23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was contacted by XXXX XXXX XXXX , Inc. under the pretenses that I had a student loan that was deliquent with XXXX XXXX. The amount claimed was $ XXXX. The representative rattled off several of my current accounts, my email address, address, and then said that I couldn't escape from a student loan and after reading me my XXXX XXXX account number said they would start action. 

When I asked for more details I was badgered about avoiding my debt, trying to use tactics to change the subject, an insistence that I couldn't walk away from my student loans. 

I proceeded to dig more, called back and spoke to a supervisor XXXX XXXX. While not as aggressive or misleading about my the debt did say that if the opportunity arose the firm would look to bring action. 

The debt in question is from XXXX and went delinquent in XXXX. This is the second time in three years this group has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago.

Unfortunately Navy Federal is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.
Product: Credit card or prepaid card

I have two credit cards with capital one each with a paltry {$500.00} limit. As a result of my mother 's XXXX last XXXX I have had to travel frequently to where my parents resided for a week or two at a time. This forces me to pay the total balance on the credit cards multiple times per month in order to have credit for rental car/hotel reservations, travel, etc And though each card has been paid from the same bank account via ACH more than 100 times eachover the course of the year, and the bank account has been verified umpteen times, and there has NEVER been a problem of any kind with a payment,, the computer freezes the payments almost 100 % of the time, with no indication as to why, how long or any other specifics. I 'm always told " it because of suspected fraud '', and since I long realized that the suspected fraud is me paying off the cards, I feel at this point that I 'm being harassed and discriminated against as a result of prior credit issues. 

I have spoke to so many people at Capital One and wasted so much time on this issue that it just simple leaves me numb. I would like it to stop, or alternately to find an attorney willing to sue them on my behalf for discrimination and harassment.
Product: Debt collection

Company : Resurgent Capital Services, LP Product/Service : Debt Collection Issue : Debt collection Details : I am writing to submit a complaint against Resurgent Capital Services , LP ( Resurgent ) for their unlawful debt collection practices. On XX/XX/XXXX, I received a letter from Resurgent attempting to collect a debt of {$920.00}, referencing a judgment issued on XX/XX/XXXX, in the Circuit Court XXXX XXXX XXXX, Missouri ( Case Number XXXX ). However, I dispute this debt due to : - Lack of validation of the debt - Lack of proof of ownership of the debt - Lack of proof of my consent to the judgment - Violation of the Fair Debt Collection Practices Act ( FDCPA ) - Violation of the Fair Credit Reporting Act ( FCRA ) Despite my dispute, Resurgent has continued to attempt to collect this debt, and I request that the CFPB take immediate action to : - Stop Resurgent 's unlawful debt collection activities - Investigate Resurgent 's business practices- Hold Resurgent accountable for any violations of federal law Additional information : - Account Number : XXXX XXXX Date of first interaction with Resurgent : XX/XX/XXXX - State : Missouri Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

We have been dealing with Rushmore Loan Management Services Manager XXXX XXXX ( direct phone  XXXX ). On XX/XX/XXXX he informed me that a letter was sent out in XXXX of XXXX with an offer of XXXX to settle a second mortgage lien that was discharged in a bankruptcy. He asked me to get proof of funds and allow him to settle for up to XXXX. I sent him proof of funds from our bank that day. After that he never got back to me and I was never allowed to talk to him. Then we received a letter dated XX/XX/XXXX stating that Rushmore was transferring our loan to XXXX XXXX XXXX as of XXXX XXXX, XXXX. We then contacted XXXX XXXX who was our new Manager at XXXX and explained that we were in the process of setting with Rushmore when they suddenly transferred the account. She informed me that if we could get a copy of the offer letter from XX/XX/XXXX that they would accept and settle for that amount, I asked her if she didn't have that in her history and she said they did not get any information from Rushmore and we needed to request that directly with Rushmore. I did this repeatedly and was told each time that it would go out in the mail that day. It never came on any of the requests. I then went back to XXXX and was informed I had a new Manager XXXX XXXX. I explained all to her and she again said they would accept the XX/XX/XXXX offer if we could get a copy. She even did a conference call with Rushmore and me stating who she was and what we needed. Again no copy went out. On XX/XX/XXXX we called and faxed a request for all correspondence and a script of all calls. They acknowledged this request and said we would receive information within 30 business days. We called them today and they said they had transferred all information to XXXX  and we would have to get it from them. XXXX if still claiming not to have gotten this information. We demand to receive this. Rushmore dragged their feet on this. If they were never going to send it they could have told us this right away. I think there is a conspiracy between Rushmore and XXXX.
Product: Mortgage

I applied for a loan with Veterans United and was assigned XXXX XXXX. She pulled my credit and issued me a prequalification letter for {$600000.00}. 

I asked on several occasions for a loan estimate beginning XX/XX/21, for a specific property to determine what the loan would cost me. 
She refused and stated she could only send a loan estimate once I signed a contract meaning I would be on the hook before knowing what the costs were. She only told me : o A Loan Estimate isnt done until you go under contract on a homebut I can tell you total closing costs would be about 4.5 %, so roughly $ XXXXhope this helps, let me know if you have any other questions. 
I escalated by phone to ( 2 ) different phone agents and was also denied and LE, I escalated again and was emailed an improper LE for the full {$600.00} from XXXX XXXX, rather than the actual property I submitted ( XXXX XXXX ). 

Attached are the complete email communications ( only a few are below ), the improper LE, and the prequal letter.
Product: Debt collection

A representative of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX contacted me on XX/XX/year> @ XXXX P.M. asking me to sign over power of Attorney to XXXX XXXX Firm and I was given XXXX hours in which to do so. The email address he provided was XXXX and the fax # was ( XXXX ) XXXX. The number he provided me to call XXXX XXXX back on once completed is as follows ; ( XXXX ) XXXX. This is pertaining to a lawsuit by XXXX XXXX XXXX for a credit card dispute which has not been proven to be mine. I never signed over power of Attorney to XXXX XXXX XXXX. XXXX XXXX XXXX is acting as the debt collector for JP Morgan Chase. 

This is not legal for a debt collector to request a consummer to sign over power of Attorney. Their collections practices are gegregious, deceptive, and abusive practice of power.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those accounts to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting

I have filed a dispute with XXXX with Trans Union/ XXXX that I have never been late on a payment, I have called 3 times to date to XXXX XXXX and they assure me that I have NO late payments, Yet credit agency states report is accurate. How do I get this off all my reports, I also have XXXX collections and XXXX legal reports that have been paid in full. XXXX paid in Full/ XXXX paid in full/ Legal item XXXX paid in full, and I ca n't get them removed and is showing negative on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit card or prepaid card

I applied for a Discover card 7 days from XX/XX/20. I recieved the card and then a call from Discover asking to fill out a ACTION REQUESTED : Please eSign the required IRS Form 4506-T. This was requested to XXXX. 

I am not a scholar in government, however how is it possible that a consumer retail bank can get assistance to verify income for comsumer products from the government. This is not a loan fund by any government program. 

I would think that any consumer products should be confirm with vendors outside the government and what fees and kick backs does the IRS get for verifying this information and how much of my information is shared with both parties. 

I believe this has to violate some law. 

Please advise.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

SPS has claimed repeatedly to be nothing more than the servicer of my Mortgage, acting at the request of, and benefit for the note holder Who they claim repeatedly to be : XXXXXXXX XXXX XXXXXXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXX XXXX  XXXX, as trustee, on behalf of the holders of the XXXX  XXXX XXXX XXXX Certificates XXXX  Series XXXX XXXX  is the note holder and SPS is the mortgage servicer However on Pg 3 of the second document ( which I found as a CFPB document dated XX/XX/2013 ) XXXX XXXX : Another bank or financial institution ( the new servicer ) has purchased your existing loan from us. Transferring mortgage loans is a normal business practice. 

Please explain this and elaborate on the confusion about who owns this loan. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$500.00} to XXXX on XXXXXXXX XXXX XXXX  through MoneyGram as follows. 
But the receiver has not received the money yet. 
REFERENCE NO. XXXX ( This number was given by MoneyGram ) Receiver XXXX XXXX XXXX XXXX XXXX USD Receive Amount XXXX XXXX Receive Method Direct to Bank Account Transaction Date XX/XX/2022 Transaction Time XXXXXXXX XXXX Completion Date XX/XX/2022 Completion Time XXXXXXXX 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 XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to urgently bring to your attention a distressing matter that has significantly impacted my financial well-being. I have recently discovered that I am a victim of identity theft, with fraudulent accounts and inquiries appearing on my credit reports maintained by Experian, XXXX, and XXXX. 

Account Details : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I solemnly affirm that I have never had any dealings or accounts with XXXX or any other entities mentioned above. The accounts and inquiries mentioned in the credit reports are completely fraudulent and have been erroneously linked to my identity. This situation has caused me immense distress and confusion, as I have diligently monitored my credit reports in the past. 

Unfortunately, the reason I failed to notice these fraudulent entries during the period from XXXX to XXXX was due to several factors. Firstly, during this time, I had been going through a challenging period in my personal life, including the loss of a loved one and a sudden relocation. The stress and emotional toll of these events may have understandably led me to overlook routine financial checks. 

Furthermore, the sophisticated methods used by these identity thieves have made it extremely difficult to detect their activities until now. These criminals may have been using advanced techniques to conceal their fraudulent actions, further hindering my ability to notice the discrepancies in my credit reports. 

I am fully aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As per my rights, I request an immediate and thorough investigation into the fraudulent accounts and inquiries mentioned above. I kindly ask that you take the necessary steps to rectify this distressing situation promptly. 

As a victim of identity theft, I understand that I am entitled to the following remedies under the FCRA : 1.The immediate removal of all fraudulent accounts from my credit reports maintained by Experian, XXXX, and XXXX. 

2.The removal of unauthorized inquiries made by these fraudulent entities from my XXXX and XXXX credit reports.

3.The provision of copies of corrected credit reports after the removal of the fraudulent entries. 

4.Notification of the actions taken to rectify this matter and prevent any further harm to my creditworthiness. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers like me from financial fraud and deception. Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX ( XXXX ) XXXX or XXXX if you require any further information or documentation to assist in the investigation. 

Thank you for your understanding and cooperation in resolving this distressing issue promptly. 

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

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists XXXX XXXX XXXX the said debt collector consistently keeps updating an old debt which goes against Federal Credit Reporting Act and needs to be removed immediately
Product: Debt collection

I had merchant services with Bank of America for a credit card terminal for my business. 2 years ago, we decided to cancel this service and go with another company.  BofA  advised that I need to return my terminal equipment and my services will be cancelled. I returned the equipment as they advised.  <P/> Just recently, I was going through my bank account statement noticed that every month  BofA withdrew two separa te payments of {$19.00} and {$20.00} from my account. I called them to ask what this is, and they said that this is for the merchant service terminal that I currently have, even though I have n't had this service for 2 years. I told them that I returned all my equipment, and that it should automatically be cancelled once they received it. They advised that after I returned the equipment, I was supposed to call them and personally tell them to cancel the service, even though they never told me this. How does this make sense? If I do n't have your equipment nor your service, how are you still charging me for leasing your equipment? This is the same thing as leasing a vehicle, returning it when the lease is up, but they still charge me every month for the vehicle because I did n't call them to cancel it. This is FRAUD.  <P/> I spoke to many different people from  BofA, includin g supervisors and managers. A lot of them were silent and could n't give me an answer because I 'm sure they knew it was illogical. They just kept repeating that I should have called them and cancelled. Some even said that  XXXX   XXXX  ( the terminal company that BofA uses  )  is the one who 's been charging me, and not BofA. I called  XXXX   XXXX  and they did indeed see the charges, but confirmed that it was BofA sending the charges. So we conference c alled BofA  with  XXXX   XXXX  and they exp  lained to BofA that this was Bank of America sending the charges, and BofA agreed.
<P/>  BofA finally can celled ( last month in  XXXX  ) th e services that I never had for 2 years, but I need them to refund me all of the money that they 've been withdrawing from my account in the past 2 years. This is fraud. They 've literally been stealing money from my bank account for services I never had. This is similar to the  XXXX   XXXX  case, and will not be tolerated.  <P/> I will take this to court if it 's not resolved here. This is unacceptable.