23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX ( XX/XX/XXXX ), where an XXXX XXXX XXXX  XXXX  was outsourced for the XXXX. I had never heard of the XXXX XXXX XXXX   XXXX  or agreed to work with them or had any idea thew would be present in my XXXX. In XX/XX/XXXX I got an alert on my credit motoring company that I had a bill in collections. XXXX XXXX XXXX  XXXX  had sold off debt for {$140.00} to a collections company called Synerprise, who also never contacted me.The issue I have is that XXXX  XXXX XXXX XXXX   NEVER once sent me a bill or contacted me. On their own they acquired a wrong address, sent one letter, and then sent me to collections. Their standard process is to send 3 letters. In any event, I contacted them and agree to pay if they would pull the claim to collections and the derogatory mark would be removed from my credit, and as of the past two weeks, it has not been adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Convergent Outsourcing Inc. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report I will like for you all to DELETE. These are inquires that I have no knowledge of. You can reference the case # XXXX for an identity theft report. According to FRCA section 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Student loan

Hi, I applied a payment of {$400.00} to my account on XX/XX/2020 and received an email stating that my payment was scheduled. On the same day ( according to a customer service representative named XXXX, who I talked with on XX/XX/2020 at XXXX XXXX ) they sent my account to a collection agency. I now have no recourse to have the account re-established. The lender in question is Heartland ECSI. This lender recently acquired my student loan account from another company and I did not receive information that this was the case prior to my account be absorbed. This is completely unacceptable behavior from a student loan company.
Product: Student loan

I spoke to a rep to request a refund for my loan payments that were made during covid. There was no confirmation email to confirm that the request has been submitted and only to take their word for it. Also the time frame for this request to get processed is absurdly longer than that of other loan service providers. Why is the wait almost half a year to process when others can get it done within a month or two. I know I'm not the only one with this issue. I'm also not sure if they put in the correct amount for the refund as that was not really confirmed with me when I spoke to the rep.
Product: Debt collection

XXXX  is reporting negative information in my credit file. I’ve requested validation bearing my signature multiple times and they have failed to provide this information.In addition I’ve received notifications from the credit bureaus and XXXX XXXX stating that the account has been removed from my credit file. As of today the account is still reporting negatively. I am asking for this account to be removed immediately. I’ve attached proof showing the deletion.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around XXXX i tried to use my cell phone but it did not dial out. I called my cell phone company T mobile and they told me that someone transfered my phone number to Metro Pc wireless phone company. T mobile Supervisor conntected Metro Pc and explaind to them that my number was hacked and transferred to them without my authorization. T mobile was able to retrieve my phone number from Matro pc aer 2 hours and reactivated my number XXXX once again. Right aer that happened i could not sign in to my yahoo email, my Coinbase investment account or Binance us investment account. I contacty yahoo and they did reset my password. I tried to call Coinbase and XXXX but they do not have customer service phone numbers. I did search this companies emails and sent them emails letting them that someone hacked my cell number and i am not able to sign in and requested that they freeze my accounts and not to accept any transactions. Coinbase and XXXX investment were very slow to act and took time responding to my emails. On XX/XX/2021 i called XXXX and XXXX bank and found out that there is unauthorized transactions from Coinbase and from XXXX XXXX. XXXX and XXXX is conducting investigations. On XX/XX/2021 found more unauthorized transactions at XXXX bank by Coinbase and by XXXX. 
I been sending several emails to Coinbase asking them to refund my money but they refused and they keep sending me emails that the case is closed and final.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed previous complaint on XX/XX/2023 with Lexis Nexis through CFPB concerning the sharing of public information that was not shared by courts, Lexis Nexis has no permissible authority to share my information with XXXX and XXXX LexisNexis closed case with CFPB stating would launch an investigation but failed to comply. Lexis Nexis closed this case so that a further investigation would not continue with CFPB. I called Lexis Nexis and spoke to XXXX who stated that there was not an internal investigation of my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous Letters
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB I am writing to register a complaint against FIRST CREDIT SERVICES XXXX XXXX, a debt collection agency, for their persistent harassment and mishandling of my bill. 

Account : XXXX Last year, I enrolled in a coaching program offered by afaa. However, due to my failure to pass the associated exam, I admittedly paid little attention to the matter and eventually forgot about it altogether. It wasnt until recently that I was contacted by a debt collection agency regarding the outstanding payment, which served as a reminder of the situation. 

Promptly, I reached out to afaa and expressed my willingness to settle the unpaid debt. While I acknowledge my responsibility, the certification no longer holds any value for me. Additionally, I had an unused exam opportunity from the previous year. I inquired whether it would be possible to retake the exam upon resolving the outstanding payment. 

To my dismay, XXXX informed me that not only do I need to clear the debt, but I also need to pay an additional {$99.00} to become eligible for the exam. This would amount to a total payment of {$300.00}. I have conveyed that the certification has lost its significance for me, and the exam itself has been rendered less valuable with the emergence of tools like XXXX, which make passing it relatively easy. As such, the demand for {$300.00} appears to be a form of deception. 

I have attempted to engage with the seller in search of a resolution. However, I am resolute in my refusal to acquiesce to the condition of paying an extra {$99.00} after settling the original bill. I implore the relevant authorities to exercise oversight over organizations that exploit financial situations without providing meaningful services. It is entirely unacceptable to have my bill escalated to a debt collection agency. 

I appreciate your attention to this matter. 

Thank you. 

Sincerely, XXXX
Product: Debt collection

This company ( discover ) has called my phone more than 5 times a day for the past 2 weeks. Today I was able to show the collector calling me 6 times within a 24 hr period which is against the law! This company has been harassing me about debt that has already been charged off! To resolve this I would like some type of monetary compensation for the stress caused by these phone calls. Phone number I am being harassed by is XXXX
Product: Credit card or prepaid card

On XX/XX/19 I requested a balance transfer for {$3000.00} from a XXXX card account ending # XXXX. When I checked a few days later online it stated it was to XXXX XXXX. I do not have any accounts there. My wife also initiated a balance transfer from XXXX and hers came up as XXXX XXXX XXXX ( she has a separate complaint ). She called and they verified it was correct and American Express customer service explained to her that sometimes the bank name appears different. I received a call from American Express verifying my identity and confirming the balance transfer. I could barely understand the lady as she spoke very broken English but, I did make out the last four digits of the card number was # XXXX. I did not think much of the online portal saying XXXX  XXXX as my wife had a similar issue and was told its ok. On XX/XX/19 I checked my balance online and it says I have a {$3000.00} balance from a balance transfer to XXXX  XXXX. Again I do not have any accounts at XXXX XXXX. When I click on the transaction it says it was sent to XXXX XXXX Dummy Account, XXXX XXXX XXXX UT. When I XXXX XXXX XXXX it comes up at American Express also the balance transfer says it was credited to XXXX XXXX XXXX, which is not even close to the account number I provided. I did verify that the amount was not credited to the XXXX account. I did the online chat with the customer service rep and she confirmed that the information they had was XXXX and she advised me to speak to the balance transfer department. I called them on XX/XX/19 a gentleman picked up and I explained the situation he said ok ill open an investigation and you will hear something in 7-10 days. Okay thats it? I am expected to carry a random {$3000.00} balance and no one knows how this happened. I called back on XX/XX/19 and gave them permission to speak to my wife. She asked how this could have happened and they couldnt answer, she asked them to verify the information that was entered online when the balance transfer was initiated and the gentlemen told her it didnt matter and an investigation was open. I find the customer service that I have received to be less than subpar. The lack of any concern from the people I have dealt with at American Express leads me to believe they are dishonest and deceitful. I am not sure how one branch of the company could have the correct information and incorrect information. I find these actions to be very suspicious considering a similar situation has happened to my wife. I wonder how many times this has happened to other customers. As of right now I am carrying a {$3000.00} balance on my American Express credit card that I did not authorize and no one can explain to me how this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2022 i found out that XXXX XXXX reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Experian has failed to fulfill its legal obligation under the 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 Experian, alleging systemic issues, such as : Failing to forward consumer-provided evidence to data furnishers, Accepting unreliable and unverified responses, and Failing to adequately notify consumers of dispute outcomes.

These failures directly align with my personal experience, where Experian has neither corrected nor removed disputed items, despite the supporting evidence I provided, which continues to cause ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction constitutes a violation of federal law and my rights as a consumer.

If the data furnisher can not produce original documentation to verify the legitimacy of this account, including signed contracts or promissory notes, it must be deleted from all three credit bureaus ( Experian, XXXX, and XXXX ) in compliance with federal law. 

Please provide written confirmation of your reinvestigation results and actions taken. I expect full compliance with the FCRA and immediate resolution of this matter.
Product: Checking or savings account

Wells Fargo closed my account 2 days after opened and never gave me a reason, they just said wasninternal bank decision
Product: Payday loan, title loan, personal loan, or advance loan

Was charged XXXX for affirm payment for XXXX order but then XXXX cancelled the order and affirm.com never refunded the down payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed many unrecognized and unauthorized inquiries on my report. 

I have reached out to these creditors and no actions were taken as the unauthorized inquiries are still present on my credit report.
Product: Debt collection

Today I received a letter from I.C. System INC. 
Said I owed money to XXXX XXXX, but I never Used their company 's cell phone service. I remember around XXXX last year, There is a XXXX XXXX bill that shows up on my credit report. 
I then called XXXX and also called my credit reporting company to dispute. They said they would follow up on it. Then they removed XXXX XXXX from my credit report. Until today, I received this letter from I.C. System INC? I don't know what to do, I can only turn to you guys for help! Hope you guys can help me!!! thank you all!!!
Product: Checking or savings account

The Letter below was sent to both XXXX XXXX XXXX and Citizens Bank in an attempt to secure funds in the amount of {$5000.00} back, which was provided to the city of XXXX as part of a bidding process for a city contract. A fellow towing company has already received their funds back even though we had the same situation. We can't understand why these institutions can't get us the same reconciliation. 

XX/XX/XXXX XXXX  XXXX, Chairman of the Board Chief Executive Officer XXXX XXXX, President, Preferred and Small Business Banking XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX and XXXX XXXX : I write to resolve a financial matter, which may be small to you all in the value of the problem but, as a small business a very big one for us. 

On XX/XX/XXXX the owner and operator of XXXX XXXX XXXX XXXX , XXXX withdrew {$5000.00} from his XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX account and had it issued as a XXXX XXXX Treasurers Check # XXXX for Tax ID # XXXX. This Treasurers Check was then turned over to the City of XXXX as part of the bidding process for a city towing contract. 

For some unknown reason the city of XXXX held this check in their safe for the period of XX/XX/XXXX until XX/XX/XXXX when they returned it to XXXX XXXX XXXX XXXX , XXXX We have checked with the states of New York and Massachusetts and to no avail both states have informed us that there are no funds being held as Found Property. Therefore, this leaves us to believe that these fund that were drawn on our account are still with XXXX XXXX XXXX  XXXX. 

We are hoping that we will not need to take any other actions other than asking you to address this matter as we have received no support at the level of those banking employees who are at the first level of your organization. 

Please find enclosed a copy of the Treasurers Check for your review and consideration. We would like our {$5000.00} back. 

Please feel free to contact me at XXXX or by call me direct at XXXX. 

Thank you for your assistance with this matter and I look forward to hearing from you. 

Respectfully, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX
Product: Mortgage

I recently requested to remove escrow account from mortgage account and my lender is charging me {$650.00} to remove escrow account. Is that reasonable to charge {$650.00} to consumer? And also lender didnt disclose the option at closing either to have an escrow account with conventional loan.
Product: Credit reporting or other personal consumer reports

There several unauthorized hard inquiries on my credit report XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received notice from Aidvantage that my student loan payment will now be over {$800.00}. I was previously paying around {$270.00} prior to the pause. I emailed requesting explanation on XX/XX/21 and received an email saying to expect a response within 2 business days. Its been over 2 weeks and nothing.
Product: Credit reporting or other personal consumer reports

Theses loans were forgiven and removed in XXXX They reappeared and were doubled in the amount. They are reporting it as delinquent which I dont owe.
Product: Debt collection

The debt originated from a XXXX XXXX account in XXXX. A default judgment was entered without my knowledge in XXXX in XXXX County, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX, another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Consumer Reports, I have identified instances of late payments recorded on an account for which I have always made timely payments. It is of utmost importance that Consumer Reporting Agencies fulfill their obligation to accurately report consumer information to the best of their abilities. I would like to draw your attention to the specific account in question : XXXX  with the associated account number XXXX I kindly request a comprehensive investigation into this matter and kindly ask for supporting evidence in the form of statements that substantiate the reported lateness of these payments. In the event that it is not feasible to provide such evidence, I firmly demand that these payments be corrected and updated to accurately reflect their true status as on-time payments. I want to emphasize that I have consistently made timely payments and it is crucial that this information be faithfully represented. 

Thank you for your prompt attention and prompt resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the  screenshot I highlighted, the credit bureau added a 90+ late payment date of XX/XX/XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XX/XX/XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.