23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear LVNV Funding LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This complaint against XXXX XXXX due to unresolved billing errors and unauthorized involvement of a third party, XXXX XXXX XXXX, in debt collection activities. 

Billing Errors XXXX XXXX charged me for services I did not authorize, and these charges have remained on my account despite multiple attempts to resolve the issue through their customer service. These billing errors have caused financial harm and unnecessary stress. 

Unauthorized Third-Party Involvement, Without my consent, XXXX XXXX engaged a third party, XXXX XXXX XXXX , to collect on the disputed account. XXXX XXXX XXXX reported derogatory marks to all three credit bureaus ( Experian, XXXX, and XXXX ). However, between XX/XX/year>, and XX/XX/year>, XXXX XXXX XXXX removed these marks, providing evidence that the debt claim was invalid. This removal signifies an implicit admission of wrongdoing by XXXX XXXX and XXXX XXXX XXXX. 

Privacy and Regulatory Violations, XXXX XXXX actions violated federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized disclosure of my account information to XXXX XXXX XXXX, a third party, without my consent. Reporting inaccurate and damaging information to credit bureaus, negatively impacting my credit score.

As well as Violating my right in acts ( RFPA & GLBA ) : Under 15 U.S.C. 68016809 ( GLBA ) and 12 U.S.C. 34013422 ( RFPA ), financial institutions are mandated to ensure the security, confidentiality, and proper handling of nonpublic personal information. Based on your correspondence and my ongoing concerns, I have identified the following critical violations, I demand XXXX XXXX take the following actions to resolve this matter : Opened ended Account and i Revoke any POA over my security interest as well.
Product: Checking or savings account

Wells Fargo made me think I had enough money to pay for items but unfairly charged me overdraft fees.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit card

I have a Slate credit card through Chase. I have been with this bank for over 10 years. I first noticed a fee of XXXX about a month ago this fee seemed to be in addition to any interest fees I might be charged. I called the bank about this charge and was told this : The fee is if you don't pay the exact monthly minimum payment and/or if you don't pay off your balance each month. I am on Social Security and because of food prices and miscellaneous expenses I have used my credit card a lot. The balance is approximately XXXX now which is far more than I ever wanted it to be. I have although been able to pay more than the minimum payment because I wanted to get it paid down. With the additional XXXX bank fee added each month it is becoming like a " Catch 22 '' situation and seems I am being penalized for paying more than the minimum payment and not being able at this point to pay off the balance. I am beginning to think the bank is making it difficult for me to get my credit card paid off. This is frustrating to say the least. 
My questions is, is this fair and how come they are allowed to do this? 
I would so appreciate a response and an explanation I can understand to why Chase bank is doing this. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today my wife, my place of employment and a couple family members were called and left messages threatening to sue me over an alleged unpaid debt. This debt was paid and proof of payment was provided. This is now at least the 6th different creditor who has tried to collect the same debt that was sold off by US Bank.
Product: Debt collection

On XX/XX/XXXX, I received a threatening call from XXXX XXXX of XXXX XXXX XXXX ( supposedly an arbitrator for Cashcall ) at XXXX. Threatening to file paperwork with the courts for a warrant and lien on my sister 's home ( by next Tuesday ), allegedly because her name was on the application as a co-applicant for a payday loan, but did n't have the information for the loan. She offered settlement arrangements on a {$5000.00} debt to avoid court but would not accept that I wanted it done in writing and that I would not be putting anything on a credit card. Hung up with an " We 'll see you in court ''. Then called my sister and told her to make a deal to avoid losing her home, even telling her that she should file a police report against me.
Product: Debt collection

CREDIT MANAGEMENT LP I reached out to the organization and here are some key points : Outgoing call XXXX min XXXX sec, XXXX minutes XXXX seconds Wed, XX/XX/2023, XXXX XXXX PT The reason I reached out to them was due to an alarming email sent to me. XXXX sent a note with a subject line : Your credit file has been updated. 

The body of the text read " Credit file inquiry There has been a change to your XXXX credit file : Investigating the change devasted me doubly because the claim by CMLP is that I owe money in excess of {$300.00}. But, secondly, there is no basis for their claim Still yet, they know issues abound concerning the debt exist yet insist on not removing it nonetheless. 

Lets, slow down and firstly describe what I saw before I called. Below is the entire information available to me before I called and ill allow you to parse through it while I hit the main point. 

Allegedly, they claim an account belonging to me exists. It had one opportunity to pay a sum of {$300.00}. This opportunity did not get taken. So they excitingly tried to bully me for money that doesn't belong to them. 

Here is how I know that for sure. For one, there is no record of billing. Thats correct, not once has a bill from CMLP been sent to me before they declared I owed them a sum. 

On the phone call, the person rudely refused to budge when she knew the attempt to be fraudulent. 
( 1 ) I know this because the birthday of mine differs from the one on the account they are collecing.

( 2 ) The account numbers differ. That is I do have a charter communications account but i can easily show that I am in good standing and owe nothing. More to the point i am using their internet service to write this message. And any cell phone communication you have with me will be through them so it is i impossible that I could be in bad standing. 

( 3 ) The billing address she has on file is some place I never hear of and it had a name so laughable she couldn't contain herself. XXXX XXXX is the address and the state is Illinois. Although I lived in Illinois for the first 9 years of my life this was before the turn of the millenium and i was a child when i left. 

In short, there is not a way or even a theory that could connect me to this account and through obvious malpractice they are attempting to pin it on me. 

Balance details 0 % paid off Balance {$320.00} Balance updated XX/XX/2023 Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$320.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name CREDIT MANAGEMENT LP Address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I got a car from XXXX in XXXX. I had a co-signer who agreed to help pay on this vehicle. I was laid off from my job months later and the co-signee was no longer willing to help. I spoke with XXXX XXXX and told them that I needed to return the vehicle, because I could not afford to pay it. They sent a tow truck out to pick the vehicle up and I did not hear back from XXXX XXXX about this vehicle. I received a call from my job on XX/XX/XXXX, saying that I am getting garnished for XXXX dollars from Autovest LLC. My job provided me the number to call, because at the time, I had no idea what debt I owed to have a garnishment. The number was to XXXX XXXX. The lady stated they have had my case since XXXX. I asked her to provide me with the original contract that I signed, the information on the vehicle, a copy of a valid, legal and lawful contract signed by myself and a legal representative of their lawfirm, and all documents for this debt they state I owe. I have not heard back from them.
Product: Money transfer, virtual currency, or money service

This was my first time purchasing a western union money. The post office was closed. So I bought two money orders. My rent and my daughter rent. XX/XX/XXXX I put me and my daughter rent money in the same white secured envelope and dropped it in the drop box at heron crossing apartment office in XXXX South Carolina. XX/XX/XXXX I received a call about my rent money. I told the manager I put both my daughter and mine money orders in the drop box. She claimed she didnt see. Well we had to pay western union to investigate what happened to our money orders. They sent us a copy of the endorsement money. Someone stolen the money orders from the office. {$320.00} each. I tried everything. I wasnt working but my rent got paid. Unfortunately I lost apartment XX/XX/XXXX. I tried to file papers through the court. I turned in my hardship form /appeal forms to the court I got evicted through the XXXX XXXX XXXX. How can we get compensation. My daughter is on XXXX and shes currently still at her apartment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I notified TransUnion via certified U.S. mail that the payment history listed for the tradeline XXXX XXXX '' was completely inaccurate per the Fair Credit Reporting Act. 

This account was opened on XX/XX/XXXX, yet the payment history says that it was *already 60 days lateXXXX in XX/XX/XXXX. This is not even possible! 

I can tell that TransUnion did not have anyone review the dispute letter or the attached documentation, because the payment history listed for this account makes no sense -- yet their dispute team claimed by phone on XX/XX/XXXX that it looked perfectly fine. 

The payment history entries for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for this account are completely wrong, and I attached full documentation to prove this. 

Despite this proof, TransUnion closed the dispute within only 4 days, and did not update any of the incorrect information. It is clear that they did not perform a full investigation. 

The entire payment history for this account is wrong and must be rectified or removed or the account itself must be deleted from my TransUnion credit report, per the FCRA, within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested
Product: Credit card or prepaid card

i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. Please I need relief.
Product: Mortgage

My mortgage was sold from XXXX to XXXX Loan Servicing. I called twice this month when my normal payment was not deducted from my checking account. They said they are working on getting the change over completed and I would get a " welcome package '' I did not receive any further information until yesterday when they left me a voice mail telling me to make a payment. Now they want a {$10.00} late fee. XXXX has a phone number that is not answered by humans XXXX or XXXX. 
I do not know these people. They seem disorganized, poorly managed, and I believe fraudulently collecting additional fees and damaging our credit. This is not what I expect from a company that specializes in loan processing. 
Can you do anything with these people?
Product: Student loan

Incorrect count for qualifying payments for XXXX. My account reached an arbitrary amount of interest accumulated that caused XXXX to divide my loan into separate loans and their system reset my payment count to XXXX. I put a request in over a year ago for an accurate count and it still shows XXXX qualifying payments.
Product: Debt collection

I moved out my apartment XX/XX/year> because they told everyone the place was getting renovated, XXXX the property down and charged me fees that werent accurate, the place is now close
Product: Credit card or prepaid card

I have a loan with Alliant Credit Union. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Alliant Credit Union with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection that have randomly appeared on my credit report from a compy called XXXX XXXX XXXX All transunion and XXXX do is send me back a standard answer of verified. When they fail to send me the legal documents that they use to verify this account which is unlawfully being reported on my credit report. I have never done business with this XXXX XXXX XXXX company nor did I give them permissible purpose to report this inaccurate account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Appfolio delete any information that they have on my name in their database. I am sending a notice along with evidence that clearly shows that they are in violation of the Fair Credit Reporting Act. As a Consumer reporting they have to exercise their duty to safeguard consumer information. 15 United States Code 1681b ( 2 ) states that a consumer reporting may furnish a report under the following circumstances and no other, ( 2 ) in accordance with written instruction from the consumer to whom it relates. I have a requested a copy of any written instruction that I have given the company to have any information about me on file and if they don't they are admitting to identity theft and violation my rights under the Fair Credit Reporting Act.
Product: Student loan

Credible got my financial info to " apply for a loan '' to refinance my student loan. The advertising was bogus, they denied me and denying me access to the reason for the denial.
Product: Debt collection

Earlier this year, I visited a free-standing ER called XXXX XXXX XXXX XXXX XXXX I was told by the receptionist that as an uninsured patient, I would have to pay {$750.00} up-front to be seen. 

As I was having what I thought was a severe medical issue, I went ahead and put it on my credit card. The doctor ran a slew of tests, including a total body scan that I came to understand was unnecessary and then did an extra scan on my neck claiming there was a mass there. The neck scan seemed to be superfluous, as it happened as I was just about to be discharged. He also talked to me about another condition in my pelvis. I told him I already knew I had those because I had a procedure the year before when I was insured. Afterward, he said the thing in my neck was not a big deal. Again, I only came to make sure that another issue was not happening. 

On my XXXX, XX/XX/27, I woke to an email from a person named XXXX XXXX from a company claiming to do debt collection for the facility, XXXX XXXX XXXX. The email said they would be investigating business about me as to why I hadn't paid the debt. I emailed XXXX back telling them that XXXX ) I had never received any bills from XXXX so I don't know why they'd jump to a collections agency, XXXX ) the PDF he included did not account for the {$750.00} I paid, and XXXX ) that I need an itemized list of the charged because they are trying to charge me over {$25000.00}. 

XXXX 's response said that they will send a request for invoicing although the client claims to have sent me two bills to the address on file and that he would " proceed with his position " till '' that time. '' I never received any bills from them. I would have addressed a $ XXXX bill If I had. 

I requested he send the invoice to me through email so that I can ensure I get it and won't be at the mercy of the USPS. 

I then called XXXX and explained the situation. XXXX, the receptionist, transferred me to their " billing department. '' Even though I asked XXXX if it was the true billing department or this collections agency and he said it was their billing department, it was XXXX XXXX XXXX. I got a voicemail for lunch hours. I hung up. 

I went to the BBB and saw that XXXX has an F rating and never responded to any of the complaints filed against them. That's when I decided to file this complaint because if a " free-standing '' ER is running up tabs like this, does not send bills to their patients to even give them a chance to pay, and then won't even answer BBB complaints, I think I need the CFPB to look into the collection practices going on for a facility that offers medical treatment.
Product: Student loan

Nelnet bought out the company that issues/holds student loans in the state of SC. When they bought out the company, they had an old address and phone number for me. Any auto debits that were set up with the old company did n't transfer to Nelnet. The y ended up having me as 90 days past due when I had no idea that they owned my loan now. I called to settle this once I saw it on my credit report, and they had no problem giving me a forbearance and bringing me current, but refused to remove the hits on my credit ( which was  XXXX  separate loans ) because they said they sent letters and call ed ( even  though they had the address and phone number wrong ).     I 'm a veteran and am trying to secure a VA loan for a house, and this hit to m y credit score is making it difficult.
Product: Credit card or prepaid card

I booked my flight ticket to XXXX using my chase Ultimate rewards points. I was tested positive for covid 19 on my travel day ( XX/XX/2022 ). Under cards benefits, my trip was insured and i will be given refund for medical issues. I had submitted all the required documents and filed a claim on XXXX on XX/XX/2022. It has been 65 days already. I had tried contacting Chase cards benefits departments several times. I was told claim examiner has not made any decision yet. I was also told that all required documents has been submitted.