23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX upon viewing my credit file via XXXX  credit monitoring, I noticed a collection account by Resurgent Capital Services of a debt that I have no recollection of. Worth noting is that this is the only collection account reflecting on my credit file and has caused my credit score to significantly plummet.

I have never received any communication of this debt from Resurgent Capital Sevice. More importantly, they did not provide me with any notification what-so-ever of my right to dispute the debt.

Today, onXX/XX/XXXX, I contacted the above-mentioned collection agency and spoke to an agent, who I asked to verify their mailing address. Attached is a copy of the letter I mailed to them on XX/XX/XXXX asking for a verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to file a dispute for some inaccurate information for my XXXX XXXX credit card but the online dispute system refused to accept my dispute. Listed below is the basis for my dispute. 

On XX/XX/XXXX I received a notification from Experian stating that my XXXX XXXX credit card account was 30 days past due. When I contacted XXXX XXXX they informed me that I made my minimum payment of {$45.00} on XX/XX/XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. I then contacted customer service again and spoke with XXXX ( # XXXX ) and she took the time to explain what was going on with my payment history. She stated that back in XX/XX/XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XX/XX/XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XX/XX/XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XX/XX/XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. I then made the payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XX/XX/XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XX/XX/XXXX. XXXX the customer service rep stated that the payment made on XX/XX/XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XX/XX/XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XX/XX/XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. If XXXX XXXX would have applied the payments as instructed then the account would be current.
Product: Vehicle loan or lease

Making payments on car had about XXXX leftfell ill with XXXX  and couldnt make payments and they repossessed with all my belongings in it
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inquiries that were not authorized by me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Today ( XX/XX/XXXX ) I received an email from XXXX XXXX XXXX Bank stating, XXXX, Thanks for applying for a XXXX credit card. 

This was not sent to my personal email but actually my parents email. 

Personal Email : XXXX Parents Email : XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact XXXX about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to one of their locations. 

Additionally, I received an update via email today ( XXXX ) from Experian stating my credit file has been updated. Upon looking in to the update it says, XXXX XXXX XXXX got a copy of your Experian Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking your Experian XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your XXXX XXXX and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with XXXX nor have I ever.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been batting with Equifax for a year about this items on my credit file. I have disputed them sending documents and they have investigated and sent the results back to me. That these items have been deleted from my credit file. And that they have done everything so that these same items want reappear on my credit file. So a year later these same items and companies have reappear back on my credit report causing very harmful to my credit score, causing it to drop. When contacting them they seem as if they do n't know what i am talking about. When these are the results that they have sent to me after investigate it, After sending in a copy of their letter head with their logo on it showing their investigation that they have completed. That these items have been deleted and that they have showed back up on my credit files. These are the accounts as follows : Confirmation # XXXX on XX/XX/XXXX/Accounts # XXXX, {$25.00} # XXXX, {$110.00} Confirmation # XXXX on XX/XX/XXXX/ Account # XXXX {$50.00} and accounts # XXXX {$37.00} and {$210.00} CASE NO.XXXX on XX/XX/XXXX was deleted and showing back up on my credit files as XXXX balances. But as they reappear causing a impact to my credit scores causing it to drop. Please have them removed.
Product: Student loan

I tried to see if I was qualified for the student loan forgiveness program, but I never received any updates.
Product: Vehicle loan or lease

I called in on XX/XX/14 which was the XXXX day to make my payment for XXXX. i was advised that the check for my payoff will be backdated to XX/XX/14 and my credit will not be effected due to backdating the payoff. i spoke with sup XXXX ID XXXX today and she advised me that the rep did misinform me and there was nothing chase could do on their end to correct the reporting. had i been advised to make the payment that day i would have. i offered to send in proof of closing from XX/XX/14 with my new car as well as bank statement proving funds were available to make payment on XX/XX/14. i am begging for some assistance as my father is on this loan as well. he is a veteran and this could impact his clearance. this is my first time ever trading in a car so i was unaware as rep should have coaching me to make payment.
Product: Debt collection

Hello, XXXX XXXX XXXX placed a collection on my credit report. When I contacted them on 3 different occasions requesting debt validation, they advised me that they were in fact a lawyer. The person who answered the phone took my name and email address stating she would have her manager contact me back about this debt. Not one time did they return my call or send information like I was advised. So I filed a complaint with all three credit Bureaus, providing them all of the evidence that I do not owe the debt. Then I filed a complaint with the BBB against XXXX XXXX XXXX since I could not get a reply. XXXX XXXX XXXX replied to the complaint stating this account is no longer with our company, please contact the XXXX XXXX XXXX  XXXX XXXX. I responded to their response saying I did not accept their response because I wanted to know why my account had been placed with someone else. They responded again stating basically the same thing, for me to contact XXXX XXXX XXXX XXXX XXXX. So they refuse to validate the debt, then also refuse to even give an explanation as to why it was sent to another attorney. They claimed to be a lawyer so why are they sending it to another attorney? During this time, XXXX sent me a letter stating that the account I was disputing was no longer on my account. So I had in fact won the dispute. My next step was contacting XXXX XXXX XXXX XXXX XXXX. I emailed them all of the proof on XX/XX/XXXX, showing them I do not owe this debt, then on the XXXX of XXXX National Credit Systems placed this back on my Credit again. Im still waiting to hear back from XXXX XXXX XXXX  XXXX XXXX, but they have not moved forward since I sent them the proof. There are many complaints of both of these companies online, and XXXX XXXX XXXX has actually been sued successfully for unethical practices. If this company no longer has my account then why are they continuing to place false information on my credit. Companies like this need to be stopped. I have Retained legal counsel and in the process of filing a lawsuit.
Product: Debt collection

I was harassed by Title Max Corporation of Nevada, XXXX representatives from the company ( XXXX including branch manager ). These individuals came to my place of residence asking for payment, trespassed onto a gated company. Discussed my financial matter with a family member. The account had been delinquent for 15 days. Every employee continue to contact regarding a title loan that is currently in default. I started making my phone calls the appropriate departments and I am refusing to pay any more on a contract that 's violated FDCPA regulations XXXX. 

I believe these individuals have been engaging in illegal debt collection policies and practices. Their engaging in loan agreements that surpass the allowed length of a title loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  equifax XXXX improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Equifax received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for XXXX to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX # XXXX, and 3.XXXX XXXX XXXX XXXX XXXX. Equifax has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Equifax received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Equifax has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
Product: Credit reporting or other personal consumer reports

at the date XX/XX/XXXX I send the letter to TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA, XXXX, in reference to Dispute and Verification of Collection/Charge-off Account on My Consumer File. 
formally dispute and request verification for a collection or charge-off account Account Number : XXXX, Creditor Name : XXXX, Account Number : XXXX, Creditor Name : XXXX XXXXXXXX, Account Number : XXXX, Creditor Name : XXXX, that is currently being reported on my credit report ( Reference Number : XXXX ). I have reason to believe this account does not belong to me or has been inaccurately reported. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the right to accuracy and verification of debts under 15 U.S.C. 1681s-2 ( a ), I kindly demand that you provide me with the original contract containing my wet ink signature which will validate and verify the debt allegedly belongs to me. 
Specifically, in accordance with these regulations, I request the following : The original contract or agreement with my wet ink signature. 
A detailed account history, including any and all payments made. 
The license numbers and state registrations of the collection agency to ensure its legality to collect a debt in my state. 
Documentation that verifies the amount you are reporting.If you can not provide these documents or if the alleged debt can not be verified, then reporting it would be a direct violation of the FCRA. Hence, in such a scenario, you would be obligated to promptly delete this account from my credit report. 

its more then 30 days and they don't delete all the accounts from my credit report.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Mortgage

I had a yearly escrow analysis done on my mortgage account, which at the time of the analysis was just a little over XXXX months old! Then I was told that a second XXXX had to be done to correct the problem are to see if there was a problem with the first XXXX and it would take 5 days to be completed. Its now been 8 days and its not completed
Product: Money transfer, virtual currency, or money service

After seeing that XXXX.XXXX  had scammed me of my money and I couldn't do anything, I found in an advertisement from a Spanish financial broker the recommendation to hire XXXX  from the company XXXX XXXX, in the United States, which had a high success rate in the recovery of scammed XXXX. Once I verified the company and saw that there were no complaints or warnings of it being a scam, I contacted them. The first contact was called XXXX XXXX phone XXXX XXXX XXXX XXXX on XX/XX/year>. She wrote to me on XXXX ( XXXX XXXX ) and we talked, she told me that XXXX  services were XXXX euros and after sending her my scanned ID, she sent me the service contract. Given the economic situation, she offered me to pay in 4 months at a rate of XXXX euros / month. I accepted and signed the contract. I was assigned to the Consultant XXXX XXXX located in New York, he spoke XXXX, they registered me in the client portal, which was the means of communication with the company, to upload the scam documents, transfers, conversations, etc. All this was done from XXXX to XX/XX/year>, the consultant XXXX indicated to me that he would pass it on to the XXXX  lawyers to start JUDICIAL actions, I was waiting a week, and when I tried to enter the client portal, it appeared that they were blocked by the FBI. Then data began to appear that it was a scam. I contacted the FBI by email ( XXXX ) and they indicated to me that it was correct, it turned out to be a scam. They sent me a questionnaire to send it to them and take it into account for the investigation. Payments were made from XXXX XXXX XXXX by CREDIT card AND TRANSFERS on the dates : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX CHASE BANK XXXX XXXX TRANSFER  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX CHASE BANK XXXX XXXX TRANSFER XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX FROM XXXX XXXX  PORTAL XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Always had problems, been through since XXXX. Never resolved! ... i am XXXX so life been told was resolved and fixed it but it's never been since XXXX!
Product: Debt collection

Discover is trying to sue me on a debt that 's too old
Product: Credit card or prepaid card

I made my regular payment ( to bring the account balance down to {$0.00} ) in XXXX on my Kohl 's XXXX XXXX, and Kohl 's proceeded to return my payment AFTER the XXXX day mark, and not notify me. I was notified by my credit monitoring service. Due to this, they have marked me as late by XXXX  days on an otherwise perfect payment history on the account. Reaching out to the company and credit bureaus has ended with nothing being done.
Product: Mortgage

As a mortgage holder of loan product from XXXX XXXX XXXX/XXXX that was so risky I had real hardships and struggles for close to five years until abput 2011. Not one loan modification program as subsidized by the government was allocated for my relief and it surely wasnt for lack of asking. I have to assert this time though that XXXX XXXX XXXX allow some principal reduction or forbearance with my toxic mortgage loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I got a email on my phone from Wellsfargo, the email looked suspicious so I forwarded it to Wellsfargo XXXX to report it which is attached. So, on XX/XX/2021 I received 3 notifications on my phone stating ( 1 ) Telling me I enrolled in the wireless service ( I have never done a wire transfer in my life ) ( 2 ) You added the receipant XXXX XXXX to the wire transfer ( 3 ) You sent a wire transfer to XXXX XXXX in the amount {$2800.00}. I noticed I received these notifications around XXXX XXXX. My phone records that are attached shows I contacted XXXX at XXXX @ XXXX & stayed on the phone 70 minutes telling them someone hacked my account & I did not authorize or make this wire transfer. I have 4 accounts that links together. I have the account listed as ( 1 ) XXXX  ( 2 ) XXXX, ( 3 ) XXXX  ( 4 ) XXXX  & XXXX  account. The hackers transferred all the money from 3 accounts into the XXXX  & XXXX  account. Then they did a wire transfer in the amount of {$2800.00} from the husband & wife account to XXXX XXXX acct with XXXX XXXX. I have never heard of this person. The representative told me they were going to see if they could stop the transfer because the hackers had just done it at XXXX. I submitted a online claim & a wire transfer claim on XXXX Wellsfargo Fraud Department. I also filed a police report with XXXX XXXX Police in XXXX, Ga ( Case # XXXX ) Couple days later I called to check the status of my claim & they tell me they didnt try to retrieve the fund until XX/XX/2021. In my mind they gave the hackers plenty of time to get away with my money & why wasnt the wire transfer stopped in XX/XX/2021 the same day i notified you & the day it happened? So, after this I made a appointment to speak with a branch manager at Wellsfargo & when I got there they just let me spoke with someone else which all she did was called the fraud dept. & said there was nothing she could do. I To my knowledge I did everything right, but I get a letter from Wellsfargo like they blaming me & refuse to reverse the funds back to my account. I thought my money was safe & insured. I been with this bank for over 20 years & never had anything like this happen & get treated like this. I work too hard for my money for someone to hack my acct & steal it!
Product: Student loan

Loan was transferred from XXXX XXXX to XXXX XXXX. Information was due to be provided so that an account online could be created - a " Heartland key '' so that payments could be made. Key was never provided. Updated information was never mailed. I was able to obtain a key from chat support. Payments fees are exorbitant - over 9 % with a debit card. Between $ XXXX {$1.00} to pay by check. I decided to do a full pay-off of the loan. Was unable to complete the payment online - received repeated errors that they could not process my payment and was provided a Customer Service phone number. Called in and was told to use a different browser ( error code does not indicate as such ) - tried XXXX, XXXX XXXX, XXXX, XXXX, and XXXX with cleared cache in each browser. Was told " in certain cities we only allow certain browsers. '' Asked to make a payment over the phone since an online payment was not possible - was told that I would be charged {$10.00}. Asked to speak with a supervisor to waive the {$10.00} fee. Was told none were available and someone would call me back ( meanwhile, the loan accrues interest daily ). Customer service agent was rude and eating during the call.
Product: Debt collection

I recently pulled a credit report and saw that XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida.