23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMSHER COLLECTION SERVICES has been inaccurately reporting an account since XX/XX/XXXX which they claim I owe {$110.00}. My rst attempt to resolve this matter was received via certied mail USPS ( XXXX ) on XX/XX/XXXX.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX simply stating, the letter is to inform me that they received my notice of dispute regarding collection and they will provide me with any documentation they receive of my request. Also included in their response was a company telephone number and options to pay, however, they failed to validate the debt.

The term breach of security means, with respect to unsecured PHR identiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of AMSHER COLLECTIONS SERVICES.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX, with an printout of an itemized deduction verifying the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Medical related documents was also included in the documents sent. AMSHER COLLECTION SERVICES should be advised the under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Georgias Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. AMSHER COLLECTION SERVICES failed to respond.

Laws that I can potentially le suit for : 1 ) HIPAA ( Health Insurance Portability and Accountability Act of 1996 Metro 2 Compliance 2 ) US Court of Appeals - Ninth Circuit, No. 00-15946, XXXX XXXX XXXX XXXX 3 ) FCRA Section 4 ) 623 FCRA Section 605 ( c ) 5 ) FDCPA Section 809 ( b ) FTC opinion letter Cass From XXXX.

As FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX  ( account number : XXXX ) XXXX XXXX XXXX XXXX ( account number : XXXX ) XXXX  XXXX XXXX  ( account number : XXXX ) XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Innovis and XXXX XXXX, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Innovis and XXXX XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Innovis and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Debt collection

I received a call in XX/XX/XXXX about a payday loan debt and threatened to take me to court. I received another phone call from XXXX. This guy called me XXXX and left insulting voice mail on my phone
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 

XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

- Was provided a 6 month no interest rate on my down payment WITHOUT signing up for a Credit Card ; We explicitly stated we did not want a credit card. When they told us they need to run credit, we were told the application was NOT related to a credit card, but simply to approve us for the offer. I later found Wyndham opened a credit card on my account without my knowledge and after explicitly stating we did not want a credit card only because it was added to my credit report - We were told XXXX points would provide XXXX nights of vacations per year as each night cost ONLY XXXX pts at ALL resorts and this price would never change for the history of my account ; i was told it was locked in and would never change, which is not true - My deed would appreciate on the resale market if I ever want to sell and that I could make a profit similar to other real estate ; I've sought out resale and my pts are worth $ XXXX XXXX- I can rent or sell my pts/days to recoup costs at my will - I would receive unlimited last call weeks for a cost of {$390.00} AND NO ADDITIONAL COSTS ; many of the resorts included in the extra weeks/last call vacations are MORE expensive than buying them directly from the resort/hotel - I would receive GUARANTEED free upgrades on every room I booked for being VIP None of these items are actually true and these were what was sold to me at the presentation in order to get me to sign a contract. We attempted to leave multiple times and were continuously pressured to talk to another representative because we would " never get this good of a deal again. '' At the same time, I was pressured to sign the contract that day despite having a screaming toddler during the legal portion of the meeting. You can review the tape to confirm. I could not hear or understand ANYTHING the lawyer was saying, but felt like I could not leave the signing room. The cancellation policy was also not made clear to me. I felt trapped by this decision with no out within the first 7 days.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions was authorized I was charged fees due to lagged postings of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Violation of Consumer Rights Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally notify you that the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Specifically, these accounts have failed to comply with the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy and integrity of the information reported. 

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  Upon reviewing my Experian credit report on XX/XX/year>, I discovered multiple inaccuracies and incomplete information. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide in consumer reports. These standards were not met in my case.

Moreover, per 15 U.S.C. 1681i ( a ) ( 5 ), when inaccurate or unverifiable information is disputed by a consumer and is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) promptly delete or modify the disputed information based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information that it has been modified or deleted from the consumer 's file. 

Additionally, under 15 U.S.C. 1681s-2, furnishers are prohibited from supplying any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that immediate action be taken to correct the violations and ensure compliance with the FCRA. Please confirm the steps that will be taken to address this issue and provide me with an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/year> I saw a collection placed on my credit report from Jefferson Capital Credit systems. Having never received notice of a debt owed this was shocking. I called Jefferson capital credit systems to gain knowledge of account and resolve if it were mine. I was told I must provide a payment method and be charged {$1.00} in order to gain information about the account and also provide a code they would text me. This is very disturbing business practices. Extremely concerning to provide my bank card information but my financial future is important and I need this account information so I know how to move forward. Once payment method was provided and the {$1.00} charged I was told the account is due to XXXX. A company I have never had any type of business with. This account is a result of identity theft. When I requested the contract validating the debts placement I was hung up on. Please, I need this account information so I can file a police report as a victim of identity theft. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Fin obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or incomplete. 

The account in question is ] [ XXXX XXXX Charge off / written off XXXX ] which is listed as a closed account on my credit report as of XX/XX/year>. XXXX XXXX Account Status CLOSED_CHARGE_OFF Balance Owed {$3400.00} request that you investigate this matter and remove this account from my credit report. 

Under the FCRA, 609 ( a ) ( 1 ), I am entitled to request the disclosure of the information in my file at the time of my request. I have reviewed my credit report and found that this account is inaccurately reported. Specifically, [ provide a brief explanation of why the account is inaccurate, e.g., " the account was paid in full and closed by me, but it is being reported as a derogatory account. '' ] In addition, according to 623 ( a ) of the FCRA, furnishers of information are required to provide accurate information. The reporting of this account is not consistent with my records and is damaging to my creditworthiness. 

I have attached copies of relevant documents, including [ dismissed for want of prosecution ] on XX/XX/year> by judge XXXX, XXXX XXXX, XXXX. Please conduct a thorough investigation into this matter and correct my credit report accordingly. 

I would appreciate your prompt attention to this issue and look forward to your response within the timeframe established by the FCRA. 

Thank you for your assistance
Product: Credit reporting

XXXX payment was not late in XXXX 2013 as per the payment history i received from the company, XXXX. equifax failed to report properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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
Product: Debt collection

I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau as a debt collector acquired my personal information on a medical debt that was sufficiently paid by my XXXX health insurance plan several years ago. The service date shows XXXX XXXX, XXXX, and suddenly I 'm sent a collection notice nearly five ( 5 ) years later. I demand an attachment on ownership or transfer on rights to attempt to collect a debt. Secondly, I demand a copy of the original thirty day ( 30 ) notice from the original creditor, and last I demand a copy of a 180-day notice that there will be no attempt to damage my personal credit report as mandated by the FTC-CFPB with all pertinent credit bureaus in fiscal year XXXX. A copy of said mandate is attached. This collection is highly illegal. Central Credit Services is neither licensed or bonded to attempt collections in the state of New Jersey. They acquired my information on a five-year-old debt that has already been satisfied through insurance. This company must close this file, cease and desist any further collection attempts from me, and purge my name from their computer base.
Product: Debt collection

TENGALIA & HUNT used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution.

They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account.

The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. 

If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from TENGALIA & HUNT stating otherwise.

I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to XXXX, EXPERIAN and XXXX requesting verification of the undermentioned debt ( s ). 

It has become increasingly clear that XXXX, EXPERIAN and XXXX are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. 

XXXX, EXPERIAN and XXXX were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). 

XXXX, EXPERIAN and XXXX were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. 

At this point, You, XXXX, EXPERIAN and XXXX, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. 

I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, XXXX, EXPERIAN and XXXX failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. 

Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since XXXX, EXPERIAN and XXXX were unable to provide me with a copy of verifiable proof within the allotted threshold, XXXX, EXPERIAN and XXXX must remove the accounts listed below. 

I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ADD-ON TO REPORT # XXXX - vehicle loan/lease - AMERICAN HONDA FINANCE CORPORATION. All reports regarding the above & XXXX XXXX XXXX, XXXX should be consolidated. 

Date of Incident : XX/XX/XXXX Details : To the reader Greetings : On XX/XX/XXXX XXXX XXXX XXXXfinance manager along with XXXX XXXX XXXX Dealer at XXXX XXXX XXXX, XXXX have committed fraud against this natural person and consumer along with AMERICAN HONDA FINANCE CORPORATION First in the form of a consumer credit transaction where fraud, material misrepresentations are present along with failure to disclose key information. The next offense occurred via improper use of consumer reports and using the mails to commit to fraud who obtained my information without my authorization and profited from without compensating me & used mails to fraud me into payment after I directly asked for clarification against the United States Constitution and my God-given unalienable rights. 

On XX/XX/XXXX, ( The next day ) I return to the dealer and explained my wish to rescind the contract, He explained that I could not just leave the property. The previous day XXXX XXXX finance manager did have a firearm on his person in which he demonstrated to me, so I was hesitant. 

On XX/XX/XXXX, after communicating with XXXX XXXX on the phone where he hung up on me, following the illegal repossession of my registered property VIN # XXXX which generated a Police Report at XXXX Police Department # XXXX and Complaint, for nuisance and disturbance. 

On XX/XX/XXXX, I did mail Letter of XXXX and XXXX XXXX for the Transaction that occurred from fraud on XX/XX/XXXX via certified mail return receipt requested. I have not heard back from the dealer.