23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/13 - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXXXX/XX/XXXXand I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX XX/XX/XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXXXX/XX/XXXX stated that I must contact XX/XX/XXXX because they XXXX have my account. They provided the number to XX/XX/XXXX 
8. I contactedXX/XX/XXXX verified my information and was told I did not have an account with them. 
9.XX/XX/XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XX/XX/XXXX and XX/XX/XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just sent a letter to XXXX  ( their address is on their website. ) I couldn't even get into my Experian OR XXXX  because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the XXXX  credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my Experian and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit act following companies violated my rights to privacy with hard inquiries on my credit reports according 15 U.S.C1681 Section 602 A.States I have the right to privacy. 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

On XX/XX/2023 I called COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX to begin paying off my debt. I spoke with a gentleman named XXXX to set up payments, he suggested to pay it off as quickly as possible and that the least amount he could take was XXXX every 2 weeks, I assured him that I could not afford that. He said that his company could not take less than {$700.00} the first month to start but then XXXX a month after which I agreed to. On XX/XX/2023 they had pulled out another {$700.00} for the second month and when I called to fix this error. I was told there was nothing they could do. I asked for a supervisor and I was given over to XXXX who said he was the supervisor of that branch. When I told him my issue he laughed at me and chastised me for not having the money to pay. He said whatever XXXX told me was not his issue because XXXX was fired the day after he set up my account for misrepresenting the company. We got into an argument about how his company was in the wrong and he said to me " we don't help people ... we take people 's money. That's it and if you want to keep arguing. We will default your account, keep all the money you've already paid and make you start over with another company ''. 
Feeling completely powerless and not wanting to ruin my credit and lose {$1400.00} which I can't afford. I called back shortly after and made sure my account was still good. They are taking way more money than they are supposed to and it is killing me, I was scared to say anything for a while because It seems they hold all the cards and can misrepresent themselves take more money than we agreed on and leave me powerless and scared to say anything. But the fact that he made fun of me and laughed at me over the phone while I kept my composure and simply asked for someone above him to talk to, and was actually able to threaten me with financial ruin scares me.
Product: Credit reporting or other personal consumer reports

I send a dispute letter on XX/XX/year>2024 regarding some negatives account that I believe was reported wrong in my credit report emailed me stating that they do not believe it was me requesting my credit report to be investigated. They want me to do it to their website. I want them to take time and follow up with my dispute investigate every single negative account I am disputing if it can not be verified to delete immediately from my credit report
Product: Checking or savings account

On XXXX two wires totaling {$230000.00} were sent to XXXX  XXXX XXXX  from HSBC ( MY BANK ) a few days later the receivers account at XXXX  XXXX was put on hold/freeze. no reason or explanation was ever given to why XXXX  XXXX closed the account, they then said HSBC needs to send a " Hold Harmless letter '' I was assigned a customer services manager XXXX XXXX who has NOT helped me and only has e-mailed/called me 1 time in the past 2 months even after 15 calls/ e-mails. HSBC has proof of where the funds originated as I had to provide proof of closing ( I sold my house ) when the funds were deposited in the account and no other funds have been deposited. So I don't understand why HSBC can't help and provide the letter/assistance especially when they know where the funds came from. HSBC asked all communications between XXXX and HSBC be handled in the XXXX XXXX that was done but still HSBC has not/will not help in recalling the funds
Product: Checking or savings account

I got a letter in the mail saying they sent a check to me but it was asent back I lost the letter so trying to get in touch with someone to get it sent to my new address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified written letters to Transunion in regards to Accounts on my XXXX XXXX TransUnion credit report. 
Upon reaching out to the companys who provided these accounts, they cant confirm the accounts belong to me due to billing address discrepancies. 
I have informed this bureau on multiple occasions that my only address is XXXX XXXX XXXX a home that is OWNED. This is where I live, this is where I receive any communications. They have refused to take action. This tort, unlawful, unethical, decision has caused hard to me. There are multiple late payments being reflected on my report, in which the accounts do not belong to me. It seems as if TransUnion is only in this for financial gain! Why? Due to the lack of not properly informing me when someone signed up for something in my name using a different address! I have lost thousands of dollar trying to repair this mess they have caused!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/madam, MIDLAND CREDIT MANAGEMENT has been reporting to the 3 credit agencies that I owe {$430.00} to them for an original creditor called '01 XXXX XXXX '. 

They have been calling me at home and work numbers several days per week harassing me about this money. I DO NOT owe them any money! And they are in the process of RUINING my credit. 

I have submitted a dispute via XXXX XXXX  but no response yet. I suspect this could be owed by someone with a similar name as mine. 

Please help! Midland Credit Management is ruining my credit with a BOGUS collection submitted to all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

Bank : Truist Account : XXXX XXXX  account Opened the account on XX/XX/2022 with a promotion code XXXX, direct deposited and finished all the requirements for the {$500.00} bonus. 
Last call on XX/XX/2022 for the missing bonus and was told by the representative that they can't give me the bonus because my account was locked and closed by them back in XXXX. 
They also refused to give back the money I have in the account unless I visit a branch ( the closest one is 2 hours ' drive from me ) even though they already closed my account.
Product: Mortgage

I was approved for the Homeowners Assistance Program on XX/XX/2022. When my XX/XX/XXXX payment became due with Freedom Mortgage I waited to see if the HAF funds would hit. On XX/XX/XXXX I finally scheduled a same day payment so that I would not be reported to the credit bureau. I have never been 30 days past due on this mortgage. When I scheduled my payment I noticed two payments had already been applied on XX/XX/XXXX covering XXXX and XXXX payments and it now showed I was not due until XX/XX/XXXX. I called Freedom Mortgage and she confirmed HAF funds were sent on XX/XX/XXXX and applied to my account on XX/XX/XXXX. I was advised it was ok to reverse my own payment that now appeared as a principal only payment since the HAF funds came through. So I did reverse my payment on XX/XX/XXXX. It updated with the principal payment being removed and I still showed due XX/XX/XXXX. A few days later I get a call that my XXXX payment is due. I look and see Freedom Mortgage reversed ALL payments made. I called and they said they reversed those HAF payments until they get further instructions from their loss mitigation department. This has now caused me to be reported late on the credit bureau and ruined my credit. They are also still holding all the HAF funds and have not applied them to my account in the amount of {$4800.00}. The awards letter is clear that this amount goes towards any past due and if I am not past due, apply to principal. My main concern is being reported to the credit bureau. I never would of reversed my own payment that I made in time to be covered from negative credit reporting had I known they would go back and reverse payments they made days earlier. I did submit a credit bureau dispute with freedom mortgage which there are no guarantees it will be approved. Ive also called numerous times about the extra money sitting in my account but not applied and am told there is nothing anyone can do. We have to wait. These funds are to help homeowners avoid being late. The last thing we should be doing is holding the payments.
Product: Mortgage

I have suddenly received a drastic reduction in credit lines and one was outright closed as a rssult of Nationstar Mortgage not correctly reporting my status as " o n time '' when my mortgage is in a covid relief program. This had dropped my credit score a pproximately 50 point s within the span of just a week and has drastically reduced needed access to credit resources.
Product: Mortgage

To Whom It may Concern, I started the process of refinancing my home in XXXX Ny with the XXXX XXXX Bank, nearly one year ago! 
Every month because of one thing or another it was delayed. 
I finally have gotten them al the documents they can possibly need. 
The last thing i did was send in paperwork to clear up a forbearance issue. 
The truth is i was making payments for months but for some reason they didnt register everything correctly. 
The Mortgage service company, Dovenmule, received my payment and signed paperwork on the XXXX of XXXX and said theres up to a 2 week wait period. 
It is now 60 days later and they still didnt clear it up. In the mean time mortgage rates are rising and i am suffering as a result. I have bills to pay and am unable to do so as a result of this refinance taking so long. 
If there is any way you guys can help id really appreciate it. 
Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.
Product: Debt collection

In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.
Product: Debt collection

Last year Nathan and Nathan filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday X/XX/17 that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.
Product: Credit reporting

Experian is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX XXXX and XXXX in my credit file. Experian responded to my complaint filed XX/XX/2015 and stated that " The FCRA allows for the length of time information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.
Product: Debt collection

I previously submitted accounts of these matters in other reports to XXXX XXXX and XXXX XXXX among others. 

In the legal paperwork, the account was situated for the corporate fiction named, " XXXX XXXX XXXX '' who was the transmitting utility in the transaction. 

I, " XXXX XXXX XXXX '' in the proper person was not the transmitting utility during this transactions. 

US Bank records indicate that I was supposed to be the transmitting utility or party responsible for the transfer of title, etc during this transaction. 

Upon requests to validate that I, " XXXX XXXX XXXX '' the actual living soul owe the debt to US Bank, have not been validated. 

Fraudulent transactions further accompanied this transaction as I was not given ANY notification about the transmitting utility or how to properly utilize it during the transaction. 

SEC fraud occurred accordingly and was overlooked by CFPB, as well as court officials and HUD representatives who completed maneuvers of title transfer when there was never anything originally validated or anything able to be furnished regarding the transaction because they were not the rightful owners of the property. 

All resolution and recompense should provide relief for the natural person as emotional duress and forced foreclosure occurred due to coercive and duress oriented tactics. 

I can provide verification that I and the transmitting utility are separate entities with documents that have been recorded in the state records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, Attention Advanced Resolution Services ( ARS ) representative, XXXX XXXX, Consumer Office XXXX Please reference the previous CFPB complaint number : XXXX Please instruct the company to open the attached PDF. It includes all identifying documents needed to correct the problem I'm experiencing. 

=== OPEN THE PDF NOW PLEASE === The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over XXXX Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX Live XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute.3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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