23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XXXX XXXX XXXX Resurgent capitol services has sent me letters for an alleged debt that I do not owe and have responded to them with this letter : XX/XX/XXXX ( XXXX letter since XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE  : Ref # XXXX Dear Sir/Mam, I received a letter on XX/XX/XXXX and dated XX/XX/XXXX ( XXXX XXXX XXXX  regarding an alleged debt which I do not owe. I believe Resurgent Capitol Services is acting in bad faith, and have not complied with State and Federal Regulations i.e.. FCRA section 605, 611, [ 15 U.S.C.1681i, 1681g, 1681d and 1681e ] respectively. In addition to Section 311 of the FACT ACT. There is reasonable cause that the information is inaccurate FCRA 1681 by reporting three separate collections on my credit report however, the letter I received is referencing one balance of {$910.00}.

In accordance with the Fair Debt Collection Practices Act, I am requesting all of the following information be provided to me by mail : 1. The official original amount of the alleged debt.

2. Official Confirmation of the full legal name and mailing address of the original creditor for this alleged debt.

3. Documentation Verifying that I am responsible for this debt. In addition, all application documentation including verifying that I signed such purported application as well as validation that I was the actual person who signed any purported application documents.

4. Documentation showing you are licensed to collect debts in the State of Virgina.

Because I am writing to you within 30 days of being notified by your company about this alleged debt, you must cease attempting to collect this alleged debt until after you have provided the information I have requested, which are my federal rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

As stated by FTC FCRA 616,617,621 if you do not comply, you may be sued by the FTC, consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. Comply with my written notifications ( XXXX time since XXXX XXXX ) stop violating my rights and comply as dictated by law and FTC regulations. ( Copy of FTC Regulations eclosed/attached ) If you continue attempting to collect on this debt without first providing written verification, which I have requested since XX/XX/XXXX, you will be in violation of the Fair Debt Collection Practices Act. 
If also continue to contact me without complying as dictated with above requests I will be well within my right to file a complaint with the ( CFPB ) Consumer Federal Protection Bureau. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request that the accounts in question be thoroughly reinvestigated, and that any inaccuracies be corrected or removed from my credit report. Additionally, I ask that all unauthorized inquiries be removed from my report. I also seek a written confirmation of the changes made, along with an updated credit report reflecting these corrections. If the issues can not be resolved, I request a clear explanation of the findings and steps taken during the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, i have reported to the police, I have items on my XXXX and Equifax reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B,  my identification, social security number, and address proof, however these companies XXXX and Equifax refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH EQUIFAX AND XXXX REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY XXXX AND QUIFAX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.
Product: Vehicle loan or lease

I was a XXXX XXXX XXXX XXXX, who rented a car from a partner of XXXX called Fair. 
I rented the car and paid a weekly sum of {$210.00}, until a unfortunate situation occured. 
Fair  broadcasted an email saying that they were ending business in Virginia  due to Insurance Premiums, and that our deposits would be applied towards our last payment. 
I used my saved payment to pay on other Bill 's, then Fair  re-broadcasted another email saying that the prior email was erroneous, and our deposit would be returned to status. 
I have been living in hotels since the day I began with Fair and XXXX. I'm also responsible for every other expense, and I found myself in a bind, and was behind. Before Fair took the vehicle back they did deduct a payment, and I emailed them saying that I'm having a minor cash issue. Nevertheless they still took the car. 
Now I'm without a means of income.And the company who repossessed my car wants {$75.00} just for me to get my stuff out. This company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX. 
I find this whole situation to be very unfair. XXXX errored in their email, which didnt really seem to be a well thought out decision, but it was enough to cause me a problem. Now much of my personal belongings are trapped in a car I cant afford to get into. It doesnt seem fair. If I had extra {$75.00} at that time, most likely this wouldn't of happened. 
XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

Received telephone call from EOS CCA at my place of employment. 
Returned call and was advised I owe a debt to XXXX XXXX. I advised in writing to EOS on XXXX/XXXX/2015 that I dispute claim and requested verification of debt because I never received a final bill after my cancellation of service indicating amount owed and for what services they rendered to me to cause my owing the debt. On XXXX/XXXX/2015 I received an alert by email from my credit monitoring service that XXXX potentially negative item was placed on my credit report, which was XXXX XXXX. I am also disputing that negative item with my credit reporting agency. As of the date, I have no response from XXXX XXXX or EOS CCA.
Product: Debt collection

I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.
Product: Checking or savings account

I got a check for {$4500.00} from a rental company for my rental deposit funds return on XX/XX/year> and I deposited the check into my CITI BANK account on XX/XX/year>, it was verified by the bank as a legit payment after 5 business days and gave me the access to the funds for the check, but after two months they have deducted the check amount from my account without my knowledge, I am not sure how a cashier check can be returned after 2 months, as i deposited the check through citi online banking and i was told to destroy the check after 2 weeks of deposit, therefore, i threw away the physical check and i do not have any physical copy of the check to recover my funds. Now my citi bank account is in negative status. Citi bank must recover the funds from the check, as i deposited the check to them and they never informed me any issues with the check for 2 months.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. I was a victim of XXXX XXXX XXXXXXXX  XXXX  Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX  Account Number : XXXX XXXX. 
XXXX  XXXX BANK Account Number : XXXX
Product: Debt collection

Currently in litigation at XXXX XXXX XXXX Case # XXXX, I received a presentment postmarked XX/XX/XXXX from XXXX XXXX who represents JEFFERSON CAPITAL SYSTEMS. Regarding Case # XXXX, Account # ending in XXXX, with a XXXX # XXXX, for the amount of {$990.00}. I have requested Validation of Debt not once, but twice. Sent via Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The second request Certified Mai l # XXXX XXXX XXXX XXXXXXXX XXXXon XX/XX/XXXX. Let it be known that this very moment, I still have not received a Validation of the alleged Debt. The responses to my inquiries were duplicate packets with letter and statement of account dated XXXX XXXX from the office in XXXX, Wisconsin. Not from the office located in XXXX, Massachusetts where the Validation of Debt inquiries were sent and signed for. Also, two copies of what was submitted to XXXX XXXX XXXX were sent to XXXX XXXX XXXX Attn : XXXX XXXX, Clerk Magistrate in XXXX XXXX, Massachusetts for Case # XXXX via Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX and Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. They can not validate the debt because they can not produce an Original Contract. As a matter of fact, per my credit report dated XX/XX/XXXX the alleged debt that I am being sued for was closed and written off, then purchased by another lender. Notice, it is a fact, and I am aware, you can not represent as an attorney and collect a debt at the same time without being a debt collector. Thats violation of the 15 US Code 1692e ( 3 ) and I am in litigation with a third party as they were not involved in the original transaction, nor do I have any contract with them, and I do not consent to this third party to being in my affairs. All testimony or representation from this third party is heresay!
Product: Debt collection

complaint # XXXX first. complaint. 



You are providing false information. The above lawsuit was not for XXXX XXXX. I did not mention at all XXXX XXXX. This is regarding the lawsuit that was filed against Phoenix recovery group associated with XXXX XXXX. This is what I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX XX/XX/2023, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing about a collection account that was added to my credit report on XXXX XXXX XXXX I did not receive a account number to associate with this account and I have enclosed a copy of my most recent credit report with this account highlighted. I was not contacted by ELEVATE RECOVERIES LLC prior to this account being added to my credit report which is a violation of FDCPA. This account is currently under dispute with XXXX and I am awaiting those results. As my rights under FDCPA have been violated by ELEVATE RECOVERIES LLC, I am filing a formal complaint. As FDCPA guidelines were not followed, I am requesting this tradeline be removed from my credit reports. 

I appreciate your time and attention to this matter and look forward to a resolution. 

Thank you in advance, XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding an inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is legally required to conduct a reasonable reinvestigation and delete any information that can not be properly verified. 

Experian responded by stating that the account was " verified '' but failed to provide any tangible proof that a real investigation took place. According to FCRA 15 U.S.C. 1681i ( a ) ( 7 ), I have the legal right to request the method of verification ( MOV ) used to verify the disputed information, including : A detailed description of the verification process. 
The name, address, and contact information of the furnisher who verified the account. 
Copies of any original documentation used to verify the accounts accuracy. 
Experian has refused to provide this required information, violating my consumer rights under the FCRA. Their failure to conduct a proper investigation and reliance on an automated e-OSCAR system instead of obtaining real documentation constitutes willful noncompliance with federal law. 

Violations of Federal Law ( FCRA ) & Monetary Remedies 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to Remove Unverified Information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to Provide Method of Verification ( MOV ) 15 U.S.C. 1681n Willful Noncompliance with the FCRA ( Entitles Consumer to Statutory and Punitive Damages ) In addition to my personal experience, it's noteworthy that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. On XX/XX/year>, the CFPB filed a lawsuit alleging that Experian conducted " sham investigations '' into consumer disputes, failing to properly address inaccuracies in credit reports. The CFPB 's complaint highlights that Experian 's inadequate procedures and failure to correct errors can significantly harm consumers ' access to credit, employment, and housing. 

This federal action underscores the severity of Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ) and reinforces the legitimacy of my complaint. Given that the CFPB is actively pursuing legal remedies against Experian for these violations, I urge the Consumer Financial Protection Bureau to consider my individual case within this broader context of enforcement. 

I request that the CFPB take into account both the systemic issues identified in their lawsuit and the specific harms I have suffered due to Experian 's failure to accurately report and verify information on my credit report. A fair resolution would include the immediate deletion of the disputed account, full monetary compensation for damages, and assurances of compliance with the FCRA to prevent future occurrences.
Product: Checking or savings account

Chime was offering a bonus of XXXX XXXX when sign up for a new account and receive a direct deposit of {XXXX} or higher in XXXX XXXX. On XX/XX/17 I opened a Chime account through XXXX and I completed the direct deposit requirement within 30 days. The activity ID on XXXX for this account opening activity was XXXX. Per the terms, I should have received the bonus within 60 days. However, it has been almost 90 days and I still have not received the XXXX welcome bonus points. I have tried to contact XXXX but they claimed my activity was not tracked properly in browser and they suggested me to reach out to Chime to locate my bonus. I believe the response provided by XXXX is a lie because I indeed got the activity ID which is a proof of such activity. Chime is an amazing virtual bank and I want to keep my relationship with Chime in the future. Can you please coordinate with XXXX and credit the welcome bonus of XXXX XXXX XXXX XXXX XXXX ( equivalent cash value of XXXX XXXX ) into my Chime? My XXXX ID is XXXX, if this helps. Attached is the detailed promotion terms and a copy of my bank statement. Thanks!
Product: Checking or savings account

To : Wells Fargo XXXX Department XXXX XXXX XXXX Request Unauthorized ATM Withdrawal Claim number XXXX Dear Wells Fargo, I am writing to formally request a reinvestigation of my recent fraud claim regarding an unauthorized ATM withdrawal on XX/XX/year>, in the amount of {$2100.00}, from my account ending in XXXX. 

My XXXX XXXX is in my position all the time and have not used it to withdrawal this money. 

This transaction was not authorized by me, and I did not receive any benefit from it. I believe your initial investigation did not fully consider the facts or evidence. I am requesting a copy of your findings under the Electronic Fund Transfer Act and a full reinvestigation. 



I would appreciate confirmation of receipt of this letter and expect a timely response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a customer of WellsFargo. Bank allows to open a CD on-line on their website but does not allow to close it. We must go to a branch to close it. Many Banks in the US and overseas allow to open and close CDs on-line. 

During Covid time, Bank allowed to close CDs on-line. Now it looks like Bank took it out from customers. 

I had a CD matured on XX/XX/XXXX and I could not go to a branch to close it as I was busy with my job. Since I could not get time to go to a branch, the CD got rolled over with 1.2 % from 4.1 %. I went there on XX/XX/XXXX to close it. They helped me to close it but charged me {$25.00}. This is weird. 
Wells Fargo allows to open a cd online but not to close it on-line. 

Branch : Wells Fargo XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. Phone : XXXX
Product: Mortgage

I have asked for a loan modification from Specialized Loan Servicing regarding a 2nd mortgage on our home. They sent forms w/instructions to fill out which I have done ( 3 times ). They send to me documents showing every thing is completed and no action needed except for a copy of my wife 's pension annuity letter from the XXXX. Copies of my wife 's annuity reward letter as been sent to them 3 times and now I am sending it for the 4th time for they keep saying they did n't receive all the pages. They have received them and they are either incompetent or they are stalling on purpose. I did a XXXX search on line and found hundreds of people are having the same problem with them. They claim they can modify the mortgage but seems they keep stalling until the time to do so runs out. I have been in this process with them for over 3 months. If not modified this loan will go from about {$120.00} per mo to $ XXXX.per mo. Do to a serious hardship we had during XX/XX/XXXX & XX/XX/XXXX we just cant swing that right now. we only asked for 2 yrs up front to remain under same terms as is now and give us that 2 yrs to get it paid down so the remaining 10 is more realistic. It seems they would rather force us out of our home. We have perfect credit and have never missed a payment on any loan or credit card in our lives.
Product: Credit card

I noticed a {$3.00} charge for fees and interest on my Lowes Reward statement. I've only had a carryover balance XXXX because I pay my statement balance. This caused me to go back and look at previous statements and I found several more but I'm not sure how many. I knew I had paid this one off but I had a balance if {$2.00}, I found out today this is their minimum interest! It was confirmed not only are they charging interest on the balance but also the balance I've paid.example in XXXX i charged {$150.00} and paid {$75.00} leaving a balance of {$76.00} for XXXX, however they charged me interest for {$150.00} daily! It was confirmed they will charge on balances paid so when I've paid my balance in full they go back and add interest I'm not aware of so again it adds a balance they can charge interest on the FULL past balance.i have XXXX credit cards and I never pay interest because I pay them off or have 0 % .This is fraudulent and deceptive.i am a XXXX senior on a fixed income if they are padding my bill how many more ppl are not aware? They advertise points to earn {$5.00}, never received XXXX, advertised special savings never had one, there missing purchase receipt for a {$91.00} charge. The charge is in the credit card doesnt match lowes records. Icontacted lowes and chase several times still haven't received a receipt or explanation.
Product: Credit reporting or other personal consumer reports

They failed to properly investigate disputes on credit. didnt complete in XXXX  days and failed to provide verified documents from disputes
Product: Payday loan, title loan, personal loan, or advance loan

Online my offer was higher, I continued and was told to call and the price then changed, so I asked if I could talk to some who knew of TILA and the lady said she didn't, so i wanted to be connected to some one who did, nd they say because they are not a bank they dnt have to follow cfpb regulations, and then said i was denied because of things not related to credit but they couldnt produce a time i called their institution for something other than credit or loans, and all i did was assert rights nd the " reginal ) manger said because i did they have they right to denie my right to equity, they didnt make it clear to me what the reason was, but i was discriminated agianst and the told me i was not the holder in do course, I suffered mental and financial damages because of this company misconduct
Product: Mortgage

We submitted a complaint to you in XX/XX/2020 regarding Rushmore Loan Management - # XXXX. They are now in violation of the CARES act which provides mortgage holders with USDA backed loans the right to request a 6-12 month forbearance in order to avoid foreclosure. We were granted a 6 month forbearance ( see the response to the complaint ) but the company states we still owe for XX/XX/2020 ( the request for the forbearance was made in XX/XX/2020 and the forbearance is immediate - refer to : www.rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19.  ) They are also saying that no matter what the USDA & the CARES Act says, we will owe all of the past payments in one lump sum at  the end of the 6 months forbearance. We need assistance in ensuring that this company is held accountable to what is mandated by federal law.