23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, I received a collection letter from a company called XXXX XXXX demanding a payment of {$980.00}. I immediately called but was told that the account was transferred to Resurgent Capital Services ( Ref # XXXX ). I contacted Resurgent to inquire about the nature of this debt. They claimed that they did not have any information other than the amount of the debt due and demanded payment or they would report me and damage my credit. 

Since I am 100 % confident the account balance is {$0.00}, I asked them to please provide validation of debt. I asked that a copy of my signed receipt and statements be sent to me for review. I have sent 2 requests to both their addresses just to make sure that someone would respond. 

First request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Second request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX SC XXXX No response. Instead on XX/XX/XXXX, I received another demand letter from Resurgent demanding immediate payment of a debt I know nothing about. 

On XX/XX/XXXX I sent a second request ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) asking for validation of debt. I asked to receive a copy of my statements and a copy of the signed receipt showing the alleged debt. Again no response. 

For the past 9 years I have been trying to build my credit and it is very important for me to continue to do so. I have my statements from XXXX XXXX the issuing bank- and I have proof of all my payments being done on time. 

In XX/XX/XXXX, I called XXXX XXXX and asked them to close my account, however the operator convinced me to keep it open and promised to take off the annual fee if I do so. Her words to me were closing it would lower your credit score, Ill remove the fee so you can keep it open for the coming year and increase your credit. 

I literally left the card at home because I didnt want to use it any more. I never received any statements from them after this phone call and since I did not charge any purchases, I didnt find it odd not to receive a statement. Many credit cards/banks dont send out statements when there are no charges. 
My last activity with XXXX XXXX was in XX/XX/XXXX. 

I did not hear anything from them for a year and suddenly I get a collection notice. Basically threatening me to pay now or they will ruin my credit. 

Can you please let me know what I can do to protect myself? I have called and spoken to them. They are very rude and not helpful at all. They keep telling me that they will mail me the validation of debt but they dont. I have waited for them for 2 months and still no response. 

This account is paid in full and has not been used for more than a year. Therefore, I am disputing all the charges and claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from XXXX XXXX XXXX XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the XXXX  amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted an online request to the XXXX, XXXX and Transunion credit bureaus, requesting letters requesting verification of the debt on my report. Starting on XX/XX/XXXX, I began to receive replies stating an update was made. On XX/XX/2022 I mailed certified letters to each bureau requesting verification documentation Beginning XX/XX/XXXX, they have sent back stating everything is verified correctly. 

However, my credit report is still showing inaccuracies XXXXXXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/year>, Arvest Bank XXXX XXXX charged me for the amount of {$30.00} fee for simply stopping the payment transaction. 
I don't think it's right to charge someone a crazy fee for just stopping the payment without any prompt on the app. If they let me know that they are going to charge me {$30.00} fee for just stopping the payment, I would never accept it. They are trying to make a profit to their consumers with these crazy fees. When I tried to contact them, they told me that they can't help me because the one who took the money is XXXX and they keep insisting that there is a Disclosure or a prompt that will pop up but there isn't. On the other hand, when I tried to call XXXX, they told me that they can't help me because the XXXX on the bank is integrated on their system so they told me to call the bank itself. So what they are doing is they are doing is they are just transferring me back and forth and there is no one really helping me. I don't think it's justifiable to charge someone {$30.00} for a fee just for them to make some money out of their consumers/customers.
Product: Mortgage

Nationstar provided a HAMP modification to my primary mortgage, XX/XX/2013, with a provision they failed to deliver : XXXX Rev XXXX says and I received the " annual incentive payment of up to {$1000.00} for the first XXXX years after the loan modification. '' However, despite XXXX Rev XXXX saying " In addition, once your loan is permanently modified, you may be eligible to have some of your principal forgiven on a deferred basis. So long as your modified loan remains in good standing, we will forgive {$49000.00} of the principal balance of your loan each year on the anniversary of your first trial period payment date for XXXX years. '' that provision has been ignored, despite never missing a payment, remaining in good standing and several attempts to communicate the desired principal reduction XXXX my house is still underwater XXXX years later XXXX.
Product: Checking or savings account

Summary : On XX/XX/2020 I closed a joint checking account due to divorce proceedings to mitigate the possibility of charges hitting the account. On XX/XX/XXXX a charge appears on the account which was closed and the account is apparently open again. I have attempted to address this with TD Bank via secure email, and the phone numbers published on a collection letter I received XX/XX/XXXX. No response from the secure email, and phone number does not lead to anyone that I can speak with about the issue. 

Details : 1 : XX/XX/2020 Closed Account ending in # XXXX at a TD Bank location The reason for closing was to end a joint account to protect me from possible charges from my soon-to-be wife I XXXX  out the account 2 : XX/XX/2020 I was refunded an over payment of {$19.00} on the closed account. This was due to overpaying to XXXX  out the account on closing. 
3 : XX/XX/2020 the account appears open with a - {$140.00} charge on the closed account.

4 : XX/XX/2020 I send a secure email to TD as instructed through the mobile app to find out why this account is active with no response.

4 :XX/XX/2020 TD Charges me a {$15.00} maintenance fee for the closed account 5 : XX/XX/2020 I receive a collection letter from TD Bank for collecting {$140.00} I call the number provided in the letter, the individual tells me theres nothing they can do and the account appears open and there's no-one I can further speak to about this. I have no way of speaking to someone about the failure to close the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Debt collection

I never recieved any documents indicating that I owe the debt. I noticed that I owed the debt on my credit report. Would like to validate the debt
Product: Checking or savings account

My Accounts with the following Bank have been technically compromised. My name, Social security number and birthdate have been altered/erased from the banks XXXX records.Bank of America {$7.00} XXXX, XXXX {$3.00} XXXX I'm a victim of Identity Theft/Fraud for the past 3 years. 

All of my identifying information & legal documents were stolen from me and my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had a XXXX XXXX with me since I was a child. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on each XXXX systems under my name, Social Security number & birthdate. 

For example Bank of America has {$7.00} XXXX, XXXX has {$2.00} XXXX XXXX  XXXX XXXX XXXX was approximately {$500000.00}. XXXX XXXX XXXX XXXX XXXX value approx {$500000.00}. 

I have a list of names of people involved. They have threatened me, harassed me, terrorized me for the past 15 months in XXXX XXXX Texas. It has continued here in Florida. 

While I was in Texas I filed XXXX police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats. A report for ID theft was filed as Fraud. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/Fraud I've filed several complaints with the FTC, XXXX FBI online systems, most recently : FTC XX/XX/23 ref # XXXX FTC XX/XX/23 ref # XXXX FBI XX/XX/23 copy on my phone A complete investigation needs to be conducted by the Cyber Crimes unit of the FBI effective immediately.
Product: Mortgage

I have a mortgage with an escrow account with the Bank of America. I get a property tax exemption from the county of my residence. In XXXX the county erroneously declared my pre-exemption tax to the bank while sending me a correct bill. On two occasions in XXXX the bank overpaid my tax and the county realized their mistake and refunded the escrow account in two payments in XXXX XXXX and XXXX XXXX as reflected on the Escrow Account Disclosure Statement. Now the Bank is calculating my XXXX escrow payments based on the erroneous higher tax amount which will result in an increase of {$150.00} to my monthly escrow payments. Since XX/XX/XXXX I have made several attempts to ask the bank to correct the mistake but their agents are not responsive to my concerns. I have sent copies of relevant documents ( including letters from XXXX XXXX confirming my exemption, and my tax bill ) to the bank but since they show my name and address, I have not attached them to this complaint. I appreciate CFPB 's help in resolving this issue.
Product: Debt collection

Dear CFPB, I am filing this complaint regarding a false debt claim from XXXX XXXX XXXX  In 2019, my family and I arrived in the United States through the refugee program. Our sponsor, XXXX XXXX XXXX, rented a home for us. Unfortunately, during our stay, we experienced harassment, abuse, and profiling by neighbors due to our status as foreign nationals. We reported these issues to the property management, but no action was taken to resolve them. 

As a result, we decided to leave the property. At the time of departure, we left the property in good condition and had paid a security deposit of {$1900.00}. After moving out, we were surprised to receive a collection notice claiming additional charges. We firmly dispute this claim as we are not legally responsible for any outstanding amounts. 

We request the CFPB to investigate this matter and ensure that the company provides accurate documentation to support their claim or removes the false debt from their records. Additionally, we request that this collection effort cease immediately. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, XXXX and Expirian, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered to be a breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in the demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. BANK OF AMERICA ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( BANK OF AMERICA ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Debt collection

On XX/XX/2020 I received Notification that a new collection account was placed on my credit report by Credit Management for XXXX XXXX for {$260.00} account number XXXX. 
I immediately called credit management to discuss the bill. Representative stated they received the account from XXXX XXXX in XX/XX/2020. Explains it a wrap I did not order them any money I paid the account to a different collection agency in XX/XX/2020. I was told to contact XXXX XXXX  formally known as XXXX. 
Call XXXX  XXXX  XXXX  gave the rep the account number and was told I had a XXXX  balance. She ran my Social Security number in our system and I did not have any other accounts she can not explain why the account was sent to a different collection agency. She had her supervisor to look at the account and a supervisor said the same thing a ticket was created and was sent to the department to handle this account to have it removed from the collection agency and removed from my credit report I was told to call back in three days call back on Tuesday night The representative told me the same thing the account he pulled up had a XXXX  balance and he could not explain why he was sent to a collection agency I had to give the specially handling department time to review the case to call back on Friday. Call back again today and spoke to another representative she also looked at city account and could not explain why an account with a XXXX  balance went to a different collection agency she had her supervisor to look at the account her supervisor said the same thing another ticket was created and I will provide both ticket numbers. 
Bill with XXXX  Total Bill {$780.00} Received Credit {$310.00} for equipment Balance {$460.00} The account was sent to XXXX XXXX collection agency Account number same account number XXXX Set up a payment arrangement to make 4 payments of {$120.00} Payments made XX/XX/2020, XXXX & XX/XX/2020 Ive included a copy of my credit card statement showing payments to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency has continues to show little to know respect for the law.0n XX/XX/XXXX I filed a complaint with your organization requesting that Equifax be in compliance ( file number XXXX ) Equifax requested that I send identification info, I provided them with this info on 4 separate occasions and when they finally responded they ask for the same info again. So on XX/XX/XXXX I sent Equifax another compliance letter with the requested info and on XX/XX/XXXX I receive another request for the same info, The continue to use stall tactics and report inaccurate information on my report.The also have refused to send me an current and up to date credit file,
Product: Mortgage

Select Portfolio Servicing assumed the collection of mortgage fees dated XX/XX/XXXX. Loan was transferred from XXXX. The last payment to XXXX was made XX/XX/XXXX. SPS immediately charged me for the XX/XX/XXXX payment even though their date of servicing the loan was XX/XX/XXXX due date XX/XX/XXXX. This immediately put me in arrears 1 month as SPS claimed I did not pay the XXXX payment to XXXX. SPS assumed servicing the loan after I completed a XXXX mortgage ( XX/XX/XXXX to XX/XX/XXXX ) assistance program with XXXX State Housing Authority that allowed me to keep my home from being repossessed. My wife and are both XXXX XXXX. I believe SPS intentionally leveraged the XXXX payment in order to put us in arrears and create another default situation coming off the mortgage assistance program. SPS also charged me a new loan setup fee ( XX/XX/XXXX ) in the amount of XXXX which ballooned my principal amount from XXXX to XXXX once they assumed servicing of the loan. I can not refinance my loan because my credit report shows the principal amount includes the XXXX. Putting me in arrears created late fees. SPS is still charging me late fees even though my mortgage is on ACH and timely.
Product: Debt collection

This account does not belong to me, I spoke to them on the phone and demanded a letter stating balances and assumed responsibility. 

I provided them my E-Mail / Fax / Number.

It is now day 50 and I have yet to receive any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record showing on my Equifax and XXXX credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.
Product: Debt collection

I sent a debt validation request to Radius Global Solutions on XXXX XXXX XXXX via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They received it on XXXX XXXX XXXX but failed to provide validation. Instead, they falsely claimed that the account was Closed as of XX/XX/scrub>XXXX XXXX XXXX, and updated the account on my credit report on XXXX XXXX XXXX I sent them a follow up letter on XXXX XXXX XXXX notifying them of the violation via certified mail. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are required to cease collection activities, including reporting to credit bureaus, until they verify the debt. Since they failed to provide validation but continued reporting, I am requesting that the CFPB investigate and require them to remove this account from my credit report immediately.