23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal dispute and request an investigation into the actions of RESURGENT RECEIVABLE LLC, regarding violations of federal consumer protection laws that have caused significant harm to me as a consumer. Below are the details of my complaint, which involves violations of the following provisions : 12 CFR 1006.34 ( d ) : This regulation pertains to a debt collectors requirement to properly provide certain disclosures and information to the consumer upon request. In my case, RESURGENT RECEIVABLE LLC, failed to provide accurate information, despite multiple requests for validation of the debt. As a result, I am unable to verify the legitimacy of the debt they claim I owe, which is an improper business practice and violates my rights as a consumer. 15 USC 1681-S2 ( 7 ) ( A ) : According to this provision of the Fair Credit Reporting Act ( FCRA ), furnishers of information ( such as debt collectors ) are required to conduct reasonable investigations when a consumer disputes information on their credit report. RESURGENT RECEIVABLE LLC, has failed to a reasonable investigation into my dispute, and as a result, erroneous and damaging information continues to appear on my credit report. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors must not use any means or methods of collection that misrepresent or obscure the nature of the debt. RESURGENT RECEIVABLE LLC, has made misleading claims about the status of the debt and my obligations, which constitutes a violation of this regulation. 12 CFR 1006.34 ( c ) ( 4 ) : This provision requires that debt collectors provide clear and accurate notices about the debt, including a clear statement of the amount owed and how it was calculated. In my case, RESURGENT RECEIVABLE LLC, has failed to provide these disclosures in a clear and transparent manner, leading to confusion and potential financial harm. I request that both the Consumer Financial Protection Bureau and the Better Business Bureau investigate this matter and take appropriate action to resolve the dispute. The unlawful actions of RESURGENT RECEIVABLE LLC, have caused significant distress and harm to my financial well-being, and I believe it is crucial for them to be held accountable for their violations of consumer protection laws. Enclosed, I have provided supporting documentation to substantiate my claims, including [ list any documents such as credit reports, correspondence with the company, etc. ]. I appreciate your attention to this serious matter and look forward to a prompt resolution. Should you need any additional information or clarification, please do not hesitate to contact me. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX XXXX with experian this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.
Product: Student loan

I am currently enrolled in the SAVE plan and placed in a forced forbearance. This forbearance is supposed to be 0 % interest however my loans are accruing interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, BELOW CITIBANK THAT REPORTED INACCURATE INFO, PLEASE CORRECT LATE PAYMENT INFO ON XX/XX/year> PROOF OF PAYMENT ATTACHED # CITICARDS CBNA account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX, has violated my rights. 

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Closed Accounts If you furnish information to a CRA on a regular basis, you must notify the CRA that a consumer has voluntarily closed an account the next time you send information that would normally include that account. This is important because some users of information may interpret a closed account as an indicator of bad credit unless you clearly disclose that the consumer, not the creditor, closed the account. FCRA 623 ( a ) ( 4 ) If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

Disputing Inaccurate Information On Credit Report I am writing to dispute the following accounts based on factual discrepancies. 
I am demanding, under federal law, that these accounts be investigated thoroughly. 
Under my rights of the Fair Credit Reporting Act, I am entitled to a fair and thorough investigation and all accounts reported must be complete and accurate. Any account that can not be verified must be deleted immediately, as stated in federal law. I will be notifying the CFPB that I have not been allowed my rights to a fair and quick investigation process if no action is taken and these errors are not corrected and deleted, promptly. 
Acct 1 : XXXX XXXX XXXX Is reporting an account that has been recycled and is well over 7 years old since delinquent. 
The open date is incorrect as it is not even consistent with what other CRAs are reporting. How can I have different opening dates for the same account? Also, no notice of debt collection was sent to my address on file for my right to validate this debt, which is another violation of federal law under the Fair Debt Collection Practices Act. 
Acct 2 : XXXXXXXX XXXX How can a charge off account not show an accurate payment history? Accounts show a different payment history on different CRAs. How is it possible to have an account charged off and never be 30/60/90 days late? Account also has an inaccurate open and close date. 
Acct 3 : XXXX XXXX XXXX Is not showing an accurate payment history, nor, is it reporting a correct balance. Other CRAs are reporting a different balance. How can a charge off have no late payment history? 
I would like for these to be removed from my report
Product: Credit reporting or other personal consumer reports

I have noticed these unauthorized inquiries in my report. I have given the XXXX credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX posted XX/XX/XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/XXXXXXXX XXXX posted XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a derogatory mark on my credit report from a collection company ( XXXX  XXXX ). I have no idea who they are and why the derogatory mark was made.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
1 XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
XXXX
Product: Checking or savings account

On XX/XX/2023, I made a purchase with merchant XXXX for {$2300.00} for a pair of sneakers. 
I received the item on XX/XX/2023, but it was not what I had ordered. I received a completely different brand of sneakers. A common scam in shoe marketplaces. After speaking with the merchant, I sent the shoes back via their company provided XXXX label on XX/XX/2023. 
Once the merchant verified that they received the item, the merchant offered me a choice between store credit OR a refund to my original payment method. I requested a refund to my original payment method, and shortly after, I received a confirmation email from the merchant that the refund was on the way. 
On XX/XX/2023, I was forced to open a claim with Captial One after not receiving my refund from the merchant, nor any further communication after multiple email attempts with the merchant. I provided the tracking number to Captial One and explained the situation. Captial One verified that the return was made. A very easy open and shut case. 
On XX/XX/2023, just three business days later, I received an email from Captial One stating that the claim was denied and closed, which was shocking. Captial One didnt even request any further information from me aside from our initial brief phone call. 
I called Captial One once again to attempt to understand what occurred. Captial One stated that the merchants Terms and Conditions state that there were no refunds, only store credit for returns. This is untrue. If Captial One researched this for themselves, the merchant has a Buyer Protection Policy which covers receiving an incorrect item AND within their Terms and Conditions, it states, If you would like a refund to your original payment method, please include the request when you contact support. I have the email conversation from the merchants support team where they stated that they would refund my original payment method. Once I received confirmation of the refund being processed from their agent, I received a confirmation email of the refund being processed to my original payment method shortly after. 
I will include evidence that before I even shipped the item back, the merchant guaranteed a refund to my original payment method. Captial One did not even request any further information from me. The case was closed within three business days, which shows a lack of consideration for their bank clients. Captial One is understaffed, which is obvious by the 20 minute wait times when calling in, and they were more concerned with closing my case than actually spending time to gather information from me to review it. I was scammed out of {$2300.00} and received no help from Captial One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account number XXXX Department of Education XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Square payroll deducted {$500.00} from my checking account without my authorization. I have emailed them multiple times asking for reasoning as to why, and they have not responded. They have stolen {$500.00} from my account and will not respond to my emails.
Product: Credit card

I had a whole range of issues with Citibank, from deceptive marketing practices and charging me for services that I didnt receive. My credit card also had a insurance cover which they didnt honour. I have been for over 10 years now trying to get Citibank to fix this and still no positive outcome. Citibank promised to pay some money back, however till this day I havent received a XXXX XXXX. To make matters worse they sold my debt to a debt collector. 

Looking forward to hearing from you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we filed chapter XXXX bankruptcy. We made 36 payments and completed those this spring. Discharge was XX/XX/XXXX. Nationstar/Mr Cooper now has reported late mortgage payments every month from XX/XX/XXXX thru XX/XX/XXXX. I paid XXXX a monthto a trustee who dispersed it. I dont think they can legally report late payments during that bankruptcy time, can they? The disbursement of those was totally out of my control. I am trying to buy a house and the loan was all set to go but the credit report cant show late payments during that timeframe to get financing. The bankruptcy attorney says she can not do anything to fix it. My report in XXXX did not show those but they pulled an updated one this week and those showed up. Can you help?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXXXXXX is paid and closed and it's over seven years old.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$2500.00} to my Paypal account on XX/XX/07. On the same day, I attempted to transfer it. PayPal instantly put the transfer on hold and asked for my picture and driver 's license number and myself. After waiting 24 hours to the minute the transfer was then denied. I attempted to transfer out again and all funds were placed on hold and they won't give me access to any of the money in my Paypal account.
Product: Debt collection

Thi s Compliant is being sent to AFNI, INC in r esponse to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices A ct, 15 USC 1692g  Sec . 809 ( 8 ).  I NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and  XXXX   ) t his action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
Product: Credit card or prepaid card

I filed a complaint against Citibank on XX/XX/XXXX regarding my billing dispute with them. On XX/XX/XXXX I am receiving 2 emails from Citi bank stating that they have attached response from the Merchant.  Guess what they attached same blank letter and sent to me. 

I think Citi bank takes their customers as XXXX or i dont understand why a bank is sending a same XXXX blank letter to its customer stating that there is attached a response from merchant basing on which they turned down my dispute. 

I was hoping that there should be some levels of professionality when they send a second email to their customer trying to resolve the issue but it was not the policy of Citibank. Here I am writing my response to Citibank stating that I still would like to dispute the charge with merchant and I have sent requested signed document via cfpb to the bank. Neither Citibank nor the merchant provided a valid proof that they provided any services to me and I want the case resolved in my favour ASAP.
Product: Credit card

Agreement entered into XX/XX/23 with XXXX XXXX XXXX representing JPMorgan Chae Bank on two credit cards with remaining balances. I have faithfully made payments every month on the XXXX of the month and the balances are still showing fully owed.
Product: Credit card

I paid a contractor {$10000.00} using my XXXX AMEX card for services that he was supposed to finish. We had a signed contract that the work would be done, I can furnish that contract. The contractor never finished the services, but he tacked on an additional {$300.00} " credit card fee '', so the total I was billed was {$10000.00}. I called XXXX/AMEX to stop the charges. I sent XXXX photos of unfinished work, as well as copies of the contract, but XXXX/AMEX did not refund my {$10000.00} and paid it out to the contractor in spite of our many pleas.