23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX 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 BANK XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hello! 

On XX/XX/2021 I submitted a complaint about Check In To Cash debiting my account after I had revoked ACH Authorization ( complaint XXXX ). After reviewing my bank account today, I see a debit from them again. Im not sure what else I can do to get them to stop getting in to my account. Help would be appreciated. 

Thank you!
Product: Debt collection

I received a claim from XXXX and Convergent for amount owed of {$220.00} with client account XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This claim is incorrect and not owed. 

Convergent Outsourcing XXXX XXXX  XXXX XXXX, WA XXXX Mess started when I tried to cancel XXXX XXXX services XX/XX/XXXX for final billing and cancellation. I had been with company for more than 8 years with on-time payments. Rates increased again, so I decided to change to competitor. 

Called again XX/XX/XXXX for final billing, cancellation and status of return packaging for the DVR. 

DVR Box confirmed received by XXXX XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX 

Received another bill from XXXX. Called XX/XX/XXXX to cancel yet again. Proration clarified for {$170.00}. I paid amount owed on XX/XX/XXXX to XXXX. 

Received another bill from XXXX. Called XX/XX/XXXX. Agent claimed account active and I signed up for another 2 years of services. Agent claimed cancellation fees owed for early termination. I responded why on earth would I return my DVR box and cancel my service, and then agree for 2 years of new service? The XXXX agent supposedly adjusted my account. 

Yet another bill received. I called XX/XX/XXXX. Agent noted confirmation XXXX XXXX XXXX XXXX XXXX  for cancellation XX/XX/XXXX. Submitted complaint to Better Business Bureau via online service. 

Another bill received from XXXX dated XX/XX/XXXX. Called yet again to Financial Services Department of XXXX, spoke with Sianthia XXXX XX/XX/XXXX after bill received. Agent stated {$0.00} balance on account and paid in full. Letter would be received in 3-5 days. 

Received letter from Convergent dated XX/XX/XXXX stating {$220.00} owed. Agent clarified that XXXX owns the debt, not Convergent. Provide backup by fax XXXX and email XXXX. Agent clarified that once letter received from XXXX, then Convergent will close out. I faxed XXXX confirmation that account closed. 

XXXX XXXX debt collection agency sent letter XX/XX/XXXX. Replied back with mailed copied of XXXX close out letter. 

XX/XX/XXXX Convergent letter received yet again attempting to collect on closed amount. 

Advice to others is to return any DVR box and equipment to a person in a XXXX store, no matter how inconvenient the location or timing. Receive receipt for equipment and {$0.00} owed. Returning via equipment return box provided by XXXX XXXX is NOT sufficient action and will result in more than a year and tens of hours of wasted time.
Product: Credit reporting or other personal consumer reports

The company sent me a 1099 form to file to the IRS due to the vehicle was sold.

i moved. several times i have to look for the paperwork.and the vehicle in question was involved in an accident and the company wanted me to commited insurance fraud so this is a retaliation towards me.i just want it remove from all showing creditors.
Product: Debt collection

Convergent OutsourcingXXXX has contacted me via USPS for a debt that does not belong to me. They told me that I owed this particular debt to a XXXX which is not true. How can these people be permitted to operate and send these bogus letters to people? When I called them they continued to state that I owed in excess of {$700.00} for a bill not paid. Clearly a huge mistake. While I was speaking to them I looked them up and realized that they are not a valid company. I also confirmed with XXXX that this charge is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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: Checking or savings account

I am the victim of navy federal oops program as Navy Federal charged surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when account showed sufficient funds at the time of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXX Opened : XX/XX/XXXX Balance : {$1400.00}.
Product: Debt collection

Letter was sent to collection agency letting them know I was in receipt of the letter they sent and I was disputing the alleged debt. I also ask them to provide me with documents verifying that Inowe them money and not a bill from the original creditor or a screen shot of information from the original creditor. I also asked them to send legal proof that they have the legal right to collect in my state and the supporting video gravy between than and I.
Product: Credit reporting or other personal consumer reports

Dear XXXXir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX both of and all of my XXXX XXXX cards where hit with fraud I am up to date on all my charges and I owe XXXX XXXX nothing. Then XXXX 2023 came and I tried very hard to get my phone number changed with my account with XXXX 3 separate times through their live chat for XXXX individuals. All 3 times using their link to send my drivers license it is not clear they received this or not. This is a security measure they use to change information in a person 's account. Now I have requested a alternative to a mandated phone call as a reasonable accommodation 3 separate times since XX/XX/2023, so I can equally use their services yes I am XXXX. Capital one does not care to realize their are other types of XXXX that one who is physically XXXX, they insisted they are following XXXX laws by telling me to use telecommunications relay services! In which my XXXX prevent me from using a phone period! I don't know this stuff and do not care to know this TTY stuff. I recieve paperless bills but XXXX XXXXXXXX refuses to change my phone number since XXXX of 2023 so that I could pay the only debt I owe with XXXX XXXXXXXX and this is my annual fee for my XXXX XXXX card. I did report this in the beginning with the CFPB and because nothing was resolved I suffered damages and grief from this. MY CREDIT SCORE MY PERFECT CREDIT SCORE WAS TARNISHED! XXXX XXXX  reported delinquency for something that is their fault not mine. I need that credit so I could apply for a home repair loan to fix emergency major repairs to my house! Yeah thanks XXXX XXXX. When XXXX XXXX decided my XXXX are not covered under the XXXX they made a very very big mistake! I want all negative marks erased! I want XXXX XXXX to get over their head trip of security nonsense and change my dam phone number in my this is my # now ( XXXX ) XXXX but if you call I will not answer. XXXX XXXX requires a valid phone # just to get and keep a XXXX XXXX credit card. I want XXXX XXXX to waive their fees they put on this - my not being able to get into my account and pay my annual fee for my XXXX XXXX  card. And I want XXXX XXXX to send me my new credit cards for my XXXX XXXX XXXX XXXX cards. They have canceled out my cards I have and nearly 5 months later I have yet to get my new cards. That caused caous when both cards got hit this whole experience with capital one has caused grief and real damage. If the CFPB chooses not too resolve this until this is completely resolved I will be forced to file with XXXX rights of New York for violations to the XXXX and XXXX XXXX. Hud is already aware with this situation XXXX XXXX XXXX XXXX hud enforcement division. CFPB your partially responsible for this continuing and causing harm
Product: Vehicle loan or lease

I have a loan with Wells Fargo Dealer Services XX/XX/XXXX and I was paying roughly XXXX every month for the loan they raised the payments to XXXX a few months later. I got my hours at work cut by half and had trouble making payments to my other bills shortly thereafter. I kept the loan with them in great standing making my payments on time given the circumstance. I had family hardships with a family member being injured and not being able to work since XX/XX/XXXX my monthly expenses grew even more so I started falling behind on the loan. I was able to get back on track with the payments by setting up a payment plan but as a result of making partial payments I was deemed late and it showed on my credit report. I tried to see if they could help me out with some goodwill on removing those off my report but had no success. I'm currently trying to improve my credit and I'm hoping this could help clear up some of those marks against me to get a better job in the future.
Product: Mortgage

I lost my job in XXXX of XXXX and was without an income until the end of XX/XX/XXXX. I was unable to make mortgage payment in that timeframe and for a couple of months after that. I contacted Fay Servicing in regards to loss mitigation with my mortgage at the end of XX/XX/XXXX. I was sent a loss mitigation packet in which I put all documentation together and emailed to them XXXX XXXX. I received a letter from Fay Servicing with additional documentation required which I sent everything to them except for a XXXX W2 which I could not locate. I contacted Fay Servicing to let them know same. They were supposed to have the account manager return my call which was never done. I sent all other information they were looking for with a clear message that I was unable to obtain the XXXX W2 on XXXX XXXX. I never heard anything back. I attempted to contact Fay Servicing several times in XXXX never receiving a return call from the account manager. Finally on XXXX XXXX I was finally able to speak with the account manager who told me there was nothing he could do without the XXXX W2. I managed to get a copy of it and emailed it to him XXXX XXXX. Again I heard nothing from the account manager or did I receive any mail stating there was any outstanding documentation. I again proceeded to attempt to contact the account manager the last week of XX/XX/XXXX. I made several calls that were not returned until finally I left a nasty message which was finally returned on XXXX XXXX. At that time I was told that the company now needed my XXXX W2 's and a copy of my XXXX tax return. I forwarded the requested information the very next day on XXXX XXXX. Again heard nothing. On Wednesday XXXX XXXX I received a notification not even to me but to the tenant in the house ( my home is my primary residence there are no tenants ) that my house was going to Sheriff 's sale XX/XX/XXXX. This was the first notification of any kind that I had received of this nature. I immediately contacted the account manager who did not return the first call, I called and left a second message again getting nasty. The account manager proceeded to tell me that my file had been closed on XXXX XXXX for not receiving the documentation requested in time. Every time any documentation was requested I emailed it to the company within two days of the request ( I have copies of all emails sent ). After explaining that I had copies of everything sent to them via email the account manager said he was going to attempt to get the processing unit to reopen my file. He also told me to contact him Friday XXXX XXXX to find out if he was able to have this done and the worst case scenario would be to start the process all over again. I contacted the account manager, XXXX XXXX, XXXX XXXX at 11:00 AM with not return call. I then proceeded to get on the offensive and resubmit the entire application online Friday afternoon. I am in danger of losing my home and receiving no help from the servicer. It almost seems like they are intentionally trying to cause the loss of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX  Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on my credit report XXXX XXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX XXXX and Experian. first off XXXX  doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX  has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
Product: Checking or savings account

On XX/XX/20 I wasnt able to log onto my Chase mobile banking for reason of suspicious activity. I tried calling on XXXX, but the department was already closed. On XXXX I called Chase and was informed that my accounts were being restricted and being closed and would be sending me a cashiers check for the balance in my checking and savings accounts. I also went to Chase to try to get an explanation of why my accounts were being closed and they couldnt tell me. Ive been a value customer for over 25 years. I did make some international wire transfers to help a family member overseas that is stranded there due to COVID-19 for help with attorney and hospital bills as he he was hospitalized while there. Dont know if this has something to do with it. Im extremely  upset that they wont tell me why so I can provide any necessary documents if needed for proof if this is the reason. I really want to continue my relationship with this bank. They wont even let me open another account. I feel I deserve an explanation and remedy the situation if I can. My payroll is direct deposited through them, most of my bill are automatically withdrawn here, along with getting my sons SSI benefits. Ive never had an overdraft on my account or any problems.
Product: Debt collection

I don't recall having a contractual relationship with PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

Union credit is making a second attempt to collect on a debt that is not mine, Union alleged that the debt is from a hospital I explain to the rep it is not my debt She was rude, kept calling back from different numbers proof enclosed I want an itemized list of the debt that they allege is mine I tried to explain to the rep that I am fully insured so the debt is not mine I reported them here. Which they are under another name, which should be illegal now their name is Union credit. When I reported them here they remove the debt a few months later they put the debt back only under a new name They have repeatedly harass me on my cell phone calling day in and day out when they were told to stop, letters were returned to them at the same address as their first business name this Union credit is a new name but same people I feel this company is shady and taking advantage of the community
Product: Debt or credit management

I was mislead and lied by spa services advertising XXXX dollars facials and got signed some paper that landed me into a company called cherry that I did not know was to pay upfront for the services I never received and they are trying to collect from me for services I didnt got
Product: Mortgage

Loan servicer since XX/XX/XXXX. 
Escrow analysis of XXXX of XXXX showed a shortage, which would increased mortgage payment by {$600.00} a month. 
Inquired within the company on XX/XX/XXXX, who offered to extend the shortage payoff over additional time which brought payment increase to $ XXXX  month. 
I paid the total amount due at that time, and the amount due was not the adjusted amount. 
After submitting payment, the amount due was adjusted, I was not notified, and due to the adjusted amount, there was a {$400.00} difference. 
In XXXX, as I went to make monthly payment, the account was marked Past Due. I called again to the company, they apologized for confusion, noted my XXXX payment, and the amount due did in fact adjust after my payment. The difference amount due of {$400.00} was paid at that time and account was brought to current status. This was reported to the credit union as a delinquent account. 
My complaint is first, how does an escrow analysis show such a deficit where ones mortgage payment is increased by greater that {$600.00} a month! 
Secondly, reported delinquency to the credit union due to past due amount, although the total amount due changed after the payment was made. ( Total due on XX/XX/XXXX. After the total due was paid in full on that day online, a later day the amount increased to by {$400.00} without notice to myself with email or call to I form amount changed and should be pain in full by XX/XX/XXXX. 
I find myself extremely fustration and lacking any control. Will my mortgage increase yet again? Are they making correct analysis? They have been informed all along of the town taxes and insuramce rates. How does this happen? I am fearful, as a single mother of XXXX XXXX  children, how can a mortgage amount changed so drastically? 
Then the internal confusions of working with the company which results in credit reporting.