23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice dated XX/XX/2022 in XXXX from Resurgent Capital Services regarding an alleged debt. 

I called Resurgent to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by Resurgent on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, XXXX, attempted to collect the debt via email. They made no mention of my dispute. XXXX 's email did not make it clear what their affiliation is with Resurgent Capital Services and whether or not they are one and the same ; therefore, I am reporting both companies.
Product: Debt collection

My capital one card and XXXX credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. 
You see, i worked as a XXXX  XXXX for the XXXX XXXX with a company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX  marked another XXXX XXXX acres all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no XXXX XXXX  east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money. 
Both the XXXX credit card and capital one did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX  because someone already has it under my email. 
I gave so much to our XXXX XXXX XXXX/XXXX XXXX that I would hope Uncle Sam can help me in a time of need.
Product: Money transfer, virtual currency, or money service

On Friday, XXXX XXXX, Customer A awoke to XXXX having been drained from his bank account. He reported it to the bank and discovered it had gone into his long inactive Paypal account. Somebody had added a fake name, fake phone numbers, and an address of an empty lot in XXXX to his account ( paypal has refused to address this or take calls to resolve ). He was able to make a payment to the paypal account of Customer A 's wife before whoever was behind the fraud could access the funds from paypal and did this because he was unable to get ahold of paypal as they no longer operate telephone services and do not respond to time sensitive messages. Customer A 's wife ( complaintant ) received the money and transferred back to her bank account, but paypal caught up the next day and is placed a debt on her account, wanting to send the money back to Customer A 's compromised account. The family continues to fight paypal over this issue and paypal refuses to call and resolve the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE XXXX Correction to my personal information Dear Transunion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


Wrong address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX ( XX/XX/XXXX, Report Number XXXX ) and Equifax requesting that they do a full investigation of all information being reported on my credit profiles by XXXX XXXX XXXX XXXX because they were both reporting different information from the same company regarding the same alleged debt.

I also wrote a letter to XXXX XXXX XXXX XXXX  requesting a full investigation and proof that the information they are reporting is valid, belongs to me and is accurate. They did not respond. 

When XXXX and Equifax supposedly completed their investigations, they are still each reporting different information. After a full investigation, XXXX still does not have the date of first deliquency. They show that the collection will remain on my report until XX/XX/XXXXXXXX XXXX which would put the date of first deliquency at XX/XX/XXXX. Equifax shows a date of first deliquency of XX/XX/XXXX, which is also not accurate based on my recollection, which is why I did not recognize this information as being accurate to begin with. How can XXXX claim to have done a complete investigation into the validity of this alleged debt, yet they don't have the date of deliquency? How can XXXX continue to report this collection if they don't know how long they are legally allowed to report it? Furthermore, how can either company continue to report this collect when, after a full investigation, they are both reporting different information? 

Lastly, I disputed the multiple incorrect addresses XXXX refuses to remove several times. XXXX claims that because creditors, including XXXX XXXX XXXX XXXX have reported these addresses, they can not delete them. The only address that should appear on my credit report is the address I've provided them with on my disputes several times.
Product: Debt collection

I willingly agreed for this company, Forster and Garbus, to settle my old college debt with me. And was assigned to XXXX XXXX. From the first day assigned, Mr. XXXX used a repeated loud and aggressive tone to deal with my case to which I would always feel uncomfortable. He would then repeatedly lie and say that I never made arrangements for things I openly asked for on a recorded line. And then, after several weeks of me calling this company to settle a debt and have someone else pick up the case. His assigned supervisor, XXXX XXXX. Never returned my calls. 

Today, I spoke to Mr. XXXX for the last time after realizing that my agreed automated payment was not taken out on the assigned date. He then proceeded to tell me that he has no agreement on file and that I never provided the company with any information, after this company retrieved money from my account for the past 2 months. This is robbery and abuse and now I have not been able to reach anyone decent from this unethical office to try and get this debt behind me. I no longer wish to deal with this company and would like to file this complaint so that nobody else experiences this abuse from them.
Product: Checking or savings account

Mercury XXXX provides no phone number for customer support assistance for any of its financial products.

My credit card that they issued is getting declined for routine transactions, no help.

If I experience banking fraud and someone accesses my account, there is no phone number for me to contact. 

If I get locked out of my account, there is no way to contact the company because their support tickets require you to be logged in.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had traded my car 2022 XXXX which was financed with Porsche financial services for a new XXXX, the XXXX dealer failed to payoff the car in a a timley mannor and by the time they did reflected a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, Capital One Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acollector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The innaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars. 
The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the account and moved to another carrier.I was being billed heavily as I had added my girlfriend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good or adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 XXXX XXXX XXXX DAYS 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 XXXX days before the payment due date. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I've noticed several inaccuracies on my account. Which are hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking to be verified as accurate : XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) & ( XXXX )
Product: Mortgage

I attempted to refinance my existing reverse mortgage with AAG ( American Advisors Group ). Things went smoothly from XXXX XXXX, 2019. I was working with XXXX XXXX. His AAG office is located in XXXX, CA, and I live in XXXX, CA. From the time I approached AAG on XXXX till the XXXX, Mr. XXXX was responsive to my calls and emails. 

Since XX/XX/XXXX I can not get Mr. XXXX, nor his supervisor, to respond to my calls or emails requesting an update on the status of my loan application. I have copies of the emails I sent and the ones I received from Mr. XXXX until he stopped responding. 

On XX/XX/XXXX I had a counseling session with a representative from XXXX XXXX XXXX. I have the counseling certificate as does AAG. The session cost me {$190.00}. 

On XX/XX/XXXX a notary selected by AAG came to my home and I signed the loan application documents. I have hard copies of these. 

I received a letter about one week after I met with the notary, informing me that my loan application would be nullified in fifteen business days if AAG didn't receive the documents from the notary they sent. I have no way of knowing if AAG received those documents in time since Mr. XXXX and his supervisor have not updated me. 

I would like clarification. Being 'ghosted ' by AAG doesn't seem like a good business practice. 

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

To add to my previous complaint for account number XXXX this documentation further proves erroneous reporting as the documentation from the very creditor shows a difference in the original balance than showed on my credit report, this is falsely reporting account!! 

My right is to have a fully accurate and completely verified account ; I demand this account to be reported as ( XXXX ) Paid as agreed never late IMMEDIATELY as this is the true status ( documentation provided )
Product: Credit reporting or other personal consumer reports

I looked at my report 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. These accounts : XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Experian is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

To whom it concerns, You are in violation of my rights and consumer laws.My personal information was involved in the data breach in which I've advised XXXX, XXXX and XXXX several times.I am a victim of identity theft. Accordingto the CFPB my rights are in violation of : 15 U.S. Code 605 15. U.S.Code 6801 15 USC1692c 15. U.S.C 6802 You are in violation of my rights. 


CC : FTC CC : CFPB Please delete the following inaccuracies immediately : XXXX XXXX XXXX- {$0.00} XXXX XXXX XXXX XXXX - {$2900.00} XXXX - {$18000.00} XXXX XXXX - {$20.00}, XXXX XXXX XXXX XXXX group/ reporting closed but acct type says open
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutionsXXXX 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
Product: Debt collection

I disputed two accounts via certified mail asking for valid proof ( ie signed contract, or payments made by me toward these accounts ). According to FCRA these companies have 30 days to provide validation and have not done so
Product: Mortgage

I am currently under Chapter XXXX and making my mortgage payments please note that this mortgage was NOT included in the Chapter XXXX filing and I am paying the original payment amount and it NOT was negotiated, I am current with all of my finance 's. However I have been trying to get two copies of statements for XX/XX/XXXX & XX/XX/XXXX, I have been told by Mr. Cooper to contact my lawyer and have her to reach out to their attorneys. She has contacted them to no avail this has been going on for about two weeks, I don't understand how difficult and stressful this has been just to get a couple of copies. It's unbelievable how NATIONSTAR MORTGAGE aka Mr.Cooper is making things so hard to accomplish a simple task.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Product: Debt collection

I received a collection notice from RMS collecting an outstanding debt for XXXX XXXX XX/XX/XXXX - received a collection bill stating I owed {$490.00} for an outstanding invoice from XXXX XXXX XX/XX/XXXX - received another statement for the same amount. I called RMS to inquiry " who is XXXX XXXX ''. The attendant googled XXXX XXXX and read me the description of the company that is on the internet. I requested a copy of the contract showing that we ordered this service. 

XX/XX/XXXX - Received a letter from RMS stating " the information I requested is attached '' ( which was just 4 invoices from XXXX XXXX ) no contract was attached. I called the company, XXXX XXXX themselves and they gave me a past employee name, XXXX ordered the service 5 years ago - Again I asked to see a copy of the contract. They were rude and very short with me. I stated I have never received an invoice nor paid an invoice in the past 5 years from them, they stated they were emailing them to XXXX. ( XXXX hasn't worked here for approx 5 years ). I do all the accounting here for the company - No invoice was ever paid to them - they state I owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX service. 

XX/XX/XXXX - Received a collection letter from RMS, stating the information I requested was attached ( again, just a copy of 4 invoices )
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy Court of XXXX XXXX XXXX XXXX  verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX on my credit report also XXXX which Equifax erased because of 15 USC 1681 ( c ) 15USC 1692 ( f ) and 15 USC 1692 ( c ) cease and desist which should have gave the same results as the other bureau also Equifax is reporting a XXXX  XXXX which no long have a account with my credit account see attachment this needs to be removed immediately
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : Balance Owed : XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 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.