23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from Convergent Outsourcing, Inc. XXXX WA claiming XXXX , XXXX records show a balance of {$110.00} due, and seeking payment to Convergent. I checked my XXXX balance online at XXXX, and it shows XXXX due. Looking back to XXXX 2013, XXXX records show I made XXXX purchases using XXXX, and both were paid in full essentially immediately. I believe that Convergent is fraudulently seeking to have individuals make payments to it with spurious claims.
Product: Credit reporting or other personal consumer reports

Experian is reporting a wrong account on my credit report no other company is reporting it but experian I asked them to show me proof that the account belongs to me such as a contract with my signature and they did not provide that this account is stopping me from getting a house please help me remove this from my credit report This is a violation of 15 usc 1681e ( b ) They also violated 15 usc 1681s-2 ( a ) & ( b ) .15 usc 1681i ( 5 ) ( A ) ( i ) & ( ii )
Product: Debt collection

After contacting by phone Receivable Management Group XXXX XXXX and XXXX XXXX, this letter was mailed to both companies. 

This letter is to formally inform you that I received a notice from Receivable Management Group , Inc. demanding a payment, which is incorrect. The letter is dated XX/XX/XXXX requesting a payment in the amount of {$320.00}. 

I have included a copy of the statement issued by XXXX XXXX on XX/XX/XXXX indicating that the amount due at the time was {$8.00}, which was promptly paid on XX/XX/XXXX. 

In addition, XXXX  XXXX informed me that my credit score had decreased due to {$150.00} reported on XX/XX/XXXX by Receivable Management Group , Inc. 

Based on this information, I contacted your billing department. A representative named XXXX informed me that the balance due today was for approximately {$400.00}, unfortunately I do not recall the exact amount. She tried to explain that both insurance companies paid during XX/XX/XXXX, but such payments were later recalled. She was not able to clarify the reason for the payments being recalled or the date when the funds were sent back. Until today I have not received a copy of document ( s ) showing these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax regarding my credit file & they havent deleted all of the negative information including the hard inquiries. I know that theyre using the XXXX system but by law according to the FCRA section 611 I have a right to see how theyve come up with the information that caused them to leave the inaccurate information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about this directly with XXXX XXXX and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( XXXX XXXX ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX : Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, XXXX XXXX, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. Account names and account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our mortgage is through PHH Mortgage Corporation. We made several attempts to apply for what the company calls " Mortgage assistance ''. The requested information was sent to the company each attempt. We then waited for a response. Several weeks passed and there was zero attempt to contact us. Later we received a letter stating that PHH did not receive all needed information and the request was denied. Due to the companies poor communication, we never received a letter or telephone call to inform us that more information was necessary. This issue occurred upon both attempts to apply.
Product: Debt collection

I had a debt over {$600.00} due to XXXX XXXX XXXX. In XXXX, they sent me a final notice stating that my total due was now {$1200.00}. Once calling XXXXXXXX XXXX XXXX  they agreed to a one time payment of {$600.00} if paid that day. I completed payment, and account was to be closed. 

On XX/XX/2022 I received a notice from collection agency " XXXX XXXX XXXX, XXXX '' that I owe XXXX XXXX XXXX XXXX {$460.00}. This is incorrect, as I had already paid my agreed upon amount of {$600.00}, and closed account. 

This collection of more money is fraudulent on behalf of XXXX XXXX XXXX as I was told my debt was settled, and no further actions were needed the day I paid off and closed account with them.
Product: Credit reporting or other personal consumer reports

In accordance to the fair act XXXX  account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 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

Information on my background check is inaccurate. The background check under my social security number and name brings up a address and information in XXXX, Arizona - XXXX County. I  have never resided at that address, and I fear that the information is not mine, and may reflect on other background checks and credit information. Here is the information : Record Source XXXX COUNTY SUPERIOR AND JUSTICE COURTS Search Results No Record Found Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered AZ Address Zip XXXX Location XXXX XXXX XXXX XXXX XXXX COUNTY
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX XXXX # 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 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. This is fraud i have police report
Product: Checking or savings account

On XX/XX/XXXX I attempted thought I opened an account with Penfed federal credit union. Days later I received an email asking me for forward a government issued idea. No exaggeration it attempted it 30 times if not 50 it finally was able to be sent. I was even instructed to fax in a copy of my ID I did that I received an email saying it was invalid it needs to be in color. I was instructed to email my ID I did that also both times referencing my application number. I never received a response back from the time I emailed it. 

On XX/XX/XXXX I started making the calls again as you will see from the phone logs below.. I was told, its still under review, asked what is my account number each time asked whats my social security number and it went on and on.. today I got so disgusted and determined to resolve this as the last person I spoke to informed me that the account needed to be manually created it should be done later today or the last Monday Since I was advised days with 2 of emails from Penfed advising me how to create an online account and welcome and a 3rd which I didnt even bother reading.. I called, called and called to no avail. 

As most do, I protect my identity, I just want to break out of the circle comply and answer their request for the first few times by providing my name email address date of birth and social security number. After about the 3rd call and being constantly lied to as everyone I spoke transferred me to a supervisor.. they have way too many chiefs and no Indians who were honest enough to assist and again they all required my social security number. I went online sent a request for an executive member of the credit union to call only to receive a call from a supervisor. On one of the calls I was even asked do you want to open the account or not. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I feel my drivers license information has been compromised, not just by emailing to where I was advised to send it but uploaded to their nonfictional computer system since I started this process on XX/XX/XXXX and here we are on XXXX my credit was hit with an inquiry and I still have nothing. 

When the representative called, I guess returning the call from my request. I asked for her title .. again another supervisor. I paused said I dont trust any of you I need a manager or a vice president to call me with their name and number so I can call them to confirm their identity. I am dumbfounded and reaching out with Please see attachments. I made and feel I a still no where better off in fact worse off as I truly feel my identity as been compromised. 


Thank you XXXX
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. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights. 


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

I am writing to formally request an investigation into Experian which has reported negative information on my credit file without my consent or authorization. I have never signed any application allowing this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Experian nor the reporting entities have provided this documentation. 
The debts in question include : XXXX XXXX  : {$680.00} XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX  : {$890.00} XXXX XXXX  : {$1600.00} XXXX XXXX : {$410.00} This raises serious concerns about Experians compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has significantly impacted my credit score and financial standing, causing undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have not given any entity the authority to access or report information about me. Experians failure to comply with these legal requirements has caused harm to my credit standing. 
I respectfully request that the CFPB investigate this matter and take immediate action to ensure this inaccurate and unauthorized information is removed from my credit report. I have repeatedly communicated my concerns to Experian, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, along with proof of identity to determine who applied for these illegitimate debts.
Product: Money transfer, virtual currency, or money service

Hi on XXXX at XXXX XXXX  i made an instant transfer of {$3000.00} from my cashapp  account to my debit card which is issued from XXXX  and its been 2 days and the money is not either on my account with XXXX  or my cashapp  account. I tried to resolve with both of the companies and none of them is helping at all. I spoke with both, cashapp and XXXX  and nothing is being resolved. They have some rude costumer service including managers. I have emails and recording of the conversation which they all giving me the same answer over and over.
Product: Debt collection

On XX/XX/2023, I requested that First Source Advantage stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.
Product: Prepaid card

I received an electronic Amex gift card from a friend and have been trying to use it at various retailers. I have called for assistance twice. 
The first time, the representative promised to look into it and get back to me, but never did. The second representative just suggested that I go to stores in person and punch in the card numbers. That is not even possible. No stores allow you to do that. 
The guy mentioned listing some ban on XXXX and that it should work in 24 hours. Then when I asked further questions about why there would even be a ban on websites that he would need to lift, he proceeded to say if you are speaking I cant hear you. And Ill be hanging up. He spoke over me 3 times and then hung up and did not bother to contact me. 
At this point I have {$2000.00} stuck on a card that I can only use at very random places. I am now just trying to spend money on any site just to be able to get the card to work. 
I dont think its right for Amex to sell gift cards that can not be used at most online retailers. They also dont give you an option to switch to a physical card or get your money back. 

In my screenshot you can see that I have more than enough funds to cover the purchase on XXXX, yet the transaction wont go through.
Product: Credit card

I contacted Navy Federal Credit Union on XX/XX/2023 to exercise my right to rescind a contract. I am a authorized user on a Navy Federal Visa Signature cashRewards credit card ending in XXXX ( XXXX XXXX ). I am exercising my right to rescind because I did not receive any consumer notices or disclosures pertaining to this credit account. I did not receive a credit card and I am not able to make any purchases. I have been restricted by Navy Federal from using the account however, this account is being reported to all credit bureaus and other agencies on my behalf. I have not made any purchases and this account is not my responsibility. I was added to this account under false pretenses.
Product: Debt collection

This debt occurred during COVID-19 in which I was laid off from my job due to the pandemic. I tried to get unemployment and rental assistance but was unable to get any. I have proof of all of this. This debt is with national credit adjusters and XXXX XXXX. I thought that I would be protected under the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
Product: Debt collection

A year after moving ( XXXX ), I was contacted via telephone by Transworld Systems. The representative informed me that they were attempting to collect a debt in the amount of {$130.00} on behalf of XXXX XXXX, my previous energy provider. I explained that I verified with XXXX XXXX before departure that there was no outstanding balance. Further, I informed the Transworld Systems representative that I would contact XXXX XXXX directly, verify this information, and settle any remaining debt if applicable. When I called XXXX XXXX, I was informed that no debt existed and nothing had been sent to a collections agency. At this point, I disregarded the call from Transworld Systems as it appeared to be a scam call. 

In XX/XX/XXXX, I received notice of unpaid debt reported to the credit bureaus. After examination, I realized it was Transworld Systems reporting the debt of {$130.00}. I immediately disputed it as fraudulent as I had already received confirmation that it never existed. It was removed from my credit report. 

In XX/XX/XXXX, I received mail from Transworld Systems acknowledging that I reported my identity being stolen in reference to the debt. Included in the mailed documentation were an identity theft report form and a bill from XXXX XXXX. I did not complete the form as the fraudulent action is not identity theft, but Transworld Systems ' attempt to collect false debt. Further, the bill included as evidence is just a copy of a bill from XXXX, not an overdue/unpaid notice. 

Upon receiving the mailed documents from Transworld Systems, I immediately pursued written confirmation that no original debt existed. XXXX XXXX is now XXXX XXXX. I explained what was occurring and received the following response : " Thank you for contacting XXXX XXXX. We understand your concern regarding this balance and are glad to assist. We have confirmed that the amount of the final bill was covered and that there should not have been a balance to send to a collection agency. Our records indicate that you may contact them directly at the number XXXX to inform them that the payment was processed. We apologize for any inconvenience caused. '' Because I'm at the point of distrust for Transworld Systems, I contacted them through their support e-mail so that I would receive a response in writing acknowledging that no further actions would be taken. It has been weeks and the company has not responded. In reviewing this company, there appear to be a lot of people having the same issue with attempts to collect debt that does not exist.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the company reporting a collection on my accounts with TransUnion and XXXX. I sent the letter to the company certified the notice was signed but I received no response from the company. I then submitted the results to TransUnion and XXXX and they didn't rectify the dispute at all. I submitted the evidence stating the account isn't mine meaning a fraudulent account and nothing. The company reporting on my credit report is sunrise.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unverified accounts that remain on my credit report. Please remove the following accounts immediately : XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, ensure that any name on my report that is not " XXXX XXXX XXXX '' is removed. I will be submitting a separate complaint regarding other incorrect personal information directly to the credit bureaus. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, resulting in considerable anxiety and distress. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.
Product: Credit reporting or other personal consumer reports

all three credit reporting bureaus are deliberately retaliating all scores are be low XXXX on all three credit reports for no reason at all i have one account with XXXX XXXX bank paid all on time this discriminating purposely dropping my score from XXXX to XXXX with no derogatory att all and they remove wells fargo for no reason at all over XXXX years of good credit payments first thay doble report the accounts XXXX when XXXX is XXXX i have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX