23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Possible multiple violations of US Code Title 15 Fair Debt Collection Practices Act. The Company, to this day I do not fully know them as a debt collection company because they ahve never disclosed that they are a debt collection company, Overton, as per XXXX. I was called today, XX/XX/2016 from a company the individual stated my first name and made a statement that I owed XXXX money on a debt. They them immediately asked to verify my identity to continue the call, I stated that under the fair debt collection practices act if they were not 100 % sure that I was the debtor ( Alledged ) that they should not discuss any form of debt. In addition now that I think about it this may also be a Gramms Oxley violation as well, because they disclosed financial information about an individual of a federally protected financial institution as haviong an account at XXXX. I have never received a letter N1 or docket letter, no information at all verifying this company as a debt collection company and I have never received mini miranda. I would like to direct stakeholders attention to XXXX vs. XXXX as existing precedent and case law. I called back to XXXX and asked for how I could contact a compliance officer, and the individuals were all in a meeting. I asked for a supervisor so i could receive proepr N1 letter to hand over to my attorneys and according to the switchboard there was no supervisor available.
Product: Debt collection

Below is the actions taken by the company fraudulently. I've never done business with them nor do I owe any debt to past creditors, This company fraudulently reported buying a debt and report late payments LVNV FUNDING LLC Opened XXXX {$930.00} LVNV FUNDING LLC Opened XXXX {$970.00} LVNV FUNDING LLC Opened XXXX {$1500.00} LVNV Funding LLC has 4 fraudulent Accounts opened and reporting monthly to credit bureaus. I've disputed the charges with XXXX, XXXX XXXX and XXXX. However this company is still reporting. Please have this company remove these accounts
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Debt collection

For an account closed in XX/XX/2017, at service/billing address of XXXX XXXX XXXX, XXXX XXXX. Account was closed and balance was paid, and I moved to XXXX XXXX, XXXX CA XXXX. At no time did XXXX send me a bill to close the account. I was contacted by XXXX XXXX XXXX to collect the final bill of {$94.00}, which I paid over the phone immediately. Paid reference # XXXX. I have contact XXXX over 25 times to rectify this situation. My credit score has plummeted significantly and I can no longer qualify for loan or rent. Not only was this NOT my bill ( I was not living nor residing in the home at that time ), and I NEVER received a bill from XXXX prior to this charge being sent into Collection.
Product: Debt collection

Company operating as " XXXX XXXX Firm '' at XXXX XXXX called multiple relatives and associates stating I had litigation pending against my residence and they were trying to reach me. I called them back and requested proof of debt owed and information about this " law firm '' as it was clear they are a debt collection operation. The people I spoke to would not provide me anything in writing, they would not give their personal name or address. They also told me there was a court date for XXXX XXXX XXXX, 2020 which there is not. They made several threatening statements about putting me in jail, called me XXXX and many other names. 

This company is claiming to be a law firm, violating the FTC laws by contacting friends and family members, and making false statements about being sent to jail.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.
Product: Checking or savings account

On XX/XX/21 I wrote a check, in the amount of {$1100.00}, to XXXX XXXX for my Mother 's room & board at their facility. The check did process through my bank, which is Comerica Bank, until XX/XX/21. Which is also the day my mother passed. Then on XXXXthe check was cashed again and processed through my bank. This caused an overdraft on my account. I notified my bank of the error. They refunded the money back to my account, and later reversed it out of my account, causing another overdraft. I called XXXX XXXX to try and resolve this issue to no avail. They claimed the didn't cash the check twice. Mind you XXXX XXXX switched accountants during this time period. I have copies of the check that was cashed twice by them through XXXX Bank. I then went to XXXX and asked them to investigate this issue. When I contacted them, after giving ample time for an investigation, I was informed that they could not give me information regarding XXXX XXXX 's account. All I wanted was for them to let me know this check was cashed twice so that I could prove to XXXX XXXX of their error & be refunded my money. I had to close our account with Comerica Bank, because of accumulated banking fees and pay these fees. My Mother has had this account before it became Comerica. I was XXXX yrs old when she opened this joint account, am now XXXX XXXX XXXX and wanted to keep my account. 

I would appreciate any help the Consumers Finance Protection Bureau can provide in resolving this matter. 

Attached are copies of Information regarding this issue. Thank you very much, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to obtain an investment loan for my small business and the potential investor notified me that my credit report was frozen through Experian. I do not have an Experian account nor had I ever requested a credit freeze. I was also never contacted by Experian to be notified of the freeze. I was unable to use the Experian website to unfreeze my report because I do not have an account. It took two hours of calling different phone numbers and searching online before I was able to bypass the automated phone system and speak with a live human being. They were able to remove the freeze, however, I am reporting them because the freeze should never have been initialized in the first place. As said previously, I DO NOT have an Experian account and I NEVER requested a credit report freeze. This unauthorized activity nearly caused a catastrophe with my business finances.
Product: Debt collection

I owed Synchrony bank for a maxed out CareCredit account long enough that the account was charged off before I could start paying back the debt. However, I eventually did schedule regular payments. Through all of last year, I made XXXX monthly payments of {$150.00}, and XXXX payments of {$100.00}. When I checked my balance today, it had not been reduced by any amount since last years payments started. At that time, the remaining balance was approximately {$900.00}, and it still is, as though I have made no payments. When I tried to file a dispute with them, they were not available to take my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

I received a very official looking sealed letter that said final attempt and when I opened it, I was informed that I might qualify for a very low interest rate and to contact the phone number provided. So I called them approx XXXX XXXX and talked to XXXX from Core Advisory who ask me a few questions and then told me he would get back to me within 24 hours to see if I qualify. The next day he called to inform me that I qualified and that they have 100 % success rate against XXXX. That they would be able to get me into a 40 year 2 % and help me get my divorced wife off of the note. They would take either XXXX payment of {$4000.00} or XXXX payments broken up into {$2800.00} + {$1900.00}. I checked out their website and listened to many of the testimonials on that site, and was sold on their services. I agreed to have a notary come to my house on XXXX XXXX to sign paperwork explaining that they would get started right away and that it would be faster and cheaper to pay the full {$4000.00} up front. Plus a {$160.00} notary signing fee. I was told that they could stop my pending foreclosure on XXXX XXXX, within XXXX to XXXX weeks after I sign the contract. I received a call and email was ask for my XXXX account number a week later by phone, I was told by XXXX that she should be getting paperwork back from XXXX within a week. While XXXX weeks went by I found out that there is all kinds of free help online and that Core Advisory is not licensed XXXX, along with all kinds of complaints and even a judgement XXXX. Then I researched even more and found out that it is illegal to take fee to restructure or modify a loan. This prompted me to request a refund and after several requests they finally understood I did not want to be sold on using their services any longer. Then they sent me paperwork for supposedly requesting my money back but it listed a company whos registration had expired. This prompted me to file this complaint, as I can see by the wording of the document and the complaints I have read about Core Advisory group services. They are not a legitimate company and do not have the proper credentials to help me with my situation.
Product: Debt collection

I was sent a letter ( attached ) from my employer/XXXX, XXXX WAGE GARNISHMENT XXXX XXXX XXXX XXXX XXXX TX XXXX that they had received a WRIT OF GARNISHMENT FOR CASE I. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$5800.00}. The letter has my current mailing and physical address on it. THIS IS THE FIRST AND ONLY CONTACT I HAVE HAD ABOUT ANY DEBT I OWE, I HAVE NOT BEEN SERVED FROM ANY PROCESS SERVER OR COURT. I DO NOT OWE ANYONE, THERES NO SIGNATURE ON ANY TYPE OF APPLICATION OR DOCUMENTS. I DO NOT OWE ANY CREDITORS. I SEARCH COURT CASE INFORMATION IN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX WHERE I RESIDE AND FIND A HEARING THAT BY DEFAULT I RECEIVED A JUDGMENT AGAINST MYSELF WHERE ATTORNEYS XXXXXXXX XXXX  XXXX ON BEHALF OF XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX XXXX XXXX HAVE FRAUDULENTLY SERVED ME WITH THE COURT CASE INFORMATION AND THRU THIS FRAUDULENT INFORMATION PLACED A JUDGEMENT ON ME. I DID NOT RECEIVE ANY INFORMATION TO DEFEND MYSELF ON THESE FRAUDULENT CHARGES. I DO NOT OWE ANYONE MONEY. I DID NOT HAVE AN ACCOUNT WITH FIA CARD SERVICES. AND MY CREDIT REPORTS DO NOT SHOW ANY OF THIS ON MY REPORTS. BECAUSE I DONT OWE FIA CARD SERVICES ANYTHING OR HAVE I EVER APPLIED FOR OR HAD AN ACCOUNT WITH THEM. THIS GARNISHMENT AND JUDGEMENT IS COMPLETELY FRAUDULENT AND FIA CARD SERVICES AND ATTORNEYS XXXX XXXX XXXXXXXX ARE collecting money from a garnishment from a default judgment against myself that I wasn't served on and could not defend myself due to not knowing of the court case against me. I went to the garnishment court hearing date that was published online in court records and the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX stated to me there was no case that was published online for the garnishment hearing. There was a lawyer from XXXXXXXX XXXX XXXXXXXX at court and I spoke with him but he could not anwser any questions and asked me to contact the law office by phone. I feel I should have representation to contact these lawyers after the business practices they have proceeded against me leading to my now predicament of being forced to pay what I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on XX/XX/2016 that there was an amount that I owed Bank of America after they already closed my account. That amount still appears as unpaid on XXXX XXXX XXXX XXXX Today, I went to Bank of America and they told me that I don't owe them any amount, that it was already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

account # is XXXXXXXX XXXX XXXX XXXX for XXXX open date is XX/XX/2022 i contact the company about this debt and the social security number is do not belongs to me and there are saying debt verify by who because that was not me.
Product: Vehicle loan or lease

Company was gracious and understanding, in the beginning. Called to inquire about payment deferment due to COVID-19. They claimed they extended my time by a month, which was really two weeks, from the previous payment date. When I called in to see if they would extend deferment because the Governor of Ohio extended the mandatory closure of the state by 30 days, they were not willing to help at all. They implemented no policy for COVID-19 and used their standard deferment policy, which is after one deferment is given, 6 months is required before you can have another one, all while still reporting to the credit bureau. Yet they have a propaganda campaign of " We're Here To Help '' posted all over their website. The business practices of this company are beyond questionable, the ethics are non-existent. I would not recommend this company to anybody due to their lack of empathy with the ongoing pandemic, and lack of effort to do anything to help the consumer. I will be refinancing my loan through another lender and cancelling any contracts with anybody affiliated with this company, ( i.e. XXXX )
Product: Student loan

Mohela did not process all of my PSLF applications. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake. I have attached a copy of each of the applications that were either not processed or processed incorrectly. Personal information has been redacted for security purposes, but the information was present when submitted to Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to house invalid and damaging information. TransUnion has repeatedly ignored my request to remove fraudulent invalidated accounts, inquiries and personal information. TransUnion has continued to undermine federal regulations and validation requirements. FTC report number has been given and report copy has been sent in. TransUnion has a right to the American people to report fair and accurately only. They have failed to honor their obligation and only hangs up in my face when I finally get a representative on the phone. Ive exhausted every avenue of communication I have and allowed them multiple opportunities to cure. Legal lawsuits will be filed for defamation and conspiracy if this information is continued to be shared illegally. Reinvestigation and validation pursuant FCRA is demanded!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft XXXX report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.
Product: Checking or savings account

I received a email that my security interest was deposited on 09/08/2024.i never received it. I've only received one back in XXXXXXXX XXXX XXXX XXXX. I'm not receiving the security interest that I'm suppose to be receiving. It's all lies coming from this company so much fraudulent activity on my account with this company and the waving of bank fees as time.
Product: Checking or savings account

On XX/XX/2021 I noticed a fraudulent transaction on my Bank of America account made on XX/XX/2021. The transaction was displayed as XXXX XXXX in the amount of {$850.00}. At the time I was teaching a class at XXXX XXXX University where I work as an adjunct professor. As soon as my class concluded I immediately logged on to my XXXX account. I saw that {$850.00} dollars had been charged for XXXX XXXX watches on my Bank of America account that was attached to XXXX, the address where they were to be delivered was even listed, an address I have no association with in XXXX Florida. I immediately contacted XXXX, XXXX customer service informed me that they believed my account had been compromised and suspended the account. They also informed me that I would need to contact my bank to report the fraud. Following this I immediately contacted Bank of America and reported the fraud. On XX/XX/2021 the funds were temporarily credited to me account. On XX/XX/2021 following an investigation I was informed by Bank of America that they would not pay the claim. I am now being treated as a criminal and forced to pay for goods that were purchased on my account fraudulently. This has placed my account in the negative XXXX days before XXXX while I am out of the country now with no means to cover even my daily expenses. Several cards associated with my XXXX account had numerous fraudulent charges and my claims were verified and refunded by other financial institutions. Bank of America has refused to reconsider their findings despite me providing them with evidence that the purchase was conducted by myself or anyone associated with me.
Product: Credit reporting or other personal consumer reports

Different lenders use different credit scores to evaluate the credibility of potential consumer to purchase anything. There is no clear information provided by XXXX XXXX and XXXX Score XXXXXXXX to know how XXXXXXXX score is determined. I have no public collections, no public records, only XXXX late payment on my account and my XXXX score XXXX is XXXX and XXXX score XXXX used by XXXX and XXXX IS XXXX which impedes my credibility to lend anything from lenders. Lenders can only lend me at higher interest rates ; I assume that this XXXX XXXX discrepancy bars a consumer to lend anything and further impedes their credibility ; which is a violation of consumer right. I wish to know how XXXX and XXXX score XXXX is calculated and why there is XXXX points of difference between my XXXX score and XXXX SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX XXXX ) # XXXX 15 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I paid off my current balance with XXXX XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?
Product: Mortgage

XX/XX/XXXX I was made aware that their was a lien on my property through a bank I'm trying to get a home equity loan with now. They advised me that their was a lien on my property from XXXX XXXX XXXX, which is now BB and T. Deed of Trust dated XXXX, book XXXX-page XXXX. I've reached out to my local BB and T branches in search for some help do get me a release DOT. At first I tried to talk to XXXX XXXX, at the XXXX XXXX XXXX XXXX location in XXXX WV, NO HELP. Then I moved on to the XXXX XXXX location in XXXX WV to XXXX XXXX. In which in return he did get me a release on a wrong DOT. I then told him that was the wrong loan and he then sent me a letter in the mail stating the lien release is not available in the loan file and they apologize. 
My complaint is someone can and needs to get me a release DOT on the DOT filed at the court house from XXXX. This is hindering my loan process and going to knock me out of buying a piece of property connected to my land. If this doe not get solved, my only option is to hire a lawyer and file suit against BB and T for not providing me a release DOT on my property, that the loan is paid in full. 

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX