23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2023 - Merchants Credit Association - XXXX XXXX called me at work, when I informed her that she reached me at work and needed to call my cell phone at XXXX. She became defensive and angry. I said thank you and hung up I called and left several messages over the weekend as I had tried to begin making payments on their website the amount of my statement XXXX on the paper statement I found was for XXXX some odd dollars. 
I explained in my voicemail I was not to be contacted at work and could be reached between XXXXXXXX XXXX XX/XX/2023 - I received a call from XXXX XXXX and was unable to answer but called back within XXXX minutes. When connected I explained that I had tried to pay online but my packet number wouldn't work. XXXX XXXX looked up my account, stated it was a debt collection and that I owed XXXX some odd dollars immediately becoming combative. and aske what he could help with. I stated that what he could help with is not having his collegue XXXX XXXX call and be so innapropriate and to give to please give me the packet number. He stated that the bills were from XXXX accounts from XXXX hospital and asked if XXXX and XXXX were my children, I asked for the dates of visits or to be sent a detailed statement. He asked again for my children 's names and said I wouldn't answer his question so he wouldn't answer mine. I told him I didn't have to and again asked for the dates and/or packet number. He finally gave me the packet number I explained to him that is the same one I had which didn't work. He told me it is because it's been referred to the legal department and that was the hold up. I asked that he unlock it so that I could make payments and not have to deal with anyone on the phone at his company. He said the decision had been made. After a few more words I mistakenly said I would report him to the XXXX meaning the XXXX. He stated " oh the XXXX, I just want to make sure I'm hearing you correctly ''. On the recording you can tell I start out nicely. This is the XXXX humiliating and horrifying incident with this company. 

I would like to pay my bill, I am escaping a very bad relationship the bills are from my daughter being treated for XXXX from it I believe. In the drama and shuffle of her intensive XXXX XXXX etc. bills slipped by the wayside. I'm slightly crushed and at a loss of what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX  XXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the relentless attempts to remove the charge off account from my credit report. Despite several communications and efforts on my part to rectify the situation, the issue persists unresolved. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt resolution. 

I first became aware of the erroneous charge off account listed on my credit report. Subsequently, I diligently followed the proper procedures outlined by [ creditor/bank name ] to dispute and rectify the inaccurate information. However, despite providing all necessary documentation and evidence to support my case, the charge off account remains on my credit report. 

Furthermore, I have contacted your customer service department multiple times, spending significant time and effort to resolve this matter. Regrettably, each interaction has been met with promises of investigation and resolution, yet no tangible progress has been made. 

As a responsible consumer, I take great care in managing my finances and maintaining an accurate credit history. The presence of this erroneous charge off account not only tarnishes my creditworthiness but also undermines my efforts to secure favorable financial opportunities. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The removal of the charge off account from my credit report. 
Confirmation of the removal in writing, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, any adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to remove this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/XXXX and another on XX/XX/XXXX. I know the bureaus get an extension due to the pandemic, but I still have not even seen that they have begun investigating either of my disputes.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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: Credit reporting, credit repair services, or other personal consumer reports

These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX, Equifax and XXXX Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. INQUIRIES : 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 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: Debt collection

Received a letter from XXXX XXXX XXXX stating that I had debt to them. Investigated the credit reporting agencies and found that there were false phone numbers and a false address in my accounts, and collections reports from Credence Resource Mana ( not XXXX XXXX ). The false address I saw was in my reports was in XXXX XXXX, Texas. XXXX did not show me my phone numbers and only reported three addresses, two were actual former addresses in AZ and the other one my current one. I called XXXX as they are listed as a debt on XXXX, but based upon my social security number, they said that they had closed my account and that I would have to deal with the current owner of the debt. Based on they're knowing my social security number, despite me never being a customer, it is reasonable to conclude that my social security number is compromised. I am on a family plan with XXXX XXXX XXXX, and that account is and has been in good standing with {$0.00} owed. Credit Resource Mana claims that there is a debt to XXXX XXXX XXXX for which they are collecting. Lastly Credit Resource Mana is collecting over {$3000.00} for XXXX XXXX There is another collection from XXXX XXXX XXXX XXXX They are looking for {$270.00} for an apartment called XXXX XXXX XXXX. I looked apartment up and called them, leaving a message to notify them of the likely fraud perpetrated. I will try to file a police report in the city where the apartment is located in Texas as most of the activity seems to have addresses in Texas.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX  account number : XXXX XXXX  XXXX. account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of XXXX XXXX on-time payments. 

I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Here I leave XXXX Attachments as proof. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024
Product: Debt collection

After recently noticing an account in Collections on my credit report from Convergent Outsourcing, I contacted them to obtain more information on XX/XX/XXXX. I informed that I was disputing the account as I did not have any information and requested information to verify the debt. After not receiving any correspondence, I contacted them again on XX/XX/XXXX to confirm they had the correct mailing address and email address and requested the info also be sent via email to expedite. On XX/XX/XXXX, I contacted the company twice, spoke to a representative named " XXXX '', verified my name and full SSN. I informed her of the reason for my call. However, she declined to assist me or transfer me to the appropriate department because I was unable to provide the amount due on the account and disconnected the line both times. During that interaction, I offered to verify me by other information. Later in the day, I contacted Convergent again, and spoke with a representative and requested for this account to be deleted and from my credit report because they failed to provide any information within 30 days per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The representative eventually transferred me to a supervisor named " XXXX '', I again explained the details in which he informed me the account would not be deleted until the account was paid in full. He also stated if I wanted more info I could call the original creditor. I explained to him, I am contacting them directly because they are the company who is reporting to the credit bureau and they are required to provide the requested information. I inquired about any validation information that was sent to me by them, in which he informed me a letter was sent to an address that I was not associated with and emailed to me ( confirming my correct email ). I advised that I am not associated with that address and I also provided my correct address and email when I initially spoke with them in XXXX. Why was it sent there. Additionally, he provided dates in which I searched all my email " folders '' and no email was received by Convergent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The previous complaint with cfpd is XXXX. Equifax has not corrected the report, and I provided my driver 's license to prove my identity. I applied for a line of credit and the report has my former name and none of my updated lines of credit. Only credit from XXXX is showing. Missing is my current car loan, credit cards, job, salary, and address. Equifax has had more than 60 days to make the corrections and it has not. Equifax responded in XX/XX/XXXX that it was working on the issue and as of today, my credit report remains incorrect. I am applying for a personal loan and because the information is incorrect, I am being denied.
Product: Credit card or prepaid card

HAVING BEEN RECEIVING PHONE CALLS FROM DISCOVER CARD, TOLD THEM NOT INTERESTED AND HANG UP ... XXXXYESTERDAY RECEIVED A CARD AND TERMS OF BENEFITS OF MY UNSOLICITED CARD ... ALSO STATES ON TERMS IF NOT CANCELLED IT IS IN EFFECT. THIS IS VERY POOR PRACTICE AND SURPRISED A WELL KNOWN COMPANY WOULD ALLOW THIS PRACTICE. WE DID NOT APPLY FOR ANY CREDIT CARD, DO NOT WANT IT AND RESENT CALLS FROM THEM. I WILL SEND THEM NOTICE OF CANCELLATION BUT DO NOT BELIEVE THAT SHOULD BE NECESSARY ....
Product: Checking or savings account

Wells Fargo Bank I tried to open a checking account with Wells Fargo since they have all over the XXXX  how they offer XXXX chance checking no matter what!!! They would open me a checking or savings account!
Product: Student loan

I requested forbearance on XX/XX/XXXX, XXXX payments are due and Interest keeps accruing and my application still has not been accepted.
Product: Credit card or prepaid card

I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to reach out to the credit reporting agencies to fix the problems but they did not.
Product: Debt collection

In XX/XX/2018 a collection for XXXX was paid in full and should be deleted and removed from credit bureaus and still has not
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GLBLNDSVCS Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS NATLCRSYS Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY Account Number : XXXX Delete this account.
Product: Debt collection

OUTSOURCE RECEIVABLES MGMT continues to report a debt that was involved in fraud and identity theft. They continue to report to credit reporting agencies a debt that was involved in fraud and identity theft. I have given them the valid police report number that they can retrieve from the XXXX XXXX Police department. They failed to retrieve the police report documentation and continue to report the debt. Section 623 FCRA states information has to be 100 % accurate PERIOD and the FURNISHER has to obtain all documentation. Reporting a debt anyways that involves fraud and identity theft to the credit reporting agencies is " willful and direct '' VIOLATION of the laws governed under the FCRA. The information reported has to be 100 % accurate and 100 % veritable. A debt that has a VALID police report investigation that has not been " documented or investigated '' and a debt collector such as OUTSOURCE RECEIVABLES MGMT reporting it anyways to the credit bureaus is the reason I have exercise my RIGHTS under the laws to file a complaint again with the CFPB against this debt collecting agency. 

XXXX Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX
Product: Checking or savings account

XX/XX/ My Bank of America Business checking account was closed with no reason given. I have went into multiple branches, called multiple numbers. Spent hours on the phone for the last 7 months and I have not received a XXXX  from them. I have had to halt XXXX XXXX operations because of their negligence. They have held {$40000.00} and wont release it as it is under " 2nd investigation ''. This is a lot of money and has caused me to practically close XXXX XXXX. I have hours of recorded conversations with different support people on the phone. I have tried resolving the issue by asking them what documents or steps I can take to receive my funds and the answer is always the same. " We will contact you when we are finished investigating '' It has been 7 months. This is unlawful. They are making interest on my money and I am absolutely exhausted, mentally fatigued, and can not call them anymore. The stress this situation has caused is unbearable. I have had to borrow money to run my XXXX and after talking to a few lawyers they advised me to file a complaint here because I couldn't afford their attorney fees. Please someone step in and help me with this matter as this is not a small amount. Thank you.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX To the Dispute Team - Hello I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for you to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : 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 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX It is against the FCRA to report these bogus addresses on my credit report. I have contacted Experian on more than several occasions about this issue and they are the only credit bureaus that are doing this to me. I will consult any legal recourse if this is not resolved. I am not aware of any furnishers reporting this information. But the fact of the matter is that I am stating that these addresses are not my addresses and they need to be deleted ASAP.