23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Final Notice Regarding Account Dispute and Reporting Practices To Whom It May Concern, This letter serves as a formal notice regarding the account referenced above. I acknowledge your recent response confirming the removal of this matter from all credit reporting bureaus, as stated in your reply to Complaint ID XXXX. You also indicated that the debt would remain in a properly disputed status, per the Fair Debt Collection Practices Act ( FDCPA ). 

I am writing to make it explicitly clear that any attempt by Ability Recovery Services , LLC ( ARS ) to re-report this debt or related account to any XXXXdit reporting bureau, either now or in the future, will result in immediate legal action.

Basis for Legal Action 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Re-reporting this disputed debt, without proper investigation and validation, constitutes a violation of FCRA regulations under 15 U.S.C. 1681.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If ARS continues to misrepresent the status of this debt or attempts to re-report it, I will pursue remedies under FDCPA ( 15 U.S.C. 1692 ).

3. Violations of HIPAA Laws ( Medical Accounts ) : If this debt involves medical services, I will also pursue action under HIPAA Privacy Laws for any improper handling or sharing of sensitive health information without my consent. 

Consequences of Non-Compliance Should ARS fail to adhere to your own commitment to remove this debt from all credit bureaus or attempt to re-report this matter in any way, I will have no choice but to : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney general.

Initiate a civil lawsuit against ARS for damages caused by your violations of federal and state laws.

Next Steps No further reporting of this debt should occur under any circumstances. I also request written confirmation that ARS will comply with all applicable laws and refrain from any additional reporting. Failure to respond to this letter or any further violations will result in immediate legal escalation without further notice. 

Thank you for your attention to this matter. I look forward to your compliance.
Product: Credit reporting or other personal consumer reports

XXXX credit cards services over the last XXXX months. I been having a in accurate report on the credit they issued. Its reporting a late payment that didnt happen and I ask for it to be removed its shows on other reports never no lates but they seem to have a issue removing it the account still revolving same issue wit XXXX XXXXXXXX but it show no lates as well except XXXX place its inaccurate. This date on XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX for XXXX XXXX Self financial XX/XX/XXXX And show paid as agreed but lates also
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 CAINE & WEINER HAS PLACED A NEW COLLECTION ON MY CREDIT REPORT AND I'M CURRENTLY MAKING PAYEMNTS TO THE ORIGINAL AGENCY AND BY LAW THIS IS VIOLATION OF MY RIGHTS AND 2 COLLECTIONS CAN NOT BE HONORED CAINE & WEINER SHOULD NOT HAVE MY INFORMATION TO REPORT FALSE DEBTS AND DAMAGE MY CREDIT AS THIS IS DEFAMATION OF CHARACTER AND I HAVE PROOF OF CURRENT PAYMENT, I HAVE REQUESTED INFORMATION AND HAVE NOT RECEIEVED ANYTHING BACK.
Product: Credit card or prepaid card

On XX/XX/2019, I received an unsolicited prepaid mastercard ( debit ) issued by NETSPEND. I am concerned that I received this card in the first place. I did call the opt out # on the card and told them that I did not want ( nor requested this card ). When I asked how my name got into their data base I was told that " probably someplace you shopped ... gave your phone # to '' was the originator. My concern is that it is dangerous for unsuspecting consumers to receive such cards without their permission
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Student loan

These loans were taken out in XXXX. The school that they were awarded to was XXXX XXXXXXXX XXXX The degree received is not accredited and can not be used to get an advanced degree. 

There are 3 loans : Loan 1 was disbursed for {$29000.00} in XXXX. We have paid {$34000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$25000.00}. We are currently paying {$240.00} towards the loan with {$22.00} towards principal and {$220.00} towards interest. 

Loan 2 was disbursed for {$28000.00} in XXXX. We have paid {$31000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$24000.00}. We are currently paying {$230.00} towards the loan with {$20.00} towards principal and {$210.00} towards interest. 

Loan 3 was disbursed for {$11000.00} in XXXX  We have paid {$8600.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$7100.00}. We are currently paying {$51.00} towards the loan {$13.00} towards the principal and {$38.00} toward interest. 

We still have over 200 payments to make on all 3 loans. That would total over {$110000.00} in interest payments over the next 17 years. This predatory lending and variable interest are stifling our ability to survive. We have no recourse in this matter because it's all " legal '' but I think it's absurd to pay double what was borrowed in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX XXXX XXXX account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by XXXX ( XXXX ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXPORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I noticed several questionable items on my Transunion credit report and was uncertain of several of the accounts validity. I promptly filed an initial fraud alert with the 3 major credit bureaus and sent my first notarized and certified dispute letter via mail to Transunion dated XX/XX/XXXX including 2 forms of identification. Included in the letter was my request for physical proof/verification for the accounts listed per section 609 of FCRA. I specified in this initial request I would not accept a generic response such as " account verified '' as a reasonable response. I received a " dispute outcome letter '' dated XX/XX/XXXX which included my dispute results and advised which accounts were deleted, which accounts were updated, and which accounts were verified. I did not receive any documents that I requested from Transunion regarding the verified and updated accounts leaving me to believe the company blatantly disregarded my request or used a 3rd party system to verify instead of contacting the original creditors. I contacted Transunion at XXXX  cst XX/XX/XXXX via telephone and requested a U.S agent but none were available. I spoke with rep named XXXX who did not have an id or reference number I can include. After the rep could not provide a decisive answer to my request for method of verification even after I cited section 611 of FCRA I requested to be transferred to supervisor. I was then transferred to supervisor XXXX XXXX. I asked XXXX XXXX  to provide me with the name of the original creditor, the address and phone number of the original creditor, the name of the person at the credit reporting agency who verified the dispute with the original creditor and the documentation that was used to verify the dispute. XXXX XXXX advised me the Credit Reporting agencies are not required to keep any documentation on file and all verification is done electronically. XXXX XXXX stated 4-5 times data furnishers are not required to submit physical copies to the bureaus at any time and after being asked repeatedly he could not provide me with method of verification but stated he would send out a letter of there dispute/verification process via mail. I advised I would be filing a complaint promptly
Product: Credit reporting or other personal consumer reports

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be deleted immediately. 

XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you investigate this matter and make the necessary corrections to my credit report. 
Account information : Creditor : SYNCB/CARECR ACCOUNT # : XXXX Creditor : XXXX XXXX  # : XXXX Creditor : XXXX XXXX  # : XXXX Creditor : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX Creditor : XXXX ACCT # : XXXX Creditor : XXXX XXXX XXXX # : XXXX I have thoroughly reviewed my credit card statements and records, and I can affirm that all payments were made on time within the designated grace period as stipulated by my credit card agreement. Therefore, I believe that the reported late payments are inaccurate and should be rectified in accordance with the law.

As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into the late payment entries on my credit report. During this investigation, I urge you to consider the provisions outlined in 15 USC 1666b ( a ), which clearly state that late payments should not be applied to credit card accounts under open-end consumer credit plans.

Please be aware that the inaccurate reporting of late payments on my credit report has had a detrimental impact on my credit worthiness and financial standing. I trust that you will handle this matter with urgency and attention to detail that it deserves.
Product: Checking or savings account

The bank 's security department has frozen my online access and is demanding some very unusually technical steps on my part to restore service. I can not access my checking or savings online or use bill pay. This decision is being implemented and rendered by a back office in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not.

As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not.

As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX 
Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

5. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 7. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not.

As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

8. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

I request the immediate removal of this account from my credit report. Despite efforts to resolve this with the involved parties, I am prepared to take legal action if necessary.

According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to investigate this matter. I do not agree to automated verification methods and expect a manual review
Product: Mortgage

ADDENDEUM TO XXXX, WE ARE ATTACHING THE PAYMENT LOG FOR XXXX XXXX XXXX. THESE PAYMENTS WERE TO BE APPLIED TO CURRENT LIEN ON FILE. WE DID NOT REALIZE IT COULD NOT BE FORMATTED WITHIN THE COMPLAINT BOX.
Product: Credit reporting or other personal consumer reports

I REQUESTED IT A VALIDATION OF DEBT FROM MIDLAND CREDIT MANAGEMENT AND THE RETURN RESPONSE WAS A CREDIT CARD STATEMENT. CREDIT CARD STATEMENTS ARE HEARSAY IN THE COURT OF LAW. MIDLAND HAS NOT PROVIDED THE PROPER DOCUMENTATION TO VALIDATE DEBT FOR ACCOUNT THEREFORE THE DEBT HAS TO BE REMOVED. MIDLAND CREDIT MANAGEMENT HAS FILED A LAWSUIT AGAINST ME FOR A FRAUDULENT DEBT. ATTACHED IS THE DEBT VALIDATION LETTER SENT TO MIDLAND, THE 2ND REQUEST FOR DEBT VALIDATION, MIDLAND RESPONSE TO THE 1ST DEBT VALIDATION, MY COUNTER SUIT, ALONG WITH CERTIFIED RECEIPTS.
Product: Debt collection

Today X/XX/2017 at approximately XXXX XXXX I was called by what I was told was the " Bureau of collections of Maryland '' attempting to collect a debt from XXXX XXXX. They notified me that the call was being recorded. They stated that I owed around XXXX to XXXX XXXX and wanted to " update '' my information and get this amount taken care of. At this time I stated that I do not not have the funds available and since I am working right now I requested that they call me back later on in the day. She then asked " why did you answer the phone then if your at work? '' At this point I stated " because I have been being called and harassed regularly by this phone number for the past few days, and the calls ONLY come during my work hours '' at this time I stated again " can you please call me back later today I am at work '' she said " I 'll give you my information so you know exactly who your talking to and what amounts we are talking about '' I said " okay. '' Out of nowhere another RUDE and demanding voice comes on the phone demanding to know why I even answered my phone if I was at work, and I explained AGAIN that I was being harassed by this number. She told me they had called me yesterday X/XX/2017 and that I had answered and said " who is this '' and when I found out it was them I hung up. THIS WAS A LIE!!!! I have never spoken to this company prior to today, and if I had, why would I answer at work KNOWING it was them? Paying ANY debt to this company now concerns me because if they are willing to lie about something so trivial why would I trust them with money/ bank information and any debt resolution? She then stated that " I have no more time on this matter and if I do n't pay half right now they will just report it to the credit bureau. '' I again told her " No I will not being doing that today. '' Her reply was " Fine well just report this to your credit '' and then hung up on me. All I wanted was to not be harassed at work and instead got this rude phone call from a debt collection agency that refused to work with me, demanded money I do n't have, and offered no help in resolving this matter. I refuse to be harassed at work! I will be doing more research on the Fair Debt Collection Practices Act. No one deserves to receive harassing phone calls like this, especially not people who are trying their best to make ends meet for their family and fall short on a bill or two here and there.
Product: Credit reporting or other personal consumer reports

Business Credit Report Issues with Equifax Complainant : [ Your Full Name ] [ Your Title/Position ] Required XXXX XXXXXXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Complaint Against : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Telephone : XXXX Email : XXXX Subject : Inaccurate Business Credit Report and Lack of Resolution Case Details : Since early XXXX, the business credit score for XXXX XXXX XXXX XXXX has significantly decreased despite all payments being made on time. Equifax 's reports continue to reflect a Business Delinquency Score that is inaccurate and does not align with the financial behavior of my business. 

The Business Delinquency Score dropped from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, despite having no delinquencies, no past-due balances, and maintaining a Payment Index of XXXX. This ongoing error has negatively impacted the reputation and creditworthiness of my business. 

I have made numerous attempts to resolve this issue with Equifax, including : Calling Customer Service : I have contacted Equifax 's customer service several times, but my concerns were either dismissed or no action was taken to investigate or resolve the issue. 
Emailing Equifax : I sent several emails to XXXX, providing documentation and requesting clarification. However, my emails were ignored, and I received no meaningful responses. 
Attachments : I have attached copies of the following documents for reference : Business credit report from XX/XX/XXXX Business credit report from XX/XX/XXXX Business credit report from XX/XX/XXXX These documents show the consistent on-time payments and lack of delinquencies while highlighting the unjustified decrease in the Business Delinquency Score. 

Impact on XXXX : This incorrect reporting has negatively impacted XXXX XXXX XXXX XXXX by creating an inaccurate perception of financial risk. It has caused unnecessary difficulties in securing business relationships and potential credit opportunities. 

Request for Resolution : Conduct a thorough investigation into the business credit report for XXXX XXXX XXXX XXXX. 
Correct any inaccuracies in the Business Delinquency Score and other reporting. 
Provide a detailed explanation for the scoring methodology and any factors impacting the current score. 

Additional Issue : Problems Updating Business Address Along with the inaccuracies in the business credit report, I have also encountered significant challenges in updating XXXX XXXX XXXX XXXX 's new physical address in Equifax 's records. Despite providing all the necessary documentation and making several attempts through phone calls and emails, the new address has not been updated. 

The current address on file is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The new address that needs to be updated is : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Impact of Address Issue : The failure to update the physical address has created unnecessary confusion and complications, including delays in correspondence and potential impact on our business profile 's credibility. 

Business Address Update email problems.