23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS IS IN RESPONSE TO CFPB : XXXX YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING XXXX AS THAT IS IRRELEVANT. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX AMERICOLLECT XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence  dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX
Product: Mortgage

I bought a XXXX and set up escrow for taxes, insurance..etc, the first payment to the tax authority was late. I called them and they said they would pay it out of escrow and they 'd pay the penalty of XXXX themselves. They ended up paying both the property tax and penalty out of my escrow even though the delay in payment was their fault.
Product: Debt collection

An account with pathfinder credit services is showing on my credit XXXX & XXXX  credit report when it is showing fraudulent charges XXXX  has removed the debt collection and secondly I dont even know who that co-signer is! The amount is XXXX $
Product: Debt collection

On XXXX XXXX a validation letter was mailed to L J Ross Associates In. This company/organization has failed to provide the following : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s : Instead the company continuously calls my cellular telephone number as well as reported the collections onto my account both on XX/XX/2021 and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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All Inquires were submitted without my permission.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all the needed documents as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I have requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it for XXXX XXXX. ) Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), You have no legal right or juridiction obtained by me to collect on this account.

I demand Proof that the Statute of Limitations has not expired on this account. 

I hereby request that the accounts be deleted.
Product: Mortgage

We refinanced our mortgage and the new bank was given the payoff which included all interest and payments etc.for the date of XX/XX/2019. We noticed two withdrawals for PMI during the month of XXXX. The first PMI withdrawal was taken XX/XX/XXXX which was the day after we made our normal XXXX monthly payment. The next PMI payment was withdrawn XX/XX/XXXX which was the day after the new bank completed the pay off. There should not be an additional month of PMI taken because ( 1 ) the payoff was already given to the new bank and had been paid in full, and ( 2 ) because it was below the 78 % threshold of PMI requirements which are pointed out in the disclosure documents. I called the bank to verify and was told that PMI is taken one month in arrears, but no one could explain why the second PMI payment was taken. The second PMI payment needs to be credited back into escrow and sent to me, as it does not belong to the bank since the payoff had already been stated and paid in full.
Product: Debt collection

I am writing to report a debt collection lawsuit brought against me by a debt collector for a debt that was discharged in bankruptcy XXXX years ago. Despite the debt being discharged, they obtained a default judgment against me. Pursuing collection on a debt that has been discharged in bankruptcy may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit has caused me significant distress, and I have incurred financial costs in responding to the lawsuit, including filing fees and court costs. I was unable to afford a lawyer at the time. 

I was not aware of this debt in particular, and I never acknowledged the debt with the debt collector or received any notice from them, assuming that my XXXX XXXX loans had already been discharged in bankruptcy XXXX years prior. The original defense I presented was that it was well beyond New Jersey 's 6-year statute of limitations to collect on the debt. Later in the case, I was able to find documentation proving that the debt was discharged XXXX years ago in bankruptcy. 

Throughout the case, debt collectors legal representation has continued to file objections, misrepresenting the bankruptcy code concerning which types of student debts are eligible for discharge, despite providing proof that the debt in question had in fact been discharged as it met the criteria for unqualified XXXX XXXX loans that could be discharged in bankruptcy. The legal team misrepresented facts throughout the case to manipulate the outcome in their favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to Buyers Holdings , LLC. 

I then filed a complaint against Buyers Holdings , LLC on XX/XX/2022 CFPB Complaint ID # XXXX and Buyers Holdings , LLC stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
Product: Debt collection

An authorization was approved for a treatment plan with XXXX XXXX from Workers Compensation in XX/XX/2018. XXXX XXXX failed to file in a timely manner for billing. A notice of decision was sent to XXXX XXXX with an opportunity to object to the decision that the carrier and claimant were not responsible for payment due to untimely filing of billing. XXXX XXXX did not object to the decision. Decision clearly states in favor of the carrier and claimant is NOT responsible for payment. XXXX XXXX knowingly sold off the unowed debt to Credit Bureau Systems Inc. I have since then receives several letters and phone calls in an attempt to collect this undue debt. I have provided a copy of the notice of decision that I am not responsible for the debt.
Product: Debt collection

On XX/XX/2022 the debt collector - Capital Link Management on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted both my parents ( XXXX & XXXX ) and XXXX of my siblings also - via text message disclosing a debt that I had that had been referred to collections. In the text- they disclosed the amount of the debt {$680.00} an offer for settlement of the debt {$230.00}. In addition- they disclosed that if the debt was not settled it would be be transferred to the Pre Legal Collections Team. The included the number XXXX. 

I also received the same text message and did subsequently settle with the debt collector. 

It is my understanding that it is illegal for the debt collector to contact my family and disclose the amount of the debt and the information that they did disclose to them. I have the text messages that were sent and can provide if requested. I would like this company fined and whatever restitution that I am owed be paid to me. This was something that should have never been disclosed to my parents and or siblings. I am XXXX y/o and not a minor. 

If you need the phone numbers that these texts were received- please let me know and I will provide to you.
Product: Credit reporting or other personal consumer reports

I was taken aback this morning to find incorrect accounts on my credit report, and I can't understand why this happened. I routinely check my report, and suddenly there are errors Ive never seen before. I even refreshed my browser, hoping it was a glitch, but the incorrect accounts stayed there. Given this unsettling issue, Im requesting a thorough review of the documents I submitted to ensure I wont have to deal with this stress again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge off. The account in question is XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C 1681 e ( b ) ). Repeatedly reporting the charge-off each month result in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681 c ( a ) ( 4 ) ). Continuously reporting this charge off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter. -
Product: Debt collection

Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, XXXX of their third-party XXXX did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

XXXX XXXX XXXX sent me a letter for a PayPal debt of {$200.00}. I dont have a PayPal account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent. 
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity Theft. I already have a personal loan account with XXXX XXXX XXXX  ( XXXX ) and the account number is XXXX. On XX/XX/XXXX XXXX without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ s to some account in XXXX. I never heard this organization XXXX. I leant about this activity when XXXX called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX CC. Sometime in XX/XX/XXXX XXXX gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX and they closed this account. Equifax is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to XXXX as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( XXXX ) themselfs don't know where they sent.
Product: Debt collection

Upon returning to the US after a trip abroad in the Fall of 2022, I began to receive multiple calls about a {$200.00} payment that was claimed I owed to XXXX. 

My account with XXXX has always been on auto-pay, so I accessed my account information to verify that all payments had been made and that no additional payment was owed. All payments had been made and my XXXX account showed no amount due. 

The calls kept coming. 

Worried about possible scam and theft connected to the possibility that my financial information might have been compromised while I was overseas, I stopped taking the calls from the " company '' claiming that I owed them {$200.00}. 

Approximately 2 weeks ago, I was notified by mail by Convergent Outsourcing that my lack of payment had been turned over to collections. Shortly after that, I received notification from XXXX of the same thing. My credit history was changed to show a new account opened by Convergent Outsourcing and my credit rating was reduced as a result. 

I spent yesterday on the telephone with multiple call center representatives at XXXX and found that there was no amount owed as claimed by Convergent Outsourcing. When I tried to contact Convergent Outsourcing by telephone, they let me know that they were closed for the day ( yesterday ). 

Prior to calling Convergent Outsourcing, I had accessed their website and tried to start a complaint using that method. I provided contact information including my email address and pressed " XXXX. '' When I did so, the only change to the screen was a notification in red stating that I had provided an incorrect email address. I had not, it was correct, but the screen never changed. 

To my surprise, I received XXXX ( XXXX ) emails from XXXX overnight letting me know that the dispute I had initiated yesterday had been culminated, the issue resolved, and my credit rating restored. Again, it all happened overnight and after Convergent Outsourcing let me know that they were closed for business for the day. 

This is nuts. Had I not stayed on the phone for hours with call centers in multiple locations and then trying to submit information on what appeared to be a non-responsive website with Convergent Outsourcing, this issue would still be pending. 

It just looks way too easy to extend a false claim all the way from initial contact to credit report impact if this is how simple it is to resolve what turned out to be a false claim. 

So, what happens to Convergent Outsourcing for submitting a false claim? Will they pay me for my time to correct their mistake?
Product: Debt collection

A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. 
I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. 
I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. 
As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. 
My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?
Product: Credit card or prepaid card

Someone has my Social Security Number and they are applying for loans and credit cards. Please freeze all my XXXX credit bureu accounts