23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was sent an email saying that my new credit card was coming in the mail. I didn't apply for any credit cards. I don't have any accounts with Bank of America. I went to a branch in NY since I was on vacation when this all happened and the branch told me they have no record of me having an account or apply for a card. So I dropped it. However a few weeks go by and on all of my credit reports is the new Bank of America card ending in XXXX opened on XX/XX/22 for a {$16000.00} credit. Again I DIDN'T apply. I called Bank of America and they told me that I had no accounts. I called a different day and got someone to tell me that there is an application in my name but wouldn't tell me anything else. I am writing here because I put in disputes with all the credit reports and BoA said that they will not take it off my credit since all the information is correct. If the information was different then it wouldn't be called XXXX. I have not been able to get BoA to give me a letter saying that I'm not responsible for the charges, close the account, & remove it from all credit sites. I also want to know where the card was shipped and everything so I know for my records if this happens again. I need this account closed and not on my report but again BoA says it is correct even though I said it was fraud and went in person and they told me I didn't have an account. I'm at my wits end. I have filed a police report. I filed disputes with XXXX, XXXX ( which BoA says is me & its not ) & XXXX, FTC trade, I have frozen my credit and they still think this is me. If it is not taken care of I will go to legal action. I have attached the police report, the filed disputes, FTC trade agreement, XXXX rejecting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XXXX XXXX. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact cox to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax has added fraud alerts to my credit report without my requesting it, I specifically asked them not to place fraud alert on my file. This is a violation of FCRA regulations.
Product: Debt collection

Please remove from credit account as this is hurting my chances to own a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Debt collection

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Credit reporting is 7 years from the date of first delinquency! 

My student loans first delinquency date is XX/XX/2017. 

The accounts are past the statue of limitations and needs to be deleted from my credit report immediately. This is a violation of the FCRA. 

Account : Dept of ED/Nelnet Account : Dept of ED/Nelnet Account : XXXX XXXX of XXXX
Product: Mortgage

Hello CFPB : I closed my mortgage with FBC mortgage , LLC, in XXXX, FL, loan number XXXX, back in XX/XX/2016, first payment was done on XX/XX/2016, since then I have been a good customer and have paid my mortgage in time. Today, I have another company sending me an email, yes, an email, not a formal letter, no official request, but an email stating that it is time to pay my mortgage to this new company, apparently my mortgage was sold to a " XXXX XXXX '' without being notified by either part except via email. With all the issues with identity theft, these crooks make business between them without notifying the most important link here who is the consumer, while believing an email will suffice to collect a mortgage payment. There is a binding agreement between customers and loan companies and it works both ways. As customers, we can expect a loan to be transferred/sold, but we should be notified in advance of this not via email.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of XXXX XXXX i found XXXX accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.
Product: Checking or savings account

I have paid a lot in overdraft fees and I can't afford them. Unfortunately Navy Fed allows the purchases or payments to go through and I'm sitting holding an empty bag with even more owed.
Product: Mortgage

I sustained an XXXX XXXX XXXX XXXX on XX/XX/XXXX and was not able to work for 10 weeks. I am single homeowner. In XXXX I contacted Freedom Mortgage to see if they had a hardship plan that would be able to help me since I was not sure how I would be able to pay my bills while in aXXXX XXXX XXXX and had a huge deductible to meet. Out of 3 options I decided the less invasive plan and chose to apply for the 3 month deferred ( Forbearance ) payment program. I was approved and received a letter of confirmation dated XX/XX/XXXX. I new this work affect my credit. But I was not at all prepared for the circus I was getting myself into. Fortunately, due to my financial situation I was actually able to make my mortgage payment for XX/XX/XXXX and XX/XX/XXXX. I missed my XXXX payment. I then received the same exact letter dated XX/XX/XXXX that I was approved for the 3 month deferred ( Forbearance ) payment program. This letter did not say it was an extension if wanted it or needed it. I thought the letter was sent out by mistake. I did not request additional time nor did I sign this document. I made a partial payment in XXXX and missed XXXX and XX/XX/XXXX. I have made monthly payments every month since and it has not been reported as a good standing payment. All payments show through Freedom Mortgage " funds received '' then " funds posted to suspence '' to date. I do not find this at all fair to hold all my payments and for them not to be reported causing my credit to show I am 150 days late. I phoned Freedom Mortgage and spoke with a supervisor named XXXX. She told me that " I '' should have called if I did not want an extension when I received the XXXX letter. It was not worded in a way that they would have made me think it would roll over or that I had to call. I did not give consent to continue the program and I feel it should not be enforced. When you look at the big picture my credit was immensely affected in a much more negative way then If I did not take part in this program and just let my payments just be reported as late for 3 months. Also, on the Forbearance Payment letter it states, " We will not refer your loan to foreclosure or proceed to foreclosure sale during this Forbearance Plan ''. In XX/XX/XXXX I started receiving letters regarding pursuing a short sale and then letters regarding obtaining an attorney for foreclosure proceedings. The supervisor XXXX told me that these letters go out whenever a person is in a hardship program. I then said to her that the above clause should not be in writing at all because it is deceitful and caused a overwhelming amount of stress and panic when received. I purchased my home in XXXXXXXX XXXX XXXX. My mortgage company was XXXX but they were eventually bought out by Freedom Mortgage. I have never been late with any of my previous payments. Every time I call regarding how they are not reporting my payments I get a different story as to why or no answer because they are just as confused. I am not trusting in how this has been handled since they already have a huge lawsuit against them.
Product: Debt collection

1. **TCPA Violations ( 47 U.S.C. 227 ) : ** XXXX 's claim of " pass-through consent '' must be substantiated with clear evidence that the consent was indeed granted by myself was specific to the type of communication employed. The assertion that XXXX does not use an XXXX XXXX XXXX XXXX ( XXXX ) or prerecorded messages is noted. However, I request proof of the manual dialing processes and policies that ensure compliance with the TCPA to evaluate the veracity of these claims. 

2. **FDCPA Violations ( 15 U.S.C. 1692c ) : ** The FDCPA allows for communication with third parties solely to acquire location information and only under strict conditions that do not involve disclosing the nature of the debt. While XXXX claims no statutes were violated during their contact with a third party, this interaction must still adhere to the provisions of the FDCPA regarding frequency and content of such communications. I request a copy of the recording mentioned to confirm that no inappropriate disclosures were made. 

3. **GLBA Non-Compliance ( 15 U.S.C. 1681 ) : ** Utilizing multiple numbers may not inherently constitute a violation ; however, it can be indicative of an intent to mislead or confuse the recipient, which is contrary to the spirit of consumer protection laws. I require a detailed explanation of how these practices do not constitute deceptive or misleading conduct. Regarding debt validation, while it is true that a notice is required within five days of initial contact, any communication initiated by XXXX is considered contact, and thus, a notice should have been sent. 

XXXX has placed my account in a " Cease and Desist '' status, this does not absolve the company from past alleged violations or potential statutory damages due to me. I expect a prompt and comprehensive response to the points raised herein.
Product: Debt collection

On XX/XX/2022, ( Plus Four Inc ) attempted to fraudulently collect a debt of {$63.00} that was illegally sold by actual creditor ( XXXX XXXX XXXX ). Debt was already paid to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/21 I called Portfolio Recovery Associates at XXXX as advised on their website to negotiate a settlement amount for a one time payment. I owe {$580.00}. The representative advised she was recording the call. I offered to make a one time payment of {$300.00} to settle and close the account. The representative accepted the offer. I then gave her my bank routing number and account number. She could not get the transaction to go through and asked me to repeat my banking information several times, which I did over the course of the 18 minute conversation. There is nothing wrong with my bank account so this is an error on her end. She eventually hung up on me. I called the same number back immediately and explained what happened. The new representative I spoke with said there was no record of the call or notes in the account about a {$300.00} settlement offer. She said they wouldn't have been able to offer me such a low amount anyways. She claimed there is no way for a representative to delete a call log. I am extremely concerned that I gave my banking information to one of their representatives repeatedly and they have no record of an 18 minute phone call.

Attached to this complaint is a screenshot from my cell phone showing the original call at XXXX on XX/XX/21 for 18 minutes, and then the 2nd call at XXXX on XX/XX/21 for 22 minutes.
Product: Debt collection

Had account with XXXX. Paid my bill every month. 6 months ( XXXX to XXXX ) after opening account, utility co sends bill for {$940.00}. When I called they claimed they did n't read my meter properly because they could n't get to it and this was the " back bill ''. Strange thing is, they turned my gas off due to potential leak the week prior to receiving this bill because the meter reader said the meter was acting weird which tells me they obviously had access. Meter was on side of house in front, no gates/dogs/other obstacles. When I called and explained this, the customer service rep told me ( exactly ) " well, you must have moved your fence recently ''. Instead of acknowledging their error, they accused me of basically relocating my fence lines to inhabit access and then moving them back, which due to the yard set up would have been physically impossible. Gas bills typically run approx {$60.00} a month. Not only did I pay between $ XXXX each month, they are trying to tell me my gas bill was really an extra {$150.00} a month which is n't feasible. We left at XXXX every day and came home around XXXX. Did n't run the wall heater, only used electric heaters and rarely cooked because the oven did n't work and the stove was sketchy. I spoke to neighbors ( who would have been even more difficult to reach due to the dirt road further down in winter ) who used their gas all day every day with fireplaces, heaters, ect and they all vouched for never seeing a bill over {$100.00} and that was worst case scenario. The gas company has refused from the beginning to provide any sort of proof/documentation after repeated asking. They refuse to send me back receipts of all my paid bills. There is no possible way my gas bill was anywhere near {$200.00} a month. They insist they did n't have access ( because I apparently like randomly picking up my fence and moving it around I guess ) even though they proved they did when the meter reader shut off the gas due to a glitch on the meter. As far as I am concerned, my bills were paid, I cut them a payment every month for what they billed me for, I do n't owe them a dime more. This collection account is pure fraud. They are trying to collect money not owed to them, they know it 's not owed and that 's why they ca n't provide a single shred of legitimate documentation and refuse to provide me with a full disclosure on every bill sent to me and the payments made. When a company attempts to accuse you of manipulating landscaping and bully you instead of providing the information requested, they know they are wrong. I have disputed this through the credit bureaus numerous times and have gotten nowhere. I 'm tired of seeing this fraudulent charge on my report and having to explain this ridiculousness every time I go to get a car or rent a house. This collection company has either been totally duped by XXXX or they are even more crooked then the utility company by continuing to collect on a false debt.
Product: Credit reporting or other personal consumer reports

My original loan was with XXXX XXXX XXXX starting XX/XX/XXXX. XXXX XXXX I went into XXXX  XXXX weeks early in an emergent situation. I called XXXX XXXX XXXX a few days after, informed them of what was going on & requested the payment due be put onto the back end of my loan. I was due for another emergency XXXX in the week to follow. They adhered to my request and offered me an additional 2 months deferment due to the situation. Up until this point I had NEVER had a late payment on ANY account, I always paid extra & early. XX/XX/XXXX I receive an E-mail while still in the hospital that XXXX was taking over XXXX XXXX  XXXX & instructions to make future payments. I assumed all agreements wouldn't change because i hadn't gotten any correspondence stating it had changed. I got an alert stating that I had missed a payment. I called XXXX, told them the situation and was informed that they didn't have to honor the deferment & my car would be placed up for repossession if I didn't pay the 3 payments that were deferred ( 1 wasn't even due yet ). I was unable to do that at the time and i asked if there was anything else I Could do. I was told I could make 1 full payment to avoid repossession. I did that. And continued making payments on time. Paying more each payment. XXXX XXXX  I attempted to buy a house and was informed that I had XXXX late payments being reported and was denied for a mortgage. I immediately called XXXX  to find out what was going on. Spoke with a supervisor multiple times from this point until XXXX XXXX XXXX I Went through back and forth with XXXX  being told different things each time I called. Finally XXXX XXXX XXXX  another supervisor was able to fix the situation. She stated she didn't understand why no other supervisor did that for me months prior. She assured me the late payments would be removed & no longer reported. She gave me a number to call in 30days to be sure the late payments were no longer reporting. I called in 30days & saw that they still were reporting. I've been battling this situation since XXXX. I have sustained much suffering due to the denial of multiple credit transactions that have significantly impacted mine & my childrens lives. If the original supervisor I spoke to in XXXX had done what the supervisor did in XXXX these late payments would not have incurred. I've already provided All 3 CRAs & XXXX with the bank statements that showed payments were made ON TIME for the months they are reporting late except 1. I do not feel as though iI should have to continue to suffer from a mistake made from this company and their incompetent employees. I've disputed this multiple times. Ive asked for the reinvestigation facts and have been provided nothing. The CRAs claim the account has been updated but it is the same information without change. At this point they are violating my rights as a consumer to have an accurate credit report. I have suffered significantly due to these errors.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Cc : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number ( s ) : XXXX CERTIFIED # ( XXXX XXXX XXXX XXXX XXXX ) Request for Admissions/Default for Non Response To Whom It May Concern XXXX XXXX XXXX XXXX I refer to the previous CONDITIONAL ACCEPTANCE package received on XXXX/XXXX/XXXX Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Your company did not answer my request " Point by Point '' as Required by Law.
Product: Credit reporting or other personal consumer reports

The issue centers on XXXX and several companiesXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXXproviding and maintaining inaccurate and unverifiable information on the consumer 's credit report. Despite prior disputes, these inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which mandate accuracy and thorough reinvestigation of disputed items. Additionally, these errors and inconsistencies may involve fraudulent activity, as defined by 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent or unverifiable information. This failure undermines the consumer 's creditworthiness and calls into question the accountability of both the credit bureau and the reporting entities.
Product: Checking or savings account

Chase bank restricted ( seized ) my checking account after I mobile deposited 5 checks after XXXX. I have contacted them and provided them with all of the information I have on the issuers of the checks ( my XXXX, a family friend and a Summer camp ) the only way for Chase to verify the checks is to speak with the issuers. The phone numbers I provided were not sufficient for Chase despite being the only phone numbers these issuers have. 

Ive been on hold for hours over multiple days to try and resolve. Im currently holding as I submit this. I am upset, the check issuers are upset and confused. No one has given me a reason as to why the account was restricted. Chase says it will close my account next week and keep the money until the checks are verified.