23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, firstly there are XXXX separate issues but they are related. The second issue wasn't an option on the form. 

The first issue : I received a notice from Resurgent Capital Services in which it states LVNV Funding is the current owner of the debt, dated XX/XX/year>. It stated that I owed a debt that originated with XXXX XXXX  and that I had 30 days to dispute that notice or they would take further action. 

I disputed the debt on XX/XX/year>. I did not realize it, but they had already reported the debt to the credit bureaus on XX/XX/XXXX. Before they even sent the notice to me supposedly offering me an opportunity to dispute the debt. 

The second issue : The amount they claimed that I owe was XXXX. Same as with XXXX  XXXX, I told them that did not make sense because the amounts went up dramatically without any explanation why. 

XXXX XXXX  had previously closed the account even though I had not missed any payments. I explained to them that when they closed the account, I was not able to make payments because it was not letting me into the account. And then explain to them that when they kept claiming that I owed more and more, I was not able to see any kind of explanation on why I was owing more. Unfortunately they did not care. 

I explained all of this to the new debt collector and requested that I receive proper validation of the debt including an itemized statement of the amount claimed to be owed, including all interest fees and charges as well as a complete and accurate payment history. 

I had to respond to the new creditor twice, three if you include the original dispute, because each time they responded they sent something else that did not fulfill that obligation nor did it even amount to the total they claimed I owed. 

The only amount that came to that total was XXXX XXXX saying that was a charge off amount. But the other documents they sent did not amount to that. It did not show how the amount actually was what they were claiming. 

So it is those XXXX issues. I believe I have a right to fair and open disclosure on how a debt is owed, and how it is the correct amount. But instead of respecting that, they sent the same documents that did not meet that criteria. Along with a letter saying that my claim of it being the wrong amount was insufficient. Despite their own documents that partially showed itemized statements still did not amount to that. 

Because they have done this, including reporting to the credit bureau before they even sent me notice, I would appreciate if someone would take action regarding this. 

I do have additional documents, and will be attaching the paper document responses they have sent me. I also have video recording of my dispute submissions. I will have to locate the original notice I was sent but I do have it somewhere.
Product: Debt collection

XXXX XXXX XXXXXXXX keeps finding and buying old charged off debt. One of them I am almost certain I paid. It's been over 25 years. I've moved several times since then. I went to court and tried to argue that point and the judge granted them payment. They contacted me again via court records saying I owed them a different amount. I told them I didn't owe that but we went to court again and they won again. This time they garnished my checking account at XXXX. To me this is unfair because I have no knowledge of where they keep getting these accounts from. I've contacted courts in each city I lived in like XXXX, XXXX XXXX, and XXXX and I can't find any charges against me. It should be a limit on what debt collection companies do. How can I protect myself from this happening again? I do have the court documents sent to the bank. But my bank didn't notify me until they put a {$1200.00} hold on my account. I had just received payment from the XXXX XXXX class action lawsuit. It's ironic that it was that amount and they garnished me for almost that amount. 
Kindest Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX CA from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. My husband and I personally paid almost {$50000.00} to XXXX but in 2018 legally transferred our interest which had been sold to XXXX, but which ceased to have any value whatsoever. Every effort of XXXX  to bill was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in Jail for FRAUD and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
Product: Prepaid card

On XX/XX/XXXX at XXXX XXXX, a charge for XXXX XXXX - XXXX was made to a Vanilla gift card, unauthorized. The card was activated on XX/XX/XXXX, at XXXX XXXX at XXXX XXXX - XXXX. I did not know that the card was activated, and when I logged into Vanillagift.com to activate it, I saw that it was already activated. I did this at around XXXX XXXX, meaning that the card had been stolen and used in a matter of minutes. I have contacted their customer support, and they have opened up a case for me, however they said it could take up to XXXX calendar days. The purchase itself was {$100.00}, which is the entire balance of the gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently viewed my credit report online, and discovered that on XX/XX/XXXX of 2021, Lendmark Financial Services XXXX, has caused a drop in my credit score by running a hard inquiry on my credit report. I have no business dealings with this entity and have not had dealings with them in the past. I did not give them permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. 

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

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

I spoke with a rep after XXXX/XXXX/XXXX with XXXX. The rep advised that the request on XXXX/XXXX/XXXX was received and confirmed that my request was pursuant to my rights afforded by FCRA 611. The rep advised that although pursuit to my rights by FCRA none of the accounts included on my request were verified with my original contract or identification provided at the time of applying because those companies are n't required to do that. I advised the agent that per my rights afforded to me by FCRA credit reporting agencies held the responsibility to verify anything added to my report with the original contract. The agent then went to advise that although you did not complete your steps as a credit reporting agency you did not remove unverifiable accounts from my file. The information in response to my complaint it states, " For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. '' This does not correlate with the information provided by the representative who confirmed TransUnion did not get proper verification under FCRA 611 and provide me copies. It also does n't correlate with the representatives advisement that the accounts were not deleted.When i first reached out to TransUnion regarding a copy of my report and the proper steps to take regarding my disputes I was then advised that for public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly to FRCA and other laws thought were included with my report titled YOUR RIGHTS AS A CONSUMER. According to the information confirmed by your agent that had not been done and a copy of the verification documents ie ; original contract, proof of identity, and/or updated credit report was not received by mail.
Product: Debt collection

I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said " I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying " I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?
Product: Vehicle loan or lease

I had my car financed with Consumer Portfolio Services on XX/XX/XXXX. Due to financial hardships, I had to request extensions a few times so instead of my loan maturing XX/XX/XXXX it was extended to XX/XX/XXXX. Although my loan was extended 4 times, the maturity date was extended for 5 months instead of four. The problem arises because although I am considered up to date on payments with no late fees, my loan maturity date is still XX/XX/XXXX but XXXX states that I owe over {$5000.00} and my monthly payments are {$670.00}. 
I've called XXXX to try to understand why I would still owe that amount if I am up to date with no interest or late charges. They have not been able to explain why and have told me to just keep paying until it is paid off. I requested that they send me a copy of my contract two months ago but I have not received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX - XXXX XXXX  # XXXX XXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

I had one more payment to pay in total I paid XXXX the total payment on the account of the loan was XXXX. I missed one payment and they did email saying it was missed but the payments for every paycheck proceeded. I was late on the first payment so I knew I was one payment behind. As I am trying to pay it off the agent on the phone tells me that I owe XXXX. He explained that I was only paying for the interest rates and not the principal. So this entire time all the money was going to interest. I spoke to a supervisor and she explained well this is how it works and nowhere on an email I received from them does it let me know or the contract which I asked and they do not know where that information is under. They told me the document was on my account andthey did not want to provide any more information. So, now this loan is costing me {$6200.00} not what we signed for in the contract in the beginning. How is this being allowed?
Product: Credit card or prepaid card

On XXXX XXXX I received my XXXX XXXX statement and was irritated to see a balance of {$29.00} because I pay the card in full every month and knew I should not have a balance. I reviewed my online account and learned that amount was for " late fees '' and " interest. '' I called and was told my payment was processed after the cutoff time for payments so it posted the next day and therefore I was assessed the fees and interest. On the day I received the statement, XXXX XXXX, I made an online payment in the amount of {$29.00} to pay the late fees and interest in full. I contacted customer service and asked that my account be closed immediately. I received an email confirmation that " per your request, I have closed your account. Your current balance is {$0.00} ... '' Today I received a statement saying I owe a " minimum charge fee '' and that a " monthly billing statement will be sent until the balance is paid in full. '' I do not find in my disclosures any reference to a minimum charge fee. How can such a fee be charged on a closed account? Customer service states this is a normal fee assessed for producing a statement. How can additional charges be assessed after a company confirms in writing that your account is paid in full and closed? I have attached a copy of the statement in question as well as the email from the credit card company confirming the account was previously closed with a XXXX balance prior to the statement being produced. It is my desire for this account to be closed, for the subsequent fees after my closure request/confirmation be removed and to receive no further information from this company ever. Can you assist with that? Thank you so much for your time.
Product: Money transfer, virtual currency, or money service

XX/XX/year> The amount of {$3500.00} was sent to my account and I woke up a day later everything was gone. I was told that I sent the money out and there is nothing they can do about it. Wells Fargo ended up closing my account claiming to be a fraud issue and I never understood any of it. That day I received a call form Wells Fargo saying they was calling to protect my account and I ended up loosing everything
Product: Credit reporting or other personal consumer reports

I saw unauthorized inquiries on my credit report today, and I dont know where they came from. I regularly check my report, but this time, there were unexpected discrepancies. I refreshed my browser thinking it was a glitch, but the inquiries are still there. I need the documents I've sent to be thoroughly reviewed so I can finally put this matter behind me.
Product: Debt collection

Remove the fraudulent XXXX XXXX account with account # XXXX immediately, acknowledged as identity theft by the company. Failure to act promptly violates federal laws, impacting my well-being, and I demand immediate compliance for an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

When I received my account statement for XX/XX/year>, I expected it to reflect the zero balance that I had. Instead, there were several unauthorized charges for several XXXX  rides that had occurred in XXXX. My card has always been in my possession and I did not authorize anyone to use it for any reason. 

I immediately called the card company to make them aware of the problem and to dispute them. While I was on the phone with their representative, he viewed my account and made me aware that there were some additional charges for XXXX  rides that occurred after the date of my current statement. 

He said that he would cancel my current account and reestablish another one for my protection. He also stated that their fraud department would investigate the charges and that they would make me aware of the outcome. A few later, I received an email from them that said that it was determined that I was not responsible for the charges and that all of them would be credited to my account.. 

When the next statement came, it contained account transfers and adjustments that were confusing to me because they were not completely offsetting, and that I still owed a high balance. Per the written dispute policy that's written on the back of their statement, on XX/XX/year> I mailed them a letter that disputed the charges and asked that they review them and send me a clarified statement of what I am being charged for. 

After I did not hear from them, I sent another letter, by certified mail ( of which I have the signed return receipt ) and again asked them for a clear explanation of the charges and for their help in resolving the problem. To date, I still have not heard from them. Their written policy is to respond within 60 days. 

Their failure to respond to my requests has resulted in numerous other interest and past due fees being added to my account. Even though my account is in dispute with them, they have now reported it as 30 days past due. The has created an adverse effect on my credit rating, which has dropped by over XXXX points. In addition, they have increased my annual interest rate to 34.99 %. The credit limit on my account has also been reduced. My credit monitoring service is sending me notifications that I have been reported as being delinquent and it is likely that my other creditor may take notice of my reduced standing with them. 

I recently went online and downloaded all of the information that was on my account and created a balance sheet in order to try to understand the various adjustments and what they are indicating that I owe for. It turns out that the problem it that they never credited my account for two of the unauthorized XXXX  charges. Both occurred on XX/XX/year>. The XXXX was for {$51.00} and the second was for {$31.00}. The vast majority of the other current charges are for late fees and interest charges that were added because they had failed to credit my account. In reality, my current account should have a credit balance when all of these charges are corrected.
Product: Checking or savings account

I have a checking account in TD Bank ( XXXX ). I tried to close it. They said I'd need to visit a branch. But I'm not in the XXXX XXXX XXXX XXXX. I asked the XXXX XXXX XXXX for help. Then, they closed it once. 
But when they sent me the balance in a check, as the balance became {$0.00}, they charged the penalty for the minimum balance ( below {$100.00} ). I complaint. Then, they refunded it. But then again, they put it in my account that had been closed. This means that they reopened my account, and they'll keep penalizing for the minimum balance every month. This is ridiculous. I asked them to close the account completely and to send the refund in a check by mail, not in my closed account. They said they can't and asked me to visit a branch, which I can't.
Product: Credit card

Complaint XXXX regarding my Capital One Earned Benefits was previously submitted and ignored by Capital One. Instead, Capital One responded to a separate issue filed with the XXXX that they refused to approve my agent 's valid POA despite all original and additional subsequent roadblock requirements being met. The additional " requirement '' of my agent 's drivers license was provided through the XXXX 

My CFPB complaint is : Because of a documented medical issue, I began having issues paying my Capital One Credit card bills on time and in full in XXXX. By XX/XX/XXXX I had almost maxed out both of his cards and had stopped payments. My legal financial agent, discovered the issue in XX/XX/XXXX and he contacted Capital One explaining the situation. We chose to liquidate my assets to pay off the debt in full instead of trying to negotiate a settlement for less. By XX/XX/XXXX, all of my credit card debts were paid in full which included thousands of dollars in fees and interest that had been accumulated at rates above XXXX %. I have earned over XXXX of Capital One benefit points which was the purpose of using that annual fee-based card. My points can be monetized for at least XXXX cents/pt or {$3600.00}. My online account and monthly statements continue to clearly show that I earned and have those benefits, Capital has expressed their intention take that benefit from me and have provided no reasonable justification. They simply state we cant do that. My agent spoke to Capital One agents on several occasions and searched the company website but can find no documentation or justification for forcing a forfeiture of my benefits especially considering the good faith efforts made to pay my debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ;