23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received notice from Convergent Outsourcing Inc regarding a XXXX bill. As I have numerous XXXX accounts I asked them to send validation of the debt and what was the service address. They sent a letter saying it is a valid debt and included a XXXX statement dated XX/XX/18. It had no information as to the location nor why the money was owed. I called Convergent. I was told this was the only information XXXX provided them. I was told to call XXXX which I did. XXXX had no information because they apparently sold this account to Convergent. According to XXXX, Convergent has all information on the account. 

There are several problems here. I realize it is a small amount. Had I received a bill in XX/XX/2018 I would have paid it. Now 2 1/2 years have passed and the collection agency, out of the blue, wants me to pay a bill that neither they, nor their client can provide me proof of the debt. 

And the collection agency says, again, that I need to get this information from XXXX. XXXX looked it up by my SSN, the account number, the phone number, etc. My issue is, if these companies are going to buy and account, then they must assume responsibility for the information they have. If not, then drop it!
Product: Debt collection

every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX.
Product: Vehicle loan or lease

I paid our loan on time via automated phone system. Over a month passed when I started getting calls our payment was late. Spent two weeks being told I was fine but still getting collection calls. After a month of trying to figure out what was going on I was informed the phone payment did not go through as it was a bad account number. This was almost two months after we made the payment to finally get this information. I spent another few weeks calling and getting promises but no replies from GM Financial to correct late reporting issue. The last communication I had with them was they were reporting me 60 pass due and there was nothing they could do for me. I requested a manager call me and again was promised I would get a call back ... .after two more weeks and never getting a call back, I just made three payments. 

Do not consider the fact that it took them over a month to clear a payment and another month plus of confusion and no replies that I should get reported 60 day plus pass due.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 MONTHS REPORTING LATE 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. 

This company 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 1002 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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
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 15 U.S.C 1681 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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. Company responded saying they cant find my information or a credit report
Product: Mortgage

I had stayed behind on my mortgage and what I had applied for was a loan modification and they ended up giving me a subordinate deed of trust I didnt know what it was till I tried to get an equity loan to pay off some bills, and found out that HUD has XXXX liens on my property one of them which is a very high amount and I want to know how they came out with such a big amount! I called HUD and they told me I needed to get with Chase Mortgage to ask them how they came out with that amount and I i did. Spoke to XXXX she didnt know why and couldnt give me an answer so now I here not knowing what happened not being able to get an equity loan cause of those liens please help me
Product: Prepaid card

I, XXXX XXXX am writing this letter in regards to my stolen prepaid card that was sent to my residence. The card ending in XXXX was never received by me. I asked that the security department of Bank of America do its due diligence by checking camera footage at any atm machines funds were withdrawn from. I never used, nor received the prepaid card that was mailed to my address at that time. I have filed a police report for the matter as well. 
Initially, I thought my claim was denied by UIA since I hadnt received any communication or funds from UIA.

I only was made aware funds were dispersed when I contacted UIA for an update. 
I never received the card and Ive been railroaded in between Bank of America prepaid card services. 
This situation took place at the height of UIA fraud. Fraud related to UIA was worldwide and Bank of America was well aware of the matter. This is all the more reason why my case should be taken more seriously.

The offices of UIA Michigan have told me to take matters up with Bank of America prepaid services.

My claim has been denied twice and I was told it was simply because the perpetrators used my credentials such as my Social Security number to activate the card. Denying my claim simply because someone used my social security number to activate the stolen card is wrong considering the amount of access criminals have to get victims ' personal information. I had no idea that my funds were being issued on a prepaid card. 
I am owed {$14000.00} in benefits that I never used.

I have been told something different by each representative at Bank of America I've spoken with whenever I called.

This has been an awful experience and I have gone into the branch to verify myself and fax over all of the documents I was asked to send. This is the third time theyre reopening my investigation. Im sure theyll find another reason to deny paying me. 
My claim number is XXXX and the date I filed the claim was on XX/XX/XXXX. The funds were stolen between XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My Experian account was hacked. No one is answering the phone and my Experian account information has been changed. I can not log in! 

Experian will not return any calls and there is no emergency number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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: Bank account or service

I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.
Product: Debt collection

I received a letter from Portfolio Recovery Associates stating that the debt they are trying to collect is valid. The included a copy of court documents, and a copy of a bank statement. I contacted the Court and requested all documents related to this case. The Court documents state that the Judgement Creditor is Portfolio Recovery Associates LLC, and the Judgement Debtor is myself. This document dated XX/XX/XXXX that was filed on XX/XX/XXXX by the County Clerk has Portfolio Recovery Associates attorneys signature on it stating " Judgement Debtor ( s ) : MY NAME and XXXX XXXX, and the marital community comprised thereof. Amount or type of satisfaction : FULL SATISFACTION The judgment creditor acknowledges receipt of sums of money owing either in full or in settlement of the judgment rendered against the judgement debtor ( s ) on XX/XX/XXXX in the above entitles court and does hearby authorize the Clerk of the Court to enter a full satisfaction of said judgement in said amount '' " On this day personally appeared before me. PORTFOLIO RECOVERY ASSOCIATES ATTORNEY, known to be the individual who executed for foregoing instrument, and who acknowledged that singing this document free and voluntarily and is authorized to execute this document '' Again, this document was signed by the attorney for Portfolio Recovery Associates and filed by my counties Clerk. 

This document is also notarized and signed by a notary public stating that they have " given under my hand and official seal on XX/XX/XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information all of my credit files that is inaccurate. Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/2019 as the date the account was opened. XXXX is showing that my account was opened on XX/XX/2019 and EQUIFAX is showing that my account was opened on XX/XX/2019. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.
Product: Checking or savings account

On XXXX XX/XX/XXXX a total of {$24000.00} was stolen from our ( XXXX XXXX and XXXX XXXX XXXX ) Chase Bank Account based in XXXX XXXX, CA through wire transfer fraud whereby these funds were wire transferred to XXXX XXXX XXXX XXXX of XXXX Florida without our approval or authorization. The description of the wire transfer was for the purchase of XXXX XXXX automobile. We did not order, or purchase a XXXX XXXX in XXXX of XXXX nor has XXXX been transferred, shipped, or delivered to us. Contacting the alleged seller they have no knowledge of this transaction, and did not receive a wire transfer. This fraudulent activity was not approved and was direct theft due to identity fraud. Our Chase bank account was " hacked '' and compromised and funds were illegally wire transferred to this unknown, unapproved account by a criminal 3rd party committing interstate wire fraud. Chase bank allowed this transaction to be processed despite the initial blocking of this transaction and our statement that we did not approve this transaction, and our demand to lock the account. 
The attachment indicates that the Chase had blocked the fraudulent wire transfer on XX/XX/XXXX pending the security review. At that time we believed our account was locked and protected. After the XXXX of XXXX additional attempts by the hacker thief/criminal were allowed to result in an unauthorized wire transfer ( via XXXX, and domestic wire transfer ). We had responded to Chase email inquires questioning if these transactions were authorized, and in every instance we stated that non of the transactions were authorized and that the account should be locked. Chase failed to lock the account, and allowed fraudulent wire transfers to be made despite clear indication that they were fraudulent in nature.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and equifax have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, and equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again.

OK so lets start out again this is a repeat probably XXXX times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes. Particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claim adequately. They informed me that lost funds was impossible to recover and tracking was unfeasible.the cfpb findings indicate that XXXX has neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving us vulnerable to Scams.this lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
I previously sent all my documents to Experian, XXXX, and XXXX, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account does not belong to me U S DEPT OF ED/XXXX/XXXX Ive disputed multiple times it keeps coming back verified but I have received who verified it and how they verified it its 2 accounts one is {$47.00} and the other is {$50.00}