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

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your help to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Statement date : XX/XX/19 Creditor : XXXX XXXX XXXX XXXX XXXX account # : XXXXXXXXXXXX Credence reference ID : XXXXXXXXX Balance : {$70.00} Hi, I have a previously cancelled debt for an XXXX XXXX XXXX mobile phone bill that has now been sent to collections with Credence Resource Management. The number on the account was ( XXX ) XXX-XXXX. 

At the end ofXX/XX/XXXX I requested a change in plan with XXXX XXXX XXXX, but the move was botched and forced me to incur a charge of the aforementioned amount. XXXX XXXX XXXX repeatedly could not fix the issue and eventually recommended I switch carriers, noting the charges would be eliminated as a courtesy in urgent ticket XXXX. The representative on the case was XXXX. 

However, XXXX XXXX XXXX still sold the debt to Credence, with whom I disputed the case 6 times in the following order : - Two phone calls - Two e-mails dated XX/XX/XXXX and XX/XX/XXXX - Letter In each of the e-mail exchanges, they claimed XXXX XXXX XXXX asserted the charges were legitimate. After the first response, I called XXXX XXXX XXXX on XX/XX/XXXX and had to escalate through 5 different people before they confirmed that the charges were cancelled based on the notes in the urgent ticket above. I do not believe Credence has made a good faith effort to verify this. 

In the final e-mail exchange, the following was written and the debt remains : We are in receipt of your email, dated XX/XX/2019. Please be advised that we will cease all communications with you regarding this matter. We strive to provide professional and courteous service. 

I called Credence two more times on XX/XX/XXXX ( XXXX, XXXX XXXX ) and XX/XX/XXXX ( XXXX ) to no avail. At this point, I hope the CFPB will be able to resolve this issue. 

Thank you.
Product: Debt collection

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1100.00} _ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Product: Debt collection

XX/XX/2021, i sent CREDIT COLLECTION SERVICES, XXXX to rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$50.00} paid to you in error.
Product: Debt collection

I had a contract with XXXX to provide services. I canceled the contract, and paid the final amount due. Then XXXX sent the account out for collections : XXXX had provided me an introductory offer which removed some new-account fees, but their systems are so atrocious that they charged me this anyways, which I disputed, but they weren't enthused to make right. So I sought the FTC 's help for this company 's tendency to exploit consumers. 

FTC complaint XXXX. XXXX 's response of XX/XX/XXXX, includes, " ... [ XXXX states that it has ] resolved the issue to your satisfaction. We're sorry this wasn't addressed sooner. If you require any clarification or further information about your complaint, please contact our XXXX Escalations XXXX, XXXX, at XXXX, extension XXXX. '' This XXXX, XXXX, XXXX alerted me to that Waypoint Resources Group ( Waypoint REF/file XXXX ) has repeatedly reported to the credit bureaus that I have an account out for collection which I have defaulted upon. This is fraudulent ; Waypoint 's only efforts to contact me have been robo-calls ; and Waypoint has never mailed me the letter which the FDCPA requires. Since XX/XX/XXXX ( when I provided the attached document from XXXX ), Waypoint has refused to deal fairly with me : Waypoint claims they can not unwind the violations of FDCPA that Waypoint caused because Waypoint has not had confirmation from XXXX that Waypoint has been sold a closed account, a phantom debt. Initially, it required four phone calls to speak with a Waypoint representative that would speak about anything other than how I would pay Waypoint. Waypoint 's business, as I have experienced it, is based upon preying upon consumers that are ignorant of the law or whom can be rough-handled on the phone and bullied into paying a thug to stop being a thug.

Waypoint is exploiting consumers ' ignorance of the Fair Debt Collection Practices Act. Multiple times, their agents have repeatedly told me that Waypoint is allowed to attempt to collect a debt using tactics that are in violation of the Fair Debt Collection Practices Act : that refusal to answer robocalls is understandable by Waypoint as me verifying the alleged debt as justly collectible ( I have always disputed this debt, always ) ; that the failure to provide me their documentation for sending me a letter to inquire and confirm whether they have a justly collectible debt is a violation of the FDCPA ; that refusal to acknowledge they have, of their own volition, caused repeated violations of the FDCPA such that their contract with XXXX does not determine whether Waypoint must unwind their illegal acts. To wit, Waypoint has repeatedly told me they are 100 % allowed to report this alleged debt to the credit bureaus as if Waypoint has a judicially enforceable debt which I have illegally avoided paying, until such time that I meet their blackmail demands.

I have damages : Waypoint refuses to fix the issues they illegally created with my credit report. Waypoint continues to file fraudulent reports on this phantom debt to the credit bureaus. 

Please protect this consumer against financial blackmail.
Product: Debt collection

We ordered XXXX phones with a plan through an XXXX XXXX XXXX agent in a XXXX store in XXXX, Co in XXXX of XXXX. We recieved the phones with the plan details and noticed that the plan was not what was discussed. We never opened the phones, activated or ported the numbers over to the XXXX XXXX XXXX plan. We had service with XXXX and continued our service with them. We returned the phones and followed up with a phone call to ensure they recieved them. We were told by the agent on the phone that they recieved the phones and that there was a XXXX balance. Months later we received a bill and we called right away to dispute. The agent said there was no balanced owed. We received a past due bill from a collection agency on XX/XX/XXXX. We called them and they stated that XXXX XXXX XXXX has placed this account in collections with them. We asked for a detailed statement of charges but none could be provided. We have called XXXX XXXX XXXX 4 times in the past week, speaking with both the billing department and collections. We spoke to an agent again this morning and escalated to a supervisor, XXXX. He stated that he was unable to provide us a detailed statement of the charges and sent us to the collection department. We spoke to XXXX in collections, and after looking at the account she was able to confirm that the phones were never activated and our numbers were never ported over from XXXX XXXX XXXX XXXX XXXX. She said she would notate the account and ask billing to issue a credit. She said that billing would call us within the hour. We waited XXXX hours and had to called back. This time we spoke to XXXX in billing and asked him to look at the notes form XXXX in collections, he said there was nothing he could do that we simply needed to pay the account. When we asked to speak with his supervisor he said that the supervisor would have the same information and would give the same answer. We waited for XXXX minutes to speak with his supervisor XXXX. We asked her to look at the notes from XXXX from collections from our phone call earlier this morning and she stated that there were no notes from XXXX. We asked her to send us a detailed statement of charges and she said that she was unable to do that and that we would need to go to an XXXX XXXX XXXX corporate store to further dispute. We have wasted numerous hours on the phone with numerous XXXX XXXX XXXX  agents and should not have to take time off of work or away from our daily lives for XXXX XXXX XXXX  to provide proof that we owe this debt for a service we never recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage and the loan officer told me that Equifax is not reporting a credit score. They do report credit history but no score. XXXX and XXXX both report credit scores with no issue.
Product: Checking or savings account

Banking service took over my loan account with XXXX XXXX in XX/XX/2023 the same month in conflict. 
The past 2 yrs with XXXX XXXX I have perfect on time every time record of monthly payments to a loan. The due date is XXXX or XXXX of every month. If on weekend it will be taken next business day. The XXXX  is the latest. Its on auto pay. 
XXXX XXXX had emergency took out funds. Assuming the loan payment was already taken out. This newly taken over bank waited until the XXXX to withdrawal loan amount. Early that same day I had insufficient funds but later in that same day Direct deposit of my check was there. Meantime unaware the bank attempted to withdrawal money. I continue as alway and on time make my monthly payments. Not knowing this new bank I thought was fishing for my info. Finally responded who told me I missed XXXX payment. News to me. After digging info and finding out what I just explained to you I emailed them with concerns of why the wait until the XXXX and technically that same day I did have sufficient funds. I cant control the timing of the day when you request payment. Because in the contract they are responsible for error with only exception if insufficient funds it will not go thru. And showed them a copy of my account and the dates with sufficient funds. No reply from them. Instead I get a call, text, email every single day how I missed a payment and to call to speak to represenitive. 
I have not done so
Product: Debt collection

I received a letter from Convergent Outsourcing on or around XX/XX/XXXX that was dated XX/XX/2020 stating that they were representing XXXX in the amount of {$3100.00}. The letter stated that I had 30 days after receiving the letter to notify them that I was disputing the debt. I wrote to them at the P.O. Box that they listed in the letter, disputing the debt and requesting validation of the debt on XX/XX/2020 via certified mail. According the USPS, the letter was available for pickup for them at XXXX XXXX  on XX/XX/2020. To date, I have not received any additional correspondence from Convergent Outsourcing. Today, I was notified that Convergent Outsourcing has reported this debt to all three credit bureaus, but neglected to provide me with validation of the debt. They state on their website that they do not own the debt and are not always provided with itemized statements. They go on to say that they will request the information on your behalf from the original creditor and will mail that information to you when they receive it. I assumed that they were still in the process of requesting the information and was quite surprise to learn that they have reported the debt to the credit bureaus without providing the validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was suspended by Checkr , Inc through XXXX because of my background report. However, what was reported is not accurate and it directly affects my life through work opportunities and economical funding. I am asking that Checkr provide me a dispute reference and also recheck my background for accurate results. They reported that I have charges and citations that are not on my record. I am definitely in need of getting things in order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
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 section 2 : it also states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit cared account under an open end consumer credit plan as late for purpose.
Product: Debt collection

XXXX at Gold Star Finance keeps calling and coming to my home and harrassing my friends and family also. I have repeatedly told her that I had XXXX for XXXX XXXX  XXXX and that as soon as I was back to work I would pay her. It is a small {$200.00} to {$300.00} loan. I have asked them to stop calling and coming to my house and they continue to do so. I cant even go in my front yard for fear of them stopping by.
Product: Payday loan, title loan, or personal loan

In XX/XX/2017 I found a promotion through XXXX, where you could receive points for refinancing your student loans through SoFi. I was interested, and applied through the correct link, which brought me to the SoFi website. I applied, and was approved. I called SoFi to confirm that the promotion was on my account, as there had been some back-and-forth since application for additional documents, etc., and was told that indeed I had the promotion and the points would take several months to show up. 

I waited 6-7 months before calling back and asking about the points, which had not yet shown up. SoFi told me that I had used an incorrect link, and so I did not get the promotion. I asked the representative to check call notes, and he confirmed that I called specifically about the promotion, and was told that I would receive it prior to funding my loan. However, as the promotion has since expired, there is " nothing they can do about it ''. I asked about alternative ways to be made whole, and they are unable and unwilling to do anything. I asked for confirmation of this in writing ( including the notes where I was specifically told I had the promotion, the day before funding my account ) and they are refusing. I would move my loans to another company if it wouldn't adversely affect my credit score/report, but I'm not willing to tarnish my creditworthiness over SoFi 's misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMAX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX bank of America charge me XXXX for interest and late fees i try to contact them for almost a month but the customer service is always busy i need to wait more than one hour still nobody answer on XX/XX/XXXX i got the another statement they charge me another XXXX dollars for interest and unknown fees even i pay it in full still charge make me frustration how they count the fees
Product: Debt collection

XXXX XXXX, XXXX. and its debt collector, Gurstel Law Firm, P.C., are attempting to collect and report a debt without proper validation, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I requested full validation of the alleged debt, including a signed contract, proof of assignment, and a complete, itemized accounting of all transactions on both sides of the ledger ( charges and payments ). They failed to provide these documents and instead sent only credit card statements and a generic, unsigned agreement, which do not establish liability or show how the alleged balance was calculated.

Despite failing to validate the debt, they have continued collection efforts and reported the debt to credit bureaus, violating my rights under : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate, unverified information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) Failing to conduct a reasonable investigation after a dispute.

15 U.S.C. 1681g Failing to provide a full and accurate disclosure of account information, including a complete ledger of all charges and payments.

15 U.S.C. 1692g ( b ) Continuing collection without verifying the debt.

15 U.S.C. 1692e ( 10 ) Using deceptive means to collect a debt.

Additionally, they have filed a lawsuit against me claiming breach of contract but have not provided any signed contract to support their claim, further proving their lack of standing.
Product: Checking or savings account

I applied for a SBA loan 7a and gave a good faith estimate of {$5000.00} which I authorized to be withdrawn from my account with T.D. Bank. The loan officers XXXX XXXX and XXXX XXXX, VP of Franchise Development, decided not to approve the loan and the T.D. Bank has failed to refund my entire good faith estimate of {$5000.00}. I have emailed and called about this matter several times - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and called on XX/XX/XXXX. After these attempts, I am making a formal complaint against the lending institutions discriminatory actions and unfair actions toward me as an XXXX XXXX female small business owner attempting to open a franchise and live the American Dream.
Product: Checking or savings account

Sent a {$28000.00} to XXXX XXXX from my Bank of America account last XXXX  XX/XX/year> and it was sent back to Bank of America XXXX BANK OF AMERICA ( THE WORST BANK IN THE WORLD!!! ) CAN NOT FIND MY MONEY!!! 

THIS IS REALLY REALLY BAD!!! 

WHERE IS MY MONEY!!!!!!!!!!!!!!!!!!!
Product: Debt collection

Dear Associated Credit Services I am writing to formally request validation of the debt associated with my account, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g. I have recently been informed of this debt through credit reporting, and I would like to clarify that I do not owe this debt.

Under 15 USC 1692g, I am entitled to request detailed information to verify the legitimacy of this debt. Therefore, I request the following : 1. The amount of the debt.

2. The name of the original creditor.

3. A statement indicating my right to dispute the debt within 30 days of receiving this notice.

4. A detailed account of the charges that make up the total amount claimed.

5. A copy of the original contract or agreement that created this debt, if applicable.

Furthermore, I would like to bring to your attention that the continued reporting of this alleged debt to the credit bureaus, despite my previous requests for deletion, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). As a result, I am seeking {$1000.00} in damages for the violation of my rights due to improper reporting after the deletion request.

Until I receive satisfactory validation of this debt, I request that all collection activities cease, and that you refrain from any further reporting of this debt to the credit bureaus.

Please send the requested validation to my address listed above within 30 days. Failure to provide this information or continued improper reporting will lead me to consider further legal action to protect my rights.

Thank you for your prompt attention to this matter.