23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint against : Resurgent Capital Services & LVNV Funding LLC Ref : XXXX On XX/XX/XXXX, Resurgent Capital Services/LVNV Funding LLC was contacted by certified mail, advising I have never heard of them & do not owe LVNV {$2700.00}. 

On XX/XX/XXXX, Resurgent/LVNV  contacted me again in reference to same debt & continues to harass me to pay LVNV {$2700.00}. I do not owe this! 

The 1/2 page " Account Summary Report '' prepared by Resurgent Capital dated XX/XX/XXXX is not from the original creditor, XXXX  XXXX, XXXX. & is not sufficient & is unacceptable. It does not prove the alleged debt is in my name. No Bill of Sale they are authorize to collect or own this debt? They are trying to collect a debt I do not owe. 

Also, in the Summary Account, Resurgent didn't include the address of the Current Owner, to whom they claim is LVNV Funding LLC or any recognizable account number? Where did they get my name. Is this a scam? 

Resurgent didn't provide full verification and documentation that there is a valid debt : receipt ( s ) or statement ( s ) in Acct Summary prepared by them, showing what this debt is for in the amount of {$2700.00} or who signed the written agreement with XXXX XXXX and/or LVNV Funding. 

Who is Resurgent/LVNV Funding? Do they have a collection license from the S

tate of Texas? Again, I dispute this debt and do not have any responsibility for the debt they are atte
mpting to collect.

I have requested they stop all communication with me and record that I dispute having any obligation for this debt.
Product: Mortgage

I paid off my mortgage with Nationstar Mortgage LLC, dba Mr. Cooper on XX/XX/2020 via wire transfer. There was an overpayment of principle and an escrow account associated with the account totaling almost {$4000.00}. Nationstar acknowledges that the loan is paid off, but will not send back, or even give any helpful guidance, about the disposition of the funds it owes back to me. It is now XX/XX/XXXX, and they are still holding my funds, and refusing to respond to inquiries I've made, in writing and over the phone, for the exact amount they show is owed back to me, and when the funds will be sent. They have said " we don't know '' when asked the amount and I have received XXXX different answers ( from XXXX business days to XXXX business days ) regarding the time line. In this day and age of electronic record keeping, etc, it is not FAIR or REASONABLE that they are holding the funds, and claim to be unable to even provide details on the mater 23 days after accepting the wire transfer payoff.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and Equifax Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late.

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments.

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and Equifax will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

XXXX XXXX XXXX BALANCE {$4900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX BALANCE {$730.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  BALANCE {$750.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX BALANCE {$810.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX BALANCE {$200.00} DATE OPENED XX/XX/XXXX Reached out to company several times about charges which are not mine, advised  never lived in New York and unaware of charges needs to be removed immediately.
Product: Vehicle loan or lease

None of the options listed were relative to my situation so please only consider my written complaint. Due to Covid economy, we were having financial hardships. The financial hardship prompted me to go over all of our contracts. While going over our vehicle loan contract we noticed that the contract was NOT valid. It had never been signed by the dealership. It states right on the contract that if the contract is not signed by a dealership representative, the contract IS NOT VALID. I wrote WELLS FARGO on XX/XX/2021 ( registered mail ) and requested that they provide proof of the contract 's validity. I also sent them a copy of the original contract showing the error. My request was for them to release the title to me OR reimburse all monies paid under the contract plus a percentage of the finance charge. WELLS FARGO received my complaint on XX/XX/2021 at XXXX. WELLS FARGO replied back with a letter and stated that they had carefully reviewed my complaint and found that the contract was indeed valid. WELLS FARGO attached a contract to the letter for the same vehicle except that not one of the signatures were my own. Every single signature on WELLS FARGO 's copy was noticeably fraudulent when compared with the original. I did not then nor have I ever given any person or entity permission to sign my name on any legally binding instrument. I then wrote them again XX/XX/2021. I expressed my frustration and sent them a bill of my own which included the release of the vehicles title to me plus monetary compensation, among other things for attempting to coerce me into continuing to pay under a fraudulent contract. I requested that WELLS FARGO reply within 10 days since that would be well over 30 days with no resolve to this issue. It has now been XXXX full business days, and WELLS FARGO has failed to act in honor and I still have no resolve. Today I am submitting this CFPB complaint for the XXXX time and plan to file with all other relevant regulatory agencies within this week due to WELLS FARGO 's negligence in hopes to prompt resolve and avoid legal action.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX I found out that Bank of America Credit card as well as XXXX additional accounts have been opened under my name without my acknowledge. Those accounts related to Bank of America and they are fraudulent without my permission. I have contacted Bank of America to close those accounts. I also found out that there is an address that ties to the fraud account is not my adddress that Bank of America used.
Product: Credit card or prepaid card

JP Morgan Chase Bank Received email notification that Chase Freedom Unlimited card was applied for on XX/XX/23 Notified Chase bank who stated they will close the application and notify credit bureaus to remove the inquiry Notified XXXX, they stated they will process the dispute and identity theft claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This Southwest Credit Systems in the amount of {$110.00} IS NOT MINE
Product: Credit reporting or other personal consumer reports

Experian has neglected to correct missing account data and Experian neglected to align with the FCRA and continues to violate FCRA 15 USC 1681 & FCRA 15 USC 1681i. They have claimed to investigated several times yet refuse to update or remove these items. Experian intentionally reports items without thorough verification and accuracy. Legal action will be the next steps. 


Dept Ed- Delete/ Remove/ Do not report Account 1. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing? 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 

XXXX- Delete/ Remove/ Do not report Account 1. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing. 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 
5. What was the recent payment amount?
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report to improve my credit and better manage my responsibilities. While reviewing it, I came across a few accounts that I would like more clarification on. 

I'm not stating whether these accounts are being reported accurately or inaccurately ; Im simply unsure. I've also read about the Fair Credit Reporting Act, which affirms my legal right to challenge any information on my report that I need further clarification on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification from transunion that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report, I never provide a wet signature or authorization for this company to obtain my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction
Product: Checking or savings account

I had 4 accounts I rarely accessed. They are more or less " holding accounts '' for renter deposits. I am required to have these accounts. I was told at BBVA that there was no management fees associated with the accounts if I set up auto transfers on the accounts between a savings account and a checking account, which I did. I opened the account in XXXX XXXX. I was never informed that PNC was actively purchasing the bank. 

When my renter moved out in XXXX I tried to access the account to retrieve the funds and was then notified that BBVA was purchased by PNC. I was not told of this during a prior date or at the time of opening the account at BBVA. 

I went to the local branch to sort out the issue and retrieve my new account numbers. Of the four accounts, they could only locate one crossover account. I was told that the account balance was now $ XXXXI asked for my account closing statement at BBVA and they said they would have to look that up and to come back at another time because they didn't have access to it. They said they would not refund my money, despite never opening or opting into a specific account with management fees at PNC. They drained one account with management fees. They could not provide account numbers for the other three and could not tell me if or why the other three PNC accounts had been closed or where the money in those accounts went. 

I was then told that nobody else had this issue during the crossover. That I was " mismanaging '' my accounts and it seemed like they thought I was deserving of losing 3 accounts money and the associated history of those accounts and $ XXXX dollars in the one remaining account that they were able to produce a PNC number and account balance for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report # XXXX. Equifax did not remove all inquires requested in the report. The left the following inquires ( 1 ). XXXX XXXX XXXX and ( 2 ) XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Changed from XXXX XXXX XXXX XXXX XXXX XXXX cancelled my XXXX XXXX. Received constant bills for XXXX that I owed XXXX on my bill. I tried calling and speaking to customer svs at XXXX and they said they can no longer talk about it as the debt was referered to a debt collection. I called the collection and they said I need proof I did not pay. I have no proof. They show a bill with no detail on service I used. I paid all my bills. I do not owe them any money. Constantly receiving XXXX debt collector calls and letters. It is messing up my perfect credit. If I owed I would pay but I do not owe. So long ago I have no records on this as I was paying online. I pulled a report from XXXX and see no negatives on me but when I apply for XXXXXXXX XXXX I was dissaproved. There decision was obtained from consumer agencies. XXXX is misinformation on my credit bureau that is not correct. I tried calling XXXX. XXXX XXXX and they advised me to contact my credit breau. I am lost on how to resolve this issue. Again, I do not owe XXXX to XXXX. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE FRAUDULENT INFORMATION TO BE FURNISH / REPORTING ON MY CONSUMER REPORT AS THE CRA YOU HAVE A RESPONSIBILTY TO REPORT ACCURATE INFORMATION PLEASE SEE UPLOADED ATTACHMENTS
Product: Mortgage

My issue is this. We want to sell our home in Idaho and buy in Colorado. To be effective, we want to do our due diligence to find the best rates and offers. I've picked out 4 or 5 companies and too many of them want a hard credit pull. ( XXXX ) The problem with that is that it dings our credit rating for no reason. It's not like a denial or a loan is issued - we're just looking. The ding occurs just for asking and it dings the rateing 5 % for 2 YEARS. That's not right or fair to a consumer. They all shrug and say that's just the way it is, but I'm wondering why there are articles that say a smart person should shop around if the end result is a ding that lasts for up to 2 years. If no denial, and no loan is issued, why should it affect my score and why on earth should it last for 2 years? I'm not a rich person but have carefully managed my XXXX XXXX above XXXX and don't want to lose that. Nor do I do this type of thing every day, so mortgages are complex and stressful for me. 
With all the truth in lending, these are questions none of them have been able to answer. So I'm asking you, and asking a second question if there are questions I should be asking these lenders but don't know to ask? At this point I'm not sure about trusting anyone.
Product: Mortgage

My mortgage was with Rocket mortgage for the past 4 years. I took out a loan with Rocket because their mortgage banker XXXX XXXX who sold me the loan promised me that Rocket would service my loan for the life of the loan and never sell it and provide outstanding service. On XX/XX/XXXX my loan was sold to XXXX XXXX XXXX XXXX. My property listed on the Mortgage is located in an AE flood zone and I hold a flood insurance policy which is automatically paid from my escrow account yearly. XXXX mailed me a letter stating my flood insurance lapsed. The letter threatened a deadline to produce proof of a new flood insurance policy or I would be charged 4 times the current amount for a lender provided policy.I called XXXX on XX/XX/23 and a customer representative informed me Rocket did not transfer any flood insurance information for my escrow account with the loan transfer. I received multiple letters from Rocket about my loan being sold and transferred to XXXX stating all accounts, insurance, escrow, and auto pay would be transferred smoothly with no action required form me. I called XXXX flood insurance and they verified no updated mortgage information or payment was received from Rocket. I called Rocket to let them know the issue and the first representative verified no flood insurance letter was sent to XXXX. Then I was transferred to a supervisor who stated the loan was transferred to XXXX with all required information. I feel I was placed in a damaging situation by Rocket mortgage selling my loan and not transferring the loan properly. If the mortgage banker and employee XXXX XXXX would have not lied and committed mortgage fraud by making a fake promise I would not be in this situation all caused by a faulty mortgage sell and transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unauthorized " Hard Inquiry '' on my credit report from a company called XXXX, who was affiliated with XXXX. 

We had been in the process of looking for a merchant services account, and came across them through a link on XXXX. 

I was originally told by a person at XXXX it was a soft inquiry, and got virtually almost no information past that from the sales person, stating it was no big deal. 

I was irritated to see it and tried to submit a complaint and dispute to transunion. 
Not only was I unable to upload a proper document to submit a dispute online, I was told by a phone representative that if I wanted to dispute it, I'd have to obtain a letter from the offending party at XXXX stating that they did it. 

When I told them that that is ridiculous, and that they are asking me as the victim of misuse of my credit information, to ask my perpetrator to tell on themselves as the only way to remove this from my report. 

They stated yes. 

I told them that was absolutely ridiculous and empowering misuse of peoples credit information, leaving the victim no way to remove misuse of their information on their report. They stated it was the only way they would do it, and I told them that's a violation of my credit reporting rights. 

That's like asking a XXXX victims XXXX to self confess to XXXX, as the only way the XXXX can be convicted. I think we'd all agree there is a serious flaw there, and that transunion is in violation of my credit rights it attempting to maintain this policy. 

I want the hard inquiry removed, and for transunion to be fined heavily for violation of my credit rights. 

I have already been a victim of both tax fraud, and identity theft, and find this to be absolutely infuriating and very upsetting. 

If I did not give someone authorization to do a hard inquiry on my report, I have every right to have them remove it. 

In a day where we are seeing data breaches at credit agencies, and large companies like XXXX, to behave in this manner toward a victim of credit information misuse is sickening, and I expect action taken against Transunion. 

Please help me in this matter.
Product: Credit reporting or other personal consumer reports

ubject : Formal Complaint Regarding Inaccurate Payment History Reporting Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an issue with inaccurate payment history reporting on my credit reports by the credit bureaus. The inaccurate information significantly misrepresents my credit profile and is causing unwarranted harm to my credit score. 

These inaccuracies constitute violations of several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation upon notification of a dispute.

15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or incomplete information to consumer reporting agencies. 
I have already disputed these inaccuracies directly with the credit bureaus, but they continue to report multiple late payments that I have never made. These errors must be corrected immediately to accurately reflect my true payment history.
Product: Debt collection

I have uploaded documentation with account information I did not open these accounts and have requested proof of signature.
Product: Checking or savings account

On XX/XX/2023 someone called me from Fifth Third Bank Fraud Department 's official phone number and identified themselves as a Fifth Third Bank employee attempting to verify transactions made I'm a different state on my checking account. They listed charges and dollar amounts I did not recognize them so I stated they were fraudulent. They placed me on hold while they marked the charges as fraudulent. They stated they were resetting my online profile because it showed someone else logged into my online Fifth Third account in a different state. The call suddenly disconnected and seconds later a {$1000.00} charge hit my checking account. It was listed as a XXXX transfer to someone named XXXX XXXX along with the person 's phone number. The person that called me was a hacker that spoofed Fifth Third 's Fraud Department phone number and XXXX 'd themselves {$1000.00} after hacking into my Fifth Third online account. I immediately called Fifth Third Bank Fraud Department ( the same number the hacker spoofed ) and filed a dispute. On XX/XX/2023 I received a letter in the mail from Fifth Third Bank stating they denied my dispute for the {$1000.00} fraudulent charge. I literally gave Fifth Third Bank the XXXX information I found from the person who stole my money and the screenshot I took of the call log showing the fraudulent call cane from Fifth Third Bank and they still denied my claim. I need your assistance.