23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing the CFPB as a public notice to Resurgent Receivables/ Resurgent Capital Services who is listed on my credit report and illegally sharing my personal information. I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) and your cooperation is in clear violation of the FDCPA and my rights as a consumer under the Consumer Protection Act. 

Resurgent has used illegal communication tactics by illegally furnishing my information without permissible purpose and they have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I am requesting that Resurgent provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges if Resurgent wants to receive payment from me. This is not an attempt to avoid paying a debt, rather a validation of said debt to prevent fraud/identity theft that has happened to me in the past. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( XXXX ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. 

If this debt is not handled, properly validated, or removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement, regarding any inaccuracy, deceptive, or unfair debt collection practices that will be handled through arbitration. I am giving Resurgent the opportunity to address this matter before filing a claim with arbitration and alerting other government agencies. I am also attaching my court filed fee schedule and trust documents which will be used in all claims. These fees will accrue if the debt is not validated and the resurgent is not removed from my credit report within 15 days. 

I hope that we can reach a resolution that is equitable and fair for all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that's not reporting properly. In correct dates and amounts. In correct status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
Product: Credit card or prepaid card

I received an email about a application opened XX/XX/2022 in my name that has hit my credit report. It says it is from Synchrony Bank/JC Penny XXXX I tried calling and got ahold of Synchrony and told them this wasn't me and it was fraud and they needed to fix it. They took my information and said they would look into it. I received a letter in the mail Dated XX/XX/2022 saying that they looked into it and that " the information supplied at the time of application matches the credit Bureau file that was accessed during the application process and that since the information matched, they were unable to do anything about it. 
I called back as soon as I got the letter and told them again that it wasn't me that filled out the application and that it was fraud. I finally got ahold of someone that could look up information. She said they see the app and that it has my social security number and date of birth but my address and phone number was wrong. I asked for information about the application but they wouldn't give me anything.

The lady said that the application was processed but was denied for some reason but it did hit my credit report. I asked her how it was denied when I have two emails saying things like " Thank you for being a Synchrony Home Credit cardholder '', " Promotional financing '', " your card is now accepted at thousands of locations nationwide '', " Credit is extended to you by Synchrony Bank ''. 
I'm having a hard time understanding how the application was denied while saying things like the above!? 
They wouldn't provide me an account number or any information regarding the app. 
I take my credit seriously and I want this fixed but unfortunelty Synchrony doesn't seem to care to much. 
I have received XXXX emails now about this account I supposedly have. 
Please help me Thanks I have been sent emails and letters from Synchrony Home Synchrony Financial Synchrony/ JC Penny XXXX XXXX
Product: Mortgage

I was approved for a loss mitigation reduction loan..I went thru the trial period for 3 months. After 6 months of on time payments, the mortgage company called and said that I have a second mortgage so would have to take back the loss mitigation process. The second loan was processed about 15 years ago. I have been trying to contact the second loan company in which at that time was XXXX XXXX. At this point that office is not open for business.
Product: Student loan

On XX/XX/ I attempted to make a payment total of {$320.00}. The payment was received and reversed on the same date without notice. No payment was made and no notification was sent that my email that the payment reversed. On XX/XX/ I checked in on my payment status and noticed my XX/XX/ payment wasnt completed. On XX/XX/ I attempted to make an {$640.00} payment, again the payment Was received and reversed on the same date without notice. The process is setting me back on payments while they continue to increase.
Product: Credit reporting or other personal consumer reports

XXXX transunion and XXXX have the wrong address on file! update my address to the correct information because I can't get insurance.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX Bank our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Product: Credit card or prepaid card

This complaint is due to nonresolution of the prior complaint, ID XXXX. 

I appreciate XXXX XXXX 's response to my complaints filed through the Consumer Financial Protection Bureau and the Attorney General of Pennsylvania. I also appreciate receiving a credit of {$690.00} to my statement dated XX/XX/XXXX. 

In my original complaint ID XXXX from XX/XX/XXXX, I requested 1 ) that the error be corrected, 2 ) that any finance charges related to the disputed amount be credited to my account, and 3 ) that I receive an accurate statement. In Barclays Bank 's response authored by XXXX XXXX and dated XX/XX/XXXX, Barclays is unable to substantiate the claim that I continued to accrue finance charges related to the fraudulent charge. I am submitting a schedule that details substantiation for the claim that I have continued to accrue finance charges related to the fraudulent activity on my account ( encl B ). Additionally, I am submitting copies of the monthly statements showing the interest charges, monthly account balances, and my regular payment of those balances ( Encl B1-B7 ). 

You will see that my XX/XX/XXXX statement includes the fraudulent charge as well as a finance charge of {$22.00}. With each statement, I paid the statement balance less the {$690.00} fraudulent charge less the interest charged for the current billing cycle less the total prior interest charges. As you can see on my schedule, each month I paid the statement balance in full less the total amount that was disputed. 

As in my original complaint, I will not consider this matter closed until I am refunded {$180.00} in total finance charges related to the fraudulent charge. I attempted to call XXXX XXXX twice regarding this matter but received no response to the voicemails I left, so I am sending her the correspondence in writing.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me.
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Product: Credit card or prepaid card

I had previously filled a compliant with the CFPB ( XXXX ) I spoke with a representative from CItizens and just received a response from them through you. Reviewing the response they sent- it was sent to the wrong address. ( I have never received a mailed response- viewed the response from CFPB website ) My concern with the response is it was mailed to an address that I haven't lived at for 5 years. It is addressed to a name that I haven't been associated with for over two years. So now my complaint and personal information including my credit score is being mailed somewhere I don't live. They also included two statements which show CItizens Bank has my correct name and address. This is beyond frustrating. So now my personal information has been breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected rights. 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Product: Credit card or prepaid card

I reported frauduntly charged transactions on credit cards with USAA. It seems that USAA is not handling the claims properly for reasons ; 1 ) Never kept me updated on the claims 2 ) Not investigating all reported claims or does not pay attention to filed claims to identify every claim correctly.
Product: Student loan

My student loans for my teacher credential program were taken out in XX/XX/XXXX. I have now worked for 20 years as a XXXX XXXX XXXX in XXXX XXXX  setting. 
I have paid on these loans since I completed my credential program and owe {$8700.00} as of this date. I completed the loan forgiveness paperwork in XX/XX/XXXX and AES replied that my application was incomplete. I finally resubmitted the application with copies of my credentials in XX/XX/XXXX. I again received a letter stating that my application was incomplete. I again sent in the copies of the application and my XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received notice that my application was incomplete because " the documentation you submitted to our office indicates that you teach science or math in a secondary school. If, so please submit a copy of your full sate certification ... '' As stated above, I do NOT teach science or math, I XXXX XXXX XXXX. I am sending a letter to AES in response to this along with all the documents I sent in XX/XX/XXXX, but I am extremely frustrated with them and view this as a attempt to deny the loan forgiveness I am very much eligible for. This is either incompetence or obfuscation.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the Scammer, all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my account via debit card, and through an intermediary named XXXX XXXX, XXXX, XXXX in the total amount of XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

Sage Stream will not send me a copy of my consumer file.

I requested a copy of my consumer file via their website in XXXX of XXXX. They sent a letter that they needed additional address verification proof and I sent the documentation via certified mail on XX/XX/XXXX. I never received a response or a copy of my consumer file. 

I sent another request via their website on XX/XX/XXXX. I received a letter on XX/XX/XXXX asking for the same proof of address documentation as before. I attempted to fax per their instruction, but the fax number had a " line fail '' error code each time I tried to send. So, I sent the info via mail ( along with that same info for the request for a security freeze ) on XX/XX/XXXX. 

To date, I still have not received my consumer file. All of the requests/back up documents were submitted in the same envelope and the security freeze was placed on my file, so that confirms that they have received all of the information. Yet, they still have not sent me my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : CONN 'S APPLIANCES INC XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX CONN 'S APPLIANCES INC ( Conn 's ) checked my credit via XXXX, and neither Conn 's nor XXXX  contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account.

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that Conn 's extended credit.

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the FACT Act ).
Product: Debt collection

Clinic : XXXX XXXX Creditor : XXXX XXXX XXXX/Ray Klein Amount : {$3100.00} Judgement court : XXXX County District Court of Washington State Bankruptcy Attorney Lawyer : XXXX XXXXXXXX XXXX I am contacting you regarding erroneous reporting by a collection agency. 
In XX/XX/2016 I discharged in a Chapter XXXX Bankruptcy a medical debt for the Clinic and Collection agency. The debt was listed on my credit report from XXXX-XXXX for {$3100.00}. 
Now that I am applying for a home loan, the collection agency has a judgment reported for the same clinic that was discharged in the bankruptcy in XXXX. 
I have contacted the collection agency and so have my bankruptcy attorney with no prevail to have the judgement removed. 
Per my bankruptcy attorney, Ray Klein was notified, I double checked schedule E/F and they appear there and the court documents indicate they were served. 

What course of action can I take as this is holding up my progress of receiving a approval for my home loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I got multiple calls and messages from a company name I.Q. data International about a debt they purchase from another company that claims I owe them money they obtain my private information called my ex wife and family members even my old job looking for me after I told them I didnt make any business with them or gave anyone permission to give out my information but have reflected negative information with the 3 credit bureau that has affected my credit.

They claim I owe them {$17000.00} and it keep going up every month. They reported to the credit bureau on XX/XX/2018
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING 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 - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Employer - XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 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 TOTHISMATTER!!
Product: Vehicle loan or lease

My car was recently repossessed on XXXX XXXX due to missed payments. My original lender, USAuto Sales, has permanently shut down and handed all of their information to a new lender, Westlake Portfolio. Ever since the sudden switch roughly 2 months ago, I havent been able to make a payment due to them not being able to access any of my information such as my SSN or my vehicles VIN. I was sent in cycle of me calling and being told to call back in a week. Just recently on XXXX XXXX we finally reached an answer, the reason they couldnt pull up my account when I provided MY information such as my SSN and VIN Number, was simply because they have someone elses SSN attached to my vehicle! Instead of acknowledging the mistake they made I was told since an account existed with someone elses SSN that it still falls on me for being late even though they had the wrong SSN. To add on to that, instead of fixing THEIR mistake, they decided to provide me with someone elses FULL SSN and I was told to use their SSN to enter the account make a payment of {$1500.00} in order to receive my vehicle back. I was extremely upset with this decision and make it clear that I was very uncomfortable with using someone elses SSN to make a payment on my vehicle, the lady I was speaking to became more agitated and proceeded to tell me there wasnt anything she could do for me besides decrease the price by {$30.00} until XX/XX/2023. I dont feel like what their doing is legally acceptable, under no circumstances should they be okay with giving out someones SSN so willingly! I dont know what to do from here.