23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I contacted Convergent Outsourcing regarding a debt with XXXX. Speaking with the Agent Ms. XXXX XXXX, we negotiated a date of XX/XX/XXXX for the first payment of a 6 month payment arrangement. The payments were to be XXXX each month. The entire conversation was recorded. Following this conversation, this morning i saw that a unauthorized payment for the XXXX was taken out. Upon calling and finally getting the agent on the phone ( I was hung up on 3 times ), I was told by Ms. XXXX that there was a system error and I would have to submit proof of the unauthorized payment and would take 3-7 days to process ( my rent was due so this wasnt an option ). I asked to speak to a supervisor, whom was quite rude and said " just giving a refund without the faxed statement is not how we do business ). I immediately directed her to cancel any future payments, and she said she could not provide proof that this was done and the only proof would be a bill in the future that shows the full amount due.
Product: Checking or savings account

I called Bankamerica on XX/XX/2022 because I did a few very smaller transfers from XXXX account to my other account, and when my account was negative they allowed me to take an overdraft fee 4 times for {$35.00} just from transferring money from XXXX account to another. I'm filing this complaint because I have been a client with them for XXXX decades and I can't believe they would charge me {$35.00} for each transfer. I asked to speak with the manager and the manager was not helpful and she wasn't polite the rep wouldn't help me or the manager. They would only refund XXXX overdraft fee and that's understandable but this is wrong and something needs to be done.
Product: Debt collection

On XX/XX/2018 I mailed out a validation letter certified mail for the credit company XXXX XXXX to validate not verify info about this debt and the only thing they mailed me back was a bill. I specifically asked for a signed Aggrement and other supporting documents. They provided me with billing which doesnt provide that Im obligated to pay them anything. They have reported delinquent info that reporting to all 3 credit bureaus that Im asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX  XXXX - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/XXXXXXXX cars. 
I wrote a 2nd request on XX/XX/2019 and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding,  who has bought the credit card from   XXXX   XXXX  . I have already complained about this. They response was that yes I had debt protection insurance and that the claim was notated by the company, but now  Midland Funding  is garnishing my wages. I will pursue them legally and counter sue if this is not remedied. They are sneaky and disgusting, They already stole  XXXX  from us when they attacked us for a debt my husband did not owe. Obviously they are doing work for the  XXXX .   If you refer to my former complaint about the   XXXX   XXXX   account that is what this has evolved into.I have been  XXXX  since   XXXX   due to the negligence of a physician and hospital, which is why I used the debt protection. What good is paying the debt protection monthly and then not be able to use it when the situation happens.
Product: Debt collection

ive asked to please stop calling that i am working with a company for debt relief but they constantly do not stop, they start as early as XXXX and some times nearly XXXX even on sundays
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I originally submitted my two disputes on XXXX the other would be resolved by On XX/XX/year> I was advised that XXXX of the disputes had been resolved and that I would receive a letter explaining the resolution and that the second dispute would be resolved by XX/XX/year>. To date I have received no information on either dispute. 

Between XX/XX/year> and XX/XX/year> I contacted Transunion again and was advised that the two disputes had been resolved but that were problems with high balances on three other accounts. I di thee sputed that. 

On XX/XX/year> I filed a complaint with you concerning the actions of TransUnion. 

Subsequently I was denied on-line access to my account and was only able to reestablish access today. 

Today ( XX/XX/year> ) I was advised that the two original disputes were now active again and that they had only been initiated on XX/XX/year>. No mention was made of the three new items. 

My Transunion score was improperly reduced by XXXX points, TransUnion has taken no steps to address the issues and consistently provided me with misinformation regarding the progress of their investigations. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries that are reporting to all XXXX of my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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 written all 3 credit bureaus several times and disputed two bankruptcy filings that show on my consumer report. Furthermore, It has been more than 30 days for the bureaus to respond and delete this from my report. Finally, I have written to the United States Bankruptcy court myself to find out why they were reporting these bankruptcy filings as mine. The court issued the attached letter which clearly shows that neither of the credit bureaus contacted or verified anything! I humbly request your department to look into this matter and FORCE the credit bureau to follow along and not further escalate this matter by depriving me of all the protections given to me with the Fair Credit Reporting Act. Thank you.
Product: Money transfer, virtual currency, or money service

I fell for an XXXX scam. The guy convinced me to use XXXX ( which I had never heard of ). When I saw that XXXX was actually integral to my Wells Fargo phone app, I assumed it was legitimate and safe. 


I sent the {$220.00} to the guy, allegedly named XXXX XXXX. " XXXX '' denies receiving the payment and punctuated his denial with an accusation of my " attempted scam ''. He was very smooth, patient, kind until he got the money -- then the fangs suddenly appeared. There is a long communication between us recorded in XXXXXXXX XXXX " messages ''. XXXXXXXX XXXX XXXX user name is " XXXX '' The Wells Fargo / XXXX app confirmed the {$220.00} was sent ( unable to get a screenshot ). Wells Fargo /XXXX does not provide any kind of transaction number. It just says " Payment sent to XXXX XXXX {$220.00} '' nothing more. " XXXX XXXX '' XXXX ID is XXXX I called Wells Fargo and they were unsympathetic, basically telling me I was out of luck. They should be able to verify that the money was received by the payee 's bank, which, combined with the XXXX messages would show that " XXXX '' defrauded me. 
The closest thing I have to documentation is this from my Wells Fargo statement : XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF #  XXXX {$220.00} The XXXX item number is XXXX. After getting my money, he immediately re-listed the item with the same sob story to hook more fish. 


I filed a police report with the XXXX Police Department ( XXXX, Florida ) case number XXXX XXXX XXXX XXXX can do nothing because I paid outside their system, but their record of messages is my only proof of fraud.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT THAT IS COMMITTING FRAUD ON MY CREDIT REPORT. I AM ASKING FOR PERMANENT REMOVAL AS WELL AS PERMANENT BANNING FROM THE CREDIT COMPANY COMMITTING FRAUD ON MY CREDIT REPORT. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. PLEASE REMOVE IT
Product: Credit card or prepaid card

A {$95.00} annual fee was paid XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Product: Credit card or prepaid card

I have been trying to access my Capital One credit card online with no success. I phoned Capital One and, after about a half hour on hold, spoke with XXXX. He then transferred me to XXXX, after another time on hold. XXXX updated my phone number for Capital One to send a login code to, but am still not able to access my account online. I get the message " Let 's Get This Worked Out You may not see all your account features right now, but we're working on it. Try again in a bit, or give us a call at XXXX XXXX XXXX XXXX. '' So I called that phone number, and got a message that there is again a minimum of 30 minutes on hold.
Product: Debt collection

I was contacted by Monterey Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA that Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I believe that they are clearly violating the law by changing the account balance to cause harm to my credit score and increase it for their own financial gain. I have attempted numerous times to dispute this item with the Credit Bureaus to get the proper amount corrected but they are not sending my results back within the designated time frame or state that I need proof that it is me disputing ( despite the fact I have sent in the proof they requested ). I would like this issue to be resolved as they have clearly violated State and Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having difficulty contacting Experian. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried Experian upload but it just times out every single time i try. I refuse to contact XXXX  by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( 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, systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as Experians inaction violates federal law and my rights as a consumer. XXXX and Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 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: Prepaid card

Google Wallet suspended my account for fraud. There was absolutely XXXX fraud. They made me go thru a verification process which I provided everything from a picture of the debit card I used to fund my account, bank statement, ID and transaction history. After taking me through it for a few days they decided they are closing my account still but wont let me withdraw my money. Wont tell me how my money will be refunded. The card i have on file wont be valid after XXXX XXXX so if they decide to send the money to me that way it will not work. They sag i can get my money back in 30 days. I feel they are trying not to give me my money at all i found this article online where others have went thru the same thing. XXXX
Product: Credit reporting or other personal consumer reports

I requested this address be removed from my credit report, but it is still fraudulently being displayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these things on my credit report and I have let them know that this information is incorrect. I also have sent multiple letters and the issue is still ongoing. These accounts are listed incorrectly XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for
Product: Credit card

I keep getting charged insane interest which we discussed was going to be slashed, but they have charged me more and interest in the last 2 years of having this card, and they are always getting error messages when trying to navigate the website. Plus, I was automatically enrolled in paperless billing which I never agreed to. This has been an ongoing issue since I opened this account, I have spent time with countless CS agents without any resolution. they do not offer an email account as I like to have everything in writing. 

dates and amount total well over XXXX dollars since I didn't know I was getting charged so often and without a bill to lay my eyes on. 
start date of issues is from 2020. Just in the last 90 days i have been charged {$27.00} on a card that I don't even own or have had in my possession. I just want to be done with this corporation.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

After many attempts over a three year period to get Shellpoint mortgage to either accept a short sale or foreclose, I was finally able to get them to foreclose. The foreclosure sale was held onXX/XX/2018 in XXXX, New York. XXXX XXXX Trustee for XXXX XXXX XXXX had the highest bid and purchased the property for {$80000.00}. 

The principal balance owed on the Mortgage was {$69000.00}. 

Shellpoint Mortgage did not ask for any of the servicing fees above the principal balance to be paid. New York State gives them 180 days to begin collection for these fees. Shellpoint has marked the mortgage as repaid on the credit reporting system with a XXXX balance owed. 

I am attaching a copy of my last Mortgage statement that shows principal balance and fees. 

I am attaching a copy of the Referee 's Deed recorded that shows the purchase of the property at the foreclosure sale in the amount of {$80000.00}.

I received a 1099-C for 2018 that states the amount of debt discharged is {$60000.00} and Fair Market Value of the property as {$20000.00}. The fair market value of the property should reflect the amount the property transferred in the amount of {$80000.00}. 

I am attaching a copy of the1099-c received.

I have repeatedly tried to contact someone at Shellpoint for a corrected 1099-C and they do not return my calls, email or mail. I am at a loss to get this corrected. Additionally they have yet to send me a final accounting of the foreclosure action. 

I would very much like to get the 1099-c corrected and the final statement for the foreclosure action.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I understand that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Please check the documents? Some accounts listed are incorrect in their reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).
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. 
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 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 an account without my written instructions.

16 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 conviction of crimes which antedates the report by more then 10 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

I am filing this complaint because XXXX, Transunion, and XXXX have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.