23daVinci/CFPB_Complaints huggingface dataset:
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. I had a collection with LVNV and I filled this collection in my Bankruptcy. I would like to know why it is showing back on my credit report. This collection has lowered my credit score. I sent an email back on XX/XX/XXXX. Asking them about this. I haven't received a response back. I would like this item removed from my credit report. I've contacted the XXXX XXXX to assist me with the issue to get a response back from LVNV. They stated they are not reporting this and to contact the credit bureaus about this matter. Credit Bureau XXXX says they are furnishing the information to them that's the only way the item is getting reported on my credit report. I filed Bankruptcy in XXXX of XXXX, and the case was dismissed in XXXX of XXXX. My updated credit report showed the item removed. In XXXX in XXXX LVNV rereported the information to XXXX to be added back to my credit report. 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 : 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. 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, credit repair services, or other personal consumer reports

Filed Credit Disputes to all 3 credit bureaus disputing Nelnet Student Loan debt to no avail. Called Nelnet throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over Nelnet reporting system. 

Nelnet is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

Nelnet is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. I should not have XXXX accounts showing from this company. I will be getting a audit down on my loan. I also want to opt out from my information being reported under law that request need to be performed within 72 hours. 

Acct # XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My savings, checkings and credit account all were randomly closed by Chime today, received no explanation on the phone. Over XXXX in the savings and over XXXX in the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card and can not remember if it was with XXXX XXXXXXXX or Victoria secret however I opened it when my son was born and he will be XXXX years of age next month. I do not have dates and too much time has gone by however this credit card continues to appear on my credit every time under a different creditor. Right now it is with comenity bank for {$640.00} and it is on my credit report as an open account/balance which is false. Ive disputed multiple times and comes back unresolved.
Product: Mortgage

My mortgage company ( XXXX XXXX XXXX ) did not utilize the bills sent by the XXXX of XXXX to calculate my taxes/Escrow Account and monthly mortgage payments properly. I was told that when a {$73.00} bill was pushed through as my 6th month tax/escrow payment for my property it was not a concern. I 'm not sure what happened to the original tax bill sent to XXXX XXXX XXXX Company since the XXXX of XXXX is reflecting a payment of {$2400.00}? XXXX XXXX  XXXXe Company verbally accepted responsibility over the phone on XXXX/XXXX/XXXX after not responding to an email sent on XXXX/XXXX/XXXX. I was told that this was an oversight on their part and that if my mortgage was for new construction then it probably would have been red flagged and looked into further. Now my monthly mortgage payment is expected to increase by {$610.00} ... ....
Product: Credit reporting or other personal consumer reports

I making a complaint about American Express I was denied credit even though I gave them a security with my SIGNATURE and SSN giving them something of value for them to make money off of. According to the 12 CFR PART 1002 equal credit opportunity regulation, B being discriminated against and being denied line of credit. 12 CFR 1002.7 rose concerning extension of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. Also sent a letter referring to the prospectives indenture agreement that they have with the trustee on the securities exchange commission using their words stating that a XXXX score is determined why I got denied but the prospectus states it should not determine someones credit worthiness of receiving a line of credit because its inaccurate. Ive sent the companies letters notarized, telling them that its against the law, and I know my rights as an investor. Theyre making money off of my security/receivable and turn around and tell me Im denied to get a credit card went on the prospectus it shows how the security is being moved according to the pulling and servicing agreement that they have on file. Im making a complaint, but Im also going to submit a complaint to the securities exchange and the IRS for securities fraud. I gave them a Security, which is an eligible receivable. There is no reason for me to have been denied a credit card. I havent heard anything from the company so now I will get a certified forensics auditor to show how much theyve been selling my security on the XXXXXXXX XXXX XXXX XXXX Which is states that they would not sell on the secondary market, being a MORTGAGE BACKED SECURITY after I signed the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A states I have the right to privacy.

15. USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15. USC 1681c ( a ) ( 5 ) -any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C. 1681s 2 ( A ) ( 1 ) - A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Fed Loan Servicing Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX5 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I submitted a fraudulent claim for my business banking account to Bank of America on XX/XX/21 for the amount of {$13000.00}. The claim number is XXXX. I explained to Bank of America that I was scammed into sending a company {$13000.00} as a business investment and never received the products in return. I tried to recover the money by contacting the recipient and they have blocked me from all communications. Bank of America is stating they are not able to help with the fraudulent claim. I have a been a great business account customer with Bank of America for quite some time and would like if they would investigate the claim and refund my money.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I've tried to apply for an apartment and was denied due to an inaccurate and unlawfully reporting account onto my credit report. XXXX XXXX XXXX XXXXT are reporting multiple balances to different CRAs and has violated the Fair Credit Reporting Act pursuant to 15 USC 1681s-2b and are liable for actual damages and statutory damages of {$1000.00} per violation. I have not been able to apply for housing or a vehicle to commute to work due to this error. I have contacted the company and they respond with frivolous letters that does not address my issues. They claim that I owe a balance that I do not owe and they even admitted to it verbally on a recorded call.
Product: Credit reporting or other personal consumer reports

Company claims I owe them XXXX for a vehicle loan that I never had. Please show me the purchase agreement bearing my signature along with copies of my identification stating I took out a loan for said vehicle. I claim Identity Theft.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX BALANCED {$290000.00}
Product: Vehicle loan or lease

I purchased the vehicle in XX/XX/2016 for {$21000.00} from Consumer Portfolio Services. I have since paid a little over $ 15k and all has gone to interest only and NOTHING to my principle. I have what they call a simple interest loan at 20.45 %. I believe VA " Usery Law '' states interest is max 8  % on most vehicles. I contacted the company and they said I am compounding interest daily at {$13.00}. At this rate I will never pay off this vehicle or be able to trade it in. I currently owe almost $ 25k. Is there anything I can do about this? I am currently 62 days past due.
Product: Credit card or prepaid card

To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. 

In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. 

I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

Thank you very much.
Product: Student loan

In regards to group XXXX nelnet balances and payments. 
The website does not reflect the total amount due to pay off a student loan group, nor does it allows for any overpayment for daily interest. You can not over pay or try and the daily interest. Upon my payment on the website it appeared that I was paying off my group B loan in full, but my statement show I still have a balance of XXXX cents Daily interest is {$0.00}. A full business day did not pass after payment, how was interest added? My payment due is {$3.00} which is {$3.00} more than the balance and interest combined. 

XX/XX/22 statement shows a principle balance of {$500.00} and a daily interest of {$0.00} XX/XX/22 on Friday night I made a phone call to Nelnet about paying off a laon. I was advised to include the daily interest so my loan would be paid off. That amount was not provided during the call. 

XX/XX/22 Friday night I went onto the website and set up the payment of {$500.00} for the payment to process on Monday XX/XX/22 so my payment would process on Monday. The website would not allow more that {$500.00} in payment, I was not allowed to pay an extra {$0.00} for the daily interest. 

XX/XX/22 my payment was successfully processed. 

XX/XX/22 the statement shows a balance of {$0.00} and my amount due shows as {$3.00} How did daily interest apply when the payment was the less than one business day? Why is my amount due higher than principle and interest? 

XX/XX/22 I called Nelnet and made a complaint that I paid my balance for group B in full per the website. The representative said you have to also pay daily interest. I said the website does not allow payment above the balance. She tried to remove the XXXX cents but was allowed to. She asked if I wanted to pay the XXXX cents and I said it was presented as if I had paid the loan in full. I should not have to pay additional money. She tried again to removed the XXXX cents, again unsuccessfully. I said fine, I will pay the XXXX cents, but she said she was unable to for some reason, it would not allow her to process the {$0.00} payment. She said call back before XXXX tomorrow during business hours. I said ok and hung up. 

I work during normal business hours and had already spend XXXX minutes trying to sort the amount owed out. I did not take time off work to try and pay money that I did and do not believe I owe. 

XX/XX/22 statement shows {$0.00} principle balance and an estimates interest of {$0.00} but the amount due is {$3.00}. How do I owe {$3.00}? 

XX/XX/22 my balance on the website said {$0.00}. I made a pavement of {$0.00} using Nelnet website. This payment was successfully processed. 

I have other loans for a much higher amounts that I intend to pay off in the future. Will I continue to experience this problem on a larger scale?
Product: Checking or savings account

BB & T bank unfairly and fraudulently charge my account XXXX dollars in overdraft fees XX/XX/2018 claiming they process 3 Echecks that I'll have written. What bank processes Echecks in less than 15 hours and this 15 hours is the time frame I need the Consumer Financial Protection Bureau to look at, contrary to what this bank would tell you or me BB & T has never processed a Echeck in less than a 15 hours or one day period. I'm asking you the Consumer Financial Protection Bureau to look at BB & T BANK forensically concerning how and who are being charged overdraft fees and their procedures processing Echecks and you would see it's always a 48 hours procedure with BB & T bank. BB & T bank has fraudulently took this XXXX dollars out of my account operating out of the norm of the way they normally do business concerning Echecks and processing them. This is nothing but greed for the soul purposes of showing quarterly profits for BB & T bank and to benefit the shareholder. Example : I have money that should be in my account right now if they were processing Echecks at the end of each business day but that is not the case, any money going in or out of any account with BB & T bank electronically is not going to be processed in no one day. BB & T would tell you or me it's in their bank service agreement. BB & T personally told me the XXXX dollars they took out of my account for overdraft fees is their money and that's the end of the story. Is it fair no it's not.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX  XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX AND CO XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX BA XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

I have federal consolidated Stafford student loans managed through myfedloan.org. I am pursuing Public Service Loan Forgiveness ( PSLF ), and according to myfedloan.org, I have completed 104 qualifying payments ( out of 120 required for PSLF ). I have another 5 eligible payments that will qualify once I submit employer certification. 

According to myfedloan.org, I also have 8 payments that are currently considered PSLF-ineligible, but " Payment Is Pending Manual Review. '' These are payments made to a different federal student loan servicer in XXXX. I have inquired into this issue repeatedly via myfedloan.org customer service, and thusfar they have not completed the manual review after 6+ months.

Depending on the status of the payments under manual review, I could qualify for PSLF in XX/XX/2021. I ask that myfedloan.org complete their adjudication prior to that date so that I don't make additional, unnecessary payments on my student loans.