23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to formally request assistance from the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with Resurgent Receivables LLC, which has been reporting an alleged debt on my credit reports. Despite my prior cease and desist request, they continue to furnish this information to the credit reporting agencies, causing significant harm to my credit score and financial well-being. 

Here is a summary of the issue : Cease and Desist Request On XX/XX/year>, I sent a formal cease and desist letter to Resurgent Receivables LLC, requesting that they stop all communication and attempts to collect or report this alleged debt. I have attached a copy of that letter and proof of delivery for your reference. 

Continued Reporting and Credit Impact Despite my request, Resurgent Receivables has continued to furnish information about this account to the credit bureaus. This ongoing reporting is unwarranted and has caused a significant negative impact on my credit score, obstructing my ability to obtain credit and impacting my financial standing. 

Request for CFPB Intervention I am seeking your assistance to ensure Resurgent Receivables complies with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The reporting of this account, despite my clear instruction to cease, is in violation of my rights, and I respectfully ask that CFPB investigates Resurgent Receivables ' conduct in this matter. 

Enclosed with this letter, I have provided : A copy of my original cease and desist letter to Resurgent Receivables Proof of delivery of the cease and desist letter Copies of my credit reports showing the continued reporting of the account I appreciate your attention to this matter and any assistance the CFPB can provide in resolving this issue. Please feel free to contact me if you need additional information to support the investigation. 

Thank you for your time and consideration.
Product: Credit card

I received an offer from American Express for a pre approval I applied for the card and it was declined. When I checked the reason it was an error page with no explanation. Also when I was logged on I noticed 3 previous applications that were declined. From XX/XX/2023 to present. I recognize 2 of the applications in XX/XX/2023 and XX/XX/2023. The others were not authorized by me. The offers were deceptive and misleading when it applies to good credit and your score. My score is over XXXX with Good credit .When I read one email from them without the error. It stated that my denial was because I had collections and inquiries and it didnt make since because at that time that was not correct. And the rep I spoke to completely Bias and I was XXXX to get a denial by her tone with me telling me people like me dont get approved often only middle aged white individuals and that I have audacity inquiring about a card with there company when I was sent the offer. 
The unprofessionalism was real and she hung up on me when I asked to speak to her supervisor and would not give me her name,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report today, I have seen that there is fraudulent information and accounts specifically the XXXX XXXX XXXX and XXXX XXXX XXXX. Just so you know, I never lived in this apartment. My information was exposed in the Equifax data breach and I am a victim of multiple fraud. This has caused me so much that I can't even move forward with my life because of this situation. 

The other two credit agencies are not reporting and deleted these accounts due to fraud. Equifax is the only agency who is reporting this apartment and they should remove it as what the other agencies are doing. I attach screenshots. This needs to be cleared ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago my now EX HUSBAND pursued his XXXX XXXX and since we were married I was the Borrower and he was the Co-Borrower on BOTH private and federal student loans. 

I am currently being pursued by XXXX, XXXX XXXX XXXX XXXX, XXXX for an outrageous amount of {$70000.00} and have derogatory information on my credit from the original creditor which was Sallie Mae but now serviced by Navient-reporting loans that are his sole responsibility. 

The amount is astronomical and I am having a very difficult time surviving with my children and our living expenses while he is enjoying the fruits of this very expensive education and lifestyle of an XXXX. 

Per the Divorce Decree that I have uploaded you will see that on the 3rd page it clearly states that my then Husband XXXX XXXX XXXX would be the sole responsible party for all debts in relation to this defaulted debt. Per the divorce decree he was also to refinance the loans under his name removing me from this responsibility and he has failed this order along with other ( s ) that do not pertain to this topic. 

This is seriously affecting me from obtaining a promotion at my place of employment that would allow me to provide more for my children. 

I really need these items to be removed. I have attempted to dispute them. And will be sending out another dispute with a copy of the same divorce decree being provided to you in hopes that this will get removed.
Product: Debt collection

The original company was XXXX XXXX in XXXX XXXX, LA. The collection agency that took over the debt was XXXX XXXX Collections. 

Between the time frame of XXXX when the file was opened. I reached out to the company, and they informed me that they were billing the wrong insurance. I was told by the original company that it would be taken care of, and they would process the correct insurance. At the time I was XXXX XXXX with XXXX XXXX XXXX XXXX. They were charging XXXX which is not XXXXXXXX XXXX XXXX for XXXX XXXX XXXX The total amount to be paid for the lab work that was done. I have documentation that states I had insurance and I also have military orders to prove I was a XXXX XXXX receiving benefits. They also provided my information to a third-party company which is against 15 US code 16802 $ XXXX Opened XX/XX/2020 $ XXXX opened XX/XX/2020 $ XXXX opened XX/XX/2020
Product: Debt collection

I've requested documents to be sent to my address to verify supposed debt without success only to be met with threats of legal action and XXXX issued for my XXXX  after I've explained my current position of possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes we're sent to Equifax in accordance with 15 USC 1681i. Equifax has certified per received responses ( Pages 1-8 ) that the bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Equifax has violated Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.
Product: Debt collection

Violation of My XXXX Rights!!! 

This is Not a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10
Product: Vehicle loan or lease

Toyota Financial Services was concealing or making it difficult for customers online is never disclosing on any paper billing statement required TILA information such as the interest rate of the loan, the term of the loan, the amount payment of that goes to principal and the amount going to interest, and the amount of the original loan. 

Each bill that does not clearly disclose is a violation of from XXXX AI " Truth in Lending Act, or TILA, also known as regulation Z, requires lenders to disclose information about all charges and fees associated with a loan. This 1968 federal law was created to promote honesty and clarity by requiring lenders to disclose terms and costs of consumer credit. '' Every month the borrower has no idea how much each payment is applied to principal and how much is applied to interest. The billing statement does not give the original loan amount and interest rate, it does disclose the balance and number of payments that have been made.
Product: Debt collection

Date opened XX/XX/2021, amount charged off {$2400.00} Discover credit card closed XXXX XXXX XXXX XXXX {$34.00} dollars past due I was unaware of these unauthorized transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

ITS A CHARGE OFF ALREADY PLLEASE STOP REPORTING XXXX XXXX ACCT # XXXX
Product: Mortgage

XXXX unknown debt collectors impostering as illegal Creditors has for the past two years threatened illegal confiscation of real property for personal family or household purposes. The Consumer has served several notices upon XXXX Law Firm and Nationstar Mortgage LLC. XXXX parties have failed to comply with federal Consumer Laws such as the FDCPA. The Consumer has attached a copy of all communications from and to the data collectors.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report
Product: Vehicle loan or lease

This will be my second complaint about Wells Fargo. The complaint is in regards to the previous complain I filed. Case number : XXXX. Consumer Financial Protection Bureau XXXX XXXX : XXXX. I received correspondence from the executive office at Wells Fargo advising me that the late credit marks on my report would be reversed. The marks include a 30 day, 60 day and 90 day late mark that was placed on my report in error because Wells Fargo did not apply the payoff in time to my account. I received a letter saying that only the mark from XXXX would be removed. I personally spoke with an executive from the Wells Fargo office and was advised that all of these late marks would be removed. To date XXXX XXXX all of the negative remarks are still reflecting on my credit report. I am requesting that all of these negative credit marks be immediately removed from my credit report. I was assured by Wells Fargo that this matter would be resolved and it still is not resolved. In addition this has had a negative impact on my personal credit.
Product: Credit card or prepaid card

I received XXXX bank statements from First Bank in XXXX. The first bank statement was from an account that I never opened and never received any credit card. I was charged XXXX. None of the transactions were made by me and were unknown of since I did not open this account. I only found out due to receiving bank statement via mail to my home address. For the XXXX statement, it was with an account that I do have and had since XXXX. The transaction dates were the exact same as the first bank account ( never opened ) and was the same transactions. Both transactions were made on same day and it was for the same thing. The total for my XXXX bank statement was XXXX. The total number is different due to interest charges, but transaction are exact same. When I received these bank statement, I immediately called First Bank and talked to a representative. They said they would look into the case and that I should not worry about it. I had to call them multiple times due to receiving mail that they needed more information. After calling they told me again not to worry about it and that the charges would be waived due to fraud. When on XX/XX/XXXX, I received a mail from First Bank stating that they are denying the fraud claim. This is very unfair due to no fraud protection, as I was never notified through email or any sort. I only found out about these transaction because the mail was sent to my home. I should not be held accountable for these charges as First Bank are not taking appropriate steps to investigate my case. They sent me a mail stating that I should contact the merchants listed on my bank statement, which I have but it should be their job to do that. They need to be held accountable as they are not protecting their clients from fraud and are allowing scammers to steal my identity and make an account under my name. I am very frustrated about the situation and need your help.
Product: Credit card or prepaid card

American Express did not send us a monthly bill and as a result we incurred late fees. When cancelling the card as a result, they made calculation errors which resulted in further fees for me, and they disputed that my annual fee should be refunded. I had to call four times to try to get a resolution and despite having a copy of the recorded call, they would not let me have a copy to prove that their employee had erred and my annual fee should be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
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 XXXX  credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}
Product: Mortgage

I engaged USBank ( primary mortgage holder ) about getting a HELOC on my primary residence. 

They made the process very easy to do electronically. 

Whenever trying to access the money they put a limiit on how much is accessible ( only 5 % ). They claim I have to go to a local branch but there are no local branches. 

After the second time of being unable to access funds at time of need I told the rep I was going to move to another bank and they agreed that would be best and term fees could be waived. 

After a 20 min call on XX/XX/2022 at XXXX the CSR transferred me to a loan officer who said i have to go to a branch for a fee to be waived.

I feel these practices of making things easily when in their favor but difficult in my favor are unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE CONTACTED THE CREDITORS AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY PAYMENTS TO ANY OF THE CREDITORS. I HAVE BEEN TELLING THAT THESE ACCOUNTS ARE FRAUDULENT FOR MONTHS, AND NO ONE CARES AND AN AGENT FROM EXPERIAN TOLD ME TODAY WE CANT REMOVE THEM BECAUSE PAYMENTS ARE BEING MADE, HOW IS THAT MY PROBLEM OR MY FAULT, WHEN I AM TELLING YOU THAT THESE ACCOUNTS ARE NOT MINE AND I AM NOT MAKING ANY OF THE PAYMENTS, WHY ARE THE CREDITORS ACCEPTING THE PAYMENTS WHEN I AM TELLING THEM THESE ARE FRAUDULENT ACCOUNTS. THEY ARE DOING THIS ON PURPOSE TO RUIN MY LIVELYHOOD.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX Information Solutions , Inc. ( hereinafter referred to as " EQUIFAX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EQUIFAX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$340.00}. The FCRA mandates that the credit bureau, in this case, EQUIFAX must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$2000.00}.
Product: Credit reporting or other personal consumer reports

This is a fraudulent account. I have claimed this as fraud. I have sent my FTC report, Drivers License bank statement, FTC Letter. Ive asked for this account to be blocked experience told me that they would not remove or block it, even though XXXX has no record of this account or balance. Experian said that they were provided with information to validate the account and XXXX said that was a lie.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Account name : XXXX XXXX
Account number : 688031
Product: Student loan

I have tried to get information on when I can expect my refund, buy they never give any answers. With the transition of servicers now, it is impossible to get any information.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX