23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to file a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a  ) " The false representation of - the character, amount, or legal status of any debt. '' The last written affirmation of this debt and attempt to collect payment was made on XX/XX/XXXX by representative XXXX XXXX via USPS mail. The company also attempted to contact via phone multiple times during all hours of the day, including calling my familys landline phone without mine or their consent, with the most recent verbal contact via voicemail on XX/XX/XXXX. In early XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding an outstanding debt with XXXX XXXX Credit Card Company that occurred in XX/XX/XXXX. Communication was written form, as well as verbal communication via phone at all hours of the day and night. I was repeatedly contacted and left threatening voicemails on my cell phone advising that I owed this debt and needed to make payment arrangements with Patenaude & Felix to pay the  balance of {$3200.00}. I was also threatened by one of their representatives via an anonymous number on my cell phone at XXXX PST on XX/XX/XXXX stating I needed to be at my residence within an hour so that they could serve me paperwork to which I needed to show two forms of ID and sign. If I was not present at the address, they would view it as being non compliant and seek law enforcement officials or go to my familys house or personal contacts on file in an attempt to locate me. However, upon consulting with a credit monitoring company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was charged off and taken off my credit report in XX/XX/XXXX. According to the California State Attorney General, the statute of limitations to collect upon a debt in the state of California ( to which I reside in ) is 4 years. Upon further review of this same credit report, Experian reports that Patenaude & Felix, A.P.C unlawfully accessed my XXXX credit report in XX/XX/XXXX and in XX/XX/XXXX without my consent, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as being charged off and taken off of my credit report after the 7 year limit. Patenaude & Felix is fraudulently misrepresenting the status of the debt, in an effort to obtain payment and collect further personal and financial information. In using the internet to research this company, I found many incidents of complaints, due to unethical collection tactics, fraudulent misrepresentation, and harassing customers. I have continually rejected all of their attempts at communications with me. I have provided evidence that they have violated my consumer rights and I will consider all further communications from them and further attempts to access my credit report a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax over a month ago and ask for a full disclosure credit report I still have not receive one. I don't understand why this is taking so long. I had to freeze my account do to some activity that wasnt mine and now am trying to figure this all out and getting no help from Equifax.I need my report ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 crimes which antedates the report by more than 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: Student loan

I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has not responded to invoice and has not delete inaccurate accounts off of my credit report
Product: Checking or savings account

My account with Bank of America, ending in XXXX reflected activity every XXXX weeks of {$50.00} withdrawals. These withdrawals were from XX/XX/XXXX through XXXX of XXXX. I was able to provide screenshots of each monthly activity. This was well documented, with a total loss of {$2200.00}. I was extremely patient with Bank of America. I did not relentless pursue them. However, I did contact an attorney and a Final Demand letter was formulated and sent in XX/XX/XXXX. I received no response, however, all of my accounts were closed by Bank of America. I ended up losing much money and a few accounts were even closed, due to non- payment. I was devastated, as I had been XXXX of their valued member for over XXXX years! 
I recently sat down ( XX/XX/XXXX ) with Bank of America, for us to arrive at a resolution. Bank of America is again denying to re-open my claim, as they claim my claim is too old to do so. My only option was to again, send another Final Demand letter. This was sent Monday, the XXXX of XXXX. I have decided to pursue a claim against Bank of America to receive the {$2200.00} amount stolen from that accountThank you for your time and consideration in this matter. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}
Product: Student loan

I graduated and consolidated my loan started paying on my loan consistently starting  XXXX   XXXX . Never made a late payment.  XXXX   XXXX  -I called  Navient  to get information on the  Public Service Forgiveness Program a coworker mentioned to me the program   existed. The representative from m Navient  explained to me the stipulations, terms of the program are the following- to pay on time  120  payments and work for a non profit organization. She checked my employer  {  same employer I have had since  XXXX  }. Stated the employer meets the criteria of non profit. I asked if Navient would consider ALL my payments I have made since  XXXX   XXXX . She stated yes they would go as far back as  XXXX   XXXX  and consider those payments toward the  120 p ayment that are required. She stated to continue paying as I have. Since, I am approaching th e 120 p ayment mark I started the process to forgive the loan. I contacte d Navient fo r information  XXXX   XXXX . They directed me to Department of Education. I spoke with a representative there who directed me to get the form online. I completed the application and employer validated. I sent in the form early  XXXX   XXXX . I just received  XXXX   XXXX ,  XXXX  the denial letter with the reason being based on the type of loan. I called  Navient   XXXX   XXXX ,  XXXX  spoke wit h two  representatives who apologized for the miss communication but made no effort to come up with a resolution. I spoke with a supervisor at  Navient w ho mentioned he would file a compliant on my behalf. He stated with the compliant I  " may ''  be able to have my previous payments considered. All reprentsatives at  Navient  mentioned I would still be able to qualify by consolidation and paying for anothe r 120  payment. I spoke  XXXX   XXXX ,  XXXX  to a representative from Department of Education. She stated the full process of what needed to be done. I needed to have consolidated as a Direct Loan -she even mentioned I should have been explained the process when I consolidated but I do not recall ever being told anything. I have worked public service since  XXXX  so I would have taken the opportunity to enroll in the program right away had I know about this. Even if I was explained the process in  XXXX  I would have enrolled at that time as well. Since I was told they would consider as far back as  XXXX  I continued to pay never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you 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 is 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 XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 crimes which antedates the report by more than 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: Mortgage

This complaint is for nonpayment/not paying full amount of homeowners ' insurance from my escrow account. ClickNClose did receive my Declaration Page and Invoice for payment on my homeowners ' insurance. However, only a payment of {$120.00} was paid out of the {$890.00} due. I have spoken with XXXX of their representatives on the following dates : XX/XX/XXXX, XXXX and XX/XX/XXXX. Each stated that they would put a note in my file and send it to the Payment Department. The payment was due by XX/XX/XXXX. If payment is not received by The XXXX, then they would have to review and perhaps increase my annual insurance amount. The amount of XXXX annual amount was {$770.00}
Product: Credit reporting or other personal consumer reports

Hello, Ive noticed unauthorized inquiries on my credit report that I would like removed, and according to the FCRA, those unverified and unauthorized items must be removed I already reported the issue to the FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was making a payment on my card after a payroll issue had delayed my paycheck when I notice there was a restriction on all of my credit cards. I called to find out what was going on with my accounts. When I spoke with a specialist they informed me that my cards had been closed and when I asked why they stated that is was a banking policy of returned payments & when I stated that I didn't have that issue, they checked & confirmed that I was corrected. I also stated that this policy is nowhere in the paperwork that I received with the card, nowhere on Capital One 's website and that this was the first that I had heard of this policy nor was there any paperwork signed acknowledging this policy.
Product: Debt collection

I recieved a call from this company asking for a particular person. I then had to ask who they were with before they would tell me. I then had to ask where they were based out of and the representative got upset and was refusing to tell me until i said i had the right to ask these questions before giving any information out. At this point he said that he couldn't give me information as i didn't " verify '' i was who they wanted to speak with. I wasn't asking for a person 's information. I was asking for the companies information. He finally told me they are based out of south Carolina. I then asked for the address of the company and the phone number. At that point he said " what are you going to write me a letter? '' He also asked " who is this helping? '' He refused to give me an address and a phone number. He told me i could look it up online. At this point due to his refusal to answer valid questions before giving out any personal information i let him know I'd be disconnecting the call for refusing to answer my questions and assume they are a scam. I do record all of my calls to protect myself from shady practices, companies, and scams. I did also look up their address and found that it is the corner of an empty lot full of trees. I even did satellite view of the address. And to answer his question of who it is helping. It is helping the people who are scammed by fake companies pretending to be collections agencies. That is who this helps!
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent my account for {$240.00} to collection without notifying me they would do so. In fact, I paid {$310.00} of an initial {$550.00} balance that I negotiated down from the original {$780.00} which proves I communicated with them. I had sent a total of five payments and had the sixth check written to go out in the mail when they sent this to Hospital Collection Services whom I also contacted to say I would fight this and their response was to simply send it to collection. XXXX XXXX XXXX have failed to show proof I requested by letter and by telephone that they sent me XXXX consecutive statements of any sort of warning that I would be sent to collection. I had an array of hospital bills for this visit in 2013 and paid them all off ... .some of which were much larger. These included XXXX, XXXX XXXX, XXXX 's hospital, etc. Why would I ignore such a small bill when I paid all the other 's? Neither company was willing to work with me when I telephoned, sent letters, and after repeated phone calls explained they would leave this in collection and not accept payments.
Product: Checking or savings account

My XXXX  has an account at Chase bank and is my over seer I received and large check and do not have a bank account. He was told that there wouldnt be a problem him putting my check into his account as long as I endorse it over to him XXXX different tellers told us the same mind you he has this account for 10 years now. Chase bank cashed the check and would NOT release the funds until they could verify me through there system with my phone number they placed his account under restrictions until my phone would pass there verification coming back as me being the registered owner even though I have all documents proving this they have closed his account and will not refund the fund back holding it in XXXX Chase bank XXXX  I want my funds or I want them to wire the moneys back to the writer of the check REFUNDED
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I am an XXXX XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, Texas. I was XXXX to XXXX for XXXX months from XXXX XXXX XXXX. Before I was XXXX, I was making an automated car lease payment with XXXX for XXXX years. However, when I was XXXX overseas, my automated payments had stopped, which hurt my credit score. I discovered this news after I returned back to the U.S. and went to XXXX because I thought my lease had matured. XXXX never reached out to me during this time so I had no idea the payments were not being made. XXXX also told me that I had a repo on my account, which is hurting my credit score. However, my car was never repossessed so this is a false repossession claim that I am currently suffering from. I called XXXX XXXX several times and spoke to my local XXXX dealership but they did not help me with this situation. Instead, I was coerced into refinancing my current car with a high interest rate because I need a car for my work and to rebuild my credit. They told me I could not get a car anywhere else and no dealership would work with me because of my bad credit. Any help would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to 1st complaint ID XXXX. In the letter response sent by Flagship Credit they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my 2021 payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX
Product: Money transfer, virtual currency, or money service

Venmo money app I have been using this app for about 2 years at least, without any issues or problems. 
Recently ( XXXX ) my account was overdrawn and frozen. 
I found out, all the transactions were from a friends account that had been hacked. 
So venmo withdrew every single transaction that my friend had sent me overdrawing the account and also charging fees. Unknowingly my friends sent me money via venmo XXXX $ and later XXXX XXXX And all this money as vanished leaving my balance at XXXX!!? 
I have tried 3 times to dispute by phone but they keep telling that they can only help through email. XXXX So I have been communicating back and forth for weeks without correction of my account. Initially They said paying the overdraft of XXXX would correct my account which XXXX of my money should have fixed but not they have taken all my funds XXXX the initial overdraws XXXX. 
So at this point I am at a loss as what to do. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes to investigate account. The company keep verified the account in less than one day  and not properly investigating it. I have explain to the credit reporting company that the XXXX XXXX is paid off. They refuse to update my account to paid in full.
Product: Checking or savings account

I have been loyal customer Upgrade Rewards Checking. 
I'm very disappointed and upset that the Agent gave me wrong information regarding my mobile deposit reviewed my status funds be available by end of business. Unfortunately the information was givens incorrect and got email stated my funds won't be available within 10 days. If was told my funds be available within 10 days I have the agent voided the checked. Unfortunately it was late to voided past the deadline. Instead of getting funding as promised by the agent. I got email saying it need to be verifying to clear. I spoke with the manager regarding my concerns regarding your employee stated I was getting my funds by end business. Unfortunately it didn't happen I only got apology and it's out of there control got deposit. I try explain to manager it's the same payroll Check I direct deposit my check into my checking. I understand if I deposit for first time need 10 days. Unfortunately it's not the first time I deposit. I try to explain to manager I can't wait till 10 days to be clear. I live in the hotel and I need to make payment for my room. You telling me 10 days were am I going be staying at. All you say I'm sorry. Then your agent shouldn't telling the customer that they are getting funded. Now I have to figure were I'm going be staying at with no funds for 10 days.