issue could be fixed that day. 

Called Experian and was told our dispute required 30 days per federal law, after many requests for Experian to call mortgage company that day. 

Experian shows the loan originating 4 years ago and still open/current, but still only shows 1 month payment history. 

1 week later Experian sends an e mail stating the dispute is still in process, but no actions or even any update. 

All appears to be in attempt to have consumers contact Experian or log in to their services where the solicitations are impossible to avoid!
Product: Checking or savings account

I bought Merchandise from XXXX and XXXX! Located here in XXXX OH! I returned the Merchandise ( Shoes ) back to the local Stores and was credited between XXXX and XXXX approximately XXXX $ from XXXX  and approximately XXXX $ from XXXX back to my Chime Debit Card! 

Couple Days before XX/XX/22 I received an email to provide Documentation, that I was the original Buyer of the returned Items! Account was suspended by Chime on XX/XX/22! 

I emailed on XX/XX/22 to XXXX documents from my XXXX account to support my Purchases! I was asked again by Chime Days later to send receipt about my XXXX Purchases! 
Emailed on XX/XX/22 9 to 10 emails to XXXX and since then, heard a word back! 

Called 20 to 30 Times to speak to Supervisors, escalated my concern, nothing was done! Account still suspended with XXXX $ on the account! Either they lift the Suspension or close my Account! I want my money out of my Account!
Product: Debt collection

Debt originally owed to Cottonwood Financial, dba Cash Store, I am unaware of the amount due to that the current company, XXXX, will not provide me this information, nor will they provide me a mailing address for correspondence. I have received repeated threatening calls from XXXX XXXX who identifies herself as a Compliance Officer who accuses me of negligence, and that a Process Server is being dispatched to my home and place of employment. She is also calling the references that I provided at the time of the loan, threatening them stating I have not been in communication although I have on several occasions. She indicates that I have the legal right to contact the office that is processing my case, she provides XXXX and a file number. Each time I contact that number I speak with a rude and abusive gentleman who refuses to provide me any information other than who the debt was owed to, which I already know.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Mortgage

My Home Affordable Modification became effective XX/XX/2012. I've been making my payments as agreed in the modification. In XX/XX/2012, Chase transferred my loan to XXXX XXXX XXXX, XXXX. Months after the transfer to XXXX, I noticed a prev-prior servicer fee of {$4900.00} on my monthly statements. XXXX, couldn't give me an explanation of the fee other than it came from Chase Bank. I've tried calling Chase several time for answer but I received the same reply, we are sorry but we don't have any information about your loan because everything was transferred to XXXX. Finally, after putting my dispute on paper, I received a response from Chase Bank that has me even more confused. My Home Affordable Modification states that I would have a new principle loan balance of {$210000.00} which includes all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' It also state in the preceding paragraph of the agreement that all unpaid late charges that remain unpaid will be waived as of the Modification effective date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized accounts on my credit report that were not approved by me in writing or under my consent. I request that these accounts be removed immediately as I have not given any third-party permission to access my credit information. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter.I am human there is no 3rd party.
Product: Debt collection

XX/XX/XXXX18, Atlantic credit and finance contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.