23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX XXXX, I logged on to XXXX to access my credit report ( for the first time ) and noticed that Resurgent Capital Services was reporting account # XXXX is being as being in collections. This is not my debt. I never created this debt, opened an account, or signed an agreement to pay this account. I do not owe Resurgent Capital Services/ LVNV Funding any money. 

In an effort to get this resolved, I sent a debt validation letter ( included below as " Copy of Debt Validation Request.pdf '' to Resurgent Capital Services on XXXX XXXX, XXXX ( copy of certified mail receipt included as " Certified Mail Receipt.jpeg ''. ) In the letter, I requested the Resurgent Capital Services provide me with competent evidence that I owed them money, including : Agreement with their client that grants them the authority to collect on this debt. 
An agreement bearing the signature of myself wherein I agreed to pay this account. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold Resurgent Capital Services. 
Complete accounting of alleged debt. 
Any judgements obtained by any creditor regarding this account. 
Proof that they are licensed in Pennsylvania to pursue this debt According to XXXX, they received this request on XXXX XXXX, XXXX ( XXXX XXXX XXXX. ) On XXXX XXXX, XXXX, I received two letters in the mail from them. The first included a brief letter ( resurgent capital letter received 2 27.jpeg ) and and their alleged records that show an account that I never opened or had ( Resurgent Capital Alleged Record 2 27.jpeg. ) The second letter included a judgement that was filed against on behalf of LVNV Funding LLC on XX/XX/XXXXXXXX.

Resurgent Capital was unable to furnish me with the bulk of what I requested, including an agreement bearing the signature of myself wherein I agreed to pay this alleged account, proof that they are licensed in Pennsylvania to pursue the debt, or an agreement with the alleged creditor that granted them authority to collect this alleged debt. Therefore, they failed to sufficiently validate this alleged debt. 

As of this month Resurgent Capital Services is continuing to falsely report to the credit bureaus that I owe them money.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

Tips Remove any old or duplicate addresses from your report if they give you any issues tell them it is a non mailable address Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports Remove all inquiries off my report Remove all late payments and collection off my report Opt out of the following agencies XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit card

Surprise foreign fees, unknown fees charged when reasonably inquired about it during the conversation with their worker on XX/XX/year> of how much the purchases were, the amounts told to me were the expected costs, not more money charged later, to cover the purchases at the time the bank worker assured it.

Or tell me there were other extra fees at the time of inquiries so, I may better choose whether to purchase or no. More difficult to decide when their extra fees were not made known when inquired with their worker, later showing up surprisingly that there were other fees involved. Does not matter what its terms or conditions were or what its card user agreements were ; with questions, when inquired, unsure of its fees term or condition, inquired about it, with their worker failing to let me know of any extra or other fees, when asked about the purchase amounts then, during the conversation then. Also, this was not the original credit card applied for to start off in the beginning. Bmo workers switched it to another credit card without first reaching me to see whether I would want another of their credit card from the one I selected. I then, may see whether I agree or want another credit card with different fees, charges unknown
to me. Why the requests with their coworker XXXX case XXXX on XX/XX/year> which was handed to XXXX that never responded with replies XX/XX/XXXX XX/XX/year> to her, at their Senior Customer Advocacy Liaison BMO Virtual Connect, Customer Advocacy Team, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company National Credit Adjust can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent XXXX  the letter that states the company is ceasing collection. Nonetheless, National Credit Adjusters fraudulently keeps validating the debt dispit not having proof of ownership for me.
Product: Credit reporting

I have had XXXX debt collectors from XXXX reporting on my credit report. XXXX of the debt collectors were removed but was claiming XXXX different amounts : XXXX XX/XX/XXXX XXXX XXXX {$660.00} XXXX XX/XX/XXXX XXXX XXXX {$81.00} Now as you can see there is a major difference on these amounts. Which very wrong. 
The other XXXX are still on my report still with XXXX different amounts : XXXX {$660.00} XXXX {$100.00} XXXX XXXX just came on my credit report as of XX/XX/XXXX with XXXX still reporting it as well. Between all XXXX debt collectors no one has given me the original amount. Nor do I own this debt in general due to me having a XXXX prepaid phone as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have a XXXX  with citi bank XXXX. I was told that there was no hard credit check on the increase of credit limit. Well the customer service person at citi was wrong. I want my wifes XXXX  and my XXXX  score to be put back in order. Citi and XXXX and the rest told me to get an attorney? what Restore my credit or give me the increase in my limit. I am tired of f ing around. XXXX has done what they can. the XXXX company could give a XXXX. Call me XXXX XXXX XXXX my XXXX dollar card has no balance due... fix it please fix my XXXX  score All of this has taken place over the last week and a half and I am done and sick of the XXXX service Creditor / VendorAccount numberStatus CBNA XXXX .... 
Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute
Product: Debt collection

This account has appeared on my credit some time ago. I do not know the company, I do not have debt with this company. I do not owe this company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is acurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceedin ( File No. 2025-CFPD-002 ) against them for similar violations.

I request that the CFPD take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of the investigation. 

These are the account I have marked inaccurate. 

XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX XXXX ( closed ) XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. XXXX shows XX/XX/2015, XXXX shows XX/XX/2015 and Experian shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.
Product: Credit card or prepaid card

From Macys Furniture on my Macys American Express card. Original purchase of XXXX XXXX XXXX XXXX XXXX set including Queen size bed, nightstand and dresser. Sales check # XXXX for a total of {$2100.00} on XX/XX/2021. On XX/XX/XXXX, Macys had XXXX of XXXX sale on this bedroom set and the price was adjusted to {$1300.00} for the queen bed, nightstand and dresser plus tax and s/h. Currently Macys is charging me {$790.00} for a dresser {$1200.00} for a bed, and {$920.00} for a chest which I did not receive. Furniture delivered Around XX/XX/XXXX. I have spent hours on the phone with Macys and each time they have assured me that this situation was resolved. I just received my new Macys statement and they are still overcharging me by {$1500.00}. I just spent another 45 doing a chat and he then dropped my chat.
Product: Mortgage

In XXXX of XXXXXXXX XXXX XXXX ( Mortgage Servicer was XXXX XXXX ) approved me for a Permanent Loan Modification as a result of medical and financial hardships that I was experiencing. The Permanent Loan Modification confirmed an Interest Rate of 2 % from XX/XX/XXXX to XX/XX/XXXX, followed by an Interest Rate of 3 % from XX/XX/XXXX to XX/XX/XXXX, followed by a locked-in n Interest Rate of 3.625 % for the remaining life ( XXXX XXXX, XXXX Maturity Date ) of the loan as stated in the Permanent Loan Modification.

As a result of the COVID-19 Pandemic, Select Portfolio Servicing, Inc. ( SPS ) approved me for a COVID-19 Forbearance Plans ( with paused payments ) beginning in XX/XX/XXXX throughout XXXX into XXXX. 

In XXXX, XXXX and XXXX of XXXX, SPS approved me for a three ( 3 ) Month COVID-19 Trial Forbearance Plan with partial payments in the amount of {XXXX for each month., of which I made all of the payments on time. 

In XX/XX/XXXX, SPS, Inc. then approved me for a a Three ( 3 ) Month COVID-19 Trial Modification Plan for XXXX, XXXX, and XX/XX/XXXX with payments for each month in the amount of {XXXX} ; of which I made all of the payments on time and SPS, Inc. would then offer me a Permanent Loan Modification. 

On XX/XX/XXXX, I contacted SPS, Inc. and spoke to SPS Representative XXXX ( ID # XXXX ) because I had not received the Permanent Loan Modification Documents that I was required to review and sign. As a result of my inquiry, XXXX ID # XXXX told me that SPS was mailing the Permanent Modification Documents and I should receive them soon. XXXX ( ID # XXXX ) only told me that I could Refinance with another company if I did not like the terms of the Permanent Loan Modification that SPS , Inc. was offering. XXXX ( ID # XXXX also told me of the terms of the Permanent Modification with the following Interest Rates increments as follows : 3 % - XX/XX/XXXX to XX/XX/XXXX 4 % - XX/XX/XXXX to XX/XX/XXXX 5 % - XX/XX/XXXX to XX/XX/XXXX 6 % - XX/XX/XXXX to XX/XX/XXXX 7 % - XX/XX/XXXX to XX/XX/XXXX 8 % - XX/XX/XXXX to Maturity Date of XX/XX/XXXX I told XXXX ( ID # XXXX ) that the Interest Rate and Terms of the Permanent Modification were extreme, unfair, needed to be revised, that I did not agree with the terms and asked her to have the SPS Representative assigned to my account to please give me a call as soon as possible. 

On or about XX/XX/XXXX, I received the Permanent Loan Modification Documents via XXXX ( attached to this complaint ). 

I believe that SPS , Inc. is taking advantage of me as a Consumer, are not honoring my requests for COVID-19 with a Permanent Loan Modification that is fair, reasonable and that is not " Predatory. '' The increasing Interest Rates and terms that SPS is offering me will have me in a position where I will not be able to afford the monthly payments and will not be able to stay in my home as time goes by. 

I am respectfully asking CFPB to thoroughly review and investigate the attached SPS, Inc. Permanent Loan Modification documents to identify the " Predatory '' and extremely unreasonable terms that SPS, Inc. has subjected me to as listed within the Permanent Loan Modification documents.
Product: Credit reporting or other personal consumer reports

I have noticed XXXX hard inquiries on my XXXX credit report that I did not authorize. Both inquires came from Home Depot/Citi Bank . They both appear on my report under the name XXXX. XXXX hard inquiry occurred on XX/XX/year> and the other occurred XX/XX/year>. I did not authorize either inquiry, nor did I apply for a credit card with Home Depot. Around XX/XX/year> I contacted Home Depot regarding the XX/XX/year> credit check. They agreed to flag the inquiry for fraud and sent a notice to XXXX. However, the inquiry still appears on my report at this time. I then later noticed the second hard inquiry on XX/XX/year> and once again contacted Home Depot. However, this time they indicated having no record of any pending credit applications or requests for a credit check. I contacted XXXX on XX/XX/year> to further dispute the inquires on my report, but they instructed me to file a report with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage LLC, d/b/a Mr. Coooper has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected irreparable psychological and emotional harm as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX  Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.
Product: Debt collection

I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back?
Product: Checking or savings account

I filled in and submitted an application to open a 7 month featured CD with Bank of America on the XXXX of XXXX, 2023 for {$30000.00}. I had also filled in details of my XXXX Savings account from which the money had to be taken. The money got taken out by Bank of America on the XXXX of XXXX itself, however my CD has not been opened yet. I do not see any new CD on my Bank of America dashboard, neither did I receive an email. I keep calling them up on their dedicated line : XXXX and they keep mentioning that my application is in progress and is undergoing research due to a technical failure. I am deeply concerned as my money has been taken away and there is no news on the account opening for 19 business days now.
Product: Credit reporting or other personal consumer reports

Inquiries that I never authorized on all the reporting agencies.

Account information is not accurate/different from one reporting agencies.

Credit score from each agency are so different.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card

I opened a new credit card with synchrony Bank, prime card in XX/XX/year>. The first payment was due XX/XX/XXXX. I made a payment from my XXXX XXXX XXXX account. Several days later I got a call saying my payment didn't go through. I immediately called synchrony and again tried to pay over the phone ( thinking perhaps I got the wrong routing number or account number ). I verified both numbers and provided the correct information again. I thought that was it. A few days later my prime synchrony card stopped working. I called synchrony and they told me it was because I had not paid my bill. Again. A. Second time the payment had been rejected. I called my XXXX XXXX  and verified the information and also noted that there were more than sufficient funds to pay the bill. 
XXXX couldn't find an issue on their end. 
Again I called back synchrony and tried to pay with a different checking account for a different bank ( using a checking debit card ). They said they couldn't process the debit card. It was decline. I called my other bank. I verified funds and they reported that the debit card should work. I called back synchrony and gave them the debit card number again. They said they could not process the payment. 
I have no late payment history and they will likely report this to the credit. 
I am livid. I have never had this much of an issue paying a bill and I have opted to write them a check and mail it to them.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late mark on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

Dear Sir or Madam, On or about XX/XX/XXXX, I spoke with an M & T Bank representatives about unknown charges that were being added to my mortgage payments. These other charges are shown on the M & T Bank mortgage statements in section explanation of amount due. I notice that these unknown " other '' charges were being included in my mortgage payments from XX/XX/XXXX- year to date. 

The M & T Bank representative mentioned that the extra charges could be a result of attorney fees being added to my mortgage payments from XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ). 

If these statements are true for any reasons, it is unlawful for a loan servicer to add attorney fees to a homebuyer mortgage payment. Furthermore, My loan was transferred from ( " XXXX  '' ) to M & T Bank in the year XX/XX/XXXX. ( " XXXX '' ) became the first loan servicer of my loan on XX/XX/XXXX.