23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CONVERGENT OUTSOURCING, INC. has paid the XXXX to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft.
Product: Mortgage

Good morning, Positive this is review is without bias and or inclusion, I would like an explanation why my voluntary child support and my child support is not being considered. My son turns XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
Attached you will find a copy of my sons state ID. I have submitted my concerns to the CFPB, just to make sure I receive that your policy is inclusive and there are no bias based on protected class. You repeated the payments must continue for three years, but confirmed the income would not be considered bc he will be XXXX in less than 3 years. Not to mention, his father confirmed he resides in the property and will continue to the household beyond the threshold quoted. 
36 months o There are 36 months from XX/XX/XXXX to XX/XX/XXXX According to the mortgee document below it states : https : //www.fha.com/fha_article? id=883 How are  voluntary payment arrangements for alimony or child support documented? 

The Mortgagee must document the voluntary payment agreement with 12 months of canceled checks, deposit slips, or tax returns. The Mortgagee must provide evidence that the claimed income will continue for at least three years. The Mortgagee may use the front and pertinent pages of the divorce decree/settlement agreement and/or court order showing the financial details.
Product: Mortgage

Working a short sale for XXXX of our clients. File was submitted to the jr. lien holder on XXXX. On XXXX we received XXXX lien approval in which the approval letter expires on XXXX. There has been no contact to the law firm from BSI except for a couple of occasions. On XXXX BSI was informed that the XXXX lien approval letter expires on XXXX. On XXXX BSI was contacted for an update - no updates were made to the file. On XXXX was advised that the file was submitted to the investor for approval and to allow 10 business days for the approval letter to be received. As of today XXXX we still have had no contact from BSI to the approval and not approval letter has been received. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a loan out with Money Lion since XX/XX/XXXX I paid off the full balance on or before XX/XX/XXXX. 

That loan has been paid in full and closed and a new loan has been initiated. 
They haven't reported old loan as closed and haven't reported the new loan as open They are two separate loans
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting information on my credit report. I have no knowledge of this debt. XX/XX/year> I requested validation of the debt and never received it.
Product: Vehicle loan or lease

XXXX XXXX acceptance repoed my vehicle with my personal items and have t contact me to resolve this, my clothes and other personal belongings was stolen out of my possession and they also contact someone to illegally stalk me
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries from : XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Target Fin/TD XX/XX/202XXXX XXXX XXXX  XX/XX/2022 2022
Product: Debt collection

CREDENCE RESOURCE MANAGE has engaged in harassment by abusively calling the above mentioned number numerous times every day of the week without relent. These calls start as early as 7 am and don't stop until as late as bedtime.
Product: Debt collection

On XX/XX/2020, sent certified letter to Plus Four, Inc requesting validation of debts being reported to reporting agencies. 
XX/XX/2020, Plus Four, Inc sent a response stating they were unable to locate my account with the information provided and to provide account numbers for each entry on each agency 's report. 
XX/XX/2020 sent certified letter again to Plus Four, Inc with all account information as requested and requested validation of the debts being reported. 
No response from Plus Four, Inc was received. 
In XX/XX/2020, I received a notification from XXXX XXXX that the information had been deleted from my credit report and my score had increased. 
In XX/XX/2020, received notification from XXXX XXXX that my score had decreased due to updates on my credit reports. When I reviewed the details, I noticed that Plus Four, Inc had re-added these debts to my report, yet they had NOT provided validation as requested in my letter sent on XX/XX/2020. 
Additionally, they continuously adjust the amounts being reported, although in Nevada, I don't believe they are allowed to add interest to collection accounts. I have informed Plus Four, Inc that I do not recognize these debts and asked them to provide validation and they did not. They temporarily removed the entries, then later reported them again without complying with my original validation request, which I feel has violated my rights according to the FCRA. 
I am very frustrated with their tactics and reporting this incorrect information is having a substantial negative affect on my financial situation.
Product: Debt collection

Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from XXXX XXXXXXXX XXXX XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt. 

The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits. 
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.
Product: Mortgage

I applied for Texas XXXX XXXX  XXXX and was told that I meet all the requirements for them to pay my past due amount plus three additional months. They have reviewed my application and the only thing they need in order to approve me for the funds is for my mortgage servicer to register with the XXXX program. My mortgage servicer is Randolph Brooks Federal Credit Union and they admitted to me that several customers have been denied funds because RBFCU has not registered to participate in the program. RBFCU will only tell me that upper management and their legal department are looking into, but they can't guarantee that they will participate or give me an ETA on how long it will take for them to decide. In the meantime, I am still at risk of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my account This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 of the 3 credit agencies had my current address listed incorrectly. A quick phone call to one of those companies (XX/XX/XXXX XXXX fixed the issue. However, despite 3 contacts with EquiFax ( and an email claiming that my address was fixed ), my current address is still listed incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my credit report by a company within your jurisdiction. Despite submitting a dispute on XX/XX/2023, through certified mail with tracking numbers # XXXX ( XXXX XXXX, # XXXX ( XXXX ), and # XXXX ( Experian ), the company within your jurisdiction has failed to address my dispute. 

I have made multiple attempts to follow up with the company within your jurisdiction, but it appears they are deliberately avoiding my dispute by not picking up my documents from the post office. This is not only a violation of my rights as a consumer, but it is also a clear infringement of the Fair Credit Reporting Act. 

I demand that the Consumer Financial Protection Bureau takes immediate action to investigate and address this matter. I also request that you hold the company within your jurisdiction accountable for their failure to respond to my dispute and for any further delays or non-responsiveness. 

As a consumer, it is my right to have my credit report accurately reflect my creditworthiness, and I will not tolerate any further delay or mishandling of my dispute. I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX  Account # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that 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: Bank account or service

I have a XXXX checking account ending in XXXX with Chase for last 12 years. Of late my overdraft charge scenarios has gone uncontrolled leading to overdraft for overdraft related negative account balance. XXXX such example is show below. 
1. On XXXX/XXXX/16 during the day my account balance fell below o. 
2. By that night had deposited {$200.00} and had brought the balance to positive {$54.00} - Proof is in ATM receipt attachment 3. However above referenced deposit was overlooked and was charged XXXX overdraft fees on same day = XXXX/XXXX/16 of {$34.00} each totaling to {$68.00} resulting in my account going negative again.Proof is in second attachment 4. Fortunately has a tax refund the next day which saved additional overdraft charges. 
I spoke with Chase customer service at different levels to get this addressed but I was given various technical reasons and nothing was done. I am going through an acute income reduction chase and would appreciate if this issue could be resolved and account funded back with this incorrect {$68.00} overdraft fees.
Product: Debt collection

On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency is MCM. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bill. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$4400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter a

ddressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

XXXX XXXX XXXX contacted my relative about a disputed account without my express permission. Additionally, the account in dispute was subject to a special payment plan with Citibank for 48 months at XXXX XXXX which originated XX/XX/year>. Citibank did not uphold this agreement and sold the account to XXXX XXXX XXXX without notifying me in writing.
Product: Checking or savings account

It will not let me connect my account with the XXXX XXXX. I am employed and have checks deposited every other Friday.
Product: Credit card

From me American Express collected five insurance premium over-payments totaling {$250.00}. Of these AmEx refunded me only {$100.00}. Hence AmEx owes me another {$150.00} ( {$250.00} - {$100.00} = {$150.00} ). 

According to the attachment from your records and your analysis you, American Express, tell me that - On XX/XX/year>, ( my ) account was billed {$50.00}, which provided ( insurance ) coverage through XX/XX/year>. On XX/XX/year>, American Express received ( my ) payment in the amount of {$100.00}, leaving ( my ) account with a {$0.00} balance due as of the closing date XX/XX/year>. 

You conclude- {$0.00} balance due on XX/XX/year> '' in error. 

Instead, as of the closing date XX/XX/year>, after on XX/XX/year> having just made a double-payment in the amount of {$100.00}, I had a {$50.00} credit coming that you disregard. 

Then you say - On XX/XX/year>, ( my ) account was billed {$50.00}, which provided ( me ) coverage through XX/XX/XXXX, XXXX in error. 

To the contrary, after I had just made a double-payment on XX/XX/year>, it follows that on XX/XX/year> you billed me an extra {$50.00} in error. That is, by double-payment on XX/XX/year>, I had already paid for coverage for two months, from XX/XX/year> through XX/XX/year>. 

Then on XX/XX/year> you received my triple-payment totaling {$150.00} ( {$100.00} + {$50.00} = {$150.00} ). In error you deducted the extra {$50.00} payment that I did not owe, because, as I here repeat, on XX/XX/year> having made a double-payment, I had already paid for coverage through XX/XX/year>. 

Then on XX/XX/year> you received my final double-payment in the amount of {$100.00}. Its all in your attached records. Thus, in error from me you collected five over-payments totaling {$250.00} ( {$150.00} + {$100.00} = {$250.00} ), then refunded me only {$100.00}. So you owe me another {$150.00} ( {$250.00} - {$100.00} = {$150.00} ). Now please refund me the {$150.00} credit balance remaining on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX XXXX {$58.00} XXXX XXXX  XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX   XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019, XXXX XXXX, XXXX XX/XX/2019, WELLS FARGOXXXX XXXX XXXX, XXXX XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.