23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Capital Services L.P, Resurgent Receivables LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of Resurgent Capital Services L.P, Resurgent Receivables LLC, or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. This kind of activity suggests you are all aiding and abetting each other in committing Securities Fraud. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ).

You are all currently aiding and abetting one another in committing fraud and extortion. By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. 
If you do not immediately remove this from my consumer report, cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft. 
Extortion is a violent crime
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX  transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, XXXX, TransUnion and XXXX. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXXwo transactions was made for XXXX and XXXX both were wrong and could not be sent back or to the right person
Product: Vehicle loan or lease

I bought a used car and got loan fraud. 
On XX/XX/XXXX, I bought a used XXXX XXXX XXXX at a used car dealer called XXXX XXXX. The address of this dealership is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. The actual company name is : XXXX XXXX XXXX XXXX, Company Number : XXXX. 

The owner who bought the car was XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. He agreed that the total price including tax would be US {$16000.00}. He persuaded me to lend me US {$10000.00} at the car dealership, and the loan fee was US {$1000.00}. The other {$6500.00} is composed of {$4300.00} in discounted old cars ( a XXXX XXXX was also bought at the XXXX XXXX in XXXX for {$4800.00} ), {$1700.00} in bank transfers, and {$500.00} in cash ). All the procedures of the loan were handled through the first-stop second-hand car dealer, who asked me for a California driver 's license XXXX a XXXX passport, a US visa, and a US bank address certificate XXXX On XX/XX/XXXX, I saw the email from the loan bank I received on XX/XX/XXXX. The loan bank is Lendbuzz. Through the translation software, I know that the principal of the loan given to me by the first car dealer is {$16000.00}, and the car price is {$21000.00}, which is different from the actual car price. Huge and the loan down payment stated is {$6000.00}. I contacted XXXX XXXX immediately on the same day, but did not give me a satisfactory answer. I rushed to the second-hand car dealer at the first stop on the XXXX, but I didn't get an answer about the car price. I found the loan bank Lendbuzz, on XX/XX/XXXX, the loan customer service XXXX ( XXXX ) XXXX gave me the answer that the car purchase contract with me was a car dealership located in XXXX, XXXX XXXX, Address : XXXX XXXX XXXX, XXXX, CA XXXX, Phone : ( XXXX ) XXXX. I haven't gone through this dealership since I bought this used car and I haven't been to XXXX. 

On XX/XX/XXXX, through verbal communication with the bank, I agreed that no repayment will be required for the time being. 

I disapprove of the {$5500.00} excess on the loan and can not afford it. I propose to return this second-hand car, terminate the total loan, and return my upfront payment of {$6000.00} ( XXXX XXXX has already refunded {$400.00} in cash on XX/XX/XXXX ). 

( All the above content is translated from XXXX by XXXX )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX sent a past due balance ( which I was unaware of ) to the credit bureaus as a charge-off. I was told this account was paid off. XXXXXXXX XXXX XXXX XXXX ( whom I currently lease another car with ) was not calling the correct phone number to ask for this payment. I have tried changing this number several times and by their errors, was not changed. My credit score dropped over XXXX points on a balance I was not aware of. I spoke with several representatives and supervisors who refused to acknowledge their errors. As soon as I was told ( after sent as a charge-off ), I paid the balance. I asked for them to remove the charge-off and for their " no remove '' policy and report it accurately but they refused to. Very shady and unethical practices. They should be investigated as they have several similar complaints. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX
Product: Vehicle loan or lease

We had an auto loan through Wells Fargo. The vehicle was paid off in 2017. Im trying to trade it in towards a new vehicle and it is still showing that there is a lien on the vehicle. Ive been calling Wells Fargo for 4 days trying to get a lien release letter sent to the car dealership and they keep giving me a different answer every time I call
Product: Checking or savings account

OnXX/XX/2023 I deposited XXXX in my acount all XXXX ' bills. The ATM did not say out of order before I did it but afterwards a error popped up saying there was something wrong with the machine and they can't deposit my money or return it, my bank has not responded or went out to check the atm they have not even turned off the atm until it gets resolved this was my mortgage money!!
Product: Vehicle loan or lease

Hello Customer Relations, This letter is in reference to a late payment with the account number XXXX Last month XXXX due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. 
While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payment I was simply financially not able to pay my bills. 
I have since gotten back on my feet and brought my account up to date with your company. 
I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Experian. On XX/XX/2022 I filed another complaint against Experian asking them to provide me original documents with wet signatures, that a debt is owed by me to a company by the name of XXXX XXXX. Experian Has NEVER been able to provide me with the documents that I am requesting, If a debt is owed by me to this company, they should provide me with the documents. Experian have been avoiding sending me the documents that I have continually requested, Experian also stated they sent me documents on XX/XX/2022, but I have NEVER received any documentation. It's really leaving me to believe that everything for the past XXXX years has been handle improperly and incorrectly. They can never solidify their reasoning to believe that a debt is owed by me. By Experian improperly handling my situation is affecting my every day life, I can not get a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX continues to report negative entries on my credit profile long after the 30 days that this furnisher had to provide me the information pertaining to this debt, specifically the ORIGINAL SIGNED DOCUMENT as well as THE NAMES AND ADDRESS OF WHOMEVER VERIFIED THIS DEBT BELONGS TO ME. 

As a result, they are in violation of FCRA law 15 U.S.C 1681i ( a ), as well as FCRA Public Law 91, -506, title VI, Section 611, Subsection A-D ). 

XXXX has provided me with the statement breakdown of this debt, but has practiced deceptive methods in failing to provide me with the additional information, stated above, to prove this debt belongs to me. Profoundly they are also in violation of FDCPA law, under section 807 11. 

I have now sent each Bureau two dispute different dispute letters, advocating for the removal of this account from my credit profile and still have seen no changes made. The letters are attached below.
Product: Credit reporting or other personal consumer reports

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information.
Product: Student loan

I have been trying to apply for XXXX XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. I originally submitted the XXXX application to XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX qualified payments dating back to XX/XX/XXXX, but failed to qualify any of my employment between XX/XX/XXXX to XX/XX/XXXX, and from XX/XX/XXXX to present. My Federal student loan transferred from XXXX to MOHELA on or about XX/XX/XXXX, and on XX/XX/XXXX I uploaded the XXXX form, dated XX/XX/XXXX, with the explanation that the form was not completely processed. When MOHELA processed the form, they marked it as a " duplicate form '' with no action taken. I called MOHELA on XX/XX/XXXX when I received a status notification, explained again that the company did not action the form properly, then was asked to resubmit the form for another review. MOHELA validated my XXXX employment from XX/XX/XXXX through XX/XX/XXXX, but failed to validate my XXXX XXXX XXXX  from XX/XX/XXXX to XXXX. I contacted MOHELA again on XX/XX/XXXX to complain and request they validate my XXXX XXXX service. I was asked again to resubmit the form for review. MOHELA later marked the form as " processed '' with no action. I called MOHELA again on XX/XX/XXXX to complain for a third time. A supervisor in their XXXX Department reviewed the documents I uploaded on the previous occasions, confirmed I completed the forms properly, and was confused on why the XXXX XXXX service was not validated. I was asked to upload the form again, and it is still pending action ( status : processing ). To date, I have XXXX eligible payment, with only XXXX identified as qualifying. When the COVID forbearance expires at the end of XX/XX/XXXX, I will be required to resume payments each month until MOHELA validates my qualifying employment and completes the XXXX application process I started more than a year ago.
Product: Mortgage

Fifth third bank manages my loan for XXXX XXXX. They are the absolute worst. When they bought my loan, they didn't give any notice and my bank double paid as a result. Getting 5/3 banking setup was basically impossible when I was first trying to setup. They gave me no information on how to setup an online account or setup bill pay it took probably 8 or 9 hours to setup. Their phone system kept timing out and kicking me off. Even while on hold with a representative. I changed banks recently and changed my withdraw account on their website per their representatives instructions a few weeks before schedule payment, clearly on their website it shows my new bank account. But they still withdrew from the old account. I had to call and get a paper form to send in to get the account changed. Their Fax system didnt work to accept the form, so I had to mail it in. They sent me a follow up letter with a XXXX number to call stating the were open XXXX to XXXX ET I called at XXXX ET and no answer, the message stated the were open from XXXX to XXXX. This bank is incompetent and has wasted a good 20 hours of my time on their stupidity, lies and incompetence.
Product: Debt collection

On XX/XX/XXXX contacted XXXX. She stated I did not pay on my account and failed keep the arrangements I made. XXXX stated a payment was not received since XX/XX/XXXX. XXXX attached receipt that a payment was made on XX/XX/XXXX. 

I know this company is attempting to damage my credit by stating my payments are not being received. XXXX is unprofessional and rude and intentionally disconnected the call. Repeated attempts to call back with no avail. I want the record to show and the evidence of the attached documents that I am keeping the arrangements set by me. END OF STATEMENT
Product: Credit reporting or other personal consumer reports

My account with with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Acct XXXX Called from XXXX XXXX XXXX at XXXXXXXX XXXX cst on the XXXX of XXXX monday XXXX@procollect.com during communication the collector lied and claimed the deadline was the XXXX of XXXX They constantly call me at work and yell as soon as I ask them for proof, hang up on me. etc. Just rude and unruly behavior according to my research they are required to " Tell you the specific amount that you owe, broken down b y item and including late charges and interest ''. 
THEY DECLINE PROVIDING ANY SORT OF REAL INFORMATION THEY JUST YELL AT ME Say the name of the creditor to whom the money is owed. 
They did do that, but there's no reason I should have any sort of collections from them 0 damage past wear and tear was left behind the XXXX never notified me of said debt this just popped up in the report out of nowhere and it is off putting their tactics Give you the right to contest that you owe the debt within 30 days, and letting you know that if you do not contest the debt in 30 days, you consider it valid. 



State that if you contest within 30 days that you owe the debt, they will obtain verification that you owe it and send it to you.
Product: Debt collection

On XX/XX/2019 I reached out to XXXX  regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account.

I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after. 

I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment.

I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all. 

XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account. 

Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another. 

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

I want to inform the Credit Bureau that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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

On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from Experian, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX and XXXX XXXX as well as all three credit bureaus have my wrong birthdate, these two accounts don't belong to me never had either account. 

My birthday is XX/XX/XXXX as per proof of birthday, with me Drivers license and my birth certificate. Please get that stuff off my credit report it is of bad faith and bad will to my credit score and has hindered my prosperity in life Also the closed accounts should be taken off my account as well, they have no balance but, those two closed accounts were actually transferred to XXXX XXXX XXXX and should not be in my account at all, also have done mo inquiries in the past ten years, please stop, this atrosity