23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AMERICOLLECT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I'm trying to apply for a business loan and cant connect my bank account to the website.
Product: Debt collection

My wife and I were sent to collections by our former apartment complex, XXXX XXXX XXXX XXXXXXXX XXXX. Upon communication with the leasing office, they informed us that they would not work with us on a month-to-month basis for the lease. If we were to break the lease, we were required by the lease agreement to provide two months of rent plus one month as a penalty in a lump sum all at once, around {$3000.00}. Office management refused to work out a payment plan with us. Management stated we needed to turn in a written letter of intention to vacate the premises including the full amount of money, or else the request would not be considered accepted. We provided them the letter of intention to vacate on XX/XX/XXXX as well as a follow-up on XX/XX/XXXX. The apartment was vacated as of XX/XX/XXXX as outlined, clean and empty. Instead of upfront payment due to financial hardship, we paid rent in full for the final two months on time. They also kept our entire security deposit, which they first refused to use it to cover the penalty, and then turned around and said they were not supposed to do it but agreed to take it to cover the penalty fee. Before turning in keys, I spoke to an office employee who told me not to worry and in their words not to let this place hold us back. On XX/XX/XXXX we received a debt collection notice from Phoenix Recovery Group for {$2400.00} on behalf of XXXX XXXX XXXX. A majority of the money claimed owed in collections had already been paid over the course of those two months plus the security deposit. XXXX XXXX sent us to collections for the entire remainder of the lease which is unfair and unreasonable. The signed lease agreement states upon early termination, that the tenants are only responsible for two months plus one month as a penalty, not the entire remainder of the lease. Phoenix Recovery Group was requested to validate the debt on XX/XX/XXXX and instructed if reported to any credit bureaus, to remark the debt as disputed. Phoenix Recovery Group reported the collection to XXXX in XXXX of XXXX as disputed. It was further reported to XXXX and XXXX in XX/XX/XXXX but was not remarked as disputed. Likewise, Phoenix Recovery Group was instructed by letter to no longer attempt to call or attempt to collect this debt on us via certified mail on XX/XX/XXXX. This agency has continued to attempt to call to collect on XX/XX/XXXX and XX/XX/XXXX. Another letter was sent on XX/XX/XXXX advising that verification of debt requested had not ben received at our new address within the 30 day period, and they still reported the collection. Phoenix Recovery Group has been violation of the Fair Credit Reporting Act numerous times, and XXXX 's run is falsely claiming we owe more than reasonable or fair.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I had two late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/20 ) and ( XX/XX/20 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the company responded to complaint XXXX, stating that an account on my credit report would be removed. However, as of XX/XX/year>, the account is still reporting, as shown in my attached credit report. I previously provided proof for its removal, which the company agreed to. 

Has this information been communicated to the credit reporting agencies ( CRAs )? If so, please send confirmation so I can address the CRAs ' mishandling. Account XXXX was disputed for FCRA and FDCPA violations and should be removed by the next report update. Failure to do so will result in legal action, as previously stated.
Product: Debt collection

This company is trying to collect a debt that is not owed and it is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverifiedinformation listed on my credit report. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. I am trying to get an apartment and I am having trouble because of these items on my report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX COLLECTIONS # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Prepaid card

I have called this customer service line at least 10 times. I have been trying to use this ( {$50.00} USD ) gift card for a year, and it will not work. It is declined every time. 
I have called multiple numbers, been told the card would start working if I waited 24 hours, now the menus have changed and I can't even get an agent, it just hangs up on me. I asked to have them send me a check and they refused. This company is an outright scam ( amexgiftcard.com ) and they are basically stealing money by making the cards impossible to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX account number : XXXX, has violated my rights. The original creditor is reporting as XXXX XXXX, which Ive never had knowledge of. 

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 also states A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXXXXXX sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After XXXX not helping, I gave up and accepted I would not be able to do anything but wait the " up to XXXX years '' that the letter had stated. Recently I called XXXX XXXX XXXXXXXX to inform myself on how much longer and they said until " XXXX '' with is 3 years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with XXXX XXXX XXXXXXXX and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, XXXX XXXX  XXXX violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, XXXX XXXX XXXXXXXX has also violated this right of mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


Accounts XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXXXXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$8200.00} XXXX XXXX XXXX XXXX  This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$400.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER : XXXX Act. # XXXX Date XXXX Balance {$3000.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$570.00} Date XXXX XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has reported on XXXX ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded bank of America to remove this or show proof through XXXX XXXX but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected Bank of America of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. BofA is acting like a XXXX loan shark and borders on the side of illegal.
Product: Debt collection

This is XXXX XXXX XXXX. I cancelled in XX/XX/year> and my account that paid my bill was closed by XXXX XXXX on XXXX XXXX, XXXX. Then in XXXX they continued sending me statements of amounts owed when I did not have any service at that time. Then began weekly everyday harassment by XXXX  XXXX at XXXX every morning. Then the letters with varied amounts owed proved by showing how they had fraudulently attemped to take monies out of my account but because my account was closed in XX/XX/year> they were met with not luck. I had attempted for XXXX days on XX/XX/year> attempting to clear this up but to no avail. They stated they sent me a e-mail which I did not receive because the address had to be done in lower case or it would come to me, of which in stating that they sent that to me shows they knew I had cancelled my services on XX/XX/year>. I spent XXXX hours a day for XXXX days and all I could gain from the team they provided that did not speak very good XXXX that they were after something I do not know if it was identity theft in that they acted fraudluently by attempting to gain monies from my account. This harrassment has been for XXXX to XXXX years. Now they have turned it to collections and I feel I have enough proof to get a court judgement against them. So please let me know what can be done.
Product: Credit reporting

XXXX was never on my past credit reports ( XXXX/XXXX/XXXX # # # # XXXX, XXXX/XXXX/XXXX # # # # ; or XXXX/XXXX/XXXX # # # # XXXX, until after my bankruptcy in XXXX, and approximately a year later XXXX report it being included in my bankruptcy already confirmed by a judge, I never signed any documents for any recent open account noted XXXX/XXXX/XXXX credit bureau in XXXX. Approximately 8 years ago, I order a small item and returned it to them. No account was opened. In XXXX it is now noted and was reported on my credit as included in my bankruptcy which brought my credit score down XXXX points. I contacted XXXX and they noted they did not include me in any bankruptcy but it is still reporting on my credit report. My attorney did not submit, there was no reason. Also, the law requires that a bankruptcy be filed every XXXX to 10 years and Transunion credit bureaur are reporting it more than once which are duplicates of just XXXX in XXXX
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing XXXX XXXX XXXX to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

the collection agency is reporting to the 3 major credit bureaus inaccurate information and has been since XX/XX/XXXX until current. i have contacted the credit bureaus and collection agency and the refuse to investigate and verify this account. the contract does not bear my signature, and contains the following inaccuracies : monthly payment, date opened on contract was XX/XX/XXXX, account is closed with a past due balance of XXXX. the date last reported was XX/XX/XXXX but reporting a different date with the bureaus.
Product: Debt collection

Around the beginning of XXXX, XXXX, we contacted XXXX to issue a complaint about our poor cell phone service. We were told that a cell tower was degraded and under repair. We were assured that our service should be back to normal by XX/XX/2022. 

The service was not restored and we changed our service to XXXX on XX/XX/2022. Shortly after, I attempted to open my XXXX account on-line to determine my final balance and make the payment. I could not access my account and I called XXXX. I was told that I needed to make a special trip to a XXXX store, present 2 forms of ID so they could look it up! I indicated that I didn't think it was my responsibility to go out of my way to look up my own account. 

My credit card was charged in the amount of {$110.00}. I contacted my credit card issuer, disputed the charge and was given a temporary credit. I then received correspondence from XXXX indicating that I now owed {$140.00}. 

I then wrote letters to XXXX disputing the charge. Each letter went unanswered. Today I received a final letter indicating that my account was being transferred to a collection agency.
Product: Student loan

I received notification on XXXX that my borrower defense case ( # XXXX ) was approved to have the loans from XXXX ( obtained while at XXXX ) discharged . As of today, XX/XX/year>, these loans are still showing on my account and are still showing delinquent. Attempts to contact XXXX and come up with a solution have been unsuccessful.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not Comply with resolution requirements '' under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am filing a formal complaint regarding an inaccurate account reported on my credit file by Consumer Adjustment Company Inc. I have never had a contractual agreement with this company. It appears that the original creditor, XXXX XXXX  XXXX XXXX, transferred or sold my account without providing proper notification. 

This failure to notify me constitutes a violation of Fair Credit Reporting Act ( FCRA ) Section 611, which ensures the accuracy and fairness of information reported on consumer credit files.
Product: Credit reporting or other personal consumer reports

To Whom It Mav Concern. 
I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party. 
As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR. 
In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX Ga XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Product: Debt collection

Received a letter, Dated : XX/XX/2019 from Benuck & Rainey , inc., Falsely claiming that, I owe {$400.00} to XXXX , XXXX, This debt is not mine.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX   credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XX/XX/XXXX ) 2. XXXX XXXX XXXX   reported the account as being opened in XX/XX/XXXX, which is also false. The mentioned account was closed and discharged in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the XXXX  record in my report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ref No.