23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter serves as formal notice and demand for resolution regarding the account transferred from XXXX in the amount of {$6500.00}. The transfer of this account was not conducted in accordance with federal and state law. Additionally, XXXX did not have, and never will have, my consent to transfer or assign this account to you or any other party. 

I am holding you accountable for violations of the following applicable laws : Federal Laws Violated : XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Misrepresentation of debt ownership and improper account transfer without my consent.

2 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Reporting inaccurate or unverifiable information to credit bureaus.

3 Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

Failure to provide required disclosures regarding the assignment of the debt.

Florida State Laws Violated : 1 Florida  Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) : Claiming or attempting to enforce a debt that is not legitimate or authorized.

2 Fla. Stat. 559.77 : Allowing recovery of damages for violations of the FCCPA.

Due to your actions, I have suffered actual damages in the amount of {$6500.00}. Under state and federal law, I am entitled to recover damages up to the actual amount due to the unlawful transfer, misrepresentation, and inaccurate reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Contact via email only XXXX All rights reserved
Product: Debt collection

Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ mid - XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XXXX XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to XXXX XXXX XXXX XXXX XXXX. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from Cawley & Bergman who is trying to collect the debt of behalf of XXXX XXXX XXXX equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to XXXX XXXX and XXXX XXXX XXXX. 
3. Letter from Cawley & Bergmann debt collector. 

Thank you for your help. 

-XXXX XXXX  Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor XXXX XXXX XXXX XXXX   XXXX XXXX Cawley & Bergmann File Number : XXXX Current Balance : {$870.00} Address : XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit card

My last 4 digits of my citibank 's XXXX XXXX is XXXX. 
I have informed them will be doing foreign travel. During my travel did charged my purchases on above card. When I returned back to XXXX, found that they charged me 3 % transaction fee, which as per bank digged in fine print. 
On XX/XX/XXXX when I called they told me the above info on foreign transaction fee. After spending hours, I called them to cancel my card, at that time they transaferred the call XXXX XXXX. After talking to her, she offered me following promotion. 
XXXX XXXX XXXX XXXX XXXX SPECIAL CODE XXXX months XXXX points XXXX XXXX  - XXXX XXXX XXXX XXXX ( CODE ) XXXX While I was on phone with her, checked my account points didn't added, she advised me to wait till the billing cycle, which ended on XX/XX/XXXX. 
Again today ( XX/XX/XXXX ) called CITI BANK 's customer service, after talking to foreign customer service rep for one hour, asked them to transfer my call to XXXX based XXXX. At that time XXXX XXXX gave me entire different promotion information ( which was not same as which XXXX XXXX gave ). As per XXXX XXXX my promotion was will get XXXX points XXXX XXXXr upto {$35000.00}. 
I tried to call CITI 's XXXX multiple times to reach XXXX XXXX but not succesful. 

CITI BANK XXXX gives promotion to customer but within their system they do something, which is CHEATING the customer
Product: Mortgage

SPS servicing will NOT allow me to pay my mortgage because my son filed bankruptcy using my address. For one, he is not even on my deed, and two he doesnt even live at my house. He moved 6 years ago. I have been paying on my house for 25 years and this is just ridiculous. They will not tell me how I can pay my payment or what I need to do. I have spoken to a couple different attorneys including my sons bankruptcy attorney and they have said that SPS can not do this even if my son did live with me. The bankruptcy attorney doesnt even know how they would even know about my sons bankruptcy since he is not even on the mortgage. These guys just want to take my house because it is close to payoff. In 25 years, I have never experienced anything like I have with these people.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted documentation challenging suspicious accounts. On XX/XX/year> I followed up with more documentation. The reporting agency company never replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps saying that they have reinvestigated this XXXX account but I have never had a XXXX account and they won't send me any proof on this account. I have previously submitted a complaint and they are ignoring it. it is file XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

U s auto sales went out of business and filed bankruptcy sold my contract to XXXX XXXX a debt collection know my car has been repossessed I had gap and paid Collateral protection insurance.I still have my original title with everything I paid
Product: Debt collection

Cavalry SPV I , LLC XXXX XXXX XXXX XXXX # XXXX, XXXX NY XXXX - Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX I - XXXX XXXX XXXX have been paying on this account ( XXXX ) since I had it. I only missed 1 payment, it was actually just late. My husband was in the hospital for XXXX XXXX XXXX. I got a call from XXXX collection & threat of a lawsuit. I have been paying {$55.00} a month, because that is all I can spear. My Social Security Check pays the rent & my husband 's job ( finally makes {$12.00} hourly XX/XX/XXXX ) pays utilities, medical & prescriptions, groceries etc. I lost my wallet in XXXX, and had to report the lost to the bank & other agencies. The bank we used has changed names 2 times ; and we have been homeless about 3 times since XXXX. An address change was submitted to the Post Office. I never stopped paying this bill. I only have proof of payments for the last 2 years XXXX & XXXX. Some of the payments went to XXXX XXXX XXXX ; some went to Cavalry SPV I. Your negative reporting is keeping me & my husband from getting into a less expensive apartment in a Senior Living Community. Please remove your negative comments.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, as I have no knowledge of them, and they were done by the company without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} U.S. Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/XXXXXXXX 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 reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report with XXXX XXXX XXXX ( account # XXXX ) and XXXX XXXX ( account # XXXX ) that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these late payments as it is incorrect and does not reflect my true credit history and According to FCRA Section 605B. It's illegal to report anything without my permission. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports, XXXX, XXXX, and Experian there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called Experian and they did take care of it by deleting it. When I called XXXX and XXXX, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX XXXX XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the manager and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

5 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateXXXX XXXX XXXX XXXX XXXX GA XXXX should not be listed as an address of mine. I do not live there and never have.
Product: Credit card

I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you
Product: Debt collection

On Friday, XX/XX/2018 Allied Interstate called 6 times. This is in reference to a XXXX XXXX/XXXX XXXX credit card. 

I have personally reached out to XXXX several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows there are 2 late payments in my Universal Card CBNA account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call XXXX to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.
Product: Debt collection

They never informed me about the dispute policy and I contacted them many times to cancel my service but they did not cancel the service and now they are not picking my call.
Product: Mortgage

Our FHA loan was turned over to Fay Servicing while in a forbearance. We were sent a loss mitigation option XXXX XXXX XXXX with no terms to the modification. We are expected to accept or reject the Modification by XX/XX/2024 and we never got the terms to the Modification. When I called my point person at Fay Servicing they stated they wont have the terms drawn up for us untill XX/XX/2024. By that time it will be past the acceptance time of the Modification. We will not accept a Modification without knowing the terms. From what I am reading about this company they will escalate into foreclosure. I would like to know what we can do. In addition, they they said we dont qualify for a partial claim for a work out plan and we have no outstanding partial claims out. It seems they are doing everything they can to forclose on our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries as shown on my TransUnion report. 

1. XXXX XXXX inquired XXXX XXXX 2. XXXX inquired XX/XX/2022 3XXXX inquired XX/XX/2022 4. XXXX XXXX XXXX inquired XX/XX/2022 5. XXXX XXXX inquired XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all XXXX of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all XXXX of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXX. Sure enough I checked online and it said all XXXX of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the XXXX time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I may not get my mortgage because this affects my credit score.
Product: Debt collection

A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account XXXX XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. 

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXXXXXX 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 Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I notified TransUnion that there are unauthorized credit inquiries on my consumer report. TransUnion only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX,2023 XXXX XXXX XXXX 2023 XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act conversion accounts : XXXX. XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX 15 USC 1681 SEC 602 A - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC ( 2 ) CONSUMER REPORTING AGENCY CAN NOT REPORT AN ACCOUNTS WITHOUT MY WRITTEN INSTRUCTION A CONSUMER
Product: Credit reporting or other personal consumer reports

I have tried to resolve this problem with XXXX XXXX, XXXX, and CFPB Complaint ID XXXX. I thought the issue was resolved, only to find that XXXX has again filed that I am delinquent on my credit report as of XXXX, which makes me now 120 days late on a XXXX balance. I'm frustrated and don't know what to do. Please help me this time.
Product: Debt collection

They call my house five times a day. I have asked them to stop calling me. They do not stop. I would like them to stop.