23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was scared and paid the settlement amount today on XX/XX/XXXX with XXXX XXXX XXXX XXXX, For the amount of XXXX on my card, They said i owed the back from XX/XX/XXXX XXXX and threaten to take a law suit out on my. They sent me a email to sign and sent me a confirmation for payment paid in full. There number is XXXX. I am so angry as i am seeing this is a scam to pay old debts and i don't remember having this with 5th third bank. I told the gentleman that i thought i had settled it with them as it was fraud and no one has contacted e and not on my credit report. He insisted they have contacted me at an address i lived in 8 plus years ago. I don't know what to do now.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from all 3 credit bureaus. Upon checking, I can see that there are several unauthorized hard inquiries on my reports that are interfering with my ability to obtain credit and maintain a favorable score. 

The unauthorized inquiries are as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted all three bureaus requesting to have these hard inquiries removed ; however, the response I'm getting is not providing the results needed to have this matter resolved.
Product: Debt collection

Convergent Outsourcing sent me a letter stating I owe for a XXXX account without any dates or information that helps identify the debt. I has a so-called Original Account number on it, but when I called XXXX they had no idea what the account number Convergent provided goes with. I have not been getting any letters from XXXX nor have I had an account with them for about seven years. I had some issues with them at one point but I paid that account off in full and any outstanding checks from it as well. This is not a valid debt and I believe Convergent is in the habit of " farming '' old debt records in the hopes of fooling people and getting money from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XXXX account over the past 2 years and nothing has been done to correct the issue. Transunion finally removed the account and then reinsert the account without my knowledge or notification. XXXX is required to provide validation to me and Transunion before an account can be reinstated and XXXX did not. Transunion is supposed to notify me within 5 days according to the FCRA and Transunion failed to do so. Transunion must permanently remove this account and not allow it to be reinstated. The CFPB must report XXXX to the FTC and hold Transunion responsible and pay me for the multiple violations. I can show proof that Transunion has allowed at least XXXX violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and Transunion refusal to pay. I was willing to settle and Transunion refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and Transunion has violated each and every one. Transunion must be held accountable and I'm entitled to payment within 14 days and the removal of this account. XXXX has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. XXXX has continued to reage and report inaccurate information and Transunion is guilty of allowing them to continue to hurt my credit. I'll be able to show because of Transunion allowing XXXX to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. Transunion must pay for the violations it has allowed by XXXX and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.
Product: Student loan

TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX PA XXXX PRODUCED A PRIVATE LOAN FROM 20 YEARS AGO AND DEFAU ; LTED ME CAUSING BAD CREDIT
Product: Credit card or prepaid card

I have received '0 % APR introductory rate ' offers from this company at a frequency of 2-3 times a month for the past year of so. In XX/XX/XXXX I foolishly accepted the best offer I had received from them to date, against my better judgement ( based on online reviews of the company and it's practices ). The offer was for a 0 % APR until XX/XX/XXXX, and seemed too good to be true, but, as my fiance and I were planning our wedding, having access to extra credit was a godsend. The wedding was in XX/XX/XXXX, and we were lucky enough to receive financial support from our parents, meaning that I had the cash needed to pay off the card in full sitting in my savings account, but did not, as the contract I signed meant that the balance should not incur interest until XX/XX/XXXX. 
In XXXX, I checked my statement and found that they had been charging me interest at 24.74 % for the months of XXXX and XXXX resulting in a total of {$110.00} in interest charges. As soon as I noticed this, I requested the company send me the original terms and conditions using their online portal, however, the document I received was the *current* interest rate. To sort this out, I called their customer service line on XX/XX/XXXX. After waiting on hold, I was told that they only offer promotional rates for 6 or 9 months, and so I " must have signed up for 9 months ''. I said that I am certain the offer was for longer than that, because I meticulously keep track of my finances, and a quick perusal of my accounts would show as much. Because the customer service representative started getting very cagey, I requested to speak to his supervisor. After waiting on hold for over 20 minutes while she supposedly read through my contract, she came back with the same " we only offer promotional rates for 6 to 9 months, so you would have to fax us your original agreement ''. I got the fax number from her and proceeded to request that she email me a copy of the *original* document she was reading through, as it is not possible to do so via their portal. She assured me she would email it to me, but did not take my email address. When I then stated that I plan to disputing these interest charges because they had failed to inform me of the increase in interest rates within the 45 days stipulated in the Credit Card Accountability Responsibility and Disclosure act of XXXX ( Title I, Sec.101 ), she hung up on me. 
I have copies of my statements which show that in addition to not sending me any advance notice, the " Account notifications '' portion of the statement where they state " Welcome to your account notifications. Check back here each month for important updates to your account '', did not contain any notifications of this interest change.
Product: Checking or savings account

I made a cash deposit into my checking account on XX/XX/18 at XXXXXXXX XXXX PST. On XX/XX/18 at XXXX XXXX  PST I logged onto my account and see that this deposit has NOT been credited to my account. This has made my account go to a negative status AND I was unable to withdraw cash this morning at XXXX XXXX PST. 
This is UNACCEPTABLE. There is no excuse or reason for this other than the bank 's error. I called their headquarters when they opened at XXXX XXXX Mountain Time Zone, XXXXXXXX XXXX PST. They said there is nothing they can or will do and to go into my local branch when the bank opens at XXXX XXXX. I was going out of town this morning, leaving at XXXX XXXX, and have cancelled my plans due to this error. I have very little money and this has altered my plans and created undue stress for me. There is no valid reason for this to occur.
Product: Money transfer, virtual currency, or money service

I made a purchase thru PayPal and requested thru PayPal to return an item because it was defective I also requested a return shipping label and was told to bear the cost of shipping myself Why should I pay for shipping for a defective item?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about an error with XXXX XXXX balance not being correct on my report. I submitted paid in full receipt from company. Experian reports back that the item disputed remains and that the company verified that it is correct. I received this report back onXX/XX/XXXX.
Product: Debt collection

After numerous attempts to try and delete these fraudulent accounts from my credit reports I still haven't received verification of these accounts that aren't mine, the credit bureaus and the company who has added these fraudulent accounts have refused to investigate under my Fair Credit Reporting Act. The collection agency and the accounts are as follows : FIRST POINT COLL RESOURCES INC. 
ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX
Product: Debt collection

TO : Consumer Financial Protection Bureau. 
I received a collection notice letter dated XXXX XXXX from ConServe Continental Services Group Inc. with their address : XXXX XXXX XXXX XXXX XXXX NY XXXX for the amount of {$590.00}. It claimed that I owed the XXXX XXXX XXXX XXXX for the debt account of XXXX. It stated I should pay the said amount to the XXXX XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. No where in the letter are stated the DETAILS or documentation of their claim. It was mailed to my old XXXX XXXX CA family address. I have copied them my complaint to CFPB and attached it to my reply to the ConServe. - XXXX XXXX XXXX now residing in XXXX XXXX XXXX XXXX in XXXX Maryland XXXX
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Mortgage

My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX, I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for " autopay '' that will start with XX/XX/XXXX payment, and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday, XX/XX/XXXX, I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called " immediately, '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover, they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention, that they owe homeowners like me an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 XXXX XXXX XXXX XXXX, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

Automated Collections, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 ACIMA Digital FKA SIMP Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account XXXX XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report
Product: Payday loan, title loan, or personal loan

I used my TD Bank credit card for online purchases and to buy gas. During one of those transactions someone shared or gave my card number to 3rd parties to make fraudulent purchases, manually keyed in from various locations in the US, and FL in the amount of {$2600.00}. A TD Bank employee alerted me to the scam purchases when I went in to check my balances. He then called CARD SERVICES on my behalf however he misrepresented many items I was not sure about and without my permission " filed an official dispute '' contesting charges that I made along with the charges I did not make to this card services department. When I was able to see my actual credit card statement, ( this bank teller could not show it to me ) I was able to file an accurate report of the actual fraud. That report was ignored in favor of the unauthorized " report '' that unbeknownst to me was sent in by the bank teller. Repeated efforts asking TD Bank to correct the card account has resulted in TD Bank saying a chip was used when I got gasoline, for that reason they are throwing out all the manually keyed in transactions that happened before and after I did not make. I've filed a police report and turned it into TD Bank. They are by law only allowed to charge {$50.00} for unauthorized use of a card, when the fraud is reported and they are trying to charge me {$2600.00} and I have paid at least {$100.00} interest on this amount so far. I have never had a problem with the XXXX XXXX account I have had for 30 years but went with TD Bank, because it was more human. Unfortunately, that means more human error.
Product: Credit reporting or other personal consumer reports

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Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

There was fraud activity on my account and Noone resolved. They just closed my account without proof. Fraudulent checks were written on my account without my knowledge and they still closed my accounts
Product: Credit reporting or other personal consumer reports

I have never had a account with us bank. I have asked for proof of verification and have informed them the two accounts were not mine. They have a address in XXXX tx, I have never lived in XXXX.
Product: Debt collection

XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credir reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute with the car company Santander and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. Santander is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, XXXX ). I've disputed multiple times with the agencies and with Santander and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Product: Credit reporting or other personal consumer reports

I Am filing a Complaint against Experian for failing to properly investigate my Disputes regarding inaccuracies in my credit report. Despite my submissions, Experian Constantly responding within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation.This practice Violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Which Mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the nessary proof of investigation. the accounts I reported are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered there are several inaccurate accounts and charges on my Equifax report as a result of identity theft. As a result, they are destroying my credit. These accounts are as follows : XXXXXXXX XXXX XXXX Inaccurate charges due to identity theft Account # : XXXX Date Reported : XX/XX/2019 XXXX  XXXX Fraudelent Charges. Don't belong to me! 
Account # XXXX Date Reported : XX/XX/2019 XXXX  XXXX INACCURATE CHARGES DUE TO IDENTITY THEFT. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX Fraudelent Charges that do NOT belong to me as a result of Identity Theft. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX Fraudelent Charges and victim of identity theft. No knowledge of this account and charges. Please validate!!! 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX I recently received a collection letter from XXXX and was shocked! I have no knowledge of these charges and believe i have been a victim of identity fraud!!! 
Account # : XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. Please update the accounts : XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 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.