23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Previously I filed a complaint, # XXXX on XX/XX/XXXX. I thought my complaint was resolved when the company Felix Patenaude sent a letter stating they will no longer contact me at ( XXXX ) XXXX to inquire about a XXXX XXXX XXXX. Today, I received another phone call from Felix Patenaude inquiring about a XXXX XXXX XXXX. I spoke with XXXX XXXX and told her again that there is no XXXX XXXX at this number. I also told her that in XX/XX/XXXX I received a letter from her company stating they would not call me after I filed a complaint with CFPB. She hung up the phone on me. I would like CFPB to penalize Felix Patenaude for violating the Fair Debt Collection Practices Act ( FDCPA ). Prior to my complaint with CFPB, I called Felix Patenaude twice to inform they not to call my phone number and informing them that I do not know nor related to the XXXX XXXX XXXX. 
I called the person that signed the letter from Felix Patenaude and this person 's extension does not work, extension XXXX. I was later transferred to XXXX XXXX said she will again put a do not call on the file. This is not my debt however they keep calling me to ask the same questions about a XXXX XXXX XXXX. 
This collection all started about 2 years ago when XXXX XXXX collection agency call me about a XXXX XXXX XXXX from XXXX, AZ. I told them there was no XXXX XXXX XXXX at this number and not to call again. The person at XXXX XXXX did not like my answers to her so she tells me, " they will get me another way ''. Six months later I receive a phone call from Felix Patenaude, again asking for XXXX XXXX XXXX. 
I explained to all the collection agencies that the XXXX ( no middle initial )  XXXX I know is my father-in-law. I passed away in XX/XX/XXXX, over 18 years ago and my father-in-law has never lived outside Hawaii. This is not his debt. 
These collection agency constantly call me and harass me about XXXX XXXX XXXX because a " XXXX '' search states some how connected to me or my husband. Both my husband and I do not know this XXXX XXXX XXXX nor have anything to do with him.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX XXXX Account 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,, states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions and crimes which antedates the report by seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of 17 data breaches which resulted in my social security being exposed as well as personal information. I've had a hard time getting Transunion to properly investigate thoroughly. I have 5 incorrect collection accounts on my report, I have 8 inquiries on my report that I have no knowledge of and I have. I also have 9 telephone numbers on my report as well. These are not only incorrect but fraudulent. I want Transunion to provide physical original copies of each account listed on my credit report. Failure to do so should result in deletion of each account.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to notify you that I was harmed by incorrect credit report details and I write to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections that are reporting is inaccurate. I would like to see these collections removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services is reporting that I owe {$430.00} to a company I know nothing about. I have not been contacted by anyone regarding this debt and requested validation. To date I have yet to receive detailed information as to what this is for.
Product: Debt collection

Consumer adjustment has not resolved this matter. They put my account in dispute status 3 months ago but never furnished any proof of the debt. I do not owe this debt to my knowledge and have also filed a ftc claim against them.
Product: Credit card or prepaid card

I contacted Paypal credit and advised that I line in the state of New York and that I wanted to defer payments and see if they can assist with crediting the interest. The associate stated that the account is with a consolidated debt service and that she can not assist. I requested a supervisor ( XXXX ID # XXXX ) and she stated : " That she can't mess with this account '' I stated I did not want her to " mess '' but to help with a deferment or crediting interest. She did not assist and I would like some action taken in regards to deferring payments or crediting some interest charges.
Product: Student loan

I have been reading further into Equitable Acceptance and XXXX XXXX. I've heard they are a scam and I want to know how I can get out of paying them money each month for dealing with my loans. Any information would be helpful. Thank-You in advance.
Product: Debt collection

I was being charged {$2000.00} a year for auto insurance with XXXX XXXX which is outrageous. They raised my premium due to an accident that was clearly not my fault. 
So, I found a policy with identical coverage for {$1100.00} a year and the new insurance company started on XX/XX/XXXX. My insurance with XXXX was paid to XX/XX/XXXX. 
I DID NOT authorize XXXX to continue my coverage and it should have been cancelled for non-payment and instead, they chose to continue my insurance WITHOUT my authorization as I just found out over this last weekend by receiving a notice from a COLLECTION Company! This is WRONG WRONG WRONG. 
All 3 of my credit scores are VERY HIGH and I have worked very hard for that. This is injuring my credit history and XXXX XXXX ( Who is the Insurance Broker ) need to correct this and have it removed from my credit history.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2019 ( all 3 Bureaus ) I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

I previously filed a complaint on XXXX XXXX, 2014, # XXXX. This complaint was against XXXX XXXX regarding a XXXX cell phone bill. that complaint was resolved and closed as they could not verify the debt nor provide me a signed contract showing I owed this money. XXXX has now assigned this debt to another collection agency Diversified Collections out of XXXX Florida. 

This complaint is leveled at both XXXX and this additional collection agency. Please make them stop violating federal collection laws, I have been through this process previously and do not feel I should be made to go through this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

You stated that your Values Are to be Full Transparency Honesty and integrity are key staples at XXXX XXXX We're dedicated to protecting our clients ' image and brand Positive Collections We treat each client with dignity and respect! 

However, as a consumer you are not being Transparent, honest nor showing Integrity when it comes to my privacy. While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX Texas XXXX XXXX, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
Product: Debt collection

I think this website is unfair to consumer that are victims of identity theft. I have a police report and know the person that stole my identity and still no one is listening. 
I have provided an affidavit, FTC report, and numerous other things to prove this is not my account. Even with a police report i just keep getting generic responses from the debt collector. Please someone help. I will not stop until this is removed. They are illegally reporting this item to my credit.
Product: Checking or savings account

On XX/XX/2023, I received a fraud alert from Huntington Bank that someone had transferred a substantial amount to XXXX from my account. Within minutes I contacted Huntington that it was indeed fraud and this had just happened less than 1 month prior on XX/XX/XXXX. It has now been over 1 week and the money is still gone from my account. Why would the bank allow the transaction to go through if it was almost immediately reported by fraud? I have had a negative balance for over a week now and they are doing nothing to resolve it. I cant buy food for my XXXX XXXX XXXX son and I, cant pay my bills, or buy gas to get to work. They were able to mail me a new debit card but cant put back my funds which I have more than enough to cover the items I now cant pay for. My son has no food and my gas tank is almost empty, so Im doubtful Ill be able to get to work next week.
Product: Credit card

I want to remove XXXX recognized inquiries from my accounXXXX XXXX XXXXXX/XX/XXXX transuion. XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX I dont reconocieron this inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 



we've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR XXXX. Equifax has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 Equifax Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. Equifax has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.
Product: Credit card or prepaid card

Capital One denied by consumer transaction. I was not given any information per the denial of my consumer transaction. XXXX XXXX XXXX XXXX XXXX 15 USC 1611
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent and incorrect credit card balances on my credit report. I had a block placed due to fraud and incorrect balances with XXXX XXXX, XXXX XXXX. 

XXXXXXXX XXXX is a fraudulent account on all three bureaus collecting for XXXX. I was incarcerated at the time of that account. 

XXXX XXXX is reporting a incorrect balance and have not responded to my request to correct or remove after receiving a check from the XXXX XXXX the balance is {$1500.00} more than the true balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Payday loan, title loan, personal loan, or advance loan

HELOC ending in XXXX U.S. bank stole my money! Without much explanation, they just decided to charge my account {$580.00}, and dont want to refund me. I have spent hours and hours of my time trying to resolve U.S. bank problems and no one even paid me for that time either..

US Bank perceived my homeowners insurance auto-renewal and as a insurance gap and decided to purchase insurance for me for that period of time. On XX/XX/XXXXXXXX XXXX XXXX XXXX my homeowners insurance policy was set to auto-renew, my credit card was on auto-pay, but the card expired and it failed to charge on XX/XX/XXXXXXXX XXXX XXXX got ahold of me and we fixed the issue I gave them a good credit card and my policy was RE-INSTATED by XXXX with coverage from XX/XX/XXXX to XX/XX/XXXX, which is the original coverage period so there was NO gap! Well US Bank still somehow perceived and claimed an insurance gap from XX/XX/XXXX XX/XX/XXXX due to that erroneous cancelation on XX/XX/XXXX, but that policy got RE-INSTATED so there was NO GAP! 
Every time I called US Bank it was a new agent that had no idea about the progress or what was already done on issue. They mailed letters were off topic and not reflecting our prior conversations. I have done everything they have asked for : uploaded both polices in XXXX and around XX/XX/XXXX that showed NO gap to website provided in their letters. They have received that evidence and proof, however, completely failed to respond. From XXXX I have learned that U.S Bank reached out to them and that XXXX confirmed that cancelation was erroneous and there was NO gap, they also provided U.S. Bank proof in email that they wanted. Still, without any feedback, bank charged my account. U.S. Bank does not care about evidence policy documents provided nor XXXX validation. 
This is a scam. There was no gap. U.S. Bank got all the proof they have asked for. I need {$600.00} refunded ASAP.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$67.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$5100.00} ;XX/XX/XXXXBalance Owed : {$25000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were unfairly reported as delinquent on our mortgage in XX/XX/XXXX. The delinquent payment was a result of technical issues with Shellpoint 's automated payment systems. Finally on XX/XX/XXXX, Shellpoint sent an apology letter to us acknowledging the technical glitches we experienced with their systems and stating that they would send an XXXX XXXX XXXX form ( AUD ) to the credit bureaus altering the report for XX/XX/XXXX from Delinquent to " No Data. '' Shellpoint had instructed us that we could follow up directly with the credit bureaus to ensure the AUD was accounted for. This information can be seen on XXXX XXXX of the attached apology letter sent to us. Around XX/XX/XXXX, XXXX days after the date of Shellpoint 's apology letter, I followed up directly with all the credit bureaus as instructed by Shellpoint and all the credit bureaus had in fact received and processed the AUD from Shellpoint as promised and all our credit reports were at that time reporting as " No Data '' for XX/XX/XXXX as expected. 

I thought this was the end of this saga, but at the end of XX/XX/XXXX, I noticed once again that all the credit bureaus were again reflecting XX/XX/XXXX as delinquent. I inquired with XXXX and was told that Shellpoint sent another update again reporting XX/XX/XXXX as delinquent AFTER the AUD in XXXX and this is why my credit report was once again showing the delinquency. It serves no purpose for me to follow up with the credit bureaus yet again about this if Shellpoint is going to come behind me each time and again report us delinquent for XX/XX/XXXX once the credit bureaus have already processed any AUD. 

I am offended that an apology and update was sent out to us by Shellpoint and yet once again I am back to square XXXX many months after the problem originally arose in XX/XX/XXXX. It is now XX/XX/XXXX and I'm back to the drawing board!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, I fully paid off a debt that had been transferred to a collection agency by XXXX XXXX XXXXXXXX. It is important to note that the debt was sold to the collection agency without my consent, which I believe is a violation of my rights as a consumer. After paying off the debt in full, the collection agency assured me that the charge-off status would be removed from my credit report with all three major credit bureaus ( Experian, XXXX, and XXXX ) XXXX 

However, despite their promise, the charge-off remains on my credit reports, negatively affecting my credit score. I have contacted the collection agency and the credit bureaus multiple times since then to have the charge-off removed, but no action has been taken to correct this inaccurate information. 

The original creditor was XXXX XXXX XXXXXXXX, but they transferred the debt to a collection agency without notifying or obtaining my consent. I have attached proof of payment and correspondence with the collection agency confirming the debt was paid in full. Despite the debt being settled, the charge-off remains on my credit report, and I am requesting that it be removed immediately as it is causing unnecessary harm to my credit profile. 

*Dates Involved : * - Date of full payment : XX/XX/2022 - Date when the charge-off was supposed to be removed : immediately paid *Actions Taken by Companies : * - The collection agency promised to remove the charge-off but failed to do so. 
- I have contacted Experian, XXXX, and XXXX regarding this issue, but they have not removed the incorrect information from my credit report. 

*Relevant Consumer Protection Law : * Under the *Fair Debt Collection Practices Act ( FDCPA ) *, consumers are protected from unfair debt collection practices, including the unauthorized sale of debt. The sale of my debt to a collection agency without my consent could be a violation of this federal law, particularly if I was not properly notified. I request that the charge-off be removed from my credit reports with Experian, XXXX, and XXXX as soon as possible, and that my rights as a consumer be fully respected.