23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Debt collection

I Received a Letter from Roach & Murtha Attorney AT law PC. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor XXXX XXXX XXXX. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Capital One. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with Capital One without getting anywhere. I would like help to get Capital One to update this account with credit bureaus. 

Thanks.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account XXXX  on my credit file and the account ad balance do not belong to me I have attached AGAIN the letter directly from XXXX advising this account would be removed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i sent an certified letter to Transuion credit bureau, asking them to investigate account # XXXX missing an inaccurate account on my credit report. I stated the FCRA section 605B, and they did not have my permission to display this inaccurate information on my report. I asked kindly for them to investigate the matter and there is no response. I have done the same for the other XXXX credit bureau and they have deleted this item off of my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX Simple account number XXXX XXXX XXXX ACCOUNT NUMBER XXXX Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

On XX/XX/year> I received notice from Copper banking that they were closing all accounts. It stated I would receive my funds within 3-5 business days. That has not happened. On XX/XX/year>, I received notice that once again, within 3-5 business days, my funds would be deposited into a outside account, and that still has not happened.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm writing to bring to your attention an issue with my credit report. I've noticed that the information listed does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines and fails to meet the standard of maximum accuracy.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
I feel i was negatively impacted, hurting my chances at credit repair receiving a response to my earlier dispute that the accounts were " verified '' Come with the receipts, or be quick to delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a phone bill I'm actively paying and I even pay my phone bill a month in advance so I don't have to stress about it. However Experian removed that account from my credit history and now it shows that I no longer have a credit score which is incorrect. There is no other way for me to simply reconnect my account as Experian automatically searches for any bills. I have had my phone bill for nearly a year now and I have a good credit score. If Experian removed my credit score because it can not detect that I pay my bills early that is entirely unfair on their end.
Product: Credit reporting or other personal consumer reports

they wont provide my notice of approved and my written wett ink signature .so XXXX transunion mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have zero late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly XXXX has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze XXXX report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of XXXX need my credit report unfreezed from XXXX i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to my credit report.
Product: Student loan

I am a XXXX university XXXX   in my second year, recently, I was curious about my current credit score, So I decided to check, and to my surprise, some of my student loan debt was listed as unpaid. My questions is, if i'm still a current student an have not finished school, how or why would my student loan be due, it has not been 80 days from one term to another. how is this possible? What steps can I take to remedy this, the purpose of going to school is to be a more productive member of society and contribute overall to the gross national product, when I'm in so much debt from my student loans debt before I even start to work. this appear to be a very scruples action, perhaps inadvertently, I'm not sure. please help!!
Product: Credit reporting or other personal consumer reports

I been dealing. With this years and years I hav sent documents of social security number and card, driver license document proof of address and police records to XXXX, XXXX, and TRANSUNION and its like no one is doing anything to help me nothing has change and I started this process 8to 10 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its not mine
Product: Mortgage

We have made several attempts to close a paid off HELOC to no avail. We took out a XXXX XXXX XXXX with PNC on XXXX with PNC, whereby part of the proceeds were REQUIRED to payoff our existing HELOC. The balance was paid off, however, the HELOC was not closed. When I saw that the HELOC remained open, I inquired with PNC and was told that I had to submit a letter in writing to do so. I FIND THIS INCREDIBLY IRONIC, AS A CREDIT DECISION WAS MADE TO THE CONTRARY. THE ENTIRE AMOUNT OF THE HELOC WAS AVAILABLE TO BE DRAWN, AFTER THE CASH OUT LOAN WAS CLOSED. I was told that if I submitted a letter requesting to close the account, the subsequent {$50.00} annual fee would be waived, and my loan closed. We submitted the letter in writing, and several weeks went by, and the loan was still open. I again called and was told that the closing request was not processed because there was a remaining {$50.00} annual fee on the account. I paid the {$50.00} and I was told the closing request would be processed. I again inquired when I saw the HELOC was still open, and received a letter indicating the draw privileges were terminated on XX/XX/XXXX, and, as long as there were no fees and no balance, the HELOC WOULD BE CLOSED. As of today, the draw privileges remain available until XXXX/XXXXXXXX and the account is open.
Product: Debt collection

I started out by getting a catalog in the mail anonymously from XXXX XXXX I then impulsively without going through my payee opened up a credit line is my own guardian which I have the ability to do racked up a bill pay you was upset it's all paid off now XXXX sent me the items I ordered then after I ordered them and they were sent to me to return them in good condition they claim they never got them back so they charged me finally wrote off the account to Jefferson capital system 's LLC XXXX XXXX will not negotiate or work with me or my payee they were very unprofessional and dare I say threatening and rude I will never go through them again the interest rate was really high if anybody 's victim they were the criminal and I was the victim because they sent me and reached out to me and targeted me with the credit line and the actual catalog. Also Jefferson capital systems LLC worked with my payee and I only got it all paid off letter of confirmation is coming your way to credit bureaus to listen derogatory Mark of the XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Balance : Balance : {$0.00} XXXX  XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX {$2100.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I've already filed a claim with KIA MOTOR XXXX. So KIA MOTOR XXXX  sold the account # XXXX. I am not responsible for this account the car was surrendered in good standing & KIA sold the vehicle at Auction i will pursue legal action ASAP against KIA MOTOR XXXX  & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

have had this exact same collections account for a XXXX  cable bill removed from my credit profile by disputing it and asking for documentation verifying my involvement with the original account as well as any other supporting documentation on three separate occasions with three other debt collections agency 's. Each time they removed this collection account off of my credit report and then I guess they simply sell it to the next debt collection agency. This is literally the only negative item on my credit report. I was recently denied housing because of it. This is unfair, unethical and a violation of my rights as a consumer. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX XXXX. acct # 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 card or prepaid card

On XX/XX/2022, I received a text message from AAdvantage Aviator World Mastercard ( Barclays ) automated fraud alert system that a potentially fraudulent charge of {$470.00} was being made on my card ending XXXX by XXXX. I responded to the alert in agreement that the charge was not valid and indeed fraudulent. Despite my verification of fraud, XXXX allowed the charge to go through. After I called XXXX, the charge was removed from my account, my card was replaced, and an investigation was allegedly conducted by XXXX. A couple weeks later, I received a letter from AAdvantage Aviator World Mastercard stating that the investigation was completed, and the conclusion was that the charge was valid and I was being re-charged the full amount. The reason, XXXX said, was that XXXX verified that a package from a " XXXX XXXX '' was sent to my address related to the charge and therefore the charge was valid! 

The fact is I did receive a package from a " XXXX XXXX, '' a strange manilla envelope filled with random magazine pages addressed to me and sent via USPS signature tracking. it was received by the XXXX store where I have a XXXX XXXX XXXX XXXX verified my real account and that I have never ordered anything from a " XXXX XXXX '' and I have never added credit card ending in XXXX to my POSHMARK account. Someone, probably " XXXX XXXX, '' created a fraudulent account in my name and shipped me an envelope full of garbage. In my last correspondence, XXXX responded Thank you for your email. We apologize for this alarming experience. At this time we have restricted and removed all the information from this account. Please reach out to your bank for more information regarding this compromised payment method. My real account with XXXX, by the way, is still open and active. 

I sent this information, by letter, to AAdvantage Aviator World Mastercard ( Barclays ), as XXXX advised, and XXXX stated that XXXX has still not reached out to XXXX to confirm that the charge was fraudulent. The charge is still on my credit card and will remain there until XXXX confirms the fraud. 

Neither XXXX nor XXXX will take responsibility for allowing this fraud to happen and I am stuck between the two, each telling me to talk to the other.
Product: Student loan

Hello, I have private and federal student loans with Navient unfortunatelly. My original private loan amount was {$3700.00} originated in 2003 and it is now {$9200.00}, not sure why. They continue to report lates to the credit bureaus even if the payment is on time. Last month I paid XXXX to XXXX payments in a row to try to make them stop calling my phone and they reported me late and tanked my credit scores. They are extrmely rude and I will not take their calls and for that reason I believe they continue to report me late to the bureaus to get me to call them. I believe the balances reported in XXXX loans are incorrect and I need help fighting them. There is no easy way to communicate with these people. 
Thanks!
Product: Credit card or prepaid card

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$390.00} on my account. The amount is inaccurate because the charge is fraudulent. The creditor is claiming that I am responsible for this charge ( which happened to be the highest one ). The creditor stated that they contacted the merchant, who told them that the card was present at the time of the transaction. This is not accurate, and I would be willing to review security tapes at the merchant to prove that I was not there using the credit card.

I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Lastly, if the creditor insist that I am responsible for the fraudulent charge, Federal law limits my responsibility for unauthorized charges to {$50.00} under the Fair Credit Billing Act. 

Please investigate this matter and correct the billing error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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: Debt collection

I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

The company that is contacting me is TD Auto Finance. Looking back at call logs, they started calling me back in XXXX XXXX XXXX, but I didn't realize the same number was calling me because I blocked the number. This lasted until sometimes in XXXX, where they started to send me voicemails every month, and I was able to see their caller ID. They told me to contact back XXXX which is apparently their collection agency. 

The issue is that I never heard of this company before this, and I am in no way associated with them and do not have any account of the sort with them. Even the person 's name that they called me does not match my name. 

I contacted them at their main general number ( which was used to call me ) at XXXX and the first person I spoke to submitted a request to have my phone number removed from whoever account it is back on XX/XX/XXXX, since I was getting tired of the calls and voicemails. However I received yet another call and voicemail today at XX/XX/XXXX. It is clear that the request did not go through and they will keep spamming me with calls and voicemails every week or so, even if I HAVE NO BUSINESS OF ANY SORT WITH THEM.
Product: Mortgage

On XX/XX/XXXX Synovus added {$7100.00} to the principal balance of my mortgage. On XX/XX/XXXX I called their customer service # to find out what this is for. They could not provide an explanation as to why this happened. I have made all my payments on time and have no idea why they added this amount to my balance. I want this reversed ASAP and any interest credited back.