23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received communications from Resurgent Capital Services about a debt I know nothing about.

I have 2 letters all dated on the same date of XX/XX/2018.

1. Reference ID # XXXX in the amount of $XXXX
2. Reference ID # XXXX in the amount of $XXXX

I have a XXXX credit card currently and it is in good standing. 
I don't have an account with XXXX ending in XXXX.

I have zero clue what this is but I have been a victim of identity theft in the past.

I have written to the company disputing the debt but have not had any communication on validation of this debt in any form. 

I have sent letters to this company in the past and then they go quiet. Then a year or so later this resurfaces again with another attempt to collect something they can't prove is mine.

I just have a letter telling me to pay it without any information except some made up numbers.

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

XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX - partial account number ****XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report. 

I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Online police report from local sheriffs office along with FTC ( Federal Trade Commission ) Report supporting my Data Breach/Identity Theft Dispute.

The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

ATTN : Legal Department, Report Number XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1.XXXX XXXX never done business with this company please delete. 
2.XXXX XXXX never done business with this company please delete. 
3. XXXX XXXX This account was paid with Original Creditor error please delete. 
4. XXXX XXXX this account has never been verified error please delete.
Product: Debt collection

Rushmore LM has continually called my cell via an automated dialing system. My phone has prevention of automated or robo calls. Allows to ring once then sends to voice mail. The message left on the voice mail is an automated computer generated voice in violation with Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C. 1692d ( 6 Never is the number have any description of the company name nor when they call me home number. They were removed from calling my cell phone 2 years ago only to contact my landline. This violates laws under both FDCPA & TCPA laws.
Product: Credit card

Letter was sent to me dated XXXX, stating they had enrolled me in a Credit Protection Program from XXXX to XXXX that I didn't authorize nor was I aware of. In that time time frame they took {$340.00} in fees. They did not make me aware of this until over 20 years later. Considering they had access to these funds for over two decades, and how banks use Fractional Reserve Banking to 10 times the amount of these of funds, it's easy to see that they made quite a bit of money in over 20 years time using it.
Product: Mortgage

I received A refund check from Navy Federal Credit union in the amount of {$98.00}, for my escrow. During the months of XXXX and XX/XX/XXXX, I paid extra escrow in the amount of {$450.00} to cover the shortage just in case there was one.

Navy stated to me that my Home owners insurance went up more. My question to Navy Federal was that if you sent me a refund check of {$98.00} Why is my monthly payment going up from {$860.00} to XXXX. The representative stated that was for my insurance. To me it does not make since. 

The increase is suppose to take effect on XX/XX/XXXX. 

If I paid the extra XXXX, and received a refund, my payments should not have gone up.
Product: Mortgage

After losing my business and enduring financial hardship I called US bank for help and was told nothing could be done for me unless I was in default. After going into default I went through the Mortgage Adjustment Program ( MAP ). The first time through the payment was very near the original payment and with only about 30 days notice I was unable to begin the trial period. I submitted a second time with only my income as my wife and I separated and she no longer lived on the premises or shared in the costs. I was approved and received final MAP agreement around XX/XX/2017. I have until XX/XX/XXXX to accept. The bank has added $ XXXX to my principal for missed payments. There is no discussion or negotiation. My principal went from {$140000.00} to {$180000.00}. When I inquired, I was told that they simply tacked on 41 missed payments to the end of the loan. The predatory nature of this is that I did not BORROW more money, I missed payments. Logic would dictate that I would be charged interest for the 41 missed payments, not the amount of each payment including the portion that would be applied toward the principal. I am being charged my own principal payments??? How is this legal?
Product: Mortgage

In XXXX of 2010, I received a Discharge of my Ch. XXXX bankruptcy debts. During the time leading up to, during, and in the 7 years since the Discharge I have been consistently current on my payments to my mortgage lender, Bank of America and have rebuilt my credit score to XXXX. I applied to Bank of America to refinance my existing loan, ( NO debt consolidation nor cash out involved ). Two days before my lock-in/application were due to expire, I was advised that without a Reaffirmation Agreement, Bank of America would not proceed with processing my loan and that my application would expire in 48 hours. All other conditions apparently were satisfied. 
I had offered to complete and execute a Reaffirmation Agreement using the form I obtained from the U.S. Bankruptcy Court on-line. ( I understood that the Lender is required to send the Reaffirmation Agreement to the Borrower ; Bank of America has refused to do so. ) I also understand that a Reaffirmation Agreement is not an absolute requirement, and that many lenders make loans without one. 
The bank 's position on this matter defies logic. The refinanced loan would be " clean '', replacing the one that is in their " Bankruptcy Department 's '' books.. Why would a Reaffirmation Agreement be required for a loan which would only be outstanding for a few days?
Product: Vehicle loan or lease

Im a XXXX XXXX who is XXXX  and on XXXX. I was XXXX for extra money to be able to pay my car loan and due to the pandemic she chose to take her child elsewhere. I have tried working with my auto loan financial company who does not refinance, and they just want to break up the past due amount and add it to the current payment amount. I can not even make the current payment amount Im three months behind XXXX XXXX XXXX now coming up XX/XX/XXXX of next payment is due they wont lower my payments they wont lower the interest rate theyve already extended it two times to the end of the loan. I need my vehicle to get my kids back-and-forth to school I dont really want to turn it in to Capital One but I cant afford the payment any longer. Thank you
Product: Credit card

I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX issued me XXXX credit cards and I have had these cards for years. I pay all my payments on time. 

The issue is that the company does not report the correct balances each month and the balance they submit is always higher than actual balances and it makes my FICO Score go down and now I am tired of this happening and want it to stop. 

Wrong Balances on Both cards.
Product: Credit reporting

Experian is currently reporting a collection account from XXXX XXXX & XXXX on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. This account does not belong to me and should not be reporting on my credit file. i have never rented an apt from this company i have lived in my home since 2006 with an open current mortgage. this is not my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX/DOFED last report XX/XX/year>2024 for {$1300.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.
Product: Credit reporting or other personal consumer reports

For whoever it concern this accounts were never authorized and late payments were never late...
Product: Debt collection

I moved out of the XXXXXXXX XXXX in XXXX XXXX, TX on XX/XX/XXXX. This move out was confirmed via email from XXXX XXXX of XXXX XXXX XXXX XXXX, the management group of the apartments. ( See below ) Around XX/XX/XXXX I received a letter in the mail from the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I owed the XXXXXXXX XXXX {$550.00} for rent from XX/XX/XXXX - XX/XX/XXXX and other erroneous fees. I called the XXXX but the manager, XXXX, was not available so I was given her email. I send her an email ( attached below ) informing her that I never received notice of any fees or owed rent prior to it being sent to collections and I only found out through a letter from a law office. I explained the full situation in detail and provided the emails between myself and XXXX XXXX. I also reached out the XXXX directly and never received a reply. ( See email below ) I also provided this information to the law office that was attempting to collect, informing them of incorrect information and providing proof yet no amount was changed. It is still on my credit. I also disputed it with the credit bureaus. XXXX removed it, but XXXX and XXXX did not.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA, AND IS STILL TRYING TO COLLECT SAID DEBT AFTER THE S.O.L. PERIOD EXPIRED IN ILLINOIS OR 5 YEARS. LASTLY, SKIP TRACING ME BROTHER AT (XXXX) XXXX AND (XXXX IN VIOLATION OF TCPA, AND KEPT CALLING MY CELL (XXXX) XXXX.UNLAWFULLY REPORTING ON CREDIT FILES IS A MAJOR PROBLEM AND MUST BE PUNISHED.
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. 

XXXX of XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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.
Product: Mortgage

My wife and I have a first mortgage on a condo and have been in forebarance due to COVID. Instead of foreclosing, we have found a buyer for our condo and are supposed to close on XX/XX/21. Our closing attorney office has found that PNC has incorrectly filed the Deed paperwork for the second mortgage LOC that we paid off a couple of years ago, before the pandemic. Due to the incorrect Deed paperwork, we are unable to close and have spent multiple days trying to work with PNC to get the Deed paperwork filed correctly. PNC failed to identify the Tax Parcel ID, which was left blank, along with other errors. We expressed the severity of needing the corrections made so we can close on the condo property but PNC has not been responsive to our requests to correct the matter. This error has not only caused undo stress, but will also result in monetary penalties on my part due to their lack of accuracy and responsiveness. Our closing will have to be delayed and PNC representatives who have assured us the issue will be resolved have not responded as promised.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

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

There is a Collection Agency that has been listed on my credit report. I have no knowledge of the debt. I am unable to contact the Collection agency to resolve this matter. I believe this debt is invalid and is not mine. This company must provide proof of validation of a contract of an obligation of debt. 

Account Name : XXXX XXXX Account Number Unknown