23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC/Resurgent Capital Services XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Fraud/ Validation of Debt and Request for Proof of Contract Dear Sir/Madam, I am writing to dispute the alleged debt associated with your recent contract start dates of XX/XX/XXXX. I dispute the validity of the debt you claim I owe to Resurgent Capital Services/LVNV Funding. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you validate this debt as per my rights under the law. 
According to your communication, you assert that I entered a contract with Resurgent Capital Services/ LVNV Funding on XX/XX/XXXX. I categorically deny any such agreement, and I have no record of any contractual relationship or communication with your organization. To address this matter promptly and to ensure legal clarity, I request that you provide the following information within 45 days of receiving this letter : 1. Verification of Debt : Provide detailed documentation validating the existence of the alleged contract reflecting my signature and the start date, including the complete payment history. 
2. Proof of Contract : Furnish a signed contract or agreement between myself and Resurgent Capital Services/LVNV Funding llc dated XX/XX/XXXX. This should include my signature and any relevant terms and conditions. 
Failure to provide the requested information within the specified timeframe of 45 days ( XX/XX/XXXX ) will be construed as an admission that Resurgent Capital Services can not substantiate the alleged debt, and I will take appropriate legal action as you all are committing fraud. Furthermore, I wish to bring to your attention that any attempt to report inaccurate information to credit bureaus, fraudulent representation of debt, or any other deceptive practices will be considered a violation of federal and state laws. Such actions may result in legal consequences, including but not limited to legal claims for falsification of information, fraud, and other relevant banking crimes. 
I trust that Resurgent Capital Services will handle this matter with the utmost diligence and provide the necessary documentation to validate the alleged debt. Your cooperation in this regard is anticipated. 
Sincerely, XXXX XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion and inaccurate reporting of the following accounts on my credit report. Despite previous disputes and successful deletions, these items have been reinserted without the required notification under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ). 

The following accounts have been re-inserted or inaccurately reported on my credit file : XXXX. XXXX XXXX  ( XXXX and TransUnion ) Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280000.00} High Balance : {$300000.00} Payment Status : Late 30 Days Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account Details Omitted XXXX. XXXX XXXX  ( TransUnion ) Account XXXX XXXX XXXXXXXX Approximately 30 days ago, I requested an investigation of these accounts, and I received a notification stating that the investigation was complete and the items were verified. However, I did not receive any supporting documentation or proof of verification, as required by law. To further support my dispute, I am submitting a police report indicating fraudulent activity, which directly impacts these accounts.
Product: Debt collection

I have received an email aswell as a letter via mail from Jefferson Capital Systems LLC. 
I have requested information that I have not received. Instead of providing me with all documentation that is needed to confirm such information. Jefferson capital system has violated my rights to consumer privacy pursuant to 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, 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. 

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However XXXX Experian stated they will not take any action because they did not believe it was sent and authorized by me, which it was. Open dates, date of last activity and much more is on my report incorrect and should be modified according to 15 USC 1681i ( 5 ).

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case that will be attached.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a XXXX XXXX XXXXXXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit 1 time with the bank they use for car loans. XXXX XXXX ran my credit 8 times totaling 8 hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
Product: Credit card or prepaid card

On XX/XX/2021 I went to a local XXXX store to purchase a small amount of items. On my Capital One account ending in XXXX ' I made a purchase of {$13.00} and immediately after at XXXX XXXX on XX/XX/2021 at the same location I used my Capital One debit card ending in XXXX ' to withdraw {$20.00} from my checking account. 

Roughly 5 minutes later, after I had already left the store, a charge for {$200.00} was processed on my third capital one account, a credit card ending in XXXX '. 

Once I was notified through text that this charge was attempted I locked the card and contacted Capital One. This call took place at roughly XXXX Eastern Standard Time as I could not call until I got home from running errands ( calling while driving is against the law. ) I made this call from my phone number, XXXX. 

On this call I was assured by the phone representative that there is zero Fraud responsibility on myself as the consumer and that the transactions will be removed from my account. I also advised the phone agent who I spoke with that I believe I dropped my card in the store while I was doing the two initial authorized purchases as the card was no longer in my wallet. A credit was issued and investigation started. 

On XX/XX/XXXX, I received the Fraud acknowledgement letter from Capital One. Less than 2 days later I received the attached letter stating no Fraud has been found ; however, absolutely NO evidence was provided to show that I made those transactions. How I reported the transactions aligns with how the transactions occurred and based on how quickly the response was received ( over the weekend as well ) no thorough investigation have been done. 

Here are the facts : 1. I was in the store that day *before* the purchases occurred and performed two authorized and undisputed transactions. 
2. Several minutes after I had already left the store, a new transaction for a large sum of money ( possibly a Gift Card based on the amount ) was processed. 
3. Large purchases such as this do not match the spending history of my account as large transactions are always placed on my other card ending in XXXX '. 
4. I was assured by the phone agent that I would not be held responsible for the transactions. 
5. No evidence showing I made the purchase was provided by the bank. 
6. I have had this account open for roughly 5 years now as well as multiple other accounts through Capital One and have had no prior Fraud claims on my accounts that I can recall.

Based on the information above which was already provided to Capital One during my initial call with them which they can also see at any given time, the transaction on XX/XX/XXXX for {$200.00} is not a transaction I have authorized. The fact that Capital One would so easily try to pass liability for the transaction to a customer who has multiple accounts that have always been in good standing for no reason is absolutely DISGUSTING. If this is not resolved immediately I will escalate this issue further. 

I have attached information available regarding the two authorized transactions as well as the letters received.
Product: Mortgage

The servicing of my mortgage has been transferred to Fay Servicing, according to the previous servicer, XXXX. Fay Servicing should have sent me a letter to facilitate the transfer. They did not. I attempted several times to register on their website, but the website rejected my information. I attempted to call several times, but without an account number that they recognize, they will not put a human on the phone. If they don't recognize my account number, I have no way to pay my mortgage, which is due on XX/XX/19. I have no one else to call, since I don't even know who owns the mortgage anyway. When the payment becomes late, I will be penalized and my credit will be affected. Can you get them to process all the accounts which they now service, but are not even in their database?. By not doing the job they are presumably being paid for they are in effect defrauding both parties to the mortgage.
Product: Debt collection

Contacted XXXX XXXX XXXX via telephone on XX/XX/2023 requesting a debt validation letter be sent to my current address and was denied the request. Additionally XXXX XXXX XXXX contacted family members with no responsibility related to debt in question on several occasions.
Product: Debt collection

Debt Recovery Solutions keeps reporting and trying to collect on an old account I had with XXXX over a decade ago. I was told that XXXX sold the account to Debt Recovery Solutions. I paid this account completely off. I do not know why they keep reporting this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. NCA for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. XXXX XXXX for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

After the Equifax security breach in XXXX I placed a security freeze on my account. I was given a number code and was asked to note it down as it was supposed to allow me to lift the freeze. 

I am now trying to lift the freeze for a mortgage application. I tried to do this online but was forwarded to a page asking to call by phone. I contacted equifax on XX/XX/XXXX by phone and was told that the number I was given was not used any more because of a system change. Instead I was asked several questions. Unfortunately these questions concerned dates of previous non-mail interaction with equifax, such as the last date I had requested a credit report. Never was I informed during these events that these dates would serve as information necessary to modify my security freeze and that I should thus note it down as critical information. Because of my failure to provide the requested information, I was denied to lift my freeze and asked to send in a copy of my driver license and social security card by mail. I did this on XX/XX/XXXX. Since then I have called weekly to ask about the processing of said request and was asked to wait and call again after '5 more business days '. This has lasted until now. 

Now the number I am supposed to call to inquire says that it is only available from XXXX EST because of the COVID-19 situation and site closures. However I called several times during this time and was always led back to the same tape regardless of selected options without being able to reach an associate.

Equifax has now denied me to lift my security freeze for one and a half months.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Pollack & Rosen , P.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX REFERENCE NUMBER ; XXXX Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir or Madam, I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please supply the following information so that I can be fully informed : Proof that I am responsible for the debt Documentation showing that I am responsible for this debt : Please provide me with a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor. 

Details of the debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made. 
Last billing statement : Please provide a copy of the last billing statement sent to me by the original creditor. 
Amount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition. 

Name and address of the original creditor Identification of the original creditor : If this debt has been transferred or sold, please provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. If the original creditor has another name by which I might know them, please include that as well. 
Transfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it. 



Proof of your authority to collect this debt Documentation of your legal authority : Please provide proof that your agency has the legal authority to collect this debt on behalf of the current creditor. This should include any contract or agreement that grants you the right to act on behalf of the original creditor. 
Debt collection license in my state : Provide the details of your debt collection license in my state, including the date of issuance, the name on the license, the license number, and the contact information of the state agency that issued the license. 

Additional requested information Due date and delinquency : Indicate when the creditor claims this debt became due and when it became delinquent. Also, identify the date of the last payment made on this account.

Statute of limitations : Have you determined that this debt is within the applicable statute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination
Product: Credit card

American Express declined my new application due to prior card cancellation of over 16 years ago. I went thru a personal bankruptcy in 2000 in which my Gold AmEx card was included. I was never late on the card prior to that event for 18 years. American Express will not look at current financial situation in order to approve a new account. I believe they are violating the Federal Equal Credit Opportunity Act by using the cancelled account excuse from 16 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Mortgage

Several years ago our home went into the foreclosure process ( per Wells Fargo, we were required to do this in order to be considered for a Loan Modification ). Wells Fargo took months to handle the Loan Modification process and just 3 days before our home was set to be sold in Foreclosure, they overnighted us documents of the Loan Modification and told us we had 2 days to sign or our home would be sold. In those documents we were required to take on an additional $ XXXX in debt which was simply described to us as 'fees ' and we were not provided with details on those fees. When I attempted to get documentation, they said " sign or your home will be sold ''. My complaint is that 1 ) we were never provided details on what expenses we were taking on ( although we repeatedly asked ) 2 ) We were not provided adequate time to consult with an attorney 3 ) We were bullied into signing & taking on debt or we would lose our home 4 ) Wells Fargo intentionally created the 'just in time ' event by refusing to handle our loan modification request until it was 3 days prior to sale.
Product: Debt collection

I was illegally evicted in XXXX as there was a formal dispute with a written letter to with hold rent until electrical problems were resolved and if not resolved, I would move out in 30 days without paying rent. The electrical issues weren ' t resolved. There was nothing on my credit report reflecting this. I vacated the premises and have heard nothing from the landlord. Upon reviewing my credit report in XXXX, I observed a recent Notice of Judgement Lien on REAL ESTATE had been filed by attorneys representing my landlord. They are subtotaling {$4300.00} excluding interest and a total of {$6900.00}. I was told by this law firm that they were n't able to forward returned documentation to me relating to this law suit/judgement and XXXX documents were n't received by me in which they validate and advised this was how they obtained the judgment. I requested information to support the judgment to XXXX who was very rude and refused to provide information on XXXX/XXXX/XXXX, I called back. I then spoke w/ XXXX who was very professional and mailed information that the landlord had provided which was a statement. I did n't receive any paperwork or documentation to support the judgment being filed. I am concerned with the time gap as well. There should be a statue of limitations. also, if no writ was reflected on my credit by way of legal dispute due to electrical problems, how is they able to come back 10 years later, indicating a year of XXXX when it was XXXX and attempt to now collect? 
I want to report this action because it is illegal and is impacting my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review and consideration of my annual consumer credit report, I noticed there were hard inquires from companies in which I never authorized to obtain my credit report from the credit reporting agency. The following inquiries are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. Experian is reporting information that belongs to someone else. I am making this CFPB Complaint to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve