23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/20 I sent correspondence to Resurgent Capital Services stating that I was a victim of identity theft ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
The letter was sent Certified Mail Return Receipt, and was in Resurgent Capital Services possession as of XX/XX/20 ( XXXX Receipt_Resurgent Capital Services_item mailed XXXX ). 
The letter explained to Resurgent Capital Services, that I am a victim of identity theft. In addition, the letter informed Resurgent Capital Services responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Resurgent Capital Services was asked to provide me with the records I requested ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
XXXX, Resurgent Capital Services was in receipt of this request on XXXX/XXXX/20. The 30-day deadline for me receiving the required documents has passed as of XXXX/XXXX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( XXXX ). Each guidance document states that businesses must provide records directly to victims upon request. 
It appears that Resurgent Capital Services failure to provide the requested documentation does not comply with the requirements of the FCRA. Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of FCRA Section 609 ( e ) 15 U.S.C. 1681g ( e ). 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of reporting incorrect information by Bank of America, branch @ XXXX XXXX XXXX, XXXX, Ca. XXXX, ( Manager ). 
Falsely reported unpaid balance when there was no balance. 
This reined my life financially. I have sense had this item removed from my credit after 5 years. 
I am currently trying to recover damages and loss due to this illegal action taken by Bank Of America. 
Now, refuse to allow myself to open an account with giving a reason further damaging my financial well being out of " spite ''. 
Manager accused me of entering Bank to look at female Tellers this is sexual harassment and embarrassment. 
Bank Manager said to me " they should not have closed your account for reason given. 
Bank used Credit Reporting agency to prosecute me illegally and for a crime I did not commit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XXXX
Product: Other financial service

I entered into a contract with Trinity Credit Services and was told that I had to pay them {$890.00} for their services. I paid them on XXXX ( {$300.00} from my visa ), on XXXX ( {$200.00} from my visa ), and on XXXX ( {$200.00} from my XXXX ). The total restoration fee was {$710.00} based on a {$170.00} discount granted me if I agreed now. On XXXX, XXXX XXXX pulled my credit report and I discovered no changes were made in terms of deletions of inaccurate information. XXXX XXXX stated that they were still working on the file. I asked her about the investigation on XXXX XXXX XXXX XXXX. I indicated that this company failed to : state the original date of default, the date the debt was transferred from original creditor to XXXX party debt collector, the original balance, the current balance, and surety bond information. I was told by Trinity Credit Service representative ( s ) to forward all correspondences to their office which I did. This included the collection letter from XXXX XXXX XXXX XXXX. Since XXXX XXXX assured me that they were still sending out investigations, I said ok. On XXXX XXXX, I received a congratulation email from XXXX XXXX who enrolled me in the program and who took my payments for their credit repair services. I contacted XXXX XXXX and asked him what was the congratulation for, he said your XXXX days are up and I said well there has not been any deletions to my credit report. XXXX XXXX said well that 's the way it is but you 're done. This confused me so I called XXXX XXXX who also forwarded me the a similar congratulation email. XXXX XXXX said she was still working on my files and to disregard XXXX XXXX 
XXXX XXXX. I asked XXXX XXXX again as to what they were doing on the XXXX XXXX XXXX XXXX collection case since a review of my file showed XXXX investigations. I told XXXX XXXX that I forwarded a complaint against this company to the Texas Attorney General Office under case # XXXX. When I also mentioned the XXXX XXXX case and the XXXX XXXX auto loan account as being delinquent. XXXX XXXX said that she was still working on my file. On XXXX, I spoke to the receptionist at Trinity Credit Service and requested proof of the correspondents forwarded to the original creditors and collection agencies on my behalf from the owner of the company and all return responses of these creditors and collection agencies. The receptionist said she would pass my message to the owner of the company. I told her to have their staff to continue working on my file since that 's what I paid them to do. It appears that this company has engaged in deception trade practices and has violated the Federal Credit Repair Organizations Act ( 15 U.S.C. 1679 ) by misrepresenting what it could or could not do, by altering the days of cancellation, and by collecting money before all promised services are performed. In terms of deceptive trade practices, this company never contacted any creditors or collection agencies ; therefore, they are unable to provide me with documents send to the collection agency as part of their investigation and the responses of the collection agency and other creditors in verifying the alleged debts.
Product: Debt or credit management

experian They never update my credit on time. They only report when I make a purchase they never update when I pay it off or some off
Product: Credit reporting

Equifax have re-inserted an Item that was deleted almost a year ago. per FRCA,  the CB 's  did not inform me within the 5 days of re-insertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Vehicle loan or lease

I had initially called in to my auto loan company ( Ally ) to find out if I could decrease my interest rate, not because I wanted to decrease my monthly payment but wanted to pay off my loan sooner. The person I spoke with told me that this was not possible. There had been no communication since. On XX/XX/2018 at XXXX I received an email stating that my automatic payment had been cancelled. I tried logging into the company 's web portal and it informed me that my account had been closed. These were not authorized changes to my account and at no time did I verbally or in writing agree to any changes. When I contacted the company they told me that they had cancelled the automatic payments because I requested to have the loan rewritten to reduce my monthly payment by spreading my payments at the same interest rate over a longer period of time. The company insisted that no other changes were made to my account other than suspending automatic payments. I have the screenshots showing that my account was completely closed proving their lies about what was and what was not changed. Over the weekend the company was operating with an overseas call center and refused to put me in contact with someone who could have had the issue corrected. I have made 100 % of my payments on time. Now, because of the unauthorized changes to my account the company did not take the scheduled payment on time and my account is now past due, through no fault of my own. The way they had closed my account I couldn't even make a payment to my account. I was able to ultimately get escalated to XXXX XXXX at XXXX who guaranteed me that my account was corrected. I have screen shots showing that my account was in a past-due state. i asked her about this and she assured me that I would see the automatic payments start again over night, my payment would be processed and that my account was indeed in good standing. Today, I am now getting collections calls from Ally telling me that I am past due and that they want their money. My account still shows that it is in a past due state. I have literally been trying to pay them and they aren't taking the money. This is putting my account status and my credit score in jeopardy. I am looking for someone to investigate Ally the way they did XXXX XXXX. If this happened to me, it has happened to others. These types of unauthorized changes can not be legal and only benefit Ally. If I didn't read my email I would have been reporting my car was stolen three months from now and then finding out that they repossessed it after making illegal, unauthorized, changes to my account.
Product: Credit card

I never opened a chace credit card in XX/XX/XXXX I 'm assuming someone else did with my information had a purse stolen back in XX/XX/XXXX from a bar ... This person stole everything I had in my purse from checks to my cellphone and all sorts of information ... just noticed the date on this knowing it was somthing I never did did n't have credit card at that time ... so idk what to do because it was n't me who applied or got a card at that time!!
Product: Debt collection

The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money
Product: Mortgage

Hello I was given a loan estimate with closing costs of {$7000.00} dollars. This included {$2300.00} in loan costs + {$4700.00} in other costs. Completed some paper work and then provided {$500.00} dollars of good faith funds. A couple hours later that night I get a email message saying the loan estimate has been revised. Looking at it the closing costs went up to {$10000.00}. Now included {$5800.00} in loan costs + {$4300.00} in other costs. Basically they added 1.5 % of loan points at a cost of {$3700.00} dollars. The fist estimate only had XXXX of loan points at a price of {$310.00}. Can they legally do that approach of a bait and switch on my loan estimate? I called the loan manager and he said it was a system error and would be corrected but I have yet seen the updated original loan estimate. Now they want to keep my {$500.00} dollar good faith payment. The mortgage banker got an attitude when I called him and asked what happened. He said he was going to cancel my loan and keep my {$500.00}
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year>2024 the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit card or prepaid card

As mentioned my house burned in XXXX and contacted my lenders. 

XXXX filed to update my address, this change was done 2-3 times, prevent me from receiving statements ( per law ). 

I have requested arbitration and looks like XXXX is pushing back. 

This company only spoke about hardship programs but was unable to apply one when on need. 

They check marked me 150 days late, when multiple calls were made to correct billing.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian block and remove the following fraudulent inquiries from my consumer credit report. These inquiries are a result of identity theft and fraud. Per FCRA, I expect Experian to take action within four business days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

My information was sold/bought illegally because I was a victim of the Equifax Breach of 2007 and my credit file continues to suffer from this breach. Equifax has admitted that I was in fact a victim of this data breach ( see attached proof ) and Equifax has done nothing or made it impossible to obtain a remedy when fraudulent activity has occurred in my credit files. I've been disputing inquiries that I never made ( written dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - plus various other disputes related to inquiries that were filed online ) to Equifax and require your assistance in removing these illegal inquiries from my credit reports. Each time I have disputed this information, Equifax has failed to provide proof of the permissible purpose authorization and fails to investigate the dispute. Equifax simply sends me back a pre-formulated response about the inquiry being a factual record. THEY HAVE NOT VALIDATED/VERIFIED THE DISPUTE. I've also communicated directly with each creditor and they have indicated they have nothing showing I authorized these inquiries. The inquiries are as follows : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard  inquiry, please delete it. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this XXXX  inquiry, please delete it. 

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it.

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it. 

Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it. 

Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it.
Product: Mortgage

XX/XX/21 - I am a long time customer with Bank of America. I have used them for my first mortgage and tried to use them for other mortgages as I have purchased new property. The lending process is always different. For example one will give a pre qual letter without running credit but other times its now required. I have a friends in the past month where this was not required but it was asked of me. I also noticed the apr I was quoted verbally was much higher then the website and my friend who has a similar credit score and debt. The only difference is our nationality. I find that the lending process and loan officers are not fair or equitable when quoting rates, apr or in the process. Regardless of credit the rates are always much higher and I am charged more for services with Bank of America.
Product: Money transfer, virtual currency, or money service

I was working with someone to rent a home and they refused to send me a refund and stopped responding when I changed my mind on the rental. I reached out to my bank, Chime, and informed them and asked if they could assist in returning my money to me as the transfer was within the banking system to another Chime bank customer and I was told they couldnt do anything for me and to call the police and go to small claims court. When I asked how they stop their customers from using their platform to scam people out of their money I was told they had no procedure to do so and that prevention and educating their customers that they dont provide fraud assistant on transfers within their bank to other bank customers who are defrauding people.
Product: Credit reporting or other personal consumer reports

XX/XX/24 there was an inquiry made on my credit report from a barclays bank in Delaware and also XXXX XXXX  for a credit card that was not done by me. I have reached out to both companies to have inquiry removed and to put a stop to applications. They granted the termination of application, however, they said they can not remove inquiry from my credit report
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. It is reported by CREDENCE RESOURCE MANAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Equifax is not complying with my request as these inquiries unauthorized and potentially fraud. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Reported unauthorized transactions and my account was closed without returning any funds.
Product: Checking or savings account

The long and the short of it is I've been locked out of my account ( in joint with my wife ) for withdrawing approximately XXXX USD to my checking account at my local bank for investment purposes ( it's where all the money came from initially ). 

It's worth noting that the XXXX transfer went through without issue. My account was locked AFTER that, but BEFORE I tried to move some more over. Baffling. 

If they suspected something was amiss, they didn't bother to block the initial transfer, nor did they contact me via all means necessary ( phone, e-mail, etc -- they have all my contact information ). They just let the money sail and locked me account afterwards. 

When I received ( and missed ) a call from Marcus, upon calling them back, they insisted I needed to be sent a 'one time code ' to unlock my account, but that my phone number isn't registered in my name. It is and has been for several years, now. I'm with XXXX XXXX XXXX pre-paid, if it matters. 

Now, I'm stuck in a loop where I call to inquire about having my account unlocked and they insist they can't help me because they 'back office ' needs to handle it directly. 

I've already missed an investment window because of this and they're still dragging their feet about getting back to me. It's literally costing my wife and I money and apparently there are a lot of people having similar problems. 

I've provided all the information requested multiple times, I even had one woman ask me for my entire social security number to check an 'alternative " database, which struck me as ridiculous ( I didn't give it to her ), without so much as a call back from this mysterious 'back office '. 

As they insist on pointing out, all calls are recorded for quality control purposes, so they're free to go back and verify everything I've stated. 

This began on the XXXX of XXXX ( the initial call from Marcus, post XXXX transfer that was initiated days earlier ), I called back to no resolution. 

My next call was on the XXXX. No resolution. 

Today, the XXXX, I tried again. No resolution. 

Now, I'm submitting a complaint with the government, because banks in America shouldn't operate like a crime racket.