23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Resurgent Acquisitions LLC for a range of violations, including but not limited to deprivation of rights under the color of law and engaging in unfair and deceptive trade practices. 

Resurgent Acquisitions LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my unalienable rights of XXXX religion and faith, falsely accusing me of owing an alleged debt which I adamantly refuse to pay. This company has demonstrated unfair and deceptive trade practices, as well as unfair debt collection practices. 

My religious beliefs, as stated in XXXX XXXX of the XXXX XXXX, emphasize " Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law. 

Resurgent Acquisitions LLC, however, has disregarded my religious convictions and persistently harassed me, making false statements about my concerns. 

In response to CFPB ID XXXX submitted on XX/XX/2023, Resurgent Acquisitions LLC stated that my concerns were already addressed in their previous response dated XX/XX/2023 which is false and misleading. 

Despite my explicit statement that I do not give lawful consent to transfer my personal identification information, the company continues to cause intentional infliction of emotional distress, XXXX, and harm to my family, willfully depriving us of our rights and XXXX faith. 

I reserve the rights to sue Resurgent Acquisitions LLC, its agents, employees, counsels, attorneys, etc., and demand compensation for the damages inflicted upon me and my family. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Product: Student loan

The is a follow up to complaint XXXX to be sent to XXXX for response. 

A recent federal government report stated that loan providers like XXXX XXXX provide borrowers with wrong advice. 

In my case, this misinformation has resulted to the following : 6 years worth of payments essentially being wasted. I was put into deferment during my XXXX XXXX XXXX and into forbearance after I completed my service, rather than taking the time to help them understand income-driven repayment. This has caused unnecessary fees and I pay more interest as a result. 

Can I trust your student loan servicer? 
I thought XXXX XXXX had the right answers. I had talked to them on several occasions in XXXX and XXXX about my PSLF and they told me I will pay the amount I had paid for XXXX or XXXX and not {$750.00}. I was told my told I will be notified to make the payment within 60 days. I was informed that I should not worry as my loan will not be reported as delinquent until after 90 days and by that time will have received the notification to pay the same amount I paid in XXXX for XXXX. 

Its not just on payments that I have been misled. XXXX XXXX have misinformed me on : Income-driven repayment Student loan processing errors Failure to help me understand my options when I came out of default Failure to help me understand Public Service Loan Forgiveness during my XXXX XXXX XXXX. 
Incorrect or insufficient information about eligibility, including types of qualifying loans Missed qualifying payments due to processing delays Problems with the job certification process resulting in miscounted payments XXXX XXXX can not say I talked to a customer service representative whos low on the totem pole. XXXX pointed out. This doesnt let XXXX XXXX off the hook. As the governments agents, XXXX XXXX serve the public and should make better efforts to provide accurate information, especially since they benefit from this arrangement.
Product: Debt collection

I am writing to bring to your immediate attention a critical matter regarding fraudulent accounts on my credit report. Upon a thorough review, I have identified several accounts that are not only unauthorized but also present a serious risk to my creditworthiness. I assert that these accounts are not legitimate and have been included in my credit report without my consent. I have taken immediate action to protect my identity and have reported these fraudulent activities to the appropriate authorities. Furthermore, it is evident that there is insufficient information to verify the authenticity of these accounts. I request a comprehensive investigation into these accounts, and in the absence of concrete evidence supporting their validity, I insist on their immediate removal from my credit file. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
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 XXXXXX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX,XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX # XXXX & XXXX XX/XX/XXXX# XXXXXX/XX/XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX 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 generallf, 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

On XX/XX/2021 I submitted an identity theft report from the federal trade commission FTC Report number XXXX to Equfiax as I have been a victim of fraud and identity theft. I added all the fraudulent accounts in my request and nothing has been done. I did not open any of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. 

Equifax is in violation of the Fair Credit Reporting ACT also called XXXX since i been a victim of identity theft and have submitted all the proper documents and they have not removed these fraudulent accounts within 4 business days as the law states. 

I have provided more than enough evidence to support my claim This is my third request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT AND I STRONGLY BELIEVE THAT EQUIFAX IS THE ONE WHO SOLD MY INFORMATION BECAUSE FOR MONTHS NOW I AM TRYING TO RESOLVE THIS WITH THEM AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, ALONG WITH NOTARIZED AND ORIGINAL DOCUMENTS FROM THE CREDITOR DIRECTLY AND THEY STILL ARE NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XXXX ACCOUNT # XXXX OPEN DATE XXXX IS NOT MY ACCOUNT.
Product: Credit card or prepaid card

I have 2 cards with synchrony bank. One is a store Brandsmart Card and the other is Care Credit for medical. Wither respect to my store card initially received XXXX credit limit while making appliance purchases. I made on time payments and within 1 year with my balance @ XXXX this company randomly decreased my credit limit to XXXX which adversely affected my credit and made me incur additional high interest fees with them making my account over the limit. The same happened with the care card. I used it during the pandemic to offset my wife medical bills and was paying on time then the credit limit randomly dropped by XXXX and put me over the limit and I have to pay additional interest fees because of it. Its a shame that while so many creditors were helping consumers during the pandemic, synchrony chose predatory practices detrimental to consumers.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. These inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in XXXX!!! 

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

I have already notified CFPB, and the Federal Trade Commission by completing an identity theft report and I have included copies for your review.
Product: Mortgage

I have been paying a XXXX mortgage on our other house that my stepson and his family are living in. In 3 1/2 years they have maybe payed me a total amount of {$1500.00} and the mortgage is almost {$800.00} pr month. I have called Green Tree ( mortgage ) co and asked for modification to lower the payment. After getting all of the paperwork together we were denied. I at that time tryed to get in touch with my Account Manager at Green Tree and found that I have my third different account manager who in turn told me not to make a mortgage payment 4 four months and that will force Green Tree to help with lowering the payment. That did n't sound right and I heard of CFPB through a title servicing company. So I am writing this letter and asking to get the right and legal help for my situation. On Wednesday, XXXX XXXX 2015 I found out that I now have my fourth account manager in the last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a current customer of Freedom mortgage and requested a Cash out refinance back in XXXX of 2021. They asked me to provide a {$300.00} deposit for an appraisal which I did back in XXXX they indicated that I would be refunded the {$300.00} if anything happened and the refinancing did not go through because of the incompetence of their customer service department they did not get the paperwork processed in time on XX/XX/2021 on their form I requested a refund of that {$300.00} they indicated it would take 10 to 14 business days for it to show up in my checking account today is XX/XX/XXXX and after numerous emails back and forth about this {$300.00} I am still yet to receive it. I have copied the emails and attach them for your perusal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account XXXX Acct XXXX, XXXX, XXXX and XXXX   XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX/XXXX   XXXX I XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry.
Product: Checking or savings account

XXXX XXXX, CA. Wells Fargo Bank. I moved I'm In with my son XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX. My name is XXXX XXXX XXXX. I had we'll over {$300000.00} in my account and my son started taking my money without permission. I authorized {$700.00} a month for rent but he took a lot more on top of that. Later I became I'll and my other son XXXX XXXX took it upon himself to take all my money, without my permission or medical paperwork and put it in his account. Because this bank institution released it to him and because the institution knew that monthly I would never spend that kind of money in the many years I banked with them, they should of stopped all monies from being used or released until they spoke with me. I went there to get my records and find out where my money went and they would not release that information to me. I believe it was XXXX at the bank, who said that he saw far to much money going out and knew something wasn't right. I need an account of all payment going out, anytime my atm card was used by someone other than myself and where my money is located now. Also I need to know if it is in my name still because I have no access to my own money and my son XXXX is spending it however he likes. I believe bank institutions are mandated reporters. They could contact XXXX XXXX at XXXX in XXXX CA XXXX Thank You. 
XXXX XXXX XXXX If you need to speak to me please call my daughter, XXXX XXXX at XXXX XXXX
Product: Debt collection

I spoke with a representative by the name of XXXX XXXX in XX/XX/XXXX. She stated that if I paid the balance in full the entry on my credit report would be deleted and it would be like it was never there. I paid the balance in full on XX/XX/XXXX. To date, the entry has NOT been deleted from credit report as promised. I emailed the associate about it on XX/XX/XXXX and I have not received a response. They lied to me in order to collect the debt which a violation of the FDCPA, for which I will take legal action against them and XXXX. I would highly recommend the CFPB take a closer look at this debt collection company. Their practices are abusive and unethical.
Product: Mortgage

On XX/XX/XXXX we applied for a 30 year fixed mortgage with XXXX XXXX XXXX, XXXX, Michigan. XXXX XXXX XXXX took the loan application and stated that he would be our contact person. We explained to XXXX XXXX that we needed to refinance our existing mortgage with XXXX XXXX, XXXX, for a lower interest and also pay off a 7 % Signature Loan with XXXX XXXX XXXX XXXX, {$27000.00}. XXXX XXXX stated the Signature loan pay off would depend on the appraisal of our home. We paid a {$450.00} appraisal fee at that time. We were then notified by a XXXX XXXX XXXX, Senior Processor, on approx XX/XX/XXXX. XXXX XXXX then stated that our home appraised for {$200000.00}. I then ask XXXX XXXX if the entire balance of the Signature Loan would be paid off, due to the high appraisal of our home. During that phone call XXXX XXXX checked the figures and told me that there would be no problem. XXXX XXXX also stated that Mortgage Center would also get the payoff of both loans. We closed on our refinance loan with Mortgage Center on XX/XX/XXXX. Mortgage Center disbursed the money on XX/XX/XXXX. On, XX/XX/XXXX we became aware that our Signature Loan, at XXXX XXXX XXXX XXXX, had not been paid. Also our {$540.00} payment was due on the Signature Loan. XX/XX/XXXX my XXXXyear old grandson informed us that Mortgage Center had made an error and paid off his pickup truck. In a panic, XX/XX/XXXX I called Mortgage Center and talked to XXXX XXXX. XXXX XXXX said he would check into the issue and call me back. When XXXX XXXX called back he stated that the refinanced loan was closed and really didnt think there was anything Mortgage Center could do. He recommended that my grandson make his original truck payment to us. Then we could put my grandsons payment to our 7 % Signature Loan. I still today cant imagine being offered that solution.
Product: Money transfer, virtual currency, or money service

sent XXXX to the wrong person on accident and zelle told me they couldnt do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems reporting inaccurate erroneous information PAID ITEMS REAGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. Chex systems has discriminated against me. If Chex if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST CHEX SYSTEMS FOR MULTIPLE VIOLATIONS. 

FOR ACCOUNT : XXXX  XXXX XXXX XXXX  ENDING XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get different disputes solved in order to get certain items off of my credit report and multiple listings corrected as well. Every time I have tried, they won't reopen the dispute or let me resubmit it again. Every single time I have tried to get old accounts off they refused to remove it, double reporting accounts they refused to remove it even though one company no longer owns it/. I am sick and tired of this company refusing to do anything further.