23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$36000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX Equifax removed my XXXX XXXX Account for now reason. XXXX XXXX  does report to Equifax and Equifax has been reporting the account from XX/XX/XXXX, when the account was opened, up until XX/XX/XXXX when they removed the account and stopped reporting it for an unknown reason. When asked why they removed the account and stopped reporting the account I was given the run around and never given n answer. At one time in XXXX, XXXX I was told by an agent at Equifax that the account would appear back on my Equifax XXXX XXXX within XXXX hours after she " manually '' submitted information. That never happened. I spent XXXX XXXX working with XXXX Bank trying to resolve the problem only to receive notification that Equifax was the one who removed the account, Equifax would not provide a reason to them why the account was removed, and that I would have to work with Equifax to resolve the reporting problem, which I did up until about a week ago. My XXXX Bank XXXX account regularly reports to my other Credit Profiles XXXX XXXX and XXXX in a timely manner. I have also recently has problems with Equifax inaccurately reporting several other accounts on my Equifax file. However, this is the one that most affects my credit score since it is an open, active account that is always paid on time and in full. I have sent Equifax documentation that the account is a valid account open, and in good standing several times over the past XXXX months.
Product: Credit card

Today, I was issued a XXXX that I did not approve This has happened to me more than once Usually, I just pay it, but I just was released from the hospital and can not afford this Please take this charge off I 'll close the account after this is satisfied, and there 'll be no more problems Any questions, please notify me on my email account Thank you in advance for correcting this XXXX XXXX email ; XXXX
Product: Mortgage

I received a certified letter from Pennymac Loan Service informing me that my escrow account was short and that my payment would increase from XXXX a month to XXXX a month. The contract I signed indicated a payment of XXXX at a fixed rate. The only reason I bought a house is too ensure that I have a fixed payment so that I can budget for it. If Pennymac ca n't do proper accounting, then they should try another line of work. I have no intention of changing my monthly payment. They will need to make an adjustment on their end that does n't effect the monthly amount that I agreed to. How do we allow the same criminals that cost me a house in 2009 to open doors under a new name?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to XXXX XXXX  XXXX of XXXX with a pre-approval letter that I received in the mail from XXXX  XXXX. When I arrived and got with a Salesman XXXX, I advised him I only wanted to take up the offer from XXXX XXXXXXXX and I didnt want my credit to be ran with any other lender. He assured me it wouldnt be due to XXXX XXXX had already agreed to the pre-approval. He came back with a paper and asked me to sign saying I needed to sign to get the pre-approval for XXXX XXXX, so I signed. I was not aware that I was signing for them to run my credit with a series of other lenders. I discovered this by the notices I started getting in the mail a couple weeks later. When I contacted the dealership I was placed on the phone with a rude finance manager who was basically telling me he had my signature and thats what I ageeed to when that was not true. My signature was there because I was under the impression it was needed for XXXX   XXXX not to get me financed with other lenders, when I specifically said when I arrived, I only wanted XXXX XXXXXXXX. They did not attempt to help at all. They threatened to call the cops and have me removed from the facility after their fianc manger followed me to my car using foul and XXXX slurs that I will not mention here. The issue needs to be addressed because I did not authorize them to process these things against my credit.
Product: Debt collection

In XXXX, I started an account with XXXX in order to begin my credit repair journey, they dispute collection accounts on your behalf.They sent my initial dispute on the validity of this alleged debt to XXXX XXXX XXXX I received a letter ( attached ) from XXXX   XXXX XXXX on XX/XX/XXXX, with no proper validation listed. I then sent my second written request for validation via USPS Certified Mail ( # XXXX ) on XX/XX/XXXX. Delivery confirmation was sent to me on XX/XX/XXXX. I have yet to receive any further correspondence with XXXX and it has now been more than the necessary 30 days.
Product: Debt collection

I received a call XX/XX/XXXX from a company identifying itself as XXXX. I talked to a woman named XXXX. She stated that I owe a debt to Advance America for a payday loan that I defaulted on in XX/XX/XXXX in the amount of {$1000.00}. I told her I hadnt received anything in writing about this debt and she said they dont send out notification. She stated that if I didnt pay the amount in full I would be served legal papers suing me for that amount plus legal fees which could make the amount about {$6000.00} in the end. I told her I could not pay the full {$1000.00}. She stated I could pay half and then make payments biweekly. I set this payment up with her. I received an emailed receipt from XXXX. I have reason to believe this could be a scam. So I called back XX/XX/XXXX to talk to XXXX and requested verification of debt be sent to me. She refused saying that they are not a collection agency so they are not required to send a notification. I told her I would not be paying this debt due to the threatening nature of the collection unless I got something in writing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX their repeated and illegal actions concerning XXXX open collections accounts on my credit report, XXXX from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : XXXX Funding/Resurgent has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate. 

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( XXXX ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. 

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, XXXX XXXX has failed to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Bank account or service

My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Bank of America - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank!
Product: Money transfer, virtual currency, or money service

A scammer hacked into an email between myself and an employee at XXXX XXXX XXXX. I was trying to make a payment, in the amount of {$19000.00} on XX/XX/2025, for work that was done on my house due to damage from XXXX XXXX. 

I received information on how to make a wire transfer. I found out the next day that contractor did not receive the payment and that they have had similar issues with other clients. 

I notified my bank ( Wells Fargo ) immediately. After a few weeks I was notified by letter that the receiving bank ( Also a Wells Fargo ) will not return the money. 


The following information was provided by the scammer : Bank : Wells Fargo. 
Account Number : XXXX ACH Routing Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name of possible scammer : XXXX XXXX XXXX ( This name appears on my receipt ) Possible addresses : XXXX XXXX XXXX XXXX Lot XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX
Product: Debt collection

On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX via XXXX XXXX Mail with delivery tracking ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ), with a balance of {$640.00}. This debt pertains to utility bills incurred after I moved out of XXXX XXXX XXXX, XXXXXXXX XXXX The utility bills were for the tenants who occupied the property after my departure, and thus, are not my responsibility. 

Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX is required to provide validation of this debt within XXXX days of my request. Despite this requirement, they have failed to respond. 

Since this debt has not been validated and it does not pertain to me, I request that it be stricken from my credit report as mandated by XXXX XXXX. XXXX ( b ).
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX   Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus. The collection agency National Service Bureau is reporting a fraud account on my credit report in the amount of {$200.00}. This is not my account and needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I've disputed this account many time and it's still remains. The information is inaccurate do to me not receiving a 1099-c. Also the account is showing a remaining balance but the account is written off on their taxes. It is inaccurate to show a balance on a written off account! I've been through so much to get this corrected and I demand this be deleted immediately or I will pursue with a lawyer
Product: Credit card

XX/XX/2023 disputing {$58.00} and want my account closed. Spoke with XXXX at XXXX and would like to speak to a manager regarding this issue. he says within 5 days. I expressed that I want my security deposit back and he informed me it would take 10 weeks to refund the security deposit. 

This company has predatory business practices and it should not take 10 weeks to process a refund. Nor should they charge me a late fee or membership fee. 

This company has not satisfied my complaint
Product: Credit card or prepaid card

A charge of {$240.00} was made to my Credit card account on XXXX XXXX. I became aware of the fraud when I received a box of XXXX pills in the mail. I called synchrony Bank and found out the charges were made on this account. I also found out 2 other fraudulent charges were also made. I was the victim of fraud/identity theft and did not make/ authorize any of those charges. Synchrony Bank did not say anything about me returning or keeping the product, but I did attempt to. I was unusable to locate an address for return, but found a phone number on the invoice. When I called it I was told they were a distributor of many products and would need more information from me. As my identify/information was already compromised, I refused and hung up. Since I was unable to return the product and was distraught, I threw the pills away. The bank did open up a claim review, but is holding me liable for the purchase of the keto pills as the purchased item ( s ) were shipped to your address and you authorized, participated in, or benefited from the purchase. Yes it was sent to my home, as this was part of the stolen information, but in no way did I authorize, participate in or benefit from the purchase. I would never take such an item! I explained this to them. I am being victimized twice! Once by the fraud and once by the bank who is suppose to protect my information and me from fraudulent purchases.
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 ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Professional management is illegally pursuing to collect a debt and breaking the HIPAA laws! No HIPAA transcript or disclosure was mailed with the debt validation packet! 

I previously mailed the company certified mail to inform them this must be deleted but no action has been taken
Product: Checking or savings account

On XXXX  XX/XX/2024 I checked my account while at the donut shop and discovered that over {$XXXX} was missing overnight. I was shaking and nervous and trying to call XXXX to make the report. I immediately made the report and could not understand why XXXX never sent me a message questioning all the transactions XXXX transactions- from XXXX different hotels in different states. I called XXXX  on the next day to get any information I could. I was giving the hotel phone number and I contacted them and they admitted that my ID was not shown. I still have my ID and the card that was used. XXXX hotel stated she could give XXXX  the ID of the person but not me. She was the XXXX and she gave me her personal phone number to give XXXX. She in fact called the police on the person. I provided all this information to XXXX and still XXXX weeks later I am without my funds. There is a posted review from another customer who states XXXX  gets you in a bind so they can profit. I feel this way also - I had to get a loan from them to cover my bills. I have a child in college and a sick mom and now I have to deal with this. XXXX  advertise " XXXX XXXX XXXX XXXX  uses state-of-the-art fraud prevention technology to help prevent fraud and related security problems '' this was not true for me. No one could tell me why I did not get the provisional credit. I have good credit and never had a check to bounce. I was told by one of the " Supervisors '' I spoke with that the Supervisor who told me that she spoke with the investigator and said it was just a matter of crediting my account - never happened ; the Representative who told me she reached out to the expedite team because it has been over 10 days that The XXXX team is nonexistent. I ask this Supervisor to PLEASE PLAY BACK the call and see I am not making this up. I AM BEING TREATED AS IF I STOLE THE MONEY. I am a XXXX Vet and Federal emp a member for over 15 years and this type of treatment has me seeking another finical institution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, XXXX & TransUnion to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to the appearance of 2 unauthorized accounts and 29 inquiries on my credit report. These were added without my knowledge or consent. 

ACCOUNTS : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have reported this identity theft to the FTC and request the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Mortgage

Our mortgage was sold to Citi Mortgage about 5years ago and EVER since it has been one BATTLE after another! We had to pay taxes twice in one year despite the fact that we paid them at closing and we had the taxes escrowed into our mortgage. 
The costumer service is NONEXISITANCE! you can not talk to the same person twice. No NOTES are made in the account to communicate once you do get through so you must repeat EVERYTHING! The hardship program is a JOKE! We experienced a hardship and jumped through all their REQUIRED HOOPS only to have our mortgage payment increased! We then obtained a lawyer to help us " do the Right thing '' only to have them continue to jerk us and the lawyer around. For the last 2 years we have fought to keep our mortgage and our home only now to feel defeated and unable to continue the fight. We are attempting to sell our home just to get rid of Citi Mortgage and try to restart. 
We have NOT kept anything from Citi Mortgage, as soon as we retained a lawyer they were contacted with ALL of his information. I had given verbal authorization for Citi Mortgage to discuss options with him and the information was " NONEXISTING '' after 8months after they had been in contact with him ; thus again forcing me to jump through their hoops to allow them to discuss the case. We then applied for the hardship loan modification. For almost a year we paid the amount that we thought was the payment amount. XXXX of 2016 Citi Mortgage began sending our payments back to us. At this point I could no longer continue the endless battle and we entertained putting the house up for sale. In XXXX Citi Mortgage sent me a letter notifying us that our mortgage had been sold. All paperwork was provided to the lawyer and relator with the New mortgage holder 's information. When my relator called the company that our mortgage was sold to she was told, " Not all files have been sent over and information is limited. '' My lawyer then contacted the same people only to be told that the mortgage was NOT sold that Citi Mortgage still holds the account. My Lawyer then contacted Citi Mortgage, at this time Citi Mortgage is requesting us to re-apply for a loan modification. There was NO explanation given as to why we received the letter, Nor why my relator was told one thing and the lawyer another. 
I have LOST complete faith in this company! NO ONE there knows what is going on and all that I get is a CONSTANT RUN AROUND and jumping through hoops. They are selective in the notes that are applied to the account. One month they will speak to the lawyer and relator and the next I need to submit a formal letter ( AGAIN! ) to Citi Mortgage to allow them to discuss my case. At this time we are attempting a short sale unfortunately Citi Mortgage will not provide a FINAL payoff figure to the relator making the sale of the house DIFFICULT. 
As a first time home buyer they have made this the WORST experience EVER!