23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After several attempts to dispute the debt via XXXX, XXXX, and XXXX sending the letter I sent to " Resurgent '' Current Owner LVNV Funding LLC and the Original Creditor XXXX. Reference ID : XXXX I received a letter stating that the debt was " valid '' I had not received any of the requested documents, just a letter saying " It's a valid debt ''. 
On XX/XX/2023 I received a letter from Resurgent stating that they needed a copy of the police report attached which was sent to they and the three bureaus. Additionally, I sent over copies of my bills, I sent copies of the police report and yet they have refused to acknowledge or delete this erroneous debt. 
I have been requesting documents since XXXX XXXX 15 U.S. Code 1692g - Validation of debts protects my rights as a consumer and requires they provide substantive proof that this is my debt. There has been willful negligence of their duty as outlined in section 5 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
If necessary, I am willing and ready for all FCRA violations will be heard in federal court. As a former attorney, I am well aware of my rights and the requirements of the bureau to accurately report. We are over 200 days since I've been given substantive proof this debt belongs to me ( which it does not ) which is well past the 30 day mark
Product: Debt collection

Today I received a debt collector letter from the Northland Group stated I owed to XXXX the amount of {$900.00}, I believe this type of action is fraudulent on nature between XXXX and its Debt Collector Northland Group. 
I disputed the same amount {$900.00} with XXXX several years ago also I did disputed las XXXX 2016 with another XXXX 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask XXXX and Its Debt Collector NORHLAND GROUP to cease any collection on the amount they said I owe them. 
There is the second time XXXX is attempting to collect something I disputed on the past, I do n't know if At this time XXXX and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.
Product: Credit card or prepaid card

I was appointed guardian of my father 's property in XX/XX/2019. 

Earlier this year, my father was manipulated by individuals he met on the internet to open credit card accounts with American Express. When I discovered this, I sent letters to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of this year, providing a copy of this court order appointing me guardian of his property, and providing a copy of the court order determining XXXX XXXX limited incapacity. 

Under the terms of these court orders, XXXX XXXX is not capable of exercising the following rights : XXXX. To enter into contracts 2. To manage property or to make any gift or disposition of property 3. To sue and defend lawsuits The letters also confirm that, as my father 's guardian, I did not authorize the opening of these credit cards and did not authorize any of the charges on these credit cards.

I have asked that American Express send a written response within seven ( 7 ) business days that includes : 1. A list of all accounts opened in XXXX XXXX name, the charges on each account and the dates of each charge on each account. 

2. Confirmation that the outstanding balances on all accounts have been cancelled 3. Confirmation that all accounts have been closed 4. Confirmation that the company has not made any negative reports regarding my father and these accounts to any credit agencies.

5. A list of all usernames and email addresses that have ever been associated with online access to any of the accounts Because I am the guardian of my fathers property, I've also requested that American Express stop sending business correspondence regarding these accounts to XXXX XXXX and send all such future correspondence directly to me. 

Most recently American Express has sent a letter dated XX/XX/XXXX to my father notifying him that a balance on an account has been referred to XXXX XXXX for collection. The total outstanding balance listed is {$8000.00}.
Product: Student loan

I requested my student loan payments made during the XXXX payment pause to be refunded on XX/XX/XXXX. I was told by the MOHELA agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XX/XX/XXXX. -- My loan was transferred from XXXX to MOHELA during the payment pause. I paid {$4200.00} to XXXX ( XX/XX/XXXX- XXXX XXXX XXXX  monthly payments of {$200.00} each ) and {$1600.00} to MOHELA ( XXXX - XX/XX/XXXXXXXX XXXX monthly payments of {$200.00} each ). The balance I paid directly to MOHELA was restored on XX/XX/XXXX and direct-deposited back into my account. However, the balance I had paid to XXXX and which was transferred to MOHELA remains pending after 105 days. -- When I have called MOHELA to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, MOHELA are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and anxiety. This is unacceptable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, you made a payment of {$420.00}. You paid with a VISA with last XXXX digits XXXX and expiration date XX/XX/XXXX. As of XX/XX/XXXX Affirm is still reporting that I havent paid and reporting the paid balance. I have continuously been submitting disputes with documentation of the balance being paid but Affirm keeps verifying that the information is accurate, despite my provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax VALIDATE THE INFORMATION REQUESTED Acct # XXXX you state verified that is a violation under the FCRA but validate this account, who you spoke to their name, Employ ID # contact information what was said in Detail both parties, any associates you may have talked to a copy of original contract with my signature, payment history date last payment, balance Equifax your name who did the investigation this account Employee ID # your contact information also you are reporting past due a violation
Product: Checking or savings account

On XX/XX/XXXX XXXX credit services charged against my debit card in the amount of {$19.00}. The bank reversed the charge via investigation and blocked XXXX. On XX/XX/XXXX XXXX again charged my debit card {$19.00}. This time the bank blocked my debit card and forced me to go inside the bank to withdraw from the account. 

This causes a financial hardship in so much as that since my account was opened with this bank, my identification card expired, and I am caught up in red tape with the identification bureaus as I wait for identifying documents to obtain a CA ID Card, a USA passport, or another Military ID card. This wait has been since my identification card expired on XX/XX/XXXX. 

Meanwhile, my debit card is blocked, my direct deposit from my job will continue to deposit into my account, and I am not able to withdraw because the customer service department blocked my card due to the fraud of XXXX  and the subsequent charge at my debit card since the unauthorized purchase in XX/XX/XXXX.
Product: Debt collection

AroundXX/XX/ I received a bill from XXXX. The amount showed {$940.00} was owed to XXXX XXXX XXXX XXXX in XXXX MO. I worked out a settlement with them and paid XXXX on XX/XX/XXXX in the amount of {$750.00}. This was the amount we settled for. Around XXXX XXXX I then received a bill from ARstrat for {$940.00} from XXXX XXXX XXXX XXXX in XXXX MO. I called XXXX to confirm this debt was paid in full and taken care of, which they said it was. I called them at XXXX. I then called ARstrat to tell them they are double billing me and do not appreciate XXXX selling by debt to multiple debt collectors. ARstart told me tot fax them over proof the bill was paid. I wrote them a Letter on XX/XX/XXXX letting ARstrat know this debt was already paid, I attached my receipts, etc. I did this communication through fax at XXXX. Then today XX/XX/XXXX I receive a letter from ARstrat telling me {$180.00} is owed. That would mean my original balance of {$940.00} was NOT actually settled for {$750.00}. It is my knowledge that you can not tell a consumer that they can settle for a less amount and then come back with another collection agency to receive the written off amount. I then contact ARstrat today XX/XX/XXXX through the phone at XXXX. The man told me the notes on my account do say this was settled and he is having his supervisor look over this. I do not believe he will give this to the supervisor nor do I believe the supervisor would take the steps to look into this dispute and correct it. Considering the last person I talked to said all I needed to do was send them proof it was paid. It is impossible to get XXXX to contact ARstart to let them know I paid this for a settled amount and no further debt is owed. Its scary and upsetting to know my medical bills ( not cheap ) are getting sent out to multiple collection agencies. Its nearly impossible for you to get a pay off letter from these companies, and communication is horrible. Im now wondering how many times this has happened to me in the past. If you also look and notice the account number is the same on both collection bills. XXXX is on both XXXX and ARstrat. I have attached all documents in order. I would like to add I have tried contacting XXXX billing department for MONTHS, and have not once been able to get ahold of them since XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to  XXXX    XXXX   which was signed for on  XXXX / XXXX /   17  due to having the wrong amount owed. I received a letter back from them dated  XXXX / XXXX / 17  in which the correct information was showing but was not what was reported to the credit bureaus by them. I Sent them a new letter which they signed for on  XXXX / XXXX / 17  asking them to remove this item from my credit report due to FCRA section  623 ( a ) ( 3 ) and FDCP 807 ( 8 ). In which they never marked this item as disputed within the 30day  period. They proceeded to send me a letter dated  XXXX / XXXX / 17  stating they would mark it dispute. However, this is not Within the parameters of these laws.
Product: Vehicle loan or lease

On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month. <P/>If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end. <P/>I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.
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. 
XXXX XXXX - XXXX, possible - XXXX dept of education- XXXX ( XXXX ), has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I 'm unable to open either a business and or personal account with Chase Bank and I 'm completely confused as to why. 

I 've had no record of abuse with Chase Bank and I 'm being treated unfairly and would love to be a Chase Bank Customer.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Resurgent Capital Services L.P . 
You had an account from XXXX with account number ending in XXXX. 


Reference : XXXX As of XX/XX/2020, you owed : XXXX Between XX/XX/2020 and today : You were charged this amount in interests XXXX You were charged this amount in fees : XXXX You paid or were credited this amount toward the debt : XXXX Total amount of the debt now : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme distress regarding the recent revelation of a data breach at Equifax. It appears that my information was contained in the breach when I reviewed their website. Here are several of my concerns. 

The breach was from XXXX to XXXX of XXXX. Nearly 3 months the problem existed. 
They discovered the breach in XXXX. 
They did not disclose the breach until XXXX XXXX, XXXX. 
They did not contact me directly about my information being compromised. 
When I checked the database as a " potential victim '' I was informed that I was indeed included in the data breach. 
When I tried to enroll in the credit monitoring service ( provided by none other than Equifax - conflict of interest in every way ) I was instructed to return to the website 4 days later to sign up. Additionally, I was also informed that I would n't be reminded to return to sign up. This is an undue burden on a consumer that has been victimized by this company. 
Credit monitoring should be provided free of charge by a monitoring service of our choice instead of prolonging " victim-hood '' with Equifax. 

Information discovered after this initial debacle was even more troubling. 

Contained in the terms and conditions for checking to see if I had been a victim I discovered that I was bared from joining a class action lawsuit against Equifax. 
Days after the breach was discovered there were Equifax employees that sold their Equifax stock. 

In my opinion this is egregious dereliction of even simple security of personal financial information. I do n't have a choice to exclude creditors from sending my information to Equifax and therefore I was an unwilling victim of this crime. This requirement has been in effect since Gramm Leach-Bliley 1999 - XXXX. I believe that Equifax is significantly engaged in providing a financial service as a credit bureau. And as GLB is a 17 year old statute they have had plenty of time to ensure proper security practices were in place. Furthermore, the FFIEC 's Cyber Assessment Tool that was released in XXXX has provide ample guidance on securing personal financial information on the internet. 

With the revelation of this horrific occurrence the CFPB should consider the dismantling of this business. They should be subject to the most punitive of all sanctions that are within the CFPB 's authority. This has struck an irreparable rift of distrust in the financial services industry. If we can not trust the companies that are in charge of our data ( without our control ) then we have wider distrust of the entire system.
Product: Mortgage

Shellpoint is the servicer of my mortgage. Per the terms of my mortgage, the property taxes are escrowed for payment by Shellpoint. Today I went to my County website and saw that my tax bill that was due on XX/XX/XXXX has not been paid. To compound my frustration, I am accruing late fees as a result of the non-payment from Shellpoint. This is particularly frustrating because I am in the process of refinancing this week, and I have been told by the new lender that I must bring a check for the past due taxes to closing, and I do not have the funds available in my personal account to do so. Their customer service agents have been no help, and will only say that they will " look in to it '' with no indication on how long it will take to resolve. Due to Shellpoints error, I will now miss the refinance rate that I was quoted and will not be able to refinance this week, that would have allowed me to take advantage of an improved rate.
Product: Debt collection

I received a letter of medical debt Reference : XXXX from Fox Collection dated XX/XX/year> in the amount of {$730.00} owed by a XXXX XXXX. I sent a debt validation letter which requested the original creditor 's information, among other items and the following ( copy of letter has been uploaded ) : Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

None of the information requested was provided except for the original creditor 's information. I am very concerned as they are not licensed to collect in my state of Florida, neither licensed in the state the XXXX XXXX XXXX based out of and the original creditor was unable to provide answers to questions as they stated the account was sold to a debt collector. 
In Fox 's response letter, they referred to the original creditor as their " client '' which misleads me to believe they are only collecting for the original creditor when in actuality they purchased the debt and this is diametrically opposed to the FDCPA under misleading representation. I believe this information should looked into as it is very deceptive in manner of expression.