23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For months I have been receiving constant harassment calls from Convergent Outsoursing Inc. After months of missed calls, I changed my phone number because this is the number I use for work. Convergent Outsoursing Inc somehow found out about the new work number and continued the harassment, the constant calls at inconvenient times, they reported the alleged debt as collections to the credit reporting agencies to coerce me into payment, I sent them a Cease and Desist on XX/XX/2021 and they received it on XX/XX/2021, since then they still report this alleged debt/collection. 
I have requested them to stop collection attempts and they still abuse and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian multiple times informing them that the information that they are reporting is incorrect. They came back stating that the account was verified. I filed a formal complaint advising Experian that they are reporting inaccurate information on my credit report. I disputed 3 XXXX accounts as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for the method of validation on how you are reporting late payments as accurate during time of deferment. No payments were late or missed prior to the deferment. The company granted a deferment therefore the payment schedule was off but they payments were not considered late. The payments were paid as agreed. Experian is also listing this account with XXXX as the account holder. The lender is actually XXXX XXXX XXXX 
Experian needs to provide detailed description of procedures used in their process to determine complete accuracy of information reported. 
To date they have been unable to provide me proof or is lacking proof that the alleged payments are late please update payment history to paid as agreed never late ( PAANL ). The company should have provided this information within 15 days after receiving my follow-up dispute sent in with additional information.
Product: Debt collection

I am still being harassed by Midland Fund with a collection claim filed on XX/XX/XXXX with the credit bureau agencies by this firm over an alleged {$1200.00} debt. The date of last activity by the original creditor was XX/XX/XXXX. The status of limitations on this debt has long expired. The original creditor is XXXX XXXX XXXX XXXX. The State of Limitations on this alleged debt, even should it be mine, is 4 years in the state of California. 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I 'm sure this firm is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that Midland Fund has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 
The exact statute : [ XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) The legal status of the alleged debt, and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also convinced that Midland Fund does not have adequate documentation to prove in court that it has the right to report this negative information on my credit report, and therefore is in violation of the Fair Credit Reporting Act as well as the FDCPA. Midland Fund is not lawfully entitled to report this information and I request an investigation. 
Under the FDCPA I am also invoking my right to ask you to delete this alleged debt report from the credit bureaus and send the Consumer Financial Protection Bureau notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I am trying to purchase a home as a first time buyer and this record is affecting my ability to do so. It is in my family interest that I need to have this issue resolved.
Product: Checking or savings account

My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 

ATM Withdrawl - XX/XX/XXXX - {$200.00} ATM Withdrawl - XX/XX/XXXX - {$200.00} ATM Withdrawl - XX/XX/XXXX - {$280.00} ATM Withdrawl - XX/XX/XXXX - {$240.00} ATM Withdrawl - XX/XX/XXXX - {$2500.00} ATM Withdrawl - XX/XX/XXXX - {$980.00}
Product: Credit reporting

Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that do not belong to me.
Product: Debt collection

XXXX XXXX has a debt of {$1000.00} in my name from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX. I do not own or have any affiliation with this property. I am born and raised in XX/XX/XXXX I have never been toXX/XX/XXXXXXXX XXXX is a collection agency that reached out about the debt, I sent them supporting documents stating is was fraud and they were supposed to process the information. I showed them that previous to the debt they were trying to collect that I had fraud committed against me from XXXX XXXX ( also a XX/XX/XXXX XXXX XXXX ) that was connected to four properties in XX/XX/XXXX, one was also in XXXX XX/XX/XXXX I do not have much information about the XXXX XXXX debt due to the fact that I do not own the account. I am able to see the three bills that total to {$1000.00}. They are in XXXX ( I only speak XXXX ) and it has my name on it. 

I was not even aware of the debt until my credit took a hit. So I went through XXXX and filed a dispute, they handled it and the debt went away. Then, the debt reappears and XXXX is still trying to collect the debt. I sent them the supporting documents and did not hear back from them. The debt disappeared from my credit report so I figured it was handled. Recently I noticed the collection appear on my report, but did not affect my credit. I reached out to dispute the collection and Resurgent Capital Services sent me a fraud affidavit to complete on XX/XX/year>25. They bought out/now own XXXX XXXX XXXX I called them today XX/XX/scrub>/25 and the lady I spoke with said she will send me an additional affidavit to complete. Attached are my supporting documents from the previous fraud and my utility account from my actual and only address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 XXXX {$10000.00} Collection
Product: Credit reporting or other personal consumer reports

I have had a lot unauthorized inquiries on my credit profile I have reached to the and i was told there is nothing I can do about it. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 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 XXXXOneMain 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, 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 received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised. Upon reviewing my consumers report a few months ago, I noticed a few accounts that actually don't belong to me at all. I do not know these companies reporting and I actually was incarcerated during a certain period of time. I will also attach my proof of incarceration as well. 

Here are the accounts : XXXX XXXX XXXX OPENED XX/XX/XXXX, BALANCE OF {$540.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( I WAS INCARCERATED DURING THIS TIME ) XXXX XXXX XXXX  OPENED XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX XXXX XXXX XXXX XXXX, XXXX selling different goods such as frozen food, rice, eggs etc Since 2020 my PayPal account XXXX has stuck funds in it that I have to withdrawn it asap for emergency purposes, and I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless
Product: Credit reporting or other personal consumer reports

I got into a car accident in XXXX of 2023 and had filed an insurance claim. I had notified XXXX of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX Account Number:XXXX - {$0.00} Account Name : XXXX Account Number : XXXX XXXXXXXX - {$45000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name:XXXX  Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Previous Complaint No. XXXX Equifax 's response to this complaint ( RE : my XXXX XXXX XXXX  account ) WAS A LIE. They said that they had removed the language concerning " customer disputes information. '' I received a copy of my report on XX/XX/XXXXdated XX/XX/XXXXAND THE LANGUAGE IS STILL THERE! 

EQUIFAX IS TOTALLY INCOMPETENT! LITTLE WONDER THAT OUR INFORMATION WAS HACKED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting bankruptcy in my credit report. The information its incorrect. The address that the bankruptcy its being report its different. I dont have such a public record in the other two credit Bureaus. The reason of this inaccuracy its because my name is very common.
Product: Mortgage

Wells Fargo refuses to accept my monthly mortgage auto-payment at this time. In answer to my inquiry they stated that they are doing me a favor and they stopped my auto-pmts and that I don't need to make pmts for XXXX, XXXX or XXXX, and that there will be no late fees or reporting to a credit union, but they encouraged me to keep making my pmts if possible. I want to make my pmts now, and I am unable to do so. When I try to make an online pmt from any of my three authorized external bank accounts, I get a pop-up stating I can not make a pmt without having at least two authorized external accts ( Note : I have three ). I spoke with them on the phone and exchanged countless messages with them on their secure msg page on their website about this issue, and they continue to assure me that I am mistaken. I am not mistaken. And today I rec 'd a letter in the mail from them stating they have checked and that I indeed have three authorized external accts and that I can just go ahead and make a pmt if I insist. Minutes ago I again tried to make a pmt from all three of my authorized external accounts and I still get the pop-up telling me that I can not make a pmt unless I have at least two authorized external accts. I have sent them approx five or six msgs using their secure msg ctr stating this issue. Their snail-mail letter also stated that if I want to sign up for auto-pmts I need to send them a snail-mail letter requesting to do so, while simultaneously telling me they have discontinued auto-pmts during the crises. I am at my wit 's end with these people, and I suspect they are too busy distributing 'crisis loans ' to businesses [ with free gov't/taxpayer dollars ] to have the wherewithal to take care of my simple situation. All I want to do is make a monthly pmt asap, because if this is how they handle things, I have no confidence that I will be able to make timely pmts when all three come due on XX/XX/XXXX, which is also the date they say that I can again sign up for auto-pmts (??? ). And I am also concerned that I won't have sufficient funds in my accts to make three pmts at once due to who knows what will happen during the next two-and-a-half months. And bear in mind that I can not, repeat can not, make any pmts at this time. All of their confused and broken pmt protocols at this time signal to me that I may have a few hour window on XX/XX/XXXX in order to make my pmts and to avoid late fees and a bad mark in my credit. How can I expect it to work at that point when ALL of their mtge customers will be trying to make pmts, when it doesn't work now. I have been making timely auto-pmts for the five years I've had this mtge loan with Wells Fargo, and now I expect the worst. I simply want to make my monthly pmt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXXXX/XX/XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with Experian three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$870.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$54.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$23.00} XX/XX/XXXX XXXX XXXX XXXX  {$53.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX. 
XXXX {$5400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.