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

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXX XXXX This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over seven months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

in reguards to the following accounts they are in violation of us 1666b sec 2 which states that If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

They are also in violation of 1681i which also states Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX  ss Acct # XXXX address ... XXXX XXXX XXXX XXXX tx XXXX XXXX, XX/XX/2022 XXXX ) XXXX XXXX Acct # XXXX address ... XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX dates ... XX/XX/2022 XXXX ) XXXXXXXX XXXX XXXX Acct # XXXX address XXXX XXXX XXXX XXXX XXXX wa XXXX dates ... XX/XX/2022, XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Receivables is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX  This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Resurgent Receivables has committed identity theft and continues to do so as recent as XX/XX/2022. 
15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted this company XXXXXXXX XXXX  XXXX XXXX ) now in collections with ( NATIONAL CREDIT SYSTEM ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. NATIONAL CREDIT SYSTEM only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done XXXX XXXX XXXX XXXX will not remove the account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

to CFPB please investigate this complaint that I disputed XXXX Transunion response they state there reason for lowering score, But when I pay down on a account my score should go up not down in there own documentation they state if you pay down account your score will go up enclosed evidence, But they lower my score this is deceptive tactic. With this type of practice they hold the consumer hostage on credit and interest on accounts
Product: Money transfer, virtual currency, or money service

Received a call from XXXX was told I must call XXXX this is XXXX XXXX. If I do not pay the amount of XXXX $ a technitian is outside to disconnect my elcetricity. 
The company asked me to pay only with XXXX because I need to pay immidiately the money. I did on XX/XX/XXXX via my account in Chase. Subsequently, the scammer asked for another {$850.00} when I realized that I was scammed. I contacted Chase, since the fund went to another Chase but they said they can not do anything about it. I contacted XXXX and the same was said. Please note, I am XXXX years old and just came out of the hospital from a XXXX XXXX XXXX XXXX XXXX when this issue happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured auto loan through XXXX XXXX XXXX. 2 of the 3 credit bureaus Equifax and XXXX   both showed that the account was closed as an owed debt and that the debt was purchased by another debt collector. I disputed this with them because that was not the case. The account was opened at a term of 14 months. All 14 payments were made and the account was paid in full and i satisfied that debt. I informed both companies that they had incorrect information. Instead of investigating and fixing the issue they just deleted the entire account. I would like this corrected and have it put back on my credit report paid in full.
Product: Credit reporting or other personal consumer reports

THIS IS A CONSTANT ONGOING ISSUE WITH MY MORTGAGE CO. I'VE HAD TO FILE TOO MANY COMPLAINTS. WHY IS THE CFPB NOT DOING ANYTHING? XXXX XXXX XXXX XXXXXXXX KEEP ACCUSING ME OF BEING LATE WHEN I'M NOT. NOR IS MY HOUSING AUTHORITY. XXXX XXXX XXXX HAS PROVIDED PROOF OF PAYMENTS TO ME AND I'VE PASSED THAT ON TO MY MORTGAGE COMPANY. XXXX AGENTS HAVE TOLD ME THERE ARE ISSUES WITH THEIR SYSTEM NOT ACKNOWLEDGING SUBSIDY PAYMENTS. THAT'S NOT MY FAULT NOR THE HOUSING AGENCY. I GOT AN EMAIL FROM XXXX XXXX ( LOAN SERVICER ) ON XX/XX/2024 STATING THAT THERE HAS BEEN NO ISSUES WITH MY SUBSIDY PAYMENTS AND THAT THEY ARE APPLIED ACCORDINGLY AND CORRECTLY. THEN TODAY, XX/XX/2024, I GET AN EMAIL STATING A CREDIT ALERT. SO I LOOK AT MY CREDIT PROFILE AND LOW AND BEHOLD, XXXX HAS REPORTED LATE PAYMENTS WHICH HAD A VERY NEGATIVE IMPACT ON MY CREDIT SCORE. I WILL ATTACH THESE DOCUMENTS I'VE SPOKEN OF. I HAD NO ISSUES WHATSOEVER UNTIL MY LOAN TRANSFERED TO XXXX XXXX XXXXXXXX XXXX XXXX SINCE THEN IT'S NONSTOP ACCUSATIONS OF BEING LATE.
Product: Debt collection

XXXX Spoke to XXXX XXXX at Stenger & Stenger who was nasty and demanded the full amount of the debt- even though I have the right by law to submit a smaller amount to avoid garnishment. He was rude- talked over me, threatened me with a report to my credit and would not be polite or respectful to handle the matter professionally. He did his best to undermine my rights and stated that I had to use automatic debit in order to get a lower payment ( not true ). That's not fair. He is antagonistic and rude- when I was respectful and professional with him. I requested to speak to the attorney who filed the default judgement- and he wouldn't put me through. I also asked to speak to a supervisor ( No again. ) I have rights as a debtor- Stenger and stenger ignores such rights.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent accounts that were a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Product: Mortgage

My original loan was with XXXX about 10 years ago. They sold to Nationstar mortgage. When we were with XXXX we wanted to make bi monthly payments-XXXX said this is free to do and when we were ready to set this up we could do so. It also required paychecks/money to be into account so we were not able to do that at the time. Now that we are able to make bi-monthly payments to reduce our interest and loan term, Nationstar does not allow us to do so. We have no choice but to go to their outside contracted company who will charge us {$390.00} enrollment fee and then charge us a monthly fee for the rest of the loan term just to do a bi-monthly payment. We would have to pay about {$1700.00} extra bc they do n't allow bi-monthly bi weekly payments from their own customers. XXXX our original loan did not charge for this service and there would be no charge to us whenever we would be able to do so. Now that the loan was bought by Nationstar, the same terms do not apply and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the account and was never given a letter of balance paid off and it is still on my credit report when I asked for Deletion Letter
Product: Checking or savings account

My local bank is XXXX XXXX which is merging with XXXX XXXX. I tried opening an account and my accounts was closed. I was explaining my issue with a gentleman name XXXX in the corporate division. I was told an account was opened in my name fraudulently in 2016 without my authorization. He told me there's nothing they was able to do. I was outraged and reached out to the Attorney General office. I being penalized for someone compromising my information. I will be sitting down with an attorney as well. I want whatever negative information to be removed out of my name immediately. My social is XXXX
Product: Consumer Loan

So much time has gone by and I was to humiliated to ever talk to the lender. The default finally made it 's way to collections and the people have threatened me with criminal charges.
Product: Debt collection

This matter involves an account initially handled by XXXX and assumed by XXXX. I was trying to work this out with XXXX when they referred it to LTD Financial. At one time both were trying to collect the same debt from me. Then LTD called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why LTD would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with XXXX accounts and the vendors they use for collection.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 
2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization. 
XXXX. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Experian never investigated but verified the account. They never did a full investigation.
Product: Mortgage

I bought a condo in Florida in XXXX of 2021. My initial loan was serviced by United Wholesale Mortgage. I had no Escrow - I paid my taxes and insurance directly. There were no problems. In late XXXX of 2021, my loan was sold by UWM to Mr Cooper. I continued to pay my insurance and taxes directly. Mr Cooper had additional insurance added to my policy ( despite me sending them my current insurance information ) and they were suddenly charging me an escrow in the amount of {$2700.00}. I disputed this several times and they kept charging. I continued to provide proof of my insurance and payment of both my insurance and taxes. Since then they have sold my loan to XXXX ( who has been great ) - but they are still collecting an outstanding Escrow about that Mr Cooper claims I have. After the latest analysis- they are claiming an additional {$620.00} I would like to get this resolved - stop paying money that I do not owe and collect the years worth of overcharge payment. I call Mr Cooper - I wait on hold for hours, and am then cut off. If I do reach someone, I get transferred all over them place and am told they can't help me since they no longer have my loan. I appreciate your attention to this matter.
Product: Debt collection

I've spoken with multiple representatives at Capital Accounts based out of XXXX Tennessee and have been told that they will send me something from XXXX heating and cooling outlining the services they claim to have provided me in the amount of {$89.00}. I disputed this debt with them over the phone have yet to receive any information regarding the debt or a time frame in which it will be resolved. Spoke to a supervisor named XXXX XXXX who told me his extension is XXXX who told me that their information is public when requesting the address to verify the company on XXXX. He would not verify the address that I was seeing on XXXX and only explained it was public and kept giving me a XXXX XXXX XXXX is not the address on google. After explaining to him that I'm recording the call he said I never told him that ( which isnt required in Tennessee ) and then decided to laugh about our conversation and push me off the phone as if it was funny. This Supervisor was very rude and seemed like he could not care less about the fact that I've been trying to get to the bottom of this on multiple occasions now with no XXXX on the XXXX and then speaking in a very condescending way to me like he would prefer I remain in suspense about this. This debt is not valid and If this is not rectified in a way that I deem satisfactory I will be suing XXXX and this collection agency, which seems silly given its {$89.00}.
Product: Checking or savings account

Everyone is struggling, I have 4 mortgages with Wells Fargo which are current, I didn't ask for a hand out. I have about 10 accounts and am a business banking customer who has a lot of money in my accounts which XXXX pays me ALMOST NOTHING WHILE THEY LEND IT AT RATES HIGHER THAN EVERYONE ELSE., because their bill pay service is so slow and convoluted its almost impossible to calculate when they will actually debit your account. ITS NOT FAIR THE GOVERNMENT SHOULD MAKE THEM BE MORE ACCURATE. They charged me {$12.00} for and overdraft transfer fee When I HAD PLENTY OF MONEY and had signed up for overdraft protection. They are taking advantage of people in this time of crisis. I urge you to report this to the people who make the rules to stop them from gouging. I WANT MY MONEY REFUNDED {$12.00}, when you try to call the wait time is an hour! Its not right, they should be made to hire enough employees especially in this time of crisis. it was XX/XX/XXXX. I typed out a long message on Wells Fargo 's online banking site and when I hit send it logged me out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Product: Credit card or prepaid card

Made purchase on account dated XX/XX/XXXX for {$140.00} which is not interest free. However, made payments of {$90.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which more than covers the amount of this purchase mentioned above. However, Klarna still decided to charge me interest on XX/XX/XXXX for {$2.00} and XX/XX/XXXX for {$2.00}. I should not have been charged this, the only other purchase on this account is a promotional purchase expiring XX/XX/XXXX.
Product: Debt collection

Im Being charged an interest rate when that was not a part of the original contract.i only owe XXXX not XXXX something.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have been notified that I am a victim of Identity theft, that my PII  was leaked by multiple data breaches. FTC Identity Theft report has been provided to XXXX, Equifax and XXXX. All XXXX CRA 's have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. All XXXX CRA 's are unlawfully reporting fraudulent accounts under " XXXX XXXX, '' '' XXXX, '' " XXXX, '' " XXXX XXXX XXXX, '' " XXXXXXXX XXXX XXXX, '' with incomplete information and are failing at providing the substantial proof of these accounts. All XXXX CRA 's have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer yet they're capitalizing off the use of my Personal Identifiable Information. I revoke prior consent for Equifax, XXXX and XXXX to use my PII data. ALL CONSUMER REPORTING AGENCIES must delete the fraudulent information and provide a copy for my approval until the credit report and score is full, complete, and accurate.
Product: Credit card or prepaid card

Well this started XX/XX/XXXX I made a payment to my account & the account was froze at this time, I trashed it to them on the XX/XX/XXXX to find out why my account was froze they said it was bc my payment was more than my limit, my limit was {$200.00} but the amount due was {$200.00} so that 's what paid. The payment was kicked out that afternoon ( the XX/XX/XXXX) so I attempted to make another payment the XX/XX/XXXX for the {$200.00} & my account was then restricted. I called them & did the online chat & they just have me the runaround over the payment being more than my limit. I kept saying that 's the amount due, I ca n't help the amount due is more than the limit. A week later I got a letter stated my account was closed. I reached out to then again on the XX/XX/XXXX I believe & demanded answers & they said because I had two payments " returned '' they closed my account & deactivated my account. How the XXXX is it my fault my payment was kicked back over {$8.00}????? I demand my account bed reinstated. This is XXXX & they know it.