23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called Convergent Outsourcing multiple times to verify my debt via phone and they insisted on reporting the collection on my credit report which I did not authorize and that violates my consumer rights. On XX/XX/XXXX, I received confirmation via green return receipt that Convergent Outsourcing Inc. received a letter from me stating to provide me the contract with my original wet signature that obliges me to pay this alleged debt. I received the recent mailing from them that was also backdated 10 days from my receipt, and I am also pretty adamant in checking my mailboxes. They claim to verify the debt with a copy of the billing statement from the " so be '' original creditor XXXX however, this is not what I asked for and is in violation of 15 USC 1692 ( FDCPA ). The alleged debt of {$270.00} as they claim is not mine. I am still a customer with XXXX now and my service still works and it is weird how this debt pops up as mine out of nowhere. I believe there has been a mistake. I called Convergent Outsourcing Inc. today to let them know of my actions to forward this issue and complaint tot the CFPB and XXXX XXXX has said she will dispute again in there system but I am not sure of the effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting a collection account that they no longer own and have transferred back to the cable company XXXX. I called to settle two days ago and they can not even take a payment and refuse to remove it from my credit report even though I can't settle it with them. I have to go back to XXXX and they can't gurarantee that they'll communicate the paid in full status with Sunrise. I want the Sunrise Credit removed from my report. They do not have a collection account on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX XXXX I paid them both off in XX/XX/2018. Then used one after the payoff which now has a balance of {$2700.00} with {$2200.00} left to use, it has a {$5000.00} credit limit. My second account has a {$4000.00} credit limit with a XXXX balance. I have disputed this with Equifax twice. They sent me a completed result but it would not allow me to login in. Now they have damaged my credit severely by listing that my balance is {$8200.00} showing that I am 207 % over the credit limit and I was unable to apply for credit. This is beyond unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with  XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XXXX   XXXX . According to the FCRA  623 ( a ) ( 5 ) , this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equifax  Information Services, wh om has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spoke to a representative from pacific credit exchange in regards of the account still appearing under collections. I informed her that the amount of {$2700.00} was paid in full and I needed this to be removed from my credit report because it wasnt allowing me to refinance the loan to my home. The employee stated that it appeared as closed on her end and that there was nothing she could do to help me remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to this company stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint on PayPal Holdings , Inc. XXXX XXXX XXXX California XXXX XXXX XXXX 

I recently had family and friends sending me through Paypal on XX/XX/XXXX. After receiving multiple payments totaling {$24000.00} in PayPal, I attempted to transfer it to my bank and PayPal would not let me. They requested I submit proof of ID, bank statements, and utility bill for proof of address verification and after everything was submitted they " Permanently Limited '' my account. The people that sent me money also verified with their ID as well through PayPal and it still did not make any impact. I requested more information through email multiple times and I did not receive a response back. I also called them various times throughout the last few weeks and they said they did not have any further information on the Permanent Limitation and I will have to wait 180 days for them to release funds and that there is a chance I do not receive the money back at all. 

I have used PayPal since XXXX of XXXX and have never once violated their User Policy. PayPal has a widespread business practices of unilaterally seizing funds from client 's finical accounts, without cause and without any fair or due process. PayPal has failed to inform me for the actions PayPal has taken, and even told me I " will have to get a subpoena '' to learn the simple information as to why PayPal is holding, and denying access to their own money. 

PayPal excuses its unlawful XXXX based on the alleged violation of its Acceptable Use Policy, without stating in what way my PayPal account has violated the AUP.

PayPal 's application of an unlawful and unenforceable liquidated damages clause, which is a contract of adhesion, without any casual connection to any damages PayPal actually suffered, as a justification for its holding and seizing funds from my account is inequitable and unconscionable, amounting to nothing less than holding funds which do not belong to PayPal.

Paypal violates its own Agreement by failing to provide adequate notice to users whose accounts have had holds placed on them. When PayPal informs individuals whose funds are being held of the holds, it does not inform such users why such funds are being held, how they can obtain a release of the hold, and/or how they can avoid future holds being placed on their accounts. 

The Agreement requires PayPal to, at a minimum, provide notice to such users of any hold placed on their accounts that includes both the reason for the hold and an opportunity to request restoration of access to the held funds. PayPal 's " notice '' falls far short of what is required. As a result, Plaintiffs have no idea why their money is " held '' by PayPal. It is common that PayPal seizes the money permanently after the 180-day hold period ends, without notice and without explanation. PayPals user agreement and acceptable use policy can not be used as a license to steal. There is no equitable or legal argument which condones theft. 

I hope you can help me recover my funds. Thank you CFPB!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 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 XXXXXX/XX/XXXX
Product: Debt collection

I have recently started to receive calls from a company representing themselves as the XXXX  XXXX. They are blocking the number they are calling from and using a fake number of XXXX, which the XXXX prefix is not a legit XXXX, WA or XXXX county number set. In the pre-recorded voicemail they are advising that they are trying to contact me about a legal matter and I have not returned their calls. They leave a call back number of XXXX upon looking up this number I am directed to the website www.globalrg.com, which is a debt collection agency, based out of New York state. 

Upon researching the company they are not licensed in the State of Washington where I reside. Nor are they licensed in any of the states I have lived in previously over the last decade. In the state of Washington per XXXX XXXX to collect a debt in the state of WA you must be license and bonded with the state, which this company is not. I do not feel as though this is a legit debt owed as I have not received any documentation via US Mail from this company.
Product: Debt collection

The collection agency LVNV funding has been calling and threatening to ruin and damage my credit if I dont pay them. I have asked numerous times not to call anymore and that I will be filing a lawsuit against them.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Investigate Disputed Accounts and Improper Verification by XXXX XXXX XXXX and XXXX XXXX I am filing this complaint against XXXX, XXXX, TransUnion, and XXXX XXXX for their failure to properly investigate and verify disputed accounts on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these accounts remain on my credit report without any substantive proof of investigation, causing significant harm to my credit score and financial standing. 

Details of the Disputed Accounts : XXXX XXXX XXXX Account Numbers : TransUnion : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX ( reported to all three credit bureaus ) Additional XXXX XXXX XXXX Account Account Numbers : TransUnion : XXXX XXXX : XXXX XXXX : XXXX Background and Disputes XXXX I have been disputing these accounts since XX/XX/year>, challenging their accuracy and the manner in which they were added to my credit reports. Despite my efforts, the credit bureaus have repeatedly responded with vague claims that the accounts are verified without providing any evidence or details about the verification process. 

One of the accounts ( XXXX XXXX XXXX  ) was opened without my consent. ( Account Numbers : TransUnion : XXXX, XXXX : XXXX, XXXX : XXXX ) This account was added to my credit report while two other delinquent accounts from SELF were already being reported. I did not authorize the opening of this account, yet it has since been reported as delinquent. 
I have raised concerns about multiple discrepancies within the reports of these accounts, yet the credit bureaus have failed to conduct a thorough investigation or address these inconsistencies. 

FCRA Violations : Failure to Conduct a Reasonable Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The credit bureaus failed to conduct a proper investigation into my disputes, merely stating the accounts were verified without providing any supporting documentation or evidence. 

Failure to Provide Verification Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I requested detailed information about how these accounts were verified, but no substantive response was provided, violating my right to obtain verification information. 
Reporting Inaccurate and Unverifiable Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus and SELF Financial continue to report inaccurate and unverifiable accounts, which should have been removed from my credit reports. The inclusion of these accounts, especially the unauthorized one, has significantly damaged my credit score and report, causing financial and emotional distress. The lack of transparency and failure to properly investigate my disputes further exacerbates the harm caused.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lag posting of charging in credits this issue aligns with the recent CFPB funding against Navy federal for similar practices where transactions settled with insufficient balance despite available funds, I believe these practices are unfair and required an investigation into my account transaction
Product: Checking or savings account

I've had a business account for several months now and they keep holding my check deposits for unreasonable amounts of time. I have deposited numerous checks there and they have cleared every time. One monthly check deposit {$2900.00} is the same amount every month and always clears. Yesterday, XXXX I deposited the same type of check with the same amount {$2900.00} along with another check for {$3900.00}. Both business banking checks. Truist Bank alerted me that they are holding this for 12 days. I've worked really hard to start up my small business and Truist is going to cause me to lose it. Every time I talk to the bank, no one has the authority to do anything about this.
Product: Vehicle loan or lease

The finance company gave me a different interest rate than what was told to me at the time of the sale. They had full access to my account and would automatically take out my payment on a non payday, causing me to rack up late fees. When I ask to move my payment to my payday they informed me that they did but they really didn't. And with doing this it put me upside down in my vehicle within the first 5 months of having this car. I have been dealing with this now for 2 years because no one will touch it with the interest rate they have me at, and they still will not budge on anything. Within the 2 year i have tried to get out from under this company and still nothing because i am now so far negative on this note. I am still paying my car note on my payday and still receiving late fees. I do not feel like i got a good deal on my car or the financing. I strongly feel like they are railroading me and the car is only Valued at {$7900.00} if anything. They car was price at XXXX. After 5 months of having this vehicle the car was priced at XXXX. I drive a used 2013 XXXX XXXX with now XXXX miles on it. I am looking at paying way more than what the car is worth. Plus everytime i call to get a pay out the amount is always different. In 1 weekend the payout amount went from XXXX to 15k-plus to XXXX. to the final {$15000.00}. Nothing is adding up with this finance company. And I want to put them on notice and if anything stop them from taking advantage of people. My credit has been completely shot due to ALLY Financial. I am now having to somehow start over just to get my credit decent.
Product: Credit reporting

iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX
Product: Debt collection

on tuesday XX/XX/2024, i checked my credit report and found XXXX collections on my credit bureau that i do not owe
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/ and noticed some things are not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

Deposited a cashiers check from a recognized California XXXX XXXX. Two days later checked with bank to see if the check had cleared and if the funds were available. Bank told me Yes. I proceeded with a transaction based on that information. Two business days later, they withdrew the funds, saying the cashiers check was fraudulent. They should have never made the funds available to me if they had not received confirmation from the issuing bank that the check was legitimate.
Product: Checking or savings account

Sometime before XX/XX/2019, I received a communication from what is now my former bank, HSBC ( " HSBC '' ), about my savings account and the ending of our relationship because I generated more than six ( 6 ) account transfers within a statement period. 

Since that time, I have had numerous communications with HSBC via telephone, email and their internal communication system offered within my HSBC online account for the return of the remainder of funds in my savings account at the time the account was closed. Each time, I receive a different reason as to why I have not received the funds, including all of the following : verification of residential address, the check was returned based on the residential address on file, the residential address does not match a previous address that was on file, a check will be sent within 7 days, a check was sent. 

Now, I do not have direct online access to my former HSBC account to continue referencing a direct communication to the funds or my relationship with the bank. 

Though there was not much remaining in the savings account, it has become a matter principle in HSBC practicing the business professionally with full accountability.
Product: Credit reporting or other personal consumer reports

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/year> 2024
Product: Mortgage

The wrong parcel number was submitted on my closing documents in XXXX. I started the process to refinance my loan in XX/XX/XXXX and found out my loan was assigned the wrong parcel number. I called XXXX XXXX XXXX  around the first of XX/XX/XXXX and informed them they had paid taxes on the wrong parcel. My loan changed servicing from XXXX XXXX XXXX  to XXXX XXXX XXXX on XX/XX/XXXX. I have XXXX different loan numbers now with basically the same company however neither of them will communicate with the other. The first lender paid taxes to the wrong parcel to the sum of {$XXXX} in XXXX, I was even sent a tax document on this. The second lender paid taxed to the wrong parcel in the amount of {$XXXX} on XX/XX/XXXX. The current lender will only communicate with my via email and they keep sending me letters stating " in accordance with the Real Estate Settlement Procedures Act, a response will be provided with XXXX business days ''. Meanwhile my taxes on my property remain unpaid for the current year, however I was told they were paid in the amount of {$XXXX} on XX/XX/XXXX but the XXXX XXXX XXXX has no record of this. I have emailed and called over and over and I am now owed {$XXXX} in taxes I paid into an escrow account that were paid on another persons property!
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX XXXX  XXXX : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
GREAT EXPRESSIONS DENTAL CNT. This doctor is charging me for services for braces that my child never received. 
Account XXXX : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
06 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft UNIVERSITY OF XXXX IS XXXX