23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear PRA ; ( PORTFOLIO RECOVERY XXXX {$380.00} - - - PORTFOLIO RECOVERY XXXX {$520.00} - - - ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. 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 card or prepaid card

I had a credit balance from XXXX XXXX because they canceled flight without notice. I had a credit balance {$790.00} for around 5 months. In XXXX Bank of America did a False Charge for my Credit and wiped out the Credit to {$0.00} Balance. This amounts to STEALING my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX and XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 an account without my written instructions
Product: Checking or savings account

I got a call from a number and they said it was usaa trying to check on a certain transaction and asked for my social security and other questions to varify my account. On XX/XX/XXXX two checks were deposited to my bank account addressed to me but they were obviously fake online checks. Immediately after the money was taken out and sent via wire transfer to other accounts and names. My bank usaa said it was not fraud, it was a scam and would not cover or help insure the money stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I would use my credit card/no interest bearing to make farm purchases such as fertilizer/seed on sale. It take 2-3 days to post on my account and then within a 2 week period I pay the amount off. TransUnion for the second time this year punished me for using my credit card by lowering my score by XXXX from XXXX to XXXX resulting in receiving an higher interest rate on a pending new equipment purchase which is now on hold. Never late, pay in full early. This act is fraudulent that it punishes me with higher loan rates for wisely using my credit short term on sale items which is cost effective. 
In the past XX/XX/XXXX I filed with the XXXX and TransUnion reversed and added to my score? Same fraudulent act being conducted. Including incorrect credit history period. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and trans union causing damage to my credit score making it even harder to provide for my family it's been very stressful.
Product: Credit reporting or other personal consumer reports

These Inquiry were unauthorled and I am a XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is unbelievable. I already did this earlier in the year for both of these companies! 

XXXX XXXX continues to send a false collection to agencies seeking payment. 

They appear to have a fraudulent system in place to automatically start phone services on devices purchased from their website. 

In XX/XX/XXXX, I purchased a phone from XXXX XXXX. The device was returned, services were not activated, and credit for the purchase of the device was issued. An online account was never created, despite customer service representatives trying to force this in order for me to accept whatever terms, conditions and privacy policies they had. I refused. 

XXXX started the phone service for the device automatically and continued charging an account I did not create or authorize. This happened for months. I contacted XXXX and after hours of being transferred around, I was told the account would be closed and a credit issued. 

This did not happen. They continued billing this false account for a phone service never activated. Attempts to reach the XXXX billing department were useless. They would not answer calls being transferred to them. 

Then I received a debt collection with an amount even greater than when I was told the " false '' account would be closed and credited. More attempts to resolve with XXXX were a nightmare. The credit agency wanted proof and refused to investigate. XXXX was claiming they could not do anything now because the account was handed over to collection. 

After hours of being transferred from one team or supervisor to the next, eventually, a representative investigated and confirmed ( again ) that the device was returned, and services were not activated. Apparently there are notes when this was supposed to happen the first time I was told the account would be closed and credited, but it never happened. XXXX again told me the account would be credited and closed. She also sent me an email stating this, which I then forwarded to the first debt collector, XXXX. 

Now XXXX has sent the collection to another credit collection agency, CBE Group, again. They were the first group trying to make a collection. This is now the 3rd collection attempt between two different collection agencies being used to transfer a false debt back and forth! I filed a complaint here on XX/XX/XXXX which clearly has been ignored by XXXX and the debt collectors. 

This is full on harassment and fraud from the start. XXXX appears to have a system in place that automatically begins services that a customer did not authorize, simply based on a web purchase. Attempts to resolve are nearly impossible and now they are using debt collectors to send a false collection from one collector to another. 

I have lost many hours and days of my life chasing this issue which is going nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

W

hen I mailed in a request for my credit file to be unfrozen, and a separate request for my credit record, I received a response that my SSN had been updated as the resolution to a dispute. I had not submitted any sort of dispute. I set up an account at my.equifax.com - despite the horrendous terms of service/legal agreement - for the sake of trying to fix this. My credit record is currently unfrozen according to my account at my.equifax.com - however, the " dispute '' form shows that I have a " Legislative Security Freeze '' on my account. As a result, I can not refinance my mortgage ( banks/mortgage specialists say that a soft pull shows my account is still frozen with Equifax ).
When I called to attempt to fix this, at on the first couple attempts I was told that my account is unfrozen and the banks must be wrong. Then I was able to call someone who said they could see the legislative freeze,  but that their attempts to fix it failed because the " system was updating '' and I need to call back later. I've called since then, but I'm told that I failed verification and that I can not get any help over the phone.
Product: Payday loan

I applied for and got a loan for XXXX dollars. I was going to pay off the balance with my next social security check as they said I could pay off the loan early. When they finally posted the loan on their website and the early payoff amount, I discovered that to pay off the loan after 30 days I would owe XXXX. I 'm XXXX and XXXX is my only income. I ca n't afford XXXX dollar payments for the next 6 months. I expected to pay a reasonable amount of interest after 30 days, not almost XXXX dollars! What can I do? My first payment is due XX/XX/XXXX.
Product: Mortgage

Enrolled in forbearance program in XX/XX/XXXX, which was extended until XX/XX/XXXX. Since that time I have made payments early, and have been working with the company ( Homestar ) to submit a partial claim, which they offered as an option. This is supposed to move the past-due payments to the end of the loan. 

I was provided documents, which I signed on XX/XX/XXXX. The documents were also reviewed and signed by a VP at Homestar on XX/XX/XXXX. After those were submitted, nothing happened. My account still shows a past-due balance for the payments during the forbearance period. I can not make payments online and it shows that I am 5 months behind on my mortgage. The company told me in late XXXX that there were other documents I needed to sign ; they never sent those documents. 

Since that time, I have spoken to over 20 people. Dates of the calls are listed below ( I started keeping track after calling 2-3x a week for several weeks ). Each time I would speak to a different representative, who kept telling me the same thing - " the documents will be sent out, you should receive them via email in 2-3 business days. '' I receive emails from the company regularly regarding my mortgage payment and I monitored my spam folder, never receiving the email. 

Finally, on XX/XX/XXXX, they sent the documents that " we are waiting on to execute the partial claim. '' The documents they emailed were the SAME documents that I had signed on XX/XX/XXXX, complete with my signature, my father ( co-signer ), and the VP of Homestar. 

I have spent countless hours on the phone with them, speaking to multiple people, being told the same story. I am just trying to get them to do their job. It was a forbearance option they offered, and I have done my part. I am still waiting on the claim to be processed and my account be brought up to date. I call each month and make a mortgage payment via phone, as I can not manage my account online due to the pending claim. 

Calls I've recorded include : XXXX - talked to XXXX, said a manager would call to discuss my issue and that she had " personally '' sent the manager an email - call was never returned XX/XX/XXXX - spoke with XXXX, said the docs would be coming XX/XX/XXXX - tried to call and inform her that I had not received the documents, the extension she provided went to a call center. Had them forward me to her voicemail, left a voicemail, she never returned my call XX/XX/XXXX - spoke with XXXX, said docs would be sent out, never received XXXX - XXXX on customer ally team said email was being drafted and would be sent out in 24-48 hours XXXX - Received a copy of the same documents I had signed on XX/XX/XXXX via email, saying that I needed to sign and return ... signatures already present on those documents, from me, father, and Homestar VP XXXX - Spoke to XXXX, he was perplexed as to why the claim had not been executed yet. He initiated a " task '' and said that it would be brought up to date in the next few days XX/XX/XXXX - Received call from Homestar to tell me that they were again " reviewing documents ''
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA   XXXX XX/XX/XXXX Fraud Department 800 Loan Department I am writing to dispute the following information that your company provided to credit bureaus.

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Nissan have the credit inquiries ( s )  removed from all of my credit reports. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I closed out an account with XXXX in the amount of {$12000.00} via cashier 's check. I went to BBVA in XXXX, TX to make the deposit. I was provided with a Funds Availability Notice stating there was a hold for the following reason : Next Day Item ( s ) Over {$5000.00}. The hold amount was for {$7200.00} and would be made available on XX/XX/19. 

I checked my account today, XX/XX/19, and noticed my funds were still on hold. I called BBVA at XXXX and was talking to representative XXXX. He told me on his system he showed a date of XX/XX/19. I stated I had paper proof that my funds would be available today. He suggested we contact the branch I made the deposit at to verify the information. The branch representative told me that they made a mistake in the hold process and redid the hold. They told me they sent me a letter stating this, but I have not received the letter. That was over 7 days ago and I should have received some correspondence about their error. He told me that the funds will be available XX/XX/19. 

I have had issues with BBVA since I have opened an account with them. I have had purchases declined, a XXXX  debit card error, and now I have over {$7000.00} being withheld from me.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX any permission or permissible purpose to share my information with a 3rd party company like the CRA 's. I have a right to privacy according to 15 USC 1681, 1692, and 6801. My private information such as my personal loan information, should remain private and not shared with a non aliated 3rd party company. XXXX XXXX XXXX has shared my information and reported my private information without my consent which is classied as aggerated identify theft. I did not give this company permissible purpose to shared or report any of my information on my consumer report. As a consumer XXXX XXXX has an obligation to protect my personal non public information. Pursuant 15 USC 6802 XXXX XXXX is not obligated to report or disclose any nonpublic personal information to a 2rd party company that has no aliation with XXXX XXXX unless they provides me a notice that complies with section 6803 of this law/ I have never received any notice from them.
Product: Debt collection

1 ) Date of service : XX/XX/2018 A XXXX XXXX XXXX XXXX ( XXXX  XXXX ) was done before XXXX XXXX XXXX for my son. Most doctors give a courtesy discount to match the contracted rate with the insurance company if the procedure is not covered by the XXXX  insurance plan. This doctor did not give me a courtesy discount to match the insurance contracted rate and charged me the full amount of {$400.00} instead of the contracted rate of {$220.00}. Was the XXXX XXXX XXXX XXXX ( XXXX   XXXX ) required in the first place prior to the XXXX XXXX XXXX based on the XXXX? 

2 ) Date of service : XX/XX/18. For XXXX XXXX XXXX XXXX, it was billed as XXXX, XXXX XXXX. While the XXXX  was XXXX, I am not sure that this was the actual condition and the higher rate billed was warranted for my son 's condition. This could be a potential overcharging/overbilling that was done to the insurance company/me as it may or may not be what was required to be done. Did the condition warrant this procedure and the rate charged warrant this categorization for higher billing, rather than a regular XXXX at a lower rate? 

3 ) Date of service : XX/XX/18 : The XXXX charge has been overbilled to insurance/me. My son was already XXXX  by the time we went to visit him. This was 35 mins. after the XXXX started. So, at most I should have been billed for 45 mins. ( rounding up 35 mins. in 3 blocks of 15 mins. ), whereas what I was charged for is 60 mins. ( 4 blocks of 15 min. ). The insurance contracted rate for the 15 min. block is {$120.00}. 

4 ) Date of service : XX/XX/XXXX : This visit has been billed as a XXXX XXXX, problem focused. I was not informed that the office visit is extra. To my recollection, I have not signed any document that says that I will have to pay extra for the office visit. This office visit should have been billed as part of the XXXX  XXXX XXXX  since it was not an office visit related to new problem, but was rather a follow-up checkup visit for the doctor to see how he performed the XXXX and how it was XXXX. This visit is generally not charged by most XXXX XXXX. This was just a 3 min. follow-up visit after the XXXX XXXX to ensure everything was fine and that the doctor had performed the XXXX as required. This should not have been charged, and in any case, wasnt communicated to me. The billing comes to $ XXXX/hr., which is atrociously high. The insurance contracted amount is {$60.00}. 

5 ) Date of billing : XX/XX/XXXX. There was a charge of {$5.00} applied to the account as credit card processing fee. This wasn't informed to me before accepting a payment via credit card. The doctor 's office fought this tooth-and-nail and did not remove this charge. After debt collecting agency got involved, this charge was finally removed. 

6 ) Date of billing : XX/XX/XXXX. There was an agreement to not send the account to debt collection/credit reporting agency since a payment was going to be made after I got back from international travel. A payment plan of {$100.00} per month was set up. A charge of {$39.00} was added as collection charges - 35 % of the outstanding balance - which is again atrociously high.
Product: Mortgage

Hello : I have recently received a letter stating my loan was transferred to SPS ( and during a previous attempt to satisfy my XX/XX/XXXX payment via XXXX XXXX ). A fixed 20 year term XXXX Mortgage Loan. 
With a new loan Number within SPS of XXXX. 

My due date is the XXXX of each month and a grace period of fifteen days. 
At XXXX I contacted SPS and spoke with a representative, whom stated a payment by phone, online, and or mail will not be applied to the account until the eleventh of the month ( at the earliest ). Claiming our account information has not fully uploaded from XXXX XXXX to SPS, therefore any attempts to set up online, or a payment by phone is not an option. 
And if a payment is received, it will not be applied to the account until XX/XX/XXXX. 

Here are my concerns : We will continue to accrue daily interest, due to SPS not having the capability to upload any mortgage information, until the eleventh ( transfer date occurred on XXXX XXXX, 2016 ). 
When the representative was confronted of my concern, she responded by stating, SPS was in compliance of RESPA. 
QUESTIONS : Does the correspondence, advise the borrower of the delay to apply credit to the loan, ( I have read the correspondence and saw no verbiage )? 
Why would your system take eleven days to upload from XXXX to SPS? 
If there are system limitations, do you feel you have the opportunity to upload mortgage loan in increments? 
Is SPS in compliance of REG Z ( Are you back dating payments? ). 
What does RESPA have to do with the transfer of my loan? 

Overall, I feel this appears to be unfair and deceptive practices. 

As stated earlier, I am concerned due to SPS not having my loan information immediately after transferring the loan, I am negatively impacted with accrued interest. 
Sincerely, XXXX XXXX XXXX