23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I call Capital one and ask the to stop reporting to the credit and they refuse
Product: Debt collection

Re : Convergent Outsourcing Inc., a Debt Collection Company ; XXXX XXXX, My Credit Profiles indicate Convergent Outsourcing Inc., a Debt Collection Company, placed a Collection on my Credit Reports in XXXX ; however, I did not receive a mailed notice of the debt until after XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile. 

Additionally, I did not give explicit consent to Convergent Outsourcing Inc., and for that matter, I did not conduct business with Convergent Outsourcing , Inc . 

Further, through the Consumer Financial Protection Bureau, these business matters with XXXX have been resolved ; I am uncertain why Convergent Outsourcing Inc. is attempting to collect on a fixed CFPB case. 

Kindly delete the collection account from all three ( 3 ) ( XXXX, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Product: Checking or savings account

I have a checking account and a debit card associated with Bank of America. 

In XX/XX/2022, there are multiple fraud charges on my card coming from a city in XXXX. 

I am a resident located in XXXX, XXXX and I have never left XXXX. I also don't have anyone known or have relationship in XXXX. I have never been to XXXX which can be proved by my passport. 

The debit card was kept in a box at my home all the times. I am a credit card user and I only carry XXXX credit card with me when I'm outside. The debit card is not even in my wallet. I have only used the physical debit card one time in 2022 before the fraud which is XX/XX/XXXX for cash depositing. Then the fraud charges appears on XXXX. 

The facts above leads to a reasonable doubt that the ATM machine I used for depositing has been illegally modified and my card has been cloned. BOA does not protect it well against the criminals. I made the deposit at the official BOA drive-thru ATM machine located at XXXX XXXX XXXX XXXX 

Cleary these charges are not authorized by me or anyone I know. All of my previous charges comes from XXXX and this is my first international charge in XXXX. Based on my account history, it is obvious that these are fraud charges. 

Regrettably BOA denied my fraud claim and decides to put {$800.00} charge back to my account. BOA believes " The charge was authorized by you or made by someone who has permission to use the card or account ''. I don't see a single evidence or reason that supports this decision. 

As a loyal customer with BOA for 7 years, I am very disappointed at this time. As a well known bank, it can not protect its own ATM machines and tries to put all the responsibilities to the customer.
Product: Debt collection

I purchased my property back on XX/XX/XXXX. for XXXX property prices went down called XXXX XXXX XXXX to get a  loan modification. several times and was denied. they sold my loan to other banks. and tried to get a loan modification with no success. so signed papers to do a short sale. they listed the property for XXXX. but they would not sell it to me. So the property finally went on fore closure and they say i owe {$91000.00}. this is outrage. they sold it for XXXX. they wouldnt work with me. and they are saying i owe the. i was also suppose to get XXXX. for moving assistance. that i never got either. this was my primary home. ACCT # : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRY : XXXX XX/XX/year>
Product: Debt collection

This debt is not valid due to the fact I had full coverage insurance ( XXXX ) at the time of service. The hospital did not bill my insurance correctly therefore, did not get paid. I am not responsible for this debt and the providers lack of due diligence and would like this to be removed from my credit file immediately, as it violates the fair reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up on XX/XX/XXXX to two new inquiries on my TransunionXXXX  credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXX XXXX on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.
Product: Money transfer, virtual currency, or money service

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. 
According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money. 

My email address is XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX called my cell phone. The representative asked for my husband. I told him that the cell phone number belonged to me and asked what it was about. He refused to answer. By then, I looked up the company 's name and learned that they were a debt collector. So, I requested to speak to a manager. When the manager answered, I explained that my husband was in the hospital and requested that they mail all information to our home address. I gave the manager our home address for written notices and asked that they stop calling my cell. Despite my request, XXXX XXXXl representatives keep calling my cell. After my request, I got at least 5 new calls from XXXX XXXX. Further, as ofXX/XX/XXXX, we still have not received any written notices from XXXX XXXX. We don't know what debt they are trying to collect.
Product: Credit card or prepaid card

XX/XX/2021 -- We ordered 6 items from Best Buy using Citi Group Best Buy Credit Card that I applied for in the store. As soon as I left this transaction was cancelled by Best Buy. 
Most of the charged were removed but some of the amount of {$810.00} were still left on the card. 
We did not get any services nor goods from Best Buy. 
I opened a dispute with Credit Card company only to find out that they charged me interest charges, without even providing any dispute information, reasoning or anything. 
That " happened in the USA... Charge for literally nothing and Beastily attempt to extort money for no services nor good provided. 

The attempt of Best Buy City group to extort money is outrageous. No services, no goods...
Product: Debt collection

I received a bill in my minor childs name that was placed into collections with PLUSFOUR INC. when I inquired about why I received a bill in my minors name and the fact that I dispute this since all co-pays were either paid or taken care of by free visits with my insurance and that Ive never received a previous bill I should not be in collections. The woman helping me advised that she would not send the notes that Im also disputing this only send back that it was billed in a minors name. I advised again that this is unacceptable and I also want it disputed as theres no reason for it to go back just to come back to them and then be disputed again and she still refused to add the notes that I was disputing it. 

I also advised her it is illegal to send a collections note to a minor and that if she did not send my notes that Im also disputing this that I would be filing this complaint. If they are true collectors it is their responsibility to ensure that they are not collecting on a minor or the wrong person. They did not practice due diligence and Sent a collections notice in a minors name, and Me as her parent requested that they also dispute it she continued to refuse until I became frustrated and she decided to hang up on me for using the word XXXX and raising my voice. This is unacceptable and this business needs to be looked into as I dont believe they are following laws. 

I have attached a copy of the collection notice in my XXXX-year-old daughters name she is clearly a minor shes not even close to being XXXX years old where this could be a small mistake shes XXXX  years away from being XXXX years old.
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. 

Flex : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX JPMorgan Chase ( Chase ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX ). At no time was Chase the owner or assignee of the Note. Chase assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX Chase has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with Chase. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to Chase and also registered with the XXXX Register. There were no timely action or any action taken by Chase to set aside the Rescission. Chase has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have Chase cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent to Chase to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to Chase demanding that they cease making credit reporting to the bureaus.
Product: Money transfer, virtual currency, or money service

I submitted several transfers with TransferWise ( one on XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX and XXXX, XXXX, XXXX, XXXX - further details in this image - XXXX ). Of these 6 transfers, none of them went through until we called and spoke with TransferWise on 5 separate occasions, taking us into XX/XX/XXXX. In XX/XX/XXXX, the TransferWise rep told us the money would be refunded into our XXXX account and it would take 10 days. Then, rather than getting the refund, transfers started going through to the US account ( XX/XX/XXXX for {$350.00}, XX/XX/XXXXfor $ XXXX, XX/XX/XXXX for $ XXXX ). Now in XX/XX/XXXX, were still waiting for a refund in the amount of approximately {$400.00} + a refund of the XXXX in transaction fees, which was also discussed with the TransferWise agent.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support XXXX 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from these account ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection XXXX  XXXX XXXX XXXX I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit card or prepaid card

I submitted a dispute regarding my credit report to XXXX XXXX XXXX. They had reported a late payment to various credit bureaus. I notified them the late payment was because of an error on their side, I had no idea there was any charge pending on my credit card, and had not been notified of any charge. They conceded and refunded me all late fees. However, they did not take any action to notify the credit bureaus the late payment report was in error or have that item removed from my credit report. 

Shortly after I submitted the dispute, they just closed my credit card without any notification. It was very clearly retaliation because I had filed a dispute with them.
Product: Credit reporting or other personal consumer reports

im requesting an investigation into my case as this is a serious matter, im a victim of identity theft and credit was obtained without my authorization. this amount in the amount of XXXX from XXXX XXXX XXXX  WAS NOT ISSUED BY ME. 15 USC 1681c deals with the types of information that can be included in a credit report and It also specifies that outdated or incorrect information should be removed. i have contacted these companies and gotten no resolution.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, I visited the XXXX Texas Wells Fargo branch to apply for a personal loan. I spoke with a banker named XXXX. She asked for my information, input it into the computer, and immediately told me that I was denied based on a soft credit pull, however, I was discouraged from applying by application to avoid a hard credit pull. I have not yet received the adverse action letter. This is 2 issues of discrimination in violation of Regulation B ; a denial and a discouragement.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. 
XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX a male Toyota MTR XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto XXXX XXXX retail merchants XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I requested a lower interest rate was told my rate was the lowest they could offer.
Product: Checking or savings account

Robinhood states that i requested my account be closed, I asked them to provide me proof as i have never in all my years of using this platform requested an account closure. more so they also state that they returned my funds ( {$1200.00} ) which to my knowledge was never done. I recently regained access to my XXXX account after months of going back and forth with XXXX to my suprise the account had {$3.00} in there not the {$1200.00} they indicated that they retunred. 

based off this case XXXX, XXXX  as a company LIED and an gave CFPB false informtion. Now they are telling me they will close my account on XX/XX/XXXX with out returning my funds of {$1200.00} once again I provided XXXX with ALL documentaion they requested 3 seperate times, they chose to delay the proccess in order to waste time and not honor the refund. In all my years of using the XXXX platform please ask them how many disputes have i ever made? now that my accuont was comprimised they now dont want to acknowldge the fact that i have been a customer for XXXX years. 

i emailed robinhood repeatedly on finding a solution and they did nothing. now im loosing hard earned money ( {$1200.00} ) and they are closing my account XX/XX/XXXX here is an insert from the email chain with XXXX XXXX XX/XX/XXXX, as reports of unauthorized transactions continued, additional cases were opened under case numbers XXXX, XXXX, and XXXX. Our team attempted to reach you by phone and sent voicemails and emails requesting verification documents ( ID, selfie, and bank statement ). However, we were unable to establish direct contact. You submitted a dispute for the {$1200.00} deposit on XX/XX/XXXX and after the review was completed the dispute resulted in your favor bringing the {$1200.00} back into your Robinhood account on XX/XX/XXXX. The next day you were able to withdraw your funds back to your debit card. 

if {$1200.00} was returned to me durring this time they stated, I was not able to access my account, i was not able to reset my password i was not able to get in touch with XXXX  and when i finally was able to access my account there was and is currently only {$3.00} in my XXXX account. they did not reach out but i reached out to them multipke times via email since i had no access to the app another instert from email chain On XX/XX/XXXX, further documentation was requested, including an updated ID and bank statements, to support the verification process. At this time, you expressed interest in closing the account due to its compromised status. Our team followed up several times to obtain the necessary documents and clarify any suspicious activity, though responses were limited. 

still had no access to my XXXX account, after already providing documentation well before this point and frustration built up, i told XXXX i needed access to my account to verify they returned the funds ( that they stated they returned back in XXXX ) i emailed they gave my a general response of " still investigating ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.