23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have experienced difficulties with a specific debt collector Resurgent Capital Services L.P. concerning the collection of a debt allegedly owed by me. I firmly believe that the practices employed by this debt collector are questionable and possibly in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. 

Outlined below are the specific concerns I have encountered during the debt collection process : Harassment and abusive communication : The debt collector has engaged in relentless and persistent communication, including frequent phone calls, despite my request for communication to be conducted in writing. The nature of these calls has been harassing and intimidating, often involving threats and abusive language. 

Lack of validation of debt : Despite my repeated requests for documentation validating the debt and proving their authority to collect, the debt collector has failed to provide adequate verification. I am concerned about the accuracy and legitimacy of the debt in question. 

Unfair and deceptive practices : The debt collector has resorted to misleading and deceptive tactics in an attempt to collect the debt. This includes making false statements, misrepresenting the consequences of non-payment, and failing to disclose pertinent information, such as the debt 's origin or applicable statute of limitations. 

Violation of consumer rights : The debt collector has neglected to adhere to the provisions of the FDCPA, such as failing to provide required notices or refusing to cease communication upon request. These actions have infringed upon my rights as a consumer and caused undue distress. 

I have diligently attempted to address these concerns with the debt collector directly, but their behavior persists. Given the gravity of the situation, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify these violations. I believe it is crucial to hold debt collectors accountable for their actions and ensure that consumers are treated fairly and with respect. 

Enclosed with this letter, you will find copies of all relevant correspondence and documentation, including communication logs and any written requests I have made to the debt collector. I hope that this information will aid in your investigation and provide a comprehensive understanding of the situation. 

I appreciate your attention to this matter and anticipate a swift and thorough response. Please keep me informed of any developments or actions taken in response to my complaint. Thank you for your dedication to consumer protection and for your commitment to upholding fair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 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. 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. 15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

And after a detailed review of my consumer report these said inquires are all in violation of the FCRA as none of them is a creditor in such assignment transactions and nobody extended me credit not to mention the dealer is by law the only creditor and, by having no intention of extending the credit disclosed in the XXXX, it too violates the FCRA at 1681b but not only that I do not Recognize many of the mentioned inquiries and I am a victim of identity theft my report is attached Inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And with me being a victim of identity theft the said accounts and inquires are possible risk of identity theft so I demand they be deleted from my file as pursuant to 15 USC 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days
Product: Checking or savings account

On XX/XX/XXXX a scammer open a Bank of America account in my name. Said scammer then got for people to XXXX to that account. Lastly, scammer withdraw {$450.00} from a Bank of America ATM, within XXXX day. 

Bank of America did not verify the person 's identity, and allowed for the immediate withdrawal of the money from a Bank of America ATM.
Product: Credit card

I made additional payments to my card multiple times in early XX/XX/year>, so when I received a notification of an upcoming autopay on XX/XX/year>, I double checked what I was seeing before that I had no remaining statement balance. So, I cancelled the autopay since my statement balance was {$0.00}. Then I was charged {$71.00} in interest on a balance that I was not aware of since my remaining statement balance was {$0.00} for the previous month. When I spoke to the rep on the phone, they advised me that the remaining balance includes the pending autopayment. I made a payment of the actual remaining on the phone, and requested a supervisor for a possible courtesy credit. 
I spoke to XXXX, where I provided feedback that it is very misleading to consumers. I know now for next time, but this should be resolved with their IT team. XXXX refused to provide any credit, and did not make any escalations to IT about the issue with showing a remaining statement balance of {$0.00} with pending auto payments. She said that she is the furthest escalation over the phone and would pass along my information and said someone would call me in XXXX  days. She did not know details as to who or which department
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have attach some documents that experian asked me to send to them so they can take care of these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Trouble contacting Equifax. Need to have the following shown on Equifax Report XXXX. XXXX, dated XXXX XXXX, XXXX show " ACCOUNT CLOSED BY CUSTOMER '' under " COMMENTS '' by item numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX Equifax and XXXX investigate these two accounts ( XXXX XXXX  XXXX and XXXX and verify the inconsistent information that is reporting on these accounts across all three bureaus. To date I have not received the requested copies of the investigations nor have the accounts been deleted from my reports. I have enclosed her a copy of the report highlighting the inconsistencies and also a tracking number for the letter I sent requesting that these erroneous items be deleted. I am aware of consumer reporting law and I have copied the section below that applies for reference. This is a violation of my rights. 

Also here are the tracking number for the letters that have been sent to date XXXX XXXX A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

I requested that XXXX Equifax and XXXX investigate these two accounts ( XXXX XXXX XXXX and XXXX and verify the inconsistent information that is reporting on these accounts across all three bureaus. To date I have not received the requested copies of the investigations nor have the accounts been deleted from my reports. I have enclosed her a copy of the report highlighting the inconsistencies and also a tracking number for the letter I sent requesting that these erroneous items be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report and Immediate Blockage under 15 U.S. Code 1681c-2 Dear XXXX, I am writing to you with a request under the provisions of the United States Code Title 15 , Section 1681i, which empowers consumers to dispute inaccurate or fraudulent information in their credit reports. There is information on my consumer report that I did not provide written permission, instructions, or consent to be reported on my consumer report as a result of identity theft. Therefore, I am formally requesting that the reporting of this inaccurate and fraudulent information be blocked and deleted.

My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer.

In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being.

Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report.

The identified transactions are not information related to any transaction by me as the consumer and must be deleted and removed from reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the regulations stipulated in 15 U.S. Code 1681b, governing the permissible purposes of consumer reports, I hereby demand the immediate removal of all inquiries not initiated by myself from my credit reports. Specifically, the following inquiries are unauthorized and must be promptly deleted : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I awoke to several alerts on my phone showing transactions that occurred overnight. 6 at XXXX totaling {$870.00}, 1 at XXXX {$87.00}, 4 at XXXX XXXX XXXX - {$230.00}. I called the number on my card immediately. They said that they would send out some dispute forms for me to fill out. 

When they arrived almost two weeks later they only had the XXXX disputes listed. I had to calll and remind them there were others. I completed the forms and sent them back. 

This week XXXX and XXXX XXXX funds have been returned to my account. Today I received a letter stating the XXXX Dispute has been denied due to conflicting information. They did not tell me what the conflict was. 

I have called them several times and have been hung up on and basically given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. Bank of America : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. XXXX ; opened XX/XX/XXXX ; Account # XXXX 4. XXXX XXXX Account # XXXX 5. BK OF AMER Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. XXXX : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) acct # XXXX The following inquires were not authorized by me : 1. Bank Of America ( Bank ) XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date XX/XX/XXXX
Product: Credit reporting 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  [ XXXX XXXX XXXX ] : account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

These accounts were not opened by me. I am a victim of identity theft. I have filed a complaint on these accounts.
Product: Vehicle loan or lease

I was given a pre approval from my credit union, XXXX. 
The dealer, XXXX XXXX said it was not an approval and they set me up with Westlake Financial. The car was XXXX I put XXXX cash deposit. They said they had to hike up the amount of the vehicle because Westlake charged them a dealer fee so they made it look like I was paying XXXX for a warranty. The total to be financed ended up being almost {$18000.00}. Four days after I took ownership of the vehicle the alternator went while I was driving and I almost had an accident. The vehicle was towed to the dealer and I told them I want my money back. The dealer is refusing and Westlake says it he alternator is not a big deal. I then told Westlake I want to do a voluntary surrender and they said I have to make a payment before I can do a voluntary surrender. 
I feel like Westlake and XXXX XXXX ( the dealer ) is working together and no one is taking my situation into consideration. I went to the XXXX and the dealer lied. I went to the XXXX attorney General and I was basically told too bad because the vehicle has XXXX miles.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car. I asked the dealer if the only ran my credit they said yes only them well they lied and sent my info to many different credit lenders i did not authroize and i contacted each one by mail no repsone and one did  reply and said i applied for a XXXX car and i have never even looked at a XXXX in my life so they also sent false information on my behalf also. It is damaging my credit for these unauthorized inquires on my report. they also did it in two different dates XX/XX/XXXX and XXXX and i didn't Authorize that it was from XXXX imports on XXXX XXXX XXXX Ohio XXXX and list of creditors are XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  twice on there XXXX XXXX XXXX XXXX on there twice XXXX XXXX on there twice
Product: Credit card or prepaid card

I am a proud XXXX old American citizen and a good standing Citi client for three decades. I firmly believe in the sound American moral values and can not believe that the Citi team of investigators took the side of a criminal XXXX Organization by the name of XXXX XXXX in a case where the scam/fraud is so evident. 
I normally take my precautions to avoid criminal traps and schemes, and, in hindsight, I should have not used my card in a XXXX Bar, but I errounesly taught I I would have some protection from an institution like Citi Bank that claims to be on the consumer side before, during and after any purchase. 
Almost {$20000.00} ( approximately my Social Security yearly payment or the price of a car ) where charged in a couple of hours in a foreign country Bar on XX/XX/2021 without triggering suspicion and an alert to the card holder. 
In absence of red flags, I expected some form of protection from Citi Bank, and I called as soon as possible asking to block my card, when the criminal charges were still pending. 
The calls and the circumstances were vetted and verified by the Citi Office of the President. Denying the absurd charges to these criminals would have been the easiest way to resolve the matter. I have no doubts that I am one of hundreds victim of their criminal scheme. These habitual criminals would not and could not have any justification for their fraudulent charges and would have accepted the denial of their bogus claims without questioning. Ruling in their favor means to encourage criminal activities.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX  XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i