23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I consumer XXXX XXXX have NOT entered into a consumer credit transaction with Resurgent Receivable LLC. No finance charge was involve.

Different debt validation letters where send to Resurgent Receivable LLC to confirm alleged debt. Resurgent Receivable continues to report this dispute information without providing proper validation this is a direct violation of the FDCPA, AND FCRA which protects consumers from abusive, deceptive, and unfair reporting practices. 
No validation of deb have occurred fro the alleged debt.
Product: Credit reporting

I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.
Product: Payday loan, title loan, or personal loan

received a missed call from XXXX returned call it was XXXX XXXX, i gave permission to the represenative to speak with my husband XXXX XXXX XXXX who i thought had written permission sent in to XXXX XXXX.i provided permission to speak with XXXX XXXX my spouse again. the name of the rep we spoke with was XXXX XXXX, he put me on extended hold and he stated a l. to tried to contact about overdue payment but he noticed a lkarge poayment was made and system hasnt updated, my husband tersely interjected and stated this cal is not warranted account is due thru XX/XX/XXXX, and do not call again and this matter was supposedly handled by XXXX XXXX # XXXX XXXX XXXX, he was advised to cease and desist orally from any further contact and that will be backed up in writing, account is not over due even there website is showing past due incorrect, this is wrong.proof attachment included
Product: Mortgage

I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.
Product: Debt collection

Pursuant to the Fair Debt Collection Prac tices Act, 15 USC 1692g Sec. 809 ( b ), XXXX claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirement under the electronic fund transfer act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. and according to the fair credit reporting act whenever a consumer reporting agency proposes, a consumer report is shall follow the reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates the account. Account name : XXXX XXXX. # XXXX Acct name : XXXX XXXX. # XXXX Acct name : XXXX XXXX Acct name XXXX XXXX XXXX  XXXX # XXXX Acct name : XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX XXXX # XXXX Acct Acct name : XXXX XXXXXXXX # XXXX Acct name XXXX XXXX # XXXX Acct name : XXXX XXXX XXXX XXXX XXXX Acct name : XXXX  XXXX XXXX # XXXX Acct name : XXXX XXXX  no acct num Acct name : XXXX XXXX XXXX XXXX Acct name : Acct name : XXXX XXXX # XXXX Acct name : XXXX XXXX # XXXX Acct name : XXXX XXXX XXXX XXXXXXXX # XXXX Acct name : XXXX XXXX XXXX  # XXXX I sent a letter on XX/XX/year> asking them to reinvestigate the accounts. I got the investigation back, but noticed nothing was modified or updated so I requested a description of the reinvestigation and they did not provide it to me, which is a violation of 15 USC 1681i7.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.
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 U.S.C. 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX ; has violated my rights to privacy.

- 15 USC 1681 Section 602A states I have the right to privacy.

- 15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account information without my written instructions.

- 15 USC 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 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I had a credit card from XXXXXXXX XXXX  and my consumer rights were violated under the Privacy Act. XXXXXXXX XXXX  discloses that they do not share customer information with non-affiliated third parties, but they shared account information, my personal information, and transaction history. Per 15 USC 6802 ( b ) 1 ( B ) and ( C ) : B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I affirm that I was never provided the opportunity to opt out nor was I given any explanation of how to exercise these consumer rights and this has directly disabled my ability to access credit and resources. The evidence shows that they at least provided information to Equifax and XXXX who are not affiliates of XXXXXXXX XXXX XXXX
Product: Bank account or service

TD Bank provided me XXXX different visa debit cards for the same business account. In trying to obtain help on which to use, TD Bank had me on hold for over 15 minutes, playing advertising continuously the entire time, which means that it was not even possible to turn down the volume and wait for a voice. Also, no call back option. They have proven themselves the opposite of their slogan " America 's Most Convenient Bank '' and have egregiously wasted my time.
Product: Debt collection

I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services. 

*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus. 

I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

According to Equifax, XXXX XXXX alleges the date of first delinquency is XX/XX/XXXX. However, XXXX clearly states in its XXXX XX/XX/XXXX response " Your account was charged off on XX/XX/XXXX ". In XXXX XXXX XX/XX/XXXX response to my state 's attorney generals office, XXXX alleges the reason the account is not reporting accurately, is because " I entered into a payment agreement. '' However, I entered into no such agreement and this is confirmed in XXXX XXXX XX/XX/XXXX response, " Additionally, we are unable to locate a payment agreement from you. '' In absence of any sort of payment agreement for this open-ended account XXXX has XXXX re-aged the debt. In an earlier XXXX XX/XX/XXXX response XXXX alleged the account was not being reported as charged-off due to " multiple billing reconciliation disputes. '' Thus XXXX is undoubtedly aware of the inaccurate reporting for this account/tradeline. Now, XXXX acknowledges a re-aging took place on a single occasion in XX/XX/XXXX to resolve XXXX of many billing errors ( see XXXX XX/XX/XXXX XXXX response ). However, those attempts failed and have inflicted additional harm on me as a consumer by reporting fresh delinquency statuses that now are one-hundred XXXX ( XXXX ) days past-due for the fifth ( XXXX ) month in a row in XXXX, when the account was alleged the first date of alleged delinquency would be XX/XX/XXXX. Thus, XXXX re-aging of the account in XX/XX/XXXX now expands the time by which the derogatory stao have been charged-off in XX/XX/XXXX. Federal law indeed requires that XXXX charge off accounts not later than one-hundred XXXX ( XXXX ) days after date of first delinquency. That date of first delinquency would be at most the one-hundred eightieth ( XXXX ) day immediately prior to XXXX XX/XX/XXXX. However, from XXXX own reporting to Equifax, the first date of alleged delinquency would be XX/XX/XXXX. Thus, XXXX re-aging of the account in XX/XX/XXXX now expands the time by which the derogatory status will remain on my credit report by nearly an additional XXXX ( XXXX ) years simply because simply because I filed billng errors to rectify a slew of issues that had been insufferable since early XXXX. XXXX 's own behavior has caused me to be denied permanent lodging due to tenant screening companies reliance on credit reports and scores. The practices of XXXX are therefore not only unfair and unlawful, but are additionally abusive. No consumer should have to experience what I have due to the negligence of XXXX XXXX. XXXX has demonstrated it neither has intention nor capability to correct the false/misleading/inaccurate reporting. As such, the appropriate action for Equifax is to remove the account/tradeline from my credit file and/or to remove any and all derogatory payment status and payment history for years XXXX and XXXX and to then block XXXX from providing any XXXX information for the account/tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED from my TransUnion Credit Report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

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

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX  Original creditor : XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX Account number 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 a account without my written instructions
Product: Vehicle loan or lease

Back in late XXXX - early XXXX during the height of XXXX, I WAS LAID OFF FROM MY JOB AND WAS OUTTA WORK FOR ALMOST 2 YEARS. At the time I had a XXXX XXXX XXXX in which my payments were {$960.00} a month or close to it.. I always made my payments on-time. 

The car was repossessed due to me being laid off from work ( outta work for XXXX ), catching XXXX, and not being able to make payments. XXXX was tuff because I almost died from this virus. 
The car XXXX XXXX XXXX # XXXX was sold at auction for {$20.00}, XXXX on XXXX. XXXX, XXXX. 

The file has been placed with XXXX and XXXX XXXX # XXXX and they are requesting a payoff amount of {$26.00}, XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware that my social security number was stolen and I wanted to check my credit report to ensure that no one has opened accounts in my name. I went to the websites of the three credit reporting agencies to check my credit report on XXXX XXXX. XXXX  and XXXX  were accessed with no issues. Experian has been quite frustrating. When I login to their site to request my free annual credit report I encounter an error. I have contacted the company on at least three occasions to remedy this situation with no luck. The phone center is a bit of a joke since it pretty much sends you in a circle. The website says call the number on the screen. When you call the number and choose the " membership '' issue it directs you back to the website and the circle starts again. I also tried the website for the free reports ( annualcreditreport.com ) and could not access the Experian report. I am writing this on XX/XX/2021 and still no resolution to the issue. The company indicated that their website has issues verifying my identity, but it never gets resolved. They keep on sending me emails to just log in to their site. I appreciate your help with this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on 2016. XXXX XXXX reported on XX/XX/ amount {$7200.00} and XX/XX/2016 amount {$6100.00}. But I did not use it at all. I will attach police report documents to support my complaint .Please help.
Product: Credit reporting or other personal consumer reports

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Experian credit reporting agency, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX on XXXX on XXXX credit card From XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX was open XXXX of XXXX XXXX & XXXX account number XXXX was open XXXX XXXX XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.
Product: Mortgage

This is my 3rd complaint for the same issue with Wells Fargo Mortgage. 
Wells Fargo has misappropriated my funds. As of XX/XX/XXXX, I called into Wells Fargo and paid {$1600.00} for the storage of my escrow while on a modification trial. I was informed by my case manager XXXX XXXX, XXXX XXXX, and an Executive Office Case Specialist XXXX XXXX case # XXXX in writing that my funds would go toward the escrow storage and all I needed to do is make up the difference for the trial period as the end all funds would be applied appropriately, and my payment would be under {$880.00}. I filed a complaint with CFPB Wells Fargo sent in the following response below : Thank you for the opportunity to address the concerns about the trial plan payments and final modification figures. We've reviewed your concerns and are providing you with details about our findings. The escrow shortage payment made in XX/XX/XXXX was applied to escrow as intended. The trial plan payments were required to be made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We found you were given inaccurate information during the XXXX conversations you had with our home preservation team in XX/XX/XXXX. You were advised you didnt need to pay the XX/XX/XXXX and only a portion of the XX/XX/XXXX trial payment. We apologize for the misinformation you were given and have remediated the account in the amount of {$1600.00} so that we can issue new modification documents to properly adjust the account as you had intended and what you were told would happen. Here are important account details we'd like you to know. We will be applying the {$1600.00} as trial payments and will be drafting new modification documents. You may be required to make a XX/XX/XXXX payment. We will monitor this until the new documents get released. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

Wells Fargo stated they would Draft new Documents but sent the same exact documentation with a different date, now I am being told they are not changing the amount of and are allowed to ask for additional amounts for a cushion on in my escrow which is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
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.

I am a victim of identity theft and noticed a collection from HUNTER WARFIELD. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

Apparently PNC has stopped allowing their bank accounts to be connected to XXXX. This renders XXXX virtually useless for me since I can no longer transfer funds to my checking account.