23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not aware of this third party company called Resurgent Capital Services. As this company does not appear on my credit report, I have never received anything in writing about a debt that I alleged owe Resurgent Capital Services. However, I contact LVNV Funding, LLC XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$420.00}. And on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the account # XXXX in the amount of {$740.00}. These letters were requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for proof that they had the right to collect the debt, including any agreement that grants LVNV Funding authority to collect on behalf of the original creditor. Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts bearing my signature. LVNV Funding has not responed. XX/XX/XXXX was my first letter from Resurgent Capital Services, LLC, a ( third party company ) stating they are acting on behalf of LVNV funding to collect on two allege debts. Yet, again, Resurgent Capital Services failed to provide me with a copy of any viable evidence, bearing my signature, showing both alleged accounts belong to me. Also, I asked for proof that they have right to collect the alleged debts. They sent account summary that was prepared by Resurgent Capital Services but never from an orginial creditor. This does not constitute validation from an orignial creditor. As per FTC letter from Attorney XXXX XXXX XXXX, Resurgent Capital Services should be aware that a printout of a bill or itemized document does not constitute verification. I have attached what Resurgent Capital Sent that is not verfication and justifiable.
Product: Credit card

I have been contacting Citi Bank ( Costco Visa Card ) for nearly 6 months to resolve this issue. 

While driving in my home state on XX/XX/year> ( XXXX ) I noticed some alerts come to my phone showing that purchases were made for XXXX XXXX  and XXXX XXXX XXXX in XXXX, CA ( I have never been there and know absolutely no one there ) for a total of {$1000.00}. I immediately called the fraud department and they cancelled my card ( I was driving in Illinois at the time of these charges and can prove it ) as they noticed the person was still making additional transactions with that Merchant. They did a temp credit and asked me to sign some documents stating that I was challenging the merchant for these charges and was told to send them to XXXX. I did so. Fast forward to the " Deadline '' date given to submit those documents and I was told my case was closed and they reversed all my credits. I immediately called in and was told I had never submitted the documents. That the email I had sent them too was incorrect. Well, it turns out their instructions were wrong ( I have copies ), so the agent forwarded the documents I sent to the correct department and essentially told me I probably would not get refunded. I fought back and sent another email stating I was formally disputing the closure of my cases. 

They had only given me back a total of about {$100.00} ( still owe me $ XXXX ), To make this worse the fraudsters used my name with a middle initial of XXXX XXXX '' and I do not even have a middle name so that is also legally not even me... This alone should have been a blaring red flag. 

They did not ask for any more information and I kept calling being told there was no update. THIS IS MONTHS. I have submitted a police report and filed with the FTC. This information was also provided to them. I finally got a hold of someone who said I should submit my ID and a photo of myself as the merchant sent pictures of the individuals who used my information. I did so immediately, but they initially never asked me for this even though they had the images from the Merchant all this time. 

The last rep I spoke to said I do not look like the individuals the merchant sent, but that the case is still under investigation. This is WILD and the case is still not resolved. These fraud charges happened in early XXXX and it is now end of XXXX. 

If you are submitting fraud information be sure you send it to XXXX they have the wrong instructions on their info sheets and this is how they get you. That in itself should have had them immediately reverse the charges and give me my money back. I feel as though I have been mislead and tricked to losing out my money due to Citi banks poor instructions and incredibly slow investigation processes. This is causing me financial hardship. 

These cases are still open and while I just called today, they still had zero updates. Citi has my signature, documents, ID, photo of me, etc. and everything is still pending. Not to mention their investigation team took 2 months and didn't even make a single note on my case till I called AGAIN.
Product: Debt collection

I am desperately looking for a rental property for my family because the owner sold our current residence and we have to be completely moved out by  XXXX   XXXX . Before I started sending application for rental properties I decided to print a copy of my Free Annual Credit Report on  XXXX   XXXX ,  XXXX . I was surprise to see that I have an account in "  Collection  Account. {$720.00} past due as of  XXXX   XXXX . '' I ca n't have this on my credit report! Every Renta l Property Management and Own  er  of a rental properties pulls that report. I called the company and talk to a couple of representatives. I was advice to make a police report and send them a copy. I did that but my family and I still have n't found a place to live. I was told that the account was opened thru the internet as a loan and the money was deposited directly to my account on  XXXX   XXXX ,  XXXX  with my old address that was foreclosed on  XXXX   XXXX ,  XXXX . I guess, I was not able to pick-up all my personal information. One more thing, I filed chapter  XXXX  that was discharged  XXXX   XXXX . How come this account did not show up when I filed for bankruptcy. The company said that they are going to look into it and that they will call me in a couple of weeks. I really need that account to be deleted. Can someone help me?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX and he conducted about 30 loans which all hit my credit file. XXXX ask me about the forgery by XXXX XXXX under complaint XXXX & XXXX ask me about having account information @ XXXXXXXX XXXX  and XXXX third bank neither have I done mortgage or credit card business with but XXXX XXXX XXXX XXXX XXXX on XXXX visa is an XXXX XXXX and stole my identity PLEASE CONDUCT AN INVESTIGATION PROPERTY XXXX XXXX XXXX XXXX XXXX MI XXXX LOAN # XXXX
Product: Credit reporting

bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy
Product: Debt collection

Credit Collection Services sent me a letter saying I owed XXXX XXXX for service from XX/XX/year> in the amount of XXXX. I verified that I paid the bill from my XXXX on XX/XX/year>. I looked for contact information on CCS ' letter and website and I only found a phone number and a mailing address. I decline to buy a stamp to send a letter for a bill that was already paid. So I called. The lady on the other end informed me that I was on a recorded line. I said that I was not okay with them recording the phone call, but that I had paid the bill at the time they sent me the bill and if she could provide me with an email address, I'd be happy to send a copy of the check from XX/XX/year>. 

She said she could not move forward if I did not agree to be recorded. Well, that certainly makes no sense but there must be some way of moving forward that does not involve me paying to prove that I paid the bill or having my privacy in any way compromised ( giving personal information over the phone to an entity I do not actually know beyond a letter ) Help for any assistance you provide.
Product: Credit reporting

I am trying to dispute this charge with XXXX. The account had my name on it, but I had no access to it. My mother used this account and I do n't feel it should be on my credit report because I never used the account.
Product: Mortgage

I recieved notices dated XX/XX/2021 and XX/XX/2021 XXXX the Denial Letters XXXX whereby lender denied my request to subordinate my second position loan ( the XXXX XXXX  XXXX ) to a new first position mortgage. I have also sent a letter dated XX/XX/2021 in response to XXXX XXXX  's initial denial letter. 

Within the Denial Letters, the reason given for denial is that it was based on a business decision. I am currently experiencing a financial hardship and request that that Select Portfolio Servicing and XXXX XXXX  reconsider my request to subordinate my loan to reduce my monthly interest in the refinance of my property which will reduce my monthly payment without changing the XXXX XXXX  loan whatsoever. On XX/XX/2021 I sent XXXX XXXX a recent notice by my employer regarding a reduction in my salary XXXX 20 % reduction ) due to the present economic environment. I am trying to amicably reduce my expenses and thus far, I have managed to keep current on my mortgage. To be clear, I am not claiming a COVID financial hardship, and I request that XXXX XXXX  do not report my account as a COVID financial hardship. Hence, SPS or XXXX XXXX  may not mark my account as a COVID hardship and doing so will cancel my ability to refinance my home. 

I have previously shown that the refinance of the property will save me more than the payment to SPS or XXXX XXXX. I have encouraged XXXX XXXX  to accept the subordination agreement to avoid unnecessary action on my part. 

I am concerned that I will not be able to make the payment, particularly if XXXX XXXX XXXX and XXXX XXXX  continue to refuse to subordinate the loan to a new first mortgage. 

Although XXXX XXXX  has asserted that the denial of the subordination of my XXXX XXXX loan is based on a business decision, it would seem to me that the best business decision would be the one that would mitigate risk to the mortgage owner. Not only would consenting to the subordination of my mortgage facilitate a lower interest rate and lower payment, the denial of the subordination would only serve to increase the risk of affordability, especially during the current climate of economic uncertainty due to the XXXX pandemic. 

I have advised XXXX XXXX  that time is of the essence in the refinance of my first mortgage as I do not want to lose the opportunity of closing at my current rate lock.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint regarding the debt collection practices of Transworld Systems Inc., which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I am requesting a thorough investigation and the removal of this collection account from my credit report. 
1. Failure to Provide Proper Validation of Debt : In XXXX, I engaged in dialogue with a female representative from Transworld Systems. I explicitly requested proof of the debt, including verification of the alleged amount and the terms of the so-called payment arrangements. Despite this request, I never received any documentation or written notice validating the debt, as required by law. Instead, I was pressured to make payment arrangements by the end of the month under the threat of having the account reported to the credit bureaus. 
2. Deceptive Communication : Transworld Systems misrepresented themselves during our interactions, making it seem as though they were affiliated with my previous apartment complex, XXXX XXXX, where the alleged debt originated. This lack of transparency caused confusion and further raises questions about their practices. 
3. Failure to Provide Written Notice : Although I provided updated mailing information during our conversation, I never received any written notice of the debt or its validation. The first indication of their action was the collection account appearing on my credit report, which I believe was done prematurely and without proper verification. 
4. Inaccurate Reporting : The amount reported by Transworld Systems is not consistent with the actual amount I owed to the original creditor ( XXXX  XXXX ). This discrepancy further casts doubt on the accuracy and legitimacy of their claim. 

Given these violations, I respectfully request the following actions : Immediate removal of this collections account from my credit report due to failure to validate the debt and improper reporting practices. 
An investigation into Transworld Systems compliance with the FDCPA and FCRA regulations. 
Written confirmation that this matter has been resolved and the account removed from all credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to your resolution. Please contact me if additional information is needed.
Product: Debt collection

I am filing a formal complaint against Valor Intelligence Processing for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers at times or places known to be inconvenient. 

On XX/XX/year>, I explicitly instructed representative XXXX of Valor Intelligence Processing via phone call to communicate with me only on Mondays between XXXX AM and XXXX XXXX XXXXXXXX. Despite this notice, XXXX, a representative of Valor Intelligence Processing, contacted me on Friday, XX/XX/year>, at XXXX PM regarding a debt collection matter. This call occurred outside the permitted window and disregarded my prior instructions. The unsolicited contact caused unnecessary stress and disruption to my daily obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Bridgecrest. The car was totaled in XX/XX/XXXX, they were made aware of this. on XX/XX/XXXX they received {$14000.00} from my insurance, on XX/XX/XXXX they received payment from my warranty balance {$520.00}, on XX/XX/XXXX they received the GAP paid by XXXX {$2300.00}. Bridgecrest reported late payments for XXXX, XXXX, and XX/XX/XXXX after they received all payments prior to these dates. I called them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about this issue. It took them until XX/XX/XXXX to get their accounting in order and update my account. If it is taking them that long to do their accounting I should have had to suffer with them violating my rights and destroying my credit. They even verified this inaccurate information to the credit bureaus the 3 times I have disputed this on XX/XX/XXXX, XX/XX/XXXX, XXXX. I recently needed to have emergency XXXX work, I applied for a loan and was denied due to their violations of my rights. I had to takeout money from my XXXX and pay a 10 % penalty also. I want them fined for reporting and verifying inaccurate information. And I would like some type of compensation for the money all of this has cost me, plus the fact that I have not been able to do what I need to do because my credit was destroyed by these 3 payments they continue to report. I have my account statement from Bridgecrest showing these payments and when they received them. Attached is the account statement sent to me by Bridgecrest showing all payments and when they were received. They received payments prior to XXXX, XXXX and XX/XX/XXXX and still reported late payments on my credit.
Product: Credit reporting or other personal consumer reports

I perversely reported this I did not make theses changes there are two accounts where both cards was used theses card again my identity was stolen. 

XXXX XXXX XXXX XXXX XXXX {$460.00} as of XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXXXXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection for an account that isnt mine. This account said it was open this year and from a consumer I dont even use. I have XXXX XXXX XXXX XXXX since XXXX and this collection is for a XXXX account opened in XXXX. 

I have took action to report to the company but nothing has been resolved yet and over the phone they even said I dont see an account in the system for me. 

Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00}
Product: Credit card or prepaid card

I have multiple cards with capital one either that I signed up for with them or a company that they acquired. XX/XX/2018 I called customer service because I was charged membership fees XX/XX/2018. The representative told me that for the one that was XXXX she could make a rewards card and the one that was XXXX she could make a rewards card because I was paying the fees but not getting anything. I call almost every year about these fees because thats what I was told to do they dont remove them but they look to see if anything can be done or if they can go away permanently. This rep. told me that the 2 cards I pay XXXX on already are their original cards one is a XXXX so its good but the other cards Im paying for can be upgraded to XXXX as well. I asked would the fees be lowered to the standard amount of XXXX and she said no. I asked if the rewards would be back dated to when CapOne acquired the accounts since Id called multiple times she said no. I asked if I could have the prior fees refunded and she said no. 
That makes absolutely no sense. I appreciate her offering me the upgrade but you cant charge me XXXX dollars for an XXXX from XXXX and XXXX for an XXXX from XXXX and expect me to be ok with that. 
I declined because I needed a better resolution. I wasnt transferred to a supervisor. I told her I felt that I was mislead by several representatives and that I was deceived and that the treatment was very unfair but she was not empathetic at all.
Product: Checking or savings account

An unauthorized amount of money was charged on my debit card on XX/XX/year>. I ordered from an XXXX ad claiming to be the company XXXX. When I received the order confirmation, it was from XXXX, not XXXX, and I proceeded to have conversations with their customer service. They ensured me the package was on the way.I got a text message that XXXX was attempting to redeliver a package and I needed to enter my card information for a XXXX cent charge. I entered the card information and was prompted to click " retry '' several times. I clicked retry 3 times. With those 4 clicks, I was charged {$100.00} each time for a total of {$430.00}. I never got the clothing items I ordered. I reported this immediately to Wells Fargo, and they have denied the claim saying they do not protect against scams, only fraud. I feel this is fraud as I was charged the wrong amount that I had authorized.
Product: Credit card or prepaid card

I received a text XX/XX/2022 stated that My credit card was approved. I never applied for a credit car since I already have one in the same company XXXX Bank of America ). I called them and asked them to removed it.
Product: Debt collection

Asked allied interstate llc for their address in regards to disputing and sending legal documentation and the lady is spoke with XXXX XXXX stated I didnt need any of that info and to pay my account and I told her I dont acknowledge this debt as mine and would like to dispute and asked for a supervisor and also their address she laughed at me and hung up.
Product: Credit reporting or other personal consumer reports

On XXXX I mailed Equifax a copy of a dispute which specifically requested a copy of any written instructions from ( XXXX XXXX ) authorizing Equifax to share my personal information. Equifax has not provided these instructions upon request therefore now is in violation 15 USC 1681ba2. Equifax has not responded with a copy of my consumer report or any correspondence in relation to my dispute they received which now violates 15 USC 1681i5a ( ii ) therefore the agency must promptly delete the disputed account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This account is paid in full from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian XXXX  XXXX  will not give my credit report
Product: Credit reporting or other personal consumer reports

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint against TransUnion for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that TransUnion immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to TransUnion, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 
Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX