23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im emailing to file a formal complaint about the incorrect billing to me on a mistake XXXX made. Last week ( XX/XX/XXXX ) I received a debt notice in the mail from Keystone Law LLC. This was my first communication that XXXX was even seeking money owed. After calling the customer service line for what the bill was for, it is in relation to a huge mistake XXXX made last year and the charges are a result of XXXX  failure to correctly label and ship my packages which resulted in hours of lost time and damaged property for me. 

Last year ( XX/XX/XXXX ) I moved abroad and hired a company to send my bags internationally to XXXX. They contracted XXXX to send the bags. XXXX incorrectly listed the county of destination as XXXX XXXX XXXX XXXX  ), not XXXX ( XXXX ) and sent my bag to XXXX XXXX. They initially refused to admit fault even after receiving documents from both myself and the moving company showing it was their fault. After three months of the moving company and I calling nearly every day, the moving company was able to get XXXX to admit they made a mistake and have my bags sent to the correct address in XXXX. 

Then, nearly a year later, XXXX used a debt collector to bill me for duty and import taxes amounting to {$440.00} for XXXX XXXX. The customer service representative confirmed that the charges are related to customs and duty for XXXX, XXXX XXXX. My bags would have never even been in XXXX XXXX if not for the mistake of XXXX in incorrectly labelling the country and causing me months of XXXX 

This has been the worst shipping experience of my life. This bill is extremely incorrect and unlawful as I have in no way consented for any of my things to be sent to XXXX XXXX, nor do I believe I should pay for duty and tax for XXXX XXXX as a result of XXXX 's mistakes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, LA XXXX XX/XX/year> Resurgent Capital Services L.P . 
XXXX XXXX XXXX XXXX, MI XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX  Subject : Cease and Desist Request for Deletion of Collection Account Dear Resurgent Capital Services L.P. , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX XXXX, XXXX.
Product: Debt collection

I have just gone through a XXXX XXXX  and have been recovering for the last couple months and have not been able to work. My truck payment is only a week late. Last night XXXXXXXX  Citizens texted me at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

In XXXX, when I was a XXXX  in XXXX, I had my identity stolen, and a fraudulent XXXX  account was opened in my name, that racked up over {$1200.00} dollars. At the time, I disputed it with the 3 credit reporting agencies and got it removed. 6 years later I am checking my credit score only to discover that the same issue is back on my credit report and is in collections, witch tanked my credit score. I am sick and tired of having my credit affected by this fraud. I have never lived at the address or even in the state the XXXX account was opened in. I have never lived at the house address listed in the XXXX  account.
Product: Credit card

XXXX XXXX We submitted a complaint to review as the companys system had technical issues. We called/ chatted with CS multiple times for months and they told us to wait, try again, etc. I finally mailed a check to pay and am still charged fees for their issue
Product: Debt collection

XX/XX/year> Amount:XXXX $ I received a call and I told the company I can not pay because I had financial hardship.
Product: Debt collection

I found out that there was loan under my name from company called XXXX XXXX. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX to dispute for this amount. I have never requested personal loan from XXXX XXXX, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called American Recovery Service Inc. which amount of {$13000.00} on XXXX, XXXX, 2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX
Product: Debt collection

XXXX XXXX mos ago ( End of XXXX ) ..I contacted a company who I thought still had my file altho credit report showed XXXX bal tried to get title..they informed me that debt had been sold altho I was never notified... was referred to another company & then was referred to a Law firm in XXXX... they NEVER sent me letter they had file ... When I contacted them I kept asking why I was never notified... all the representive said was " You can make an arrangement or I put the vehicle out for XXXX now '' ... I felt I had no choice to make an arrangement but they never answer the phone when you call..Have been trying get ahold & only able to leave msgs for over a week..One representative finally called me back... But at XXXX ... And also I am in XXXX & They are in Washington State... They claim they are a Law firm ... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or M.me, XXXX XXXX XXXX bought my debt from XXXX XXXXXXXX   ( see attached letter ) on XX/XX/2019. Notice that it mentions XXXX XXXX XXXX XXXX to be the buyer and new owner of my debt. 

Nearly 4 months later the firm I hired settled with Resurgent Capital Services in a document that shows LNVN to be the owner of the debt. We settled and payments ar e being made on time regularly ever since. Next payment for over {$100.00} is scheduled for XX/XX/2019. 

After 3 months, on XX/XX/2019, inexplicably LVNV decides to place a negative mark on my credit report causing huge financial damages since I am in the process of refinancing and cashing out significant amount of funds. 

I have spoken and written multiple times with RESURGENT 's personnel and they had no answer for the questions that I had, which are the following : 1 ) The second page of the contact with Resurgent/LVNV/XXXX XXXX  XXXX XXXX clearly states that a negative mark will be reported only in case of non fulfillment of the agreement. Agreement was and is being fulfilled, therefore, the negative report on my credit file was and is in violation of the contract. 

2 ) The companies above mentioned have violated Federal Law FDCPA ( 15 U.S.C. 1692 to 1692p ) which states : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Unfair Practices A collection agency can't engage in any unfair or outrageous method to collect a debt. For example, it cant : add interest, fees, or charges not authorized in the original agreement or by state law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The above mentioned companies are indirectly causing a significant addition of charges to my personal and to my financial life. 
My current loss of funds it is caused by a measure that violates the contract stipulated between the parties. 

3 ) I was told by Resurgent representative that there was a six months time period since a debt is bought for the company to start reporting to the credit bureau.

The statement was denied later by a manager. 

4 ) I never received any communication from XXXX XXXX XXXX XXXX that LNVN was the owner of my debt or what type of roles they have with my debt. According to the letter XXXX XXXX  sent me the owner was XXXX XXXX XXXX XXXX. 

I am suggesting all the above mentioned companies to change their policies in regards to credit reporting and never penalize a party when payments are being made by negative marks in the credit file. 
I am asking the above mentioned companies to immediately remove the negative marks in my credit file for XXXX and XXXX and cease this unfair practices.
Product: Debt collection

They called me saying that they will contact my employer to try collecting the money? I dont owe any money. This is the 3rd acct they opened in my name. Even got me in trouble with the IRS claiming a XXXX $ owed and file like sn income!
Product: Credit card or prepaid card

This is a follow up on CFPB complaint submitted on XXXX XXXX - complaint number XXXX. 

Today Bank of America credit card department has taken {$940.00} from my checking account without my authorization. 

Despite talking to credit card department of Bank of America yesterday and asking them to revert the payment they denied. 

Today they say that I had in fact authorized an automatic payment and starting overdrawing my checking account. 

This is completely unagreeable behavior from Bank of America credit card department. 

Bank of America must not try to take XXXX dollars from my account. The charge is showing as processing on my account on XX/XX/XXXX. 

Processing Transaction layer ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX as Reconciled XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have noticed to fraudulent hard inquiries. XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, these hard inquiries are result of fraud
Product: Checking or savings account

I received a letter from Bank of America stating that they are closing my checking and savings accounts in 30 days. They will not provide me with any information as to why this is happening. I have had the accounts for more than two years and have always been in good standing with BoA. I have called the number on the notice and no one will help me. I know I am being treated unfairly, and I want answers
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my third complaint in the CFPB regarding Equifax. In my previous complaint I pointed out that Equifax allowed unauthorized companies to access my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Equifax claimed that the inquiries from XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX  are " factual ''. Again I personally have no acknowledgement of these inquires whatsoever. I have a record of who I have given the permission to access my credit report. As stated in former complaints I have no recognition of EVER giving permission to access to the furnishers above. Equifax sent me information to review and confirm and again I can not confirm the information because I didn't give the access. This is not fair as a consumer to be taken through tiresome loops when I notify the Bureaus that there is inaccurate information on my credit report and they don't address the problem. They send computer generated responses and say that they " verify '' the information. If I as the consumer let them know that I didn't authorize an inquiry they must provide me with information on how the permission was given. Is there a signature given or even an account attached with the inquiry .... The reason why they can not is because there is no information regarding me giving the permission because I didn't. Equifax has sent me letters, which I will attach to this complaint, that are saying they " verified '' the information and the inquires are " factual ''. I have reached out to each of the furnishers about these inquires and notified them of the error. They have stated that they will be informing the Bureaus and apologizing for the error and yet Equifax is saying that they are factual. Clearly there is a problem and it is with Equifax not following the FCRA for who can access a persons credit. When I first notified Equifax about there being unauthorized inquires on my credit report ; they were supposed to at least place a fraud alert on my credit report to ensure this doesn't happen again, and yet, Equifax hasn't done anything EXCEPT. tell me that the inquires are factual. When they aren't. I expected more from Equifax and I don't believe that this is fair on me as a consumer because NOTHING is being done to protect my identity. I'm not sure if this is fraud and Equifax has to much pride to even take my complaints seriously. I expect them to take my complaint serious and do what the furnishers have stated to me and remove the unauthorized inquires!
Product: Debt collection

I had disputed this debt with XXXX and sent them certified mail that they were not to collect my bills as it was a HIPPA violation. They dismissed the debt, but the company sold my debt to another third party. Again, this violates my HIPPA rights as I never gave XXXX XXXX XXXX Permission or Acute Care Specialists PLLC, XXXX XXXX XXXX XXXX, or Cascade Capital Funding , LLC to sell my debt to a third party. Furthermore. I am allowed under the HIPAA law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party nor did I give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN, XXXX Permission to sell my debt to Cascade Capital Funding , LLC XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX CA XXXX. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any. 
Please provide a breakdown of fees, including any collection costs and medical charges, if any. 
Please provide a copy of my signature with the provider of service to release my medical information to. 
Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please provide me with a verited certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FIDCPA, or HIPAA. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail. 

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

MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent items. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of these items or having the credit bureaus contact me about the problem. Here are the issues that bother me : XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX