23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint regarding an unauthorized and inaccurate debt collection attempt and credit reporting by Convergent Outsourcing. The information on my account in the amount of {$1300.00} is unlawful and I have never had any business relationship, contract, or agreement with this company, nor have I authorized them to use or report my personal information in relation to any alleged debt. Therefore, their actions violate my rights under the law.

Key Details of My Complaint : -No prior business relationship : I have never engaged in any financial agreement, service, or contract with Convergent Outsourcing. There is no evidence or documentation of such an agreement. -Unauthorized use of personal information : Convergent Outsourcing has accessed and used my personal information to report a debt on my credit report, which is unauthorized and unwarranted. -Inaccurate and misleading reporting : They are reporting an alleged debt to the credit bureaus that is inaccurate and misrepresents my financial history. Relevant Laws Under the UCC : Under the Uniform Commercial Code ( UCC ), certain sections highlight the importance of valid agreements and the rightful ownership of debt. I would like to reference the following in relation to this matter : 1. ) UCC 9-210 - Request for Accounting : I have the right to request an accurate accounting of the alleged debt, including proof of ownership and transfer of the debt to Convergent Outsourcing. To date, I have received no such documentation, meaning they can not rightfully collect or report the debt.

2. ) UCC 1-201 ( b ) ( 20 ) - Holder in Due Course : Convergent Outsourcing has not provided evidence that they are the holder in due course of the alleged debt. Without proof of such status, they lack the legal standing to collect on or report the debt.

3. ) UCC 9-609 - Secured Partys Right to Take Possession After Default : Convergent Outsourcing has no valid security interest in my property, nor have I defaulted on any legitimate obligation to them. Their attempt to collect and report this debt is not legally justified under UCC laws. Requested Resolution : I request the following actions from all parties, Convergent Outsourcing, XXXX, XXXX, and XXXX. XXXX. ) Immediate removal of the inaccurate and unauthorized debt from my credit report. 2. ) A formal investigation into Convergent Outsourcing practices regarding the collection and reporting of debts. 3. ) A written confirmation that they have ceased all collection efforts and will not report any further unauthorized information to the credit bureaus. Thank you for your time and attention to this matter. I look forward to your swift response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX -Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I have a joint bank account with my husband at Bank of America. We used this account to have our tax returns deposited into. I was notified that the state returns were taken out of our joint account for a personal account my husband had which was closed and no agreement or payment plan was made. His personal account was nothing that had to do with me and my funds. My husband called BOA to ask why was the money taken and they explained to him it was for an old personal account that he had open before we had a joint account. I tried to reason with them if they can setup a payment plan and at least return the money they took without notifying us. The money we were waiting on to pay some of our bills BOA took from us and was never told that this would happen. We had this account for years and now all of a sudden they just took it. Is there something that could be done?
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. 
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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Changed from a charge off, to 22 late payments and is in direct violation of the law. You can't go from charge off to open status without valid information. Even so I have not received statements 21 days prior to the reporting of 22 late days 15 U.S.Code 1681 ( 2Xi ) 15 U.S.Code $ 1666b 12 CFR 1026.13 Remove the account from my consumer report.
Product: Checking or savings account

Account : XXXX I filed 2 claims with bank of America due to someone stealing my information. I filed a police report and submitted it to FTC AND CFPB back in XXXX. Bank of America failed to filed my second claim regrading my account.
Product: Credit reporting or other personal consumer reports

My information was exposed in a breach from credit bureaus. My dispute has no corrected the problem. My information is being misused and hacker gain access to my sensitivity information.
Product: Debt collection

There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from XXXX XXXX  and sold to this collection agency. I am filing a claim against XXXX XXXX as well. I received a notice from Resurgent Capital Services. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Resurgent and XXXX XXXX on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but Resurgent would send me a printout of incorrect information. I have NEVER did business with XXXX XXXX, but Resurgent is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from XXXX XXXX. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record.

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to Resurgent. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent in a complaint about credit reporting agency Equifax. I feel that they did not investigate the inaccuracy of the Bankruptcy on my credit report. I have found several inaccuracies. The date filed is inaccurate, the closing date is inaccurate, it does not list what type of court on the credit report it just states Federal court, the status of bankruptcy says discharged while XXXX states dismissed. They have failed to show me proof on paper how this is being verified.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Portfolio Recovery Associates for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent Portfolio Recovery Associates a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Portfolio Recovery Associates has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt.

Additionally, despite failing to validate the debt, Portfolio Recovery Associates has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Credit card or prepaid card

I received a letter from Chase dated XXXX XXXX which says they are decreasing my credit limit from {$14000.00} to {$7300.00} because they say I spent far below my available credit limit in the past 12 months. I have had this Visa account with Chase since XXXX. My credit score according to their mobile app is XXXX. This is absolutely ridiculous and could damage my credit score because I will now have less available credit limit to offset any balances. 
They provided no other reason. I have not been late on this account or over the limit and maintain a high credit score and have very little debt. When I contacted Chase I was told there was nothing I could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, my rights have violate by the following : 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 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : 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

XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, CCS COLLECTIONS XX/XX/XXXX, CREDIT COLLECTION SERVICE XX/XX/XXXX, XXXX COLLECTIONS XX/XX/XXXX. XXXX COLLECTIONS XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, CREDIT COLLECTION SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,
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.

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 instructons 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 vears.

15 U.S.C. 1681s-2 ( XXXX ) 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 CHECKED MY CREDIT & I HAVE UNAUTHOIRIZED INQUIRIES THAT DO NOT BELONG TO ME & I HAVE NEVER APPLIED I AM A VICTIM OF IDENTITY THEFT 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
Product: Checking or savings account

From XX/XX/XXXX until current XX/XX/XXXX Navy Federal Credit Union had charged my account multiple times for overdraft fees, although I am enrolled in their XXXX  program. Navy Federal Credit Union charged off XXXX of my accounts to a collection acgency due to these overdraft fees. I set up a payment plan with the collection agency to pay it off but when I got a deposit in my other account Navy Federal took the money they charged off and sold to the collection agency.
Product: Credit reporting or other personal consumer reports

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 NEVER WORKED AT THIS EMPLOYMENT XXXX XXXX XXXXXX/XX/XXXX I NEVER APPLIED FOR THIS XXXX XXXX  NEVER WORKED AT THIS EMPLOYMENT
Product: Credit card

I have had a Chase Freedom Credit Card for over 20 years. It was in good standing. 

I received an email that they were closing my account effective XXXX XXXX XXXX with no reason given. They said I would receive a letter with explanation and if I had any questions, to call the number in the email. I received the letter via XXXX and no reason or explanation was provided. So I called the number provided in the email. They could not give any reason for the closing of the account. They further indicated that I could never apply for a credit card with them in the future. 

I have a credit score that was over XXXX till they closed my account which does not look good on my credit score. So my score dropped to below XXXX. 

I would like to know what I did wrong or is this some sort of glitch. If I did something wrong I want to fix it so that I do not have issues with any of my other credit cards that are all in good standing. Like I indicated I have a good credit score and worked hard to maintain good credit. I feel like I'm being target with no reason or explanation. I put myself through school and held positions with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am a professional with a XXXXXXXX XXXX XXXX, with an extensive financial portfolio, own my own home, and raised XXXX kids who I put through college. 

I have an email that I can forward and letter that I can send at a later date after I have scanned it in.
Product: Checking or savings account

I was looking at my Citibank checking transaction and discovered that someone hacked my account and made two unauthorized transfers on XX/XX/XXXX and XX/XX/XXXX. 

One transaction {$130.00} XX/XX/XXXX Two transactions {$2300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I reported this illegal remittance to Citibank on the same day and got a refund of {$130.00} but refused to refund the two unapproved transactions that took place on XX/XX/XXXX. 

it was an unauthorized transaction, but they refused to refund it, saying I approved it. Attached below is the answer to the Citibank survey results Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX Dispute XXXXXXXX  On XX/XX/XXXX, you authorized person-to-person payments for the total amount of {$2500.00}. 
Based on our research and the information you provided, we are unable to honor your claim. 

The person to person payments were sent to the recipient in accordance with your instructions. You may wish to reach out to the recipient directly to resolve this matter. 

I did not approve these two transactions, I don't know who the transaction was sent to, I don't know about what happened, and I saw and recognized that the transaction took place in my checking account transaction. 

I'm serious about this situation, and I'm under a lot of stress. 

And I reported the issue to Citibank again.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information on my credit report, which I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, and I am requesting a thorough investigation into these inaccuracies as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing issues such as " sham investigations '' and other unlawful practices. The CFPB identified concerns including : Inadequate investigations that fail to address consumer disputes appropriately. 
Reintroducing previously disputed and incorrect information without explanation. 
Failing to notify consumers effectively about the outcomes of investigations. 
These systemic issues raise concerns about the integrity of the dispute resolution process. I want to ensure that my dispute is handled fairly and thoroughly. 
The inaccurate information I am disputing : XXXX. XXXX XXXX XXXX, they are a debt buyer and have obtained information thats not true and trying to collect funds from me that I do not owe them. As I have never given my permission to use my personal and confidential information to. They reporting monthly on my credit report through you a balance on a debt that I do not owe. I have requested several times now a validation letter without any response or proof from this company. I request that this company stop reporting to you false information and wish for a cease and desist! And immediately removal of this account off my credit report record. 
Under the FCRA, I request that you : Conduct a proper investigation into this dispute.

Provide a clear and detailed explanation of your findings.

Supply any documentation you used to verify the accuracy of the disputed information. 
Please address this matter promptly. If the disputed information can not be verified as accurate, I expect it to be removed from my credit report as required by law. 
I appreciate your timely response and resolution of this issue.
Product: Mortgage

In XX/XX/XXXX I received papers stating I was being sued for not paying the mortgage on my property. I called my lawyer, XXXX XXXX XXXX, who agreed to meet with me at a XXXX  Gas Station to retrieve the papers. XXXX XXXX XXXX took the papers from me without a discussion of price and assured me that he would appeal the case. XXXX XXXX told me not to worry. There was a court date scheduled for XXXX that was canceled for a reason unbeknownst to myself. Instead, in XX/XX/XXXX XXXX XXXX and his associate approached my wife and I with non-disclosure agreements that we both chose not to sign. From XX/XX/XXXX-XX/XX/XXXX, I heard nothing form the lawyer until my wife and I received two subpoenas to appear in court on XX/XX/XXXX to settle {$70000.00} accrued in attorney fees from the case. Confused and obedient, my wife and I attended court on XX/XX/XXXX. XXXX XXXX never spoke with us about what was occurring leaving my wife and I uneducated and underrepresented. During court I told the attorney I did not have any idea of the agreement and did not understand what was happening. During the hearing, I heard the bank and lawyer conversing and alluding to where the check would be sent and in whose name it would be in. I am concerned that I was underrepresented and taken advantage of throughout the course of the case. My lawyers failure to be ethical and transparent has damaged my livelihood and contributes to my on-going XXXX XXXX and medical conditions of which I have been hospitalized multiple times throughout the tenure of this case.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICE I HAD FRAUDULENT ACCOUNT IN MY REPORT. PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.