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

I discovered unauthorized inquiries on my credit report this morning and have no idea why. I checked my credit report as usual, but this time there were discrepancies out of nowhere. Refreshing my browser didnt help ; the unauthorized inquiries remained. I am asking for a thorough review of the documents I've sent to resolve this issue immediately.
Product: Bank account or service

I deposited a check into a XXXX Atm. For the last two days when I logged in the hole was scheduled to release on XX/XX/XXXX. On XX/XX/XXXX, XXXX changed the hold to XX/XX/XXXX. When I called to find out why a Sr.Rep lied and said the check would n't clear until XX/XX/XXXX. The check is from an employer insurance plan and I had already spoke to them and thy said there was no issue with the check. The rep lied to justify changing the hold date of funds.
Product: Debt collection

This supposed debt owed to XXXX in the amount of {$480.00} was reported to credit bureaus about a year ago in XX/XX/XXXX by a collection agency named XXXX. I disputed the verification of this account. The debt account was then removed from my credit report. But, on XX/XX/XXXX, a collection agency by the name of AFNI has reported the exact same claim for this XXXX debt with a balance of {$480.00} to the credit bureau. Not only are they reporting a debt which was previously disputed and removed from my credit report by another company, but they have also placed a renewed date in which the former disputed debt was reported. I would like AFNI, Inc to provide accurate documentation which shows the validity of this said debt owed by me and/or remove this claim from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I pulled my consumer report and noticed there were accounts on it that I didn't recognize. I am unaware of this debt nor do I recall having a business agreement with this company. I never received any type of notification that I owe you this debt and to put something on my credit report that I didn't have the opportunity to correct is illegal. If in fact you think you did send me proper notification, please provide the certified receipt that I signed that shows I was aware of this debt?
Product: Checking or savings account

I was the victim of an elder wire fraud scheme between XXXX. I contacted Chase promptly on XX/XX/XXXX seeking assistance reversing the fraudulent wires. I initiated a claim of fraud Chase Electronic Money Movement Recall Department on XX/XX/XXXX and spoke to a representative who gave me case numbers and told me that it would be 10 business days to recover funds. I followed up with this department on XX/XX/XXXX and was told that there were no updates on my fraud claims and to follow up on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and was told that nothing was recovered and nothing further could be done to help me. 

My daughter got involved in XXXX XXXX. She managed to connect with an agent in the Chase " vulnerable adults unit '' and learned that my case was NOT routed to the vulnerable adults unit in XX/XX/XXXX and no attempts to reverse the fraudulent wires were made until she got involved, which was over two months after I reported this to Chase and sought their help. I am at a loss as to how Chase representatives indicated this was being worked on and yet precious time when these wires could have been reversed was wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Mortgage

In XXXX of XXXX like millions of others we went on a XXXX forbearance due to unemployment and lack of childcare, all seemed well and Loancare LLC XXXX seemed very helpful most likely to it being a law I assume now. I requested an extension 6 months later and then after that bringing our forbearance term to the end of XX/XX/XXXX, at which time I was then contacted by XXXX who I thought was a legitimate housing counselor due to them having my personal information. For 2 months I communicated with them solely as instructed being told to be patient, thinking there would be a resolution. There was not. I was later informed that our personal information was stolen by someone that hacked the servers of XXXX XXXX XXXX XXXX aka LoanCare LLC. I then received my foreclosure notice in late XX/XX/XXXX of which I made contact with LoanCare LLC, as the letter gave me different options I chose the mortgage assistance application route. Apparently in doing so it voided my pre-approved Covid-19 modification option I was told by one of the supervisors I spoke with in late XX/XX/XXXX and put me on a regular modification request which requires paper documentation and that is where my vicious cycle we have been stuck in since began. I contacted a XXXX  IXXXX XXXX XXXX on XX/XX/XXXX XXXX after yet another request, she informed me that she had found my documents and forwarded them to the processing department but I have been told this before to no avail. These documents have personal information included our children 's XXXX XXXX  XXXX where are they going. Which brings us here, today XX/XX/XXXX at XXXX per my HUD approved housing counselor XXXX representative XXXX XXXX XXXX We desperately need help to keep our home for our family of XXXX including XXXX young kids, XXXX infants. For further information we are fully qualified and approved for a {$20000.00} grant from the NH Homeowner Assistance Fund. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Product: Credit card

On XX/XX/23, I purchased a XXXX XXXX on XXXX. However, I changed my mind and returned the item. XXXX refunded my money. However, I never received the refund on my credit card. I notified Bank of America of this information on XX/XX/23 and provided all the required documentation to demonstrate I purchased it and returned it ; XXXX claimed they refunded it to my original payment method and never received the credit on my statement. Bank of America responded and denied that I was owed a refund on XX/XX/23. I wrote a letter to my bank demanding that they give me a refund that I'm entitled to, but they denied this and then charged me {$310.00} on my credit card for something I already paid for, returned, and never received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX XXXX in America. After sending supporting documents supporting my case to Experian and XXXX  reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX  left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Resurgent Capital Services regarding their mishandling of a disputed collection account reported on my credit file. Despite my repeated attempts to resolve this issue, Resurgent Capital Services has not addressed my disputes adequately and continues to report inaccurate information on my credit report. 

Unauthorized Credit Inquiry Resurgent Capital Services made an unauthorized credit inquiry on my credit report on XX/XX/2024. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b, credit inquiries can only be made with permissible purpose. Resurgent Capital Services did not have my permission to conduct this inquiry, which constitutes a violation of this law. As per the FCRA, I am entitled to damages of {$1000.00} per violation. 

Inadequate Dispute Responses I have been disputing the following collection accounts for months, and Resurgent Capital Services has failed to provide a satisfactory response : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC  Balance : {$1500.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Balance : {$2900.00} Despite my repeated disputes and submission of supporting documentation, Resurgent Capital Services has continually responded with generic letters, failing to address the core issues of my dispute. The letters I received simply state that they manage the account for LVNV Funding LLC and have initiated a review, but they do not provide any evidence of the validity of the debts or address the unauthorized credit inquiry. 

Additionally, Resurgent Capital Services has not provided a signed contract with my signature to substantiate the alleged debts. Instead, they have only sent a simple paged account summary report, which does not make me liable for the debt. 

Violations The specific violations in this case include : Unauthorized Credit Inquiry : Resurgent Capital Services violated 15 USC 1681b by making an unauthorized credit inquiry o

nXX/XX/2024. Failure to Conduct
a Reasonable Investigation : Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to conduct a reasonable investigation upon receiving a dispute from a consumer. Resurgent Capital Services has failed to fulfill this obligation by providing generic responses and not addressing the specific issues raised in my disputes. 
Failure to Correct Inaccurate Information : Under FCRA Section XXXX ( a ) ( XXXX ), furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. Resurgent Capital Services has not complied with this requirement, as the disputed accounts remain inaccurately reported on my credit report. 

Please find attached copies of the responses from Resurgent Capital Services and my credit report showing the unauthorized inquiry. 

Thank you for your prompt attention to this matter. Your assistance is greatly appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX from XXXX at XXXX regarding my account. Per XXXX I made a payment in XX/XX/XXXX and XX/XX/XXXX and my loans were in forbearance during XX/XX/XXXX and XX/XX/XXXX. Attached is proof of the 2 payments I made in XX/XX/XXXX, one for XX/XX/XXXX and an early payment for XX/XX/XXXX. So, how can I have a 90 day late payment in XX/XX/XXXX? Please forward me the documents you have in my file proving this late payment is accurate. 

Under section 609 ( a ) the FCRA requires credit reporting agencies upon request of the consumer to clearly and accurately disclose all consumer information in their file at the time of request and the files requested must be clear and understable to the consumer.
Product: Debt collection

XXXX XXXX has been trying to collect a debt that is completely not accurate at all. But recently, they have been contacting me at work-which will get me fire. The first call that came through, which was two weeks ago. I asked them then to stop calling my work, they just hung up on me. This last week they have contacted my work 3 times, leave a voicemail twice. One the third call, I was able to speak with the rep and she stated they would continue to call because that's the only number they had. Which is a lie, because they call my 3 to 4 times a day. The rep was rude and told me that If I didn't want the calls, I should just pay. 
The debt that they are trying to collect is from XXXX XXXX in XXXX XXXX XXXX. The reason this debt is completely inaccurate is because XXXX XXXX is telling me that I never filed the necessary paperwork to leave school. This is not true at all, I had a mental breakdown AT SCHOOL-and the XXXX staff/ department are the ones that filed that paperwork for me. Because they filed the paperwork, the housing department was notified and help me gain access to all of my paperwork and turn in my keys. Every time this debt gets transfer, I have to resubmit the paperwork to XXXX XXXX and they pull the account back from the collection company. We do this dance every year.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Phoenix Recovery Group
Product: Student loan

My student loans will never go down and theyve price gouged me and I struggled out of college to pay these loans and they have never been helpful. My school was the XXXX XXXX which were a fraud and Navient is still trying to collect a debt on their behalf
Product: Debt collection

In XXXX of 2020 I purchased a pair of XXXX through amazon.com using my Synchrony amazon store credit card. I ended up returning the XXXX and was refunded by amazon for the purchase. The refund was processed on my account in XX/XX/XXXX or XXXX. In XXXX I was charged {$160.00}, initially I thought that this was a fraudulent transaction and called Synchrony. They told me that it was a purchase made on my amazon account, I checked my amazon account and nothing had been purchased through there and I informed them of this in the same call. They told me that a fraud claim would be filled and that the charge would be disputed. They came back to me later saying that the merchant claimed I never returned the XXXX. I called amazon to ask them about this and they said that I did and have even been on a call synchrony to explain to them that they issues a refund and that the product was returned and that i should not be getting charged for this. I have called synchrony at-least 4 times and talked to them via chat multiple times regarding this issue and have not been able to resolve it. They are now charging me late fees and miss payment fees for something that should have already been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I lived in XXXX, IN until XX/XX/2019. When I moved out, I canceled my service with XXXX XXXX XXXX  XXXX XXXX. I was sent a bill for XXXX and XXXX, and I called XXXX to dispute the charges. The representative assured me this would be taken care of and resolved. 

XXXX then sent me to a debt collector when they assured me this was resolved. I called XXXX and they said it was too late and it had been sent to the debt collector and they could not fix my credit. The day after I paid the debt collector, XXXX called me admitting they made a mistake, and would refund the the difference between what was owed and what was overcharged initially. 

I disputed the mark on my otherwise perfect credit with XX/XX/XXXX, and they still list it as accurate ( it is not! ). I followed all necessary steps and my credit was unfairly hit when XXXX admitted they made the mistake.
Product: Debt collection

I sent off certified mail with return receipt to XXXX, XXXX XXXX XXXX XXXX, XXXX on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for DISCOVER BANK CO by XXXX, XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

Lamont, Hanley & Associaties claims I owe {$1.00}, XXXX to XXXX XXXX. Three XXXX XXXX money orders were mailed to the creditor, XXXX XXXX, several weeks ago to their payment address, XXXX XXXX XXXX, XXXX, PA XXXX. Two in the amount of {$500.00}, third in the amount of {$53.00}. It appears the payments were lost or stolen as they have sent account to collections agency. The receipts have since been discarded, unfortunately, no way to show they were purchased and mailed in. Please advise the collection agency I will not make a duplicate payment as I have already paid and if payments were lost/stolen that is unfortunate for both parties. However, I will not make another payment. Please advise the collection agency to remove account from credit bureaus, if reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have been denied by Equifax office of consumer affairs the right to gain access to my credit file. I called Equifax to have my credit report made available. Upon reaching the office of consumer affairs I spoke to Mrs. XXXX who was very rude and condescending from the start of the call. I was simply indicating that I needed my file made available so I can work to purchase a home which requires a tri merge report. She denied my request and hung up in my face. 

This isn't my first time speaking to her or the office of consumer affairs. Every time I've called Im dealt with very poorly and felt very discriminated by this office. They continue to single me out and mistreat me. As a result of Equifax 's discrimination of me has caused XXXX XXXX and XXXX  and has cost me and my family financially by the negligent actions of Equifax. 

I've been apart of data breaches by Equifax and have had my information compromised as a result of Equifax 's data breeches. I've asked for a manger call back since XXXX of 2020 and haven't received one single call from a manager of Office of Consumer affairs. At this point if Equifax doesn't clear this matter up in a very timely manner I will have zero choice but to sue Equifax in federal for XXXX XXXX   and harassment and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

From XX/XX/XXXX until current day of XX/XX/XXXX I have not been able to make a payment to XXXX Serviced by Loancare. 

My mortgage payment of XXXX can not be processed due to the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX XXXX out of commission. Multiple calls to their toll free number at ( XXXX ) XXXX have given a recording that reps are are not able to access account information. In addition to no access to account information the chat bot for the site states the following " LoanCares systems are temporarily offline. Due to this, the servicing systems are currently unavailable and the customer service center is temporarily closed. We apologize for any frustration or inconvenience this may cause. We encourage you to try back another day. Thank you for your patience. '' We are needing to make out mortgage payment and also have delayed the closing on the sale of our home due to this. 

No contact, no email regarding a breach or estimated restoral of services, and I have gotten emails form this company to apply for a new mortgage loan.
Product: Debt collection

Texas Attorney General Office, Has Falsely and Fraudulent Engage In Conduct, That Violates The Meaning and Definition Of Fair Debt Collection Practices Act 1692 ( a ) ( 6 ) and Titte 15 U.S.C. Section ( s ) 1692 ( e ) ( 1 ) ( 2 ) ( B ) ( 7 ) ( 10 ) Texas Consumer Law, requires and imposes for a ( Third Party ) to make or represent an consumer debt is owed, that source must be a genuine, authentic debt collector Count # 1 : Texas Attorney General Office : Is not an accredited debt collection by definition of law ( Applicable ) Count # 2 : Texas Attorney Geneal Office : Is not sanctioned by legislation or statute to hold itself out as an consumer debt collection entity agent otherwise.

Count # 3 : Texas Attorney General Office, ( XXXX XXXX ) under his term did in fact receive a check for {$7000.00} made out to ( Attorney General Office ) under, undue coercion on or about XXXX  and a check from ( Progressive Insurance ) for {$700.00}.! Because ... ... ... ... ... ... XXXX XXXX, ( XXXX # XXXX ) has been used by ( XXXX XXXX XXXX XXXX and states conservator ( XXXX XXXX XXXX ) unlawfully and " Fraud In The Factum " The SSN # Is Terminated but has been used by criminals ( XXXX XXXX XXXX ) and ( XXXX XXXX ) Unclean Hands.