23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from, XXXX, XXXX, XXXX, I noticed that Resurgent Receivables LLC has reported an account that does not belong to me. I have never opened an account with Resurgent Receivables LLC, nor have I authorized any activity on the account in question. The account listed under my name appears to belong to another individual, as evidenced by different name, address, email and social security number.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request that any information reported on my credit file be accurate and verifiable. I request that Resurgent Receivables LLC : Verify the account information : Resurgent Receivables LLC must investigate and verify that the account in question is indeed associated with my personal information and that no errors have been made in reporting the account. 
Provide supporting documentation : Resurgent Receivables LLC must provide proof of my authorization for the account or any connection between me and the reported account. 
Remove the account : If Resurgent Receivables LLC can not verify that the account belongs to me, it must promptly remove the account from my credit report as per the FCRA. 
Additionally, under the FCRA ( Section 1681i ), if an account is disputed as inaccurate or incomplete, the credit reporting agency must investigate the dispute within 30 days. If the information can not be verified within this time frame, it must be removed from my credit report.

Legal References : Fair Credit Reporting Act ( FCRA ) Section 609 : Right to request information and dispute inaccurate entries on a credit report.

Fair Credit Reporting Act ( FCRA ) Section 1681i : Obligation of credit reporting agencies and furnishers XXXX XXXXXXXX XXXX ) to investigate and resolve disputes within a specific time frame. 
Fair Credit Billing Act ( FCBA ) : Protections related to unauthorized transactions, which may apply if the account has been opened fraudulently or under my name without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me. 

XXXX regards XXXX XXXX XXXX XXXX.
Product: Debt collection

My debt to The Art Institute of XXXX was PAID off by a Student Loan Forgiveness program and it is in the XXXX as PAIN IN FULL. HOWEVER, the school has fabricated a {$6000.00} debt for me, stating all types of erroneous damages and they are HOLDING MY TRANSCRIPT which is PREVENTING ME FROM transferring to obtain my XXXX XXXX. Not only that, The Art Institute has SOLD my account to a collection agancy and then the collection agency gave it BACK. They are claiming I left damages to an apartmentXXXX, in which there are NO PICTURES, NO PROOF and there were XXXX students living in that apartment WITH ME. I have attempted to work out a payment plan with The Art Institute but I work for a consumer advocacy firm and I am NOT PAYING an INVALID debt!!!! Please investigate this matter as they are HOLDING my TRANSCRIPT and causing me to have HOLDS in registering for XXXX XXXX XXXX XXXX XXXX. I am XXXX class away from my XXXX in XXXX XXXX. I have a copy of the XXXX sent in by a XXXX XXXX, who was on the ORIGINAL STAFF when I attended The Art Institute.
Product: Mortgage

1. No response to QWR and Bailee Demand ~ lack of debt validity.
2. We made 7 payments to Litton Loan Servicing in XX/XX/XXXX& XXXX that were never applied ( prior to service transfer to Ocwen ) 3. Wet made 14 payments in XXXX to XX/XX/XXXXthat were never applied ~ to Litton Loan Servicing. 4. Litton alleged {$3800.00} escrow deficiency at the time of the loan transfer to Ocwen in XXXX. 5. We made 17 wire transfer payments to Ocwen in XXXX, XXXX & XXXX that were never applied 6. Ocwen claims escrow was short {$7100.00} in XXXX, due to payments never being applied at Litton and Ocwen. 7. Ocwen demanded escrow payments of {$420.00} per month, when they should have been {$260.00}. This action in XX/XX/XXXXled to further default. 8. Ocwen refused to process loan mod application..we filed appeal to denial. The State of Texas issued a cease and desist orders and also sued Ocwen as well. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Since Ocwen refused our attempts to modify our loan, we filed a Federal Lawsuit on XX/XX/XXXX. Ocwen was served at their registered agent in Texas on Thursday XX/XX/XXXX.
Product: Debt collection

I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit.

Account Number for Bureaus : XXXX
Product: Credit card or prepaid card

We were notified by email from Wells Fargo Bank that our address had been changed per a USPS change of address request. We called them to say we did not change our address and that it should be changed back immediately. In the interim, an attempt was made to add our Wells Fargo credit card to  an unknown XXXX user 's device ; fortunately, that charge did not go through. We asked Wells Fargo why they would change our address without our authorization and they said that they rely on USPS change of address requests to do so. We complained about this and they agreed to elevate our concerns to their " Executive '' department ; we received a letter basically reiterating their practice of such updates and apologizing " for any inconvenience. '' We contacted USPS and there is no record of any change of address being made - their fraud department is running its own investigation. The question is how could Wells Fargo make a change with no change of address existing? We have written them another letter asking them the same question but doubt it will elicit any different response. We are forwarding our concerns to you as we question this practice - in today 's age of identity theft, it seems like a very unsafe thing to do for a banking institution meant to safeguard our monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.
Product: Credit reporting or other personal consumer reports

In it's clearest form to TransUnion, I am requesting TransUnion block or delete identity theft accounts such as two accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Since all accounts are fraudulent in nature and as a identity theft victim. Please abide by the laws governing credit reporting. Thank you.
Product: Money transfer, virtual currency, or money service

Hi, I ordered a corgi puppy to buy from a vendor through an online website. The vendor reached out to me with details about the puppy in the email. 
He charged me 850 $ for the puppy and told that it would be transported from north Caroline to XXXX. 

Once I submitted 800 XXXX the vendor told me that he started the shipment process with XXXX XXXX XXXX service. 

Once this started they sent me a tracking page on their website. Within a span of 1 day they charged me a total of XXXX . 

They asked me to pay for below mentioned amount and said that it would be refunded back with completion of delivery. 

Payments asked on XXXX XX/XX/2022 - 1800 $ for puppy crate. - paid XXXX $ for puppy travel insurance. - paid Payment asked on XXXX XX/XX/2022 - 3000 $ for vaccination - paid Payment asked on XXXX XX/XX/2022 a 7000 $ for quarantine facilities for the puppy. - unpaid Also they sent me emails with payment details and only asked for payment via Zelle. Attached screenshots with this complaint. 

I realized that this is scam and immediately reached out to bank. 
As all transactions were made over Zelle  they said they cant guarantee full returns. 


Information of scam vendors- XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; Medical - XXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Due to error instructions on part of the bank money was never received by XXXX though money was deducted from my account. Transaction date XX/XX/XXXX. Now I am told to deal with XXXX bank in XXXX. I am on my own
Product: Debt collection

Fair Collections and Outsourcing is reporting that I have an outstanding debt owed to an apartment community for {$7500.00}. I acknowledge that I do have a liability with the apartment community, but I strongly disagree that it is {$7500.00}. I have requested a detailed itemization of the charges from the collection agent on multiple times, but they will not provide this information. I feel as though they are withholding this information, because they can not justify the collection amount they are reporting.
Product: Mortgage

I am XXXX of the many homeowners that has a mortgage through Green Tree Servicing. I filed a loan modification for the XXXX time in XXXX 2014. I was approved and signed a Trial period contract, prior to making my XXXX payment, they called and increased the amount. I was then approved for the modification with a payment of {$850.00}. A month later Green Tree called said they made a error with escrow and increased my payment. Another month has passed and Green Tree is increasing my payment again because of attorney fees incurred during the previous foreclosure process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have not removed fraudulent inquiries from my report.
Product: Debt collection

I'm a victim of identity theft and do not recognize one or more of the accounts on my credit report. I will list the following fradulent accounts on my credit report that do not belong to me. The following : Paramount Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I pledge that the information given to the credit reporting agency is fradulent of the accounts listed, Under the Fair Credit Reporting Act ( FCRA ), both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in your report.
Product: Debt collection

I am writing to formally report that I am a victim of identity theft related to an account or debt collection activity with Midland Credit Management. I have not authorized any accounts or incurred any debts with Midland Credit Management or the original creditor.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX account # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

The company Creditco shows a hard inquiry on my credit report. I have no idea who this is and why they are on my report. I need the hard inquiry removed because I have never had any dealings with this company before. 

Thank you, XXXX XXXX
Product: Mortgage

I was interested in getting a Loan through lowvarates.com and I applied online. I was a mortgage broker in the past so I was very familar with the process. I was working with XXXX XXXX LOAN OFFICER NMLS # : XXXX, Branch NMLS # : XXXX, NMLS # : XXXX XXXX Office : XXXX Cell Phone : XXXX. I applied for the loan as he requested and filled out all the information that was requested to get a loan estimate on XX/XX/XXXX. I continued to ask for a loan estimate as he promised me a fixed rate of 2.5 % with some very low fees. I requested the loan estimate numerous times over the next 7 days through the chat feature online. He said I had to upload more and more additional documents. I finally uploaded over 25 additional documents that he requested. I had just went through the loan process a month ago and did a cash out refinance, and now I was looking to refinance again because I could do a NON cash out rate that would drop my interest rate from 4.125 % to the 2.5 % he quoted me. After uploading all the additional documents, he STILL REFUSED TO SEND ME A LOAN ESTIMATE and said he was not going to do it because he didnt want to do the loan because it would take too much time. I told him he was required by law to send me one and he still refused. After all this time, he stopped responding to my request and tried to pawn me off to another company. At that time, I wrote a negative review on XXXX concerning his conduct. 

He also erased everything from my file, so everything that I upload is no longer available after I spent 2-3 hours uploading these additional files I created. 

The SAME DAY as I posted the negative review, XXXX retaliated against me and RELEASED MY PERSONAL INFORMATION to his company and they pulled business from me as a notary. I had a signing with lowvarates.com to close a loan for them as my job as a notary. That loan was canceled by Lowvarates.com at his request, which has never happened in my previous 13 years as a notary. I have documentation showing the " fake '' loan with the 2.5 rate AND the cancelation notice from his company the day my review was posted.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2023 at XXXX a total of XXXX was sent to completed to chase to be deposited. When i checked my account I received an error message stating updated balances were not available. I logged in this morning and the deposit has not been reflected on my account despite the confirmation that funds were debited and the instant transfer was completed from XXXX. I called chase multiple times and after an hour on hold with a manager reveiwing my account my call was disconnected with no resolution and no attempt to reach out again was completed. I called another supervisor and they put me on hold and transferred me to a closed department without notice. I've completed the instant transfer service to my account many times over the years and this is the first time I've had an issue. They refuse to rectify it and keep putting me on hold and hanging up.
Product: Debt collection

All of a sudden I had a collections show up on my credit report from XXXX XXXX When it first showed up it said Original Creditor was XXXX store XXXX for a returned check. For one, XXXX doesnt accept checks as a form of payment. I have never shopped at this store as it is over XXXX miles from my home. I tried calling the number listed for the collections a my credit report and none of the numbers are even working numbers. I disputed with XXXX who took this off my credit. XXXX and XXXX has not taken it off even after multiple disputes. The XXXX  has reviews of these companies showing scams regarding returned checks and fraudulent debt collections. This needs to be removed from my credit reports as it is not mine! Ive never received correspondence in the mail for this fraud collection it just showed up on my credit report one day. This needs to come off my credit as it is hurting my credit and is fraudulent.