23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : USBANK XXXX On XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Product: Debt collection

Upon answering the call after several messages left by the company, I explained that the debt did not belong to me! The debt was associated with a car I've never owned, and the debt was connected with XXXX XXXX XXXX. The company continued to call, and leave messages while I was in class with students and leave messages at my home, as well as on my cell phone! 
Just of a few of the days, and times are as followsXXXX ( XXXX pm ), XX/XX/XXXX ( XXXX pm ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) twice, XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) I NEED HELP! The company refused to obey my answer that it is not my debt! I contacted XXXX and they confirmed that I did not have an outstanding debt!
Product: Credit reporting

On XX/XX/XXXX myself and XXXX other roommates leased a house for a term of XXXX year. During this lease the property fell into foreclosure and was bought by XXXX. When XXXX purchased the property they gave us the option to sign a new lease with them or they offered to honor the existing lease terms. My roommates and I decided to honor the existing lease that we had already signed which contained an {$1100.00} security deposit. There was no written agreement of any sort between XXXX or myself stating that they had decided to honor the previous lease. On XX/XX/XXXX we signed an " Intent to Vacate Notice '' which was then sent to XXXX. We received correspondence XXXX XXXX on XXXX XXXX stating he would conduct our check out inspection and that he would be leaving a key box on the door the following day. We never received a copy of the move out report and have been charged {$410.00} for property damage. I never received any notice by mail, email or phone about the damage. I XXXX became informed after XXXX XXXX a debt collection agency out of Florida called me and requested that I pay this debt. I received several phone calls about the debt and had asked to be sent a copy of the invoice for what XXXX was charged for said property damage. They claim that they sent a copy via mail in XXXX which I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent company. That loan is paid off. I had to refinance to get rid of them.They hold checks until the account is overdue and have their collectors call and threaten me. Then, toward the end of the month they apply the check to the account. It happened twice to me. I always paid on time and this report they gave of me being over 60 days on a loan is false. I had a credit score of XXXX and they have driven it down under XXXX for the first time in many years. Check my real credit history without XXXX XXXX. This company should be investigated and shut down. I would be glad to testify to the true nature of this shameful company.
Product: Credit card

Dear XXXX, I wish I could stop reporting Citibank every year to you, but hey continue to be clandestine about my closed credit card account balance. They just send ACH date and amount to be debited. 
On XXXX XXXX, XXXX I called Citibank 's IRU re : the current balance of credit card account ending in XXXX. The amount is never listed.The rep told me the amount and that fee 's and interest had accrued. I challenge the amount which the rep said was {$1300.00}. Citibank has never listed the balance each time they ACH my checking account. To add insult to injury the rep told me I made payment arrangements on XXXX XXXX, XXXX. I have documentation going back to XXXX, XXXX. Unfortunately I had to report Citi 's ruthless and unfair consumer tactics ( XXXX other accounts were also involved ) to the CFPB. Due to the bureaus intervention, XXXX of Citi 's client liaison 's assisted with all of the accounts with affordable and reasonable payments.The closed credit card payments were reduced from {$170.00} to {$70.00}. 
I feel that, again, Citibank is taking advantage of me! I never know my balance after each payment. If the Citi rep told me the arrangements were setup in XXXX XXXX, it seems past payments were not applied.
Product: Credit reporting or other personal consumer reports

Jefferson Capital put a collection on my credit report when in fact Ive never opened or had an account with them. They said the account was opened in XXXX of XXXX  and thats not true. The original account was opened with XXXX XXXX and has since been closed and wrote off as XXXX and loss and I asked for the XXXX form and I havent received that as of yet, I would like this collection company to be removed off of my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

They had it as I was staying their on campus and I never did. I lived in XXXX XXXX until XXXX and then moved to XXXX in XXXX also, Im just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX
Product: Student loan

On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Checking or savings account

I am a victim of Identity theft I have all the proper documents that I have sent to the Navy federal including my police reports that they are including in and my identity theft passport that I have carried around with me for two years I went inside the branch and showed them my documents I even sent it to them by email to there security team my case number was XXXX on XXXX XXXX up to XX/XX/2023 and they denied me to opening a new account. when I never had one with Navy Federal in the first place. 
I have also filed with the state attorney general office below on this same matter. 


I am also having the same problem with XXXXXXXX XXXX I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX of XXXX  the same thing happened with trust bank and us bank they are including as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted these creditors and the reporting agencies multiple times to remove these accounts from reporting to my consumers report. It's a violation of consumer law and I will start seeking legal action if items and accounts are not removed within 45 days of this report dated XX/XX/XXXX! I also attached previous letters that were sent certified to the reporting agencies and creditors as well. More letters are available as well with dates of the year XXXX  showing you multiple times I asked for these reports to be removed. If more letters are needed please be free to contact XXXX XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX * account number XXXX XXXX XXXX *account number XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes with supporting documentation, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a reasonable investigation.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. A response within 24 hours suggests an automated or superficial process rath er than a proper review. Equifaxs failure to cond
uct a meaningful investigation violates its legal obligations under the FCRA.

Additionally, this conduct may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair or deceptive acts or practices. The CFPBs recent administrative proceeding against Equifax ( File No. 2025-CFPB-0002 ) highlights similar violations, further demonstrating a pattern of noncompliance.

I request that the CFPB take action to ensure Equifax complies with federal law by : Conducting a thorough reinvestigation of my disputed accounts with proper documentation. 
Requiring Equifax to provide detailed findings when responding to disputes. 
Imposing penalties for noncompliance to prevent future violations.

Equifaxs failure to investigate my disputes has harmed my credit profile and financial well-being. I appreciate the CFPBs attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report shows XXXX XXXX  Charge off of {$1400.00}. written off when I have the Title from the Paid Account, automobile and today the Company reports paid in full. From XX/XX/XXXX, reported XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX
Product: Debt collection

Im a victim of identity theft someone got my information and I believe open accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX  # XXXXXXXX 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 have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Wells fargo opened up a secured credit card using funds from my checking account without my knowledge. The card charged off ... and i had to settle with them because it was interfering with me getting a job. This charge off is on my credit report.
Product: Credit card or prepaid card

I was charged {$480.00} for a Dinner Cruise while on vacation in XXXX, SC. The dinner cruise was suppose to take place on XX/XX/XXXX. This was booked through XXXX XXXX XXXX, and the vendor was XXXX XXXX Cruises. Due to high winds the vendor canceled the cruise. Despite repeated requests a refund has not been issued. 

On XX/XX/XXXX I contacted my credit card company, in response to a letter dated XX/XX/XXXX they sent to me, and stated the service was never provided. They requested proof, which I provided consisting of a letter dated XX/XX/XXXX and a copy of the email from XXXX XXXX XXXX cancelling the cruise. I also called the credit card company verbally informing them of these facts. 

On XX/XX/XXXX I received another letter from the credit card company stating they again wanted what I had already sent them, and also stating the merchant had refused the request for a refund and it would be put back on my credit card.
Product: Debt collection

XXXX XXXX XXXX Resurgent Capital Services, L.P.

To CFPB, I am writing to file a formal complaint against Resurgent Capital Services, L.P., regarding a series of violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Colorado state law. I believe this complaint falls under the jurisdiction of the Consumer Financial Protection Bureau, and I kindly request your assistance in resolving this matter. 

On XX/XX/2023, I sent a formal letter to Resurgent Capital Services, L.P. ( Exhibit A ), explicitly stating that I was refusing to pay and requesting that the Limited Partnership cease and desist all further communications regarding this debt. However, on XX/XX/2023, I received a letter from Resurgent Capital Services dated XX/XX/2023, which was a duplicate of letters sent to me on XX/XX/2023 ( Exhibit C ) and XX/XX/2023 ( Exhibit D ). 

Moreover, on XX/XX/2023, at XXXX XXXX  XXXX, I contacted Resurgent Capital Services, LP at XXXX and spoke with a representative who initially lied to me by stating that they had not communicated with me regarding the account. However, upon further inquiry, the representative confirmed that they had received my written cease and desist letter on XX/XX/2023. It was also confirmed that, as of XX/XX/2023, Resurgent Capital Services was legally required to cease all communications with me regarding this particular account. 

In addition, on XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, attempting to collect the same debt that Resurgent Capital Services was also attempting to collect on ( Exhibit E ). 

Based on these actions, I believe Resurgent Capital Services, L.P. has violated my rights under the following statutes and regulations : CO Rev Stat 5-16-106 section ( 3 ) ( I ) : Failure to advise me that their collection efforts have been terminated. 

CO Rev Stat 5-16-108 ( e ) : Causing charges to be made to me for communication via USPS and telephone. 

FDCPA Section 805 ( c ) : Contacting me after I requested in writing that a third-party collector cease and desist from further contact regarding an alleged debt.

Rules for FDCPA Debt Collect 1006.14 : Engaging in contact with intent to harass a person.

Rules for FDCPA Debt Collect 1006.6 ( c ) ( 1 ) : Communication with a consumer after a refusal to pay or cease communication notice. 

Enclosed with this letter, please find copies of all relevant documents, including my original cease and desist letter, Resurgent Capital Services ' correspondence, and the call recording from my conversation with their representative. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation, ensuring that my rights as a consumer are protected. Additionally, I would appreciate being kept informed about the progress of this complaint and any actions taken. 

Please do not hesitate to contact me if you require any further information or documentation from me to proceed with the investigation. I can be reached at XXXX or XXXX at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift and just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX