23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the second or third time I have been harassed in regards to a fraudulent transaction that was authorized by XXXX XXXX. 

I have submit previous complaints in regards to this matter that I reported both to XXXX XXXX  's Fraud Department as well as the XXXX XXXX XXXX Department 's Fraud Department. 

All documents were turned over to the XXXX Sheriff 's Department for fingerprinting and analysis since the people in the local branch of XXXX 's Fraud Department did not want to take responsibility for clearing a fraudulent check. 

The Detective I spoke with in XXXX Sheriff 's Department stated the funds were sent out of the state of Florida and into XXXX, Ohio and the state of Illinois. I was advised the information was given to the authorities in those states and there was nothing more the state of Florida could do. 

This information has been previously reported to XXXX XXXX in addition to complaints previously submit on this CFPB website in regards to this matter. 

It was a case of fraud that I turned over to authorities. XXXX is well aware of the situation and had access to the information that I personally walked into the local branch and gave to them. 

I no longer have an account at XXXX XXXX. They cashed a fraudulent check and failed to protect myself and my children as one of their accounts. They lost my trust in addition to my business and access to my hard earned money. 

I have reported this issue before. XXXX needs to understand the continuous harassment can, will and should result in violations and fines. 

I have repeatedly given them the information they do not want to admit. I have repeatedly told them via phone and writing ... DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER. DO NOT CONTACT ME VIA PHONE, MAIL OR EMAIL EVER AGAIN IN REGARDS TO THIS MATTER. 

XXXX XXXX  cashed a fraudulent check. I depended on them to protect me and my children as clients. I needed a bank that would protect my account. That includes Fraud Protection. XXXX failed. 

They were given the information that they did not want. I turned all documents, envelopes, everything over to the XXXX Sheriff 's Department. 

This has been documented previously and in several complaints. 

Now I am getting contacted by a company called Convergent Outsourcing , Inc . They either bought or got sold what is called " bad paper '' also known as " dead paper. '' This is a Professional FYI to Convergent Outsourcing, Inc. : I am not going to waste my time on making a phone call to your office only to have to educate one of your inexperienced " agents '' reading off of a script called " How to do Debt Collections for Dummies 101 ''. However know this now, here it is in writing ... DO NOT CALL ME NOR CONTACT ME IN REGARDS TO THIS MATTER EVER AGAIN. 

XXXX XXXX has a huge problem since they have been warned previously. XXXX XXXX  cashed a fraudulent check. They know it as I have previously reported them. Their authorization has been revoked. I do not trust them with my money. They lost me as a client. DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER.
Product: Credit reporting or other personal consumer reports

I agreed to settle a charged off debt with US bank if they were to remove the negative reporting on all three credit reporting agencies and verbally over the phone with the representative agreed and paid the requested amount to settle the account in full. I was never informed about a 1099c because this is now income nor did I receive such documents. I filed a dispute with XXXX but nothing was done? There are FDCPA violations on the reporting alone but showing on there own credit reporting report that the account was XXXX days late than ND XXXX days late and no charge-off showing even though it was charged-off in 2022? Again no 1099c and no debt validation received about the debt? At this point XXXX is violating FDCPA by reporting inaccurately. US bank is as well in violation of the FDCPA by reporting inaccurately. As you can see from the XXXX different reporting agencies that the information does not match which just proofs the inaccurate reporting. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given by both parties involved. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Debt collection

I got an alert from my credit bureaus that a debt was reported. I have no ideal what this debt is for and I Never receiving anything in writing system that I owe this debt with this collection agency. My FCRA rights have been Violated as, 1- I never received any Notice in Written from this company about this debt.
2- I was never given an opportunity to dispute this debt.
3- This has reporting to the credit bureaus and it is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, XXXX, PA XXXX To Whom it May Concern, I recently review a copy of my credit report and found that you are illegally reporting inaccurate and False information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$4400.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION AGENCY/ATTORNEY This is a violation of the FCRA and is also in violation of requisite XXXX XXXX  compliant reporting. 

According to the FAIR Credit Reporting Act I have the right to a fair and accurate credit report, credit report agencies are require to remove any information that is not true, accurate and verifiable. 

Please remove this inaccurate information IMMEDIATELY from my credit report and send me the updated report showing your compliance with FCRA laws and XXXX XXXX reporting standards as well as this account removed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been dealing with BMO Harris since last XXXX regarding what they claimed to Be late payments. The payments occurred as their interface is misleading and they had switched mobile systems which were preventing me from Logging in as I did not know. When I called, they demanded i go in person despite my concerns about COVID. I asked for statements as I had no way of knowing. Then my kid was diagnosed with XXXX in XXXX and me in XXXX. Despite me telling this ro BMO On the phone ; in email, and va letter. They continue to put marks on my credit report. I have since called and went into the bank. The banker called the credit card portion. I spoke with 5, FivE, people that day - two from collections, a customer service rep, somebody who screens the calls, the banker - the level of service was ridiculous. I explained to each of them as I have to at least three other customer reps in the the phone plus multiple emails and letters that I was locked out of the online system and BMO was refusing ro send me statements. They are presumably charging late fees and interest but I have yet to receive a statement which I have demanded each time I have spoken with them. They told me that I would have to start a new dispute that the account had been sent to their collections. I was debilitated with XXXX  for months. Now, I am having an XXXX XXXX up likely related to XXXX-I have XXXX and XXXX along with XXXX XXXX XXXX. I want the entire account resolved but after over an hour on the phone with five people after months of trying to resolve this, I am fed up. I left a message for the banker these days ago and have not heard back. I had to keep repeating that I needed a statement and they kept asking if I wanted to pay the amount due. They did not keep notes in My account and I have to be a broken Record. I asked if I did another dispute for them to expedite it and stop putting late remarks on my credit report expressing my preference that they honor the first dispute. The representative said that there could be no guarantee to honor any request and it would take thirty days. What is more- I had never had a late payment nor a single other negative remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have a Credit Card to build my credit. However, payments are not beingreported to Experian. I contacted the Bank, but the " XXXX XXXX Credit Bureau resolutions '' department only receives complaints by letter. I sent the fi rst letter with the instructions received by calling XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter asking me to send again the samedocuments as the fi rst letter, saying that they did not have enough proof of my identity. I sent the otherletter, following all directions. On XX/XX/XXXX, a letter was sent to me, with a generic response, saying that the reports were made. However, in contact with the Experian agency, I was informed thatthere is no XXXX XXXX report in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Navient is servicing 10 of my student loans. Since XXXX, when I was not able to get financial aid, I have been trying to return to school to finish the last three classes of my XXXX XXXX XXXX. I have been in forbearance for my student loans with Navient since XXXX. In XX/XX/XXXX, I was enrolled to attend XXXX and my forbearance would be on hold, I thought. By XX/XX/XXXX, I could not get financially cleared to go to school, yet again and in XXXX I found out that Navient was again trying to charge me so I got in another forbearance plan. In late XXXX, Navient reported 10- loans were 90 days late dropping my score by 100 points. How can I have been in default and 90 days? When I went from forbearance to forbearance. Also, I was supposed to be in school. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau Experian, XXXX and XXXX records, there is incorrect information being reported under section XXXX XXXXXXXX Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This account is not mine and is fraudulant and needs to be removed per FCRA This needs to be removed 15 U S cODE1692c 15 U.S Code 1692g15 U S Code 1681e ( b )
Product: Debt collection

If the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Failure to comply could lead to fines up to {$1000.00}. 
Please send me the detailed investigation procedures for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2022, my mortgage was sold to Fay Servicing. My First statement should an escrow balance nearly twice what accurate. I brought this error to their attention and they said they would do an analysis. The analysis revealed a mistake at the previous mortgage servicer for a lender placed insurance policy. I showed the documentation from the previous lender that the policy had been cancelled weeks before transferring to Fay. Fay agreed that they were due the difference of approximately {$7000.00} from the previous lender. 

Instead of fixing the problem, they increased my mortgage by almost {$650.00} to cover teh shortfall for a number of months. I continued to pay what they asked because Fay promised " it would all work out in the end ''. In XXXX, Fay bumped my payment up another {$600.00} plus per month to cover the escrow shortfall. My XXXX XXXX XXXX  is about {$1400.00}, my taxes and insurance is less that {$800.00} ( $ XXXX per year ). Fay has me paying in excess of {$3200.00} per month or almost 3x what my escrow should be. I have sent emails, left messages and when I have been able to speak to someone, it is a low level person that doesn't have the power to rectify the situation. I have the mortgage current through the end of XXXX when i finally said enough is enough. Fay sent me a foreclosure letter if I don't bring things current at the $ XXXX payment by XX/XX/2022. There must be a law against this kind of practice. At the very least this is wire fraud. Please help me.
Product: Credit reporting 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 USC 1681. 


Account Name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have paid my home mortgage in full, I received a letter saying that it is paid in full, on XX/XX/2021. Later in the month I received a phone call stating I still owed {$150.00}, because I had to stop payment on a check. I asked if the {$150.00} would take care of everything. I was told it would be a XXXX XXXX. Next I received a Partial Claim Agreement to be notarized and returned to New Day, for a Hardship Loan. I called the number XXXX, someone stated I owed {$30.00} fee. I questioned that because I was told, the {$150.00} was all that was outstanding. 
I asked to speak to a supervisor, but was not allowed to speak to anyone. 
I called back later in the afternoon, spoke to XXXX XXXX. She said she considered the loan paid off, I had a letter stating that and to disregard the Partial Claim Agreement. 
After that a XXXX XXXX called about the Partial Claim Agreement, about mistakes that may have been in the agreement, something to do with VA loans. I did not understand what he was talking about or why I received the Partial Claim Agreement, since I considered my loan to be paid in full. 
I called New Day to follow up with someone, I talked to XXXX XXXX XXXX, she again stated there was a {$30.00} outstanding fee. I would pay the fee if that was the only thing owed. She put me with XXXX XXXX XXXX to pay the {$30.00} fee. I was not able to pay the fee. XXXX XXXX XXXX, New Day, I. XXXX XXXX XXXX, phone number XXXX. He confirmed that I tried to pay the fee of {$30.00}, but was not allowed too.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening at the earliest opportunity. I compassionately demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Debt collection

I have contacted Collection Manager Mr.XXXX XXXX and he refuses to answer my calls as his reps stated a couple of times that he is not available and will not have a affordable monthly payments of {$70.00} @ month is what l can afford to pay my personal loan with Oportun. 

I can pay only {$70.00} @ month until loan debt of {$4500.00} is paid off. 
I can call Oportun each month and pay the {$70.00}. 

It appears that Oportun wants to violate my XXXX XXXX Civil Rights Act under Department of Justice and ruin my credit and send derogatory remarks to XXXX, XXXX  and XXXX  credit report Agencies. 
I am willing and able to pay a monthly payment plan of {$70.00} @ month to pay loan debt. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please move quickly to take off the unauthorized entries from my credit report, as they were not sanctioned by me and are causing me a lot of stress.
Product: Credit reporting or other personal consumer reports

Inaccurate names and a dress have been posted on my credit report for different collection agency. Names do not match and addresses do not match to me. Please have them update my credit report and have the charge-offs, collections removed that do not match my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Last month I made a dispute with chime because when I had woken up there was a transfer from my savings of {$1800.00} into my spendings account then sent to a unknown person. I immediately call to chime and canceled my card and make a dispute. I gave chime all the information I knew so that they could help me retrieve my savings I told chime that I have my phone number connected to my chime account. So that allows me and notifies me whenever someone is trying to login to my account or make any transfers the day of the incident I did not receive any text notifications or emails telling me that there was a login attempt I had only been notified of the transaction once my money what's gone. the day after I made the dispute it was automatically cancelled, canceling there 10 day refund system I immediately call chime back to reopen the dispute. I sent in a police report and all other information I had for them to help me where am I claim to be denied again this is my second time having to reopen the claim I have taken every possible step to help chime help me retrieve what was stolen I know that this had to be a breach in chime security system because I was not notified when the intruder hacked my account I wasn't notified via email or via text which proves a lack of security on chime behalf I have also not lost or had any of mine information stolen for someone to have access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

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