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

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX  in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal or similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation to my account transactions. Due to this happening numerous times, Navy Federal has closed my checking account and has sent my account to collections for overdraft fees causing additional debt on my credit report.
Product: Debt collection

XXXX XXXX is attempting to collect money from you on XXXX 's behalf. But you don't understand why you owe XXXX ... So you ask : " Hey XXXX, XXXX says i owe you money. What is he talking about? '' And XXXX says : " I have no clue what he's talking about. You don't owe me anything. '' You would feel like XXXX is trying to scam you right? Well this is how Convergent Outsourcing is trying to collect {$340.00} from me " on behalf '' of XXXX XXXXXXXX. 

My relationship with XXXX XXXX XXXXegun with me being under my moms account, to the best of my knowledge. Since then, I've gone off into my own account but some how traces of her [ now closed XXXX XXXX XXXX account continues to pop up on my side. After a plethora of phone calls with XXXX XXXX in regards to financial mishaps, my mom and I NEVER walk away with a consistent answer to what the problem is exactly. So after seeing Convergent Outsourcing on behalf of XXXX XXXX report a derogatory mark on my credit, I was befuddled!! 

On the morning of Friday XX/XX/2021, I speak with XXXX, VA XXXX XXXX rep XXXX XXXX XXXX ID : XXXX ) about this matter and as he thoroughly combed through both me and my mom 's account histories, he was unable to find any past records of outstanding debt. Correct me if i'm wrong ; but if i owed XXXX XXXX  at XXXX point in time, once they sell that debt to to Convergent Outsourcing, do they burn all records that say I owe them money? I dont think so, to my knowledge. So XXXX with XXXX XXXX says my account shows no records of outstanding debt ; current OR PAST!!! 

The same day immediately after speaking with XXXX XXXX  rep XXXX, I reach out to XXXX, TX Convergent Outsourcing to help me understand why theyre attempting to collect non-existent debt, according to XXXX XXXX XXXX speak with XXXX, TX Convergent Outsourcing rep XXXX XXXX XXXX XXXX id JRO, thats the rep id he gave me ) and he's very vague and inconsistent on why I originally owed XXXX XXXX XXXXoney. He says I owe {$220.00} for a phone but doesn't have any details to describe this phone. He says I owe {$100.00} for a phone bill but doesn't have any details on when and what this phone bill is about. He says I owe {$23.00} in taxes and it's made up of a {$20.00} late fee and {$2.00} for something else he can't explain. I ask the same question you're wondering ; " XXXX, where does the other {$1.00} come from '' ... I have yet to get a clear justification for that figure. 

In conclusion, if I owed XXXX XXXX ... cool! Convergent Outsourcing acquired the debt so it's fair for me to pay what I owed. However, it is absolutely UNFAIR for me to pay Convergent Outsourcing for a debt of {$340.00} that XXXX XXXX  says, they have NO record of me ever owing. Especially if neither parties can give me specific details on the debt ; like a specific phone, a phone bill date range, where the random {$1.00} of my supposed " debt '' came from.
Product: Debt collection

Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
Product: Credit reporting

On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards.
Product: Credit reporting or other personal consumer reports

I have late payment thats being reported incorrectly that is violation of FCRA rules an A charge off that I never got a 1099 for is in Clean violation in is reporting this charge off incorrect thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with my written instructions.
Product: Debt collection

I have a big issue on a medical collection on my credit that I have no idea what it is. Knowing that I am a XXXX and I have wonderful health insurance, I have no idea how I can owe a debt to this company for {$690.00}. They claim on my credit this debt is from XXXX XXXX. I am not aware of any medical bill I did not pay. On XXXX XXXX, XXXX, I send Escallate LLC a debt validation letter requesting more information related to this debt. To date I have not received any proof from them that I owe this debt. I disputed this collection with the Credit Reporting Agencies in XXXX XXXX but even after Escallate LLC did not send me proof, they told the Credit Reporting Agencies that I owe this? If I did owe this debt, my insurance company would have paid and I would not have been responsible for this.
Product: Debt collection

This was added to my credit report with out any mailing or notice. I demand that they show this debt is mine and that they are even allowed to collect in my state. Show me were I signed and if this is still within the statue of limitations for my state.
Product: Credit card

I found out my two credit card accounts were restricted while I was trying to change address as I recently moved from XXXX  to XXXX. In the mean time, I created a checking account and they sent a debit card to my old address, which I wanted to avoid. I did not get any notification from Capital One that my accounts had been restricted. I just found it 'by chance. ' I called Capital one customer service and requested address change. I was told it was impossible because my accounts were restricted. I asked why but I could never get answer for it. I received two emails to submit government issued photo ID, Social Security Card, and Proof of Residence. I sent to two different recipient my green card issued by US Government, Social Card and Homeowner 's Insurance. Local government accepted same documents to prove my ID and proof of residence. However, Capital one called me in a week or so and said they DO NOT accept green card They only take utility bills. So I sent my temporary drivers license and water bill I received from XXXX XXXX XXXX. In 10 days, I got another call that they DO NOT accept the license as it was printed on one page and the utility bill is not the same form they accept. No one mentioned their 'Requirements ' but keeps adding new requirements every 10 days or so. This is so frustrating and I didn't have anything to do with this hassle in the first place. Two different persons keep calling me and requesting more and more personal information. I am even suspecting this can be a scam for identity theft. The callers were extremely arrogant and spoke to me in a threatening manner as if I am responsible for any potential problem by not following their never ending requests. All I want is to be able to use my credit cards again.
Product: Debt collection

I am being erroneously targeted by Diversified Consultants Inc. on behalf of XXXX XXXX XXXX for unpaid debts of {$290.00} that are completely invalid and false. To highlight the situation, back on XXXX XXXX, 2015, XXXX XXXX that had been registered at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX was returned to a local XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, IL. A final balance of {$21.00} was paid, and the account was subsequently closed at that time. This was confirmed by a XXXX employee at the XXXX XXXX XXXX location. My XXXX Account # was listed as XXXX. However, XXXX XXXX has tried to charge me for continued service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 despite the fact that the account was closed out 3 months prior. 

I have on several occasions asked for the following information and have yet to receive it : -- Any and all documents identifying the serial # 's of all equipment that was registered to the " XXXX XXXX '' after XXXX XXXX, 2015 -- A receipt identifying the serial numbers of all XXXX equipment that was alleged to have been received and used by me after XXXX XXXX, 2015 -- A signed statement by a XXXX employee, attached to a printed document showing the results of that employee 's exhaustive search of all XXXX databases, testifying that they in fact have searched any and all such databases for these corresponding serial # 's and that the documents presented in fact are true Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XX/XX/XXXX 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XX/XX/XXXXXXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XX/XX/XXXX 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$6200.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$1800.00} Date OpenedXXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/XXXX 



sent ftc never removed anything 90 days or more
Product: Debt collection

I have received numerous phone calls from Client Services Incorporated over the past several months. They call looking for XXXX XXXX attempting to collect a debt. I have explained to them that I am not XXXX XXXX and ask for my number to removed and for them to not call me again, but they still do. The most recent phone call was on XX/XX/XXXX at XXXX p.m. I received another phone call on XX/XX/XXXX, and prior to that, on XX/XX/XXXX. I have told them several times if they do not stop calling I would file a complaint, and they still call. My phone number is also registered on the " Do Not Call '' registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX47 XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.
Product: Money transfer, virtual currency, or money service

Hello, I need help to enable the withdraw option again due to is being block for a new limitation that was place. And it's over 6 months since I received the email. 

My email is XXXX I need help with this situation please I called and somebody told me that the new limitation is blocking withdraw option and can be enable for executive from paypal.. please need help.
Product: Credit reporting or other personal consumer reports

I realized obtaining my credit report that i see some unauthorized inquires on Credit report. These inquires were never authorized and never gave consent written/unwritten/verbally. As a i am federally protected by the fair debt collection practices act 15 U.S.C 1681 ( b ) I am now opting out from these unauthorized inquires from credit report. As I I do not have any Credit with these banks nor any profile or accounts. Its just n the best interest of the company to remove these inquiries before any legal proceedings as I suspect IDENTITY THEFT AND SECURITIES FRAUD. PLEASE DELETE ALL INQUIRIES BELOW XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

Ample documents have been provided to you, eastern account systems, all of which have provied there was never a debt owed and XXXX radiological was to be responsible for any balance. This information has been provided to you, eastern collections via certified mail. Yet you have continued to ignore it and willfully and intentionally violated fcra causing me damages. 

I find it concerning that The balance line that you speak of in our last complaint ( which was specifically sent to me AFTER I disputed this erroneous debt by your company, eastern account systems ) was noted and reflected as zero. This information was also provided to the Texas attorney general as well as CFPB. My current credit report lists this as a paid debt and not a removed debt as you claim. ( Your third fcra violation by the way ) You were provided the information to dispute the debt via certified mail and placed it for collections regardless another of your many fcra violations. At this point I am seeking legal counsel and you can consider this my intent to sue. Do not contact me again regarding this manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the equifax data breach and would like these errors removed from my credit profile as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, # XXXX, has violated my rights. 

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

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

account name - XXXX account number - XXXX, account name XXXX XXXX XXXX account XXXX XXXX account name - XXXX account number XXXX, account name -XXXX XXXX XXXX, account number 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, credit repair services, or other personal consumer reports

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my studentaid.gov website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX  reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed incorrectly. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Credit reporting or other personal consumer reports

I wrote in and sent in certified letters asking them to dispute each inquiry listed on my report because I did not authorize them and believe them to be fraudulent. I ask to dispute each one and provide me with documentation that shows my signature giving authorization. They keep sending a generic printed letter saying that inquires are a matter of record and they dismiss my claim. Ive had this happen 5 times now. They need to comply with the fair credit reporting act and do their job because these errors on my credit report are hurting me.