23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account # - XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I demand XXXX Cease & Desist all communication with me in regard to this debt, or any debt that you allege i owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and Attorney General. Please be aware that going forward, after this notice, any communication from your company may be recorded to be used as evidence for my claims against you. Please also be advised that any negative information appearing on my credit report pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent to Convergent Outsourcing by XXXX for an account original balance of {$1100.00} due to contract termination. 

Convergent sent me an offer letter to settle my account in full at $ XXXX contacted Convergent and made my payment of {$590.00} with my XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was told that by paying that amount, my account is settled in full. 

To date, XXXX still shows that I have the remaining balance of {$590.00} in my account therefore, my request to unlock one of my devices can't be completed. 
I initially contacted Convergent on XX/XX/XXXX and spoke to XXXX XXXX. XXXX confirmed that Convergent did receive my payment in the amount of {$590.00} on XX/XX/XXXX, and provided me a trace # for that transaction as XXXX. However, when being asked to provide me a Proof of Payment so that I can show XXXX, she refused to and instead, advised me that she would put a request to XXXX to send me a Confirmation Letter notifying that they received my payment to settle my account in full. I provided XXXX with both my email address and updated mailing address. 

However, knowing Convergent XXXXXXXX when they should have reported this paid amount to my XXXX months ago, I contacted them again on XX/XX/XXXX and spoke to XXXX. She advised that there is a note in their system that a request has been sent to XXXX to confirm my paid amount, and that would take around a week. I kindly reasoned with her that since it's not my fault, Convergent should have done this a long time ago instead of making me wait a week when I have a device that needed to be unlocked urgently. XXXX then told me that she would forward this to her Supervisor asking for a prompt action to expedite this process, and advised me to follow-up in a few days. 

I contacted XXXX right after and was advised by their Rep that my account still shows owe an amount and they haven't received any verification from Convergent, hence, advised me to contact Convergent again. 

I contacted Convergent again and spoke to XXXX XXXX She then told me that even though I paid {$590.00} I'd still owe the remaining balance of {$590.00} with XXXX since the original balance is {$1100.00}. I got into an argument with her because that's not how creditor - the collector - debtor works. Creditor - in this case, is XXXX, sold my account to Collector - which is Convergent at less amount that the original account balance. Therefore, Collector went after Debtor - me, with or without an offer to settle the account in full. I accepted the offer, paid my balance of {$590.00} and still, Convergent refuses to XXXX and passing me around providing false statements and confuses its customer. When being asked to provide Proof of Payment, they also refused to corporate. 

Every time I called I was transferred around and most of the time they'd tell me that I'm reaching the wrong department.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports, XXXX, Equifax, and XXXX there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called XXXX and they did take care of it by deleting it. When I called XXXX and Equifax, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX 's XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the XXXX and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 ( state of mi child support ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX XXXX XXXX  XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number 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: Credit reporting, credit repair services, or other personal consumer reports

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

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason. 

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my son & I. I am a hard working single mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me.

I have reached out to each credit bureau but have not been provided with any assistance.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. Equifax and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft has been recorded with social security, federal trade commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud on consumer report. All communication must be USPS no phone calls will be taken.
Product: Debt collection

XXXX XXXX XXXX keeps calling a member who is XXXX to the XXXX XXXX to collect a supposed " debt '' from XXXX XXXX. They were informed that I am XXXX and will not return until the end of the year. Since I left in XXXX, they have called every week, 1 to 3 times per week. Despite being told that I can not respond while I am away, they continue to harass me with phone calls. 

Once I was in a location where I could email a Crunch representative, they confirmed that I do not owe anything and provided me with proof. However, the XXXX XXXX called again today. I explained to them that due to my XXXX, I can not respond via email. They are unwilling to assist me in proving that I do not owe anything because I am XXXX.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I deposited an insurance check from XXXX which was XXXX. XXXX The Location for the XXXX ATM I used was XXXX XXXX XXXX XXXX XXXX, MN XXXX I did not get a receipt or any other information from the ATM they had just taken my check, then had an error sign appear after my session with the machine saying deposits were unavailable. 

I had called XXXX the next day and had to be with several associates, they stated that it might take a few weeks, however I haven't gotten an email or anything of that nature about our session.
Product: Mortgage

My home mortgage lender, Mr. Cooper, refused to pay my homeowners insurance premium from my escrow account to the carrier, causing the policy to lapse. I am now without homeowner 's insurance. Mr. Cooper refuses to explain the basis for not paying the insurance premium and is retaining my escrow.
Product: Mortgage

LoanCare servicing and I spoke on the phone in XXXX about needing to find a new insurance company. I indicated Id received a policy cancellation letter from XXXX XXXX XXXX and asked how much coverage I needed. They said they had received a bill, but would make a note in the account not to pay it. 

In XXXX they cut a check for XXXX XXXX XXXX from my escrow account after cutting a check for XXXX my new insurance provider. When I called they told me it was my problem and I needed to figure it out. 

I contacted XXXX in XXXX and they hadnt received anything. They reached back out to me when they received the check to send it back to LoanCare. I sent confirmation to LoanCare in XXXX that the check was coming via email and was told that they didnt care and were raising my mortgage rate for the next twelve months to cover the money they lost even though they should receive it by end of XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

Wells Fargo is reporting inaccurate information on my credit file. I applied for a secured loan through Wells Fargo. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. Wells Fargo did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with Well Fargo they said they would remove the lates, yet they have nothing!
Product: Debt collection

Company bought out payday loan. But they are threatening legal action, making repetitive calls, calling people i know that are listed nowhere on the loan and asking for my address while threatening legal action. Abusive language " stop hiding stuff from your husband '' " stop hiding behind that mute button ''. Also wont provide their address for cease and desist letter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX used to bank with XXXX until they made a bank change to Barclays back in XXXX of XXXX. At the time, I was not aware of the change nor did I receive a new credit card with the correct bank. I used to have auto payments set up and because of the switch, it wasnt transferred over. I couldnt make an account with Barclays without a new credit card that supposedly I received and the lady over the phone stated she could not give me my card number that she had to issue me a new one. I said ok and paid {$50.00} over the phone on XX/XX/XXXX. The lady stated it processed and went through just fine. XXXX  days later the payment was returned even though I paid with a DEBIT card and my account was reported LATE making my credit score drastically drop.
Product: Debt collection

I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
Product: Mortgage

My mortgage on my home in XXXX, Virginia is serviced by Mr Cooper. I've been using my XXXX XXXX bill payer service for several years and it pays my mortgage automatically and electronically on the last day of the month ( one day before the due date ). I have never been late on a payment. On XX/XX/2021, my bill payer submitted the {$3100.00}. I noticed on XX/XX/XXXX, the payment had still not been cashed, so I called Mr Cooper. They told me there was a problem that Mr Cooper was having with electronic payments over {$2500.00} and they requested that bill payers submit a paper check. On XX/XX/XXXX I called Mr Cooper again and they verified they had received the check from XXXX for my payment, I've been calling Mr. Cooper every week since then and it still has not been cashed. When I log into my account at Mr Cooper on line, it says I also now owe {$120.00} in late fees. My last call to Mr. Cooper last week, I talked to " XXXX '' in the escalation department and he assured me there would be no late fee assessed and that there would be no report made to credit bureaus as it was their mistake. He also assured me that the check would be cashed by XX/XX/XXXX. This morning, XX/XX/XXXX, I checked my XXXX account and the check still has not been cashed. I have also checked with XXXX and the check has not been returned. I have now emailed XXXX at Mr. Cooper to notify him the check has not cashed. I am concerned that Mr. Cooper is never going to cash this check and that it will be reported to credit bureaus.
Product: Credit reporting

I requested a credit report from XXXX, equfax, and XXXX and they refuse to give me a credit report after I was denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a request to investigate / correct two credit entry in my credit report the transaction is XXXX. 
The equifax company finish the investigation late night in two hours, and I downloaded the report which contain identical information, with no indication of an investigation, just automated message saying it is completed. Need to know the findings, so I know the information in my credit report is accurate as stipulated by my rights.
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 XXXX 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 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.