23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A request was made to Resurgent Receivables LLC for Validation of the Debt which the alleged is owed to them and the purchasing agreement. We also have requested evidence of indebtedness via the original instrument of indebtedness and a signed agreement to pay the debt which they allege I owe. Resurgent Receivables LLC has been instructed to cease and desist if they are unable to provide evidence and not to sell, assign, transfer or convey any of my information as I do not consent. Due to data breaches, identity theft and identity fraud, I have taken extra steps to protect my data. Resurgent Receivables LLC has ignored my Notice of Identity Theft, Notice of 15 U.S.C 1692g ( b ) and are attempting in bad faith to collect a debt which is in fact not owed to them based on their " belief '' without sufficient evidence to do so. I have received an unsigned letter from Resurgent Receivables LLC without the acknowledgement of an agent acting on behalf of Resurgent Receivables LLC which is a violation of 15 U.S.C 1692j false and deceptive practices. 

This is Submitted in good faith
Product: Money transfer, virtual currency, or money service

I contacted someone via XXXX on Tuesday, XX/XX/XXXX, who claimed to be selling two XXXX XXXX XXXX wristbands for {$120.00} each. Their phone number was on the posting so I texted this person. They told me they were out of state and I asked if they could mail one of the wristbands to me. They responded, " Yeah! I work for XXXX, I can just overnight it? Have it there like Wednesday or even tomorrow '' and I responded that was okay. I asked if XXXX was okay but they suggested Chase Quickpay after I responded that I have a Chase bank account. I checked Quickpay 's buyer They gave me his email to send the money. I asked for a picture of the wristbands with the packaging for verification and they sent me a photo of 2 wristbands on top of the XXXX packaging. I sent the money and since then have sent three additional texts and called them twice and of course have not heard back from the fraudulent seller. 

Today, Wednesday XX/XX/XXXX, I called Chase customer service to see if they would reverse my payment to the scammer. They told me there was nothing they could do since the payment was already labeled as " funded '' and that I should " ask the recipient to send my money back ''. Obviously this is impossible. Chase has been of no help and I can't believe they don't help their customers who have been the victim of a scam involving their company.
Product: Credit card

I applied for the AAA Daily Advantage Visa Signature card from Comenity/Bread Financial bank. After submitting the application, I received a message saying I would receive a letter from Comenity/Bread Financial within 10-14 days. I then received such letter, called in and provided all the information over the phone to the agent on the line. She confirmed I went through their verification process but 'the bank is still processing my application ' and asked that I waited another 10-14 days for another letter. 

This is ridiculous, but nothing I can do so I waited. I received another letter yesterday on XX/XX/07 saying my application was denied due to Comenity/Bread Financial being unable to verify my identity ( Ref number XXXX ). They already pulled my XXXX credit report, they have all my information, including SSN/home address/DOB, have me wait for 3 weeks and told me that. Unacceptable and unbelievable. Very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to EQUIFAX asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3100.00} Account 3 : US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$1900.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account XXXX : U S DEPT OF EDXXXX XXXX XX/XX/XXXX {$11000.00} Account XXXX : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} Account 8 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account XXXX : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 11 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$6700.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury XXXX has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of inquiry : XX/XX/year>
Product: Debt collection

The company is Midland Credit Management but on caller ID it shows up as XXXX XXXX ( XXXX ) and they will call up to XXXX times a day every day but when I answer there is no one there and they just hang up. Also they will never leave a message on my machine. I am XXXX XXXX and all these calls constantly at all hours of the day and night are aggravating my injuries and causing undo stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Mortgage

Upon refinancing my mortgage, the servicer incorrectly reported it as a short sale. It was always paid as agreed, never late, and paid in full.
Product: Credit reporting or other personal consumer reports

CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Mortgage

Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .
Product: Debt collection

Please take an look into this debt, I've been trying to reach out to this company about this debt and haven't gotten an response. I'm wanting proof this debt is rightfully mines. I've sent this to the company for review and haven't received and response back. 

Dear General Rev, I am writing to formally dispute the private student loan debt referenced under account number XXXX. I recently received notification of this debt, but I do not believe it is valid or belongs to me. 

After reviewing the details provided, I have no record of incurring this loan, nor do I recall signing any documents associated with this debt. To clarify and resolve this matter, I respectfully request that you : Provide validation of the debt, including : A copy of the original promissory note with my signature. 
The full payment history, showing how the balance was calculated. 
Any additional documentation that proves I am the responsible party for this loan. 
Cease all collection efforts and remove any related negative entries from my credit report while this dispute is under review, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general if this matter is not resolved promptly and fairly. 

I appreciate your attention to this dispute and request a written response within 30 days confirming your findings. If you need further information from me to investigate this claim, feel free to contact me at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on or about XX/XX/XXXX, my credit card company, USAA withdrew XXXX dollars from my personal checking account with me calling and requesting and XXXX. They stole XXXX dollars with out my permission and did not place it on my credit card as a deposit..I have no idea where it is! 
Previously, on or about XXXX, I called and talked to a customer service rep. I asked why my USAA credit card balance had stayed at XXXX for al least XXXX XXXXays. She told that large XXXX deposits ( XXXX ) were red flagged and held or frozen or put on a hold for an unknown amount of time ( 10 days ) until " someone " could investigate this red flag. No on from USAA contacted me at any time in the XXXX years I have a customer of USAA. 
Not knowing this, I continued making deposits from my personal checking account to get my balance up.I needed to order important things. This is how I order my XXXX medications that I must take regularly for my serious health conditions.This is how I order items that I can not buy in my small town of XXXX, Oklahoma. I can not drive to XXXX or XXXX to by these things I need. I need to buy them online. These are things that are very important to my daily quality of life. USAA 's abandoned their Fiduciary responsibility to me and I suffered emotional pain, physical pain, and anger as to how they stole XXXX from me and would not put my XXXX deposits on my USAA credit card. I see this as a severe violation of my rights and I consider the a clear case of XXXX XXXX. I am XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In care of : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Dear Sir/Madam, I am writing to exercise my rights under the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically regarding the disclosure of nonpublic personal information to nonaffiliated third parties. 
As per Section 6804 of the FCRA, I wish to exercise my right to opt-out of the disclosure of my nonpublic personal information to any nonaffiliated third party. This letter serves as my formal request to prevent any such disclosures in accordance with the law. 
I understand that under the FCRA regulations, I have the right to prevent the disclosure of my information by financial institutions to third parties. I hereby exercise this right and request that you refrain from sharing any of my nonpublic personal information with nonaffiliated third parties. 
Please acknowledge receipt of this request in writing to confirm that my request has been processed accordingly. I would appreciate it if this opt-out request is promptly applied to my account and any relevant databases under your jurisdiction. 
If there are any forms, procedures, or further documentation required to complete this request, please inform me promptly so that I may fulfill the necessary requirements. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of this opt-out request as soon as possible. 
Sincerely, XXXX XXXX ( Please only contact me via the XXXX MAIL. )
Product: Debt collection

The credit bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible when between the three credit bureaus there are still different open and close dates , credit utilization, wage garnishment from a debt back in 2008 and total debt overall inaccuracies? Those inaccuracies are grounds for removal, compensation, and are still violating my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, back on XXXX I found out that I had identity theft on me. My bank notified me thatI had a judgement/lien on my home from Capital One Bank. 

From there I took the information I received from my bank and found out that Capital One Bank had the found person. So from there I did my due diligence. I first reported it to the police then call Capital One Bank regarding my concerns. 
When I first called I was told that my didnt have any information on me at all. After calling back three different times I finally got someone who told me that this issue was from a IRA account that was open and used for a while then was over drawn by XXXX with a balance of {$7.00} in savings account Well after findings this out I told them they had the wrong person. I explain to them how could this be me and you company dont have any information on me at all. I been trying to get this issue rectified since XXXX XXXXXXXX in XXXX XXXX I send information providing my have the wrong person. Every time I call I get they are working on it. On XX/XX/ I now get they never received my information and I had to send it again, which I did on XXXX.So Id date I still have not heard from Capital One Bank.
Product: Money transfer, virtual currency, or money service

I being using xoom application to send money to my family I have the application for years On XX/XX/XXXX I tried ti send money to my family out side the USA and it normally takes 1 minutes to get a confirmation # so my family can collect the money this time xoom send me on email that it will take 5 to7 days I cancel my transaction but they took The money frome my account I spoke with Them and they said my money will be refunded But it could be up to 7 business days At the same time one of my family members Was at the hospital I need to send them money I tried again with xoom and they took some More money but family can't pick up antil the XXXX
Product: Debt collection

On XX/XX/XXXX I downloaded my credit report. On the report I noticed a collections account with the name American Adjustment Bureau dated XX/XX/XXXX in the amount of {$110.00}. On XX/XX/XXXX I called the company for explanation of what this amount was for. I was told they could contact the hospital and get back to me. On XX/XX/XXXX I called again and was told they did not hear from the hospital but that I owed the money. Again I requested a statement for the details. On XX/XX/XXXX I mailed a letter formally requesting the validation of the debt with the details as to the services provided. As of XX/XX/XXXX I have never heard a response to either my phone calls or letter. If the debt is real I want a statement so that I can follow up with the insurance company as to why the bill is unpaid or pay with my XXXX account.
Product: Money transfer, virtual currency, or money service

I am unable to link my PNC banking account with XXXX.
Product: Checking or savings account

I called TD Bank on XX/XX/22. They told me they are going to look into the fraud. They also told me to contact the XXXX to file a a fraud report. Someone opened it looks like XXXX different accounts in my name with TD bank. I received XXXX checking account booklets with checks in them and also XXXX different statements that said the account is in overdraft. Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$3000.00}, XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$1900.00}, XXXX, XXXX & XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX {$370.00}, XXXX XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  date XXXX XX/XX/XXXX XXXX {$0.00}. Inquiries : 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

IN XX/XX/XXXX I FILED A CHAPTER XXXX BANKRUPTCY. DYCK O'NEAL. I HAVE DISPUTED SEVERAL TIMES BECAUSE THIS ITEM WAS APART OF THE XXXX BANKRUPTCY. THEY HAVE CONTINUED TO RE-AGE THE ACCOUNT. RECENTLY, IN XX/XX/XXXX IT WAS DISPUTED AGAIN, AND IT WA REAGED AGAIN ON MY EQUIFAX REPORT. 

ON XX/XX/XXXX THE ITEM WAS REMOVED FROM MY XXXX  REPORT
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by TransUnion and XXXX but is listed as " {$4700.00} '' by XXXX, leading XXXX discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by TransUnion and XXXX, but XXXX inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XXXX '' by TransUnion but " XXXX '' by XXXX, while XXXX does not provide this date. 
o The " XXXX XXXX XXXX '' shows inconsistent delinquencies. For example, XXXX and XXXX report delinquencies of " 120 days late '' in XXXX and XXXX XXXX while TransUnion does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while XXXX includes " XXXX XXXX Mortgage FHA mortgage. '' TransUnion provides no comments at all.
Product: Debt collection

Transunion : please fix my online account so I can see my credit report Iv tried for 2 months with you but still no luck 2nd I called you and you removed XX/XX/XXXXfor fraud you gave me a confirmation number to thatXXXX charging interest on a closed account for over a year damaging my credit and causing personal harm to myself I filed with the CFPB onXXXX/2025 but the call you to remove this account you agreed so I cancelled the CFPB enclosed case and documents showing the agreement that was made between us with your confirmation of deletion you did not do. I'm sure you do not want eyes on yourself the same as XXXX and XXXX for false reporting .charging interest on a closed account is fraud