23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 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 XXXX years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My actual complaint is about EQUIFAX, Inc.. I had a public record - bankruptcy recently removed from my credit report between XX/XX/XXXX and XX/XX/2022. When I reviewed my credit report it showed that my score DECREASED by XXXX points instead of Increasing, due to a public record being removed. I contacted Equifax and the only thing they said is that I dont have any public records showing and my score must've decreased for another reason. First of all I am utterly shocked at the stupidity and ignorance of the representatives Equifax has hired to be over such a highly rated scoring system, a system that can make or break you. And they were totally oblivious and of NO HELP AT ALL. I need to have this researched and rectified. I have copies of the Equifax report that shows the score changes and the remarks. I am currently trying to purchase a home and do not need my score sabotaged by Equifax and their faulty scoring system. Thank you in advance!
Product: Debt collection

Convergent Outsourcing, Inc. sent me a letter of " Attempt to collect a Debt ''. This company was asked by XXXX XXXX to collect an alleged debt for {$420.00}. I have already filed a complaint against XXXX at the FTC for the same alleged amount last week, explaining that XXXX received the equipment in full in emails for that effect. Convergent attempted to call me, by phone, and was as expected rude and insulting! They received the same courtesy they afforded me and more!. These parasites deserve that treatment, and more, as they are not in full knowledge of the facts of the case from XXXX. This is a feudal effort, by XXXX, to collect any amount as no matter how small it is, even a XXXX cent is too much for their inferior services throughout the XXXX years we have had them. XXXX continuously violated the terms of our agreement through lies and removal of channels as well as promises made by phone, even when we fulfilled the XXXX year contract with them. It is an out and out attempt of extortion ( the practice of obtaining something, especially money, through force or threats ) by Convergent and XXXX! 
I leave you with this for all to see ; It is by law, between XXXX parties, that a contract or agreement or commitment written or otherwise, is an obligation by the XXXX parties and not XXXX sided. In conclusion, this is a closed and shut case since XXXX XXXX, 2015 as it was admitted by XXXX in a communique, email, on that date. Convergent must not attempt to peruse this case further!.
Product: Mortgage

RE-OCCURING ISSUE Case number : XXXX The lender has not addressed the issue. The question is, is it legal to force mortgage underwriters to apply disparate treatment while underwriting loans? If the company feels that this is not the correct forum to address this then maybe the Department of Justice would be a better agency.
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 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XX/XX/2023 Never open this card and they still reporting to my accounts. I did open an identity theft and this company will not take this off my credit report. 

Again I dont have this account and its been closed and investigation started. 

I want this taken off my reports
Product: Credit card or prepaid card

i purchase items over the internet and was pay with my master card true Pay Pal the items come all destroid and contact pay pal and they said to send the product back also to send photos copy of invoice and i did i spend almost {$60.00} dollars to send the products back, i did send everything i have to pay pal and later they said they not going to aprove reinburstment bucause i did not send the invoices and photos wich i did so i dont know what to do i lost {$100.00} on the purchse and {$44.00} to send them back please help me, thank you XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the companies or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive applied for credit card to build my credit my credit score was in the low 400 well since I got approved for the credit card my credit score with Equifax went to XXXX ok I applied for a loan with XXXX XXXX for a XXXX  in the amount of {$890.00} they denied me because my credit score is coming up in the low 400 and my score isnt right if they saw that I wan na no why Equifax sent them that score when I have disclosures where my new credit score as ofXX/XX/19 is XXXX  I  would like this matter taking care of cause my loan for a XXXX by XXXX  wasnt approved because of a low credit score was sent back to them had the new credit score been sent I would have been approved could u pls get this matter taken care of its weong to give a loan company that files for your credit score a false credit score and get denied for the wrong credit credentials thanks
Product: Debt collection

Hello, i recently seen a collection on my credit report under Medical data systems inc, i disputed the collection with all XXXX credit bureus and never recieved validation, i also sent Hippa letter and validation letter to Medical data systems but never recieved responce, however the collection remains on my report.This is false practice and they are violating my Hippa rights
Product: Student loan

Navient was served with a XXXX XXXX XXXX XXXX XXXX' oder in XXXX of XXXX. Today they continue to violate that order. Navient was specifically instructed to contact via postal mail in which apparently they do not. I was not able to consolidate my student loans to another company because of their XXXX reference requirement in which they will incessantly call and harrass my XXXX people. My XXXX people said no. Postal mail is apparently too hard for them. THEY must honor the cease and desist order or they will be sued and I can not be any plainer. Their people call and claim to be XXXX almighty and that they are the government and can do whatever they want whenever they please and that Cease and desist orders mean nothing to them. They also conveniently lose their recorded telephone messages for when they do call.
Product: Credit reporting or other personal consumer reports

XXXX is fraud they already deleted 5 of them for fraud and this is not mines
Product: Prepaid card

I received a XXXX gift card as a birthday present. Upon use of this XXXX gift card for {$150.00} the card was declined. I called the number listed on the back of the card and spoke to a representative who proceeded to tell me she was unable to find the card number. I then provided the serial number from the back of the card and she did pull up my card. She then proceeded to tell me she was sending me a replacement card and I would receive it within XXXX14 business days. I requested expedited shipping and this was not offered or provided. I requested I speak to a supervisor and during the extensive hold she placed me on the call was answered and immediately disconnected. I then called back and proceeded to speak to another representative who stated she was " resolving my issue ''. She confirmed the card had been sent and stated it would only be up to 10 business days and requested I be placed on a brief hold while she " resolves my issue ''. After 45 minutes of hold time with brief interludes of " Thank you, I 'm still looking into this '' ; I requested I no longer wait on hold and requested a call back from Incomm corporate. She stated this call back would occur within 48hrs from approx XXXX XXXX. This callback never occurred, I then proceeded to call them today XXXX since no callback had occurred. They then told me I need the receipt or I need the store to print the receipt that they can find in their electronic journal and XXXX of my utility bills within the last 30 days. They provided me with an email address of XXXXXXXXXXXX with a reference number. I then called the sender of the gift card and found the purchase location to be XXXX in XXXX, RI and date. I called this XXXX and spoke with a customer service representative that stated she had numerous transactions from that date and wo n't provide me with a receipt without myself or the sender being there in person even though I have the serial number and and card number. I then again contacted the purchaser/sender of the gift card and he will be returning shortly to ascertain this document. I did want to start a dialogue with you about what seems to be going on here. From my simple research on XXXX gift card and incomm I found quite a few stories all leading to essentially theft of the funds purchased. I am working the get the receipt requested but since it was a gift I did n't receive a receipt with the card. Seems their strategy is to delay and make it extremely difficult to get the funds purchased. Case after case found with a simple XXXX search. I believe their is some larger fraud occurring here. I hope to pursue this complaint through the CFPB to some resolution with incomm.
Product: Credit reporting or other personal consumer reports

I have noticed several unauthorized inquiries on my credit report that I did not authorize. I kindly request that these inquiries be removed from my credit report, as they are in violation of the Fair Credit Reporting Act, which requires the removal of unverified and unauthorized items. 

I have already contacted the companies involved, and they have confirmed that they do not have any of my information on file. Attached is a screenshot listing the following companies, whose inquiries appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I can confirm that XXXX XXXX XXXXXXXX XXXX  appears on both my Equifax and XXXX credit reports. I request prompt action to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX, I think, as I have yet to received any written notification, XXXX  XXXX XXXX transferred servicing of a small HELOC I had on an old home of mine. I think the transfer was to occur in XXXX. Both Specialized Loan Servicing ( SLS ) and XXXX  XXXX XXXX used an address I had not lived at in over 16 years to notify me. Bottom line, it took SLS 4 months to find me and effect the transfer. Because I was never notified, I continued to pay XXXX  XXXX XXXX through their auto Bill Pay program. 
Without going into a long story, because Im XXXX  XXXX, and due to my many XXXX  overseas both before and after I XXXX, my son has taken care of our rental property starting in XXXX. I was with XXXX XXXX from XXXX to XXXX so I no longer had a stateside number. That is why I have always included my sons phone number on all my accounts. SLS had this number all along but SLS 's representative stated Specialized had no record of ever calling my son until XX/XX/XXXX of this year. Once notified, we verified the transfer with XXXX XXXX XXXX, and we paid SLS the money owed. XXXX XXXX XXXX, unbeknownst to us, had been returning our payment with only an alpha numeric code number we failed to recognize. SLS subsequently put a 120 day late on my credit report. I have been with XXXX XXXX XXXX for over 25 years. A simple phone call to them would have resolved this 4 months prior. Or, sending a certified letter would have produced my contact information. 
I would appreciate your looking into this matter for me and removing the 120 day late on my credit report. Thank you for your assistance.
Product: Credit card

On XX/XX/XXXX I've received a phone call from Chase Dispute Department providing me with an update on the case associated with the charge posted on XX/XX/XXXX with XXXX for amount of {$2500.00}. Representative informed me that the merchant received the inquiry and contesting the dispute, therefore Chase was asking for supporting documentation for further proceedings. I've informed representative that I do in fact have all the supporting information and would like to submit it to Chase and asked for a Claim ID for this case. I was informed about the claim ID and was told to expect a letter from Chase which I need to fill out and submit with the supporting documentation. On XX/XX/XXXX I've received a notification that the letter was generated. I've filled out the form ( copy of it attached ) and included all the supporting documentation relevant to this inquiry which was sent to Chase via Chase XXXX XXXX XXXX on Friday, XX/XX/XXXX. Later afternoon Monday, XX/XX/XXXX I gave a call to Chase Dispute Department to confirm did they receive the documents I've provided them with since the department wasn't available via phone over the weekend. I was informed that the case was closed due not receiving the documents, notwithstanding the fact the deadline for the response was on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions occurred on my PayPal account. 

On XX/XX/year>2024, {$760.00} was transferred from my XXXX XXXX account to PayPal. 
On XX/XX/scrub>, 2024, {$760.00} was transferred to an unknown XXXX account ending in XXXX. 
On XX/XX/year>2024, {$400.00} in {$100.00} increments was transferred from my XXXX XXXX account to PayPal. 
On XX/XX/year>2024, {$400.00} was transferred to an unknown XXXX account ending in XXXX. 
On XX/XX/year>2024, {$2000.00} was transferred from my XXXX XXXX account to XXXX. 
On XX/XX/scrub> 2024, {$2000.00} was transferred to an unknown XXXX account ending in XXXX. 
On XX/XX/year>2024, {$1500.00} was attempted to be transferred from my XXXX XXXX account to PayPal. The transfer failed due to there being no money left in the XXXX XXXX account. 
On XX/XX/year>2024, {$1000.00} was attempted to be transferred from my XXXX XXXX account to PayPal. The transfer failed due to there being no money left in the XXXX XXXX account. 
On XX/XX/scrub> 2024, I received an email from XXXX XXXX stating my overdraft protection payment was due on XX/XX/year>2024. This is how I was made aware of these fraudulent transactions in PayPal. 
On XX/XX/scrub> 2024, I went to the XXXX XXXX office and filed a dispute on the unauthorized transactions. XXXX XXXX was able to reverse {$2400.00} of the unauthorized transactions because it was within the 60-day reversal period for an ACH transaction. XXXX  couldnt reverse the original {$760.00} transaction done on XX/XX/XXXX due to it being beyond the 60 days. 
I have disputed the {$3100.00} transaction with PayPal, and they are not willing to reverse the charges. 
Im also planning on filing a Police report so they can subpoena the XXXX account records to see who owns the XXXXaccount number that the money was transferred too. 
I really need some help. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are inaccurate and unverifiable. 

XXXX ) XXXX XXXXXXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX XXXX, XXXX # XXXX These accounts are doing damage to my financial well-being. If these accounts can not be verified, I would like them removed from my report.
Product: Credit reporting

XXXX is stating that I owe XXXX dollars. I have never had XXXX service.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im young. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX XXXX and Experian they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on XXXX XXXXer instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for XXXX re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the XXXX XXXX XXXX  XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or XXXX XXXX XXXX XXXX