23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who CONVERGENT OUTSOURCING INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CONVERGENT OUTSOURCING INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CONVERGENT OUTSOURCING, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CONVERGENT OUTSOURCING, INC } was authorized as a  mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CONVERGENT  OUTSOURCING, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion, XXXX, and XXXX  for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with Transunion, XXXX, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told Transunion to enter a charge off on your credit report, in fact they  never say charge off only paid in full. Transunion, XXXX, and XXXX  how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for Transunion, XXXX, and XXXX  to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal  action against Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, Transunion, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX or XXXX  XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.
Product: Credit reporting

Consumer Financial Protection Bureau To whom it may concern, I started this dispute with all XXXX credit bureaus TransUnion, XXXX, and XXXX on XXXX XXXX t 2016. I done so via : calling, faxing, and mailing in my original disputes. I received a responses from all XXXX credit bureaus, stating that my disputes were resolved. However, something has went terribly wrong, in a matter of days I have had to open all disputes and they have dropped my credit score over XXXX of points. Due to the inaccurate reporting I have lost the ability to obtain my business loan and my down payment for my business. Every time I have contacted them they open another dispute for another 30 days. I do not have another 30 days from never. I have also contacted the companies that they claim have these things and other inaccurate reports on my credit and the companies do n't even have the paperwork to substantiate their claim this is further cause me to stress and I would like for them to cease and desist any further derogatory activity on my credit I am including all the documentation that I can find VA email and any other little disputes also a copy of my credit scores last week my current score is now a copy of my student loans and their current and when they 're due and anything else that I could find that could include of a along with the original documentation this process has been most stressful
Product: Credit reporting, credit repair services, or other personal consumer reports

There 4 hard inquiries on my report thats not mines XXXX ( Bank ) XX/XX/2021 XXXX ( Home Shopping ) XX/XX/2021 XXXX  ( Bank ) XX/XX/2021 XXXX ( Home shopping ) XXXX XXXX
Product: Debt collection

Regular calls on my cell phone from XXXX.. 
Net search indicates number is PBCM a full-service national receivable management ( ARM ) company that focuses in 1st party collections ( pre-charge off ), 3rd party collections, and servicing of performing portfolios. 

I do not owe anyone anything. I have filed complaint on do not call list many times. Calls continue ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was denied credit with XXXX XXXX. Experian was the reporting credit agency which they have my credit score listed at XXXX which is incorrect as of today Experian has may score listed as XXXX. Experian reports that I have seriously delinquency and public records. Experian reports that I have account that are delinquent. I would like for Experian to stop reporting that I'm delinquent in paying my bills. I pay 100 % on time.
Product: Checking or savings account

I am writing to file a complaint Against Navy Federal credit Union Regarding multiple Overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . Several of these account were deleted and fraudulently added back to back account after being deleted.

15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX XXXX XXXX XXXX XXXX   department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please  update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce
Product: Debt collection

I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXXXXXX Balance XXXX {$2100.00}
Product: Debt collection

Complaint Details : Debt Collector Name : AARS Original Creditor : XXXX XXXX  Current Owner of the Debt : XXXX XXXX XXXX Issue Summary : I am filing this complaint because AARS has engaged in repeated and harassing behavior in their attempts to collect a debt. They have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. Harassing Communications : AARS has been contacting me from multiple different phone numbers at all hours of the day, including via text messages. 
They have left voicemails with threatening language, such as moving the case and verifying employment information. 
XXXX. Unlawful Third-Party Contact : AARS has contacted my partner ( we are not married ), his family, my family, and my workplace without my consent. 
I never provided permission for them to contact third parties regarding this debt. 
XXXX. Failure to Provide Debt Verification : The debt was originally with XXXX XXXX, sold to XXXX XXXX XXXX, and is now being pursued by AARS. Despite these changes, I have not received proper documentation or verification of the debt. 

Impact on Me : The harassment and third-party contact have caused significant stress and embarrassment.

The voicemail threats have made me fear for my personal and professional reputation.

Supporting Evidence : Call logs showing the frequency and times of their calls.

Voicemails or text messages left by AARS. 
Statements from my partner, family, or workplace regarding their contact.
Product: Credit card or prepaid card

XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a XXXX whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.
Product: Checking or savings account

Complainant, XXXX XXXX, hereinafter referred to as " Complainant, '' alleges as follows : XXXX. On XX/XX/XXXX, while visiting the CITI.com website for the purpose of paying the balance on my existing Costco Citi Visa card, I was presented with an offer of {$500.00} for opening a new checking account. 

2. The terms of the aforementioned offer and the actions of Complainant are as follows : a. Open a checking account between XX/XX/XXXX, and XX/XX/XXXX ( see Exhibit 1 ). 
b. The checking account was opened on XX/XX/XXXX ( see Exhibit XXXX ). 
c. Deposit {$30000.00} into the new account within 21 days, completed on XX/XX/XXXX ( see Exhibit XXXX ). 
d. Maintain this balance for an additional 60 days, completed ( see Exhibits 3, 4, and 5 ). 

XXXX. Upon fulfillment of the aforementioned requirements, CITI was to deposit the {$500.00} bonus within 30 days after the termination of the 60-day period. This was to occur on XX/XX/XXXX. 

4. Complainant has not received the {$500.00} bonus as of today. 

5. Complainant contacted CITI, and CITI replied that the account does not qualify due to timing issues. 

6. Complainant hereby requests the Consumer Financial Protection Commission ( " CFPC '' ) to review this matter and investigate CITI Financial Services , Inc. for potential violations.
Product: Bank account or service

I opened a CitiGold checking account on XXXX XXXX, 2016 after receiving an offer awarding XXXX XXXX XXXX miles upon the opening of the account, and completing several activites ( debit card purchases of {$1000.00} and 1 or more bill payments for two consecutive months, all within the first 60 days of opening the account ), with promotion code XXXX. I successfully opening the account, completing both activities on XXXX XXXX. I verified the terms of the promotion code with an online representative, and said that the miles would be awarded 90 days following completion of the requirements, or XXXX XXXX. I waited the stated time, and when they did n't post to my XXXX XXXX account I contacted CitiBank. They stated that since I was not 'targeted ' that I would not be eligible for the promotion. Nowhere on the terms and conditions of the promotion does it mention needing to be targeted, only that I needed to receive the promotion, which I obviously did since I used that promotion code. I submitted another request for them to reevaluate their decision about 1 month ago, however have not heard anything since. Therefore, I believe that I am due the XXXX award miles promised with the terms of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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
Product: Mortgage

Read the testimonies I uploaded SLS business is to lai that all home owners are late Lady due Then they turn the past due to delinquent so they have excuse to immediately foreclose This is how they do it Please read what I sent and put this Crocks our I am in a same basket of all those home owners With the government ban eviction and foreclosure specially fraud foreclose I and sending my situation and what SLS does to my governor Congress SLS should be pay and wipe off for what they are doing Its pure fraud cheat and stilling They are in business based on fraud cheating and get rich by fraud SLS is owned by XXXX Put them out Please take action
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Block of information due to identity theft Dear XXXX XXXX XXXX XXXX Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an XXXX response. The following accounts are listed below Account Name : XXXX XXXX XXXX  XXXX Account Balance : {$8400.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 card or prepaid card

I paid off my credit card statement last month in full. 

Based on my prior experience paying off other cards, I was aware of the concept of trailing interest and aware that this charge would likely show on my ccard statement the following month. 

It did show. 

I requested they remove this charge since it was not reflected in the balance due from the prior month 's bill. They refused. 

I requested an itemized breakdown of the charge they were attempting to charge me. 
They provided me with an explanation of the charge but no itemized breakdown. 

Instead, I got notification that.. they increased my credit limit. Which is not what I wanted or even requested. 

I refuse to pay this amount without 1. An itemized breakdown reflecting the daily interest accrued amount based on my specific account details.

2. a reminder of the language within the ccard contract that reflects that this amount is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a court decision document that released me of any debt to a creditor that I closed a account on due to fraudulent activity, and charges ... XXXX, XXXX XXXX XXXX ... they closed it in XXXX, then reported it as a charge off in XXXX, I had it removed off credit bureaus only to see a new amount listed again in XXXX XXXX ... they are engaging in erroneous info and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 5 to 6 month ago my credit score dropped over 20 points. called Experian a week or so later my 20 points back. 
2. yesterday I receive an email that my score has changed. and again dropped 23 points for no reason. 
3. have not done anything I owe about {$300.00} to {$400.00} dollars with limits up to {$40000.00} 4. tired to keep calling, experian was tolled to file a complaint with you hope you can help thanks.
Product: Debt collection

Wells Fargo NA as a trustee with XXXX XXXX XXXX XXXX foreclosed and won a final judgment on our home when 1 ) there was NO LIEN on our property description and 2 ) under a false fabricated trust which the Securities and Exchange Commission confirmed does not exist which is Certificateholders of Master Asset Backed Securities Trust XXXX, Mortgage Pass Through Certificates, Series XXXX. The case was initiated by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX County Florida case # XXXX against XXXX and XXXX XXXX. XXXX XXXX XXXX Firm abandoned the case and XXXX XXXX XXXX firm took it upon themselves to continue the lawsuit in XXXX. They are a very aggressive, unscrupulous law firm that submitted fabricated fraudulent evidence and a robowitness that testified he was there for XXXX until their lawyer XXXX XXXX showed him the final Judgment paperwork to recite. This was at the very beginning of the trial! XXXX XXXX XXXX provided the witness for trial. They sent us a XXXX IRS form, XXXX XXXX, stating that THEY were the lender with false figures and a fabricated loan number. XXXX XXXX they sent a real estate representative to strong arm us with paperwork and threats that we need to have a backup plan and we need to get out now! We believe they also hired attorneys from XXXX XXXX XXXX located in XXXX XXXX Florida to also threaten us to leave. We reopened the case when we finally figured out there was no Lien and confirmed with the Securities and Exchange Commission that the trust did not exist. We have put in an Emergency Motion to Vacate and are anticipating a Writ of Possession from unauthorized companies and people. Now we even have doubts that XXXX XXXX were authorized to pursue the wrongful foreclosure. My husband has been XXXX 5 times since XXXX in which he almost XXXX. We are constantly on watch because of the aggressive picture takers ( inspectors ) that would show up in front of our property violating our First Amendement privacy as well as USC 15 Section 1692 ( d ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have been advertising our home for foreclosure sale on XXXX and XXXX Today since the case started. I kept records of the phone calls from XXXX XXXX XXXX ( pretending to be a servicer ) where they would call up to six times a day. We are on alert and check the case status register several times a day awaiting the Writ of Possession which we will also ask the court for a stay so we may explain our motion to vacate the final Judgment. We spent {$20000.00} on attorneys that basically did as little as possible to continue getting paid. The attorney we had for the NonJury Trial told us not to show up at court and never defended us. He let XXXX XXXX submit fraudulent manufactured evidence as well as fake witnesses. We are still occupying our home but we are prepared to leave at any time if they put in a Writ of Possession but even if we leave we will continue to pursue Justice to have our home put back in our name and ownership. Thank you for your time and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute two items with XXXX, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX  back in 2012 which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were.