23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XXXX XXXX, XXXX from Monterey Collections ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Account No : XXXX ), stating that I owed {$2400.00} for laboratory work performed by XXXX XXXX XXXX , XXXX. 

My physician, XXXX XXXX, XXXX, who has been my doctor since XX/XX/XXXX, recommended this lab because of the broader range of testing they perform. 
I informed XXXX XXXX that my insurance plan requires that I utilize lab services at XXXX XXXX XXXX XXXX for coverage. He assured me I would not be responsible for any charges even if my insurance did not cover these services. He had previously explained this in similar fashion to my husband who used these services. Our insurance may a partial payment and the lab wrote-off the balance, as was stated to him by XXXX XXXX and the laboratory on the day of the blood draw. 

When I reported to the lab 's local draw-site I restated my concerns of coverage before any XXXX and was reassured that I was not responsible for any charges, and that I would not be billed. XXXX is part of my XXXX and is covered by insurance. The collection date was XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX, received the above noted letter from Monterey Collections and I immediately called them with the previously stated explanation. The representative made the statement that the doctor sent me there because he receives a kickback from the lab ( her statement, not mine ) and regardless, I still owe {$2400.00}. She also stated that the sales reps lie and asked if I had the statements in writing, which I do not. I was told by my doctor that the lab takes what insurance pays and there is no further charge. I had no reason to believe my physician was not being truthful. I am quite sure he was told by this laboratory that this was their policy. I went to this lab in good faith, and furthermore, I checked with them again on their policy at that time and I was told the same information. If there was a policy change, it should have been posted at the laboratory draw center and I should have been informed at that time. 

In my opinion, I believe I am a victim of fraud. Fraud in health care is defined as an " intentional act '' of deception or misrepresentation. I very clearly stated my concerns regarding using this lab and was reassured that I would not be responsible for any charges. Furthermore, I never received any bill for this service until now, 16 months later, and that bill is from Monterey Collections. I have additional concerns that my credit rating will be tarnished and this may affect my ability to transact business in the future. I am extremely concerned my good name has been potentially damaged. 

Please investigate XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Attached is the letter I received from the Collection Agency. 

I believe there are many other victims of this laboratory 's deception. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

Had car for one month, was totaled out with insurance company. 
Should not be paying all the interest on the car when they were paid what the car was worth, for only a 30 day period. 
Asked the credit bureaus to remove, Chrysler Capital did not respond to my inquiries for at least a year, when they did respond they send me a COPY of our agreement that was no where close to what they were actually still charging me for the car loan. Car was paid off through insurance. Then Chrysler Capital went as far as to put a fraud alert on my account and send me a form to fill out for identity theft because I kept asking for the original copy of our contract. Not ethical!
Product: Checking or savings account

On XXXX XXXX I discovered XXXX was not on my XXXX  account A family member opened a account without my knowledge and my taxes was switched by the close family member that helped me file and I was able to close the first fraudulent account and open new one and still can't access my funds I went to a branch in person and my id is expired so I was told I'm not who I am and I'm awaiting for my valid id in the mail any day... It's very stressful I call the bank every day and they managed to switch my address to theres and my phone number is also changed to theres I need help several thousand dollars was took
Product: Credit card or prepaid card

I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other stuff they send. I don't want them. I have even opted out with the credit bureaus even to my email I should not be getting this nonsense -- so you should NOT be sending me anything offering anything extra email or regular mail. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.
Product: Checking or savings account

Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. 

It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON  XXXX   XXXX ,   XXXX  , I SUBMITTED A DISPUTE FOR EXPERIAN TO CONDUCT AN INVESTIGATION OF INACCURATE ITEMS ON MY CREDIT REPORT. THEY PARTIALLY RESPONDED ON  XXXX   XXXX ,   XXXX  . WHICH IS WELL PAST THE ALLOWED TIME TO INVESTIGATE MY DISPUTED INFORMATION I SUBMITTED. THEY DID NOT CONDUCT A THOROUGH INVESTIGATION NOR DID THEY PROPERLY SHOW ME A METHOD OF INVESTIGATION WITH PHYSICAL EVIDENCE. THEY JUST RESPONDED WITH WHAT SEEMS A COPY AND PASTED ANSWER WITH THE WORDS FCRA BUT NO ACTUAL TANGIBLE EVIDENCE THAT WHAT THEY ARE SAYING IS TRUE.     IN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . THE PLAINTIFF SUED THE COLLECTION AGENCY FOR FAILING TO CONDUCT A REASONABLE INVESTIGATION INTO HER DISPUTE REGARDING ITS ACCOUNTS ON HER CREDIT REPORT. EXPERIAN IN THIS CASE HAS CONDUCTED NO SUCH INVESTIGATION.   UNDER THE FCRA CONSUMER REPORTING AGENCIES BEAR GRAVE RESPONSIBILITIES TO ENSURE THE ACCURACY OF THE ACCOUNTS THEY REPORT ON AND THEIR RESPONSIBILITY MUST CONSIST OF SOMETHING MORE THAN JUST SAYING IT WAS INVESTIGATED. THERE IS NO PROOF OF ANY REASONABLE INVESTIGATION BECAUSE THE ACCOUNTS REMAIN INACCURATE AS STATED PREVIOUSLY. THIS IS A LAST GOODWILL ATTEMPT TO REMEDY MY SITUATION BEFORE I PROCEED LIKE THE PLAINTIFF IN THE CASE ABOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name 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 1

5 U.S.C 1681 section 602 A. States I have 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.

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 item of information, other than records of convictions of crime which antedates the report by more than sever 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 information is inaccurate.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX-XXXX-XXXX  advising that I was facing felony charges. Panicked, I spoke with an agent at the same number on XX/XX/XXXX who advised the charges were for check fraud for an old payday loan with ACE Cash Express that I had completely forgotten about. The agent gave me a case number stating in XXXX that I needed to call XXXX-XXXX-XXXX ( Named XXXX  XXXX   XXXX, XXXX ) immediately as legal processing was already started and the charges would be filed with the courts XX/XX/XXXX at XXXX, because ACE had filed the complaint and already received full payment from the courts, the courts would then come after me with a warrant for my arrest if I did not pay the full amount the same day. I called the given phone number and provided the case number provided - the gentleman, who identified as XXXX XXXX urged that I pay immediately to avoid criminal charges on my record, having a warrant out for my arrest, and facing 3 months of jail time, and refused to take any partial payment. I attempted to explain I had seen no documents or anything on my credit suggesting I was in collections. The balance owed during the call was for {$760.00} and the bank account I used was open when I took out the payday loan, the bank account was closed after two NSF attempts went through. Wanting to avoid felony charges or jail time, I paid the balance ; and they sent this sketchy contract via email to electronically sign. After the payment was received, they gave a disclosure that if I attempted to dispute the charges in the future, the original legal proceedings would continue, and they sent an email receipt expressing the debt was paid in full. I could not find anything about this XXXX, XXXX online except for what looked like a stock website.
Product: Debt collection

In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with XXXX. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXXGlasser & Glasser PLC XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of XXXX from Glasser and Glasser, P.L.C ( XXXX XXXX  XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified XXXX or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from Glasser and Glasser regarding the same debt from XXXX, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XXXX, XXXX, XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed XXXX ( Glasser and Glasser ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from XXXX ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to Attorneys Glasser and Glasser PLC ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
Product: Debt collection

I am filing this complaint against [ Debt Collectors Name ] for failure to provide essential account-level documentation regarding an account they are attempting to collect from me. I have requested this documentation to verify the accuracy and legitimacy of the account, but they have not provided the requested information. I believe this lack of transparency violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Information Not Provided : I have requested from [ Debt Collectors Name ] the following key account details to confirm the accuracy of the debt they claim I owe : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to the current debt collector XXXX. Missing Account History and Payment Records : I have also requested details regarding the payment history and charge-off status, specifically : Date of first delinquency on the account Date and amount of the last payment made Current balance on the account, including a breakdown of fees, interest, or additional charges applied Date the account was charged off by the original creditor XXXX. Communication Records with the Creditor : Lastly, I have asked for any records of communication between myself and the original creditor, including any previous disputes or resolutions. These records are necessary to ensure all reported information is accurate and compliant with consumer protection laws. 

Failure to Provide Documentation as Required by FDCPA and FCRA : Despite my requests, [ Debt Collectors Name ] has not provided the documentation required to verify the debt. This failure to respond adequately not only leaves the debt unverified but also calls into question the validity of their claims.
Product: Mortgage

We pay XXXX monthly mortgage payment. We do NOT escrow. In XX/XX/XXXX Shellpoint Mortgage started to add on escrow amounts on our account? I contacted the company, and they were NOT helpful, but I eventually learned I needed to send proof of insurance with our mortgage payment. I did. Then the next month, more escrow charges until I finally got to a human who said I sent the wrong year? So, I sent XXXX. Next month same result, more erroneous escrow charges. In XXXX, I called again and got a woman on the insurance side of Shellpoint and asked her if I could send both XXXX electronically & she would stay on the line until receipt and confirm to me. She did, and said she would fix this. Next month bill even more screwed up. she did NOTHING. That was in XXXX!!! For the next 3 months countless calls with different Shellpoint customer service people and only in XXXX when I sent XXXX & XXXX payment did we finally ( Ibelieve ) sort this out & fixed this. I asked them to remove finance charge / late fee / penalty from our final invoice & they said we needed to send to Loan servicing dept. which we did. NOTHING! NO RESPONSE. And, now I see our credit score which is always perfect, has been tarnished by these unscrouplous Shellpoint people. They have all his in their phone records. Horrible service.
Product: Credit reporting or other personal consumer reports

Let this letter serve as formal notice that you have failed to respond to my dispute letter. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FT. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. To recap it all for you the following needs to be corrected : DEPT OF EDUCATIONXXXX XXXX XXXX is the only bureau reporting this inaccurate information. How is this possible when all data furnished should be the same?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

.

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrected : XXXX XXXX Balance : {$8.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$51000.00}, XXXX XXXX XXXX XXXX Balance : {$5700.00}, XXXX XXXXXXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to each of the credit bureaus asking for verification on items that are reported differently for each of the 3 bureaus. On XX/XX/2022, I mailed a letter to each of the credit bureaus asking that they provide a number of details about each item that was challenged. No response has been received and the items that I requested proof of validation on have not been confirmed. 

I am kindly asking for help with resolving this matter as it has been much longer than the 45 days and I still have not received a response. 

In accordance with the Fair Credit Reporting Act, the following XXXX  Accounts have violated my rights : Account Name 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 15 U.S.C 1681 section 602A. It states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX in the amount of {$7900.00} has violated my rights posted by the Credit Bureaus on or around XX/XX/2020. 

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 ''.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX in XX/XX/XXXX ( 3yr term ). In XX/XX/XXXX I terminated the lease under the Dieselgate class action settlement. As a requirement of lease termination I settled all prior and future liabilities with VW. 

On XX/XX/XXXX, I received a bill from VW Credit indicating I owe {$140.00} in excise tax. The letter is undated, but includes the threat that I will be reported to credit bureaus if I do not respond within 30 days. 

I will be following up with Volkswagen directly, but given the situation, I believe this to be fraud. There is no way that the company could be unaware of my decision to surrender the vehicle in XX/XX/XXXX. I am reporting to CFPB in case other defrauded ex-customers are receiving similar notices.
Product: Credit card

Dear XXXX When I was purchasing items at TJ Maxx store back in XXXX XXXX, I opened the account for TJX Rewards Platinum Mastercard, which is a part of Synchrony bank. And few weeks later I returned some items for refund. I had a credit of {$170.00} in my TJX Reward Master card account. In XXXX XXXX I received a check of {$170.00} and I deposited it to my XXXX XXXX XXXX Account but the check was returned. As of XXXX XXXX my TJX Reward Mastercard statement balance is {$0.00} and I still have not received my money back.I have all the documents regarding this matter. I talked to TJX customer service manager many times in last 12 months. I faxed all the documents regarding the returned check. But only answers I received was that they were investigating this matter. They were investigating this for more than 10 months. Finally last XXXX XXXX when I spoke to XXXX of their customer service manager again, she said this matter was resolved and they will mail my check within 15 days.It has been more than 2 month past and I still have not received my check.It feels like they just do n't want to pay me Can you please advise me what process I can take to get my refund. It has been more than 12 month since this happened. 

Sincerely Yours