23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent a dispute to Resurgent Capital Services regarding a fraudulent payment they are reporting on my credit file. Specifically, they claim I made a payment on XX/XX/XXXX, which is false. 

On XX/XX/XXXX, Resurgent responded by sending XXXX conflicting documents : XXXX document stated that no payment was ever made and that the reported fluctuation in my balance was due to an interest adjustment. 
Another document falsely stated that a payment was made on XX/XX/XXXX. 
Given these contradictions, I sent a final demand letter on XX/XX/XXXX, demanding that Resurgent remove the fraudulent payment information from my credit report. In this letter, I provided them with clear evidence of the XXXX conflicting statements they had sent me. 

Instead of addressing this issue, Resurgent ignored my proof and re-sent the same inaccurate document, again falsely stating that a payment was madewithout providing any valid documentation or proof. 

This company is fraudulently reporting false information on my account in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). They are : Providing conflicting information about a non-existent payment. 
Failing to properly investigate and correct inaccurate reporting. 
Misrepresenting the debt by falsely stating a payment was made. 
I am requesting the immediate removal of this fraudulent payment from my credit report and enforcement action against Resurgent for their clear violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Equifax on yesterday and it shows multiple inaccuracies, including the incorrect spelling of my name along with several inaccurate accounts. I have requested multiple reinvestigations and/ or the removal of the inaccurate information. To date, nothing has been sent to verify proof of the investigation and no inaccuracies have been deleted as per 15 U.S. Code 1679c. Now, per 15 U.S.C. 1681, I am requesting the following inaccurate accounts be DELETED Immediately. 

XXXX XXXX  - XXXX - Never late, Account in litigation XXXX XXXX XXXX XXXX XXXX XXXX - Not mine, no knowledge of this account, see Statement attached. It does not state my name or joint information XXXX XXXX XXXXXXXX - Never late, Account in litigation Name- XXXX XXXX XXXX XXXX not XXXX. Delete ALL accounts attached to this wrong name that inaccurate, fraudulent, and is not identified as me.
Product: Student loan

In XX/XX/2006 I got a private loan from XXXX XXXX XXXX XXXXXXXX. I was making payments for a period of time but the payments were over {$400.00} and the agency refused to take smaller payments my aunt who is a co-signer on the loan paid {$8000.00} she had originally agreed to pay {$16000.00} to settle the account but when time came for her to pay them they refused. The lump sum was out of her retirement fund The loan amount was for about {$22000.00} now I have been sued for this account over ten years later I do not know what options I have left I have seen similar lawsuits against this same company I feel this company has treated me unethically and should be stopped
Product: Credit card or prepaid card

I have a credit card with Capital one. I recently paid off the account in full based on the balance quoted by their system online. I even paid {$10.00} ( XX/XX/XXXX ) over what was quoted because historically Capital One always charges misterious interest after I have paid off the account. I contacted them this time and asked how would I know about some interest charge if there system ( which quotes the payoff ) does not show it. They said because of the billing cycle it would not show the correct payoff. If I am customer it would seem there is no way to full know what is due and it seems like a scam that these charges show after they accounts are paid based upon what was due their system. This seems to be common among credit card companies, they know how to charges interest but there system can not truly show what the payoff is exactly. I think this should be looked into.
Product: Student loan

I thought I was talking to my student loan servicer itself but I was actually speaking with a third party consultant that I am not actually in need of they wanted to charge an upfront fee of {$290.00} and I am not needing their assistance since this information is free of charge. The company claims to be able to help me get lower payments in the future and that they have access to help me. I have called them to revoke my payment but there has been no one to answer or return my calls. the company is called Titan Prep Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my debts are gone and they are not reflecting the numerical score that matches my profile, my numerical score went to 4 from being in the 100 's. I can no longer even see a score on XXXX. This negative/derogatory reporting is infringing and limiting my liberties. I have NO debt and no score, how are they allowed to do this to a person. 

Failed to report the fact I do have a XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXXXXXX XXXX transaction list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it XXXX reported as pay as agreed XXXX 

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Consumer Services , I am writing to formally request the blocking and permanent deletion of all fraudulent accounts and inquiries listed on my credit report, as I am a victim of identity theft following a recent data breach. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I am requesting the removal of these accounts to protect my credit standing and prevent further unauthorized use of my personal information. 
The accounts in question are as follows : Accounts to Be Deleted : 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
Product: Debt collection

These various companies have attached these debts to my credit profile. They are as follows : 1. XXXX XXXX XXXX  {$310.00}, XX/XX/2019 2. XXXX XXXX XXXX {$2100.00}, XX/XX/2019 3. Creditors Bureau USA {$500.00}, XX/XX/2019 4. XXXX   XXXX  {$1000.00}, XX/XX/2019 5. XXXX XXXX {$510.00}, XX/XX/2019 6. XXXX XXXX XXXX {$360.00}, XX/XX/2019
Product: Credit reporting or other personal consumer reports

I have viewed a copy of my consumer report and when reviewing a copy of it I noticed that the consumer reporting agency as well as the so called " creditor '' have unlawfully furnished my information without my consent. It is very clear that within the FCRA in pursuant to 15 USC 1681B they must have my written consent or court jurisdiction to furnish any of this information on my behalf, I do not consent to them furnishing anything on my behalf, with that being said i am cease and desisting all illegal activity In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Checking or savings account

Throughout my time of being a personal and business Wells Fargo customer. I dont have exact dates or times but I can recall being hit with insufficient funds fees 5 times a year with a ten year span. If my account goes negative Im in the wrong but the thing that gets me is that I would put the money in my account before the next business day and call customer service and they would tell me Im in the clear, then Id get hit with {$35.00} insufficient funds fees. I feel like Ive been legally robbed bc they say the funds will be reversed and it never happens. Idk if they do that because of minority small business or what but enough became enough. I switched to XXXXXXXX XXXX  and not once have dealt with such foolishness.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 we paid our RV loan in full with an overage. The payment made by a third party buyer was in excess of the payoff amount, and paid in the form of a cashier 's check. We deposited the check to Huntington Bank that same day and were told that we could expect a refund check in 7 business days. The check did not arrive, but we received a payoff letter stating our account was paid in full and closed. We called to inquire about the title and check, and were told they couldn't do anything until it was 20 days deficient. We waited the 20 days and asked for the check and title. We were told they could reissue the check and title, but the fastest way to obtain the title would be to take the letter to the XXXX. The letter had the wrong address, so the XXXX won't release the title to me. They asked me to go back to my bank to get this corrected. I called Huntington again on XX/XX/18 and explained the letter had the incorrect address, I'm not able to get the title for my vehicle. They admitted that they put the incorrect information in their system and the check, title, and letter all had the incorrect address. They reissued the check and title at this time. Today is XX/XX/18 - 5 additional business days and I still don't have a check or title. I live within a 10 mile radius of Huntington Bank 's corporate office. I have called and pleaded with this company to do the right thing and provide me with money that was never theirs. They refused. I asked to have them do an Electronic Funds Transfer from their bank to mine. They refused. I asked for them to make the funds available for withdrawal at a local branch. They refused. They have my title and my money - they are taking no steps ( other than standard " It's in the mail, what else do you want from us '' ) to resolve this issue. I expect that if a company finds their process failed, they would do what they can in order to do right by the customer. I feel that not only is this not in Huntington 's process, the representatives they employ are beholden to a corporate motto and can not think/deviate from this process. If this situation were reversed, I would be assessed a daily fee until the funds were deposited to them. The irony of a bank being late paying a consumer and using the phrase " the check is in the mail '' should not be lost with anyone. I hope that this example enables a quality review of their practice and processes when something doesn't go correctly. I hope that this complaint is the only one of it's type that Huntington has to deal with. I hope that Huntington truly values customers as their vision says " At Huntington, we see it as our responsibility to look out for people. Theres a common bond that connects us all as humans, and together, we can make this world better. '' I don't feel that in my situation, Huntington is holding up their vision - I feel that Huntington doesn't take any responsibility to fix their error, simply put - they *might* send the check in the mail.
Product: Payday loan, title loan, or personal loan

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX CELL ON XXXX XXXX 2017 I  APPLIED AND WAS GIVE AN APPROVAL FOR A LOAN FOR {$64000.00}. I WAS TOLD THAT IT WOULD BE REVEIWED AND WOULD TAKE APPRX 3-5 DAYS FOR FINAL APPROVAL. I SENT ALL OF THE REQUESTED & REQUIRED INFORMATION IN. BUT EVERY TIME I DID SO THEY ASKED FOR MORE INFORMATION. AFTER ALMOST 2 MONTHS ON THEXX/XX/XXXX 2017 THE LOAN / CONTRACT WAS COMPLETED AND SIGNED AND I WAS ADVISED THAT I WOULD BE FUNDED WITHIN 3 BUSINESS DAYS. BUT THEN ON XXXX XXXX 2017 I RECEIVED A TEXT AND A EMAIL STATING THAT THE NEEDED ADDITIONAL INFORMATION. I CALLED AND SPOKE TO THE OPPS MGR XXXX XXXX XXXX @ XXXX WHO REPORTS THAT NOW AFTER BEING APPROVED, REVEIWED OVER THE LAST TWO MONTHS, NOW THEY NEEDED SOME OTHER INFORMATION THAT WAS NOT REQUIRED TO GIVE ME THE FINAL APPROVAL OF MY LOAN, BUT THEY WERE GOING TO REVERSE THAT CONTRACT AND ASK FOR MORE INFORMATION. IT IS MY BELEIF THAT SOFI HAS PATTERNS AND PRATICES HAT ARE DISCRIMMINATING IN NATURE. AND I BELEIVE THAT SOFI HAS BEEN LOOKING FOR SOME REASON TO DENIE ME OF THIS LOAN VS GIVING ME THIS LOAN BECAUSE OF MY RACE, COLOR, OR CREED. YOU CAN NOT APPROVE AAND FINALIZE A LOAN, HAVE A SIGNED CONTRACT FOR SAID LOAN, SEND ME A LETTER SAYING SO AND NOW TAKE IT BACK FOR NO OTHER REASON AND DISCRIMMINATION. XXXXI WAS APPROVED ON XXXX XXXX 2017, AND THE CONTRACT WAS SIGNED ON XXXX XXXX 2017 AND COMPLETED FOR FUNDING. THIS IS A CONTRACT AND THEY HAVE A RESPONSIBILLITY TO FULFILL THAT CONTRACT. XXXXI THEN SENT A LETTER TO THE CEO XXXX XXXX  XXXX @ XXXX@XXXX, AND ON THE XXXX XXXX I RECEIVED ANTHER LETTER FROM SOFI SAYING THAT NOW I HAVE BEEN DENINED A LOAN AT FROM SOFI WITH A XXXX CREDIT SCORE FROM  XXXX XXXX 2017. I WAS ALSO LOCKED OUT OF ALL OF ME ACCOUNT INFORMATION AN OF XXXX XXXX 2017 AND CAN NO LONGER SEE MY ONLINE ACCOUNT OR STATUS. XXXXI HAVE A COPY OF SAID LETTER ALONG WITH VERIFIING INFORMATION AND EMAILS TO CONFIRM THE STATUS OF MY SAID ACCOUNT. XXXXYOU MAY CONTACT ME @ XXXX@XXXX, OR MY CELL XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment and concern regarding an inquiry that recently appeared on my credit report without my prior knowledge or consent. As you are aware, the Fair Credit Reporting Act mandates that no one can access an individual 's credit information without obtaining their consent first.
Product: Money transfer, virtual currency, or money service

Cash app has allowed transaction that were unauthorized. They have denied my disputes then shut my cash app down and won't send me any information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from Experian report # XXXX stating that pursuant to section 611 ( a ) ( 3 ) ( A ) of the FCRA they will not re-investigate the same dispute again at this time. 

The creditor agency intentionally reported my address incorrectly. My address is XXXX XXXX XXXX XXXX CT. According to the FCRA 623 information furnisher have the obligation to report accurate information Rule 660 pertains to information furnishers and their duties under the Fair Credit Reporting Act U.S.C 1681. 

The disputes against XXXX/XXXX XXXX  are not irrelevant. Experian had inserted duplicates of the same account information previously disputed. Thus re-aging the accounts and date of first delinquency, collection dates and time since negative. 

The FICO score report indicated that the account was re-aged. Experian did not have reasonable procedures in place to prevent violations of the act FCRA 623 ( a ) ( 1 ) ( c ). 

Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ). 

CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX Account # XXXX h as violated my rights. I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 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: Credit card or prepaid card

I signed up and was approved for a Citi Bank XXXX XXXX card. I setup my online account with my temporary card, and once I received my full card I set it up in the app as well. I went online and setup my payment account and so on. Once I got my full card I attempted to setup XXXX XXXX and that was a living nightmare, I couldn't receive an SMS OTP code, or a Phone call from Citi to finish setting up my account ( Funny story, attempting to use XXXX XXXX years ago on my Citi Double Cash card caused me to stop using it since it was nearly impossible to do so ). In the past week since validating my card, when I've logged into the app I've been locked out 3 times now, each time requiring me to call the " fraud '' department which has no clue what is going on. The first 2 times I got it unlocked, and the third time they couldn't help me so I got transferred over to tech support, and XXXX just deleted my account saying it was setup improperly. Now I'm accountless and Citi 's absolutely terrible online banking system isn't compatible with password managers. I'm not going to type in a 32-character randomized alpha numeric password by hand twice especially because of poor technical choices by Citi. So now I can't even pay my bill since you deleted my account instead of just unlocking it.

Oh and for the cherry on top you DON'T EVEN SEND ME A NOTIFICATION WHEN YOU LOCK MY ACCOUNT! I can still use my card, but I can't check my balance or pay it. I quite literally want to give you my money and you REFUSE to take it.
Product: Money transfer, virtual currency, or money service

A transaction through Paypal on XX/XX/XXXX for {$910.00} was debited back to my account on XX/XX/XXXX. I explained to Paypal rep that pay pals contract, which is a contract of Adhesion, states clearly that this transaction is guaranteed. Paypal uses the guarantee offer to solicit consumers to sign up as use they service, as they did with me. However, PayPal seems to DELIBERATELY ignore their own policy, breaching our contract. I have been unable to use my PayPal account for weeks and this has cost me business.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the multiple attempts to correct the late opening of accounts and the removal of late-closed accounts associated with my account at your esteemed institution. 

I initiated the process to open and close accounts, respectively. Unfortunately, these actions were not processed in a timely manner, leading to significant inconveniences on my part. Despite my repeated attempts to rectify the situation through various channels, the issue remains unresolved. 

I have made numerous phone calls to your customer service department, visited the branch in person, and submitted written requests through your online portal, all in an effort to expedite the resolution of this matter. Regrettably, each interaction has yielded nothing but assurances and promises without any concrete action taken to address the delays and errors in the account processing. 

The impact of these delays has been substantial, affecting my financial stability and causing undue stress. Furthermore, the late opening of accounts has resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I understand that errors can occur in any institution, but the repeated failures to rectify the situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is within my rights to receive timely and accurate service from your institution, and I am disappointed that this has not been the case. 

In light of the above, I kindly request that you take immediate and effective action to resolve this matter. I expect a thorough investigation into the root cause of the delays and errors, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and v. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.