23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit report and learned that Convergent Outsourcing, a third-party collector for XXXX placed a collection account on my credit report. I called Convergent Outsourcing and asked them why they never sent me a notice about the collections account. The Convergent representative told me that they sent a notice to an address where I have never lived and never received mail. The address began with XXXX. I have never lived at an address beginning with that number. I have not received mail at an address beginning with that number. I told the representative that she had a legal duty to notify me BEFORE posting to my credit report. The representative did not respond to that statement. The representative did not send notice to the proper address after I told her where I receive mail.
Product: Credit reporting or other personal consumer reports

This is my 2nd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per Experian reps.i was told they will not be doing a reinvestigation into this dispute. Experian told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX, XXXX, EXPERIAN have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.
Product: Checking or savings account

On XX/XX/2023, I was paid a direct deposit by my employer. I transferred some money from my XXXX XXXX XXXX XXXXXXXX account ( under KeyBank ) to another account I owned under my name, but my entire account was restricted and I am locked out of being able to access any funds in my XXXX XXXX  accounts. Moreover, I wasn't even given a notice of this restriction or an explanation as to why over the weekend until I called myself on Monday during their weekday-only business hours. Apparently this issue is widespread as many others across the web have posted similar holds/restrictions for some reason.
Product: Debt collection

On XXXX - My debt is listed 2 times. 
I have always been covered by health insurance so this should had been paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have pulled a copy of my credit report and found that there are fraudulent accounts and addresses that I have never lived at. I have asked the credit reporting agency to remove the addresses that I have never lived at and they refused to do so stating that the fraud accounts are at that address. But if the accounts are fraud and not tied to my correct address, they should remove the fraudulent accounts and the fraud addresses. My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

The address listed below I have never lived at, and they must be removed from my credit report. 
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

The late payments listed do not match my standard payment history.
Product: Checking or savings account

I used my MoneyLion account to purchase product from XXXX XXXX XX/XX/XXXX. There were two separate purchases, one for {$69.00} and one for {$630.00}. The merchandise was returned as it was not the correct product needed and had protection on the items. The items were successfully returned on XX/XX/XXXX and XXXX XXXX provided a refund to my account with the return/credit transaction receipt pictures for MoneyLion. XXXX XXXX COMBINED my return for a total of {$700.00} to be credited back to my card ending in XXXX. XXXX XXXX stated this should take 3-5 business days depending on my bank to receive the funds. By XXXX, I still had not received funds to my MoneyLion account for the returns. I was advised by MoneyLion to file a dispute. I filed dispute XXXX. Finally, on XX/XX/XXXX I was provided a provisional credit for both disputes. On XX/XX/XXXX MoneyLion sent a generic message stating : We have thoroughly investigated your claim and determined that no error has occurred. We have come to this conclusion because : The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. The provisional credit that was previously applied to your account will be adjusted. An amount of {$69.00} will be reversed on XX/XX/XXXX. 
my MoneyLion account for the returns. I was advised by MoneyLion to file a dispute. I filed dispute XXXX. Finally, on XX/XX/XXXX I was provided a provisional credit for both disputes. On XX/XX/XXXX MoneyLion sent a generic message stating : We have thoroughly investigated your claim and determined that no error has occurred. We have come to this conclusion because : The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. The provisional credit that was previously applied to your account will be adjusted. An amount of {$69.00} will be reversed on XX/XX/XXXX. Please take the necessary steps to ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. Moneylion is not to touch my account or remove any provisional funds from the account regarding the disputed transactions. I emailed them back letting them know they are to leave my account alone and have 1 person reach out to me about this. Unfortunately, filing disputes with Moneylion is awful. 

They went ahead anyways after being reported to XXXX  accreditation and reversed the {$69.00} amount and this account is now negative. MoneyLion is literally stealing money from me - I will not allow this.
Product: Debt collection

Arivo Acceptance has been harassing my husband and myself. They were told repeatedly starting in XX/XX/XXXX to stop contacting people in my family over something in my husbands name. They claimed to place a block on contacting others XX/XX/XXXX. Today XX/XX/XXXX they contacted my husbands employer/ boss. Ive asked multiple times via email and phone. Nothing is being done and they wont stop harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$6300.00}
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with National Service Bureau, they did not provide me with the original contract as requested. 
Amount {$650.00} Collector : National Service Bureau
Product: Vehicle loan or lease

In XXXX of XXXX, I received a letter advising that insurance I had covered on my car wasnt up to standards according to my loan contract! I was advised that I must have comprehension and collision insurance! This was from XXXX XXXX XX/XX/XXXX. I was told that the total amount could be split between my monthly car payments. The company advise that they purchase my premium and paid it in full! After getting email treating to shut down my car after Ive been making all the payments for both the force place insurance as well as my car note on time or early. Now the finance company is calling me repeatedly or emailing me advising that Im behind on payments and or late which isnt true! Ive paid every payment on time or early since XXXX of XXXX! Ive requested a copy of the force place insurance and a break down of how the payment was applied to this vs my interest and principal! I was told that they were taking what was needed for the interest and applying the rest towards this force place insurance and whatever after that was left was applied to my principal! At XXXX point they said XXXX $ went towards my principal. The total was suppose to be for XXXX for 12 months and that was to be paid with an additional XXXX per month in addition to my XXXX car note!. The company representative were rude and disrespectful and advised if I had my own insurance this wouldnt be happening! Since XX/XX/XXXX Ive purchased insurance through XXXX! Ive provided proof of this insurance and was advise that I still must pay an additional XXXX to cover the rest of the loan and that I only receive an XXXX credit and the rest will have to be paid and I will not get an refund! According to the information Ive research, the finance company must cancel the policy within 15 days and present a refund of the remaining amount! They are advising that this isnt true. Which I believe is a lie and they are using illegal practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

That put another company information on my account my business is XXXX XXXX XXXX XXXX Not XXXX XXXX there is no grand fathering in my company please have that company removed and the trade line thats involved and correct my information and trade lines
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent account on my credit. I disputed the original creditor XXXX XXXX and under FCRA 605 the information was removed and blocked on all bureuas. The debt was bought by a debt collector who reported it under XXXX XXXX. I disputed this again under FCRA 605 and all bureaus except XXXX removed the fraudulent information. They said XXXX provided sufficient proof to report. This is false.The original creditor stopped reporting and XXXX and XXXX removed XXXX so how was proof provided to XXXX to keep the fraudulent account but not XXXX or XXXX who have followed the FCRA. XXXX is in direct violation of the FCRA even after receiving the theft affidavit and police report.
Product: Vehicle loan or lease

I purchased the car from XXXXXXXX XXXX XXXX  who found me a lender in XXXX XXXX XXXX The car was XXXX at the time of safe I made a XXXX down payment and paid an additional XXXX for my taxes and tags. If you look at my contract they debited instead of applying a credit which balloon the price to XXXX. When I ask XXXX XXXX to look over my contract because I overpaid they sold my account and refused to do anything but send me my ledger of payments. Now Im dealing with Zinc auto who I explained this to as well are threatening to repo my car. The owe me thousands and heres my proof. Please review my attached documents as proof.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXXhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX. XXXX 15 USC 1681 Section 602A. States I have the right to Privacy. And according to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) 1. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete.

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. XXXXXXXX XXXX XXXX XXXX XXXX  Signature XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Just received my credit report, and noticed un-authorized items on my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B. The accounts listed below are the result of identity theft and do not belong to me. Account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USX 1681 s-2 A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Product: Debt collection

On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to XXXX XXXX XXXX XXXX XXXX XXXX, my response to XXXX XXXX XXXX is in response to XXXX XXXX  XXXX response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office XXXX XXXX XXXX should receive my certified response and evidence within two business day as of today XX/XX/2020 XXXX
Product: Debt collection

THEY SAID THEY WILL REMOVE TRADELINE FRM REPORT IT WAS ON XXXX AND XXXX IT WAS REMOVE ON XXXX BUT NOT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called AVANT but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called XXXX XXXX XXXX and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.
Product: Debt collection

I reviewed my credit report and I noticed I had a collection with a company called Portfolio Recovery. I have never had an account or sign any contract with this company saying that I will pay them for a collection I have no knowledge of. The company have stated they sent me a letter, they showed the letter in which I have no knowledge or address listed or a forwarding letter to my current address. This has put strain on my credit report with the collection agency trying to collect a debt in which they claim to have purchased from another company. My rights have been violated, I have not received any notification for the debt that has been reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax furnished invalidated accounts attempting to coerce me to pay. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information with the consumer. I've made attempts to resolve this issue, the most recent being XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK is reporting information incorrect on my credit consumer reports.
Product: Credit card

Terrible customer service. I opened a credit card and it has been under review for no reason for weeks so I ca n't use the card. I have called and verified my information multiple times and have confirmed the charges. I am completely upset by this company and will never do business with Chase again.