23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi and hope you're doing well during this Covid-19 pandemic? Be safe! Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before for XXXX bill for {$1200.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX  and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
Product: Debt collection

I never received the notice of right to dispute, instead I received a letter with a court date attached. I called once I received the information regarding my court date in order to settle the debt. When I called, I was greeted by a rude individual by the name XXXX ( XXXX ), she refused to let me ask my questions, told me she was n't going back and forth then hung up on me. I called back and received the same treatment from her. I asked to speak to her supervisor and was told she was one and that there was no one above her. I again tried to get information regarding my debt from her however it turned rude again and she again would not allow me to ask my questions. I admit at this time I had enough of her attitude and did start to get snippy however I just wanted to know how to get backup regarding the debt owed so I could pay the bill. She again hung up. I called back a third time, she answered, heard my voice and hung up. I called back a 4th time, each time hoping I would get someone else, and this time she picked up the phone and hung up immediately. I called back a 5th time, yes a 5th time, and this time spent 53 minutes in a continuous loop before the evening message finally took over. 

I called back the following day and spoke to XXXX, who promptly told me that my medical records are there and I would receive a copy. That would be a HIPAA violation which I will file a complaint on next. She too said she does not have a supervisor however I finally got the name XXXX out of her. I have not pursued this person yet. I have since spoken to the original creditor who was helped me on this matter and the debt will be paid though them. I do plan on following up at the court date as I do n't trust this collection company at all. I wanted to validate the debt and could n't even get a voice in to do so.
Product: Checking or savings account

I called bank of america on XX/XX/XXXX XXXX to complaint about the overdraft on this date and i ask why i had a overdraft i was to because i did not have enough funds in my account to pay XXXX for my XXXX enrollment program so the bank paid it of so i said that the bank did not have my consent to pay the bill but i was told that i still owe the amount that was paid so the bank paid it. the amount of the overdraft is {$16.00} this is what i was told by phone on XXXX XXXX but on XX/XX/2023 i was told that amount was {$25.00}. 

Bank of america XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i inquired of experian to please let me THE CONSUMER know the methods of their validation as to the reporting of a bankruptcy on my credit report. I have disputed with experian and their results came back to me on XX/XX/XXXX, stating the bankruptcy REMAINS, which means they will continue to report this. They have no right to furnish this information without proper investigation. Although they have responded to my previous complaint, it was a " copy and paste " general response.I have disputed this for so long i deserve a proper response. All data furnishers have NOT released any information Experian, i have also submitted a paper from the court, stating that they did not provide this information, FURTHERMORE, XXXX  and XXXX  have done a PROPER investigation and have deleted this bankruptcy error on XXXX and XX/XX/XXXX ( which i have uploaded documents attached to this complaint ). I demand HOW HOW HOW they have the right to furnish, and their methods, I will also make complaints in other venues, and keep careful records of this
Product: Credit card or prepaid card

I am constantly allowed to pay my credit card balance without having a positive bank account balance. I have complained once about this control issue on the application with their customer service. They have allowed these payments and give premature credit advances and with this in mind, and I have been charged with countless payment return fees at this point, totaling over {$1000.00}. 

I am posting a new complaint as an update to my previous one with the same provider. 

Original Complaint # : XXXX
Product: Credit reporting or other personal consumer reports

Data Breach of personal information and also identity theft of my personal information.
Product: Bank account or service

On XXXX I originated an external transfer from my XXXX XXXX XXXX account to my TD Bank account for {$250.00}. At no time was I advised there would be a fee for this transfer. In fact, the confirmation I received clearly stated no fee associated with transfer. Checking my XXXX account on XXXX, I noticed a misc fee of {$3.00} being charged. I contacted XXXX on XXXX they informed me this fee originated from TD Bank for transfer. I called TD Bank on XXXX and was informed that yes, there is a fee assessed. I advised fee never disclosed as required by law they either refund or I file a complaint. The customer service rep refunded me the {$3.00} to my TD Bank account. On XXXX I checked my XXXX account and noticed this time XXXX {$3.00} fees have been deducted by TD Bank . I contacted TD Bank customer service, speaking with XXXX - Customer Service Manager. I informed him what had transpired yesterday and that today TD Bank has re-assessed me the original fee, the refunded fee and an additional fee. XXXX indicated he is not going to refund the fees because there is nothing he can do. I again informed TD Bank that the assessment of the fee was not advertised and in my opinion is in violation of the law. I further informed XXXX that if I did not get the fees refunded I would be filing a formal complaint - he told me to do what I felt I had to do. I
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Im XXXX XXXX writing to request a new fraud alert be placed on my credit report. My previous fraud alert has expired, and I want to reestablish this protection. Can you please confirm my identity and verify I am who I say I am before setting up the new alert? 

My identification details see attached : Drivers License and SSN Id like the fraud alert to remain in place for extended length of time ans would appreciate a confirmation number or unique identifier for the alert once activated. 

I am requesting this fraud alert due to concerns over potential identity theft and misuse of my personal information. I would like to ensure that creditors and lenders verify my identify before extending credit in my name. I hereby authorize XXXX to contact me at the following phone numbers in connection with this fraud alert : Cell number XXXX Landline number XXXX Please activate this fraud alert immediately and notify me once completed. 

Thank you for your assistance in helping to protect my credit information. 

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

On XX/XX/2020, I called the customer service line of Freedom Debt Relief ( FDR ) to get the balance figure of my dedicated account to determine an additional payment amount to be submitted to clear, and totally pay off the negotiated amount I owed to XXXX XXXX. I also advised that I wanted no further negotiations performed by FDR. I believe, to the best of my recollection, that I specifically named one creditor to be removed from any further negotiations. On XX/XX/2020, I used my debit card to pay {$2600.00} to totally clear and cancel any further obligation to FDR. I more than once asked for confirmation that my account was totally paid and there would be no further obligation to FDR. I was assured by the individual on the phone that my account was totally paid off and my account would be closed. ( If indeed conversations are recorded, why aren't they listened to? ) After paying my account in full XXXX XX/XX/2020 XXXX, a {$340.00} incremental was withdrawn from my account on XX/XX/2020. I called FDR and pitched a fit, during the conversation, it was again determined that my account was paid in full and the money was returned on XX/XX/2020. 
The next thing I know, {$10.00} is being withdrawn from my account on a monthly. I called FDR again, this time I was told the institution ( XXXX XXXX XXXX XXXX  ) paying the XXXX XXXX account would have to remain open until the creditor agreed to accept payment in full, which according to FDR, could take up to 6 months. I called XXXX XXXX and was advised that a payment in full transaction could take place in a 24-hour business day. 
In XXXX, I contacted XXXX XXXX again and stopped all permissions to allow withdrawals by FDR. 
I continue to get weekly notices that I need to resume deposits to FDR and the have added two more monthly fees for {$12.00} and {$21.00}. This is total nonsense, as I paid my account off on XX/XX/2020. I have my " dashboard '' provided by FDR, which will verify dates and $ figures. 
I have called XXXX, FDR, and XXXX trying to get this resolved, to no avail. 
FDR address is :. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Customer service : XXXX
Product: Checking or savings account

Recieved a text message from Bank of America stating " congratulations on your business account, you have been approved. you will be sent our welcome package in the mail ''. i called bank of america to let them know this if fraudulant. XXXX accounts had ben opened, XXXX business accounts, XXXX credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about Capital One credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX XXXX  of California, ... 

[ Message clipped ] View entire message
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$3500.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the removal of incorrect accounts from my credit report. Can you look over the documents? There are inaccuracies in the reporting, amounts, and dates for some accounts.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX  XXXX
Product: Mortgage

my mortgage on my condo was sold and serviced by shellpoint mortgage servicing on about XX/XX/22. about 2 months later I was informed I needed to have hurricane insurance. I did not receive a first notice and responded to a second notice. I was told if I did not get the insurance they would take out the insurance at a higher cost. I proceeded to get the insurance at a cost of about {$200.00}. I was told at that time that they had taken out insurance with there own company for aprox {$770.00} starting when they purchased the mortgage. My previous mortgage company did not require the insurance. I was told they would cancel there policy and I would be refunded. There policy was cancelled and I never received any refund. I have made about 5 calls to there company and been on hold for hours. I was never informed about the insurance, never received a binder or cancellation notice. They just charged me for it and sent me no letters or paperwork. I feel I am being given the run around and they are stealing money for. I keep getting promised return emails and phone calls which I never receive. I received one email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XX/XX/XXXX. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX College nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/XXXX reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/XXXX wherein they state in paragraph two that the " XXXX   was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXX  Account XXXX XXXX Delete this account because all three bureaus report different Date last active XXXX trans union XXXX XXXX [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX information was requested and disputed and nothing was sent to me. 

I am not liable for this debt with XXXX XXXX XXXX XXXX RESURGENT/LVNV FUNDING, i do not have a contract with this collection agency, I did not sign any paperwork with the collection agency stating that i would pay or owe them any money. I do not have a contract with RESURGENT/LVNV FUNDING, also they did not provide me with the original contract as i requested. I am demanding this account to be removed from my credit report.
Product: Debt collection

I got a call from a number that displayed number with no name with a local area code, the rep made the greeting sound like it was a law firm that was calling. She then voluntarily gave personal information without knowing for fact that it was the person she was looking for. When I pressed who, what company, she was calling for, she hung up. I called back a second time and the second person was at least professional before he ended the call because he was starting to argue. The third person I spoke with transferred me to a supervisor that removed my number from being contacted.